BOK Financial Mortgage Reviews
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About BOK Financial Mortgage
In addition to its other banking services, BOK Financial (NMLS #403501) offers loans for home purchases and refinancing, including conventional (conforming and jumbo), FHA, VA and USDA options. It also has an online application process that eases the hassle of applying for a mortgage and connects you with a mortgage banker to guide you through the loan process.
- Competitive rates
- Many loan options, including FHA, VA and USDA loans
- Mortgage bankers available to assist with applications
- Not available in all states
- Initial deposit required to cover appraisal costs
BOK Financial Mortgage Reviews
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Reviewed May 20, 2017
My wife did a lot of research and connected us with HomeDirect which works for BOK, which is where we got the 30-year VA loan from. We started talking to Kyle, a mortgage officer, and working out the details. Once we had established what we wanted to offer, we went and did that. We were told, “I haven’t received anything. Nothing’s happening for a week or two.” We were calling back and getting frustrated and explained to Kyle that he was not doing his job. He would continue to come back and say things that were arrogant and disrespectful. We’d rather that he came clean and went to his boss to ask for extra resources. We weren’t moving any faster.
We made phone calls towards the end and our broker towards HomeDirect, trying to get management. People were unavailable. We tried to push it up to supervisors, but we were told they were in meetings. We were told a lot of excuses and that certain company meetings were more important than us getting closer to closing. The response when they said that supervisors were involved was minimal. We had to communicate with the VA inspections, appraisals and then we had to dig up more information and deal with the VA to get to closing. All I had to do was get a hold of a representative at the VA and stick with it. The same thing for their provision of income on my part. We expected our loan officer should have been doing this, but wasn’t.
The only reason I allowed them to have our mortgage processed was because I was learning. Towards the end, I started making phone calls and had simple conversations with a couple of people and learned that HomeDirect wasn't on top of things. The things they said were being done weren't. The information has been moved forward and we got moved to closing within a couple of days. We would have closed two weeks, if not sooner than we did. The only reason I let it go was because this was the first time I did it. We left the process very frustrated and disappointed with the representative that we had. It seemed as if we were doing a lot of the legwork and we felt we were not treated right.
There were lots of emails and phone calls, but at the end of the day, what it took to move the closing process quicker was me making phone calls that HomeDirect said they were making and were on top of and able to do. We are where we are right now and that’s fine but we weren’t very satisfied with the primary person we were dealing because the time it took us to get through the process and get to closing was far beyond the timeframe we were expecting. We’ve been really busy, but I was gonna consider at least following through some formal complaint processes also because it was very frustrating. It’s a big deal for us to get into our first home, so we have to follow up.
Benjamin I apologize for your experience as that is not typical for our company. I am glad in the end we were able to get you taken care of. If you need any further follow up please feel free to respond back.
Reviewed May 19, 2017
I applied for a mortgage for the low refinance rate and to get some cash out, and I liked HomeDirect's percentage rate and the closing cost. I dealt with Matt who was very helpful and honest to open up for us on the phone. I felt comfortable talking to him, and he answered all my questions quickly and accurately. It was a pretty painless refinance. I got the cash I needed to pay off my vehicle loans and lower my overall monthly debt. So it worked good. I'm pretty happy with the experience and I would recommend HomeDirect.
Reviewed May 19, 2017
Because of the rate, I selected HomeDirect Mortgage for a new home purchase. Dealing with their reps was a hit or miss. I got passed around to a couple of people and in the end, I was dealing with four different people. And that's where a lot of miscommunications kind of came from but the last guy that essentially got the mortgage done for us absolutely knocked that out of the park. Also, it was a little frustrating compared to other lenders that I've previously gone through. There were a couple of points where I had to submit the same document multiple times because it was either a communication error internal to the company or something didn't go through. But for the most part, they were good. In the end, the job got done and I'm thrilled with the end products. We got the house so it worked out.
Reviewed May 18, 2017
We were moving, needed a mortgage, and we went with HomeDirect Mortgage. The loan process worked great and we were initially interested in them because of the rates. But then, we had a couple of properties that fell through so the process ended up ongoing for over a year and we worked with their own people quite a bit over that year. They provided great service so we ended up sticking with them the whole way. We worked with Kyle and his customer service was impeccable the entire time. He had plenty of patience with us, educated us in the process, and was pleasant to work with the entire time. Working with HomeDirect Mortgage has made our home buying process easier and streamlined, and we appreciated that.
Reviewed May 18, 2017
HomeDirect made my refi very simple and easy. They pretty much took care of everything. I had an adjustable interest rate that kept going up and I had two loans. I wanted to combine them into one at a fixed rate and I wanted to do a 15-year instead of a 30-year so I applied to refinance my mortgage. I contacted a few other mortgage lenders, but HomeDirect Mortgage had the lowest interest rate and they seemed most ready to get something done.
Their rep named Juliet handled everything on her end. So, there was no heavy lifting on my part. I only sent in a few documents and waited for the paperwork to be done. Then when we had to close, someone was over with the documents and we just closed on the house. The interactions I've had with her was mostly via text message and email. She was very friendly, accommodating, prompt, and was always responsive when I sent her a message. If I had a question, she was always on top of it and she contacted me to let me know if there were any issues. She was always available and accessible, even on weekends and that was pretty impressive.
With the refinance, things are more in order now. Everything is straight and it's set for the next 13 years. I'm not worrying about my mortgage, if my payments are going up, or if I'm gonna afford it because now I can. They took my two existing loans, combined them, and made them more manageable. So, I'm only dealing with one company. It's a big peace of mind, thanks to HomeDirect and what they've done. I should have done it a long time ago. I would definitely use them again if an opportunity comes up. It was one of the best experiences I've ever had, dealing with any type of business. I had some co-workers who were looking at possibly refinancing. I told them to give HomeDirect a call and they'll help them out.
Reviewed May 17, 2017
I got a VA loan for a new home from HomeDirect Mortgage. I had shopped around and HomeDirect offered the best rate and no one compared. The loan officer, Noah, made the process extremely easy and he was thorough enough to know how to do his job properly. Originally, I was going through somebody else with HomeDirect but they didn't call me back for that weekend. But, Noah called me back right away. From there, I sent all my paperwork like the tax returns, bank statements, and track of all my financial in and we got to work.
I started in January because I was looking at some homes that didn't go through because it turned out they didn't accept VA. I had one home where I was in escrow and they backed out because of the appraisal. And then there's another one where there were inspection issues. Finally, in the third one, it went through. It was seamless and I didn't run into any problems at all. Everything is in order. I got my own house and it's going to help me be more effective 'cause I'm closer to work. Also, I got the interest rate that I wanted. The closing cost and the VA finance fee was also covered and I have all my money left over. HomeDirect is wonderful.
