Consumer Complaints and Reviews
I have read so many of these negative reviews and I sure wish I had done so prior to applying to refinance my mortgage; which by the was being serviced by Nationstar! Nationstar took over the servicing of my mortgage about 3 years ago. Since then, I too have been bombarded with offers to refinance my existing loan. My loan was 10 years old and had an interest rate of 7.25. That's a lot now and it was then but back 'in the day' you could get a Stated Income loan by paying a higher rate. Bringing my payment down about $500 would be a blessing to me because I am on a fixed income. My FICO was 720-740, LTV 68% and I have never missed a payment! Slam dunk! right? WRONG!
It sounds perfect when you speak to your loan officer and everything goes according to plan until the call for the appraisal. Because laws have changed regarding appraisals (at least in Texas) the buyer nor the lender can choose the appraiser. Guess they are just lumped into a pile and it's anybody's guess! Appraiser came out 1st week in June. Waiting... waiting and still no appraisal was submitted after 3 weeks. I requested that they hire another appraiser because time was wasting. They didn't, but they (they being Greenlight) asked if I would call him and see what was going on. After several attempts, I got a text saying "oh gosh. Sorry I never finished it. My bad." Really!!! Of course this really wasn't their fault so 7 weeks later the appraisal arrives. Bad appraisal but still fits the criteria and I was still good to go.
And of course at the beginning they say it will take 30-60 days at the most to close. So I held off making the payment in the July long enough to find out we couldn't close then of course I made the payment because I wanted to protect my credit score. All of this began in May of 2016! And I'm not going to bore you with the underwriting details and excuses because clearly all of you have first hand experience.
As I stated earlier, I am on a fixed income with some rental property income to supplement, so of course I'm holding out each month as long as I can hoping to close before I have to make another payment, looking forward to that two month respite without a payment, but I always kept the money at hand to make the payment before I became 30 days late. After all the back and forth and all the bullcrap I finally signed the closing documents at an affiliate title company for Greenlight in Giddings, Texas on Friday September 23, 2016! Thank God and Greyhound it's done! But NO!! Every day I would contact Ronney, processor with Greenlight and ask 'are we were still ok. Are we going to fund?' "No problem, you'll be funded by Wednesday September 28 and your loan will be paid off and you won't have to make a payment till November 1, 2016." Phew!! Just under the wire.
So, yesterday September 29, six days after I signed closing documents, and believing that surely I must have funded and I could put that September payment I had been holding toward the repair on my truck. My tires were old and slick and I was a danger to myself and others should a blowout occur. Discount tires installed my tires the morning of September 29th. Less than 3 hours after I had spent the money on those tires, I got THE CALL! The loan could not be funded because the funding agent noticed it was a 'cash out refi' and according the powers that be at Greenlight, the cash to borrower amount exceeded Government requirements for the state of Texas.
Hell! I never asked for cash out! I just wanted to refi my loan. It wasn't my mistake, it was their mistake but guess who is suffering the consequences for their mistake. ME! I insisted they pay my payment for me, or at least grant an extension while they redrew the docs. "Sorry we can't do that! And if you don't pay the payments like you are obligated to do, you will be 30 days late, it will go on your credit report, AND you will no longer be eligible for the loan!!"
After 10 years of never missing a payment, they have destroyed in less than 24 hours, the very thing I have fought to maintain since my husband was killed. I have no other resources and the little I have in the bank won't cover the mortgage and even if it did, I would have nothing to pay my other bills, or buy groceries or gas! So either way I'm screwed! They said it wasn't personal! Well, it's damn sure personal to me! And the manager had the audacity to ask me to please not curse! Guess what I said?
Worst service ever! Don't have a clue what they are doing. Requesting the same documents multiple times. Don't know the process. Act like it's their first loan. Wish I had read the other reviews and picked another company. Called 7 different people at their company after I received an email to push the close date out a week (no notice, just an email) - all voice mail - took hours to get a return call. Don't use these guys. Screwed up my closing. Had to reschedule the movers due to their incompetence.
It is unfortunate to see all of the negative reviews regarding refinancing through Greenlight Loans. However, I have a positive review. Kudos for two people, Ryan and Janice and all others that may have contributed in my smooth process during my refinance. I am a current Nationstar client and I must say, my refinance process was completed less than six weeks. Awesome experience. GO GREENLIGHT!
