SUN WEST MORTGAGE COMPANY, INC. - Florida Company Profile

Company Details

Entity Name:	SUN WEST MORTGAGE COMPANY, INC.
Jurisdiction:	FLORIDA
Filing Type:	Foreign Profit
Status:	Active The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.
Date Filed:	14 Sep 2006 (19 years ago)
Document Number:	F06000006009
FEI/EIN Number	953523796 Federal Employer Identification (FEI) Number assigned by the IRS.
Address:	18303 Gridley Rd., Cerritos, CA, 90703, US
Mail Address:	18303 Gridley Rd., Cerritos, CA, 90703, US
Place of Formation:	CALIFORNIA

Key Officers & Management

Name	Role	Address
Agarwal Sharda	Secretary	18303 Gridley Rd., Cerritos, CA, 90703
Agarwal Pavan S	Chief Executive Officer	18303 Gridley Rd., Cerritos, CA, 90703
Vallinayagam Poonkuzhali ak	Chief Operating Officer	18303 Gridley Rd., Cerritos, CA, 90703
Derassoyan Christine	Comp	18303 Gridley Rd., Cerritos, CA, 90703
Monserrate Penagari Dora L	Chie	18303 Gridley Rd., Cerritos, CA, 90703
Frederick Dana	Vice President	18303 Gridley Rd., Cerritos, CA, 90703
PARACORP INCORPORATED	Agent	-

Fictitious Names

Registration Number	Fictitious Name	Status	Filed Date	Expiration Date	Cancellation Date	Mailing Address
G24000064107	YES HOME LOANS	ACTIVE	2024-05-17	2029-12-31	-	18303 GRIDLEY RD., CERRITOS, CA, 90703
G23000119076	ANGELAI.LIFE	ACTIVE	2023-09-26	2028-12-31	-	18303 GRIDLEY RD., CERRITOS, CA, 90703
G23000119048	AMERICA'S GLORY	ACTIVE	2023-09-26	2028-12-31	-	18303 GRIDLEY RD., CERRITOS, CA, 90703
G21000130835	TRU APPROVAL	ACTIVE	2021-09-29	2026-12-31	-	6131 ORANGETHORPE AVENUE, SUITE 500, BUENA PARK, CA, 90620
G20000091523	LOWRATES.TV	ACTIVE	2020-07-29	2025-12-31	-	6131 ORANGETORPE AVENUE, SUITE 500, BUENA PARK, CA, 90620
G19000035509	SIRIUS LENDING	EXPIRED	2019-03-18	2024-12-31	-	6131 ORANGETHORPE AVENUE, SUITE 500, BUENA PARK, CA, 90620
G15000051769	1ST LIBERTY, A DIVISION OF SUN WEST MORTGAGE COMPANY, INC.	ACTIVE	2015-05-27	2025-12-31	-	6131 ORANGETHORPE AVE, SUITE 500, BUENA PARK, CA, 90602
G14000094576	1ST LIBERTY, A DIVISION OF SUN WEST MORTGAGE COMPANY, INC.	EXPIRED	2014-09-16	2024-12-31	-	6131 ORANGETHORPE AVENUE, SUITE 500, BUENA PARK, CA, 90620
G12000118719	MORTGAGE POSSIBLE	ACTIVE	2012-12-10	2027-12-31	-	6131 ORANGETHORPE AVE., SUITE 500, BUENA PARK, CA, 90620
G12000118726	LOWRATES.COM	ACTIVE	2012-12-10	2027-12-31	-	6131 ORANGETHORPE AVE., SUITE 500, BUENA PARK, CA, 90620

Events

Event Type	Filed Date	Value	Description
CHANGE OF PRINCIPAL ADDRESS	2023-09-20	18303 Gridley Rd., Cerritos, CA 90703	-
CHANGE OF MAILING ADDRESS	2023-09-20	18303 Gridley Rd., Cerritos, CA 90703	-
REGISTERED AGENT NAME CHANGED	2015-04-24	PARACORP INCORPORATED	-
REGISTERED AGENT ADDRESS CHANGED	2014-12-03	155 OFFICE PLAZA DRIVE, 1ST FLOOR, TALLAHASSEE, FL 32301	-

Debts

Document Number	Status	Case Number	Name of Court	Date of Entry	Expiration Date	Amount Due	Plaintiff
J15000342689	LAPSED	12-34075 CA 01	MIAMI-DADE COUNTY	2015-03-11	2020-03-13	$21,500.00	JESUS F. BUJAN, PA, 782 NW 42 AVENUE, SUITE 530, MIAMI, FLORIDA 33126
J14000916386	LAPSED	13-29870 CA 27	11TH JUD CIRCUIT MIAMI DADE CO	2014-09-10	2019-10-08	$5,263.00	MIAMI SHORES VILLAGE, 10050 NE 2ND AVENUE, MIAMI SHORES, FL 33138

Court Cases

Title

Case Number

Docket Date

Status

John Mimmo, Appellant(s) v. Sun West Mortgage Company Inc., Appellee(s).

6D2024-1043

2024-05-23

Open

Classification	NOA Final - Circuit Civil - Other
Court	6th District Court of Appeal
Originating Court	Circuit Court for the Twentieth Judicial Circuit, Lee County 23-CA-007041

Parties

Name	John Mimmo
Role	Appellant
Status	Active

Name	SUN WEST MORTGAGE COMPANY, INC.
Role	Appellee
Status	Active
Representations	Charles Porter Gufford

Name	Lee Clerk
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2024-11-21
Type	Order
Subtype	Order
Description	The motions to appeal denial of motions to stay are denied. See Fla. R. App. P. 9.310.
View	View File

Docket Date	2024-10-03
Type	Misc. Events
Subtype	Miscellaneous Trial Court Document
Description	"LOWER TRIBUNAL MINUTES"
On Behalf Of	John Mimmo

Docket Date	2024-10-03
Type	Motions Other
Subtype	Miscellaneous Motion
Description	Motion to Appeal Denial of Motion to Stay
On Behalf Of	John Mimmo

