Please.. people out there searching for get a loan.. PLEASE STAY AWAY FROM THIS COMPANY!! They sweet talk you at first.. telling you what you want to hear or believe. And turn around telling you the different story. Talk to you like it is your fault that loan didn't go through. That's exactly what happened to me.. This rep. Nick talk to me like it is my fault that I didn't meet the annual income to get a loan.. so I can't even get my reimbursement amount of $572.00 back.. This is a scam.. A fraud.. I was about to recommend this company to my relatives/friends.. but I change my mind.. Please people!! DO NOT HIRE THIS COMPANY!! STAY AWAY!! FAR FAR AWAY!!

Two days later he called and said since we were not on the title the loan had fallen through. Also, no mention of the “closing costs” we had paid.

Our mortgage company called him to find out what was needed because what we were doing was normally done this way. The title is changed when the final payment is made. Finally got ahold of Chris Friday morning. He reminded us we knew the title had to be in our names first. Exact opposite of what he’d said before the $500 was paid. And his attitude totally changed when my husband told him every conversation had been on speaker phone and his wife had listened to it all. Still no mention of our $500.

I then told him to just put the money back on my husband’s card and we would go elsewhere. I don’t know what the game was. He said as soon as we paid off the house the loan would go through and we’d be fine. I repeated that we were finished and to return my husband’s money. We would never use Mutual of Omaha now because of all of the lies.

I honestly feel as though Dawson ** and his supervisor were only telling me what I wanted to hear just to get my loan. He specifically told me numerous times that I would not have 2 months worth of payments and that amount could be saved to add more to the overall amount of money that I would receive from the cash out portion. I spoke with customer service the beginning of September and the representative told me she saw where I didn’t have the two payments. A week later I get another phone call that I do owe. I spoke with Dawson and now he telling me that the first *skipped payment* was for June.

We closed on the loan the last day of the month and I had already made a payment to my original loan company the first of the month so no June payment should have been due if it was already paid. He also said he told me not to make the payments and that’s what he usually recommends when he definitely told me the complete opposite. I practically begged him to go and pull the audio recordings of our phone call and if he could prove he did not tell me what I know he did then I would give him the amount of my mortgage payment but of course he “couldn’t find those”. He said I signed the document showing the due date. Which sure I should’ve paid closer attention to the 500 pages I had to sign but stupid me was trusting what my loan officer had told me for a whole month. He LIED the entire time and still is now. He was misleading and I would never work with him again.

Several mistakes were made on my original application by my loan officer Renu **. She prepared the original application and sent for me to e-sign. I pointed out there were obvious errors and she said it did not really matter as it is just the application and would be corrected going forward. These mistakes carried all the way through underwriting and some were never corrected and showed up in my closing documents. The underwriting team spent a lot of time trying to get information on a home I had not owned in 3 years. A terrible waste of time that I was told that the error was corrected. It was not.

The worst part is that she told me in our initial conversation when we were discussing the Mutual of Omaha products and rates that the loan rate locks in when my credit card is charged for the home appraisal. In other words if I believed their product was good for me, I would spend the funds required to do the loan application. It made sense to me as mortgage rates were going up and I wanted the rate locked as we went through the loan process. Most companies I had called did something very similar so it was not an issue.

In my dealings with Renu virtually every call came from her cell and these calls were not recorded. It turned out that she did not lock the rate as discussed when my credit card was charged for the appraisal. Since it was not locked in as discussed, the rate escalated and there was nothing I could do. There was no recourse with Renu. In my opinion, Renu is not truthful. I contacted her office manager Robert ** regarding these and other issues and he was less than helpful. He actually did nothing to rectify the situation. He said “would look into it” and “call me back by the end of the day”. I never heard from him ever again. It is my opinion that Robert believed Renu had made obvious mistakes, however by admitting she made the error would have cost Mutual of Omaha significant money to rectify it. My future calls to him went unanswered.

Because of my early experience with Renu’s lack of honesty, I put everything to her in writing going forward. I could not rely on her phone calls since she could say anything without any way for me to verify later on. When I asked her to please respond in writing, she still would call with the answers. Even though I told her I needed my answers in writing, she would still call me on her cell phone. I reiterated that I wanted my answers in writing, she would take days to reply, or in some cases not reply at all.

I had to call other people including Robert ** (he didn’t pick up and I had to leave a message) to tell Renu to answer my emailed questions. Very unprofessional. I originally went with Mutual of Omaha because my refinance was simple and Renu as their representative said it could be easily closed within 30 days and their competitors said to allow for 45 days. It eventually took 61 days to close and there were still mistakes in my closing papers. This was not a good experience.