Accredited Home Lenders

by Kristie Donovan From North Grosvenordale, CT on June 26, 2008

I know that they claim they will do what they can to help, but it seems we could have avoided this from the beginning had they accepted 1 payment when we only owed 2 payments. They claimed we needed to make 2 payments immediately. This was difficult considering our other necessary obligations( food, electricity, and fuel to get to work).

by Vick Paul From Ozone Park, NY on June 25, 2008

I just wish if they can work with me

by Lori From Mentor, OH on June 17, 2008

We are currently in pre-foreclosure. When we first did a loan modification, they looked at our gross earnings instead of our net pay so the house payments only went down 100.00. Now i have lost my job and they are refusing to work with us so we are trying to sell he house. not only that, but the foreclosure dept sent a company that they subcontracted to come to the house to see if it was occupied, looking through windows and the like.

by Anonymous From Kettle Falls, WA on June 17, 2008

I had a 2 year prepayment penalty - was not informed that there was a penalty, I was current on payments, was a few weeks to the end of the penalty. I had a buyer for the home (for sale by owner). They refused to waive or even prorate the penalty to assist in the sale of the property even with the inpending medical fianacial difficulty they knew I was facing... Had surgery. Since then, I've been unable to make payments, I've not got another buyer that could quyalify for a loan.

by B.B. From Floresville, TX on June 10, 2008

These people are terrible. We had three of our family members become disabled and asked them to give us a foreberance they wanted 3K up front plus 1 double payment unalbe to do it, now they want 5K and double payment. One of us has MS, the other a terminal illness and cancer with two small children. We are now geting our disability payments and they still want an enormous amount to get our home from being sold at auction. A home we have lived in for over 30 years. It is so depressisng. We became sick and due to this kARM Loan and this horrible company we are going to land under a bridge.....homeless.

by Anonymous From San Antonio, TX on June 10, 2008

We are working with a gentlemen who wants a huge amount of money to stop proceedings he could work with us and give us a figure we can work with. But $5,000 and then one payment with this and then double the payments after this. We had some very back things happen in the family indiv. got sick and couldn't work. We're slowly getting on track but give us a reasonable amount to work with and we will do it. This whole ARM process was a mess and we are so sorry we got into it and now we are paying the price by losing our home that we have had since l970 in the family.

by Anonymous From Dallas, TX on June 05, 2008

I read online that they have closed 5 offices. What will happen to our loan?

by t austin From Atoka, TN on June 04, 2008

I refinanced from an ARM to AHL. I was not told there was a prepayment fee of 10% until the day the final papers were brought to my home. The penalty lasts for 3 years. I am recently diagnosed with malignant breast cancer & have fallen 1 payment behind. AHL rep was no help said I can split the delinquent payment into 2 months. Are you kidding. I'm sick & doing good to make the original payment. I've lived in my home 10 years & am stuck with this company for another 2 years to avoid paying them $17,000.00 if I refinance.

by Anonymous From Deltona, FL on May 27, 2008

by Anonymous From Indian Trail, NC on May 22, 2008

When we first were having trouble with our mortgage payments, they would not work with us or even call us back. When we filed for Chapter 13, they made snide remarks about it to us on the phone.

by Anonymous From Clearwater, FL on May 16, 2008

we ask could they lower or put the amount owed to the back and over fresh they would not help at all

by Nicholas Williams From Ballston Spa, NY on May 14, 2008

by Anonymous From Post Falls, ID on May 13, 2008

by Isaac Rodriguez From Dallas, TX on May 13, 2008

by DELONDA PAYNE From White House, TN on May 13, 2008

by Anonymous From Miami, FL on May 07, 2008

we are having a hard time with this company.they refuse to help us.

by Anonymous From Akeley, MN on April 30, 2008

We have never dealt with a company that is so rude and unprofessional. They are subzero when it comes to customer service. When we refinance it will not be with this company.

by Anonymous From Tallahassee, FL on April 10, 2008

by Anonymous From Laguna Hills, CA on April 07, 2008

by Anonymous From Fairfield, CA on March 31, 2008

We've been paying on time for over two years with Accredited. Last August our rates went from 6.25% up to 9.75%. We've called Accredited month after month asking for help, and each time they have no answers but to keep paying. We are living paycheck to paycheck now trying to make ends meet! Accredited is an awful company and should be ashamed for not trying to provide assistance to their customers instead of continuing to raise rates. I'd discourage anyone from getting a loan through Accredited. One of their employees flat out told us that we were best to "foreclose." Unhappy customer.

by renay From Boca Raton, FL on March 19, 2008

I am paying over $4000 a mont for a mortgage that began at 6.7% and is now over 10%. I have not been employed in over a year and AHL refuses to modify the loan. You would think they would want to reagin some of their investment in my property by modifying my loan rather than forcing a 750 credit score into foreclosure. I receive calls from some where in India before 8am and after 9pm constantly.

