Consumer complaint received 2022-05-16
Company: Supreme Lending
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Dear Sir/ Madam, Would greatly appreciate a review of the previous communications below, originally with the Loan Officer and subsequently directly with Supreme Lending in an effort to secure information relativee to my efforts to have the name of XXXX XXXX XXXX a deceased individual ) removed from the mortgage note on my mortgage. Supreme Lending has really not been responsive and provided any pertinent information relative to my current circumstances. 
XXXX ) Insofar as XXXX XXXX is now deceased I'm assuming she no longer can have any liability. Is this in any way incorrect? 

XXXX ) After the probate is resolved, the XXXX XXXX children will be the heirs to the 50 % ownership of my XXXX XXXX XXXX XXXX property in XXXX XXXX XXXX, FL XXXX. Insofar as they did not have any knowled of the decision of their Mother to purchase this property jointly with me, It's hard to me to see how they can have any liability for this mortgage. Am I missing something? 

XXXX ) My attorney has advise me that althought I'm not named on the mortgage note that I'm still responsible for the mortgage. If this is correct and I'm hoping that is the case, can Supremen Lending arbitrarily in some way remove me or terminate me from ( in effect, call ) the mortgage? Do they not have any responsiility for the misinformation provided me during the mortgage application process? 

Any information you can proivde in response to my questions will be greatly appreciated. Thank you for listening. 

Sincerely, XXXX XXXX XX/XX/XXXX Supreme Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Free XXXX ( XXXX ) XXXX Dear Sir/Madam, Around XX/XX/XXXX mortgage loan documents were submitted to XXXX XXXX, the loan XXXX for Supreme Lending XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX 
During the processing process period XXXX XXXX was advised that XXXX XXXX, my significant other, had a credit score higher than mine. XXXX XXXX suggested that although both XXXX and I would be on the deed and responsible for the mortgage that it would be beneficial ( lower interest rate ) if only XXXX 's name was included on the mortgage note. I asked if XXXX pre-deceased me would it be possible to refinance the mortgage through Supreme Lending. XXXX XXXX advised that it could be possible in such an event through Supreme Lending. In retrospect, although XXXX XXXX didn't say it was guaranteed that Supreme Lending would approve of a refinancing he certainly indicated that it was possible for it to happen. Surely, XXXX XXXX had to be aware that it was Supreme Lending policy to never offer such an accomodation. 
I don't think XXXX XXXX ever wished me any harm but do believe that his passion to close the loan as expeditiously as possible blinded him from his obligation to tell me a refinancing would not be available to me should XXXX pre-decease me. Had such advice been provided there is no way such a risk would have been assumed. 
Some time around XXXX or XXXX of XXXX I called XXXX XXXX and left a XXXX indicating that XXXX had passed away on XX/XX/XXXX and that it was necessary to have her name removed from the mortgage note. A couple of days later XXXX XXXX called me back and it was again said he thought that our loan could be refinanced through Supreme Lending. 
On XX/XX/XXXX a follow up e-mail was sent to XXXX XXXX ( Exhibit A ). Please see it attached. After about XXXX weeks no response or acknowledgement to my e-mail had been received so I called XXXX XXXX and left a voice mail stating I was calling merely to confirm he had received my earlier e-mail and asked him to please respond. Still I didnt receive any response so I contacted loan servicing of Supreme Lening in XXXX and was was that an e-mail had to be sent to XXXX regarding my issue. 
On XX/XX/XXXX an e-mai was sent to loan servicing ( Exhibit B ). 
This e-mail included a copy of the previous e-mail of XX/XX/XXXX to XXXX XXXX. 
On XX/XX/XXXX I again contacted loan servicing and spoke to XXXX who advise me that Supreme Lening does not offer an assumption option. That was the only information provided. Supreme lending is neither being transparent nor responding to my questions or concerns. 
Will Supreme Lending remove the name of XXXX XXXX from the mortgage note? After the probate is resolved and Joans XXXX children becomes the 50 % owners of my XXXX XXXX XXXX XXXX property what responsibility, if any, would they have regarding my mortgage? 
XXXX XXXX daughters werent happy that their Mom did not tell them about our transaction and they werent happy with me either. Insofar as they didnt even know about our arrangement XXXX cant see how they would have any responsibility for the mortgage but understand that not in every case do laws make sense. What does the law say on this issue? 
Really would appreciate some assistance to educate me about this process. 
Thank you for your assistance. 

Sincerely, XXXX XXXX Exhibit B from : XXXX a XXXX to : XXXX date : XXXX XXXX, XXXX, XXXX PM subject : XXXX : Happy Birthday! 

XXXX a XXXX Attachments Tue, XX/XX/XXXX XXXX AM to XXXX, XXXX XXXX, Thank you and hope everything is well with you and your family. 
Wouldn't expect you to recall but mentioned a few months back that my significant other, XXXX XXXX passed away on XX/XX/XXXX due to XXXX  XXXX. I need to have her removed from the note and have a copy of her death certificate. I'm not on the note and still have a low credit score. You had mentioned that it might be possible that I wouldn't have to refinance my house. Naturally that's the outcome I'm hoping for but realize there will be some significant costs involved in resolving this problem. I currently own XXXX properties, the one I live in along with XXXX rental properties. I'm in the process of selling both of the rentals which obviously would substantially increase my credit score. Was hoping to have at least one of these sales finalized before trying to resolve my problem but that hasn't happened yet. 
Any help or direction as to who I should contact at Supreme Lending would be greatly appreciated. 
Thank you, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX death certificate attached to e-mail Exhibit A XXXX a XXXX Attachments Tue, XX/XX/XXXX XXXX AM to XXXX, Hi XXXX XXXX Thank XXXX and hope everything is well with you and your family. 
Wouldn't expect you to recall but mentioned a few months back that my significant other, XXXX XXXX passed away on XX/XX/XXXX due to pancreatic XXXX. I need to have her removed from the note and have a copy of her death certificate. I'm not on the note and still have a low credit score. You had mentioned that it might be possible that I wouldn't have to refinance my house. Naturally that's the outcome I'm hoping for but realize there will be some significant costs involved in resolving this problem. I currently own XXXX properties, the one I live in along with XXXX rental properties. I'm in the process of selling both of the rentals which obviously would substantially increase my credit score. Was hoping to have at least one of these sales finalized before trying to resolve my problem but that hasn't happened yet. 
Any help or direction as to who I should contact at Supreme Lending would be greatly appreciated. 
Thank you, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX death certificate attached to e-mail On Mon, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Wishing you a happy birthday- hope you are doing great and can take a break to enjoy your day! 
XXXX XXXX XXXX Senior Loan Officer XXXX # XXXX Supreme Lending XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell : XXXX eFax : XXXX XXXX www.supremesouth.com/XXXX

Company response to consumer: Closed with explanation