I checked my credit score before applying through Credit Karma and my score was at least 40-45 points higher than the rejection letter they sent me dening my loan application.  This is the service that Credit Karma has to help find you financing.  I think Credit Karma needs to know what low lifes these people are!  Experian is always the the lowest score but I even check that one and it was also higher than listed on my rejection letter.

We had a very bad mortgage and the servicing rights were sold to Round Point from Flagstar Bank.  We went to court with Flagstar, Queens Park Oval Assets and Round Point in Houston, Texas for Statutory Mortgage Fraud and Wrongful foreclosure and won the case.  Round Point, Flagstar and Queens Park refuse to accept the judgement of the court which deemed the Deed of Trust, Mortgage and Promissory Note wer not enforceable and awarded the property to us.  The case was settled in April on 2014 and is now turned over to the Department of Justice.  Round Point is not a good company to do business with. 

PennyMac is about to foreclose on my home.  I tried getting a lower payment, couldn't.  Ultimately I had to choose, medical care or home.  I chose medical care.  Now I am getting well but faced with "how to find a home, rent or otherwise, with bad credit and pets.  PennyMac did try to help me.  The laws and investers controll a lot of the actions of all lenders.  Just because they cant help you in your time of need, does not mean they did not care.  They listen, searched for options, and worked hard on my behalf.  For that I give them a 4.  I took 1 star away because they made an error on my streamline refinance that caused my house payment to increase by $900 a month and left me without options.  Their error, I paid the price.  

We purchased our house with New American a year ago. It was really easy compared to our previous experience. The broker worked with us to find the best loan for our needs. I work as an attorney who practices lender liability law and I generally suggest New American for my clients who has mortgage needs.