Everhome

by Asenith Dixon From Athens, GA on July 03, 2008

They have not worked with me since they bought my loan from the previous company. I was late in my payment the first month b/c I did not know (or at least had forgotten) that my loan had been amortized and increased in value. So they sent back my initial payment, unbeknowdst to me, which made my payment late and then I needed to add on more money. It was ridiculous but that is how the company has been. They will not work with you. It is either all or nothing which makes no sense and will drag them down in the end. How do they survive on this bullying technique.

by Anonymous From Cullman, AL on June 27, 2008

not a good company to deal with said our escrow was behind how when its include with house payment

by Amy From Winchester, KY on June 23, 2008

Everhome is absolutely the worst company i have ever dealt with. I was pretty much kicked out of my home and in our divorce my ex was to pay all of the mortgage payments. long story short he got fired and filed bankruptcy on me. no im stuck with it. im trying to do a short sale have been trying to do "an alternative" to foreclosure for a year now and have not been able to get anyone at the mortgage company to help me. everyone tells me different things. i have finally found someone to correspond with but she has to get info from someone else too. i have even been corresponding with their lawyers. i am still waiting to see if they are going to except my short sale offer. they have postponed the sheriff auction but only after all of this time. do they really want it to go to foreclosure or bankruptcy? whats the deal!!

by Kathryn Faries From Pacific, MO on June 18, 2008

Here is information from one letter that was sent to Everhome- Matter is still not cleared up= Company has sent replies, but with no answers- They state that I am a month behind and still owe them all these past due fees- A couple of the fees they state that I owe are from 2004? Never was I informed until year 2008? This company is completely worthless- There is absolutely no communication going on inside this company- Very poor customer service- I have been yelled at for Everhome loosing my payment - now how is that right- Would like to refinance, but they have screwed my credit so badly I am unable to. For September 2007 your records state payment was applied on a late fee was assessed on 99/17/2007 but no payment was ever applied. Payment was sent from my bank account on 08/22/2007 in the amount of $700.00. For October 2007 your records state payment was applied on 11/14/2007 and then a partial payment on 11/16/2007 a partial payment. Payment was sent from my account on 10/01/2007 in the amount of $964.84. For November 2007 your records state payment was applied on 11/14/2007, Partial payment was applied on 11/16/2007, another payment applied on 11/30/2007. Payment was sent from my account on 10/30/2007 in the amount of 946.84. For December 2007 your records state payment was applied on 12/05/07 and payment applied was applied on 12/31/2007. Payment was sent from my account on 11/27/2008 in the amount of 964.84. For January 2008 your records state payment was applied on 1/2/2008 and on 1/18/2008 payment was sent from my account on 12/27/2008 in the amount of 12/27/2008. For February 2008 your records state payment was applied on 2/08/2008 and 2/11/2008 payment was sent from my account on 1/31/2008 in the amount of 600.00. For March 2008 your records there are no payments applied, payment was sent from my account on 03/06/2008 in the amount of 695.00. In February 2008 my payment should have be for 964.84, but I sent it for 600.00 owing Everhome 364.84. In March my payment should have been for 690.53 leaving a balance of 360.37. I will be forwarding all the following documentation: • My bank statements showing the payments from my account. • Letters from Everhome Mortgage stating my payment plan. • Letters from Everhome Mortgage stating the loss of payments and misplacing of money. Due to this unfortunate mishap, my credit reports, from the 3 major credit bureaus, Trans union, Equifax and Experian report numerous 30 day 60 day late payments, which were indeed agreed upon as stated in Everhome Mortgages documentation. All payments were made upon agreement and should be reported in such a way. I expect for this to be handle immediately and in writing. I don’t want no more phone calls from some idiot in your office that doesn’t understand or have enough knowledge of this situation. Kathryn pacific, Missouri

by Rickashay From Fairview Heights, IL on June 17, 2008

Got conned into an attempted refinance, $3.50 aplication fee. They guarnteed me if they could not make the loan happen, they would refund me $300.00. Did not happen. Took 2 weeks to get the agent by phone to find out my apraisal came up short. Well, they offered free appraisal before June 6th, 08. Filed, paid the $350 and now I am told the 350 went to pay for the appraisal, which I have in writing as Free. Stay away fro Cristopher/ everhome bank. They are shysters taking advantage of low income people.

