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Presson
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posted 25 September 2007 00:40 CET
Elite Communities complaint |
Mike Coffman
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posted 18 September 2007 16:15 CET
We have a seven year old KB Home home in south Arlington, Texas. We have been through several episodes of settling resulting in the installation of peirs and continuous wall and paint repairs. We have, and are, experiencing sink holes around the outside foundation. We are confident the problems stem from the fact our house is built on an old homestead that had a water well(s) and septic tanks. That was evident when the plumber installing our plumbing dug up the old piping and septic tanks.
While the house has stopped sinking, the rear patio and side yard has not. KB Home in the past agreed to make repairs to the flagstone patio. Recently, two KB Home representatives have advised that higher-up have over ruled them and they can not now make the needed repairs.
Does anyone have names and addresses of KB Home "higher-ups" that can be contacted? |
Craig Winsor
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posted 17 September 2007 19:47 CET
still frustrated that we have been displaced since August 8, 2004.
So a video was made...
Wareham SUX video |
Anthony Ferras
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posted 14 September 2007 16:59 CET
Morrison Homes will not fix our home in Brentwood, CA. We have been in our home for over 4 years and even after writing the CEO 3 times, they still will not repair serious code violations, confirmed by the city building inspector who signed off the home and development. Defects were also confirmed by general contractors and a home inspector. Even Area Manager Marcuus Beaver and VP of Construction Chuck Chamberlain agreed that the repairs were necessary. But, then they refused to make the repairs. We are stuck in a situation where the subcontractors didn't complete some jobs, some inspections were pencilwhipped and then Morrison's employees refused to make necessary repairs. There is currently a class action lawsuit with the development built before ours, and many of their claims are the same. Their houses were built over 6 years before. In an effort to get their homes repaired, they protested the city to stop building our development to make Morrison fix the existing homes that were under warranty. I have written the BBB, DCA, Construction Labor Board, Department of Real Estate, Homeowners Consumer Center, Foundation of Taxpayers and Consumers Rights. Does anyone police the homebuilders? |
Sylvia Jacobson
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posted 14 September 2007 16:20 CET
I am having truss problems, inadequate drainage problems ( the water is pulling my house apart), and expansive soil problems.
Lennar Corp sold me a home without disclosing that the soil was unstable. |
Fred Griffin
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posted 10 September 2007 15:28 CET
(Excerpt from communication with Capital Pacific Homes of Arizona)
Can we please get someone from Capital Pacific Homes to respond to this matter?
======================
Sent Fri 8/3/2007 1:24 PM (No response)
Kay Raber:
Can we get a status on this? Next Monday will be week 2 without any word from CAPITAL PACIFIC HOMES on this issue –
======================
Sent Wed 8/1/2007 3:15 PM (No response)
Josh Grabek:
To follow-up with your visit last week, here is where we stand:
We did not refuse the work to fix the major structural issue with beam that’s causing the 1½ inches+ uneven flooring in the upstairs loft, what I said is that I want the issue fixed correctly and not repaired by this work-around option called the ‘liquid floating’ repair with concrete. You are trying to mask a lager problem here with the way this house was initially framed and built – and as for the same issue in our Master Bedroom and Bath you implicitly told us that would not be fixed by CAPITAL PACIFIC HOMES and then you retracted and said you would see what your ‘higher-ups’ say can be done. We already know for a fact that the Paloma models were not framed correctly at build in the Shadow Ridge sub-division, we also know for a fact that the Paloma’s in our sub-division have or had this same issue we are having, we know for a fact you have corrected this issue with the Paloma’s at Felty Farms @Ocotillo and finally we know for a fact that the issue can be fixed without having to use this ‘liquid floating’ technique with the concrete!
There is probably a very good reason why the framing company, Lariat Construction Inc. which framed these models is now out of business – this problem was known and should have been corrected before move-in (see attached)
Also with the truss uplift and beam issues we see a lot of protrusion on the main floor of the home where the ceiling and walls meet, and you specifically told me that there was nothing you can do about it since it involves the main support beam of the home and at most you can do is to have the dry wall guy do another ‘floating’ technique to mask the protrusion. The same for the basement, the whole wall of the basement you can see where every stud is in the wall due to the protrusion and again we had 2 options – open up the ceiling and wall to fix or do the ‘floating’ technique to mask the protrusion. We DO NOT want any masking done to cover up the major structural issues in our home; we want them fixed in a professional way by a certified professional engineer!