I should have read the complaints submitted here for Greenlight Loans, as my experience resonates with the negative reviews posted here. I went into a recent home finance a little naive, thinking our last refinance was a piece of cake (different lender) and all mortgage refinance companies are the same. Also, we haven't had anything negative to say about Nationstar mortgage and these guys are affiliated with them, so they have to be alright. Well, not so much.
In total I received over a dozen emails from underwriting that were proxied through our contact person, scattered over a 7 week period, asking for additional documentation in piece-meal format. The experience was comparable to working with someone who has never processed a mortgage refinance before and doesn't know in advance what to ask for. The reason why they get one star for me is because the sales associate I worked with on the front end was courteous and professional, but the underwriting department did them no favors.
At the end of the 7 weeks, I felt like I was no closer to completing the refinance process than I was winning the power-ball lottery. Also, to qualify my position on the refinance for this review, my credit score was north of 770, with a 0 balance on all of my credit cards, and I had an LTV ratio of 68% in the home I am refinancing. Dealing with Greenlight Loans was a poor experience, and I will never use them again or recommend them to anyone.
My experience with Greenlight loans was absolutely positive. I was extremely impressed with Jack **, who patiently explained the process and answered all of my questions. He remained in constant contact with me throughout. I was also very pleased with Jorge **, who handled the approval and final paperwork. This was a very smooth and simple process.
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Financed insurance for our company equipment, paid a very large down payment as well as an escrow payment. Found insurance for a much better rate and cancelled the policy. I learned that we had to pay a 5.7 % unpaid premium short rate and all our down payment went to pay them for services we did not get... Think twice... these people are rude, rude, rude when you call. Avoid. Large money losses. Go somewhere else...
They call me to offer me coverage on my car. I respectfully said "I'm not interested." They keep changing their offer. I keep saying "I don't want coverage." Then their "financial manager" who was talking to me starts arguing with me! Saying "Good luck with your car when it breaks!" They are incredibly rude and unprofessional. I do not recommend them to anyone! Avoid them at all costs!
I am real estate agent located in the Summit County area of Ohio. Greenlight listed a property for $274,000 when the original owner bought it for over $500,000 five years ago. You could imagine the traffic this property had when it went up on the market. Within 4 days on the market the property had over 11 offers well above asking price. Greenlight then tells the listing agent to inform all agents with offers that they would be sending to Auction. In the future Greenlight let's not waste our time and your selling commission sucked (1%).
To set the stage... I have great credit and have owned my home for 10 years. In order to avoid an appraisal I wanted to take advantage of an offer from my current mortgage company to refi at a lower rate with no appraisal needed and little to no closing costs. According to them it would be a simple process since I met all of the requirements. I also wanted to update my last name to my married name. The name change should have been a piece of cake since I was the only one on the original loan and I was not adding my husband to the new loan. After speaking with a local Real Estate Attorney, it would just require a simple name change affidavit with my marriage license.
Come to find out, the refi would be processed through a "partnered company", called Greenlight Loans. Long story short, I should have quit after the first attempt to close. However, I thought it was best to just power through with them since it was still a " Nationstar" company and it would allow me to avoid having to provide an appraisal. My experience led me to deal with uneducated representatives, when it comes to real estate practices and proper protocol, that would have ended up with me having to pay a large amount in "gift" taxes due to something they told was required to change my name.
They were unreliable and I felt communication was inadequate. Fees were not justified clearly and overall, it was a lengthy waste of my time that got me nowhere. After almost 3 attempts to close and 3 and 1/2 months of their unorganized and uneducated protocol, I have still not refinanced and will have to go to another company. I know, I should have pulled the plug after the first attempt. I know now! NEVER USE GREENLIGHT! They do not know what they are doing. Use someone you trust and go local!
Started refinance 9/1. They already owned the mortgage. Continuous resubmission of various paperwork. Asked question from a previous marriage that happened 25 years ago but my mortgage was only 15 years old. We had a drop ceiling that I took partially down for added zones for a new furnace. We replaced the appraiser took picture and saw the ceiling tiles hanging down and wanted them completely removed. Once done they had to take pictures again. I had to pay for another appraisal. Took forever to schedule. Canceled refinance 12/18, went to Quicken Loans 10/1 closed 12/18. You do the math.
These guys need to change their name to REDlight loans. 3 months later, loss of my earnest money (3 grand), plus... associated fees with surveys, inspections, etc, closer to 4 grand, primarily for dragging their feet, sellers got fed up with waiting and giving extensions and pulled the plug on the contract. These people are just plain extremely bad news. How many closings have you been to where it took 3 months to get an answer... and then lose everything?
