Gateway Mortgage

My contract was sold to Gateway and when I started my payments they were a little over $100 cheaper. I called and asked why my payments were cheaper. They told me that they were giving me a better deal. I called and asked again why the difference and I got the same story. At the beginning of year two I was told I had not been paying enough so they were having to make my mortgage payment larger. I was a single mother on a very fixed income. I struggled with making the payments but made them. Fast forward to 2016 I ended up unemployed and tried like hell to get them to work with me on making a hardship package. They denied me every time. I was finally able to get a job but not before filing bankruptcy to keep my home.

After my mortgage was transferred to Gateway, they changed the terms of my contract so that they use any extra money I pay on my principal to earn interest for the company while denying me the right to pay my mortgage down faster! I would have thought that was illegal, but apparently not. Stitt is running for governor...

Our issues started when we were supplying the original documents Gateway needed. We would email them documents and they said they never got them and would have to send them 3-4 times. Once the loan was established and we started making payments the 1st 3-4 went through ok, then we had to stop a check through the bank because it went to the wrong P.O. Box that they gave me.

I have been trying to get my home reappraised to take the PMI off of my loan. Pretty simple right? After multiple calls and conversations I was quoted $325 & $425 for the reappraisal fee, either fee is fine just get it correct. Second I called to start the reappraisal process and the representative then says "ok I'm ready for the account and routing number when you are." I ask "do you not accept and credit or debit card for the payment fee?" "No sir we do not." "Can I go online and pay the fee?" "Let me check."

Addition principal not posted to mortgage balance. They posted it unapplied. Having to phone Gateway custom care every other months and monthly about check not posted. I wish they would sell my loan. I sick and tired of Gateway. I pay auto draft on mortgage monthly. No problem there. Problem when I mailed check addition amount to mortgage balance. I wouldn't recommend if you can help it. My loan was sold to them. I had no choice. 10 Sep 2018 $560.56 Unapplied Amount. 09 Sep 2018 $560.56 Payment.

I would never recommend assuming an existing loan. It took 4 months and Ron ** was assigned the account and would not return emails and had a full voicemail and would not answer phone calls so we were stuck wondering how it was progressing. I was told sent to underwriters a month before I was. Now it finally closed and got email I still owe debt and late charge because they have not completed paperwork to change name on loan. Never ever use Gateway for assumption process.

This company cost me $800! And no house. When you go to get pre-approved for a mortgage, you generally get something that says you are good for this much funding to buy. So you then go looking. We never got anything from Gateway other than a verbal good for around 80k. So on that we (I and my Realtor) went looking. All the while sending documents and other information as requested to Gateway so they can process loan paperwork... "Yes; you are good to go Mr **..." Got that a lot of times. We found a house. Put earnest money on it and paid to have it inspected. We're set to target closing date. Get calls back from Gateway saying that they could not get our application through Underwriting. This was supposed to be done already. Liars, Deceptive practices. I would recommend NOT doing business with these people and find someone who does not have this history. Apparently they do this a lot.

Worst experience I've ever had, I pay my mortgage to only have them to tell me they didn't receive it. When I send them proof they say they will investigate it and then tell me I'm behind so I started a year ago sending payment with certified check and certified mail. Been paying over $5000 a month to "get caught up" because they still can't find my payments that I showed bank statement proof. I finally get "caught up" and now they started sending my payments back and telling me I'm behind, well I guess so if you don't accept my payment then I guess I would be never had an experience so difficult to make payments on.

I've never experienced a company that makes it so difficult to give them money, and when you can get logged in you'll be charged a service fee to make your payment. I think these folks are a bunch a crooks. I didn't choose this lender as my original lender sold my mortgage to them. I'm hoping Gateway sells this note or I sell my house to get away from them.

These people have totally wrecked what was working perfectly fine. Now it is impossible to log in without contacting the unhelpful representatives. So labor intensive just to pay a stupid bill. So mismanaged! And this guy wants to be governor? Right.

I have tried unsuccessfully for three days to log onto the Gateway system. I keep getting an error message that just says "try again" with no clue of what is incorrect. I finally called customer service today and after waiting on hold for 10 minutes while one recorded message interrupted another almost constantly spoke with a customer service representative. She said the system had been changed on March 20 and I needed to register again. I did that and got the same message. I shortened and weakened the password I wanted to use because the Gateway system does not allow any special character. I tried four times while I was on the phone with the woman.

I have asked them and asked them to stop bothering me... Random phone calls to "check in". They even felt it necessary to send me a birth announcement when the local manager had a kid. They arbitrarily raised my escrow only to adjust it back and the whole loan process was a real pain. You will be much better served by ANYONE else.

