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.  

New American Funding was a savior to me because I was having trouble finding a lender to work with me due to my current credit, or so I thought, I started working with David Vo and although he was nice he was very bland in how he explained things and told me things which turned out not to be true or not completely true. David led me on one of the most nerve racking journeys I've ever been on and would never wish to do again. I understand most of the guidelines were set fourth by the FHA since I utilized an FHA loan but a lot of things I found were bank imposed and ridiculous also. Again David was nice but not very good with someone who never had a mortgage and didn't understand his lingo. I wouldn't ever trust a thing he says again. I then started working with Andrea Ontiveros as my processor, who was also very bland and for the most part ignored my emails. She would only respond to emails she had to or emails she asked further questions about, If it was about timing or a general question she would not respond, She never answered her phone once for me but would respond to a voicemail via email. One time did I get her on the phone and she didn't seem too thrilled to speak to me either. All in All this mortgage process was one big headache and because of this I will NEVER utilize an FHA loan again and I will also NEVER utilize New American funding nor will I recommenced them to anyone. I give them a two star simply because at the end of the day they did get me approved and into my home, other then that they rate at the bottom of the barrel for me