Complaint Review: Home Trust Bank - Nationwide

 Hi. Thanks for sharing your story. I did not put details on here but Home Trust Messed with us for Two days one on closing the 2nd was when my mortgage officer told me to ask for a day extension as he promised money would be there by noon. Well that never happened. At 4 pm the next day there were still conflicts with home trust and I could not take the stress any longer so I told my lawyer to go ahead and use our private funds and close the deal and that home trust had already violated the agreement by not sending the loan money to our lawyer and that we would no longer need the funds. Home Trust Mortgage Officers are criminals we went thru the same when it came to hiking the monthly payment up and holding on to 3000$ of our mortgage funds up front. The other issue was that the mortgage company we used we also had to give him from our funds his commission of $2500. Every person we dealt with were crooks and heartless shark. I wish some of those brokers and officers experience karma and be in the position we were put in. I wrote my experience on here to warn people not to get involved with HOME TRUST for a mortgage as they will become Hell Trust and take you straight to hell!

Hello Original Author.  

You are lucky you had a bad representative at the beginning.  It could have been much worse if you became a Home Trust client, as I did.  Home Trust overcharged me, never explained how extra charges were calculated and tried to evict me from my house.  I even have proof that I overpaid.  The company would not even look at it.

Many more clients had the same experience.

I would like to ask you something though....

As much as I dislike Home Trust, how do you know that Home Trust was responsible for what happened to you?

The situation you describe happens all the time with Mortgage Brokers.

The Broker says, "Don't worry, everything is approved.  You just need to sign these papers...."

The following things have happened to ME at the last minute:

• The interest rate, which had been confirmed for 6 weeks, suddenly increased
• My income was no longer considered high enough and I was told I needed a 2nd Mortgage at a higher interest rate
• The day before closing, the Broker claimed the original Lender's Senior Management did not approve my mortgage (even though the deal was "confirmed" for a month).  The Broker had to "scramble" to find me another Lender.  "Luckily" they found a Private Lender... higher interest rate and insane fees.  I had no choice but to agree.  
• When I went in person to sign papers, the amounts were different than the amounts on the papers I was emailed.  The Broker tried to rush me through signing and I didn't realize until I looked at the paperwork after that the interest rate had been changed.
• Documents I signed had additional conditions added to them AFTER I signed them.

I dealt with what I thought was a very reputable Mortgage Broker Company.  So I am just saying, if your final loan was through the same Broker and it cost you more, that is a possibility.

I would really like to speak with you more about your experience.  We cannot give information through this site; however, there is a Twitter page for people who post about Home Trust.  It is $HCG (that stands for Home Capital Group, the parent company).  If you tweet Rip Off Report to the username I use here, I should be able to reply to you that way with more information since most people use real information on Twitter.

If that doesn't work, or if you don't want to contact me, you can leave a comment here.... but it's not a problem.

Thanks for posting.  The more people who expose Home Trust, the better!

XHTClient

 Kam Singh has only worked for Home Trust for six months as we can see she can not even hang on to a job according to her linkedin profile. She acts like she owns Home Trust. Home Trust and there loan officers play games with families who apply for mortgages they take a ton of your loan money as fees pending and before you know your monthly payment is not what you were told it's fifty percent higher! Home Trust and loan officers such as Kam Singh treat you like second class citizen and will try to destroy the sale of a property you may want and they will do it on the day of closing it's really really sad that this is going on and why the CEO of Home Trust. Gerald Soloway is allowing this to continue! Kam Singh should be fired and should never work as a mortgage officer she is a cold hearted b-t who has no sympathy for good families applying for a mortgage.

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Kam Singh if you look in her LinkedIn profile she has not been able to hang on to job for more then a few years she just started working at home trust and apparently her judgement of character does not exist she has no morals if those who get a mortgage thru home trust and are told have been approved and then the day of closing are denied without any hesitation truly have no compassion we could have lost the deal we got on our purchase but our private savings saved us because home trust and the pathetic evil heartless kam singh at the very last minute rejected our mortgage even when we were told we were approved.

Kam Singh should be fired for messing with people's lives leading them on. I am hoping someone from home trust oversees how there mortgage officers are and really clean up there act. There are many good families out there who do pay there mortgages and as fas as I am concerned I will never recommend home heartless trust to anyone until they fire loan officers with a chip on there shoulders messing with families lively hood and there purchases all the Kam Singhs need to be removed from Home Trust . Do not ever get your mortgage from them you will have sleepless nights and end up paying a lot more then you think