In the time that all this took place, 2 1/2 months later I retired from work and my income changed. I did, I did, I did suggest that I would put in more cash as a down payment in order to compensate for the income difference. Their rep. told me it was not needed. Three months on then it all came crashing in... I have since got re-qualified and my banker doesn't seem to have a problem with my finances. In any event, lost money and precious time not to mention the house that I needed... REDLIGHT... never again.
We had nothing but hassles and problems with Greenlight. They had almost 7 weeks to process our loan to meet the close date they knew about. They were late meeting our closing date that then created mess for us. Now, Karen ** who is the Purchase Processing Manager (**) has gone back on her original offer to compensate us $100 for our troubles. Of course she did - the loan has since closed and they have their money so why worry about an unhappy client?? They are unprofessional, incompetent, and liars! Stay away from Greenlight Loans!
As a real estate agent, we try and help and direct customers to the best possible resources. Unfortunately this customer chose to use Greenlight mortgage. After over a month the customer was finally fed up. The contract had actually expired and we did get it extended. Of course the seller was extremely agitated and this did help spur on the buyer. I even had emails and conversations with this loan contact person. That is what we call, in our office.. " bobblehead". I always try to encourage my customers to use someone locally. That way if a problem does arise you can make a personal trip to their office Plus you may already have a working relationship with this company / person. As far as green light goes, I think of the old song Grandpa Jones sang on Hee Haw... Agony and despair!! And they didn't deserve the 1 I had to give to submit this review. They had a real problem with telling the truth. About anything.
I have been working on this refi for months. They wanted me to pull the mortgage out of my trust, which I did and did a quick claim deed. This was notarized, prepared by my Attorney and sent to the recorder along with my preliminary change of ownership, doc transfer tax affidavit sent to assessor - county clerk recorder. Greenlight loan wouldn't accept because the date was not written in box but under it. Even though the date was by my name, signed and dated by notary. Also CA does not require marital status for quick claim deed. Greenlight then wanted marital status resend with my name on quick claim deed. Still wouldn't accept and now want the entire copy of my trust. So they can prepare the deed themselves.
My notary, Attorney and recorder's office says they are off the wall. They also would give me no price for fees title search or closing costs. Now they have all my records, bank statements, tax and on and on. I have a fico score of over 800. They want me to close my credit cards to get any money for cash out. I have had theses excellent credit cards for 20 years. This is ridiculous. Not even a great rate or lower monthly 98 dollars reduction and 4.5 to a 4.1. I think I can do better and one that follows California state law. Watch out from this company. Think I will be using another company that offers a 3.5 with my fico no problem with cash out. Will send the check to me and can pay whatever I want and keep my credit cards. I sent them so much don't feel about sending my entire trust. Even after pulled out and notarized, Attorney and recorder still not satisfied. Gosh after reading these other reviews I think this is a company not to be trusted or work with.
This is the third time I have refinanced a house and is the worst experience ever. They solicited me through one of their junk mailings and I regret calling them. The underwriter asks for documentation I've already sent plus documents that are on my credit report. Can't they just take that from my credit report instead of bugging me? The time lapsed on the application and they sent out another e-sign form. Guess what... the fees increased $1500. Do yourself a favor and stay away from this company.
I've just emerged from five months of hell dealing with Greenlight Loans. DO NOT DO BUSINESS WITH GREENLIGHT LOANS -- you will regret it. It started when I responded to one of the pieces of junk mail I received from them each month about how I could reduce the interest rate on our condo mortgage. It is now about 6.75%; they promised to bring it under 4%. This was in late May. First call was promising. Joseph was helpful, sharp, took my information efficiently, and assured me that given my income and credit score a refi should go smoothly, with minimal documentation and hassle. Boy was that inaccurate.
From that point forward, dealing with Greenlight was a nightmare. The demands for more documentation were constant. The lack of communication from them was exasperating. One roadblock after another presented itself. We had to nag them via email at least once a week to find out where our loan was. Each time, we got a response (two days later) that the "underwriter needs more documentation." We wanted to take some cash out. They asked us how we intended to spend the money (I was tempted to tell them to sod off, but I didn't). The underwriter then insisted that we use the cashout to pay down some existing credit debt. We said, "Fine." That's mostly why we wanted it anyway. They said they would send our cashout as a series of checks made out to our various creditors. We said, "OK fine." That was in July.