by anonymous From Dacula, GA on March 09, 2008

We have had Accredited for the past two years. We have never been late and never missed a payment. We have been attempting to do a loan modification with them, but were declined because they said we made enough money to afford the increase in our payments and a friendly reminder that our payments would increase again in August. We received our bill in January after speaking with someone regarding the modification to find a $90 charge added to our bill because they evaluated our property. I asked for a copy of the evaluation, since I had to pay for it, but she said it was done by an independent contractor and no copy was available. We asked to see a signed statement from us agreeing to pay $90 for modification consideration. She said there wasn't one, and the representative should have informed me about the fee. After several conversations, they finally waived the fee, but we are stuck....We can't refinance and can't modify. We hope it sells before August..

by Mary From Dayton, NV on March 06, 2008

This company is terrible. I tried making my payments on time but one time I made a payment late and it wasn't even my fault and they told me it was going to be taken care of and wasn't so I figured they didn't care about my credit as long as they had their money and another time I asked for help there service manager was rude and told me if I wasn't going to pay to let him know were I would be living my house keys so they could pick them up and screamed at me while doing it and hung up on me rudely. I have never encountered such rude heartless people. Another time I spoke to a rep. she reffered me to welfare and the salvation army like I'm starving and on the streets already. Just Rude .

by christopher shank From Lansing, MI on February 28, 2008

by Anonymous From Orange Park, FL on February 26, 2008

I have been trying to do a loan modification with this company. I went to United Way Consumer Credit Counseling as they are offering services to help people who are being faced with possible foreclosure in the Jacksonville, FL area. I am currently 1 month behind this is the first for me ever being late in the horrible 2 years that I have been with this company. The person at United Way attempted to have a conversation with the collections department, they should be ashamed of themselves. They were unorganized and she was bounced all over the place to attempt to get an answer. She was atounded at their lack of professionalism. I also was called by a lady at 8:45 pm last week from the collections department who stated to me that they would never do a loan mod for me on the money that me and my husband make and we just my as well move. She had no idea of my circumstances surrounding this I was appaled and upset, I am filing a complaint against her for threatening me on which she had no grounds. I want out of this company but the 5% pre-pay is making it impossible and they won't waive any of it. If anyone knows of a way to get answers and who to call please post it for others. It is very close to predatory lending practices in which they should be accountable.

by Anonymous From Columbia, MD on February 23, 2008

acceredited home loan do not care about home owner customer service i spoke with an was very rude and callous.

by Natalie Johnson From Mesa, AZ on February 18, 2008

I contacted Acredited Home Lenders in September to discuss not being able to make October's payment in time and to skip that payment and have it rolled into the principal amount. I got different answers from different people. I finally was allowed to do a repayment plan which entails splitting the one month's mortgage payment up into 6 months. This means that my mortgage payment is higher for the next 6 months until I am caught up. I will not be reported late and will have all late fees waived at the end of the 6 month period if I keep my agreement. While I was waiting to have these arrangements finalized, I was called by their collections department and spoken to very rudely. Also, their prepayment penalty term is very long--5 years to be exact--and I did not know this until the day I was signing my documents. I felt as if they did a bate and switch. It will be difficult to refinance with them at a lower interest rate and a lower monthly payment--even if that happens, I will still get hit with pre-payment penalties.

by Anonymous From Red Oak, TX on February 18, 2008

This company is truly unconcerned about its customers and that may be because they are getting ready to go bankrupt themselves. The right hand does not know what the left hand is doing at all. I can not wait to have my home refinanced because this has been a true nightmare.

by Anonymous From Henderson, NV on February 04, 2008

Accredited is a joke. Rude and harassing. I was one month late and received a snarky, "you should sell your house if you can't make payments" comment. They offer no assistance to anyone falling behind and threaten to foreclose immediately even though a notice they send can say you have until a later date (only two months behind at this point). I understand that they are a business and should be paid as you have agreed to, but why do you want to stay with a company who refuses to help unlike other companies -- subprime or not?

by Anonymous From Dallas, TX on February 02, 2008

I have tried to work with my mortgage company on several occasions in which I have fallen behind on payment and the only offer they had was to pay 1 1/2 months which is even more difficult than paying a normal payment. The only offer in which they had made at one point was to re-finance, which I did and I am still in stress of payment. I have not tried to file forbearance or any other option, but in recent contact they said my only option was to undergo paying on an interest only loan which is the worst thing you can do, which I found, after extensive research.

by Anonymous From Casa Grande, AZ on February 02, 2008

by LAVINA DOS SANTOS From Clearwater, FL on January 23, 2008

by Anonymous From Deltona, FL on December 11, 2007

We are with them now, biggest mistake i ever made.When i can i will refinance and go with someone else...

by Anonymous From Kissimmee, FL on September 10, 2007

Accredited Home Lenders could be more accepting of buyers that have found themselves in financial problems. Not willing to work with the clients