Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

XXXX XX/XX/XXXX Thanks for your response to the complaint and for the opportunity to appeal Since I was not agreed with the answer regarding the shortage letter and the PMI removal issue, I am making a more sustained complaint appealing to you hoping this time got a fair solution to the problem.

I was collecting information from different sources to better support my complaint.

I requested a Closing Packet to Caliber Home Loans in XXXX XXXX. It took so long and other weird things happen during the delivery but finally I received almost together Two Closing Packets. I was expecting an addendum to the closing like stated in the original mortgage documents but no the HUD-1 Settlement Statement was matching the original mortgaged documents received for me at XX/XX/XXXX without XXXX XXXX  signature. ( No way to see the real and final form, never have been sent to me ). Also, no documents stating that I have XXXX XXXX  Mortgage.

I was told the home was a bank owned house, a Caliber Home Loans/Bank house.

I was told by a Caliber Home Loan customer service representative that my loan never has been sold. No documents, nobody told at any time that I was applying for a XXXX XXXX   Mortgage, no documents stating in the original mortgage documents neither in the Closing Packets sent from Caliber Home loans recently.

I was looking for some advice to understand the escrow account. I contacted XXXX XXXX XXXX,   President/CEO of XXXX Agency. Agency in charge of my escrow account, XXXX XXXX XXXX. He delegates in XXXX XXXX and Finally was XXXX XXXX who had a new Closing Mortgage Packet prepared for me. In front of XXXX I was reviewing the documents and I was one more time surprise how crazy have been the process buying my house. The HUD-1 form printed from the original documents signed and filed one year ago now came from that special printer without signature, it was signed by XXXX that day. I asked why you signed the document? and she said because XXXX XXXX is longer working with us could you believe that? There is not respect you can not trust in anybody eve when they pretend to be nice and professional. In conclusion nobody had the knowledge to explain the escrow and other things to me. I am sending a copy of document signed by XXXX XXXX.

I consulted a Real State Attorney he shows me all the money paid in advance stated at the final HUD-1 Settlement Statement Document and gave some advices followed for me during the appeal process.

Annexed Documents : - Seller Documents - Insurance Documents - Signed Release Documentation Form - All the payments made - Disclosure and activity of the escrow account provided for Caliber.

- Copy of the initial escrow account activity from the Closing.

- Short letter ( escrow activity too ) - Taxes XXXX form ( escrow activity.

- More.

Shortage Letter I paid in advance {$700.00} to Caliber home Loans Inc, XXXX ( The seller ) for 7 months taxes at $ XXXX/month.

I paid in advance {$200.00} Homeowners Insurance to Caliber Home Loans, Inc XXXX ( the seller ) for 3 months at XXXX/month.

I paid in advance {$800.00} to Homeowners Insurance Premium to XXXX XXXX XXXX XXXX per 12 months.

After those payments made in advance I do not have any problems with the Homeowners Insurance payments, 12 months payed in advance {$800.00} ( {$760.00} Total premium, {$39.00} charged also I do not know why? ). I understand I was Short when the taxes payment was made leaving a negative balance in the escrow account but no agree with the sum of {$3300.00}.

I am sending to you a disclosure of the payments sent to me from Caliber Home Loans Office in XXXX XXXX that explain clearly the payments and the negative balance of the escrow account. The same information meaning the numbers are different in each document I am sending 3 of them so you can make the comparison and see that nothing matches. Annexed The explanation of the payments sent for the Caliber home loans Office, The Short Letter explanation and the taxes documents.

Paid in advance {$700.00} and {$200.00} total {$900.00}.

I have a remaining of {$400.00} for the taxes payment.

Escrow account start {$500.00}.

Payment start in XX/XX/XXXX and no in XX/XX/XXXX like stated in the shortage letter.

Total available {$900.00} Escrow start {$500.00} All payments annexed.

INTEREST PRINCIPAL ESCROW PMI ESCROW {$500.00} {$500.00} remaining {$400.00} XX/XX/XXXX {$1300.00} {$750.00} {$230.00} {$330.00} {$160.00} {$660.00} XX/XX/XXXX {$1300.00} {$750.00} {$230.00} {$330.00} {$160.00} {$830.00} XX/XX/XXXX {$1300.00} {$750.00} {$240.00} {$330.00} {$160.00} {$1000.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1100.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1300.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1500.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} {$160.00} {$1600.00} + {$400.00} available {$2000.00} {$3200.00} - XXXX = - {$1200.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$1000.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$880.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$720.00} XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX - {$550.00} - {$550.00} Homeowners Insurance - {$760.00} - {$1300.00} Real negative balance - {$1300.00} Like the escrow at this point is XXXX I am adding {$500.00} to the negative balance - {$1300.00} - {$500.00} = - {$1800.00} They are charging me {$1500.00} more and it is not fair.

Paid in XX/XX/XXXX {$92.00} Paid in XX/XX/XXXX {$92.00} total {$180.00} {$1800.00} - $ XXXX= {$1600.00} is the short now.

ESCROW {$500.00} XX/XX/XXXX {$1300.00} {$740.00} {$240.00} {$330.00} XXXX {$660.00} ( XXXX )? XX/XX/XXXX {$1300.00} {$740.00} {$250.00} {$330.00} XXXX {$830.00} ( XXXX )?

{$500.00} XX/XX/XXXX {$1500.00} {$730.00} {$250.00} {$330.00} XXXX {$1100.00} ( XXXX )? XX/XX/XXXX {$1500.00} {$730.00} {$250.00} {$330.00} XXXX {$1500.00} ( XXXX ) XX/XX/XXXX. Per Caliber Home Customer Service Representative {$92.00} of the monthly payment is going to the payment of the shortage.

Homeowner Insurance Enclosed the home owner police XX/XX/XXXX XX/XX/XXXX with total premium {$710.00} and XX/XX/XXXX-XX/XX/XXXX with total premium {$760.00}.

I do not understand a charge of {$39.00} to the total premium, could you please help me to understand that too. {$39.00} per 30 years make a difference, right? Thanks in advance.

Regarding PMI I do not have a XXXX XXXX  Mortgage.

I am still doing some research about the PMI and I am asking you to help me understand the original documents enclosed in the complaint regarding PRIVATE MORTGAGE INSURANCE NOTICE page 1 and page 2. Thanks in advance.