Docket Date	2024-10-03
Type	Brief
Subtype	Initial Brief
Description	Initial Brief
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-09-23
Type	Order
Subtype	Order on Motion To File Supplemental Brief
Description	In order to facilitate this court's review, appellant's motion seeking a review of the denial of the motion for stay by the lower tribunal shall be supplemented within ten days from the date of this order with copies of any motions for stay filed in the lower tribunal and copies of any orders by the lower tribunal denying those motions. See Fla. R. App. P. 9.310. Failure to comply with this order may result in the denial of the motion without further notice.
View	View File

Docket Date	2024-09-20
Type	Order
Subtype	Order Discharging Show Cause Order
Description	Upon consideration of Appellant's amended notice of appeal, this Court's June 21, 2024, orders requiring Appellant to provide a copy of the order appealed and to provide an amended certificate of service are hereby discharged. Furthermore, upon consideration of the order appealed, this case will proceed as from a final order under Florida Rule of Appellate Procedure 9.110. The clerk of the lower tribunal is directed to prepare the record on appeal. Appellant's initial brief will be due thirty days after the service of the record.
View	View File

Docket Date	2024-09-18
Type	Motions Other
Subtype	Miscellaneous Motion
Description	Miscellaneous Motion - MOTION TO APPEAL DENIAL OF MOTION TO STAY
On Behalf Of	John Mimmo

Docket Date	2024-09-16
Type	Brief
Subtype	Initial Brief
Description	Initial Brief
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-08-29
Type	Order
Subtype	Order on Motion For Review
Description	In consideration of the June order of the lower tribunal resetting the scheduled sale date and appellant's response to this court's order indicating that no additional stay was sought in the lower tribunal following entry of the June order, the motion to review the denial of the stay is denied without prejudice to seek a stay by motion in the lower tribunal. See Fla. R. App. P. 9.310.
View	View File

Docket Date	2024-08-23
Type	Response
Subtype	Response
Description	Answer to Court Order Inquiry
On Behalf Of	John Mimmo

Docket Date	2024-08-15
Type	Motions Other
Subtype	Motion For Review
Description	MOTION TO SEEK REVIEW OF THE TWENTIETH JUDICIAL CIRCUIT COURT OF FLORIDA IN AND FOR LEE COUNTY DENIAL OF MOTION TO STAY
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-08-15
Type	Motion
Subtype	Appendix
Description	"ORDER ON DEFENDANT'S MOTION TO STAY PENDING APPEAL AND ORE TENUS MOTION TO CANCEL JUNE 20, 2024 FORECLOSURE SALE
On Behalf Of	John Mimmo

Docket Date	2024-07-16
Type	Record
Subtype	Record on Appeal
Description	MISCELLANEOUS AFFIDAVIT
On Behalf Of	John Mimmo

Docket Date	2024-07-12
Type	Misc. Events
Subtype	Miscellaneous Trial Court Document
Description	Memorandum of Authorities
On Behalf Of	John Mimmo

Docket Date	2024-07-12
Type	Notice
Subtype	Amended Notice of Appeal
Description	Amended Notice of Appeal DUPLICATE
On Behalf Of	John Mimmo

Docket Date	2024-07-11
Type	Misc. Events
Subtype	Certificate of Service
Description	Certificate of Service
On Behalf Of	John Mimmo

Docket Date	2024-07-11
Type	Notice
Subtype	Amended Notice of Appeal
Description	Amended Notice of Appeal - WITH ORDER
On Behalf Of	John Mimmo

Docket Date	2024-07-10
Type	Notice
Subtype	Amended Notice of Appeal
Description	Amended Notice of Appeal
On Behalf Of	John Mimmo

Docket Date	2024-06-25
Type	Notice
Subtype	Notice of Appearance
Description	Notice of Appearance
On Behalf Of	Sun West Mortgage Company Inc

Docket Date	2024-06-21
Type	Order
Subtype	Show Cause re No Order Appealed
Description	Within fifteen days, Appellant shall show cause why this appeal should not be dismissed for lack of jurisdiction, as Appellant has failed to provide a copy of the order appealed as required by the Florida Rules of Appellate Procedure, and this court is unable thereby to determine its jurisdiction.
View	View File

Docket Date	2024-06-21
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter
View	View File

Docket Date	2024-05-23
Type	Event
Subtype	Fee Satisfied
Description	Fee Satisfied

Docket Date	2024-05-23
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal with Insolvency Order
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-12-16
Type	Brief
Subtype	Initial Brief
Description	Initial Brief
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-12-16
Type	Record
Subtype	Appendix to Initial Brief
Description	Appendix to Initial Brief
On Behalf Of	John Mimmo

Docket Date	2024-11-27
Type	Record
Subtype	Record on Appeal
Description	WINESETT/FULLER - REDACTED - 181 PAGES
On Behalf Of	Lee Clerk

Docket Date	2025-01-07
Type	Order
Subtype	Order on Motion to Stay
Description	In order to facilitate review of the motion for stay, appellant shall, within five days from the date of this order, provide this court with copies of the motion for stay filed in the lower tribunal and any order entered by the lower tribunal on that motion, failing which the motion for stay may be denied without further notice. See Fla. R. App. P. 9.310.
View	View File

Docket Date	2025-01-06
Type	Motions Other
Subtype	Motion To Stay
Description	Motion To Stay
On Behalf Of	John Mimmo

Docket Date	2025-01-03
Type	Miscellaneous Document
Subtype	Misc. Docket Entry
Description	Copy of complaint to CFPB
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-12-30
Type	Brief
Subtype	Amended Initial Brief
Description	Amended Initial Brief
On Behalf Of	John Mimmo
View	View File

