Consumer complaint received 2018-01-09
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
BEWARE!!!, Dovenmuehle Mortgage Inc.,  promises lower rates if refinance, my Mortgage increased by XXXX which ALL was added to my loan and value of my home from original mortgage loan of {$260000.00} to {$280000.00}. All were additional fees and points that I discovered after the fact at closing, none of this was released or explained to me. My Mortgage monthly payment went from {$1500.00} to {$1900.00} Mortgage {$1100.00} Required Escrow Payment {$460.00} for future Insurance and Property Tax to be paid next year! 
Shortage/Surplus Spread {$250.00} Recover escrow account after paid Property Tax at Closing twice! 
Total : {$1900.00} this is has caused me extreme XXXX and stress and I am disgusted in believing this person/company was looking out for my best interest but instead only to be taken advantage of for them to make a profit of XXXX at my expense. I am extremely disappointed with my decision to trust and depend on this company to refinance my Mortgage Loan and as promised to reduce my interest rate and payments which were false. I was leading to believe I was lowering my Mortgage and monthly payment as throughout the process of refinancing, I regret my decision and now have a home with a Mortgage debt increased almost 18k and monthly payment increased by approx. {$500.00}, Veterans and to take advantage of and abuse Veteran Benefits. I have contacted the company multiple times to attempt to correct or remove escrow that they are claiming is required, I am a XXXX XXXX XXXX Veteran who does not pay Property tax and have to wait until XX/XX/XXXX until Tax Appraiser for my county sends out Tax Exemptions, until then I have to continue to give my money to Mortgage company, as well they are forcing me to pay monthly escrow for future Insurance policy to be renewed after XX/XX/XXXX when current Policy expires, I paid in full the whole year at closing to prevent making monthly payments for insurance and now this company is forcing me to pay monthly for insurance in escrow, I will not be renewing with this insurance and will have another policy that I will pay monthly premiums myself. Of course, they are billing me for XX/XX/XXXX Insurance and Property tax without having a bill or debt that I owe from Tax office or Insurance company. There customer service is terrible! I spent 2 hours on hold to be told that Dovenmuehle Mortgage Inc. does not all the deletion of escrow or refunds, and they are required to charge me escrow for future estimated debts. I thought me purchasing a home with my VA Benefits would never be so difficult or stressful with Uncertain Monthly mortgage payments and after hurricane problems dealing with such a terrible customer orientated company, I never heard of or knew who was my mortgage company after closing until I received my first bill/statement, I was never welcome or any explanation or copies of closing documents were ever sent to me for review, I am still in the dark receiving bills in the mail that escrow payment has increased and no contact from company as well after 2 months of payments were deferred due to Hurricane Irma, they now have my account in collections for balance that was deferred, this is another issue I have to resolve and settle with no help at all from the company. 
Dovenmuehle Mortgage Inc. 
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX

Company response to consumer: Closed with explanation