After having signed the contract on this house in October of 2004 and to wait 20 months for your build process to finally complete, we want a permanent solution not a temporary workaround; since all of our carpet is still pulled waiting for the work to be done we have filmed on a DVD the issues with the flooring in the loft and master bath/bedroom area by measuring the unevenness with an 8ft leveler which clearly shows the beam and truss protrusion coming through the floor as well as the walls throughout the main floor and basement.
We have not filed our ROC complaint as of yet, we are holding on to it in case we need to go further with legal counsel to resolve this matter instead of going the ROC route. We require the following from CAPITAL PACIFIC HOMES ASAP:
- Please provide to us in writing the structural issue and how it will be permanently resolved (to be done and approved by a Structural Engineer)
- Before starting the work obtain the necessary building permit and schedule post inspection from the City of Chandler
Thanks and regards,
______________
Carabella @Shadow Ridge |
Craig Winsor
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posted 29 August 2007 21:01 CET
Still Living in a hotel.
Displaced since August 8, 2004.
This is the most unreal nightmare.
Wareham Development |
Ripped Off
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posted 26 August 2007 01:32 CET
Sorry for the bad link previously, but here is a better link.
ocregister.com/ocregister/money/housing/article_1578593.php
Resmae had to file for bankruptcy for their dirty deeds. They knew what they were doing and causing home owners to suffer and now banks. The big guy doesn't want to listen to the little guy complaining. Well, I bet now they hear loud and clear now. I told FTC.gov, Freddie Mae, BBB.org, and Indiana State Securities. No one would listen to me. I guess I was Chicken Little telling them the sky was falling. It was stated in the last sentence of my previous post that the bank (America's Servicing Company) would have to go after Resmae Mortgage for fraud. They did eventually, but too late. I suppose when I bought the house that I don't feel too bad being defrauded as all those big banks were defrauded and can't do anything to get Resmae to buy back because their con game is that good. Citadel made the mistake and bought them out.
Here is another link to paste in your browser.
mortgageloanplace.com/blog/2007/03/01/banks-try-to-return-risky-loans-to-originators/
larouchepub.com/eiw/public/2007/2007_30-39/2007-33/pdf/26-29_732.pdf |
Real Estate Business Criminals
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posted 26 August 2007 00:38 CET
This is the letter I wrote to America's Servicing Company which is owned by Wells Fargo. I lost it seems in this case, but perhaps this will notify the public that not just one entity participated in the scam to sell me the house. Beware of Wells Fargo, America's Servicing Company, Resmae Mortgage bought by Citadel, Guaranteed Mortgage, McColly, American Family Insurance and Certified Real Estate Appraisers. This is a true story. Learn from this to keep from becoming prey in a Real Estate transaction. No private lawyer would take my case and so far Indiana Secretary of State Division of Securities have not come to my aid in resolving this matter. It is still open from May 2006. I was refused by ASC to sell the home in the end and it went to sheriff's sale.
(One small victory, Resmae went bankrupt and busted Feb 2007. They sold all those bad subprime mortgages to banks and then the banks turned back on Resmae forcing them to buy them back. I suppose I let one little bank in on a secret and that may have sparked a fire. It's in the last paragraph below.)
Check out this link. http://www.larouchepub.com/eiw/public/2007/2007_30-39/2007-33/pdf/26-29_732.pdf />------------------------------------------
July 20, 2006
Amercia’s Servicing Company
Attn: Stephanie Santi
MAC X2302-02J
1 Home Campus
Des Moines, IA 50328
Dear Stephanie Santi,
I am responding to ASC correspondence dated July 10, 2006 regarding my mortgage loan.
In regards to our phone conversation you said that I signed 3 loan applications each showing an added job each time. However, you submitted the loan applications I signed at closing which shows the 2 loan applications for the 80/20 loan that were completed by Tirzah Rodriguez aka Trecy Marrero or her manager, Tameka Clark with the same false employment information that was unknown to me. Although I did finally figure out what you meant by 3 loan applications as when I submitted a complaint against ResMae Mortgage with the Better Business Bureau, ResMae said that there were three 1003s signed by me. When you said I signed 3 different loan applications each time with added job information I did not believe you as I know I didn’t sign 3 different loan applications which is why I requested proof of what I signed. However, I realize you meant three 1003s in which I know I did not sign 1003 verifying each place of employment. I would have known better than to sign three as I only have two jobs. There weren’t any 1003 copies in my closing documents. So if you have the 1003 you would know that in comparison with the signatures, the signatures on the three 1003s does not match my signature on the loan application. You must have confused your terminology when you were speaking with me which almost made me seem like I was lying. I know I signed the Uniform Residential Loan Application that was submitted by the title agent at the time of closing, but you were saying I signed 3 different loan applications each time with added job information in which now I know you must only mean the three 1003s. I am very serious about this fraud committed against me.
