If I could give a zero rating, I would.
I have never in my almost 40 years on this planet dealt with any place so deceitful. I was given a pre-approval at the beginning of March. With that I found a home to which it was sent through the underwriters and at that point given a conditional approval. I jumped through hoop after hoop. I did everything they asked me to do. In this time, I paid $500 earnest money $250 Due Diligence, $500 for a home appraisal (to J.G. Wentworth), and $425 for a home inspection. All of this done under the information that I would be approved with everything they asked.
They also wanted me to have a reserve in my checking account of $3000 after we closed, to which I had to ask a family member, for which to do, I had to have them fill out a form and get a bank letter stating that they have the funds to cover it. I had to get my deceased ex-husband's death certificate and our divorce record. I gave bank statement four different times. I had to hunt down a person that worked at a realty company I used to rent a house from. The company was no longer in business, but that didn’t matter. I still had to locate an employee that worked there at the time just to fill out a paper that stated I made all of my payments on time. I did this. The impossible, but still managed to do it.
I've done the impossible for this company. Every hoop they threw at me I did what was asked. All this with the idea that I would have my home loan. A day before closing they come to me and say that my Debt to Income didn’t meet what it needed to be because they were using income from two years earlier, which was before I got my promotion. I have been in my current position a year and a half. A day before closing, after I have spent $2600 getting everything together to get in this house, they deny me the loan.
Don't trust this company. I'm begging you go someplace else.
Bottom Line: No, I would not recommend this to a friend