Reviewed May 17, 2017
HomeDirect was able to offer my brother a very good rate two years ago when he bought a house and it was referred to me. A lot of times, loan officers don’t like it when you say you're thinking about their rates and that you're going to shop around. One time, I told my HomeDirect Mortgage loan officer that and she said that it’s totally fine and to let her know what they could do for me. She said they want my business, they believe they have the lowest rate and that they can try everything I need. I originally didn’t have the time to shop around for a mortgage for a new home purchase but I did a really quick internet search and I still went back to them because they’re right. Their rate is low.
I got a VA loan and the process was pretty straightforward and painless. The only thing that I’m concerned about for a consumer getting a loan is how the rates are versus other lenders, as well as looking at some various promotions that they might have such as lender’s credit. To be honest, if their rate wasn’t the lowest, I still would have given my business to them. People have industries to earn money and if they have the right attitude and they provide the right customer service, you don’t want to squeeze them ‘til they’re completely dry. And as a business owner in the past, I don’t believe in that.
The loan process within this transaction has been one of the most successful as opposed to the actual buying process with the agent and the sellers and there are no complaints about that. One of the good things about working with my loan officer from HomeDirect Mortgage is that she understands that not everything is within my span of control. She is very nice and she presented me with the various options of the loan packages that she can offer as far as wanting to use the VA loan. She also coordinated everything very well and provided all the paperwork that agents and escrow company need. Sometimes, they need to put themselves in other people’s shoes to really understand. It’s not to their own advantage and not to think of whatever’s benefiting them rather than what is right for the customer.
The experience has been great. I’ve been looking for the past two years and there are some instances where I was looking then stopped but never once did they complain about doing the work for me, presenting me with the loan building and the loan packages. It might have been a pain for some people sometimes when they’re creating all these files and putting all these paperwork together and you don’t go through with it. I was moving around the country and up until the end, I still stick with them because they’re still willing to help me. That relationship is hard to come by these days where they're trying to earn your business but some people just don’t have the right composure. Also, their expertise and service were excellent and I would definitely refer my colleagues or friends to them.
Reviewed May 16, 2017
The last home that I bought was with another Realtor and she recommended HomeDirect. Now that I’m buying a new one I went with her recommendation. I bought the house and they contacted me with all the information that they needed to make the loan and get it approved by the underwriter. It took me a while and it was a month and a half of going back and forth and signing but I eventually got there and it was on time. I got the good rate and they kept it locked in for me. They were straightforward, upfront and good with follow-up. They were also friendly and communicated well and I would absolutely recommend them.
Reviewed May 16, 2017
I'm very happy with HomeDirect Mortgage. I was contacted by a few companies but Joshua, the HomeDirect agent I have been working with, is the nicest one. He's always responsive and knows all the things that make me feel good especially when it's a first time for me. I would recommend HomeDirect.
Reviewed May 15, 2017
HomeDirect was very helpful and they explained everything. We did the loan process in advance because we couldn’t find the exact house we wanted. But once we found it, everything went smoothly. Everything went as expected but it could be done more quickly.
Reviewed May 15, 2017
HomeDirect Mortgage had the lowest interest rate so I applied for a mortgage from them. I just bought a house and the process was easy because I have refinanced an old house a few months ago with the same guy. He was very good. Everything happened online, and overall, it was a good experience.
Reviewed May 14, 2017
They have good rates and that convinced me to get a loan with HomeDirect Mortgage. It was really easy and the reps were polite and pleasant. They are easy to work with. I'd recommend them.
Reviewed May 14, 2017
Lor was our mortgage broker and everybody at Home Direct did a great job. They were very thorough, told us exactly what we needed to do and were very straightforward. Everything went very smoothly, better than we had expected. I had good communication throughout. I would definitely refer them.
Reviewed May 13, 2017
I inquired with a bunch of mortgage companies and one of the representative from HomeDirect Mortgage, Dave, called me and I liked what he had to say and I proceeded with him. He was direct, quick and responsive. He got back to me right away when I called him. Their people are fine-tuned and answered my questions to my satisfaction. It was fairly a painless process. They lowered my interest rate and they put extra money in my pocket. They have a very good service and they're good to do business with.
Reviewed May 13, 2017
I wanted to consolidate debt so when I did the application online, HomeDirect was the first one to call and they were very prompt in their responses. Everything happened exactly as they said. It was a good experience.
Reviewed May 12, 2017
I refinanced with HomeDirect Mortgage. I applied for it online then they called, gave me the information as far as roughly what closing cost would be, the interest rate and all that. They got me all the paperwork, I filled it all out and submitted it to them. I then had an appraiser come out. Also, the representative was really helpful. Every time I had a question he always has an answer for me. I like that he's pretty easy to get a hold of whenever I email or call him and friendly. Overall they're awesome, helpful, and I received good quality of service from them. They got me financially better and I'd surely refer them.
Reviewed May 12, 2017
HomeDirect Mortgage is a direct lender and they’ve met all of our expectations. The loan process was very easy and it took Home Direct just a couple of days to get the loan approved. But my previous mortgage company have paid somebody else’s property taxes so it took me over a month to get that resolved before we can actually close. I sent the loan agent some documents and some income verification. I also sent him copies of our driver’s license and basically closed and then we had to e-sign some documents that he had me went through our title company that we chose, and closed with them.
We worked with our rep most of the time through email and he was very responsive. He was very courteous when I talked to him a couple of times on the phone and he helped me out with all the questions that I had. I was impressed with his knowledge and he’s given us options that would actually save us money on our payment as well. He definitely knows his product and has the consumer's best interest in mind.
So far, I’m happy with HomeDirect Mortgage. They seem to be on the ball. Their closing department seems to know everything that was needed. They got the loan pushed through very quickly without any issues. There were no mistakes on any of the paperwork as opposed to the other loan that we had before in the one that I just paid off.
Reviewed May 11, 2017
We wanted to pay off some bills. We needed a tax write-off and we figured it would be beneficial to put out some of the equity in our house. It's the first time I've ever had a mortgage so I didn't know much about it but Matthew, the gentleman I was dealing with, informed me about the credit that they give you for certain type of loans and about the bankruptcy, too. He always had an answer to every question that I had and if he didn't have an answer, he was able to let me know he would get back to me once he found that answer then he always did.
I couldn't really close until certain due date because there is a four-hour mandatory rule when it comes to filing a Chapter 7. The process was started and Matthew didn't submit my paperwork until it was after that time. So I made the process go by a lot smoother and faster because I had a lot of paperwork I had to give them anyway. So it gave me time to give everything he needed. He didn't wait for the next person to contact me.
He handled the first part and then we have the appraisal, we had the adjustor - there were so many different people involved. He was always the one that contacted me to let me know what they needed. At the same time, their people contacted me too but he always kept me abreast of what's going on and I was always ahead of the game. When it came the time to submit the paperwork, he submitted it and everything went through. We had the appraisal come in and everything was very smooth. They're honest, trustworthy and that's something to really look forward when it comes to your home.
