Complaint Review: EARTH MORTGAGE - Frank Cortese - David Stahl - Carrollton Texas

I actually take the time to answer these claims because I believe that you the public MUST REALLY know what is going on. This client claimed their home was worth $150,000 more than the appraised value. Simple Put They got pissed off at Earth MOrtgage for the low value and their rate changed due to the higher LTV. Please do not believe everything that you read!

Frank, I know this isn't the first complaint you've heard about deceptive practices within your shop. How you can stand here and call the end customer a liar, without knowing what was said on he phone is completely beyond me. My experience echos the experience of the above consumer - WAY late to close, not due to consumer or 3rd party issues, promises to pay any associated fees that might be generated by that the time overrun that aren't followed up on. I know and can that such was my experience. You know that consumers get locked in towards the end of a close date and often are out of options. Consumers - do your homework with this company.. They may do may legitmate services, but there is a history of deceptive complaints. Don't believe *anything*

Public Read this insanity, these people have issues. They made up lies and they are wrong. I also have paperwork that proves they both misrepresented the entire value. I never fight with clients, I usually just resolve MINOR issues. They have gone to far, we wasted many hours laboring over this mortgage and I wish I just had Earth Mortgage walk away! I feel for the mortgage company that has to deal with you in the future! Have a good life and STOP misrepresenting your PROPERTY!

Guys, We're done with this bull. We have reported you to the FEDERAL TRADE COMMISSION and realized you have already been reported before on various occasions. I am personally shocked (although I shouldn't be) to read what the two of you have written here. You are making everything up to save your *ss. I hope you can sleep at night! ATTENTION: ANY OTHER CONSUMERS who wish to obtain documentation that proves every point we have made in this RIP OFF COMPLAINT ABOUT EARTH MORTGAGE, please feel free to contact me. Send your inquiry to: (((ROR REDACTED EMAIL FOR SECURITY PURPOSES))) We have countless e-mails from Frank Cortese and Dave Stahl, all of which will prove that we were honest from the start and we were SCREWED by EARTH MORTGAGE in the end, EXACTLY as Meridian Mortgage said we would be! I will be HAPPY to fax or e-mail any consumer who is considering doing business with these unprofessional clowns! Save yourself the headache and go someplace else for your loan. We are professionals and upstanding citizens. We have more class than either of you can imagine having. Save your next rebuttal for the FTC, the Better Business Bureau and the Attorney General, all of which have our formal complaint and the paperwork to back it. We're done arguing with two clowns and a company who has absolutely no idea what "professionalism" means or how to practice it. Frank, you might want to take a class on Leadership! Cheers, Robin

WE MADE HALF OF WHAT WE WOULD OF MADE ON THIS LOAN IF THE ORIGINAL INFORMATION PROVIDED WAS CORRECT. WE SPENT 2 MONTHS TRYING TO CLOSE THIS DISASTER! I REQUESTED 3 TIMES TO REFUND THE CLIENT IF THEY WOULD GO SOMEWHERE ELSE. YOU DID A CASHOUT MORTGAGE AT OVER A 85% LOAN TO VALUE, WHEN ORIGINALLY YOU CLAIMED IT WAS LESS THAN 70%.. READERS- PLEASE CALL ANY MORTGAGE COMPANY AND ASK THEM IF THE RATE IS THE SAME FOR A 70% CAHSOUT MORTGAGE OR A 86% CASHOUT MORTGAGE. IT'S NOT, PLAIN AND SIMPLE!

We told you that we made numerous attempts to get value for your property, we wasted long hours. I have emails from you that said don't listen to your ex wife. That you just wanted to close the loan YOU LIED ABOUT YOUR CREDIT YOU LIED ABOUT YOUR HOUSE VALUE YOU ARE LYING RIGHT NOW! We told you that that we did not want to do your loan because of all the BOGUS information you provided to Earth Mortgage. I feel sorry for the next mortgage company that has to deal wyth you!!!!!!!! Mortgage Companies BEWARE!!!!!!!!!!!! This is one you need to pass on. They will lie to you and think that you are stupid, you will work your tail off for them and you will get a BOGUS write up on RIP OFF REPORT! I can provide a signed disclosure that clear shows the misrepresentation you provided us. Next time you should try honesty, it will make your life better!