by Anonymous From Fort Worth, TX on June 13, 2008

seeing a financial hardship on the horizon, i called everhome mortgage to see if they would work with me for two months to see if i could get my payments for those two months pushed back to the end of my loan as my payments were being deducted biweekly from my checking account and applied to my loan. they weren't willing to accept this and said the loan had to be 30 days in default before they could even assist me and then i would have to apply for loss mitigation. at the end of 2 months, my payments were being deducted again from my account which was okay with me, however, they applied a payment to the default even though i applied for loss mitigation for the two months. I still have not heard back from the loss mitigations dept as to what kind of arrangements could be made to either cure the default or have fha totally pay for it. The main thing that irks me is that i knew a hardship was coming and that it would be short lived, therefore i was trying to communicate this with my mortgage company before the ship sank and they were totally unwilling to work with me

by Tremmelle Forrest From Mobile, AL on June 05, 2008

by Alexis Marrible From Laurel, MD on June 03, 2008

Poor response and very unhelpful with the information that they provide. They are not willing to reasearch accounts prior to them taking it over and have poor reporting to the credit bureau of facts.

by Anonymous From Mcalester, OK on May 21, 2008

by Anonymous From Palmdale, CA on May 10, 2008

constantly told differe4nt info from different people. Rude and unhelpful. Also told if they foreclose I will not be able to buy a new home for 12 years which I take to be a threat as it is completely inaccurate. Will probably get nowhere with them.

by Atkinson From Hyattsville, MD on May 06, 2008

t the end of this email I have placed the emails of some people at EverHome. I sent a lot of emails, which they also ignore, but lawfully they are evidence. I was left a message not to send emails -- to call, but they never get anything right. They got my mortgage two years ago and have not gone u on my mortage by $140.00. I am at 13% and told them I was laid off and was trying to pay less. I only have 3 yrs to pay. They told me my property taxes went up, which doesn't happen until summer. They said they estimated it then doubled the amount. I talked to MD Tax ofc who said it only went up $220. year; not $140. mo. (which has never happened and it is a small house). I filed complaint with FL BBB and they lied and told them they called me and sent me everything I asked for. They did that only once, when I had a lawyer send info. Keep claiming I owe late fees, esessed late fees, and then won't show me documentation or put anything in writing. They told the BBB that my taxes went up by over $700.00 -- never. In addition to the email addresses I sent, you should send your payments via Western Union (12.90) and then they will have them same day. They are very rude. I was hung up on when I asked about this escrow and don't feel ti is legal and don't want to pay it. My loan is fixed rate, insurance $993, taxes 2,200.00 but they want me to pay $368 in escrow! No explanation or amortization or explanation of when I get my money back, interest rate, or anything -- especially documentation from the MD tax office that they base this increase on. It has been a hellish two years and I was not told that they would have my loan. Even if they tell you not to send payments, send them via Western Union to save your home. Send them emails requesting everything you need and asking for it in writing. They ignored me since last fall, and I just got the info when I called BBB. RESPA didn't help either, they ignored that. The only thing I get from them is notice that I owe them late fees, which I usually include. My payment last year was $937.81; this year they stuck me with $1078. -- no explanation. I'm very made. What can I do? I do send them emails though, since they ignore phone messages and letters.

by ERSKINE COCLOUGH From Baltimore, MD on May 05, 2008

i have had several different companys my mortgage went from 464 to 510 i would like my mortgage to go back to 464

by Heather Knight From Houston, TX on May 05, 2008

My mortage has been through three different companies without my knowledge. Ever home raise my mortage from 384.00 to 615.00 I tried to work with them but no response.

by Anonymous From Indianapolis, IN on April 21, 2008

by Anonymous From Crown Point, IN on April 18, 2008

Absolutely worst mortgage company ever..Cannot get the to answer the phones.. Cannot get straight onformationj about my loan or the insurance. My wonderful, friendly mortgage company was bought out by these charlatans.. This company should be shut down!!

by Anonymous From Stone Mountain, GA on April 17, 2008

no notices of deliquency then boom lawyer and default papers. Brought my loan, and no payment books. payments were made have no records.