Reviewed May 11, 2017
There are no loan process fees that are ever seamless, quick and easy but it was much less painful with HomeDirect than other ones. We were looking to consolidate and we went through LendingTree. We went through discussions with Matt who is really good and worked through the options that we could go after. And then, we made the decision to go with them. He and the group there were very responsive to any of the questions we had. If I needed something to finish any paperwork, he was quick to get back to me. My loan went active in May and it has been great for the past 12 days. They have good rates and we got what I was told.
Reviewed May 10, 2017
I was trying to refinance to take out some equity to build a pool at my house. My mother had just refinanced her home using HomeDirect and recommended the company to me. The loan process went pretty smoothly. Most of the communication was done through emails and it just went really fast. I filled out the application, emailed my W-2's for last year and for 2015 and two pay stubs to my loan consultant, and gave my statement for my mortgage that I had at the time. The rep kept me informed through email at what stage we were at and how much longer to expect till closing. I spoke to her just a couple of times 'cause I had problems once with filling out one of the forms and attaching it back to the email, so she explained to me how to do it. She seemed really sincere and honest and that was one of the things that my mom liked about her too.
A lot of times in this industry you don't really find that quality and people. People don't disclose everything till the last minute and you end up paying more than what you originally thought you were going to pay. But I'm really happy we went through this process. It's definitely been happy moments for us 'cause our pool is being built and everything's on schedule. HomeDirect is efficient and it's been a really positive experience.
Reviewed May 10, 2017
The broker from HomeDirect Mortgage was more responsive than the others and the rates are positive. I refinanced with them and went with a conventional loan program. I shared them my info including my proof of income and a certificate to verify my employment. They also checked my credit and the lady pretty much took care of the rest. It was pretty painless and fast. I talked to her two or three times throughout the process and I'd get answers on the same day. She's responsive and she did a good job. They have good service quality and working with them has been good so far. I did the refi and I do everything online with my payments. It's pretty seamless, easy and user-friendly. I would recommend them.
Reviewed May 9, 2017
We were very pleased with our mortgage experience working with Ryan **! He was very fast at getting back with us and answering all of our questions. We also got our pre-approval back the same day. Even our realtor was impressed. We definitely will recommend Home Direct Mortgage to our friends & family!
Reviewed May 9, 2017
Received excellent service from David on our most recent purchase with David over the past 6 years. We highly recommend his services to anyone looking for an honest, reliable and hard-working lending agent with superb knowledge of the lending industry requirements. Call him and you will be happy you did.
Reviewed May 9, 2017
Erik is attentive, responsive and helpful. He guided me to the best value and understands exactly what I am looking for and offered me several products that could fit our needs. I have used him and HomeDirect Mortgage for two mortgage loans and will continue to use them on future properties.
Reviewed May 9, 2017
Great service and all questions answered in a timely manner. Process did not take long at all. I would recommend them to friends and family. Interest rates were competitive. Closing costs were lower than the competition. Agent explained the difference between them and the competition.
Reviewed May 9, 2017
Overall experience was Good. Rating could have been higher if not for Appraisal delay affecting overall timeline. Kyle ** was great to work with! Courteous, helpful, accommodating, and responsive. As with any mortgage process I have been involved with you need to personally stay engaged for it to be successful. I would recommend to a friend looking to purchase a home.
Reviewed May 9, 2017
I am proud to say that I am now a homeowner. HomeDirect Mortgage has helped me accomplish something. I was beginning to think was never going to happen for me. I had struggles along the way but my agent, Ryan, was great to work with and he got it through. Thank you!
Reviewed May 9, 2017
Thought that the process would take a long time however it was right at 30 days and very easy to talk with Lori and Terri. Both very sweet and understanding women. Look forward to working with them again if need be in the future. Would recommend to EVERYONE. Lowest rates I found and very reasonable with cost and fees.
Reviewed May 9, 2017
This was fifth home I have purchased and without a doubt the best experience I have ever had!! Dirk and his team were great. We did a complete end to end purchase in less than 30 days! Unbelievable - and I should know as I work at a bank in a mortgage department - we could NEVER have done this. Responsive, professional, informative and willing to go the extra effort or mile to make sure my loan was approved and my wife and I were able to secure our new home. I will refer any and all folks to HomeDirect should I become aware of their desire to either refi or purchase a home. Simply outstanding!!
Reviewed May 9, 2017
Working with Matthew and Home Direct was very pleasant. All of our questions were answered promptly, the process was simple, and fees were reasonable. Our broker was patient and professional with the required knowledge for our transaction. Without hesitation I would recommend this firm to anyone in the market.
Reviewed May 9, 2017
I've been wanting to buy a house so I applied for a mortgage. I looked up HomeDirect Mortgage on the internet and they had good reviews. Everything looked good. The loan process was simple, streamlined, and easy and I was happy with it. Aspen took care of us and she was great at making everything happen the way we needed it to happen. I had recommended somebody who also got a loan through HomeDirect.
Reviewed May 9, 2017
It was time to buy a house and I was applying for a VA loan. The website I used came up with the lowest rate from multiple offers and companies. And the loan agent from HomeDirect was very responsive. Initially, I sent out some emails and asked questions: closing times, information required, if they provided VA loans, if they had a float period or a lock-in date, and closing procedures.
My mortgage officer was Ryan and he provided phenomenal service. He answered all the questions in a timely fashion and was very thorough with his answers. If the training is consistent across the company, then I would assume that all the other mortgage officers would be the same way. And I have used Navy Federal, USAA, Wells Fargo and Bank of America. And this one was absolutely the smoothest to process. I don't know if its more of a function of the fact that I knew all the questions and I knew all the information they're gonna need, or if it was just the fact that when I provided the information, it wasn't questioned. It was just accepted and taken in. Also, there were no hidden fees. Nothing jumped up and bit me. There were no scares at all, especially as we got closer and closer to closing time.
Reviewed May 8, 2017
HomeDirect Mortgage had the best rates. I applied for a mortgage with them because I was buying a property. The loan process was excellent. Everything went very smoothly and timely. I was always able to reach them. They always responded quickly to my questions and everything went fantastic. My interactions with their reps were great. I've written an email to them thanking and telling them that it was very easy and I appreciate their help. I would definitely use HomeDirect again.
Reviewed May 8, 2017
We sold our house in Tennessee and relocated to a different area in Alabama. We were getting ready to purchase a house so we applied for a mortgage and it's a VA loan. I did some research online and tried to find a good interest rate. HomeDirect Mortgage seemed pretty good and so I jumped on them. There were no problems during the loan process, it was very easy, and everybody took care of everything. Then I ended up going overseas on vacation so I had a little difficulty but they were all patient and told me to not worry about it. I got them to get back and everything went smoothly.
