Dundiit
Phoenix,#2REBUTTAL Individual responds
Sun, November 03, 2013
Buying a home is the first and imprtant dream of everyy single American. It is a dream that is significant to everyone regardless of thier income whether they are rich or low income. It does not matter how much you have into your account or what position you're holding, the only important thing is your own decission when you decide to buy a home and start to live independently.
The dream that all American have is such impartant dream that no one would ever think of taking it away from any one. The US federal and state governemnts always stood firm by the Low Income US families who struggled financially to improve their life.
The government provides subsidy programs to assist those who need it. The Taylor Morrison Company will not accept these government subsidy, which making it hard on a low income home buyers who has chance to qualify for government assistant first time home buyers programs.
To come to the point, let me start by informing those who are looking toward buying a home through Taylor Morrison company, especially the LOW INCOME families to watch out very carefully with this company's guildelines and procesures.
My experience with Taylor Morrison is very hassle, and a heart breaking. Myself and my wife has long been wanting to buy a home for our family. However, our credit scores was not that great. In 2012, we started to built our credits to the point where we could not even realized our credits has jumped upto 800 Score points. When we found out about our healthy credit reports, we were so excited and start to shop for a home. We went through many various building companies, looking through their models and having conversations with their sale persons. Mywife and I fall in love with one of the Taylor Morrison's model, and we choosed the model for our new dream home.
We started the process with one of their sale persons, and then he transfered us to one of his loan consultant to work with us.
While we are in the process, the consultant kept telling us that the home is ours and we will definetly qualify. We had our walking and closing days scheduled Late September 2013. Right after we walk through the home, we were told that the last thing that we need to do toward closing days is to provide my last two months bank statements, and my paystubs to do the last verification for our income. I did sent the documents to them and the loan consultant confirmed that he received the documents. Two days latter, the loan Consultant emailed me and requesting for my last month bank statement.
I asked him whether it is the same one I just sent to him two days ago, or which one he needed. He told me he need the last months bank statement. I went to my bank and get the bank statement and sent it to him again. Two days before my closing day, I received a call from a person who introduced herself as credit agent for Taylor Morrison Company, and she would like to talk to me regarding my student loan. I aware her that I did provided my student loan paper works to my loan consultant and if she want to get the information I can provide it to her. The lady has all my information including my date of birth, social security and full name, but I was surprise because no one notify me of such person.
One hour later, my loan consultant send me an email with conference number that he said to be the people for my student loan payment check up. When I call him and infomed him that some lady called me and asked to talk to me regarding my student loan, the man apologized to me, and encouraged me to call the lady back right a way. Now, I have one day left for closing. Early in the morning of my closing day, a different lady called me from Florida asking to talk to me regarding my student loan. I told her that I am confused and I just need to talk to one person in stead. She finaly get me connected to another women in California, and the one in California connected the conference with a different lady in the background who has all of my information, believed to be an employees of the credit burreau. We talked, and she told the other lady how much my student loan payment may be after deferement.
The lady from Florida told me that she is sending my report to the underwriter, and will call me back before the end of the day today to tell me the result from the underwriter. The day passed, and she never called me back. I sent email to my original loan consultant, and he told me that there is problem with my student loan payment, and make it difficult to get me approved. I provided them wih my student loan paperwork back in May, and it was not an issue. My loan consultant finally told me that I was denied a loan, and he will help me find a different lender instead. I am advising those who need to buy home from Taylor Morrison to know what their loan consultants need before the put their home into the home, because they will disqualified you at the last minute and break your heart so badly.
Best. D. Dundiit.