I would not trust this company. From start to finish there were many red flags that I kept overlooking due to my situation and application being a tough loan to approve. I continued as I had invested so much time!
I started with one loan officer who became aggressive verbally because I had legit questions about my loan that he didn't want to answer. He drove to my home yelling at me in front of my daughter outside of my car, then left driving quickly and yelling all the way up the street!
I was then assigned a new loan officer who was very professional and polite the entire process UNTIL 3 weeks ago. I closed on my home 4/28 and moved in 5/1/ 2023.
I am shocked and disappointed with certain companies who take advantage of their clients. I am sure it happens more than many realize. To make a very long situation as short as possible, the home I bought was a new build and the prior owner had only lived in it a little over a year, and since property taxes are 1 year behind, he was only paying for land.
Dan Hunter assured me that they would access my property taxes as close as possible and between Title and River City not doing their job just to get a sale closed, I am now in a terrible spot due to a huge escrow shortage of 3213.59 and a increased payment of $480.81.
Dan and I had several text messages and all he could do is blame the title company.
This is unacceptable. I spoke to my mortgage company to where I pay my monthly payment, a real estate attorney, and other companies who are now trying to help me and I have heard the term " predatory lending" multiple times.
I spoke with Dan on the phone hysterically crying and he mentioned they would try to help me, even if it meant they didn't make a penny lol, but next thing I know I am blocked from his cell. I called River City directly and ask to speak to Nick Hunter (his son) the owner 6 times. I was told he wasn't in the office, which was a lie. I ask for calls back, which I never received. There is nothing in writing stating that my payment would increase by almost 500.00.
I even received a surplus check 3 months after I moved in from Carrington. I ask my mortgage company and Dan about it. I was told to cash it, even though Dan now says that he didn't tell me that.
I even talked to the county auditor in Warren county and they said I should have already applied for an owner occupancy discount; which I knew nothing about. They stated that River City should have told me this.
Oh and did I mention, that before I even knew that I had an escrow shortage, Dan had text me twice in a 2 week period and was incredibly pushing about doing a refinance for me. The rates he gave me are not found by one mortgage company. I was told, it is a way of these companies selling re fi's by buying points. I was about to get taken advantage of again.
Every company I have spoken to states that River City needs to be ethical and make this right and to report them to BBB.
I gave them every opportunity to fix this and keep me as a client, and they did not. What company blocks a client and the owner won't get on the phone nor return a call? I would say one with a guilty conscious.
Run from this company!!!!!!!!!!! read more