I've spoken to representatives over the phone a little bit but the communication was mostly done through email and they are very thorough on everything. They're very knowledgeable with the job and they came up with a full list of the things I had to accomplish. They didn't come back around, there was no backtracking, and they had everything ready to go. HomeDirect got the mortgage done in a timely manner well before closing so I was happy all the way around. It was a pleasure to work with them. Some days ago, a friend was looking and shopping around and I recommended HomeDirect to him.
Reviewed May 7, 2017
My experience with HomeDirect mortgage was excellent! My mortgage banker Lori ** was great. Everything was explained to me upfront and made very easy to work with. Lori ** and her team were very punctual, nice, and knew what they were doing. If I had any questions they responded to my email within twenty-four hours, responded to phone calls usually the same day. They never made me wait an unreasonable amount of time. If they had any question they email or called right away to get the information they needed to keep the ball rolling. Rate was better than expected. Payments were as expected (they saved me $140 per month). Closed ahead of schedule. I would highly recommend Lori ** and Home Direct Mortgage.
Reviewed May 7, 2017
Recent job changes and the situation in my family allowed me to get into a home. I was ready for it and my aunt, a realtor, does a lot of business with HomeDirect Mortgage. She has nothing but good reviews and I can say the same about them. Although my housing bill went up a bit, the house is mine, so it’s an investment. HomeDirect Mortgage made my life easier and was very helpful in getting me through the process. To me, it was a perfect experience for my first home.
Reviewed May 7, 2017
I worked with HomeDirect's account manager, Matt, before and I reached out to him and told him what my strategy was. I was selling my house and purchase another house. Matt was able to very quickly respond to me in terms of the way they ran and the right map to get us through the things that I wanted to achieve. At that point, he corresponded with VA, he got my certificate of eligibility squared away. But there was a component for that and this is where Matt just goes above and beyond.
The VA had not updated my disability status which makes me exempt from the VA funding fee which is a pretty sizable chunk of money. Matt worked with the VA directly to help them get my paperwork updated. He took the mission on himself which was awesome. And then from there, I needed the CRE. We had the CRE in place, I sold the other house. This worked out a little dicey. The VA appraisal on the inbound house, the purchased house came in a little bit low. So, we backed out of that deal, found another house. At that point my rate lock-in expired and the rates had gone up.
Matt was able to secure me a really good rate, right back where I was the first time. So, once again, he went above and beyond to help his customers and that's pretty notable. And then from there, it's straightforward. He ordered the appraisals on the second house. The contractor accepted the appraisals, went to quotes, and he called me afterwards to check on things to make sure the thing was smooth, which he did. We had a settlement, all paperwork was in order and everything was perfect. Now, I have a house. HomeDirect Mortgage, in general, has the support pillars in place, making the experience good. I'm not sure all their reps are great but Matt was second to none.
Reviewed May 6, 2017
I wanted to buy a house and this was my first time to go through a mortgage process and it was pretty smooth. I just got the mortgage and the house. Sometimes it wasn't that easy to get a hold of the HomeDirect representatives, but they definitely followed up. So, that was good. I would recommend HomeDirect.
Reviewed May 6, 2017
They never go wrong, they write stuff, and were reasonable with the timeline. Working with them made the transition to Florida very easy and seamless. They have outstanding service and I'm very happy with it. I would definitely encourage a friend to consider them as an option.
Reviewed May 6, 2017
I needed to do a refinance at a lower rate and take the opportunity to take some cash out, too. I went with a VA loan from HomeDirect Mortgage because they have a good rate and very easy to work with. I went through the typical appraisal, termite inspection, and getting all the documents together. HomeDirect Mortgage informed me of everything I needed to take care of and helped me take care of it. Almost all my interactions with the representative were via email but I called if I had any questions I needed to be answered immediately and everything went fine. The rep was knowledgeable of what needed to be taken care of and HomeDirect's expertise and quality of service were excellent. It's been a good experience and I’ll tell my friends they’re a good company to work with.
Reviewed May 5, 2017
We've been from being in a rental and I never knew if we were gonna be able to get a home. It brings tears to my eyes. I'm 17 years older than my wife and with a three-year-old son so I wanted to them to have something when I'm gone. I decided to provide them with a new home. It was life changing for us and I didn't know I can see my wife decorating our house and landscaping it.
I went through Zillow and Chad from HomeDirect was the first one to respond and so I thought we'd give them a chance and they nailed it. We applied, got pre-approved, and had a VA loan program. Chad asked for all the documentation so that was pretty painless and we got all that through. Then we had to wait for the home to be finished being built so he was pushing on the longest process and that was getting the VA appraiser on site, but that was pretty much out of his hands. He would call or email me if there were any issues. He's very personable and got good communication. It seemed like he really cared about my family and my kids. He showed a lot of consideration and care about what we were going through and our needs. His expertise was top notch. He had an answer and it was always right on point. I just love him. I hope the best for him and the company.
Reviewed May 5, 2017
I was doing a refi and looking for better rates. HomeDirect had incentive credits to cover the closing costs so I went with them. Their reps provided me with their rates and credits. They also set up everything for the inspections and scheduling the closing. They were very responsive and the process went pretty smooth. I ended up going for a 15-year term instead of a 30, which is another goal. I will highly recommend them.
Reviewed May 4, 2017
We got an FHA loan with HomeDirect Mortgage for a new home because there was a good referral from my father who's done business with them a few times. Also, I was getting a better interest rate with them and I was very impressed about it. The loan process, for the most part, was pretty smooth and very interactive. The representatives I dealt with were very helpful and informative. All my questions were always answered and they were very prompt as far as getting a response back. They were very on top of things and I felt very comfortable providing everything that they needed during business with them. HomeDirect is one of the better, reputable and trustworthy companies that I've spoken to. It was a big debt of my life and end to a new chapter, and I'm very grateful for everyone who played a part to help me achieve that. Overall, the experience was really smooth and I would definitely recommend them.
Reviewed May 4, 2017
I went through a really bad divorce and walked away with nothing. I had to get a home and to do that I got a VA loan from HomeDirect. I went through Lending Tree, they responded to my request in under five minutes and they had the best interest rate by more than a percent of any of the other companies. Also, the people I dealt with answered every question I owned within minutes. And every time I needed something, I call them and they'd pick up immediately which everybody thought was awesome. They took care of all the paperwork, I signed what they told me to and after that, I didn't have a whole lot to do with securing the loan. It didn't take them more than an hour to get anything back to me and it was ridiculous how fast everything was.
Everybody told me all these nightmares about getting a mortgage but HomeDirect was really good and I had no problems at all. Now I got a beautiful home and I got it with lower stress than my stressed times. I recommended them to all the people I know. And if people would ask me about HomeDirect, I would tell them how things went for me and give them contact information because all was great.