Weeks go by. I contact Greenlight again. Now I discover that the underwriter is waiting on a report from our HOA. Has been waiting for it for two months. "WHY DID NO ONE TELL US?" I asked. No answer. We said, "Fine." We paid our HOA $200 to rush out this report. Weeks go by. We contact Greenlight again. Now the underwriter wants to see copies of our business licenses. Because having all our tax records, pay stubs, W2s, bank records, and credit reports just isn't enough for them. Find out our loan is "with the underwriter" who is still trying to decide whether to approve it. Just sitting on her desk, apparently. Every week we inquire. Same answer. Then Greenlight says "the underwriter turned it down, so we are trying to restructure your debt." "OK," we say. What the hell does that mean?
Two weeks later I contact them again. Now it's September. And they say "No," they can't do our loan because our condo "is in a commercially zoned district." Something they apparently just discovered NOW, four months after my initial contact? Like it just occurred to them to check? Personally, I think this answer is **. They turned us down because their underwriter is pathologically insane, and they got tired of hearing from us. I feel like I've been scammed out of all my personal information -- not to mention the $500 appraisal fee and the money we had to pay our HOA. A poster above had it right: These guys are pathological. NEVER DO BUSINESS WITH GREENLIGHT LOANS.
Very bad experience with this company. My loan took months to get finalized, communication with this company was horrible. Had to submit and re-submit documents because their process took so long the first set of docs became obsolete. A week before the closing I was told that the lock-in period had expired (because they took so long) and rates had gone up. I was forced to pay another 1/2 percent on my loan amount.
On my fourth acct rep, so far. I'm not sure why I keep putting up with their **! They keep saying the underwriter needs one more little bit of info. We started this loan in February? March? It's September! I have never felt more contempt for anything - not even my ex-wife was this bad. There is so much underlying fear on every level at this place and not a shred of even the simplest level of common sense. Except for Elaine, bless her heart. She actually has been thoughtful and creative, but even she is being unhinged by the "underwriter" and their insatiable need for minutiae.
They asked for mortgage payment statements for the past two months to prove we’re current on our payments for two other rental properties not even associated with the property we are applying for refinancing. They have two years of statements already. They wanted copies of signed rental agreements. Now they want new ones signed reflecting the rental increases since the originals were signed. Never mind we have never missed payments on any of our rentals. I am owner and occupant in the other apt duplex. I had to provide not just two months of gas and electric bills like they first asked for. They wanted cable, tax records, and health insurance statements as well.
Convinced I had a friend collecting my mail. I even sent a wedding invitation addresses to me at the address. So ridiculous! Proves nothing. If I wanted, I could Photoshop everything they asked me for and totally make it all up. As if more somehow proves it true. I've signed the same digital documents a dozen times - apparently they've never read them or saved any of the copies they have sent me to sign and send back, as it states very clearly that any false or misleading info is a felony offense punishable by prison and fines. Yet they still require a ridiculous amount of proof I'm not lying. NEVER USE THESE PEOPLE FOR A LOAN. SERIOUSLY PATHOLOGICAL!!!
Four months in, I have gone through almost exactly the same issues everyone else here has been dealing with. E-mail, paperwork lost, another rep, lost, same same same. Do not use! I do not have to go through all the details; just rest assured, you are better off not dealing with them. They will give you the runaround, JJ, Kim, all of them and finally tell you that you may not get approved. While all along, they could have told me this, and I would have avoided the two HARD inquiries on my credit. Do yourself a favor and go with a reputable company.
I was informed by mail that my W2 was "inadvertently sent to an employee of Greenlight" who then forwarded it to their personal email account. When I called, I had to deal with an overseas customer service rep and got considerable runaround. Their letter offers a miserly one year of credit monitoring but the second I see identity I will personally lead the class-action lawsuit against these incompetents. It is beyond unfortunate that a subprime portfolio servicer now carries my A-paper loan in their portfolio and cannot safeguard my personal information. Be warned, if you do a loan with Greenlight Loans, you will be serviced by Nationstar and the last person you will ever speak to on the mainland will be your loan agent. Their internal consumer affairs department is a total waste and it is shameful that they outsource good American jobs to India.
I applied for a refinance, submitted all the requests from the underwriting team. About a month goes by they came back and stated there was a late payment and could not approve. So I canceled the process. Then a few days later the loan officer contacted me. Said if I show $10,000.00 in liquid assets savings, 401k, etc. the loan can be approved. I showed bank statements and a 401k that met the requirements requested. A week later they said we tried diligently to get underwriting to approve but could not because of a late payment, which I presumed was waived after my initial cancellation. "Deception" at its best.