by Anonymous From Staten Island, NY on April 16, 2008

My mortgage was sold to EverHome. Before them I never had a problem until EverHome took over. They told me my last month payment was late even when it was sent early they went by the date the got in their hands which was two weeks later. Now they said this month payment they haven't received yet but it shows that it was received at their post office but they haven't gotten it yet and the money is still in my account. They sent me a letter stating that I am 30 days in default. I am writing to the Attorney General and any body else I can think of because this is not right. Some thing must be done aout this deliberate sabotaging of hard working descent people credits rating and their reputation. You would think after all these complaint that somebody would be on point with this so call EverHome Mortgage Co.

by Oksana Perepelitsa From Antelope, CA on April 08, 2008

Do not want to work with people.

by Oksana Perepelitsa From Antelope, CA on April 08, 2008

All they have to do is to modify our loan and we will make a payment. They rather forcluse and loose then to lower our payment.

by Anonymous From Birmingham, AL on April 07, 2008

by Ron Castia From Livermore, CA on April 01, 2008

They don't work well with people.

by Michael From Grand Prairie, TX on April 01, 2008

The number on your site has been changed to a fax number...

by Anonymous From Mars, PA on March 31, 2008

I have a home equity line of credit with Everhome and have been fighting with them for five months. I was late paying my taxes and they not only took money from my account to pay for the late taxes, they added moneys for the taxes for the next year, which weren't late. When I payed off the escrow (having to go through everhome's line of credit to do so, of course), they made me jump through hoops to remove the automatic escrow they set up. I was told by someone in customer service NOT to pay the escrow in December and January, that it was being handled. After five months of calls trying to straighten this out, because I was still getting collections calls from another department, I finally received a letter from them saying they were happy to inform me that the whole thing was corrected and that they were sending me a refund check for monies erroneously applied to the current escrow account. The day I got the check, I also received a pink slip saying I was late on a payment, which I HAVE NEVER BEEN. I called, was told to ignore the slip. TWO WEEKS later, I received a letter from them saying that they reviewed my credit report and since there was a change in my credit standing, they were stripping me of my line of credit, RETROACTIVE to two days before I received the letter. I had to get the credit report, found, of course, that the strikes on it were from EVERHOME, during the months of December and January, when I was told NOT to pay the escrow (but I HAD payed the minimum monthly payment on time). Was told to fax the credit report, I called three times in the next two weeks to see if they received the fax. OH NO we don't get that information for 24/48 hours, try later - then they told me it might take 20 days. Then another person told me they likely never received the fax, to resend. Took them ONE WEEK to acknowledge receipt of this last fax of their error. So now I am patiently waiting 20 more days while my credit is trashed thanks to the incredible ineptitude of Everhome. This CAN'T be legal. I have to say that no one has ever been rude to me and one person in particular went out of her way to work on this for me but their system and management is horrendous. Avoid. Avoid. Avoid.

by Anonymous From Kent, WA on March 25, 2008

When my loan was sold to Everhome (didn't get a notice till months later), I didn'thave any new coupon book and was told to use the old ones and they would be forwared to the right address. Well that was a lie. The told me because I sent them to an old address that they are charging me late fees. That's where it all began. There were MANY months where they swore that they didn't receive my payment in time and wouldn't let me do it over the phone. Even though I sent it 2-3 weeks ahead of time. Consequentely,that put me in default and the charges started racking up. It's been a downward spiral ever since. Now my home is in foreclosure. God willing, if I'm able to ever buy a house again, I will be much smarter about the process.

by Walter Dann From Avon, IN on March 25, 2008

THEY ARE AWFUL..and have been since day one

by Anonymous From Avon, IN on March 25, 2008

Have had Everhome since November of 2006 when we were sold in the middle of Chapter 13. They are the worst company to deal with. Until I found this site I thought I was just being mean about them, now I find out there are A LOT of people out there like me who have a hard time dealing with them. They keep trying to take our home because they keep saying we are 8 payments behind but those are the bankruptcy payments and those are seperate from the actual mortgage. According to our bankruptcy lawyer we only owe them $795.00 and then we are out of bankruptcy. But these idiots keep taking our payments (reg monthly ones) and applying them to our bankruptcy payments which would have paid our bankruptcy off in about 6 months not 3 years. When the bankruptcy trustee send them a payment each month they hold on to it because they are waiting until they get enough money to make a full payment which they can not do. I have contacted their lawyer in Indianapolis and he is completely confused at what his clients are doing they won't even cooperate with them. This is the worst company to deal with. They shouldn't be able to practice banking or whatever it is that they do. People are so rude and do not know what the hell they are talking about either. Want to pay off our bankruptcy so that we might be able to refinance and get away from these people but we are afraid to pay it off because then we aren't protected under the bankruptcy till these idiots get our account straightened out. IDIOTS IDIOTS IDIOTS

by James From Muncie, IN on March 22, 2008

Everhome overpaid my house insurance by 10 times the amount, charged it to my escrow, and told me my mortgage payment tripled. Took over two weeks to get it straightened out. Another time my insurance was almost cancelled because they didn't pay it. Do not recommend.

