American finance resources denied my loan after 6 weeks of reviewing my application 2 days prior to closing because the home was in a 55 and over community. The MLS stated this information, nor did this criteria come up until 2 days before closing. I am livid!! AFR is inept, rude, and unethical!! Avoid this company.
American Financial Resources INC. closed loan in March 09, first payment was suppose to be May 01, 2009 but they required $1000.00 April 01, 2009. Now I want a pay off so that I can go to a 15 yr fixed and they (American Fin. Res. Inc is holding the May first payment and I was informed that they sold the loan to Bank of America , after checking w/BOA no loan tranfer has taken place and no pay off can be given to me to move forward Denville New Jersey
closed loan (# 00000083151) in March 09, first payment was suppose to be May 01, 2009 but they required $1000.00 April 01, 2009.
Now I want a pay off so that I can go to a 15 yr fixed and they (American Fin. Res. Inc) is holding the May first payment and I was informed that they sold the loan to Bank of America.
After checking w/BOA no loan tranfer has taken place and no pay off can be given to me to move forward.
Loan Officer Christopher Bueckert told me the loan was sold to BOA but no contact for BOA availible.
American Financial Resources - mishael Rangel And Supervisor paid for an appraisal 400.00 dollars loan officer keeped for him self. my loan by supervior refigered the loan came out with different figuers and said i woud recive my money back sor Sacramento Califorina
i put an application for a consolidation loan every thing went through we were ready to close 5% interest 30 year loan . mishael or micheal randel thats the name he used in order to close this loan you need to pay the appraiser up front you need to send the money right away . it was sunday every thing was closed so he told me to wire the money so i went to wallmart wired a money gram to an appraisal that didnt exist it was to him . i called the main supervisor mike yuskanich he said i will make it right ,conected me with another supivisor john ledger to take over my loan he came out with different figuers not what the agreement was whole different numbers. the appraiser never showed up 400.00 was still owed to me never payed to me they were refered by lending tree which i wound if they are part of this scandel also
AFR - AMERICAN FINANCIAL RESOURCES NEW JERSEY MRTG offered a 5.50 fixed interest refianance then 6.25 and thousands more to AFR DENVILLE New Jersey
FORTUNATELY, I CHECKED THE INTERNET WHEN YOU FAILED TO E-MAIL THE DOCUMENTS YOU PROMISED AND I WAS STUNNED TO READ THE SEEMINGLY ENDLESS COMPLAINTS AGAINST AFR.
FOR ME, IT ALL BEGAN ON 6/18/08 WHEN PETER KEAN FROM AFR CONTACTED ME BECAUSE I HAD CONTACTED LENDING TREE. KEAN SET EVERYTHING UP AND THEN SUDDENLY STOPPED RETURNING MY CALLS AFTER I PAID NEW YORK APPRAISERS $325.00 OUT OF MY OWN POCKET. I FINALLY WAS TOLD BY SOME AFR BROKER NAMED DAN THAT KEAN HAD BEEN FIRED FOR: "BEING AN INCOMPETENT IDIOT". DAN CLAIMED HE WAS A VICE PRESIDENT, THAT MY STATS WERE EXCELLENT AND HE'D HANDLE THE CLOSING.
THEN "VP" DAN STOPPED RETURNING MY CALLS (AT LEAST 12 MESSAGES) AND I GOT ROB CAPNER WHO TOLD ME MY STATS WERE EXCELLENT, THAT HE WASN'T SURPRISED DAN DIDN'T RETURN MY CALLS BECAUSE HE WAS: "AN IDIOT". ROB CAPNER TOLD ME HE WAS AN AFR VICE PRESIDENT AND THAT HE'D HANDLE THE CLOSING. HE APOLOGIZED PROFUSELY FOR THE DELAYS AND PROMISED TO FINISH THINGS UP IMMEDIATELY.