Reviewed May 3, 2017
We were financially in a position to afford a new home and we personally knew the loan officer at HomeDirect Mortgage. The loan process was extremely easy. The officer requested a series of documents from us. We supplied those documents, and we were pre-approved shortly thereafter. And then after we had chosen a home, he asked for some additional documentation for us. He said that we were fairly straightforward and we didn't have any problems getting approved, so it wasn't extremely complicated or as challenging as we originally thought it might be.
We did have a couple of questions throughout the process and it was just nice to be able to give him a call after-hours, so it wasn't something that we were doing while we were at work, and we could deal with it in the evenings. It was a very smooth process and we were very appreciative. It was a little bit more personal than just dealing with a local bank or something to that effect. We were given excellent service and we had a great experience. I would definitely recommend them.
Reviewed May 3, 2017
I was looking at a new home in Oregon and HomeDirect Mortgage had the lowest APR among the five companies I looked through so I ended up going with their VA loan program. Their loan form was easy to electronically sign and any questions I had were promptly answered. I mostly dealt with Ryan. We had great communication and he really helped me out and got me through some hurdles because I got hold up with the appraisal. Their level of expertise and the quality of service I received were outstanding so I'm going to refer them to anybody that have purchased a home as well. They're the best ones I've dealt with.
Reviewed May 2, 2017
My wife had seen a house that she liked so we got an FHA loan program from HomeDirect Mortgage. The first part of the loan process was good and I worked with a guy named Tyson. He was really professional. Every time I had anything that I needed or had questions, he got back with me. He responds to all of my emails, made everything organized, and knew what program I needed. He let me know the different rates right up front and gave me what the prices and rates were going to be. When the issues came about, he found a way to work through the issue and worked with his manager to get everything done as soon as possible.
Tyson worked out Bank of Kansas City because I had a tax lien that I didn’t know about or thought I was done with. I wish I had known ahead of time that that was an issue but I only found out a week-and-a-half before closing. But besides that, everything was good. HomeDirect worked with me with the tax lien and we got everything done. It was a little rush to get everything I need to get taken care of but everything was really pleasant. Now, I got the house and I live in the area that I wanted to be at, with a lower down payment. It was a positive experience and I would recommend HomeDirect Mortgage.
Reviewed May 2, 2017
I do the house finances and I wanted to be able to take advantage of a lower interest rate and get it on the fix. And also come with potentially some available financing to pay down some expenses. It seemed like the right time. I refinanced and my conditions were to leverage the VA mortgage of whatever VA benefits because both my husband and I are retired military. We laid out the conditions and interest that we want to leverage that, take advantage of the lower interest rate, refinance, end up with some cash that might be able to pay down some things. They were able to marry up the options quite nicely.
I put out some filler and it exploded the reaction from people that have similar services. I had started with somebody initially and wanted someone to work with that would first educate me while I’m also trying to make good choices based on the information on options I was given. What was important to me is working with somebody that really was going to hold my hand but at the same time leave the different decisions in my hand, not be too pushy, really indicate they’re listening to me and not just try to give me their best program that they’re perhaps being pushed to promote.
Any first choice is probably unwise only because they are the ones that unfortunately are helping you cut your keys on knowledge. Not staying with the first one I worked with was not so much about that he wasn’t good enough. It was that I had to first come up to speak. I had to be a smarter and more informed consumer and I didn’t always ask intelligent questions. I don’t want to ever say he didn’t give me what I needed to hear when I didn’t know what I needed to hear. I think he did a bang-up job of trying to assemble the right information for me but there were certain information that seemed inaccurate. There’s a lot of details in what is needed to use the VA benefits and then what it is that can sometimes come forward from lenders.
Where that variability occurs is another reason why I was interested and with the second one from HomeDirect, it seemed to be a more productive conversation because I was more informed. I knew a lot more about when something was referenced which initially, I didn’t have any clue what they were talking about. By the time the second contact came, I was much more snappy, able to apply it in the right way and truly understand the answer because sometimes the first guy would give an answer saying he was sure it was exactly right and accurate but it was perhaps not as well received. I didn’t have what I did. The first experience was not bad but the second one was able to offer more latitude from the lender. Sometimes what they can do internally to entice you to stay with them is the lender credit. That was relevant, very helpful and it impacted the bottom line.
The other thing I like about HomeDirect is that as we were going through it, they had a way to give me an intuitive way to improve circumstances. I worked with them in two ways and it was based on that influence. They said then that I could probably go with the lower interest rate and even lower than I did at the first structure but there’s trade off. He educated me on the trade off and said I had to pay up a pretty hefty VA mortgage but that after that, once I have six months’ worth of mortgage payment at my belt, I can go in and I'm eligible to refinance again. Obviously, not paying that initial thing because it's upfront and all those closing costs are not negligible but they’re certainly much reasonable and I can take advantage of then a lower interest rate.
Exactly what she seemed to indicate would be something that I might want to take advantage of turned out to be just that. I went and six months later, he followed through with his intent to call me after I become re-eligible. It was another experience that was much more streamline obviously because they were able to re-use all the information I had given in the first place. That allowed for the application for the lower interest rate and that went really quickly and smoothly just like he said. Everything turned out just the way it was.
Now, in the process of assembling all the detail, I’m pretty organized with what has to be made available. The assembly is always important in what he had available as a backup person for whenever he isn’t as available as I’d want which was another key thing, there’s always a backup person. I found that very helpful. And then, if I was getting late on what was necessary to come from me, their follow up was very relevant and it was professional.
My husband and I are in a joint account and each one of us would receive documents online. If you don’t do the online then they would have to call through by lengthening the package in the mail. Sometimes I'd get two packages, one to my husband and one to me. I think the process could be improved because if we’re joint and we can’t stay and be approved for such a loan unless we're joint, they seem to be overkill for me. I’m handling double of everything. Being able to distinguish what comes in the mail one day and then on the heels of that was in two days, it wouldn’t be initially unusual to get another package.
There was one point where I’m thinking that because we took care of something based on a recent contact, that was okay but I wasn’t. There really was a lost intent of a previous communication. So every once in a while, I'm signing off and just accept and then sometimes I’m signing off to continue the process. Their concern is to make sure we don’t bypass the deadline.
I thought they handled the process of support and hand holding. Clearly they had a process and they had a sustainment and resources to make sure the process was carried out. They were very open to describing the distinctions but they were obviously very aware that I want the best deal and program. I said I can either ask them or they can know that I’m still in parallel talking with certain people lying to entice their way to make sure that I’m first of all, as educated and fully informed about all these ins and outs in all these programs.
But you’d learn that the way which they’re trying to entice you is sometimes confusing and it comes across as if you’re going to be helped. The way some of these things get communicated is almost like an art because it makes me feel like if I don’t do that, something bad will happen and I’m going to be liable. There’s an art occurring that the way they pick up the phone and follow through is sometimes motivating us here. I didn’t like that and now I know that was any way at all part of the HomeDirect experience.