I have taken the necessary and appropriate actions for reporting and prosecuting for fraud that was committed against me by ResMae Mortgage, the originating mortgage company and Guaranteed Mortgage, the loan broker company that services customers by finding mortgage loans companies and completing mortgage loan applications. As I said before, I did not sign any loan application for verification prior to the day of closing on January 17, 2006. I have enclosed documents and information explaining various points of the loan application that are untrue and that were unknown to me even at the time of closing as the process of closing was a bit rushed and I was alone with the title company and no other parties. I also enclosed the appraisal documentation of BNC Mortgage reviews of the appraisal report which shows an appraisal not in compliance with appraisal regulations. I got these faxed from the Indiana Secretary of State Division of Securities at my request. I previously kept asking for these documents which Tameka Clark and Tirzah Rodriguez aka Trecy Marrero refused to give me my appraisal documents or any copies thereof. So the appraisal on the property of $154,000 is a bad appraisal. I paid the appraisal company that was found by Guaranteed Mortgage with a check that I submitted to my real estate agent, Nicole Vazquez who in turn gave the check to Guarantee Mortgage. I never met, nor spoken, nor have I ever known the appraiser or the appraisal company.
On another note, I thought you should know how responsible and fraudulent ResMae Mortgage is as they responded to my BBB complaint stating that they never received a Loan Origination Fee and that the only fee they received was the Underwriting Loan Fee when it clearly shows they received a 2.5% fee of the 123,000 loan in which the cost was enrolled into the closing costs. If the title company, Ticor Title did not cut a check or wire the loan origination fee to ResMae Mortgage then Ticor Title committed fraud for misinformation on the loan application.
I also have included yet another fraud committed against me with the insurance company at which the listed the home owner’s insurance at only $545 for the full year. Some time later after the closing, American Family Insurance billed me for the remaining balance of the home owner’s insurance. I called them and told them that they were mistaken about the bill as I had the insurance escrowed into the loan payment. I was told by an agent of American Family Insurance that is located next door to Guaranteed Mortgage that it was a favor for Tirzah Rodriguez aka Trecy Marrero of Guaranteed Mortgage to get me approved for the mortgage loan. The agent told me that she literally had to lie to get me approved or my mortgage loan application would not have gone through because of my debt-to-income ratio. The grand total of the home owner’s insurance as their bill stated is $1036 and they have me paying a remaining balance of $491 in which I’m making the minimum payments on the remaining balance. This in itself would consider the contract void if I had no knowledge of being billed for more homeowner’s insurance than what was listed on the loan application that I had no knowledge of at all until about a month or two later.
In conclusion, I am the reluctant victim as I must have bought a house during a time that was considered a “Buyer’s Market”. This must have made alot agents antsy for money regardless of who they defraud as I was constantly told by my realtor, Nicole Vazquez of McColly that she andI would be sued by the sellers if we did not go through with the closing. I am very sorry that I met this realtor and that this fraud has happened to me. I am also very sympathetic that ResMae Mortgage Corporation sold the 80/20 mortgage loans to America’s Servicing Company. I would not have signed if I was aware of false information. I’ve had so much fraud committed against me this transaction from various parties, all assumingly but the sellers that I am confounded, stressed, and very upset that they would take away my financial stability. I have not given any false information to Tirzah Rodriguez or Tameka Clark of Guaranteed Mortgage or ResMae Mortgage Corp and I have not requested any parties to lie on my behalf. This has caused me to be very untrusting of a lot of companies requesting information from me. On July 18, 2006, ResMae Mortgage Corp called my place of work asking for post-closing employment verification for quality control. I do not recall them asking for employment verification prior to the closing on the house. Why would ResMae request employment verification prior to the closing on the house?