by Shawna D. From Florence, AZ on March 19, 2008

Absolutely the worst company I have ever dealt with. We fell behind on our mortgage and could never get any type of repayment plan, finally my husband was able to get through to a supervisor (miracle) and she was actually very helpful and was able to get us into the loss mitigation department, that was 2 weeks ago, and as you can imagine we are still in the loss mitigation department. I have given our financials at least 4 different times to of course, 4 different people, I finally got a call back from the representative that is working on our loan, I talked with her once and then called her back 2 days later to check the status, she basically told me that if I and other customers would quit calling or as I understood it "bugging" her she would be able to work out the number.....UNBELIEVABLE!

by SpicewoodGuy From Spicewood, TX on March 18, 2008

Apparently, I just had my mortgage sold to these people. My first indication of this was the harassment phone call I received today. Not a pleasant conversation, not a nice person. My mortgage payment has always been auto-withdrawn from my bank (i.e. "on time"), and after this call, I looked, and the payment had been withdrawn by the previous mortgage company, just as always. I would think that they would at least properly notify me (certified letter?) before doing such a thing as harassing me like this so I can straighten it out. Beyond that, maybe coordinate with the previous mortgage company about the funds that they have. The check has been cashed. That "initial" call has led me to the decision to refinance with another company (my bank keeps asking me to because they know I'm a good customer). Isn't that is the key word here? "customer?" Everhomes does not deserve my business. One question: Are there mortgage companies out there who I can REMAIN their customer and not have it sold to these types of unscrupulous entities? My mortgage has been sold 3 or 4 times out of the 7 years I have owned this house. I would like to feel like a "customer" again.

by Anonymous From Fort Worth, TX on March 17, 2008

by Anonymous From Ruston, LA on March 13, 2008

They have messed up our insurance payments. Allstate sent them the notice to pay insurance and they did not. Then they got an affiliated plan of theirs at an additional charge to us of $260.00 per month. This company is very questionable. I am seeking the advice of an attourney for fraud.

by D Gunn From Las Vegas, NV on March 04, 2008

Just got the phone with a represenitive from Everhome, and they are not willing to help me with a loan modification. The investors would rather let my home go into forclouser. I am still working and made my payments on time until the adjustment as of Oct. 2007. Never late, but only wanted my loan modified to make previous payment. They have given my until June 27. They don't want the house back? Yea, right.

by Aaron Crawford From Utica, OH on February 28, 2008

i believe everhome is willing to work with me but they always ask me the same questions about my situation but never any possible solutions and i dont know what to ask them

by Anonymous From Birmingham, AL on February 28, 2008

by gerald pendleton From Riverdale, GA on February 22, 2008

by Anonymous From Saint Paul, MN on February 19, 2008

Never had a problem with them. They have always been helpful, always received correct information. My experiences with them have always been positive.

by jeff brown From Princeton, IN on February 19, 2008

company has been good to us they have tried to help its not their fault in any way .

by Anonymous From Lecompton, KS on February 18, 2008

We have received no letters regarding our delinquency, no communication whatsoever. Then, poof foreclosure papers showed up at the door. No monthly statements are sent, it is terrible.

by james porter From Jefferson City, MO on February 13, 2008

After reading the above I now know that I have a real fight on my hands. Everhome bought my loan from Ohio Savings a year ago. Now I have learned they have paid my taxes late resulting in 170.34 in late charges that they are charging me for; as well as a supposed escrow shortage of 287.14 they state was an original mistake in the original banks "ohio savings' math. They do not give monthly statements as to where your money is being applied either. I have sent the letter they sent to me as well as other documents not only to their research department but to the state attorney generals office for Georgia and the state banking commissioners office for Georgia as well. If I have to I will send them to the federal level as well as the same offices for all the other states they do business in.

