Mortgage servicers delay partial lien release requests for months
Homeowners requesting a partial release of lien to sell part of their property face multi-month delays and poor communication from mortgage servicers, jeopardizing pending sales even when the loan is low-risk.
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Similar Problems
surfaced semanticallyMortgage servicers delay subordination paperwork, causing refinance rate locks to repeatedly expire
Borrowers refinancing report mortgage servicers failing to respond to subordination requests needed to close, despite repeated follow-up calls. The delays cause rate locks to expire, forcing borrowers to re-lock at higher rates or pay extension fees.
Mortgage Loan Assumption Stalled for a Year with No Communication
Loan assumption requests at Lakeview took nearly a year with no status updates, forcing borrowers to pay attorney and deed transfer fees for extended timelines. Servicer negligence in loan assumption processing is a pattern across the industry.
Mortgage Servicer Ignores Qualified Written Request Under RESPA
The consumer submitted a Qualified Written Request to their mortgage servicer twice. Shellpoint has not responded appropriately as required by RESPA. Borrowers have no practical enforcement mechanism when servicers ignore statutory response obligations.
Mortgage servicer unresponsive to short sale applications for years
A homeowner with an underwater property spent over 100 hours on calls with Freedom Mortgage since 2020, repeatedly resubmitting short sale applications and financial documentation, with no progress. The servicer's failure to process the application leaves the borrower in a deadlock that prevents a market resolution and perpetuates financial distress.
Mortgage Servicers Are Completely Unreachable by Phone or Email for Account Issues
Shellpoint Mortgage Servicing cannot be reached through any contact channel for borrowers needing to resolve account issues. The servicer s inaccessibility forces borrowers to escalate to regulators for basic account management. Loan servicer accountability requires the servicer to be reachable, a basic standard that is not enforced.
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