IN THE INTERIM I ASKED FOR A COPY OF THE APPRAISAL FOR MY RECORDS WHICH I'D PAID NY APPRAISERS $325.00 CASH FOR AND AFR REPEATEDLY PROMISED ME THE APPRAISAL BUT NEVER SENT IT. FINALLY, NY APPRAISERS SENT IT IN AN E-MAIL AFTER I THREATENED TO SUE THEM.
WELL, VP ROB CAPNER DISAPPEARED AND WHEN I CALLED ON 8-07-2008 I GOT YOU, VICE PRESIDENT OF AFR, DARREN D'ANGELIS 800-316-9508; CELL: 973-964-4267. YOU CLAIMED THAT YOU COULDN'T UNDERSTAND THE PROBLEM AND PROMISED THAT YOU WOULD E-MAIL MY ILL WIFE AND I THE DOCUMENTS WITH RELEVANT FIGURES. YOU NEVER DID.
HOWEVER, AFTER READING ON THE WEB THAT OTHER PEOPLE CONSIDER YOUR FIRM RIP-OFFS I'LL NEVER DEAL WITH YOU AND WILL DO EVERYTHING AT MY DISPOSAL TO EXPOSE YOU FOR THE FRAUD'S OTHERS SAY AFR IS AND MY EXPERIENCE HAS MORE THAN SUPPORTED. YOU OUGHT TO BE ASHAMED. I WILL BE COMPLAINING TO THE BBB, ATTORNEY GENERALS - NEW YORK AND NEW JERSEY AND ANYONE ELSE I CAN THINK OF.
YOU OWE ME $325.00 FOR THE BOGUS APPRAISAL I PAID FOR IN GOOD FAITH. WHAT, DO YOU SPLIT THE MONEY WITH YOUR APPRAISAL COMPANY. YOU BET I'M FURIOUS. YOUR WRONGFUL BUSINESS PRACTICES HAVE WASTED MY TIME, LOWERED MY CREDIT SCORE AND NOW I FIND OUT YOUR CREDIT BUREAUS SELL MY NAME AND OTHERS SEEKING MORTGAGES TO MORTGAGE COMPANIES WHO SEEK INFO FROM THE THREE CREDIT BUREAUS AND DAMAGE MY CREDIT RATING EVEN MORE.
YOU'VE NOT HEARD THE LAST OF ME BY A LONG SHOT, SHARPIE. I PITY ANYONE WHO HAS TO EEK OUT A LIVING TAKING ADVANTAGE OF OTHER PEOPLE WHO TRUSTED YOU. WHAT GOES AROUND COMES AROUND - AS I AM SURE YOU WILL SOON LEARN IN A MOST UNPLEASANT MANNER AND THE WONDERFUL THING IS, I DON'T NEED TO RAISE A FINGER, AND I WON'T, YOU'LL DO IT ALL TO YOURSELF.
I ONLY TRULY PITY YOUR FAMILY.YOU AND YOUR COMPANY, AFR, IS OBVIOUSLY PART OF THE HUGE MORTGAGE CRISIS DESTROYING SO MANY FAMILY'S DREAMS TO OWN A HOME. WHAT'S THE DIFFERENCE BETWEEN YOU AND A BANK ROBBER?
American Financial Resources mortgage ripoff and delay in loan causing rates and points to increase Denville New Jersey
I made application with broker on May 31st, 2007 with all paperwork and appraisal costs paid. At first they promised me a jumbo loan at 6.25% but after 2 weeks they said that only a loan at 6.50% was available. I went ahead with the higher cost loan and they jerked me around until June 25th, when they called and said that even though i had a commitment letter from the bank, that my loan was not approved and that there was nothing they could do. Now I must go and start all over again and rates have increased and I am out of pocket for the costs I paid upfront. Stay away from American Financial Resources Inc. at all costs!!
