I'm in one of those "don't screw with me" moods, I think.
It started yesterday with that quote I posted, but it really flared with an email A. forwarded to me from the guy that's supposed to be helping us get our mortgage loan. So far, he's been incredibly less than helpful to the point that I have the loan documents here and signed, but I can't bring myself to send them back. But the email.
It started yesterday with that quote I posted, but it really flared with an email A. forwarded to me from the guy that's supposed to be helping us get our mortgage loan. So far, he's been incredibly less than helpful to the point that I have the loan documents here and signed, but I can't bring myself to send them back. But the email.
Subject: Loan Documents
Date: Mon, 3 Mar 2008 17:34:48 -0500
R[xxx],
I wanted to follow-up with you regarding your loan and M[xxx] and Maureen's conversation regarding the information I already have. I believe you received a letter from Maureen [xxx] requesting some information, bank statements, pay stubs, etc. I know that you had already dropped those things off to me, but many of those items were dated around the last loan we were working on. Since that was many months ago this loan requires updated more recent documents from you. Maureen is a great processor and will be sure to take good care of you. If you'd like to fax them to me or directly to her that's fine. Please let me know if you have any questions regarding the mortgage.
Um. Ok. I was tired and not one bit of that made sense to me last night because I was REALLY tired and uncertain of the dates involved.
I'm not so tired this morning.
A. took the documents in question to Jason (the mortgage loan guy) on February 8. I know this because he did it on the last day of his vacation before he started working on the cars again and I got super pissed because he left everything there - the tax records for 2005 and 2006, the w2s for 2007 (while I was in the middle of doing the taxes, no less), bank statements, everything anyone needed to wipe out our bank accounts and/or steal both our identities - and it wouldn't be mailed back to us until sometime during the next week. That was way too long for random folks to be having their hands on all my sensitive information, and damnit, I wanted to do the taxes!
A. emailed Jason on the 13th to see if there was anything else we could do and he got an email on the same day saying "moving along smoothly" blahblahblah.
On the 22nd A. gets a series of emails from Jason. These included an update on our credit scores (low to mid-700s on both of us), wanting to know if I could put A. on the checking account (??? he... IS... on the account), and wanting to know if we could (if I'm interpreting it correctly) get a custom statement printed from the bank. The sentence read (and I'm copying and pasting this, folks):
I'm not so tired this morning.
A. took the documents in question to Jason (the mortgage loan guy) on February 8. I know this because he did it on the last day of his vacation before he started working on the cars again and I got super pissed because he left everything there - the tax records for 2005 and 2006, the w2s for 2007 (while I was in the middle of doing the taxes, no less), bank statements, everything anyone needed to wipe out our bank accounts and/or steal both our identities - and it wouldn't be mailed back to us until sometime during the next week. That was way too long for random folks to be having their hands on all my sensitive information, and damnit, I wanted to do the taxes!
A. emailed Jason on the 13th to see if there was anything else we could do and he got an email on the same day saying "moving along smoothly" blahblahblah.
On the 22nd A. gets a series of emails from Jason. These included an update on our credit scores (low to mid-700s on both of us), wanting to know if I could put A. on the checking account (??? he... IS... on the account), and wanting to know if we could (if I'm interpreting it correctly) get a custom statement printed from the bank. The sentence read (and I'm copying and pasting this, folks):
"I want to show as much funds in your accounts so can you print me statement on the day you get paid?"
I don't know of ANY bank that does that. Sure, I can print out a screen capture of my account records on the day A. gets paid, before I start paying bills, but the statements I provided are print outs of actual bank statements and the information contained within them doesn't change based on when I print them. (I subscribe to the e-statement method of statements.)
On the 26th A. gets an email asking him about his military background and status (....again, it's IN THE PAPERWORK I SENT OVER) and on the 27th an email letting him know who the processor assigned to our loan is and that she may be contacting us for further information.
Um. Ok.
On February 29 we get a letter via USPS from Maureen (the processor) requesting original documents of EVERY SINGLE ONE OF THE DOCUMENTS WE'VE ALREADY SUBMITTED to Jason. Irritated and confused by this, I call her office, leave a message and settle in to watch a movie while A. takes a nap and K. does K.-stuff. Maureen calls, I pause the movie, and we chat. After I explain that we've already given Jason everything on the list (with the exception of possibly A.'s driver's license) just a few weeks prior, she says she'll get Jason to fax the stuff to her. She'll contact me if there's anything else she needs. Cool.