A lot of questions occurred when I had to go through this and made me think why I had it. I had a lot of circumstances I wanted to achieve and have established. I have a better mortgage and I don’t have the fear looming that something that doesn’t feel right is about to occur. All of that is done and behind me. And at this point, I’m more informed so I think I did a very responsible thing and it did take care of some other costs. When one doesn’t have those other burdens, it’s a big relief, it feels like one can tackle anything. It propels a person to be more responsible and execute more refinement to other parts of that budget and the finance.
Reviewed May 1, 2017
My loan officer was Stephen ** and he was assisted by Terri. They made for a very positive first-time home-buying experience. They were consistently engaged with me to make sure I knew what to expect and when I needed to provide appropriate documentation. Everything seemed very seamless and I'm very happy with the service provided. HomeDirect also offered the best rates and they service most of their own loans which is comforting to buyers. The only critique I have is that some documentation requirements seem a bit skewed. If a transcript is needed as part of the process, either allow unofficial transcripts or require the official transcript be provided to the loan officer by the institution producing the record. Also, in the event where a degree was awarded, the transcript will reflect that. The actual diploma should not be required as it is no more official than an unofficial transcript.
Reviewed May 1, 2017
Our loan officer, Stephen **, was completely disorganized and there were multiple issues with miscommunication. The issues that arose due to his incompetence resulted in a delay of settlement on our home. I'd be happy to provide the emails that went back and forth to demonstrate how frustrating the experience was for us. My realtor agreed, that our experience with HomeDirect has changed her mind, she no longer recommends this company.
Reviewed May 1, 2017
I was looking for a new house to buy. I had a friend who had used HomeDirect Mortgage, so I applied for a loan from them. I spoke with the person there that my friend had spoken with before, and that person walked me through the loan process. He was informative and worked well at having everything set up. After working with HomeDirect, we got the home that we wanted. I'd refer them to a friend.
Reviewed May 1, 2017
At first I had another mortgage company. Then I reached out to HomeDirect because a friend had used them. They gave me outstanding interest rate and there was a VA. I had excellent dealing with them. As a matter of fact, when I went to my title company, they thought it was a mistake and even called HomeDirect on their own because they didn't believe that the interest could be so low for the VA right now.
Moreover, the loan process was a piece of cake considering the other mortgages that I've been through which have never been that easy. I emailed the required documents and a couple of more things to HomeDirect and they communicated really well with me. Usually they'd send me the document then they'd call me. The communicators didn't overdo or underdo it and their rep answered all my questions. My wife's a Realtor, so any questions that we would bring to him were pretty complicated, but he got through. Also, it is cheaper to go through them and it saved me some money. So I'll be recommending them to others.
Reviewed April 30, 2017
I had a very large expense that I had in the house and I knew I had equity in it. And so, I went looking for mortgage companies. HomeDirect had better rates and I did a refinance. Not all the fees that go into doing a home loan in general and refinance were really laid out front. But the rep was very helpful. He pretty much ensured that I was gonna have the rate I wanted, which was the same rate I had currently on my initial loan. They worked with me. They went back and forth in a couple of respects but in the end, it was resolved, which is what we all wanted. They saved me money. It's a good company to go through to help with a refinance.
Reviewed April 29, 2017
We were shopping around for a new home and I needed a quote for a mortgage, so I decided to shop around for a lender as well. One of my older buddies, who has gone through 12 houses in 20 years and has used HomeDirect multiple times before, had a lot of previous experience working with Ryan. He said that Ryan gets the job done and he gave me Ryan's contact information. So, I gave Ryan a call and let him know that I was shopping around for a lender.
As it turned out, HomeDirect had one of the most competitive rates and they gave me direct information versus just the stuff that sales people who give quotes tell prospective customers to get them interested in their company. After having to go through the verbiage that sales people try to sell them on why they should go with their company, customers often find out that a lot of it are stretched truths. However, Ryan gave me the straight shot at everything and that, for me, goes a long way because it was my first time applying for a mortgage, and having to go through the black and white myself would be very stressful. It was real easy to work with Ryan and I liked him. There was one incident where he and I had weren't on the same page, but when I brought that to his attention, he went back to the issue and fixed it, and made sure we were on the right page at that point.
I actually had my own guy that I was considering going with, and that was the biggest competition that HomeDirect had. But what it came down to was that HomeDirect was able to give me a much better quote than that guy could provide. He told me, "If this guy's legit, then you need to go with him because I can't do any better than what I'm doing." Working with HomeDirect has affected my life tremendously.
I'm paying HomeDirect monthly and I'm interested in setting up an automatic payment to come out of my bank account. This month was my first month for making the payment. I paid over the phone, which is very convenient, because my payment went out of my bank not more than a day or two later but it was reflected in my account that it came out the minute I made the phone call, which is awesome because it was actually the day that the payment was due for the first time, so I enjoyed that. I would absolutely recommend HomeDirect to a friend. I would recommend Ryan because he's doing a great job. I'd recommend. HomeDirect Mortgage as well for having provided Ryan with the ability to give me a good quote.
Reviewed April 29, 2017
At the time that I applied, I had three mortgages and I wanted to consolidate them all down to one and see what I could do with payments. I went online, filled up a basic application and I started getting phone calls. I had barely clicked the submit button and Quicken Loans was on the phone. I've dealt with Quicken in the past. I've had a loan through them and they're one of the first that sells my loan to somebody else almost immediately. I don't think I had made the first payment yet when they did I didn't feel like staying and going back to Quicken Loans. They offered me decent rates but I started getting two or three back to back phone calls from people and they were hounding. That gave the impression that I'm dealing with an agency that one hand doesn't know what the other hand is doing. So, I shied away from all of those.
It came down to HomeDirect and one other agency. When I talked to the girl from the other agency and told her who I was looking at, she said that if I were gonna lose my business, she would assume it was to HomeDirect. A competitor spoke very highly of HomeDirect. Part of what drew me to them was that a very high percentage of loans that originate with them and stay with them. Then, it will get sold off on the market and I get handed around half a dozen different companies. That's a big piece for me and I've gotten that hand off before. I told the girl from the other institution and she said she can't make that statement. Also, they were shooting me the best rate that was, at one point, almost as much as a quarter of a percent. They were better than anybody else.
I walked through some stuff on the telephone and we did everything else electronically right up until the closing. Like everybody else, they were prepared to send someone to my house to close and that would have been fine, but I was gonna be in the Kansas City area. I only live two hours out of Kansas City and I said to come there in Kansas City. They said it's not normally how they do it but that it would work so, we closed right there in the office in Kansas City. Kent, the agent in Kansas City we worked with, seemed very upfront and honest.
