Information Disclaimer: Not Your Loan Servicer (Read More)

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

Home Point Financial Corp. Short Sale

Home Point RMA Short Sale Package

Mortgage Assistance Form.

Home Point Short Sale Decline

Home Point Short Sale Denied?

Home Point Short Sale

Home Point Short Sale Process

Home Point Mortgage Short Sale Negotiators. We're On Top.

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Home Point Short Sale Process

In some of the cases there is a requirement from the investor that you will have to first apply for Home Point Loan Modification but once you have been denied for it the process for the short sale is pretty straight forward :

  1. Our agent will talk to the councellor of Home Point to initiate the short sale process.
  2. You will be required to submit Home Point Request for Mortgage Assistance Package.
  3. It will be required to schedule and complete a broker’s price opinion (Some investors require two interior inspections)
  4. Numbers for purchase prices and closing costs will have to negotiated with Home Point about Short Sale Fees And Costs To Be Paid Out Of The Seller’s Proceeds.
  5. Lender Home Point Mortgage Provides A Response To Short Sale Offer Made.

Sadly the short sale process with Home Point Mortgage is never easy. When applying for the short sale it sometimes feels like that something always comes up. It is a pretty common phenomena that you will have to repeat the same steps over and over. While dealing with Home Point short sale process we will have to run from department to department. The Loan Modification Department maybe needs to close it out, or the short sale department doesn’t have someone assigned to Home Point Mortgage Customers Service Department; Above all you need to know better when they are sending you in the wrong direction. Often clients come to us after submitting the wrong information on their application, getting denied, and not being able to figure out what happened. We can help you review any declines.

Home Point Mortgage Short Sale Timeline

While dealing with the short sale it can greatly help the process if you know what effects the timeline of the short sale process. These are just a few of the hoops we have to jump through when dealing with a short sale.

  • For one, Home Point Mortgage is a company that works only as a servicer of mortgage notes. Home Point Short Sale package is generally only a piece of what governs ASC’s mortgage servicing as they have to bide by the PSA or Pooling and Servicing Agreement that sets the rules for each and every loan; This contract is directly between servicer and investor. The investor for which Home Point is servicing do not allow them to take all the decisions themselves so this means that for decisions they cannot take themselve they have to get permission from the investor. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from many servicers. The more parties you have to deal with the longer it’s going to take.
  • Additionally, The fact that whether your Home Point loan has a sale date or not also greatly effects the timeline. Home Point can be really tough to deal with when it comes to stopping the sale so the Home Point short sale process can be completed. If you can get a value completed your chances of getting bumped up majorly improve. As a loan servicer they have homes being sold at auction every day. Sale dates even for the coming week are not worked with ugency you would expect. As a first come first serve business model it can also be influenced by foreclosure status and proximity to the upcoming sale date (if applicable).
  • Finally, not all negotiations are equal; This goes for both sides. Often miscomunication is the number one reason why a short sale fail. People become very specialized in this niche of representing homeowners (borrowers) infront of Home Point Mortgage in these financial application processes to find mortgage assistance. Often you will be put though the multiple levels of management including approval from an investor as mentioned above depending on what their total losses are.

Home Point Short Sale Timeline Conclusion: Your Home Point Short Sale Timeline will vary based on many different factors. Decisions that can be made in house will clearly be quicker than those that have to be sent out for appoval., what the value comes back at from the appraisal completed by Home Point’s Short Sale Department compared to what the offer is that is being made to them, how fast Home Point Loss Mitigation department received the Home Point’s Short Sale Application documents are received (readable) and other factors will come together to effect how long it will take for your Home Point Loan Short Sale to be Approved.

If Your Home Point Short Sale Was Denied There May Still Be Options.


How To Fix A Home Point Loan Short Sale Decline?

Often dealing with Home Point Mortgage and how they deal with short sale buyers offers being declined may be confusing. Often they will not be clear not only as to why but if there is anything that can be done to fix it.  Here at ACG we review dozens of points in order to understand why your Home point short sale offer was rejected. Have us review your declined short sale for free by calling us at 888-934-3444.

Home Point Loan Servicing Contact Information

Home Point Mortgage Customers

 Home Point Consumer Complaints and Reviews

Home Point Mortgage Reviews

Home Point Mortgage Servicing Complaints

Often we have gotten on the phone with a Home Point Loan for one of our Customers where we are given the run arround. They can be very difficult to work with and making matters worse is their rude agents on the phone. When dealing with a Loan Servicing where the people on the phone make you feel like they don’t care getting a straight story can be difficult with your Home Point Mortgage.

Due to space constraints we are not able to include the complete review(s). The name of each reviewer links to where the reviews maybe located. For the complete review click the links.

Home Point 1 Star Review:

This company bought Stonegate mortgage which was my lender. I had auto online payment since June 2014. Once they took over, they stopped my auto payment without noticing me. Now I am not allowed to pay online, neither auto pay. I requested a payoff statement at least 10 times including email and priority mail requests. For 40 days past I never got the payoff statement. You know why? Because my rate is 4.5%. Everytime I called, I was told I would get one tomorrow. But I never did. Something is wrong with this company. If you are looking for a mortgage company, I suggest you to find a good one, not this junk company.

Shaulyn Z., Saint Louis, MO

Home Point 1 Star Review:

This company is a JOKE! They just bought my previous mortgage company and of course they’ve made it nearly impossible for a seamless process during the transition. As most people in 2017, my bills are paid online. Home Point in their infinite wisdom decided to give everyone new account numbers and mess up the auto bill payment for folks’ mortgages with their respected financial institutions. When I called them to tell them my credit union had to manually mail them a check (because of this crappy merger) they basically informed me that wasn’t their problem and a late fee would be assessed accordingly, if not received by the middle of the month! They are LOUSY LOUSY with customer service and a so-called “broker” for mortgages.

J.T, Montgommery Village, MD

Don't Be A 1 Star Review


Don't Be A 1 Star Review


Home Point 1 Star Review:

My husband and I have been trying to get a modification since 2011…. in 2014 we had to file for bankruptcy. Our bankruptcy was dismissed because ASC wouldn’t modify our payment which made our plan presented to the judge not feasible. All of us posting on here should get together and file a class action lawsuit. Anyone think this can be done. If so, we’re in!!

P.R, Exton, PA

1 Star Situations Happen Every Day


ACG 5 Star Review:

Tried modifying my mortgage loan on my own, twice actually, but no luck. Until I called ACG. [I] got my loan mod approved and all is well.

Michael, Woodland Hills, CA

ACG 5 Star Review:

We were struggling trying to get assistance in keeping our home for over a year when I was introduced to ACG Today both my homes are modified and our family has a chance for a fresh start.

Patricia, Porter Ranch, CA

ACG 5 Star Review:

I have worked with [the] team personally and professionally referring them many clients over the past few years. If you need help with a loan modification, short sale, or want to avoid foreclosure I highly suggest you use Absolute Consultant Group!

Daniel, Santa Clarita, CA

You Know You can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your Home Point Mortgage.

You Know You can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your Home Point Mortgage.

Home Point Mortgage Short Sale News

Home Point Financial Foreclosure Process

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

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Home Point Financial Deed In Lieu Of Foreclosure

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

read more