I received one last phone call from another representative wanting to offer me yet another loan. I wanted nothing more to do with Quicken Loans, except, to get my deposit returned. At this point I was furious with everyone involved. In essence, I had to take any loan that Quicken could offer, good or bad, or never see my deposit again. Then again I was offered another loan with higher fees/interest rate which I declined. I thought this was odd in light that I had already been refused, but I again e-signed contracts for this new loan. I was then offered another loan that had the same rates as the first loan. As it was not in my best interest, I declined. I was offered another loan with higher fees/interest rate. I was turned down on that first loan contract. They determined that I had to add my new husband as a co-signer. I faxed, I emailed, I mailed, I documented, I spoke with countless individuals. I was pre-approved, contract e-signed, Good Faith deposit applied to my credit card, and the nightmare began. When I contacted Quicken Loans, I explained my self-employment status with low income and the representative assured me that it would not be a problem. In the past, my loans have been “no-docs.” My credit rating is excellent and my cash flow good as verified by my bank statements. My accountant utilizes the appropriate deductions, etc., with the resulting bottom line being very nominal for tax purposes. Now as a self-employed individual, I don’t show much income. This home represents a personal triumph for me as it was the first home I bought all on my own, with my own credit and income. I bought this home nine years ago after my divorce. I am an older woman, semi-retired graphic artist who works from home. In June of 2009, I contacted Quicken for a simple refinance of my present home. all of that plus the purchase price need to decrease about $20, 000 then its approved Read full review of Quicken Loans like even with a co-borrower their score also have to be at least 620 and have to be a relative and have to live with you in the purchased home. now she making up all these lies to make me believe it wasnt a scam in the beginning. she received a certification letter of the taxes being $1000 more then told in the beginning. Then 5 days later (after the check cleared) all of a sudden my taxes is the reason i am not approved for the loan. all of a sudden the communication was scarce, another person start calling in place of her claiming to be a client customer care(which stop all communication with the loan agent). she still said i qualify and requested $400 to ensure that i will complete the loan with her. she asked for the taxes on the home and i gave them to her. prior to those papers being signed, i required accurate number and lock my rates. then she ran my credit tthen sent my a pre-approval letter. Upon calling eileeen tetz says she can see from my income and the purchase price that i would be approved.
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