My husband and I both have excellent credit, had a full 20% to put down on a loan. We understood the mortgage process (this was our third purchase - additionally, in a past life, I used to be a realtor) so we understood the value of being proactive with their demands. We started the process 60 days out! Quality companies can close in as few as two weeks or less - these clowns were still screwing things up in the last 24 hours!
Our loan officer just went away the last week of our processing/underwriting without any heads up or anybody to turn to for problems. Our loan coordinator was great but the underwriters had the file for almost a month and even the night before hadn’t even completed verifications of employment! They asked why I quit my job (we were moving across country - apparently this was a difficult thing to figure out) and I told them I had a new job lined up - they started freaking out about an offer letter (which had been emailed to them two months earlier - please explain why we are having this discussion in the last eight hours before closing?). This was just one of the COUNTLESS examples of screw-ups! I asked to speak to a manager - never had the respect to even call me!
In my time as an agent, my buyer's agents experience, the listing agent's experience, builders experience - nobody had ever seen a more poorly handled mortgage. Almost lost the house because of them!
Never! Never! Never!
Bottom Line: No, I would not recommend this to a friend
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