Docket Date	2024-12-18
Type	Order
Subtype	Amended/Additional Filing(s) Needed
Description	The initial brief does not comply with Florida Rule of Appellate Procedure 9.045's form requirements or Florida Rule of Appellate Procedure 9.210(b)'s content requirements. Without limitation, the initial brief is in the wrong format, contains few of the required contents enumerated in rule 9.210(b), and has no citations to the record on appeal. Furthermore, the initial brief does not comply with the additional briefing requirements of this Court as set forth in the Sixth District Court of Appeal Administrative Order 24-01. Specifically: 1) The initial brief does not contain a statement as to each issue presented, where in the record on appeal the issue was raised and ruled on; and 2) The initial brief does not contain a statement of the basis for jurisdiction in this Court, including the basis for claiming that the judgment or order appealed from is final. Appellant shall file a corrected brief within ten days from the date of this order. A compliant brief would include entries in the table of contents entitled "Statement of Jurisdiction" and "Statement of Preservation" that indicate sections in the initial brief where this information appears. AO 24-01 can be accessed at https://6dca.flcourts.gov/Clerk-s-Office/Administrative-Orders. Failure to comply with this order may result in summary affirmance. See Fla. R. App. P. 9.315(a).
View	View File

Docket Date	2024-12-17
Type	Order
Subtype	Order Striking Filing
Description	The Court strikes Appellant's Application for the Admission of New Evidence docketed December 15, 2024, as unauthorized under the Florida Rules of Appellate Procedure, without prejudice for Appellant to seek appropriate relief based on newly-discovered evidence in the lower tribunal through the Florida Rules of Civil Procedure.
View	View File

Docket Date	2024-12-16
Type	Motions Other
Subtype	Miscellaneous Motion
Description	Miscellaneous Motion - APPLICATION FOR THE ADMISSION OF NEW EVIDENCE
On Behalf Of	John Mimmo

Docket Date	2024-10-14
Type	Order
Subtype	Order
Description	This Court acknowledges receipt of Appellant's Memorandum of Authorities, filed on October 3, 2024. Upon consideration that this Court cannot identify any relief sought by or through this filing, this Court will take no further action on it."
View	View File

Docket Date	2024-08-16
Type	Order
Subtype	Order on Motion For Review
Description	In order to facilitate this court's review pursuant to Florida Rule of Appellate Procedure 9.310, within seven days from the date of this order, Appellant shall supplement the motion for review of the order denying the motion for stay in the lower tribunal with a copy of the motion for stay filed in the lower tribunal as well as any information regarding whether additional relief has been sought in the lower tribunal since the entry of the June order denying the motion for stay. Failure to respond may result in the denial of the motion without further notice.
View	View File

ANNETTE COOPER VS SUN WEST MORTGAGE COMPANY INC.

3D2019-1710

2019-09-04

Closed

Classification	NOA Final - Circuit Civil - Other
Court	3rd District Court of Appeal
Originating Court	Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County 19-2254

Parties

Name	ANNETTE COOPER
Role	Appellant
Status	Active
Representations	GUSTAVO ALEJANDRO GARCIA

Name	SUN WEST MORTGAGE COMPANY, INC.
Role	Appellee
Status	Active
Representations	CHAD J. TAMAROFF, HOUSTON E. SHORT, MURRAY B. SILVERSTEIN

Name	HON. ALEXANDER BOKOR
Role	Judge/Judicial Officer
Status	Active

Name	Miami-Dade Clerk
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2019-11-08
Type	Record
Subtype	Record on Appeal
Description	Record on Appeal
On Behalf Of	Miami-Dade Clerk

Docket Date	2019-10-23
Type	Notice
Subtype	Voluntary Dismissal
Description	Voluntary Dismissal Recognized (OG33) ~ It is ordered that appellant’s Notice of Voluntary Dismissal is recognized by the Court, and this appeal from the Circuit Court for Miami-Dade County, Florida is hereby dismissed.

Docket Date	2019-10-23
Type	Mandate
Subtype	Disp. w/o Mandate
Description	Disp w/o mandate

Docket Date	2019-10-23
Type	Disposition by Opinion
Subtype	Dismissed
Description	Dismissed - Order by Clerk

Docket Date	2019-10-23
Type	Misc. Events
Subtype	West Publishing
Description	West Publishing

Docket Date	2019-10-22
Type	Motions Other
Subtype	Motion/Notice Voluntary Dismissal
Description	Notice of Voluntary Dismissal ~ APPELLANT'S NOTICE OF VOLUNTARY DISMISSAL
On Behalf Of	ANNETTE COOPER

Docket Date	2019-09-04
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter ~ Acknowledgment of new case with attachments.

Docket Date	2019-09-04
Type	Misc. Events
Subtype	Fee Status
Description	C1:Certificate of Indigency Filed
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2019-09-04
Type	Notice
Subtype	Notice of Appeal Transmittal Form
Description	Notice of Transmittal--NOA
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

LIANNE ELENA FOURNIER MENDEZ VS SUN WEST MORTGAGE COMPANY INC.

SC2017-0279

2017-02-17

Closed

Classification	Discretionary Review - Notice to Invoke - Direct Conflict of Decisions
Court	Supreme Court of Florida
Originating Court	Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County 132013CA036535000001 Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County 3D16-1279

Parties

Name	LIANNE ELENA FOURNIER MENDEZ
Role	Petitioner
Status	Active

Name	SUN WEST MORTGAGE COMPANY, INC.
Role	Respondent
Status	Active
Representations	Victor S. Kline

Name	HON. NORMA SHEPARD LINDSEY, JUDGE
Role	Judge/Judicial Officer
Status	Active

Name	Hon. Mary Cay Blanks
Role	Lower Tribunal Clerk
Status	Active

Name	Hon. Harvey Ruvin
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2017-02-17
Type	Notice
Subtype	Invoke Discretionary Jurisdiction
Description	NOTICE-DISCRETIONARY JURIS (DIRECT CONFLICT)
On Behalf Of	LIANNE ELENA FOURNIER MENDEZ
View	View File

Docket Date	2017-02-17
Type	Misc. Events
Subtype	Fee Status
Description	DM:Case Dismissed

Docket Date	2017-02-21
Type	Disposition
Subtype	Rev/Appeal Dism No Juris Omnibus
Description	DISP-REV/APPEAL DISM NO JURIS OMNIBUS ~ This case is hereby dismissed. This Court lacks jurisdiction to review an unelaborated decision from a district court of appeal that is issued without opinion or explanation or that merely cites to an authority that is not a case pending review in, or reversed or quashed by, this Court. See Wells v. State, 132 So. 3d 1110 (Fla. 2014); Jackson v. State, 926 So. 2d 1262 (Fla. 2006); Gandy v. State, 846 So. 2d 1141 (Fla. 2003); Stallworth v. Moore, 827 So. 2d 974 (Fla. 2002); Harrison v. Hyster Co., 515 So. 2d 1279 (Fla. 1987); Dodi Publ'g Co. v. Editorial Am. S.A., 385 So. 2d 1369 (Fla. 1980); Jenkins v. State, 385 So. 2d 1356 (Fla. 1980). No motion for rehearing or reinstatement will be entertained by the Court.

