Everhome Mortgage, EverBank Mortgage Fraud, Deceptive, Liars Ripoff Jacksonville Florida

Where to begin.... I have spent all the time between posting fighting this pmi issue, I have heard the same song and dance from Everhome, they are claiming it is now the investors choice if my pmi is eliminated, and there will be no reduction whatsoever..I suppose that my truth in lending disclosure that shows the reduction does not matter to these theives.
I have found out that my good faith estimate that I originally signed was not the only one, apparently there was a second copy of the same document, that was never shown to me..it would have told me about the true cost of the pmi..and had I seen it, I would have never signed the docs at the closing table.
I have shown proof of this to the state department of banking, and they are investigating this mortgage as fraud, apparently Federal law requires you to be shown any revised good faith estimates. ( I was not.)
I also have copies of emails that the office of thrift supervision sent to Sharon Delora at Everhome, in regards to one of my many complaints, and it is quite obvious that they are covering for each other, and protecting one another.
HMMM..the office of thrift supervision is supposed to be there to protect the consumer, and make sure the banks are following laws, and I can prove that is not the case.
The office of thrift supervision told Everhome that my APR was understated, and that I could rescind my loan...and then when I told the office of thrift supervision I had a copy of this email, they all of a sudden called Everhome, and they in turn called me, FOR once, they have decided they want to help me, and investigate if my APR is right.
In Four years, they have done NOTHING to assist me...but all of a sudden they want too, I am not buying it.
Everhome is claiming they never recieved a copy of the Written Request under the RESPA act, for all documents contained and dealing with my mortgage... But I have those letters, that could have come from noone but them.
To make a much longer story short, I have not managed to refinance, although I have tried many times.
Everhome has managed to raise my escrow account several times, to the point that It has become impossible for me to pay my payments. ( please bear in mind that my taxes have not gone up.) Their excuse is my escrow cushion.
I was in foreclosure once, managed with the help of phfa to get out of foreclosure, but I am expecting another act 91 again anyday.
Once I got all the copies of my mortgage I can show without a doubt that my mortgage is fraud, My first step is the banking department, and my next is a appointment with a attorney on Sept 10th.
I have just over twelve thousand dollars in home equity, but with the housing market being so bad in our area ( and everywhere, and banks cracking down on lending.) refinance is just not possible.
If you will, keep your fingers crossed that I can get my case into court, before I loose my home to foreclosure.
Thanks for your answers, and for taking the time to read this. I am willing to help anyone find the right documents, or fight Everhome tooth and nail..Just let me know how to contact you. I want to include my email address here, but I know this site will delete it.
Paige

Just a thought, have you considered refinancing? If you have been making payments on time and your history reflects that, you should be able to refinance and eliminate/reduce your PMI all together (depending on your loan to value ratio). If there has been any appreciation in your home at all in the last 4 years (hopefully there has been some), you should be real close to the 80/20.

I have never been a fan of PMI, but I do not recall ever seeing that high, you are (were) being ripped off.

Oh yes, the basis of the 80% is not supposed to be on the original loan amount either. You are entitled to get your own appraisal and if the loan to value is below some preset value (I seem to recall 75% is typical), they will drop it (there are laws in some states).

I see it has been some time since you wrote this, hopefully it has been corrected.

the management at EverHome at all levels is extremely unethical. If you do have a moral compass and you point out their behavior they frown on you. All I can say is avoid doing business with EverHome if at all possible.