Gateway First Bank

To whom it may concern,

Cody is the best loan officer I have ever used! If you want a responsive, friendly, and open transaction he is your guy. He got me the best rates, stayed in contact as to the best timing for locking in my rates, and kept me posted at every step along the way. He is so easy to work with and you feel right at home with him from the moment you meet him. I recommend him wholeheartedly to everyone I know who's in the market. I will be buying an investment property in the near future and you can be sure Cody will be who I go to.

Jenn ** was and is the most professional person that I have every worked with. She went out of her way many times to help and resolve all of our questions and concerns, provided a superior quality of of service. She is a topnotch employee and should be commended for what she does for your company. I am so glad that I had the experience to work with Gateway. Thanks Jenn!

Victor ** served as my Loan Officer and did an outstanding job in listening to my refinancing requirements and delivering top notch service every step of the way throughout the entire process. I was truly pleased with the short amount of time we were able to accomplish everything and close in the time frame we agreed upon. Best experience I've had with a mortgage company by far.

It was real smooth experience on buying my first home through a lender. Everybody stayed in contact and kept me updated, and helped me and answered any question that I had. They process was simple and quick. I would used this company in the future and would recommend to family and friends. They made it possible for my family to enjoy our new home.

We could not be happier with the care and attentiveness that our mortgage team has provided. We are first time home buyers and are truly impressed by the service we received. Would not recommend anyone else. Thank you Marcia ** and Marcy **, Grand Prairie office.

My homeowner's ins. is paid by Gateway Mortgage. It was cancelled 3 times for not being paid on time. Got it started back up and they paid it 3 times in a 4 month period . Gateway says not their fault, ins fault. Ins. says Gateways fault. Both tell me to fix it. I had nothing to do with this, but Gateway has raised my payment by $130.00 a month so they can get the money back that they (not me) overpaid. I put my home up for sale to get away from them. I would never tell anyone to do business with them. I was never allowed to talk to anyone but the person who answered the phone. C S in Warsaw Mo.

DO NOT DO BUSINESS WITH GATEWAY! Horrible experience! My wife and I called Jeff **'s team to do a refi as we were with Gateway for our original mortgage. In between our refinance Jeff quit the company and went to Loan Depot, still kept us on as clients just never told us he left Gateway. We didn't find out until the middle of the refinance. He advised us to not make our July payment and request a payoff for the end of month. End of July comes and Jeff is no longer in the picture as he went back to Gateway Mortgage and we had to start all over.

Our experience with Gateway has been miserable. They have been horribly unprofessional and unreasonable with us concerning a payment discrepancy. We had a FICO score over 800 before Gateway implemented a change in our mortgage payment without ever providing so much as an email to inform us of the payment change. We had never, ever been late on a payment. Gateway provide NO proof of service that our payment was changing. Our automatic payment was submitted as scheduled, well in advance of the due date and Gateway did not credit the payment because it was not the full amount. When we contacted them to address the issue they were rude, disrespectful and flippant about the entire matter. After a year there has been no resolution. I would not recommend Gateway under any circumstance.

The company kept on charging PMI even after the 80% of value met. The insurance department did not drop the automatic deduction. Efforts to have them credit/refund the excess amount were fruitless. Appointment to talk to anyone was like an appointment to the moon. Pocketing un-earned money is not fair and I hope to get another mortgage company and stop doing business with a company which is not sincere and transparent. If they called, then it was "ExACTLY WHEN I HAD INFORMED THEM THAT I WAS AT WORK AND CANT TALK ABOUT MY PERSONAL MATTERS". I had a very dry customer service experience and counted as just a number to them.