LIANNE ELENA FOURNIER MENDEZ VS SUN WEST MORTGAGE COMPANY INC.

3D2016-1279

2016-06-01

Closed

Classification	NOA Final - Circuit Civil - Foreclosure
Court	3rd District Court of Appeal
Originating Court	Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County 13-36535

Parties

Name	LIANNE ELENA FOURNIER MENDEZ
Role	Appellant
Status	Active

Name	SUN WEST MORTGAGE COMPANY, INC.
Role	Appellee
Status	Active
Representations	VICTOR S. KLINE, BRIAN L. ROSALER

Name	HON. NORMA S. LINDSEY
Role	Judge/Judicial Officer
Status	Active

Name	Miami-Dade Clerk
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2017-02-21
Type	Supreme Court
Subtype	Supreme Court Opinion
Description	Supreme Court Disposition ~ This case is hereby dismissed. This court lacks jurisdiction to review an unelaborated decision from district court of appeal that is issued without opinion or explanation, that is not a case pending review in, or reversed or quashed by this court. No motion for rehearing or reinstatement will be entertained by the court.

Docket Date	2017-02-17
Type	Notice
Subtype	Notice
Description	NOTICE OF DISCRETN. JURISDICTN

Docket Date	2016-12-15
Type	Order
Subtype	Order
Description	MISCELLANEOUS ORDER (OR999) ~ Upon consideration, appellant¿s motion for rehearing is hereby stricken as untimely. SALTER, FERNANDEZ and SCALES, JJ., concur.

Docket Date	2016-12-13
Type	Response
Subtype	Response
Description	RESPONSE ~ to motion for rehearing
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2016-12-09
Type	Post-Disposition Motions
Subtype	Motion for Rehearing
Description	Motion For Rehearing
On Behalf Of	LIANNE ELENA FOURNIER MENDEZ

Docket Date	2016-12-09
Type	Misc. Events
Subtype	West Publishing
Description	West Publishing

Docket Date	2016-12-09
Type	Mandate
Subtype	Mandate
Description	Mandate

Docket Date	2016-11-23
Type	Disposition by Opinion
Subtype	Affirmed
Description	Affirmed - Per Curiam Affirmed

Docket Date	2016-09-20
Type	Record
Subtype	Appendix
Description	Appendix
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2016-09-20
Type	Brief
Subtype	Answer Brief
Description	Appellee's Answer Brief
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2016-08-10
Type	Order
Subtype	Order on Motion for Extension of Time to Serve Answer Brief
Description	Extension granted to file answer brief (OG04) ~ Appellee¿s motion for an extension of time to file the answer brief is granted to and including September 21, 2016.

Docket Date	2016-08-09
Type	Record
Subtype	Record on Appeal
Description	Record on Appeal ~ 1 VOLUME.

Docket Date	2016-08-08
Type	Motions Extensions
Subtype	Motion for Extension of Time to Serve Answer Brief
Description	Mot. for Extension of time to file Answer Brief
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2016-08-08
Type	Notice
Subtype	Notice of Appearance
Description	Notice of Appearance
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2016-07-28
Type	Brief
Subtype	Initial Brief
Description	Initial Brief on Merits
On Behalf Of	LIANNE ELENA FOURNIER MENDEZ

Docket Date	2016-07-21
Type	Notice
Subtype	Notice of Filing
Description	Notice of Filing ~ Add documents to other exhibits-Exhibits 5, 6, 7, and 8

Docket Date	2016-07-20
Type	Misc. Events
Subtype	Determination of Indigency/LT Order Insolvency
Description	ORD-L.T. INSOLVENCY OR INDIGE.

Docket Date	2016-07-20
Type	Notice
Subtype	Notice of Appeal Transmittal Form
Description	Notice of Transmittal--NOA

Docket Date	2016-06-01
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter ~ Acknowledgment of new case with attachments. ** The $300 filing fee for appeal is due.

Docket Date	2016-06-01
Type	Order
Subtype	Order on Filing Fee
Description	Order to pay filing fee-civil w/o atty (OR14C) ~ This is to notify appellant that the filing and prosecution of a notice of appeal in this Court is not acceptable without compliance with the Florida Rules of Appellate Procedure. Therefore, this appeal will be dismissed unless the required three hundred ($300.00) dollar fee is paid to the Clerk of the Court by cash, cashier¿s check or money order on or before June 11, 2016, or a certified copy of the Application for Determination of Civil Indigent Status in which the lower tribunal clerk has determined the appellant to be indigent is received on or before said date.

Docket Date	2016-06-01
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal Filed
On Behalf Of	LIANNE ELENA FOURNIER MENDEZ

Docket Date	2016-06-01
Type	Misc. Events
Subtype	Fee Status
Description	A3:Paid In Full - $300

BENITA PITA, etc., VS SUNWEST MORTGAGE COMPANY, INC., etc., et al.,

3D2012-0848

2012-03-29

Closed

Classification	NOA Final - Circuit Civil - Other
Court	3rd District Court of Appeal
Originating Court	Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County 09-39338

Parties

Name	BENITA PITA
Role	Appellant
Status	Active
Representations	John B. Agnetti

Name	SUN WEST MORTGAGE COMPANY, INC.
Role	Appellee
Status	Active
Representations	BRANDON M. THOMPSON, Jeffrey C. Schneider, DAYREN L. SUAREZ

Name	Hon. Ellen L. Leesfield
Role	Judge/Judicial Officer
Status	Active

Name	Harvey Ruvin
Role	Lower Tribunal Clerk
Status	Active

Name	Miami-Dade Clerk
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2013-10-29
Type	Record
Subtype	Returned Records
Description	Returned Records ~ 2 VOLUMES.