by Anonymous From Detroit, MI on February 11, 2008

by Nicole Zerilli From Roseville, MI on February 11, 2008

First month that I tried to make a payment after my loan was sold to EverHome I called to make a payment was was told my loan was being handled by First American Loss Mitigation. I called them and they had no information. I then called EverHome again and they said that it was a mistake that a partial payment had been made (because too much was transfered.) I then had no problems for a month or two. I then received a letter stating my 11/07 payment had not been paid-IT HAD!!! I had to send copies of my processed check to the "research dept". I still have not received documentation that this has been taken care of. I also got behind in my payments they would not even talk to me about it! I was again referred to 1st American and no one answers the phone! I have left many messages. I complained to EverHome and was told they would send hardship paperwork. I did not receive and called again and was told they don't do that! They will only take whole payments and not make any arrangements. The next day I did receive hardship papers and completed and also sent my financial records. I called two weeks later and was told that these forms should not have been sent to me, but it "wasn't a mistake" and "it's not our fault you got behind" After speaking with a supervisor I still have no answers!!! I want out of this company!! Avoid at all cots if you can!!!

by Hardworking family From Detroit, MI on February 11, 2008

I am so nervous! I cannot believe the comments that I have read. And here I thought I was the only one to feel this way. It has been pure hell since my Ohio Savings sold my loan to Everhome Mortgage Co. I really hope the CEO Robert M. Clemens(Everbank) reads some of these comments and really thinks about peoples lives that are being torn apart. We are all in some really rough times and everyone needs help at some point. In my situation...I want to convert my chp 13 to 7, but I cannot even reach a real person in the Loss Mitigation dept. to see if Everhome will even work with us to come up with a loan modification. This company really needs to be revised or shut down! From these comments that I have read today, I think we are better of with 13 just to keep our home. Everhome is sneaky and underhanded! I am starting to think that if I when 7 Everhome will stab me in the back. Today I spoke with one of many of there csr named Mrs. Brown who said yes Everhome will work with you. Yeah right...then I asked to speak with Loss Mitigation for exploratory reasons and she refuse to transfer me or give me a direct number. What crap! What are they hiding?

by Ashley Grant From Greenville, GA on February 09, 2008

by Judy From Oak Harbor, WA on February 03, 2008

I got behind on my payments due to serious issues and offered them what I had with a letter explaining.They refused it all or nothing. They tagged on lawyer fees, interest, late charges. I come home and there is a note posted on my house from Regional Trustee Services with there fines and fees along with the other amounts saying I have to pay ALL asap because the house is in foreclosure and ready to be auctioned off.I called the American Housing Authority and paid them the money everhome refused. I then recieved a work out plan from Newsome that I could not afford. I contacted the American Housing Authority and let them know and I got a call back on my answering machine from Angel G. and said we have closed your account, He suggested that I Everhome myself and talk with them asap. In American Housing Agreement it says that closing of my account with them has to be in writing. So I called them back but recieved no response from them either.I have called Everhome many times - get a different person each time tell them what is going on, they try Newsomes phone and say they get the answering machine as well. They they say for me to leave a voice msg on her phone and they will e-mail her as well and her boss and I will be getting a call back from her or her boss within a few hours. NOTHING now my home is going to go up for auction and they still have not contacted me.I am a single parent, kids in the home and NO WHERE TO GO. I WANT THIS HOME AND NO ONE WILL WORK WITH ME ON IT. By this company doing this to myself and others, they are throwing people into the streets and breaking up homes. It seems they would want to work with people to save there homes instead of what they are doing. It is shameful. I have read the other comments and I have to agree that if Everhome can not do there jobs correctly, why should we all have to pay very dearly and loose everything we have worked for and have to pay extra fees. It seems that since the housing market has dropped considerably that they would want to work with the home buyers and keep them in there homes. IT IS JUST UNBELIEVABLE AND SHOULD BE STOPPED SOMEHOW. Perhaps the National Hot line can help some of us. Write to congress, Senators, Some one should be able to help. If there is anyone that can help myself and these other people it would be greatly appreciated.

by Florida From Orlando, FL on February 01, 2008

Check your escrow accounts, they lie.

by Anonymous From Grayson, GA on January 31, 2008

by Anonymous From Rahway, NJ on January 30, 2008

This has to be one of the worst banks I have ever dealt with, EVERYTHING ABOVE is right, there customer service is the WORST, they don not help at all!! I need to get my loan away from them NEVER go to EVERHOME!!!