This is not a reputable company. Check the reviews. They said they could do a deal and couldn't. I would strongly recommend against doing any business with them. I sure wouldn't vote for their CEO of for the next Oklahoma governor.

I bought a home for me, my new wife, and son to move into after our marriage. We used Gateway because our realtor referred us to them. Hindsight being 20/20 we should have shopped around. It would have saved us money, or put us in a much nicer home. Gateway pressured us into closing so that we wouldn't shop around and discover that we could have gotten a lower rate. We bought the home 6 months ago, and for a monthly payment at the top side of our budget. We just received the statement for our taxes and discovered that our house payment is going up $350 a month! Taxes are going up $150 and escrow is going up $200. Their miscalculations may very well put me and my family out of our home.

My wife and I used Gateway Mortgage for our home loan at the recommendation of our realtor. The Gateway team worked fast and hard for the majority of the process, but made a critical mistake at the end of the process that was very costly to our family. From the earliest moments in the home buying process, Gateway Mortgage set our closing date for Friday, August 11th, which was reflected on all documentation sent by and to Gateway Mortgage Company. On August 9, my realtor called me to inform me that the closing date had been postponed, and that we would not be closing for another 4 days. According to the contract and terms, this was an acceptable move by Gateway Mortgage and they were well within their legal right to do this. While this move was personally annoying, it was not illegal.

Gateway approved us 2 different times for loans and they were kicked out in underwriting after we paid $10,000 in earnest money fees, appraisals, and surveys. Our situation was unique and hard to work with due to a recent career change. Gateway was overconfident that they could deliver. The reasons for our denial were understandable due to the career change but it was basic information that we had provided and discussed various times over the course of 5 months. It could have and should have been avoided. Our file should not have made it past the first phone call. It does not take underwriting to figure that out. They got greedy and tried pushing not one but two loans through and gave us advice that led to a loss of $10000. We are seasoned home buyers and our only reason for using Gateway was because we were referred to them.

I applied for a Mortgage with Gateway Mortgage in May of 2017. I did exactly what they asked me to do...bring in paperwork, pay down credit cards and pay other bills off. The appraisal was done in September. Clarke at Gateway Mortgage calls me on October 24, 2017 and says that our car notes are too high and I needed to refinance my car. I told him I financed it at 4% when I bought the car last year. So I called State Farm and tried to refinance my vehicle. They approved it at the same interest rate. Clarke at Gateway Mortgage has not returned my calls. He’s very unprofessional and this company is a broke joke. They have wasted six months of our time!!! Don’t go to Gateway Mortgage...you will waste your time!!!

Applied for a HardShip 3 times to get monthly payments lower - Me and my husband was lied to and asked to provide all kind of silly information. Were lied to by Shannon ** and Laurel **. Then was told, "Oh yes your file is looking good." But every week they kept coming back saying we need more information until we just got tired of the song and dance.

My husband and I purchased our first home recently. We work on the road but Tennessee is our "home". Our realtor suggested using Gateway so we decided to switch mortgage companies. Luke ** said he could have a faster turnaround with better rates. After a month of having all our information everyone was ready to move forward to closing. We scheduled time off for the closing. I asked Luke if he needed anything else for closing, he replied no. That following week we found out Luke never received a VOE from one of our companies we worked for, and it pushed our closing to a different week derailing all plans. We never heard from Luke after that. We did not know that when we closed, they expected to do a wire transfer. Our bank did not have a branch in Tennessee. We had to drive 3 and a half hours into Kentucky to complete our end of the closing, then drive back. We had just drove 641 miles to Tennessee from PA.

A couple of days ago I got a letter from Gateway saying that my insurance on the property I have mortgaged with them was expired and that they would take action to force me to use their internal mortgage insurance plan unless I did something immediately. I called my non-Gateway homeowner's insurance company and found that the insurance had expired on September 12 and that the new policy became in force on September 13. I asked how much insurance the policy provided and what the annual premium was. They provided the information. I next went to the Gateway letter and found that they wanted to provide me with $60,000 less insurance and charge me $600 per year more than my current carrier. What a deal! NOT.

Gateway is trying to tell me how and when to make my payments; it's now policy that it's FREE to pay online when recurring payment is set-up, but now if you want to pay from your checking account when you want, you have to pay a service charge. I didn't get a chance to choose Gateway Mortgage Group because the loan was sold. I don't want them to make any more money off of me if they are going to treat us like **. Maybe it is time to refinance the loan just to get rid of them? Seriously squeezing money out of us as much they can, as if the hundreds of thousands of dollars in interest isn't enough. We have to pay, to pay.

