Home Point Financial Maverick Funding Cenlar, FSB Violated REPSA/TILA laws and refuse to come clean Parsippany New Jersey

Home Point Financial purchased the original Mortgage Company, Maverick Funding, who initially handled our first time home buyers mortgage. When we tried to refinance, we were made aware of the numerous violations that were committed: switching figures from the GFE to the HUD, over charging on filing fees and keeping the monies(the closing attorney did this), place an insurance policy on the mortgage but told us that we needed to purchase one, which we did, and then wound up making double payment for two policies, multiple innacuracies of figures that translated from all of the documents, TILA,GFE and HUD, blaitant and reckless overcharging and excessive multiples of fees, such as overnight fees, credit report fees, etc, having a clear disregard of the limits of variance in numbers that can change from the GFR to the HUD, those that absolutely cannot change from the GFE to the HUD, and overall just should be held accountable for stealing from us and writing an unlawful loan. They should be held responsible for the legal ramifications that are imposed for each violation.

I filed a multiple complaints with NJDOBI, CFPB, Attorney General, Govenor and Senator and got nothing. No help nothing. They all deferred me back to DOBI and CFPB, which in their own right are just shams of fraudulent so called consumer advocacy groups. The only thing the investigator from NJDOBI did, was to call the closing attorney that clearly did nothing but steal from us also(overcharging on those filing fees and keeping them....) was to call that attorney, advise he was being complained upon and that he should return our monies. Funny how two days later, he called us and then sent back the overage, but was still short on what he owed us!!!  The investigator DID NOT do anything and certainly was not interested in doing and investigation work to help us, the consumer and resident of the state which pays taxes to support his salary for doing nothing.

We filed a QWR, which went completely unanswered.....that in it self is a violation that the mortgage compaly can be help liable for.

Anyone reading this who has information on counsel that can help us, would we be greatly appreciated! (We even had sheister attorneys tell us they would be able to help and then took our money and did nothing.....) such a shame that an average American can get treated this way and how far gone our system is.  It's pathetic. But I know that someone will read this and someone will take a moment to help. And to that person or persons. I say Thank You.