Mortgage companies lack security
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@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
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@Jason I just went through a similar issue when I finally sold/closed on my previous home. I drove 3 and a half hours and hand delivered/signed all of the documents and paperwork. It took me nearly 2 years to sell the house and I didn't care to leave anything AT ALL up to chance...
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@Jason said:
@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
Ughh I have horror stories... none of them technical like this one... but horror stories none-the-less.
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@coliver said:
@Jason said:
@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
Ughh I have horror stories... none of them technical like this one... but horror stories none-the-less.
The funny thing is they got all stricked on it because of the housing buble but all of it is pure BS and doesn't really stop people from getting a house they can't afford as long as they know how to work the system (money has to be in the account more than 60 days not to be checked) but those of us not knowing that get a million things to back up with wanting to know where each deposit comes from.
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@Jason said:
@coliver said:
@Jason said:
@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
Ughh I have horror stories... none of them technical like this one... but horror stories none-the-less.
The funny thing is they got all stricked on it because of the housing buble but all of it is pure BS and doesn't really stop people from getting a house they can't afford as long as they know how to work the system (money has to be in the account more than 60 days not to be checked) but those of us not knowing that get a million things to back up with wanting to know where each deposit comes from.
I can honestly say that was one of my horror stories... the bank wanted to know where a $5.27 deposit came from and why I didn't have any paperwork for it. I have no idea why this deposit and not the other very large ones that I also didn't have paperwork for came into play...
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Last time that I bought a house they were freaking out about the downpayment and we had enough cash in the account to cover the entire house. Sometimes they freak out in one direction, sometimes in the other.
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@coliver said:
@Jason said:
@coliver said:
@Jason said:
@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
Ughh I have horror stories... none of them technical like this one... but horror stories none-the-less.
The funny thing is they got all stricked on it because of the housing buble but all of it is pure BS and doesn't really stop people from getting a house they can't afford as long as they know how to work the system (money has to be in the account more than 60 days not to be checked) but those of us not knowing that get a million things to back up with wanting to know where each deposit comes from.
I can honestly say that was one of my horror stories... the bank wanted to know where a $5.27 deposit came from and why I didn't have any paperwork for it. I have no idea why this deposit and not the other very large ones that I also didn't have paperwork for came into play...
Same here. I had to provide documentation for every deposit... they don't like you selling things on craigslist either.
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@scottalanmiller said:
Last time that I bought a house they were freaking out about the downpayment and we had enough cash in the account to cover the entire house. Sometimes they freak out in one direction, sometimes in the other.
I have a lot of money in my account and will be able to pay the house off in like 3 years. But they are still freaking out about a few months of employment gap a few years ago when I was sick, even though I have medical evidance of the reason for temporarily being off while getting treament.
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@Jason said:
@coliver said:
@Jason said:
@coliver said:
@Jason said:
@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
Ughh I have horror stories... none of them technical like this one... but horror stories none-the-less.
The funny thing is they got all stricked on it because of the housing buble but all of it is pure BS and doesn't really stop people from getting a house they can't afford as long as they know how to work the system (money has to be in the account more than 60 days not to be checked) but those of us not knowing that get a million things to back up with wanting to know where each deposit comes from.
I can honestly say that was one of my horror stories... the bank wanted to know where a $5.27 deposit came from and why I didn't have any paperwork for it. I have no idea why this deposit and not the other very large ones that I also didn't have paperwork for came into play...
Same here. I had to provide documentation for every deposit... they don't like you selling things on craigslist either.
Only thing that they made me show was my paycheck, which made no sense as it was... my paycheck.
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@scottalanmiller said:
@Jason said:
@coliver said:
@Jason said:
@coliver said:
@Jason said:
@coliver said:
If they'd accept it you could use 7zip to make an archive with a password and all your important data. Then you could use one of those services to deploy it.
They barely accepted my PDF with a password. I don't think they'd do that. I'm just ready for this to be over with. It's one insanity after the other. Home buying is super crazy now days.
Ughh I have horror stories... none of them technical like this one... but horror stories none-the-less.
The funny thing is they got all stricked on it because of the housing buble but all of it is pure BS and doesn't really stop people from getting a house they can't afford as long as they know how to work the system (money has to be in the account more than 60 days not to be checked) but those of us not knowing that get a million things to back up with wanting to know where each deposit comes from.
I can honestly say that was one of my horror stories... the bank wanted to know where a $5.27 deposit came from and why I didn't have any paperwork for it. I have no idea why this deposit and not the other very large ones that I also didn't have paperwork for came into play...
Same here. I had to provide documentation for every deposit... they don't like you selling things on craigslist either.
Only thing that they made me show was my paycheck, which made no sense as it was... my paycheck.
They had me show that as well.. Odd though since it's direct deposit and says what it is.
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I have a story about that! In my case it was my legal firm, they were even worse!
Privacy story time. A law firm (I've since fired) had those "legal" notices in all their email they'd send me. I told them multiple times that email is considered public and any information sent via email is the equivalent of shouting it on the street corner. Nothing happened for the longest time. Then I get an email from them out of the blue "Your closing documents are ready." Closing documents, what closing documents? Suspecting spam/phishing I check the header and it's really from who it says it's from. All the scans of the pdf they sent come back as clean, so I take a look. They had sent me the closing documents for some poor guys house. I had ALL his and his wife's PII (personally identifiable information, I've done too much PCI compliance by now.) Fired off another reply, copying the state attorney general office, this time including a couple of references to Ohio law cases that made it clear email is a form of public communication unsuitable to any sort of private correspondence, no matter what sort of disclaimer is contained within said email. Haven't heard from them since (good riddance.)
Guess if I ever turn to a life of crime I'll be all set for using an alternate ID..... Not really, deleted it after having finished dealing with the AG's office. Wish they would have let me know what came of that whole deal.
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It's sadly very common for lawyers to be the ones that know this stuff the least or take the least interest in it
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@scottalanmiller said:
@dafyre said:
The moment my mortgage company asks for that, is the moment I start looking for a new one.
When you find one that doesn't do that, let me know.
My Loan Officers when I started looking for a house requested password protected zip files. (not perfect by any stretch of the means, but better than plain text!)... My actualy mortgage company requires stuff to be uploaded to their web portal (which is suprisingly behind SSL, lol).
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@dafyre said:
My Loan Officers when I started looking for a house requested password protected zip files. (not perfect by any stretch of the means, but better than plain text!)... My actualy mortgage company requires stuff to be uploaded to their web portal (which is suprisingly behind SSL, lol).
They great. These people acted like I was insane.
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Meh, i know my bankers and attorneys. None of the horror stories you all have.
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@hubtechagain said:
Meh, i know my bankers and attorneys. None of the horror stories you all have.
Bank options are few and far between. Not many choices for most of us. Attorneys we select, so never see these issues with OUR attorneys. But attorney clients... wowzers.
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oh man, i think the only thing we have more of in hattiesburg than churches is banks..... we're a smallish city, but i can think of 10+ individual banks each having up to 10 branches in town lol.
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@hubtechagain said:
That sounds like my home town... Except there's 3 banks and probably 60 churches.
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