There are things that could be improved upon with anything. There were a few weeks through the course of the loan probably three different times that I got emails where my first reaction was thinking why is it any of their business like when we took some money out of IRA in order to knock down one of my credit cards, so that I can afford to cover the cost of the appraisal. As soon as I send in my paperwork showing them the statements from the bank accounts, I got an email back asking where that money came from. I thought that was pushy and rude. Why is it any of their business where I came up with the money to put into my checking account so that I could pay our credit card down? I've spoken to them about it and the response I get back is that the VA wants that information. I understand all of that when you're working with somebody like the VA and the government but I still wonder why.
I have all three mortgages now wrapped into one and the payment on that one is the same as my primary was. It's within a few dollars of what I was paying on my first one. It stretched it back out to 30 years again. I was probably down about 24 or 25 years but it got my payment down to what I can handle. It had gotten to the point with the interest rates starting to climb again and the insurance. It was starting to get to where I was having difficulty and my wife lost her job. We were getting to the point where we were having a hard time making payments and I was making three mortgage payments. With the refi, it dropped me down to one payment and saves me about $800 a month.
Reviewed April 28, 2017
Dave is the most awesome, caring and straightforward lender we have ever dealt with. He bent over backward to help us work on getting our credit items in order and kept us informed on our mortgage the entire way. Recommend him highly 100%.
Reviewed April 28, 2017
I was looking to buy a house. I went on LendingTree and HomeDirect was one of the first companies to contact me, and their rate looked good. Also, they were willing to do a second VA loan, while other lenders I talked to didn't want to do that. I applied for a mortgage and got a VA loan from them. One thing that I liked about HomeDirect was that whenever I called, they usually answered or called me right back and they were quick to respond to emails, whereas in my experience with a national and bigger lender like USAA, every time I called I always got a voicemail. Sometimes I'd have to wait awhile for USAA to call me back, and whenever I have deadlines, it's really helpful to have fast turnaround on communication.
The representatives were helpful and very hands-on. The only thing that I was getting a little bit annoyed with was that it was my loan, and it's going to get back to me one way or another, so I wanted to be clued in on what's going on and copied in on the emails. But sometimes, when my realtor and I would send the rep an email, the rep wouldn't reply to me at all, but only to my realtor, and this happened several times. Sometimes, there were questions I had that I didn't really feel were answered, and I was kept in the dark. But that was the only thing that rubbed me the wrong way with them, and everything else was great.
My transaction with HomeDirect was complicated, so there were a lot of phone calls and emails and the process was very stressful. We run into a lot of issues that don't usually come up in a normal transaction, and the reps would certainly have been annoyed with me, but they did their best. The loan officer probably got tired of hearing from me, but he did a good job. The main thing that I cared about was performance and he got the deal done and I have my house now.
Reviewed April 27, 2017
My Loan Officer, Matt **, was very easy to talk to and helpful. He always returned calls and emails promptly whenever I had a question. He made the process very easy and was always looking out for my best interest. It seemed like I had my own personal banker. He made sure everything was coordinated behind the scenes with the underwriters to ensure my loan closed when I needed it, even though I kept changing the date on him. There was never any doubt that my loan would be ready. This was truly impeccable customer service I wish I could receive from all businesses I deal with. Great service. The website seems excellent for keeping track of all my account details. I'd highly recommend HomeDirect to everyone who needs a mortgage.
Reviewed April 26, 2017
We dealt with Erica ** in Loan Department. She was a great help and personal, courteous. Erica and her staff was the best to deal with. Even the closing clerk, who has been doing it for 35 years, said this was the easiest and the paperwork was done right first time. There is not enough we can say about how smoothly and timely the VA loan went through. Highly recommend her and this mortgage company.
Reviewed April 26, 2017
For over a week I have been attempting, very unsuccessfully to contact you by phone and via your website and each time the results have been frustrating and very disappointing. So much so, that I am considering refinancing with someone else just so I can put you guys and your lack of connectivity, behind me. This makes absolutely no sense! I registered and paid my mortgage online and 5 days later I cannot determine if you processed it. My bank account shows the money is still in my possession. Do you NOT want to be paid?
Harold, I'm so sorry to hear your frustration. I'm at HomeDirect who originated and closed your loan. Sounds like you are having issues with servicing and making your payment. That is in a different department but we can possibly help out and coordinate with someone to get you some help. Feel free to email me directly at sstjohn@bokf.com and I can see what I can do if you are still having issues. Would like to get this resolved for you as soon as we can.
Harold, I have provided your contact information to our servicing supervisors. They should be reaching out soon to get this issued resolved as soon as possible.
Reviewed April 25, 2017
I was satisfied with the service but would have rated the experience higher if not for two issues. We built a new house on a lot we already owned and initially applied for a VA loan. We were quoted the terms, including a VA funding fee of $4,375. After filling out innumerable VA forms and asking our builder to do the same, we were told that since we owned the lot, the transaction was considered a refinance and the VA funding fee would be $11,500. That was within a few weeks of closing. The good news is that HomeDirect gave us a conventional loan option based on the interest rate in effect when we originally locked in our VA rate so the increase in the payment amount was minor.
The second issue was confusion on the appraisal, which delayed closing by nearly three weeks. There was confusion between HomeDirect and the appraiser about the type of appraisal needed, i.e. "As Is" or "Complete". We received a Certificate of Occupancy and moved into the house but the appraiser said it wasn't complete because there were punch list items. It was only after I talked to the appraiser that I realized there was confusion and the issue was resolved. HomeDirect extended the interest rate lock-in period twice to accommodate the delay, so the delay didn't cost us anything except frustration. While its administrative procedures need to be improved, I applaud HomeDirect for standing by its original commitment.
Reviewed April 24, 2017
It would’ve been so much better for me if I was able to pay with credit card that rewards me point for money spent on the credit card. I hope HomeDirect reconsiders this policy and allows its customers to pay with credit card. I’m certain that you will have many prospective customers to do business with you.
Reviewed April 24, 2017
Mr. Tyson ** has been extremely diligent, attentive to our needs at every step of our loan process. He has made the entire process free of any obstacles and has been very thoughtful and thorough when important documentation was required. I highly recommend Mr. **.
Reviewed April 24, 2017
This is the second time I have had the pleasure of doing business with this lender. Matt ** and his team are the best in the business. He was able to obtain the best rate in the market and did a stellar job explaining the details of the loan. Everything was 100% correct and ready to go at closing. Additionally, Matt performed exceptionally well with the VA loan process and ensured my full benefit was being used. Understand this is a very tumultuous process. He was always available and if he missed my call, returned it within an hour each time. Throughout this process, I knew I was in the best hands possible. If you are looking for a loan officer and company that really pays attention to detail, is competitive in the market and treats customers with the utmost respect, you have found them. Matt ** and the company he represents are first rate and are my lenders for life.
Reviewed April 24, 2017
I recently called to state my complaint and relayed my disappointment with your bank. Your bank paid my homeowners policy in error and when I called the situation was further compounded when the customer service rep explained that I was wrong and then went on to give me a bunch of bad information. When your bank figured out the problem and left me a message that I was correct, they added I should get in touch with my insurance company to straighten it out.