Docket Date	2013-08-09
Type	Mandate
Subtype	Mandate
Description	Mandate

Docket Date	2013-08-09
Type	Misc. Events
Subtype	West Publishing
Description	West Publishing

Docket Date	2013-07-24
Type	Disposition by Opinion
Subtype	Affirmed
Description	Affirmed - Per Curiam Affirmed

Docket Date	2013-04-03
Type	Brief
Subtype	Answer Brief
Description	Appellee's Answer Brief
On Behalf Of	SUN WEST MORTGAGE COMPANY, INC.

Docket Date	2013-02-15
Type	Order
Subtype	Order on Motion for Extension of Time
Description	Clerk's notice granting eot (CLKEX)

Docket Date	2013-02-14
Type	Motions Extensions
Subtype	Motion for Extension of Time to Serve Answer Brief
Description	Mot. for Extension of time to file Answer Brief

Docket Date	2013-02-12
Type	Brief
Subtype	Initial Brief
Description	Initial Brief on Merits
On Behalf Of	BENITA PITA

Docket Date	2013-02-05
Type	Order
Subtype	Order on Motion for Extension of Time to Serve Initial Brief
Description	Ext-gr initial brief no further extensions (OG03B) ~ Appellant's motion for an extension of time to file the initial brief is granted to and including February 12, 2013, with no further extensions allowed. Failure to file will result in dismissal.

Docket Date	2013-01-30
Type	Motions Extensions
Subtype	Motion for Extension of Time to Serve Initial Brief
Description	Mot. for Extension of time to file Initial Brief ~ no copies/ no envelops filed
On Behalf Of	BENITA PITA

Docket Date	2013-01-23
Type	Order
Subtype	Order to Serve Brief
Description	AA to file intitial brief w/in 10 days (OR21A) ~ Pursuant to the time schedule provided in the Florida Rules of Appellate Procedure, the time for filing the initial brief has expired. This cause will be subject to dismissal unless the document referred to is filed within ten (10) days from the date of this order, or within said time the court is otherwise notified that this matter is being diligently prosecuted.

Docket Date	2012-06-27
Type	Record
Subtype	Record on Appeal
Description	Record on Appeal ~ 2 volumes.

Docket Date	2012-06-12
Type	Motions Other
Subtype	Miscellaneous Motion
Description	Miscellaneous Motion Granted (OG999) ~ The parties request to correct the record to include the Motion for Summary Judgment, including all exhibits attached thereto, is granted.

Docket Date	2012-06-08
Type	Motion
Subtype	Stipulation
Description	Stipulation ~ to correct record

Docket Date	2012-06-05
Type	Order
Subtype	Order on Motion for Extension of Time
Description	Clerk's notice granting eot (CLKEX) ~ Entered: No Copies

Docket Date	2012-06-04
Type	Motions Extensions
Subtype	Motion for Extension of Time to Serve Initial Brief
Description	Mot. for Extension of time to file Initial Brief
On Behalf Of	BENITA PITA

Docket Date	2012-03-29
Type	Misc. Events
Subtype	Fee Status
Description	A3:Paid In Full - $300

Docket Date	2012-03-29
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal Filed
On Behalf Of	BENITA PITA

Documents

Name	Date
ANNUAL REPORT	2024-04-04
ANNUAL REPORT	2023-04-26
ANNUAL REPORT	2022-04-25
ANNUAL REPORT	2021-04-28
ANNUAL REPORT	2020-03-19
ANNUAL REPORT	2019-04-24
ANNUAL REPORT	2018-04-27
ANNUAL REPORT	2017-04-26
ANNUAL REPORT	2016-04-11
ANNUAL REPORT	2015-04-24
AMENDED ANNUAL REPORT	2014-08-05
ANNUAL REPORT	2014-05-01
ANNUAL REPORT	2013-05-02
ANNUAL REPORT	2012-04-30
ANNUAL REPORT	2011-04-05
ANNUAL REPORT	2010-01-26
ANNUAL REPORT	2009-03-14
ANNUAL REPORT	2008-03-18
ANNUAL REPORT	2007-09-05
Foreign Profit	2006-09-14

CFPB Complaint

Complaint Id

Date Received

Issue

Product

11370878

2025-01-03

Struggling to pay mortgage

Mortgage

Issue	Struggling to pay mortgage
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Issue	Foreclosure
Sub Product	Conventional home mortgage
Date Received	2025-01-03
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-07
Consumer Consent Provided	Other

11662211

2025-01-17

Trouble during payment process

Mortgage

Tags	Servicemember
Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Issue	Escrow, taxes, or insurance
Sub Product	FHA mortgage
Date Received	2025-01-17
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2025-01-17

5701844

2022-06-23

Trouble during payment process

Mortgage

Tags	Servicemember
Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	VA mortgage
Date Received	2022-06-23
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-06-23
Consumer Consent Provided	Other

3183541

2019-03-18

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2019-03-18
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2019-03-25
Company Public Response	Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided	Consent not provided

3885358

2020-10-07

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports

Issue	Incorrect information on your report
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Credit reporting, credit repair services, or other personal consumer reports
Sub Issue	Account status incorrect
Sub Product	Credit reporting
Date Received	2020-10-07
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2020-10-07
Consumer Consent Provided	Consent not provided

2655176

2017-08-31

Trouble during payment process

Mortgage

Tags	Servicemember
Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	VA mortgage
Date Received	2017-08-31
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2017-09-01
Complaint What Happened	Sunwest Mortgage Company deducts taxes and insurance payments every month. As we kept calling to advise them of the insurance notifications, every representative stated the payment would be made on time, which was by XXXX XXXX 2017. I just received notice today that my homeowners insurance lapsed, during hurricane season! And for failure to pay insurance premiums, which Sunwest Mortgage deducts a year in advance.
Consumer Consent Provided	Consent provided

