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| - If you have a choice, do not go with this mortgage company. I bought my home a year ago and my mortgage was sold to Roundpoint immediately on a 30 year fixed conventional loan. The previous owner of my home had lived there since 1965, and knowing that the property taxes would be reassessed and adjusted upon the sale, I decided to wait on impounding my monthly mortgage payment with my taxes. I paid the first installment of my secured taxes and then contacted Roundpoint at the end of October to request my account be impounded.
Knowing that I had tax payments coming up in December, it made me nervous that it took Roundpoint so long to respond to my request. Throughout this process, I continued to contact Roundpoint through their online messaging system and over the phone until I received a response on 11/16 that my requests was being honored, and they disbursed payment to my county taxes a week before they were due. HOWEVER, it was only after that disbursement that I received a mail notice with escrow analysis and new monthly payment. The numbers for the escrow shortage and new monthly payment seemed to match what my mortgage broker estimated it would be. BUT a couple weeks later I received a new escrow analysis with dramatically higher numbers than anticipated. This compelled me to do the calculations myself, and any way I sliced it, it didn't add up to paying a new monthly payment of nearly 3 times the amount of my originally mortgage payment.
This conflict led to a series of phone call conversations with customer service day-after-day, week-after-week until they sent me a third escrow analysis that was right in between the reasonable analysis and the outrageous one, but still over by $1700 for the estimated taxes. At this point, I decided to send in the form to request to close my escrow account and deal with paying my taxes myself. Roundpoint received my request on 1/25 and sent me a notice in the mail indicating they will give me a response within 30 days. In the meantime, I'm still required to make my February monthly payment which was $1700 over my original mortgage payment until the adjusted payment in April, a -$400 adjustment.
Again, after a series of phone calls and conversations to customer service representatives, I learn that my escrow removal request has initially been denied due to an alleged delinquent tax bill that Roundpoint paid on my behalf. I just got off the phone with my county property tax office, who confirmed that the delinquent tax bill Roundpoint insisted they paid was actually paid by the estate of the previous owners and was not my bill to pay in the first place!
I am now preparing to call Roundpoint again with this new information in hopes that I could finally settle this matter once and for all. Getting a company to do their job correctly should not require me to spend so many hours on the phone with them before work, during my lunch break, and then again after work!!!
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