On March 1 we get a duplicate letter from Maureen (minus the business card) via USPS, which I file along with the first one.
And that brings us to the email from Jason last night.
They had requested the three most recent bank statements from two different banks (actually credit unions, but whatever). Bank 1: On February 8 we gave them print-outs of October 2007, November 2007, December 2007. January 2008 had yet to be released at that time. I can now provide them with the bank statement for January 2008. February 2008 has yet to be released. Bank 2: On February 8 we gave them statements for October 2007 and November 2007, and duplicate statements for December 2007 (I never got it in the mail) and January 2008 (it hadn't come in the mail yet, but the people at that bank like me and gave me a copy). I... think... I got January's statement in the mail, and February's has yet to come.
They asked for w2s for the past two years. On February 8 we provided them with w2s and tax returns for 2005 and 2006. We also provided w2s for 2007. The only way I could possibly make this more up-to-date would be to add the printed tax return for 2007... something they never asked for.
They asked for A.'s Certificate of Eligibility from the VA. We provided it on the 8th. They kept the original and sent us back a copy. There's nothing I can do to update that.
They asked for his DD-214 (release form from Navy). We provided it on the 8th. Nothing to update there.
They asked for his most recent pay-stub. We provided the stub dated 1/31/08. The only thing I can do to update that is send the one dated 2/29/08... when I finally get it.
So, the only new information they'd be getting would be the January 2008 statement from Bank 1 and a pay-stub.
Now, I realize that I'm just a simple housewife without much of an education and largely ignorant when it comes to a lot of things involving the "real world", but this just doesn't seem right. If Jason already has all this information, why do I need to provide it again? I understand that maybe he didn't pass it on to Maureen, but why is he saying it's all out of date?
On the 26th A. gets an email asking him about his military background and status (....again, it's IN THE PAPERWORK I SENT OVER) and on the 27th an email letting him know who the processor assigned to our loan is and that she may be contacting us for further information.
Um. Ok.
On February 29 we get a letter via USPS from Maureen (the processor) requesting original documents of EVERY SINGLE ONE OF THE DOCUMENTS WE'VE ALREADY SUBMITTED to Jason. Irritated and confused by this, I call her office, leave a message and settle in to watch a movie while A. takes a nap and K. does K.-stuff. Maureen calls, I pause the movie, and we chat. After I explain that we've already given Jason everything on the list (with the exception of possibly A.'s driver's license) just a few weeks prior, she says she'll get Jason to fax the stuff to her. She'll contact me if there's anything else she needs. Cool.
On March 1 we get a duplicate letter from Maureen (minus the business card) via USPS, which I file along with the first one.
And that brings us to the email from Jason last night.
They had requested the three most recent bank statements from two different banks (actually credit unions, but whatever). Bank 1: On February 8 we gave them print-outs of October 2007, November 2007, December 2007. January 2008 had yet to be released at that time. I can now provide them with the bank statement for January 2008. February 2008 has yet to be released. Bank 2: On February 8 we gave them statements for October 2007 and November 2007, and duplicate statements for December 2007 (I never got it in the mail) and January 2008 (it hadn't come in the mail yet, but the people at that bank like me and gave me a copy). I... think... I got January's statement in the mail, and February's has yet to come.
They asked for w2s for the past two years. On February 8 we provided them with w2s and tax returns for 2005 and 2006. We also provided w2s for 2007. The only way I could possibly make this more up-to-date would be to add the printed tax return for 2007... something they never asked for.
They asked for A.'s Certificate of Eligibility from the VA. We provided it on the 8th. They kept the original and sent us back a copy. There's nothing I can do to update that.
They asked for his DD-214 (release form from Navy). We provided it on the 8th. Nothing to update there.
They asked for his most recent pay-stub. We provided the stub dated 1/31/08. The only thing I can do to update that is send the one dated 2/29/08... when I finally get it.
So, the only new information they'd be getting would be the January 2008 statement from Bank 1 and a pay-stub.
Now, I realize that I'm just a simple housewife without much of an education and largely ignorant when it comes to a lot of things involving the "real world", but this just doesn't seem right. If Jason already has all this information, why do I need to provide it again? I understand that maybe he didn't pass it on to Maureen, but why is he saying it's all out of date?