American Financial Resources Inc Mortgage Re-Finance rates not locked in and cost me money Denville, New Jersey
i inquired about re-financing my mortgage from american financial resources in mid May. I was given a good faith estimate at a rate of 4.625%, no points for a 30 year fixed. I provided all the financial data requested in 1 day and also had an appraisal completed in 2 days at my out of pockect cost of $350. I repeatedly called and emailed nick dimilia, representative with no response. When I finalling connected by using an unknown number he informed me that my rate was never locked in and that the current rates were in a point higher that he offered. nick stated that he would call me back the next day after speaking with his supervisor to see what he could do, no call back. i sent an email and inforemed him that i would be filing a complaint. he called the next day an gave me a sales pitch line of he is looking out for me but never made good on covering my out of pocket cost. nick called 2 days in a row to let me know that rates are not good yet and was keeping me in mind. this experience has been not only financial imapctful as it was going to save me $700 per month, out of pocket $350, pulling all the finance info but a total frustrating lies after lies.i flet i needed to come forth so that someone else might not fall for this sales scam.
Me and husband were tring to get pre-approved for an fha loan, got turned down but were told if we could find a co-signer then they would definately help, well 2 mnths pass my dad offered to co-sign so i called them back , i called american financial resources inc back ,ask to speak with the last person who was handeling our case was told he was no longer ther.
The person on the phone told me that he could help he would look thru our case and call me back . Called me back the next day and was going thru our old applacation, and said , the looks of it , you might not need a co-signer, that the last person who was no longer their may have mishandeled the case.
Called back an hour later,as he was going thru my husbands credit report and saw on ther , that he owed money to a community jail.
Asked why he was in jail and i told him an honest answer , not that i thought that was any of his buisness, and asked me if my husband was ever in state pennatentary, i was honest with him , and then the representative (BROKER) told me a bank would never approve an x-felon for a home loan.
After feeling ashamed and humilated he said he would ask his boss to be sure because he did not know their policy and call me back that day, which he did not nor the next or after
American Financial Resources Reviews
American finance resources denied my loan after 6 weeks of reviewing my application 2 days prior to closing because the home was in a 55 and over community. The MLS stated this information, nor did this criteria come up until 2 days before closing. I am livid!! AFR is inept, rude, and unethical!! Avoid this company.
American Financial Resources INC. closed loan in March 09, first payment was suppose to be May 01, 2009 but they required $1000.00 April 01, 2009. Now I want a pay off so that I can go to a 15 yr fixed and they (American Fin. Res. Inc is holding the May first payment and I was informed that they sold the loan to Bank of America , after checking w/BOA no loan tranfer has taken place and no pay off can be given to me to move forward Denville New Jersey
closed loan (# 00000083151) in March 09, first payment was suppose to be May 01, 2009 but they required $1000.00 April 01, 2009.
Now I want a pay off so that I can go to a 15 yr fixed and they (American Fin. Res. Inc) is holding the May first payment and I was informed that they sold the loan to Bank of America.
After checking w/BOA no loan tranfer has taken place and no pay off can be given to me to move forward.
Loan Officer Christopher Bueckert told me the loan was sold to BOA but no contact for BOA availible.
Raymond
Gulfport, Mississippi
U.S.A.
American Financial Resources - mishael Rangel And Supervisor paid for an appraisal 400.00 dollars loan officer keeped for him self. my loan by supervior refigered the loan came out with different figuers and said i woud recive my money back sor Sacramento Califorina
i put an application for a consolidation loan every thing went through we were ready to close 5% interest 30 year loan . mishael or micheal randel thats the name he used in order to close this loan you need to pay the appraiser up front you need to send the money right away . it was sunday every thing was closed so he told me to wire the money so i went to wallmart wired a money gram to an appraisal that didnt exist it was to him . i called the main supervisor mike yuskanich he said i will make it right ,conected me with another supivisor john ledger to take over my loan he came out with different figuers not what the agreement was whole different numbers. the appraiser never showed up 400.00 was still owed to me never payed to me they were refered by lending tree which i wound if they are part of this scandel also
Anna
ruidoso downs, New Mexico
U.S.A.
