Problems With My Loan Broker

[Raybyrnes]

KPP

Why not take the high ground on this and simply c all the broker back. I highly doubt they canceled the loan. Suggest that you are detailed oriented and are having a hard time understanding this process. Ask if it might be in both of your best interests to have another broker in the office handle the loan if she feels there is a conflict of personality.

With respect to her fees you should have been able to get a Good Faith Estimate at this point. Just ask for it.

Asking for the brokers contact is suggestive that you are trying to cut them out of the loop. Whether you are trying to do this or not doesn’t really matter. I am certain taht ther are more than a few unscrupulous Buyer that will try and have the broker do all the leg work and then try an end run to get around the broker fee. Might piss you off too if you thought someone was trying to do this to you.

So the bottom line is e big and mature, and speak to the broker.

[meadandale]

“So…anybody else got advise?”

Yeah, run, don’t walk, away from this broker.

A legit broker should have been able to give you an estimate pretty quickly and should have provided you with a TIL disclosure document.

The fact that this broker is sandbagging you and making you even MORE nervous during a naturally stressful period in your life is certainly indefensible and bordering on criminal if she’s hiding something from you.

And, for her to start yelling at you? I’d have told her to eff off right then and there. There’s not reason to put up with that kind of bullcrap considering how much you are paying her to be treated like that.

[meadandale]

“So…anybody else got advise?”

Yeah, run, don’t walk, away from this broker.

A legit broker should have been able to give you an estimate pretty quickly and should have provided you with a TIL disclosure document.

The fact that this broker is sandbagging you and making you even MORE nervous during a naturally stressful period in your life is certainly indefensible and bordering on criminal if she’s hiding something from you.

And, for her to start yelling at you? I’d have told her to eff off right then and there. There’s not reason to put up with that kind of bullcrap considering how much you are paying her to be treated like that.

[meadandale]

“So…anybody else got advise?”

Yeah, run, don’t walk, away from this broker.

A legit broker should have been able to give you an estimate pretty quickly and should have provided you with a TIL disclosure document.

The fact that this broker is sandbagging you and making you even MORE nervous during a naturally stressful period in your life is certainly indefensible and bordering on criminal if she’s hiding something from you.

And, for her to start yelling at you? I’d have told her to eff off right then and there. There’s not reason to put up with that kind of bullcrap considering how much you are paying her to be treated like that.

[meadandale]

“So…anybody else got advise?”

Yeah, run, don’t walk, away from this broker.

A legit broker should have been able to give you an estimate pretty quickly and should have provided you with a TIL disclosure document.

The fact that this broker is sandbagging you and making you even MORE nervous during a naturally stressful period in your life is certainly indefensible and bordering on criminal if she’s hiding something from you.

And, for her to start yelling at you? I’d have told her to eff off right then and there. There’s not reason to put up with that kind of bullcrap considering how much you are paying her to be treated like that.

[meadandale]

“So…anybody else got advise?”

Yeah, run, don’t walk, away from this broker.

A legit broker should have been able to give you an estimate pretty quickly and should have provided you with a TIL disclosure document.

The fact that this broker is sandbagging you and making you even MORE nervous during a naturally stressful period in your life is certainly indefensible and bordering on criminal if she’s hiding something from you.

And, for her to start yelling at you? I’d have told her to eff off right then and there. There’s not reason to put up with that kind of bullcrap considering how much you are paying her to be treated like that.

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[meadandale]

http://en.wikipedia.org/wiki/Truth_in_Lending_Act

The Truth in Lending disclosure document (i.e. good faith estimate) is one of the first things you should have gotten from your broker, especially if they’ve already ‘found’ you a loan product.

You are 3 weeks into the lending process and a week from closing escrow and your broker hasn’t even disclosed the terms of the loan? Has she even locked your rate?

I’d fire her immediately and consider contacting the attorney general..but that’s just me. No house is worth getting screwed over for. It could end up costing you alot of money beyond the broker fees.

[meadandale]

http://en.wikipedia.org/wiki/Truth_in_Lending_Act

The Truth in Lending disclosure document (i.e. good faith estimate) is one of the first things you should have gotten from your broker, especially if they’ve already ‘found’ you a loan product.

You are 3 weeks into the lending process and a week from closing escrow and your broker hasn’t even disclosed the terms of the loan? Has she even locked your rate?

I’d fire her immediately and consider contacting the attorney general..but that’s just me. No house is worth getting screwed over for. It could end up costing you alot of money beyond the broker fees.

[meadandale]

http://en.wikipedia.org/wiki/Truth_in_Lending_Act

The Truth in Lending disclosure document (i.e. good faith estimate) is one of the first things you should have gotten from your broker, especially if they’ve already ‘found’ you a loan product.

You are 3 weeks into the lending process and a week from closing escrow and your broker hasn’t even disclosed the terms of the loan? Has she even locked your rate?

I’d fire her immediately and consider contacting the attorney general..but that’s just me. No house is worth getting screwed over for. It could end up costing you alot of money beyond the broker fees.

[meadandale]

http://en.wikipedia.org/wiki/Truth_in_Lending_Act

The Truth in Lending disclosure document (i.e. good faith estimate) is one of the first things you should have gotten from your broker, especially if they’ve already ‘found’ you a loan product.

You are 3 weeks into the lending process and a week from closing escrow and your broker hasn’t even disclosed the terms of the loan? Has she even locked your rate?

I’d fire her immediately and consider contacting the attorney general..but that’s just me. No house is worth getting screwed over for. It could end up costing you alot of money beyond the broker fees.

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