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Claimant's opinion: We went to Snap Lending to refinance our home. We had an FHA Loan at 4.75 % and were looking for a conventional loan. Snap Lending told us that we could get a loan at 4.125 % and that because we had an FHA loan we would receive 2,356.20 dollars back because FHA would refund our unearned MIP . We qualified, but the numbers didn't come back as good as we had thought they would. We were now only going to save 60 dollars instead of the 200 a month we had thought due to our appraisal and mortgage insurance. We didn't think that refinancing was worth our out of pocket money just to save 60.00 dollars a month. They sat down with us again and went over the numbers and the costs with us. They showed us once again what the closing costs were and how we would get the refund that would offset the closing costs, so it was still worth it to refinance because in the end we would save 60.00 a month. We decided to go through with it based on the information they gave us. We signed the paperwork and Snap Lending told us we would receive an application HUD-27050-B within 45 days and we were to fill them out, sign them, and send them back to FHA . Then in a few week we would get our 2,356.20 dollar refund which we could then go put back on our mortgage and we would be back where we were with our payoff, plus we were be saving 60.00 a month. Well, we waited and waited and nothing came, so we called Snap Lending and they sent us an email giving us specific instructions on how to apply for our refund. We called HUD at (800)697-6967 and they said that they no longer issue MIP refunds for people who had FHA loans. We called Snap Lending and told them what we were told. Snap Lending told us that was not right and that they probably didn't know what we were talking about. Snap Lending said they would call for us and straighten things out. They called for us and called us back a couple of days later and apologized because they were unaware that the refund program had ended. We looked into it and the refund program ended in 2008. We refinanced in 2010. Snap Lending should have been more knowledgeable about the refinancing program they were selling to us. They should have been up to date and given us the correct and current information. But they weren't and they didn't. They gave us false information and we refinance based on the professional information that they gave us. We would have never refinanced and spent that amount of money just to save 60.00 a month. Snap lending told us they would be able to give us back 1,000.00 dollars, which they finally did after many repeated phone calls. But we are still out 1,356.20, which we feel they still owe us. Snap Lending has a license and is in the business of mortgage loans and refinancing. They should be the experts or at least knowledgeable. We went to them because we wanted to refinance and that is what they claim they do. Snap Lending should be required to give correct information to the consumers and they should be held accountable when they don't. We made decisions based on their false information. They made money off of our losing money. This situation needs to be corrected and we need to receive what was promised to us. Snap Lending should be required to rectify this situation by giving us the rest of our money which is 1,356.20.
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