We told you that we made numerous attempts to get value for your property, we wasted long hours. I have emails from you that said don't listen to your ex wife. That you just wanted to close the loan YOU LIED ABOUT YOUR CREDIT YOU LIED ABOUT YOUR HOUSE VALUE YOU ARE LYING RIGHT NOW! We told you that that we did not want to do your loan because of all the BOGUS information you provided to Earth Mortgage. I feel sorry for the next mortgage company that has to deal wyth you!!!!!!!! Mortgage Companies BEWARE!!!!!!!!!!!! This is one you need to pass on. They will lie to you and think that you are stupid, you will work your tail off for them and you will get a BOGUS write up on RIP OFF REPORT! I can provide a signed disclosure that clear shows the misrepresentation you provided us. Next time you should try honesty, it will make your life better!

We told you that we made numerous attempts to get value for your property, we wasted long hours. I have emails from you that said don't listen to your ex wife. That you just wanted to close the loan YOU LIED ABOUT YOUR CREDIT YOU LIED ABOUT YOUR HOUSE VALUE YOU ARE LYING RIGHT NOW! We told you that that we did not want to do your loan because of all the BOGUS information you provided to Earth Mortgage. I feel sorry for the next mortgage company that has to deal wyth you!!!!!!!! Mortgage Companies BEWARE!!!!!!!!!!!! This is one you need to pass on. They will lie to you and think that you are stupid, you will work your tail off for them and you will get a BOGUS write up on RIP OFF REPORT! I can provide a signed disclosure that clear shows the misrepresentation you provided us. Next time you should try honesty, it will make your life better!

We told you that we made numerous attempts to get value for your property, we wasted long hours. I have emails from you that said don't listen to your ex wife. That you just wanted to close the loan YOU LIED ABOUT YOUR CREDIT YOU LIED ABOUT YOUR HOUSE VALUE YOU ARE LYING RIGHT NOW! We told you that that we did not want to do your loan because of all the BOGUS information you provided to Earth Mortgage. I feel sorry for the next mortgage company that has to deal wyth you!!!!!!!! Mortgage Companies BEWARE!!!!!!!!!!!! This is one you need to pass on. They will lie to you and think that you are stupid, you will work your tail off for them and you will get a BOGUS write up on RIP OFF REPORT! I can provide a signed disclosure that clear shows the misrepresentation you provided us. Next time you should try honesty, it will make your life better!

Frank, Your rebuttal is a bunch of lies. My ex-wife facilitated the loan process for me while I was working a million hours. I never once apologized to you about her. That's just another lie, which you are obviously very good at. In fact, the scenario is quite the opposite of what you claim it to be. Robin worked diligently to get this loan for me so I could settle back into the house I built for my family before our divorce. Your original promise to make that work for me seemed quite unbelievable to me but I was excited when she called to tell me of Dave's insistence that he could make it work. The weak market and anticipation of a low appraisal was what concerned us the most. But Dave assured us that this was not a worry and that Earth Mortgage had appraisers with whom they had some control over and the loan would work exactly as he stated over and over to her. Instead, the loan turned into one that seemed corrupt and unreasonable. I wanted out of it and she pushed to make it happen, knowing it's what was best for me and the kids. Earth mortgage had all of my application information and credit information prior to even getting things going. So you are also lying on that note. And, neither my ex-wife nor I overestimated the home value. In fact, as I said...we told you we thought a new appraisal would come in too low. Dave assured my ex-wife and I that we didn't have to worry about that since your company has control over real estate appraisals. Again, this was a point I wasn't comfortable with and realized we were dealing with a crooked company. Frank, I hope our communications about this situation helps other consumers avoid getting screwed like we did. I'm not clear on how the federal government doesn't pick up on the Earth Mortgage's of the world sooner.

