We want to change mortgage companies and are not sure how to do it without spending money we don't have...help

we are getting tired of being screwed by Citimortgage with late fees and not using our payments towards the mortgage. Not to mention not being able to talk to someone who knows what the hell is going on in their own company.We want to change mortgage companies and are not sure how to do it without spending money we don't have...help
This is a catch up game the rich will play with the poor sucker. The newest approach is to split the escrow from the primary mortgage account and take on the higher interest of a fixed rate. Good deal, not.





I would talk to ...idk....I believe they all charge.We want to change mortgage companies and are not sure how to do it without spending money we don't have...help
If you want a new loan, there will likely be fees for it. Or with all the competition for mortgages now, you may be able to find a company that doesn't have much for fees. But if you pay late, you're not going to get a good rate. And how on earth could your payments not go to the mortgage?
You would need to refinance your loan. There are loans out there with no out of pocket expense.





Compare the rates and payments.
You wont get screwed with late fees if you pay your mortgage on time. Try that first.
If they are not applying your payments properly and they will not talk to you, it is very important that you contact an attorney who is experienced in real estate immediately.





This is extremely important that you do this immediately, especially if they are charging you late fees.





They are probably also reporting mortgage lates. That will make it impossible for you to refinance the loan with another lender.





If you have a legitimate dispute with the lender, and the lates are a result of the dispute, your attorney can have those late payment reports removed from your credit report by the lender or your attorney can file a lawsuit against your lender on your behalf for damages.





You must contact an attorney about this matter immediately.





This could be a very expensive problem for you if you do not contact an attorney immediately.





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