1965704

2016-06-13

Loan servicing, payments, escrow account

Mortgage

Issue	Loan servicing, payments, escrow account
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	VA mortgage
Date Received	2016-06-13
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2016-06-13
Company Public Response	Company believes it acted appropriately as authorized by contract or law
Complaint What Happened	I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.
Consumer Consent Provided	Consent provided

1582919

2015-09-28

Loan modification,collection,foreclosure

Mortgage

Tags	Older American
Issue	Loan modification,collection,foreclosure
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Reverse mortgage
Date Received	2015-09-28
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2015-09-28
Company Public Response	Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided	Consent not provided

606706

2013-11-21

Loan modification,collection,foreclosure

Mortgage

Issue	Loan modification,collection,foreclosure
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Other mortgage
Date Received	2013-11-21
Submitted Via	Referral
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2013-11-22
Consumer Consent Provided	N/A

2742963

2017-11-30

Struggling to pay mortgage

Mortgage

Issue	Struggling to pay mortgage
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2017-11-30
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2017-11-30
Complaint What Happened	I was offered an informal forbarnace on my loan due to the the impacts of Hurrican Irma on our area in Florida. I have submitted documentation and loss mitigation request packages numerous times to try to get on a repayment plan to bring the loan current or request a modification, or simply an extension of the forbearance until XX/XX/XXXX when I will receive my delayed bonus in order to bring the loan current. I have received little to no response and communication from SunWest and promises for call backs and assistance that have gone unfulfilled. At this point, the forbearance is up XX/XX/XXXX, and I have been trying all week to get answers on what I can do to ensure my credit is not impacted and how we can work to bring the account current. When you call the loss mitigation and customer service departments, you sit on hold for 5 min and then are automatically dumped into a voicemail box. I am out of options and am simply trying to ensure that I can work to bring my loan current as soon as possible. I have diligently been trying to work with them for the last 60 days and it seems they are ignoring my requests so that the forbearance will run out and they can asses late fees and impact my credit report as of XX/XX/XXXX.
Consumer Consent Provided	Consent provided

806662

2014-04-14

Loan servicing, payments, escrow account

Mortgage

Issue	Loan servicing, payments, escrow account
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Reverse mortgage
Date Received	2014-04-14
Submitted Via	Postal mail
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2014-05-07
Consumer Consent Provided	N/A

7570959

2023-09-19

Problem with a company's investigation into an existing problem

Credit reporting or other personal consumer reports

Issue	Problem with a company's investigation into an existing problem
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Credit reporting or other personal consumer reports
Sub Issue	Their investigation did not fix an error on your report
Sub Product	Credit reporting
Date Received	2023-09-19
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-09-19
Complaint What Happened	The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer Consent Provided	Consent provided

1732661

2016-01-07

Application, originator, mortgage broker

Mortgage

Tags	Older American
Issue	Application, originator, mortgage broker
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Reverse mortgage
Date Received	2016-01-07
Submitted Via	Referral
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2016-01-26
Company Public Response	Company can't verify or dispute the facts in the complaint
Consumer Consent Provided	N/A

4185226

2021-03-05

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2021-03-05
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2021-03-05
Consumer Consent Provided	Consent not provided

7889882

2023-11-22

Problem with a company's investigation into an existing problem

Credit reporting or other personal consumer reports

Issue	Problem with a company's investigation into an existing problem
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Credit reporting or other personal consumer reports
Sub Issue	Investigation took more than 30 days
Sub Product	Credit reporting
Date Received	2023-11-22
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-11-29
Consumer Consent Provided	Consent not provided

4598610

2021-08-03

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	VA mortgage
Date Received	2021-08-03
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2021-08-03
Consumer Consent Provided	Consent not provided

2209115

2016-11-15

Loan servicing, payments, escrow account

Mortgage

Issue	Loan servicing, payments, escrow account
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2016-11-15
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2016-11-16
Company Public Response	Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided	Other

1360768

2015-05-05

Loan modification,collection,foreclosure

Mortgage

Tags	Older American
Issue	Loan modification,collection,foreclosure
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Conventional fixed mortgage
Date Received	2015-05-05
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2015-05-06
Consumer Consent Provided	N/A

4672343

2021-08-29

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	VA mortgage
Date Received	2021-08-29
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2021-08-29
Consumer Consent Provided	Consent not provided

