Impac Mortgage Holdings, Inc. Complaint: Mortgage #1659755

Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints): failed to open stream: No such file or directory [CORE/src/Cache/Engine/FileEngine.php, line 395]

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Cake\Cache\Engine\FileEngine::read() - CORE/src/Cache/Engine/FileEngine.php, line 184
Cake\Cache\Cache::read() - CORE/src/Cache/Cache.php, line 312
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 58
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints) [splfileinfo.openfile]: failed to open stream: Success [CORE/src/Cache/Engine/FileEngine.php, line 395]

Code Context

                $this->_File = $path->openFile('c+');
            } catch (Exception $e) {
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Cake\Cache\Engine\FileEngine::_setKey() - CORE/src/Cache/Engine/FileEngine.php, line 395
Cake\Cache\Engine\FileEngine::write() - CORE/src/Cache/Engine/FileEngine.php, line 134
Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 234
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): _cake_model_ cache was unable to write 'default_complaints' to Cake\Cache\Engine\FileEngine cache [CORE/src/Cache/Cache.php, line 244]

Code Context

                ),
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Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 244
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
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#1659755 17 Nov 2015

Mortgage Conventional fixed mortgage

Complaint #1659755 submitted on 11/17/2015 relating to Impac Mortgage Holdings, Inc.. Complaint relates to Mortgage Conventional fixed mortgage - Settlement process and costs .

Complaint was submitted via Web and sent to the company on Friday 20th November 2015.

Narrative (may be redacted).

1. On the basis of CashCashcall web ad, XXXX XXXX/XXXX/2015, I filed the application online for 15 year fixed 2.75 % mortgage loan with no closing cost.
2. Cashcall sent me the confirmation but without the rate lock. Then again changed the loan rate at 2.875 % for 15 year fixed with {$990.00} Cashcall Lender fees but again no lock-in rate.
3. on XXXX/XXXX/2015 I talked to XXXX XXXX XXXX XXXX Cashcall and asked to match the rate & terms offered by Quicken loan i.e. 2.875 % fixed 15 year mortgage with {$170.00} lender fees. He asked me send their e-mail so that Cahcall will match XXXX Loan rate & terms.
4. My e-mail of XXXX/XXXX/15 indicated to Cahcall that even though Cashcall Ad shows 2.75 % 15 year Mortgage with no cost, why their disclosure shows it at 2.875 % for 15 year loan with {$990.00} fee cahcall total fees.
5. How ] ever, e-mail of XXXX/XXXX/2015 indicated that the total money required at closing would be {$140000.00} while the title company XXXX Form shows these as {$130000.00} which exclude the Cashcall fee plus the home insurance cost which would definitely be much less than {$15000.00}. I asked the loan processor XXXX XXXX XXXX to provide the detailed explanation for this difference but so far he has not provided me the detailed explanation.
6. Cashcall e-mailed that they did approved my loan but so far failed to provide me the final commitment letter with their promised fees of only {$170.00}. They are using the delaying tactics of asking the XXXX forms of the stocks which I do n't even own now. Well, they e-mail me of XXXX or XXXX at a time asking for the same documents copies which I already gave before. Thus filing to provide the final commitment and the detailed expenses as per their oral promise and making sure that just couple of before the closing they would jack their fees extensively and forced us to p [ ay much higher expenses that their initial disclosed XXXX plus failing to match the promised quicken loan rate and terms.
I believe that such practices are not only unethical but may be even illegal. Hence, I seek your immediate help on this matter.

Older American

Company	Impac Mortgage Holdings, Inc.
Complaint ID	1659755
Date Received	11/17/2015
Product	Mortgage Conventional fixed mortgage
Issue	Settlement process and costs
State/ZIP Code	NJ 085XX
Consumer Consent	Consent provided
Company Public Response	Company believes the complaint is the result of a misunderstanding
Company Response To Customer	Closed with monetary relief
Submitted	Web 11/20/2015
Result	Timely Response: Yes, Consumer Disputed: No

Impac Mortgage Holdings, Inc. Complaint: Settlement process and costs

#1659755 17 Nov 2015

Mortgage Conventional fixed mortgage

Narrative (may be redacted).

Have you dealt with Impac Mortgage Holdings, Inc.?