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  • I don't usually write reviews, but seeing how it's the Holiday Season, I'd like to give a gift to home buyers seeking a mortgage company/servicer. This company has caused me to lose all faith in humanity. Their ability to promptly ignore all my email inquiries is quite amazing. The only time they reach out to you is to tell you haven't paid your bills. Ironically, I always make full payments ahead of schedule and they would call me (multiple times a day) to ask about payment. Turns out, they made a series of errors that 'suspended' my payments, thus indicating I haven't paid. This automatically triggers blind calls from their representatives, which proceeds as follows: (1) call me, (2) look at my account, (3) discover they messed up, (4) don't fix it, (5) repeat for a month. Brace yourselves, this is merely the beginning of my list of their incompetencies. To anyone still reading this dissertation of a post, I'll condense the other complaints for brevity. I was led to believe my PMI would immediately drop upon exceeding the LTV threshold. Recent "changes to company policies" indicate otherwise. Prepare to pay for an appraisal no matter what they have told you prior. Next complaint - I have an impound account (part of your monthly payment is held for taxes and insurance) which RPM uses to pay my taxes and insurance on a periodic basis. For some reason, they stopped paying my insurance (which I'm paying them to do). Calls from my insurance provider indicate my policy had been cancelled, so I paid for it out-of-pocket (again) until I could call RPM to figure out why they didn't pay it. After a multitude of calls, waiting on hold, and promises, my concerns regarding multiple inquiries are still not resolved, regardless of their assurances that it would be corrected. Overall, if you're looking for a headache, endless frustration, and being taken advantage, RPM is the place for you!
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