Surepoint Lending Liars Louisville, Kentucky

I received a mortgage offer from Surepoint thru Lending tree.com
(one of 6 ). My initial contact was with aClint Collier,who assured me there were no up front fees,because they were 'lenders not Brokers" .This he restated over and over again ,being sure to let me know the others were all rip offs. I was up front with them about some credit issues ,but had the documentation and proof items had been satisfied. I produced document after document that "the underwriters" required. Since we were going FHA the "guidelines" were many.I received the first tentative good faith estimate via email.

First the loan amount was 35,000.00 more than I needed. They told me this was a way to cover everything we needed to do and it would be readjusted for closing.My payoff is 194,000.00on my current loan.There was a 2095.00amount in the origination fee area . I questioned it, and Clint responded by saying FHA required that fee because my credit score was below 680.

after working with these guys for 2 more weeks,it seemed we were getting close to closing. "We need to move on this Im trying to close by the end of the month so you can skip 2 payments" was Clints remark on the phone just before he emailed me an updated good faith estimate.I received the email and under the loan discount area was a fee for 2658.00. What a surprise!!! No up front fees.

I got on the phone and challenged it imediately. Clints comments to me were "This is a new thing from FHA ,just in the last few days,even loans that had locked in and were underway,now need to pay this fee. Sorry,There is nothing we can do about it,it's FHA ,it is a federal law."I fortunately have saved and hard copied all of the email that went back and forth between us.

That morning I contacted a good friend who is a HUD FHA employee. He assured me that FHA does not have ANY feesor regulate loan interest. I was told that is stricktley left up to the lender and borrower.I told clint via email, I didnt liked being lied to and to withdraw the loan. His email back stated that he was offended by my comment, that he was a straight shooter and he was following guidelines on the price sheet and was only doing what he was told to do. His comment continued to say I was causing trouble because I was still upset about Benchmark out of Dallas Texas doing the same thing.

These guys will tell you anything. Anyone trying to refinance needs to take the time to read thru everything, even if it takes you 2 days to do it. I am tired of the lies and especially when they tell you its a federal law. I have been in contact with my lawyer and I am also filing complaints in South Carolina and Kentucky ( where they are ) with the state dept. of consumer affairs. Anyone wronged by these people need to do that. The state will respond quickly and swiftly,I have gone this route in the past and it works. Also keep all emails and correspondence , keep a small diary.

Paul
annapolis, Maryland
U.S.A.