3869809

2020-09-28

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports

Issue	Problem with a credit reporting company's investigation into an existing problem
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Credit reporting, credit repair services, or other personal consumer reports
Sub Issue	Their investigation did not fix an error on your report
Sub Product	Credit reporting
Date Received	2020-09-28
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2020-09-28
Complaint What Happened	Dear Sir or Madam, For the last 9 months I have contacted my mortgage company, SunWest on 6 separate occasions requesting them to correct, incorrect reporting on all 3 of my bureau reports. I subscribe to a service that allows me to monitor all 3 of my reports and shared this information on all occasions with SunWest. 1. As of XXXX, XX/XX/XXXX I spoke with XXXX from SunWest to discuss the problem on my account # XXXX, which reports a 90-day delinquency in XXXX of XXXX from XXXX, a 90 day delinquency in XXXX of XXXX from XXXX, but no reporting from XXXX. I also uploaded a letter to their site outlining the call. 2. XX/XX/XXXX, XXXX-uploaded a letter on their website requesting that they correct the reporting. I saved a copy. 3. On XX/XX/XXXX @ XXXX I sent Sunwest an email to their customerservice@swmc.com site, requesting corrections and attached copies of my credit reports and my spouses who is a co-borrower. On XX/XX/XXXX I received a template email that it had been received. 4. On XX/XX/XXXX, XXXX. I emailed them again requesting a response and correction with no response. Template email received 5. In early XXXX, I uploaded a 3rd letter with copies of my credit reports to support my dispute of incorrect reporting. 6. I received a letter dated XX/XX/XXXX form SunWest stating that they had tried to contact all 4 credit bureaus but could not confirm whether any delinquencies were reported by the credit bureaus as our reports were masked due to the Chapter XXXX bankruptcy. I sent them copies from all XXXX bureaus. 7. XXXX XXXX I contacted SunWest and spoke to my representative XXXX to follow up and she had no answers for me. 8. On XXXX XXXX. I sent yet another email to their customer service email address with copies of my credit report with no response to date. CREDIT DISPUTES 1. In XXXX I sent a letter of dispute via certified mail to each credit bureau. I received responses from 2. a. XXXX XX/XX/XXXX ( report XXXX ) reported Open/Never late for my SunWest mortgage b. XXXX XX/XX/XXXX ( XXXX ) Late 90 days delinquent, verified by lender c. XXXX-No response but my credit report states Late 90 days 2. On XX/XX/XXXX I sent a second round of disputes to each and have not received a response to date. 3. My spouse ( XXXX XXXX XXXX XXXX ) and co-borrowers credit is reporting current for all XXXX bureaus. Here is where it gets somewhat convoluted. My spouse ( co-borrower ) and I filed a Chapter XXXX bankruptcy in XXXX of XXXX due to my XXXX XXXX medical bills and entered into loan modification with Sunwest. Our original loan with them was account # XXXX. After the loan modification we were issued a new loan # XXXX. Both bureaus have the loan numbers mismatched. Respectfully, I have tried phone calls, emails, uploading and certified letters with only 1 response from Sunwest, which I believe to be fraudulent as we are all abele to access the credit bureaus with a 60 day delayed response. My spouse and I have been working very hard to increase our credit scores so that we may refinance and seek another lender. I believe Sunwest is aware of this and is purposely stalling and being non-responsive. Lastly, we have contacted all 3 credit bureaus and they have not made any changes per the lenders confirmation. Please correct my report to read as current. Best regards, XXXX XXXX XXXX XXXX
Consumer Consent Provided	Consent provided

5471959

2022-04-20

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2022-04-20
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-04-20
Consumer Consent Provided	N/A

6974241

2023-05-13

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports

Issue	Incorrect information on your report
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Credit reporting, credit repair services, or other personal consumer reports
Sub Issue	Account status incorrect
Sub Product	Credit reporting
Date Received	2023-05-13
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-05-13
Complaint What Happened	After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
Consumer Consent Provided	Consent provided

4768074

2021-09-30

Struggling to pay mortgage

Mortgage

Issue	Struggling to pay mortgage
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2021-09-30
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2021-09-30
Consumer Consent Provided	Consent not provided

6463808

2023-01-20

Incorrect information on your report

Mortgage

Issue	Incorrect information on your report
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Issue	Account status incorrect
Sub Product	Conventional home mortgage
Date Received	2023-01-20
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-01-20
Complaint What Happened	Sunwest Mortgage is reporting a late on my credit file that needs to be removed. I was refinancing my home and working with the title company and sunwest and my lender on this. Everyone advised me to not make a payment because it would mess with my refinance and that the title company would issue the final check that would pay off my loan so I did as I was told. However, even though Sunwest was aware of this, they placed a late on my credit even though they got the payment from my title company. This is not my fault and the late needs to be removed.
Consumer Consent Provided	Consent provided

7417362

2023-08-17

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports

Issue	Problem with a credit reporting company's investigation into an existing problem
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Credit reporting, credit repair services, or other personal consumer reports
Sub Issue	Their investigation did not fix an error on your report
Sub Product	Credit reporting
Date Received	2023-08-17
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-08-17
Complaint What Happened	The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer Consent Provided	Consent provided