I received a call on 3/14 stating payment was not received and I would be charged a late fee. I allowed your bank to take a payment direct from my checking account. I found out later that day that the payment was made on 3/7 and received by your bank on 3/11 mailing the phone call and withdrawal unnecessary. I received an e-mail on Friday 4/7/2017 indicating my automatic payment would be withdrawn from my account with 24 hours. The e-mail came after your bank was closed and I spent the weekend wondering if I was being scammed. The e-mail had someone else's account information and their names. I also thought that my account information was being sent out to someone else.
William, I'm sorry for your experience. Appears that is with our servicing department. In future if you have having issues please feel free to reach back out to your loan officer and we can help you coordinate here at HomeDirect to help you get your issue resolved. I apologize for the experience you had with servicing. We hope you still think of us at HomeDirect when you are in need of a mortgage in the future. Can you let us know if your issue has been resolved?
Reviewed April 24, 2017
Simply put he's the best! Second purchase with Nate **. First time real estate agent used, this time for sale by owner selling ours, then fsbo purchase. Guided us, helped motivate various parties involved right up to closing, THE BEST!
Thank you so much for the great feedback Jeffrey!
Reviewed April 24, 2017
Obtained a VA house purchase loan. The service from HomeDirect was superb! Everything was done very professional and the process was clear. All my questions were answered fully. I would recommend HomeDirect to my peers - veterans. I appreciate the fact HomeDirect takes care of us veterans. I am very happy with everything and can't wait to close on new home.
Reviewed April 24, 2017
Was a wonderful experience working with Steve **. Friendly, cordial, but a no-nonsense approach that made the mortgage processes a pleasure. Of all the people involved in this transaction; realtors, sellers, inspectors, VA etc. Steve was the only one we could regularly count on. He provided guidance and insight that set our minds at ease. We've been searching for a home since pre-bubble. My wife and I have met the snakes and all the shenanigans, we waited it out and tried once more with this home. If more people in the industry would model themselves after Steve, real estate and our economy would be in much better shape than it is today.
Reviewed April 24, 2017
VA Home loan refinance - Chad ** and Terri ** were awesome! They were available at all times and very prompt to answer any questions. From start to finish they provided A+ customer service! I would highly recommend their services to anyone looking to finance/refinance a home.
Reviewed April 24, 2017
Matthew ** was the loan officer assigned to me, and I couldn't have been more pleased! He always responded quickly to my questions and took the time to explain the process thoroughly. I had a lot of questions since I was a first time buyer, but I never got the feeling of frustration or being rushed from Matt. The process has been simple and gone very smoothly. We had 45 days to close, and pretty much everything was done with three weeks to spare.
Reviewed April 24, 2017
Erica did a great job handling a complex loan. We have closed loans many times in the past and never really felt the bank was working for us. Not the case with Erica. She was responsive and always had a work around no when things seemed to be at a dead end. Thank you Erica!
Reviewed April 24, 2017
Sam ** is the mortgage officer I dealt with. He is a true professional. He gave me a competitive rate, always responded to my calls and took the time to guide me through the process. The only difficult part of the experience has been the HomeDirect website. Since BOKF is going through some acquisitions and rebranding they have loans serviced from several different institutions and there are multiple login pages presented to you. I hope they eventually make an investment into consolidating their mortgage servicing IT infrastructure.
Reviewed April 24, 2017
I had the pleasure of working with Nate **. My experience working with him was fabulous. Nate took great care of me during me the loan process on two properties. He was very quick to respond, courteous, and knowledgeable. Because of the great experience I had, I also referred my friend to work with Nate on her mortgage needs.
Reviewed April 24, 2017
The rate was so low I thought it was a scam. Not only was it not a scam, HomeDirect was fantastic to work with. This was my first home purchase and Matt ** answered all my questions quickly and professionally. We closed on time and I saved myself a LOT of money. Great lender.
Reviewed April 24, 2017
A friend of mine out of Maryland told me to try out Nate at HomeDirect. I was a little skeptical at first trying a bank out of state but my my was I wrong. I had rates from multiple different banks ranging in interest rates but once I talked to Nate he blew their rates out of the water! For a 30 yr mortgage with HomeDirect I was offered a lower rate than the 15 yr with all of the other banks I had gotten quotes from! The other lender I was talking to actually told me "buyer beware" because she thought it sounded impossible looking at the current day's going market rates.
The service was impeccable too. Whenever I needed to contact Nate he responded promptly and was very intelligible. They serviced my loan quickly and got me to closing on time in light of multiple delays with my employment verification and the home's appraisal. All in all I would recommend HomeDirect to anyone buying a house! Contact Nate at HomeDirect. You will not be disappointed!
Reviewed April 24, 2017
Mathew ** was a fantastic loan officer to help facilitate a smooth, well-informed home loan process. His communication was primarily through email and responded quickly and accurately. We were able to close 2.5 weeks early without any issues. We secured a great rate too! I would highly recommend!
Reviewed April 24, 2017
Chad ** has been my mortgage banker for my last three refinances. As always, it couldn't have gone better. Chad is a great communicator. He always takes time to make sure I understand the numbers. And I always feel like he is looking out for me. The closing costs were reasonable, and the interest rate is rock bottom. Was happy with how quick and easy the process was. Would work with Chad again, and have recommended him to several friends.
Reviewed April 24, 2017
Lori's rates sound too good to be true, but they're legit! Best mortgage experience I've ever had and best I've ever heard! No one in the country can beat her rates and customer service! You won't be disappointed. Get locked in quick and tell all your friends!
Reviewed April 22, 2017
I compared HomeDirect to the other two lenders I was looking at and HomeDirect was more competitive. They offered the same interest-wise, but when it all comes down to services, HomeDirect was better. I purchased a new home and the only program I was eligible for was the VA program. All I had to do was meet their qualifications to get it and that was it. The lender, Nate, and I were able to be on a first name basis and with him being on the phone, we made each other felt like we knew each other on a personal level. He took it from the business level to a more personal and we were comfortable with that. Even though my realtor had a personal broker, I personally didn’t feel confident to be with anyone else, but Nate.
When I first started this three or four years ago, he had reached out to me. So even before I secured it back last year, we were in contact about two or three years prior. Being that this was my first time, he walked me through the process. He also would reach out to me every six months, asking where my situation was telling me, "No, don't do it." HomeDirect got me what I want and it was within my budget. Based on my experience, once I get myself in order, I would trust giving Nate another business. And hopefully, he will give me the same service, as well as the person on my recommendation.
BOK Financial Mortgage Company Information
- Company Name:
- BOK Financial Mortgage
- Address:
- 11880 College Blvd. #320
- City:
- Overland Park
- State/Province:
- KS
- Postal Code:
- 66210
- Country:
- United States
- Website:
- www.bokfinancial.com