Frank, Your rebuttal is a bunch of lies. My ex-wife facilitated the loan process for me while I was working a million hours. I never once apologized to you about her. That's just another lie, which you are obviously very good at. In fact, the scenario is quite the opposite of what you claim it to be. Robin worked diligently to get this loan for me so I could settle back into the house I built for my family before our divorce. Your original promise to make that work for me seemed quite unbelievable to me but I was excited when she called to tell me of Dave's insistence that he could make it work. The weak market and anticipation of a low appraisal was what concerned us the most. But Dave assured us that this was not a worry and that Earth Mortgage had appraisers with whom they had some control over and the loan would work exactly as he stated over and over to her. Instead, the loan turned into one that seemed corrupt and unreasonable. I wanted out of it and she pushed to make it happen, knowing it's what was best for me and the kids. Earth mortgage had all of my application information and credit information prior to even getting things going. So you are also lying on that note. And, neither my ex-wife nor I overestimated the home value. In fact, as I said...we told you we thought a new appraisal would come in too low. Dave assured my ex-wife and I that we didn't have to worry about that since your company has control over real estate appraisals. Again, this was a point I wasn't comfortable with and realized we were dealing with a crooked company. Frank, I hope our communications about this situation helps other consumers avoid getting screwed like we did. I'm not clear on how the federal government doesn't pick up on the Earth Mortgage's of the world sooner.

Frank, Not only can I offer a rebuttal that will claim you are a liar, I have the paperwork-- BLACK AND WHITE-- that can prove that we were upfront about EVERYTHING on the application. I told you: 1. The house appraised at $435K last year. Dave Stahl told us we needed a $450K+ appraisal and I feared we wouldn't make that given the weak market. HIS WORDS, "I HAVE CONTROL OVER THAT, DON'T WORRY AT ALL." He told me this a number of times and in fact, I called Meridian Mortgage and told them as well. They were appalled and told me it was corrupt for a mortgage company to function this way. 2. When we called Earth Mortgage, I had a credit report of my Ex-Husbands in my hands. I knew his FICO score and all the details about his credit. Mr. Stahl knew every single detail about past credit history. 3. Duh! What are you talking about that I didn't inform you of a second mortgage on the home? First of all you insisted in drawing a credit report PRIOR to presenting a program to us! LOL You are stubbing your toes on this one Frank. The whole reason for the refi was to roll in the second mortgage, get my name off the first, which would allow my Ex-husband to live with a more comfortable payment. This point you make is not only a lie but one that is obviously making you look really bad. 4. Dave Stahl knew this wasn't anything close to a cash out! Pure lies. 5. We were NEVER offered a refund! Again, lies! 6. My Ex-husband and I are friends and he is laughing at you right now as well. He will take pleasure in posting here as a response to yet another lie Frank. And yes, you are right about one thing that I am nowhere on the new loan. My name was taken off both mortgages to make our divorce process final. Interestingly enough, Earth Mortgage never once asked to talk with my ex-husband until I expressed anger about the loan changing into something completely different than we were originally promised! The loan application was submitted by me on his behalf and it was only after my confrontation with you that you tapped into communication with him! 7. Frank, we have all the original paperwork with the promises in black and white and all the information we disclosed to you upfront, which you said we didn't disclose. How you will ever remain in business is beyond me. I hope to God that more customers see your track record on the Internet and it will all help them avoid such criminals as EARTH MORTGAGE! Hopefully all will come out in the wash with this horrendous situation. There will be further investigation of the matter because I'm not into being screwed, nor is my Ex-husband!

First of all, what she wrote show be a hollywood movie bucause it is all FALSE!!!!!!!! Unfortunately in life we all experience people that have nothing better to do than cause greif in everyones else's life. This is an EX-WIFE of one of Earth Mortgage clients. She is nowhere on the loan whatsoever. When we first started this mortgage, this lady said that she would be part of this loan she also claimed that her house was worth $100,000 more than the actual apprased value. The great thing about mortgage business is that WE ALL USE OUTSIDE CONTRACTORS to do the appraisals. We have absolutely no say whatsoever on appraisals! So 1) The house was represented to us incorrectly 2) The credit was claimed to be perfect, it is NOT! 3) She did NOT inform us of a second mortgage that was on this home as a CASH OUT! Cashouts are a completely different loan. I offered to refund the client, her EX husband insisted that we continue with the process and appoligized about his exwife. We did this mortgage even though I did not want to. There were too many different stories painted and unfortunately lying to your mortgatge company is not a smart thing to do, especially when it will be discovered. Mortgage Companies please stand clear of this client, she is BAD NEWS!