Their telemarketers argue with you over the phone and ask if I've signed papers with another refinance customer. I was called last week and last month, I was called multiple times asked to be removed politely from their calling list and that I'm already done refinancing my home. 3 times today 9/8/17 I've been called and talked to a supervisor who hung up on me.

Was a horrible experience trying to get a loan in the first place. Now all of a sudden over two years later they want to charge a fee for me to make my house payment by automated phone service. I have been doing this for at least a year and no fee until just this month. So, I went online to see about making a payment and agreeing to the terms says there is a fee to pay online too!! I could not find what the fee was going to be so I did not do that either. That's bad business! Never have paid a fee for any internet payments with any other companies. Snail mail is the choice now, Charging a fee to make an on-time house payment. Awful. Cannot recommend this company.

It is absolutely poor conducting of business. No ethics at all. We were supposed to be close on 23rd June, got extended to 29th June and then to July 10th. Finally on July 12th, we get a confirmation that the loan is declined. I lost All my earnest money and the cost for inspection and the appraisal. Nothing was delivered to us on time. This location of Office is in Frisco. Al ** and his manager Michael **, wouldn't respond to our calls (Sellers, Buyers, Agents) on the day we were supposed to close. It is very stressful situation. I wouldn't want anyone to go through this ordeal. Finally we lost the house that we wanted, and also lost the earnest money in the process. My friends and family already are aware not to do business with this company. I would advise if you want to close a house and not lose everything in the process, don't go with them. Any follow up would take a minimum of 10 calls for them to respond to us.

Do NOT use this company no matter what you do. We spoke with Shayne ** and he made us and our realtor multiple promises about getting me approved. Sent her the paperwork and everything and then when it came down to closing all he told us and the realtor was LIES!! Then when I called him out on it he says and I quote "I have been very patient with y'all but it's just not going to work out between us." REALLY cause the whole time you lied and made promises you couldn't keep!!! So not professional. Save yourself, time and heartache!! Think he got mad cause we had to contact him on a Saturday. It's ok, I will take my money elsewhere!!

Do not make the mistake that my husband and I made to go with Eric and Gabriel (Gabe) at Gateway Mortgage Group in Maitland, FL to be your loan originators. To begin, let me say that Gabriel is Eric’s assistant and does absolutely everything for Eric. I only spoke with Eric once during this process. He emailed me about my credit situation. I never heard a response from him after that so we dealt with Gabriel during our pre-approval process. My husband and I submitted our loan application on February 27th. A lot happened shortly after that with Gabriel saying that he could not pre-approve us due to my lack of credit and credit lines.

Working with them for refinance for 3 weeks. They asked for all documents, they keep saying everything go as plan. They ask for appraisal, HOA pay in full. I did all they ask and 5 days before closing they sent me letter say I am not approved??? And my credit score is 800, high income and they say they can not approved? Call them twice, did not answer or call back, sound familiar? Do not use them or you will regret with stressful situation.

Gateway Mortgage in Hammond, Louisiana office of Pat ** has put the whole act of sale for three families in the worse situation I have ever seen, when trying to close on a home by closing date. We going on our 3rd extension because she is deliberately acting like a 3 year old. She will not return emails or phone calls from the customer, real estate agent, and closing company for the other two families. After getting annoyed with the people involved, because she would not answer the phone to give simple updates on the status, she got mad and said, "I'll send the paper when I'm ready"! That attitude is costing everyone involved a lot of money that could have been avoided, hence her deliberate attitude!! In a case like this, with this being able to close the deal, the lender should have their fees deducted and any cost that the homeowners are accumulating from her deliberate behavior, deducted from her personal profits off the deal.

I have never had such a bad experience with a mortgage company ever. After being APPROVED by their underwriting department, Gateway Mortgage calling our insurance office and advising them to add Gateway to our homeowner's policy and having us paying for an appraisal order by them. We were told that they could not fund the loan (not going into details) BUT it should have been caught by their underwriting department. The Mansfield, Ohio location refuses to refund the appraisal fee and we now have to wait 4 month. This company has NO clue how to advise customers in the refinancing department or assist in anyway!!!

Me and my wife are first time home buyers and contacted Gateway Mortgage on the advice of our real estate. We worked with Raegan ** and she held our hands through the entire process. Any questions we asked were answered and she went above and beyond to help. Would recommend Raegan and Gateway to anyone in the home buying process.