Started off very excited to refinance my home at a better rate. About 1/2 way through the process the customer service started going downhill and they stopped calling and emailing me back. I thought I was the customer? Aren't I paying them for a new rate? Anyways, I will never do business with Greenlight Loans or an affiliate of theirs. There are plenty of mortgage institutions that will treat you better.
After a pre-approval, there was a two week delay before an appraisal took place. The appraiser they sent was unfamiliar with the area, and gave our home a low value. After another three weeks of asking for additional forms, copies and letters, the loan was denied due to the appraisal. Their slow moving processes and lack of integration wasted not only their time and mine.
I was alerted by Credit Karma that my credit score had changed. Apparently Greenlight Loans made a HARD check of my credit score which caused my score to go down. I did NOT apply to them or anyone recently for a loan or a credit card. I am trying very hard to bring my score up and now they have cause it to go down because of this HARD check. I want them to fix this asap. If you could help me to make them pull that HARD check off my record I would greatly appreciate it. Thank you.
They are working with us now on what needs to get done to go to closing. I know they work hard. People just need a little patience.
Lenny was great. My brother was approved for a loan. Well, that was the only good person there. We've been through 3 closing coordinators. Put $1000 down on a house. Got homeowners insurance. The problem? We were constantly faxing the same documents over and over again. We actually were suppose to have closing today. Greenlight was suppose to fax their paperwork - that's what the closer told our agent. They never did. We packed. We had a truck ready to go. We had our friends ready to go. What a joke. PLEASE PLEASE PLEASE don't use this company and go through what we went through.
Received an offer in the mail to assist with refinance of our home. After initial consult was sent representative who was nice and helpful. But, he keeps telling underwriters need more paper and more paperwork, it becomes endless. Even after I was told I was approved twice they call and say they need more paperwork. Takes almost 4-5 months.
Finally the Managing underwriter pulls my approval after everything is done over an issue that was disclosed on the first day. They originally said it was no big deal and approved the issue. After the loan was yanked Supervisor called me and told me information that was false but I called him on it. (He said there were liens on the property, and that was why the loan was pulled and it was title company that disapproved it. Title was clean. There are no liens on my property.) After I called him on it, he admitted there were no liens on the property. In short my recommendation is Do Not Use this company. Do not believe the things that they tell you. I wish there was rating lower than one star because that is what they deserve. I hope someday this company gets in trouble for the things that they do.
I received a pre- approved offer to refinance my investment property. The process took months and just before scheduling the closing I was told I had to pay a shortage amount after being told there would be no closing costs. The biggest issue wasn't the closing costs but that my pymt doubled! Even with the monthly rent I would have to pay over $300 out of pocket to make the monthly pymt. They have my income and know there is no way I could afford that. Now I am forced to do a short sale. Unethical practices is what cause the crash in 2008 - didn't they learn from that?
My husband and I received a notification from NationStar Mortgage that we might be able to refinance our existing loan, and they followed up with the contact information to Greenlight Loans, a subsidiary of NationStar. We responded and went through the initial process of applying. Having not refinanced since the real estate market crash after 2008, we were shocked at the seemingly "jumping through hoops" and never ending scrutiny from department to department, in our estimation, to get a simple refinance.
We continued to furnish documentation after documentation, all the time wondering if ever there was an end in sight? Then upon reading all the negative reviews about Greenlight Loans, we began to be impatient and question both the loan officer and the closing coordinator. We became somewhat testy and even confrontational. However, both of the aforementioned parties remained constant and steadfast, taking us step by lengthy step to finally closing last week. The process effectively took three months from start to finish.
If I could offer some advice to those of you who are contemplating refinancing: 1.) Realize that the process that was prior to 2008 for refinancing does not exist anymore; there are now a monument of government regulations that have made the process so lengthy. 2.) Understand that it is very possible that your loan officer and closing coordinator are not aware of how the process was so different prior to the real estate crash. 3.) Work with the loan officer and coordinator even though you might think they are dragging this out for no reason -- they really are caught in the same jumping through hoops as you are.
4.) Furnish every piece of documentation for which they ask in a timely manner regardless of your feelings of why this piece of information might be necessary. 5.) Stay positive as there is a light at the end of the tunnel if you are honest and forthright with your responsibility as the consumer asking for the loan. Yes, I would recommend Greenlight Loans for a refinance; I also would caution all who are requesting a loan to heed the above advice. I have to say, Thank you to Greenlight Loans for sticking with us and giving us a happy ending to the process.
