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Report: #1488086

Complaint Review: Melsada Morrison - Bronx New York

  • Submitted:
  • Updated:
  • Reported By: Melsada — Bronx New York United States
  • Melsada Morrison 2349 Ellis Ave Bronx, New York United States

Melsada Morrison I have been paying very high mortgage to at least (3) three different banks over the course of only (20) years, something is up, Bronx New York

*Consumer Comment: Well

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I have lived at 2349 Ellis Ave for (20) twenty years now, throughtout the course of my residency here I have been through (3) three different banks/ mortgage companies that has left to be believe whether or not I am really with a legitimate company.  I was first with IndyMac, then I was told they was sold to NationStar, and now I with another company with a totally different name.  I pay alot in mortgage over the course of my years living here, I am a very hard worker mother of 4 kids and I really cant help to believe that I am in the midst of some sort of scam, it has been widespread on the news for the past couple of years with fraudulent banks ripping off middle class people and I didnt know what route to go about this in order to get some help.  I am asking please, I have been googling options and I came across this website, if there is anyone that can help me out because to go through (3) three different mortgage companies in the course of (20) twenty years, with very high mortgage and interest rates, its almost like these banks are trying to force me to poverty.  Please I need some help, Thank You so much for this platform.

This report was posted on Ripoff Report on 11/21/2019 02:13 AM and is a permanent record located here: https://www.ripoffreport.com/report/melsada-morrison/bronx-new-york-i-paying-high-1488086. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Well

AUTHOR: Jim - (United States)

POSTED: Friday, November 22, 2019

This platform provides you the opportunity to vent, but in no way can it help you with a mortgage.

 

All of the companies you list are companies who either sold themselves to another company, or simply changed names.  NationStar no longer exists under that name, but now is a different one.  So, what you've said you've been through would seem to be fairly common at this point.  In other words, that would not be a scam by itself.

 

Now, you don't indicate what your mortgage rate is, so there's no way to determine if your mortgage is too high.  However, if you have an adjustable rate mortgage, then yes, you probably have a pretty high rate if you've now been there for 20 years.  I would probably think about looking into a refinance of your mortgage into a mortgage with a fixed interest rate that won't change for the term of the mortgage.  I recommend calling and speaking to someone at your mortgage carrier to see if you qualify for a refinance of your mortgage.  If you've been in the home for 20 years, you should have sufficient equity built in, and lower your interest rate to something reasonable.  If they say you don't qualify, then go elsewhere until you find someone who will help you refinance your mortgage.

 

Best of luck to you...

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