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      Escrow Amounts Collected

      What is the name of your state? NV I know that lenders are only allowed a certain amount to be held in escrow. My question is, is it their responsibility to keep track of these amounts and adjust them or issue refunds when necessary? Our company only pays out $930 total on our behalf in taxes...
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      Changing Mortgage Closing Terms

      What is the name of your state? Nevada Last year Countrywide bought our loan from another company. In our closing documents, Section 5, it explains the Annual Maintenance Fee. It states it is $100 per year, unless two conditions are met, then it is waived. The conditions are maintaining a...
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      Any Laws Governing HOA Board Members?

      What is the name of your state? NV I am on my HOA Board and wondered if there are any kind of laws that regulate Board members? I know you can vote them off as an option. But on our Board, we have a President who just does whatever he wants. We will get together and officially vote on topics...
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      New Mortgage Co. Fees

      What is the name of your state? NV We have 2 loans on for our mortgage. On the 2nd smaller one it was sold soon after we closed, from Americorp to Countrywide Home Loans. We of course did not agree to this, they just sold it. Now Countrywide is adding on extra fees such as a $75 annual...
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      Escrow for Homeowner's Insurance?

      What is the name of your state? NV Our loan has been sold about 5 times in the year we've had it. The current co., America's Servicing Co who are known to be basically rip-off artists, sent us a letter stating they have no proof we have homeowner's insurance. Which is outrageous b/c the loan...
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      Escrow Payments

      What is the name of your state? NV I don't know if everyone's escrow is the same, but ours goes thru the end of June. We overpaid by about $700. I called the mortgage servicer, America's Servicing Co. who have a very unreliable reputation, and was told it was paid in July. That supposedly...
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      Assigned Parking Spots

      What is the name of your state?What is the name of your state?What is the name of your state?NV Hello. We are living in a condo complex that is being renovated, thru the end of summer. We have ONE assigned spot by our unit that is legally in our deed and closing papers, that is the only...
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      2nd Mortgage Still Not Sold = No Payment Due?

      What is the name of your state?What is the name of your state?What is the name of your state?NV Hello, for our mortgage we have 2 loans. During signing we had to sign that it was ok for the company, Americorp, to sell both loans. The higher one is sold and fine. For the lesser one we...
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      Changing Loan Terms Month AFTER Signing?

      NV Hello, we've had absolutely nothing but bad service and dishonesty since starting our condo buying adventure. Please see my previous posts for examples. Anyway, we got 2 loans for our condo, the one for $105,000 is a fixed for 3 years, then adjustable for 27 years. We signed the papers...
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      Bait and Switch? - Rate Hike at Signing

      What is the name of your state? NV Hello, we went to a mortgage broker to finance our condo. She chose to do 2 loans saying it would save us $ in the long run. At the initial meeting we were quoted $110,000 at 6% and $45,000 at 6.75%. She said they were fixed rates. There was no talk of...

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