by Anonymous From Lodi, NJ on January 25, 2008

Very slow to help!

by Anonymous From Bay City, MI on January 24, 2008

by Sandy From Roswell, GA on January 23, 2008

My nightmare became when my previous mortgage company sold my loan to Everhome. They paid my tax late, and they did not pay full amount of penalty; I made extra payments for the principal(I wrote big “principal” on the check), but they put them in the escrow; The escrow refund was sent out late… I have to call them again and again, and the customer service is terrible, really terrible. They told me my tax was all settled, no need to worry, but I called the city, the penalty was not paid in full. I asked how I can pay the extra payment for the principal without mistake, they said machine handles the check and it treats it as a regular payment. So basically I have no way to do it… I hope their CEO, Chairman or whoever responsible will read all these complaints and do something. How can I get out of this company? I can refinance, but what if they buy my loan again?

by kim young From Redding, CA on January 22, 2008

I see that Everhome is affiliated with Wachovia. I have had loans with both (my loans were sold to these companies). Wachovia was inept. I do get through on the phone fairly quickly. However, each Customer Rep gives me different info. I am still waiting on my escrow refund that was reportedly mailed out to me 15 days ago. The staff needs training. Will not use Wachovia nor Everhome when I buy my next home.

by Anonymous From San Antonio, TX on January 22, 2008

The worst!! Everhome bought out my loan.I was awarded the home in the divorce.Everhome refused to speak to me for 2 years! Filed bankruptcy last year,they would NOT pay the home owners insurance,until I turned them into FHA. Now again,they have NOT paid my taxes,again I turn them into FHA. FHA even said,its illegal for them not to pay insurance/taxes when im paying them escrow!!! Do not deal with this company!

by Anonymous From Miami, FL on January 18, 2008

HORRIBLE. Get everything in WRITING, ask for the RECORDINGS if you call, use the local BETTER BUSINESS BUREAU, and if you feel up to it FILE A COMPLAINT IN COURT! HORRIBLE COMPANY

by Anonymous From Riverdale, GA on December 19, 2007

Rip off, out to get your money and your house, stay away from these crooks.

by Anonymous From Frederick, MD on December 16, 2007

Everhome bought out my home equity loan from NetBank when NB went under a few months ago. Everhome has the worst service I have ever seen. Their minimum payment is double what I had with NB, but they said the terms would not change. They accused me of missing my first payment, but I didn't miss it. I'm working with another company to replace this loan but they won't give the other company the pay off info, yet they charge me $20 every time one of us call them to request the info. The other company said Everhome is the worst they have ever dealt with. Stay away from Everhome!

by Anonymous From Long Beach, CA on December 10, 2007

Horrible customer service. Charged late fees when payments were received on time. I know, I send my payments certified return receipt and know absolutely that they are received on time. Yet two out of six payments were considered late. I still have to fix the problem. Their customer service yells and hangs up the phone. They are argumentative and condescending. The worst!!

by T M From Mount Washington, KY on December 03, 2007

I too have had nothing but trouble with this company! I sent a payment on 1/24/07 & supposedly it was not received until 2/15/07. I was told with "your type of account" they won't post a payment. I asked "what type of account do I have?" When I got a supervisor, he apologized & had "no idea what the csr was talking about"!!!???? IDIOTS!

by Mary From West Palm Beach, FL on November 27, 2007

Lesson learned...shame on me...I will NEVER obtain a loan that sells most of their servicing. You could wind up with EVERHOME MORTGAGE. At least with a Bank there is someone to talk to and work with. This outfit is the chop shop of servicers and doesn't care about customers. Shame on me..won't get burned again.

by Anonymous From Burbank, CA on November 26, 2007

All of the negative remarks below are absolutely correct! I have never in my life come across a more incompetent group of people than that of the customer service department at everhome. I urge all of you to file complaints with the better business bureau. This absurdity has to come to an end.

by Anonymous From Sioux City, IA on November 24, 2007

Everhome's customer service is horrible. I have had problems with a late fee that was not my error and was finally fixed after 6 mos and now without notice I have to pay almost an extra 150.00 for as escrow shortage. I would not have been aware of this if i had not just happened to look online. My new coupon book actually showed a payment that is less than what i have been paying for the last year. Thank God i looked online or I would never have known about this and would have been late on my payment. Terrible customer service. Extremely unhappy with them.