Also, I recently found out from my former landlord that “Trecy Marrero” of Guaranteed Mortgage said I rented his property for $650 a month from 3/1/0 1 under a company called Property Manager, JPM Services, 6770 Broadway. Deidre Jones of Property Manager supposedly confirmed this information. I don’t even know this company 1PM Services nor do I know Deidre Jones. I rented my former residence from a person that is not even mentioned in this letter and I definitely did not have a rental agreement with JPM Services. My rent was never $650 nor any where near $650. I also did not start renting with my former landlord on 3/1/0 1 as I started renting with my former landlord in September 2000. Apparently ResMae mortgage verbally verified this information on 1/6/06 with Deidre Jones at 219-985-8713. Then to the “Request For Verification of Rent or Mortgage” ResMae attached a letter of “Borrower’s Certification & Authorization” that has my signature. Like I said, I never signed any documents or applications for ResMae mortgage outside of the closing on the house on 1/17/06. So they took the “Borrower’s Certification & Authorization” that isn’t dated as it did not request a date to the “Request For Verification Of Rent Or Mortgage” as if I knew about this phony document. I had no knowledge of this phony verification of rent or mortgage document. I had to explain to my former landlord that I had fraud committed against me and that I had no knowledge of this request for rent or mortgage form and that the “Borrower’s Certification & Authorization” was signed only at closing on the house I bought which was undated because it didn’t have a date field and I was not told to do so by the title agent. This whole fabrication goes deeper than I thought. I never met any of these people of Guaranteed Mortgage or 1PM Services. I never spoke with 1PM Services or Deidre Jones. I only spoke with “Trecy Marrero” aka Tirzah Rodriguez and Tameka Clark of Guaranteed Mortgage by phone. I am very upset about this situation and now I have a defaulted mortgage with ASC and on my credit report. Outside of reporting ResMae Mortgage Corp to the Better Business Bureau, I also reported Guarantee Mortgage to the Better Business Bureau as well as with the Indiana Secretary of State Division of Securities (regulators of loan brokers). The investigation with Indiana Secretary of State Division of Securities is still ongoing.
America’s Servicing Company will have to go after ResMae Mortgage Corp who knowingly committed loan fraud for a profit without my knowledge and selling to America’s Servicing Company, Guaranteed Mortgage for falsifying income and gathering con artists to participate without my knowledge, Thomas Serratore of Certified Real Estate Appraisers for not complying with appraisal regulations without my knowledge, JPM Services or Deidre Jones for pretending to be a landlord or landlord company that serviced my rental agreement without my knowledge, American Family Insurance for escrowing only part of the insurance payment instead of the full payment to get me to qualify for the mortgage loan and Nicole Vazquez of McColly for loan broker steering and threatening lawsuit by sellers against herself and myself if the real estate transaction did not go through.
Sincerely,
Ripped Off |
Marco
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posted 23 August 2007 09:37 CET
I fall victim to Beazer Homes’ representative deceptive tactics, I was pre-qualified on the spot and a few days later, I signed a contract and gave them a $ 40k deposit. A week later, I went to their office in Columbia, Maryland with all my income paperwork to submit a loan application only to find out from Beazer loan advisor that I could not qualify for the loan based on my income and the price of the home I wanted to purchase. A few days later, I received a phone call from the sales representative to inform me that Beazer decided to terminate the contract and that I needed to bring back the new purchase home kit they have issued me in order to get my deposit back. About a week later, I received another phone call from the sales representative to ask me if I wanted to continue with the contract as Beazer had a loan program under which I could be qualified based on my income, I regret to say that I accepted their offer and that unfortunately I signed a contract that had no contingency upon selling my current home nor getting qualify for financing. The time to close with Beazer came and I had not being able to sell my current home nor do I have the money to come up with the 20% required to close on the new house. I requested an extension on the closing date but Beazer Homes Sales manager denied my request and they send me a letter to inform that have declared me on default of the contract and to let me know me that Beazer is keeping my $ 40K deposit. Furthermore, the purpose of the letter they sent is not just to inform of their decision but also to intimate me by letting me know that they may seek further damages demands.
The 40k deposit I gave them came from my equity line of credit and now I am stock with an additional $ 600+ monthly payment and my wife and I are totally stressed out and we are suffering a great deal a we feel Beazer's representative intentionally deceived us into this nightmare.
I know there are other fellow citizens that are facing similar circumstances with Beazer and I wonder if they have been able to resolve their situation in a favorable way.
Mark |
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