Mr. Cooper
Attn: Customer Relations PO Box 619098
Dallas, TX 75261-9741
To Whom It May Concern:
I attempted to do a refi on a property that I was showing as a rental.
Mr. Cooper loan number #########
I contacted Christina Roe
NMLS ID 1859578
Mr. Cooper
(480) 378-4936
Christina.Roe@mrcooper.com
on 2-9-21. She sent over the docusign to get the process started.
We signed all the documents and submitted all the documents that were required.
The last time we heard from Christina was on 2-10-21.
On 3/3/21 I received a call from Christopher McCormick
Chris McCormick
Manager - Home Advisor
NMLS # 629899
Christopher.McCormick@MrCooper.com
(O) (480) 378.5866
(F) (469) 464.0492
Mr. Cooper NMLS # 2119
2501 S Price Rd., Chandler, AZ 85286
He apologized for Christina, saying she had personal issues and if we wanted to continue with the refi, he would take care of it.
I submitted some additional information to him that day.
May 18 2021 sent mail to customer service requesting help.
May 25 contacted by Christina Roe.
Started process again.
Provided current requested documents
June 2 turned over to loan processor Caitlin Mcnulty.
6/14 provide additional documents
We started emailing documents directly to Caitlin because documents were sitting in the loan tracker for 14 days without anyone looking at them.
7/1 provided additional documents, email directly to Caitlin.
Caitlin told us we might close on 7/16/21
7/13/21 Contacted Caitlin to confirm close date.
Got automatic replay saying Caitlin was out of the office until 7/16/21.
7/13/21 Contacted Christina Roe to check status, she contacted Deborah Bautista and was told the loan was still in processing and not ready to close.
7/14/21 contacted by Macayla Mcnulty saying they needed a signed 1040. We already provided a 1040 (not signed). We had provided a federal IRS transcript showing what was filed.
Printed out 1040 and signed it and scanned into computer and forwarded to Macayla.
7/16/21 got a request from Caitlin requesting a document from our IRA stating income for the next 36 months.
I do not get a monthly distribution, I am required to take an RMD(required minimum distribution) every year or pay penalties. I take a distribution in the first part of the year.
7/19/21 I sent email to Caitlin, Christina Roe, Christopher McCormick requesting status because rate lock expires on 7/23/21.
7/19/21 Received email from Caitlin please allow a few more days.
7/20/21 conference call with United Wholesale mortgage verifying payment history.
7/20/21 had to provide current banking statements, because of the excessive time in processing/underwriting.
7/20/21 had to sign closing disclosures changing rate lock to 7/30/21
7/25/21 no change, waiting.
7/29/21 notified that appraisal waver expired and they wanted to add $900 to closing costs and have to do an appraisal.
7/29/21 called and emailed Christina Roe and Christopher McCormick with no response.
7/31/21 Christina Roe returned call. We cancelled the REFI because they have delayed the process too long and were unwilling to put the appraisal waver back in.
This was the worst experience I have ever had doing a REFI or purchase of a property.
There is no customer service. read more