AFR - AMERICAN FINANCIAL RESOURCES NEW JERSEY MRTG offered a 5.50 fixed interest refianance then 6.25 and thousands more to AFR DENVILLE New Jersey
FORTUNATELY, I CHECKED THE INTERNET WHEN YOU FAILED TO E-MAIL THE DOCUMENTS YOU PROMISED AND I WAS STUNNED TO READ THE SEEMINGLY ENDLESS COMPLAINTS AGAINST AFR.
FOR ME, IT ALL BEGAN ON 6/18/08 WHEN PETER KEAN FROM AFR CONTACTED ME BECAUSE I HAD CONTACTED LENDING TREE. KEAN SET EVERYTHING UP AND THEN SUDDENLY STOPPED RETURNING MY CALLS AFTER I PAID NEW YORK APPRAISERS $325.00 OUT OF MY OWN POCKET. I FINALLY WAS TOLD BY SOME AFR BROKER NAMED DAN THAT KEAN HAD BEEN FIRED FOR: "BEING AN INCOMPETENT IDIOT". DAN CLAIMED HE WAS A VICE PRESIDENT, THAT MY STATS WERE EXCELLENT AND HE'D HANDLE THE CLOSING.
THEN "VP" DAN STOPPED RETURNING MY CALLS (AT LEAST 12 MESSAGES) AND I GOT ROB CAPNER WHO TOLD ME MY STATS WERE EXCELLENT, THAT HE WASN'T SURPRISED DAN DIDN'T RETURN MY CALLS BECAUSE HE WAS: "AN IDIOT". ROB CAPNER TOLD ME HE WAS AN AFR VICE PRESIDENT AND THAT HE'D HANDLE THE CLOSING. HE APOLOGIZED PROFUSELY FOR THE DELAYS AND PROMISED TO FINISH THINGS UP IMMEDIATELY.
IN THE INTERIM I ASKED FOR A COPY OF THE APPRAISAL FOR MY RECORDS WHICH I'D PAID NY APPRAISERS $325.00 CASH FOR AND AFR REPEATEDLY PROMISED ME THE APPRAISAL BUT NEVER SENT IT. FINALLY, NY APPRAISERS SENT IT IN AN E-MAIL AFTER I THREATENED TO SUE THEM.
WELL, VP ROB CAPNER DISAPPEARED AND WHEN I CALLED ON 8-07-2008 I GOT YOU, VICE PRESIDENT OF AFR, DARREN D'ANGELIS 800-316-9508; CELL: 973-964-4267. YOU CLAIMED THAT YOU COULDN'T UNDERSTAND THE PROBLEM AND PROMISED THAT YOU WOULD E-MAIL MY ILL WIFE AND I THE DOCUMENTS WITH RELEVANT FIGURES. YOU NEVER DID.
HOWEVER, AFTER READING ON THE WEB THAT OTHER PEOPLE CONSIDER YOUR FIRM RIP-OFFS I'LL NEVER DEAL WITH YOU AND WILL DO EVERYTHING AT MY DISPOSAL TO EXPOSE YOU FOR THE FRAUD'S OTHERS SAY AFR IS AND MY EXPERIENCE HAS MORE THAN SUPPORTED. YOU OUGHT TO BE ASHAMED. I WILL BE COMPLAINING TO THE BBB, ATTORNEY GENERALS - NEW YORK AND NEW JERSEY AND ANYONE ELSE I CAN THINK OF.
YOU OWE ME $325.00 FOR THE BOGUS APPRAISAL I PAID FOR IN GOOD FAITH. WHAT, DO YOU SPLIT THE MONEY WITH YOUR APPRAISAL COMPANY. YOU BET I'M FURIOUS. YOUR WRONGFUL BUSINESS PRACTICES HAVE WASTED MY TIME, LOWERED MY CREDIT SCORE AND NOW I FIND OUT YOUR CREDIT BUREAUS SELL MY NAME AND OTHERS SEEKING MORTGAGES TO MORTGAGE COMPANIES WHO SEEK INFO FROM THE THREE CREDIT BUREAUS AND DAMAGE MY CREDIT RATING EVEN MORE.
