Mortgage -- Trouble during payment process -- Complaint #4616721
Complaint Overview
Complaint ID: 4616721
Company: Amerifirst Financial Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Florida
ZIP Code: 34683
Date Received: 2021-08-09T12:00:00-05:00
Date Sent to Company: 2021-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sorry, I didn't see any drop down selection for a complaint related to PMI waiver under the HPA. I called my mortgage servicer, Amerifirst Home Mortgage, on XX/XX/21 to ask them to commence a PMI waiver. They asked me to provide a list of improvements made since I purchased that property a year ago. I asked them to confirm if they needed receipts or other documentation. They said no. A few days later on XX/XX/21 I received a canned email saying they got my list of improvements and that I should call them again to pay for the BPO / Appraisal. When I called on XXXX they said they would not order the BPO / Appraisal until I submitted itemized receipts for the improvements. Per discussion with the manager, they said this was a requirement from XXXX / XXXX. Per the provisions of the HPA I don't see any reference to these additional requirements to obtain the BPO / Appraisal.
Frequently Asked Questions
What is Complaint #4616721 about?
Complaint #4616721 was filed against Amerifirst Financial Corporation regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-08-09T12:00:00-05:00.
How did Amerifirst Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Amerifirst Financial Corporation?
Yes, visit the Amerifirst Financial Corporation company profile at readthecomplaint.com/company/amerifirst-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.