M J Ervin BSN R.
I moved to Georgia from Wisconsin
I moved to Georgia from Wisconsin. My son already living in Georgia told me about Divvy because myself and my younger son was planning on moving to Georgia after he graduated high school. I didn't know Georgia at all except for me visiting him. My son gave me a flyer from Divvy and I called. I was a little unsure because I was still living in Wisconsin and flying back and forth trying to look at homes while also working was a bit taxing. My son and his then girlfriend were looking at the homes for me that I selected on Divvy's Website. I wasn't getting anywhere because everyone kept outbidding me. I must have put offers in on at least 5 homes and it just didn't seem like it was working out. I started with Divvy in April of 2022 looking for homes. I wanted to stay within my budget. So now we're in September of 2022. My son started looking at homes for sale off of the website. He found another home I really liked. I got in touch with Divvy's Agent and she and my son face-timed me and I really liked the house and then I went down to see it. Surprisingly I was able to secure it. The first year I was credit ready to buy it but during the second year October of 2024 I got my credit score up and was ready. What happens, Divvy changes their payment reporting company and that company also had reported I missed a payment when I didn't. This happened in December 2024. This dropped my credit score 96 points and guess what? My lenders shut me down. I was livid. I called Divvy cursing them out and they told me to tell my lenders what happened and to ask them for a rescoring. The lenders were looking at me like I was crazy. I was emailing Divvy cursing them out because not only had this affected me. I was worried about my sister because I also had told her about this program and she had gotten a Divvy home also. Well, this meant my rent increased another $70 for the next year as said in the contract so I said ok, I will keep going although it wasn't fair. The beginning of the next year during March 2025, I was ready again and then they wanted me to buy the house way over appraisal amount and at the amount they had set for that year per the contract which was $15k over appraisal amount. And then they wanted $42k, down and I kept fighting with them and then it went to $32k. I went through Rocket Mortgage as my lender and they helped me secure an FHA loan and were explaining everything to me along the way. They encouraged me to write letters to Maymont and explaining to Maymont what had happened with Divvy when they caused my score to drop. Unfortunately, the old Divvy employees were still in the office and they kept giving me robotic answers as in they can't do anything. So I found out the new Owner's information an emailed them and sent the emails I had sent Divvy when they had caused this infraction. I also included Rocket Mortage and my family attorney in on the emails to Maymont. I kept every email I sent them regarding anything and everything that happened between myself and Divvy. It seemed like a long process, and I thought it wasn't going to happen. My Rep at Rocket Mortgage texted me maybe a couple of weeks later and asked me did I see the email from Maymont. He said they agreed to give me the house at the appraisal price. Now that was just great because that also brought my downpayment down and they ended up giving me credit for the downpayment I gave to get into the home when I contracted it and I closed on May 23. 2025. I didn't really have very many repairs while with Divvy. The previous owner had taken care of the home very well. I think I may have called a plumber twice in 2 years and the problem ended up being a septic tank problem and they got them to come out and took care of the problem. And then as a result of the first winter storm one of the trees feel in the backyard and they got a tree service to come out and remove it and they also cut down 2 other trees that were dead. Divvy, however would not pay for Koi Pond maintenance because it was manmade by the previous owner but that was ok with me. I was able to find a Koi Pond company to come service the pond, and I also had a friend who owned a contracting company. It was a little pricey but well worth it. So yes, it was kind of rough, but it was worth it in the end. I prayed a whole lot and more than usual from beginning to end of this process. I also was working with some really great and fair and understanding people, My son and his then girlfriend. My Divvy Agent Selissa. My Rocket Mortgage Rep Jeff K and the President of Maymont homes. Oh, and the closing title company. This was very stressful and at times brought a lot of tears but in the end it was worth it. There is definitely power in prayer. Me and my family love our home and we are happy. 05/23/2025 I am a homeowner! I own the home I love. This the only way I can give this a 5 star rating. Oh and they prorated my rent and sent me a check back after closing