YOU'VE NOT HEARD THE LAST OF ME BY A LONG SHOT, SHARPIE. I PITY ANYONE WHO HAS TO EEK OUT A LIVING TAKING ADVANTAGE OF OTHER PEOPLE WHO TRUSTED YOU. WHAT GOES AROUND COMES AROUND - AS I AM SURE YOU WILL SOON LEARN IN A MOST UNPLEASANT MANNER AND THE WONDERFUL THING IS, I DON'T NEED TO RAISE A FINGER, AND I WON'T, YOU'LL DO IT ALL TO YOURSELF.
I ONLY TRULY PITY YOUR FAMILY.YOU AND YOUR COMPANY, AFR, IS OBVIOUSLY PART OF THE HUGE MORTGAGE CRISIS DESTROYING SO MANY FAMILY'S DREAMS TO OWN A HOME. WHAT'S THE DIFFERENCE BETWEEN YOU AND A BANK ROBBER?
George
Andes, New York
U.S.A.
American Financial Resources mortgage ripoff and delay in loan causing rates and points to increase Denville New Jersey
I made application with broker on May 31st, 2007 with all paperwork and appraisal costs paid. At first they promised me a jumbo loan at 6.25% but after 2 weeks they said that only a loan at 6.50% was available. I went ahead with the higher cost loan and they jerked me around until June 25th, when they called and said that even though i had a commitment letter from the bank, that my loan was not approved and that there was nothing they could do. Now I must go and start all over again and rates have increased and I am out of pocket for the costs I paid upfront. Stay away from American Financial Resources Inc. at all costs!!
Steve
Boca Raton, Florida
U.S.A.
American Financial Resources Inc Mortgage Re-Finance rates not locked in and cost me money Denville, New Jersey
i inquired about re-financing my mortgage from american financial resources in mid May. I was given a good faith estimate at a rate of 4.625%, no points for a 30 year fixed. I provided all the financial data requested in 1 day and also had an appraisal completed in 2 days at my out of pockect cost of $350. I repeatedly called and emailed nick dimilia, representative with no response. When I finalling connected by using an unknown number he informed me that my rate was never locked in and that the current rates were in a point higher that he offered. nick stated that he would call me back the next day after speaking with his supervisor to see what he could do, no call back. i sent an email and inforemed him that i would be filing a complaint. he called the next day an gave me a sales pitch line of he is looking out for me but never made good on covering my out of pocket cost. nick called 2 days in a row to let me know that rates are not good yet and was keeping me in mind. this experience has been not only financial imapctful as it was going to save me $700 per month, out of pocket $350, pulling all the finance info but a total frustrating lies after lies.i flet i needed to come forth so that someone else might not fall for this sales scam.
Vito
Lawrenceville, New Jersey
U.S.A.
Me and husband were tring to get pre-approved for an fha loan, got turned down but were told if we could find a co-signer then they would definately help, well 2 mnths pass my dad offered to co-sign so i called them back , i called american financial resources inc back ,ask to speak with the last person who was handeling our case was told he was no longer ther.
The person on the phone told me that he could help he would look thru our case and call me back . Called me back the next day and was going thru our old applacation, and said , the looks of it , you might not need a co-signer, that the last person who was no longer their may have mishandeled the case.
Called back an hour later,as he was going thru my husbands credit report and saw on ther , that he owed money to a community jail.
Asked why he was in jail and i told him an honest answer , not that i thought that was any of his buisness, and asked me if my husband was ever in state pennatentary, i was honest with him , and then the representative (BROKER) told me a bank would never approve an x-felon for a home loan.
After feeling ashamed and humilated he said he would ask his boss to be sure because he did not know their policy and call me back that day, which he did not nor the next or after