Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
What happened : I am submitting this comment regarding an escrow shortage and loan servicing issue with United Wholesale Mortgage ( UWM ) related to my mortgage on my home purchased on XX/XX/XXXX. 

When I purchased the home, all XXXX property taxesincluding school taxes of $ XXXX already been paid by the sellers and were fully documented in the closing disclosures. The tax assessors office had finalized and published the full assessed value prior to closing. Despite this, UWMs escrow calculation omitted the school tax amount, which caused my monthly payment and total loan obligations to be materially understated. 

On XX/XX/XXXX, I received an escrow shortage notice stating that I must either ( a ) pay {$18000.00} immediately, or ( b ) accept a monthly increase from about {$5000.00} to {$6200.00}, or {$7700.00} effective XX/XX/XXXX. This represents a 55 % increase in my monthly payment. 

I immediately contacted UWM on XX/XX/XXXX, and spoke with XXXX XXXX, who acknowledged that UWM had failed to include school taxes when the loan was originated. She confirmed this was UWMs error, not mine. On XX/XX/XXXX, I spoke with XXXX XXXX from the Executive Resolution Team, who did not dispute the error and directed me to contact the Office of the President. 

Despite these acknowledgments, UWM later sent a written response incorrectly claiming that the final tax information was not available at closing. That statement is demonstrably false. I have documentation and receipts from the tax assessor confirming that the data was finalized and publicly accessible at the time of closing. 

Because UWMs escrow disclosure failed to include known tax obligations, the loans affordability was misrepresented. At closing, my debt-to-income ( DTI ) ratio was roughly 3839 %, but had the correct tax amount been included, it would have been near or above 50 % which likely would have rendered the loan ineligible under standard Ability-to-Repay ( ATR ) underwriting criteria. 

This situation has caused significant financial hardship and distress. UWMs delay in addressing italong with repeated, generic responseshas prevented any timely resolution. I have repeatedly requested preservation of all call recordings ( especially my XX/XX/XXXX call with XXXX XXXX XXXX and asked that my credit report not be negatively affected while this dispute is ongoing. 

In summary : UWM had access to complete and accurate tax data at closing but failed to include it in the escrow calculation. 

This omission misrepresented my true loan obligations and may have led to an improper underwriting decision. 

UWMs subsequent actions have shifted the financial burden of its mistake onto me, with an unaffordable payment increase and no timely corrective action. 

I am requesting that UWM : 1. Correct the escrow account to reflect the accurate, originally disclosed figures.

2. Absorb the cost of its miscalculation rather than passing it to the borrower.

3. Confirm in writing that no adverse credit reporting or penalties will occur during resolution.

4. Provide a substantive written explanation addressing the legal and factual issues raised in my prior correspondence.

5. Potentially recast the interest of the loan to keep my payments reasonably the same.

Company response to consumer: Closed with explanation