2909642

2018-05-17

Struggling to pay mortgage

Mortgage

Issue	Struggling to pay mortgage
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2018-05-17
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2018-05-18
Complaint What Happened	CFPB To whom it may concern : My name is XXXX XXXX XXXX and I want to launch a complaint against my mortgage company SunWest Mortgage Company, INC NMLS ID XXXX. In XX/XX/XXXX my employer filed for bankruptcy and I was laid off, at the time I was able to secure employment with a company that worked per contracts, however, the company was based out of XXXX and there were times that we will go with no work for 2 or 3 months and whatever monies we had was getting depleted. In XX/XX/XXXX I was let go from that company as well and was unable to secure employment in my field with a comparable salary in my vicinity. My husband and I had started our own business in XX/XX/XXXX so I decided that we will try to get the business going as I kept looking for a new work opportunity. On XX/XX/XXXX we started to fall behind in the mortgage and so on XX/XX/XXXX we made the XX/XX/XXXX payment and we had requested a Loss mitigation package as we wanted to get caught up with the payments. The loss mitigation package was sent to us on XX/XX/XXXX, we sent the package back but on XX/XX/XXXX they send us the denial letter stating we were denied due to incomplete documents, even though it was just a month from when we received the package. We requested the documents again, I got the letter dated XX/XX/XXXX with the documents I had requested to be able to apply one more time, but by then I was told I could not make a payment anymore because our property was sent to Foreclosure on XX/XX/XXXX. We have been told that once you send the loss mitigation package to be reviewed they cant accept any payments until the review is process. We sent those documents back and received confirmation they got them on XX/XX/XXXX, on XX/XX/XXXX I called and was advised all docs were received and the file was with the Underwriter and no docs were needed at the time. On XX/XX/XXXX additional documents were requested, sent those back as well, and our request was denied. Unfortunately, I cant find the denial letter for that application, but we went ahead and applied again on XX/XX/XXXX and on XX/XX/XXXX we got an additional document needed letter dated XX/XX/XXXX, but it only allowed me 15 days to submit the documents, which contrasts with the previous ones of 30 days. Unfortunately, I didnt realize this and sent the documents past the time frame, so then again, I was denied for incomplete application as per the letter dated XX/XX/XXXX. Please keep in mind that every time I was sending a complete package according to the income, expenses requirements stated on the XXXX like paystubs and P & L. On XX/XX/XXXX I sent yet again another package, received letter confirmation dated XX/XX/XXXX, again they asked for more docs on letter dated XX/XX/XXXX, I sent them, I called XX/XX/XXXX and they stated they received them and file with Underwriter as of XX/XX/XXXX. I received a denial letter on dated XX/XX/XXXX that states between many things, that because we are now over 12 months past due we dont qualify for pretty much anything that is not an FHA HAMP and we didnt qualify for that because my payment was greater than 40 % of my income. I then sent an appeal to the denial on XX/XX/XXXX since my husband had gotten a Part time job in XX/XX/XXXX that had increased our Income and so I was using him as a Non-BW contributor. They sent me another letter for even more documents date XX/XX/XXXX, Mind you I had just sent the proof of his income with the appeal Paystubs and new P & L for our business but now they also wanted information about repairs needed in the house since Hurricane Irma had done some damage back in XX/XX/XXXX. ( Please keep in mind that on the previous denial dated XX/XX/XXXX they didnt mention anything about the damage being an issue on the modification review ). I sent all required documents on XX/XX/XXXX and in letter dated XX/XX/XXXX they denied us again, this time because The repairs have not started yet and hence repairs would drain our monthly resources However, we had sent documentation showing that the claim was submitted to the insurance company and we are pending the payment to start the repairs. That Brings me back to the last application I sent and it was received on XX/XX/XXXX. I sent a new application because I have now secured a full time job, so I my income has changed. But then again they are asking for a list of documents in excess of the documents needed and requested, and I honestly believe that they are trying to make this process to cumbersome that no matter what I try I wont be able to save my home. For Example, This application was submitted on XX/XX/XXXX. Why am I being asked to submit my XX/XX/XXXX and XX/XX/XXXX XXXX forms when they already have my XXXX form filled with which they can obtain my transcripts if thats what they needed? And on top of that to ask for also my tax returns again? Why are they asking for clarification of deposit for the business account? Dont they know is a business and so there will never be a deposit equal to the other since the invoices are never the same? Is this really necessary? Please, if there is anything you can do to get this process done and reviewed once and for all. All I have been trying to do since I was only 2 months past due is resolve this issue and keep my house. The longer this takes the more I owe and now I cant even try to get caught up at all!!! If you go to their website and request a loss mitigation package it only gives you the XXXX and not all the other documents that need to be filled out. You have to dig in to find out that you also need a XXXX and Expense sheet, and so may other things. I also have an issue with them requesting that we send proof of our GAS expense because they believe that Im not putting enough expenses on my disclosure. I am applying for the loan modification with my XXXX income and my Self employment income, both of these combined are now sufficient to pay my mortgage and as I am the only one on the loan I only sent the expenses based on what I pay. Remember that I live with my husband and he pays for some of the expenses on my household. I dont pay for everything there is to pay so how can I prove this? I believe they are being unreasonable on the amount of documents they are asking for continuously. I have paystubs and P & L, I have sent both and bank stmts sustaining my income, taxes can be obtained with the transcripts from IRS even though i have sent the actual tax returns as well. They are making this very difficult and because of this back and forth of additional unnecessary documents too much time has passed and we are unable to get caught up unless a modification is approved as we now owe over twenty thousand dollars including attorney fees. To my understanding as long as the documents are sent for review within a certain time frame of being originated Ie : Bank statements ( 30 days from UW review ) There should not be such thing as Refreshing of expiring documents. Is this correct? Because that is what they are requesting now amongst other things. They have also sent contradictory letters in regard to our denial on the last application. One letter says it was because of the house damage, and the other letter sent after says it was denied due to incomplete documents. This company seems to be incompetent and not borrower friendly. I tried to make a payment back in XX/XX/XXXX but I was not allowed because I called 1 day too late. Also an agent has told my husband as well that once they get the loss mitigation package no payments can be made. And ever since the nightmare has not stopped. I have attached : * Copy of denial letter dated XX/XX/XXXX ( income denial ) * Copy of the Appeal additional documents requested. ( appeal to include Non-BW new XXXX XXXXncome ) * Copy of the last applications denial letter dated XX/XX/XXXX. * Copy of the 1st request for additional documents from application started on XX/XX/XXXX. * Copy of the 2nd request for additional documents from application started on XX/XX/XXXX. Please Help me.
Consumer Consent Provided	Consent provided

5185112

2022-02-04

Struggling to pay mortgage

Mortgage

Issue	Struggling to pay mortgage
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2022-02-04
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-02-04
Consumer Consent Provided	N/A

3399322

2019-10-08

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2019-10-08
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2019-10-08
Complaint What Happened	Charging excessive unexplained fees over the last few months when monthly payments have been made on time. Fees are shown on statement as " corporate advance ( s ) '' and now another fee has been charged for {$300.00} with a description of " Payment of Preservation Fee ''.
Consumer Consent Provided	Consent provided

428927

2013-06-11

Loan servicing, payments, escrow account

Mortgage

Issue	Loan servicing, payments, escrow account
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2013-06-11
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	No
Date Sent To Company	2013-06-12
Consumer Consent Provided	N/A

2675029

2017-09-15

Trouble during payment process

Mortgage

Tags	Servicemember
Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	VA mortgage
Date Received	2017-09-15
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2017-09-15
Consumer Consent Provided	Consent provided

5972628

2022-09-12

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	SUN WEST MORTGAGE COMPANY, INC.
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2022-09-12
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-09-12
Complaint What Happened	I applied for the Homeowner Assistance Fund ( HAF ) program with the Department of Economics and was approved. I notified my mortgage company Sun West Mortgage that I had been approved for mortgage assistance and had been approved. I sent the approval letter. On XX/XX/2022, my mortgage servicer Sunwest Mortgage Company received payment from HAF and on XX/XX/2022, my mortgage servicers return the payment to the sender. I have sent several emails and phone calls requesting the reason for this. I do not want to lose my home and am asking the company to not Refuse these payments. HAF has agreed to pay. PLEASE WORK WITH ME
Consumer Consent Provided	Consent provided

Date of last update: 03 Mar 2025

Sources: Florida Department of State

SUN WEST MORTGAGE COMPANY, INC. - Florida Company Profile

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