by Katrina From Verona, PA on November 20, 2007

Their idea of customer service is pathetic. They wanted me to pay my entire escrow underage in one payment. Even though I called and told them the additional monies would present a hardship. I have had mortgages over the years, and they by far are the worst. I have always been able to spread any shortages over the life of the loan. They flat out refused to do this even though they could not state if it was a requirement by law. They told me that if I didn't make the one time balloon payment, they would take all of the extra money I had paid on the principal and take it to cover the shortage. I was furious. They had no right to use my money as they see fit. I did give them an earful about harassing people who do keep up with their payments and even pay a little extra. I guess they just have an across the board policy on treating everyone poorly.

by Anonymous From Marietta, GA on November 19, 2007

Rude and incompetent customer service department. Was given a different answer each time I called inquiring about my homeowners insurance payment from escrow. Only after calling in and speaking with a new home loan rep and threatening to transfer my loan to another company could I finally get this taken care of. Before that I was told there was no one who could help me. I am selling this house otherwise I would change companies immediately. I will never do business with them again.

by Anonymous From Griffin, GA on November 15, 2007

by Paige From Yeagertown, PA on November 05, 2007

Everhome is the WORST, I am being overcharged on Pmi, they wont work with me, take forever to respond to requests, I hired an attorney, and they wont respond to him via respa acts. The customer service is awful, one hand does not know what the other is doing. They are out to steal your home, and the more equity you have, the more they will come after you. BEWARE! First Alliance Mortgage was closed down by federal courts for predatory lending, in response Alliance moved to Florida and became, you guessed it, EVERHOME

by vic lazaar From Harriman, NY on November 04, 2007

THEY JUST DON'T CARE ON ANYTHING.

by Amy From Baldwinsville, NY on November 01, 2007

Our mortgage was sold to Everhome in sept of 06, we have had nothing but problems, they attempted to foreclose on our house and we were not behind, when it was time for court our lawyer showed up with their internet electronic payment statement, to prove that we are not 4 months behind and have not even been late. They have since taking my internet access away. The only punishment they received was that they had to pay my lawyer fees. We have numerous late fees, no matter when we send the payment out, it takes three weeks to receive and cash a check from NY. The customer service was so kind and told me to mail my payment out earlier, so if your payment is do between the 1-16 you must mail your payment in on the prior month on the 16 to have it cash by the following due date. They are awful,and there has to be something we all can do. I would love to know how many people have late fees that should not have them. I am now sending my payment using UPS, they also told me that I could pay over the phone for 17.50 a shot. They think they have you so they are taking advantage of people with lesser credit.

by Anonymous From Danville, VA on October 04, 2007

by Anonymous From Mesquite, TX on October 03, 2007

Does anyone know how I can get out of my loan with them and switch to another company?

by Anonymous From Jacksonville, FL on September 21, 2007

I have had a GREAT experience with EverHome Mortgage Company. Great Customer Service Skills and a willing to help.

by Anonymous From Saint Paul, MN on September 19, 2007

Everhome sucks they failed to pay my insurance two years straight but wouldn't let me out of escrow because they want to make sure it gets paid. I am paid ahead till the end of the year plus i pay ahead on the principle each month also. don't trust them to get anything done no representation in my home state. you are at their whims and mercy.

by Anonymous From Rapid City, SD on September 14, 2007

I submitted a work-out plan a month and a half ago. My mortgage was sold to Everhome by NetBank. At that time we were already behind in payments. I received barely any notice that our mortgage was being sold. Everhome seemed willing to work with us but I probably have left 20 voice mails for a Ms. Newsome at Everhome's Loss Mitigation Dept. and still have heard nothing even though I was told last week that I would have an answer. Hope this doesn't happen to anyone else and I pray to God our home isn't lost for good. Lessons learned! :-(

by Anonymous From Atlanta, GA on September 11, 2007

Everything that has been already said is true and then some. Bad service, rude CSR folks, unreasonable demands. My mortgage was sold to them by Irwin Mortgage in December and they have been a nightmare to deal with from jump. Missing payments? HA!! Good luck straightening it out. Needing to make arrangements? Bah, humbug! Fortunately my husband used to be a collector for GE Commercial and can deal with them on their turf otherwise there's no telling what bill of goods they'd try to sell us next. Stay away from this company if you can, they are BAD NEWS.