I am already a client with Nationstar/Greenlight Loans. I've never been late on my mortgage payments. My FICO score is over 800. This company is the biggest blowhards I've ever dealt with! I received a letter about 6 months ago stating that I'm already pre-approved to refi for a lower interest rate, and guaranteed closing within 30 days or I would receive a check or credit of $250.00. The first salesperson took all info to get the refi process started. Then I had been put in touch with another "rep" and from this point she would be the one that would contact me if any add'l information the company would need. That rep was "removed" from the company for not doing her job... then I was put in touch with a "manager" lol.
The 1st rep was the best person in the company I've spoken to. At least she would keep me informed on the process AND SHE RETURNED phone calls (she didn't seem to make fake or assumed statements). My appraisal came in higher than the amount I was requesting. I wanted to lower my interest rate plus a little extra $$$ (to pay off bills and/or whatever's). After leaving many messages and getting a response once in a while, I'm done with this! I've put up with enough baloney **! I told the manager "**" just go ahead and send me the $250.00 plus $350.00 that I was promised (from **) because of the many delays and hassles (customer care). Then "**" had told me that letter is only good if I'm approved??
I've got it in writing and I'm already pre-approved. I had given every piece of additional info that's been requested. I've been told 2 (or 3 times) already the closing was going to be on that Saturday... I'm confused which Saturday of what year?? This is the worst company that I have dealt with in many years. For some reason the manager "**" doesn't return calls or advise you of any questions or requests that underwriting has come up with again and again. Once in a while I could reach ** (I would use another phone or block caller ID). I would receive more "stories" like underwriting said loan to ratio is too low, and I need to use the extra money to pay off my car. "Hey... that's fine with me" and/or underwriting is finding out what the bal $$ on my existing loan is and I will call you right back.
So... I wonder now what is the next question or request. And reading all these bad comments from others, isn't there anyone that is able to start a class action lawsuit against this worthless company for wasting our/my time? I would be embarrassed to work for a company like this. At this point, I just want the money that was promised to me. And I hope and pray that my current loan gets sold or that I sell my home and get away from these bottom feeders. I will NEVER use this company again! Oh... I sent copies of letters to ** from other companies requesting they want to refi. ** said don't believe those other companies they usually have additional fees and options... :) You've been told... go someplace else and don't waste your time here!
Updated on 07/23/2015
I just received ANOTHER 'pre-approved' letter from Greenlight Loans/Nationstar, EXCEPT this one states $500.00!! I still haven't gotten the $250.00 guaranteed 30-day closing prior one closed that started in January. And last week I found out that Greenlight/Nationstar ran my credit report again.. I didn't request it. I called last week and again promised a return phone call from the managers, manager... Still not received that call. And I'm still their customer!! Perhaps, they are avoiding this new closing because I am currently paying a higher percentage of interest. Hummmmm.. I'm a great customer and currently paying 6.275 interest. Why would they want to lower my interest rate??? Don't they realize it maybe lower as a monetary stand point monthly, however, I would go back to a 30-year mortgage AND be a happy "existing" customer??? Don't waste your time with them!
This was the most costly worst experience I've ever experienced for 3 months. I gave these people everything they wanted from day one. They had then told me that everything would guaranteed be granted in my refinance if I just had more income. So they told me to file my 2014 taxes and show more income and I would have the loan. So I did that. Being self employed I didn't write anything off to show more income so then I would owe thousands to the gov which ** the loan officer knew and said "No worries. You will get the loan and the 40000 cash" out in my refinance in a few weeks to pay it so I did.
So then the appraisal came in at 140000 over what I owed so no worries right lol. The appraisal lady called me and said they sent it back to her to add in subject to repairs which she said she never experienced. So ** said "No worries. Your house needed to be painted and it's a done deal," so I spent 3000 and appraisal was adjusted. Still didn't get the loan.
Everyday was another lie and a "I'll call you in an hour." Never returned calls. Not once in 3 months did his ** manager return my call after 20 plus messages. ** hung up on me multiple times and just rude people. No matter how I tried to speak with someone at this company through different research the phone always rang to **. I don't know if this is a 2 people company or what but I truly think it's a scam for identity. There is multiple complaints about this company which I should have checked beforehand. I truly hope nobody will think twice about using this company Nationstar or Greenlight Loans. You will have a bad experience for a fact.
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