by Robert A./Brenda J. Washum From Morganfield, KY on August 30, 2007

Everhome's representatives are, rude and non-caring. We did not sell our loan and did not learn of it until appr. one month prior to the next mortgage payment with our first lender.No one could explain why, when we maintained an excellent payment record.

by Anonymous From Braintree, MA on August 27, 2007

Like most, Everhome "bought" my mortgage. Since day one they have been nothing but bad. Now they want my home. I hope to God they will work with us to save it.

by Anonymous From Jacksonville, FL on August 12, 2007

OH BOY ON MY WAY TO THIS COMPANY...PLS GOD HELP US ALL INCLUDING THE WORKERS THERE @ EVERHOME MTG

by Gracie From Concord, GA on August 05, 2007

EVERHOME IS THE WORST!!! Our loan was sold to Everhome and we were behind one payment, now due to them not accepting the one payment we have spiraled into being 4 payments behind and have been consistantly told they cant help us and there is not a "work out" plan for us. They refuse to let us speak to a Supervisor or Mitigation Dept. when we call. We are loosing our home and we were never given the opportunity to work it out. They have treated us like CRIMINALS!!!! I am in complete despair and dont know where my family will be in a month??!!

by Bruce Witty From Lorton, VA on July 31, 2007

I appreciate the fact that Everhome offered me the best competitive rate on a jumbo loan. However, I quickly wished I had picked another company. Their loan documents were horrendous. The loan processors did not give full information and treated us as near criminals for not submitting all paperwork correctly. I have had previous mortgages and home equity loans with PFCU, Signet, and USAA so I know what is expected. The paperwork from my previous loans was hard but the banks helped and the process went smoothly on time. With Everhome the process was very hard and slow. Why is Everhome so weak on customer service while others are so helpful?

by Anonymous From Warner Robins, GA on July 06, 2007

we got behind on and they wanted more than triple the amount to catch for 6 months. CRAZY..if we cant pay the first amount why triple it?? 2 months behind and got a letter from a lawyers office.

by Anonymous From Conyers, GA on June 29, 2007

Everhome is very unprofessional & they lack customer service skills & knowledge. We were on a repayment plan that was so high we could not keep up now. Information is inconsistent. Only God will& can change this for us.

by Anonymous From Florissant, MO on June 20, 2007

Hate Everhome mortgage. My previous mortgage company sold my loan to Everhome and it's been a nightmare.Payments not applied correctly, get a different story with each call to customer service, telling me loan payments applied to past due payments when my loan is current. Horrible customer service, rude people, I'm keeping a log on calls to them. Suggest you get everything in writing.

by Anonymous From Battle Creek, MI on June 18, 2007

Our mortgage was sold to Everhome from Opteum Financial. At that we were already behind on our payment. We called Everhome and they told us to send our regular payment in with the correspondence they sent us and everything would be ok. We did that but our home is still going into forclosure.

by Anonymous From Lithonia, GA on April 27, 2007

when I fell behind in my payments Everhome was willing to work with me but the modification/payment plan was extremely high I accepted the terms in order not to loose my home but I found that I could not keep up had another modification that was higher than the first this has become so over whelming. I have fallen behind again and now I am in jeopardy of loosing everything that I have worked so hard to keep.

by Anonymous From La Fontaine, IN on April 25, 2007

Our original mortgage company was sold to Everhome. Received notice of this activity but never received paperwork or payment info till 2 or 3 months later. They wouldn't accept payments as they couldn't "locate" our customer info immediately. Then made demands for payment or threatened with foreclosure.

by Rhonda Erwin From Fort Worth, TX on April 07, 2007

We have been told so many different stories. Our loan was sold on December 31st from Irwin Mortgage. We have tried to make payments and was told no three months ago and called every other week since then. Still, no call from a Mrs. Chapman. Numerous messages have been left, no trace of paper work we filled out and sent in months ago. This is our home and we have had so many serious issues to deal with, the last thing we need is to loose our home.

by Anonymous From Bedford, NH on March 28, 2007

Unresponsive to attempts to contact re: reappraisal for removal of PMI. Accepts only FAXED inquiries. Cust. Service tells me that each response will take "30 days" to be processed. Several contacts have been "lost". This has cost me months of overpaid PMI.