Quicken Loans

If the company needed something from me, I received an email requesting that I go to the dashboard. When it was time to close the loan the company sent an attorney to my home that was able to walk me through the documents as well as notarize my signature. The money was transferred to my account when the documents were filed. I would recommend this company. The customer service was good and efficient. The online process worked well. The one downside that I don't like is the sales after the process. I don't like getting the phone calls trying to get me to refinance my loan at every rate change. To me that is the company looking to have me spend money on closing a loan that I don't need.

So here we are 5 years later and work a month behind on our payments. And no matter what we do we can't seem to catch up because we could getting hit with different expenses. I just wanted to give a review for our account resolution specialist Ashley **. We didn't get a chance to talk we only use the chat online, but I was really pleased with how punctual she was with everything and she was just overall really sweet. It's kind of hard to feel that through texting but she made it possible. And I just wanted to give a big thanks for sending the $100 gift card for us to grab some quick meals while our kiddos are going through the tough time that they are.

She had asked me why we were behind on payments, as we are in the middle of a loan modification, and I told her both of our children had gotten sick. One has ITP and the other one has Chiari malformation and it's just been a struggle with everything being back and forth to work and she so kindly sent over a gift card for $100 for us to help us out with food. So not only were we behind on payments but she also helped us out by sending us $100 gift card and I am truly grateful. I'm glad I went out on a limb and took a chance with Quicken Loans because it has been all worth it. Even jumping through the hoops.

They make sure that I will be happy working with them and give their best to give me the information that I needed with the property that I am working with them to make it clear and that I will not going to have any problem in the future regarding with the property. It was excellent and makes me more reliable and good experience doing business to them. It makes me more going to use this business for the future. They will going to make great process and program to make things work in both sides to make the payment more easier and not so much hard for both parties.

I locked in a good rate and after that started using the Quicken website to upload documents. The website was easy and someone from Quicken was always calling to see if I needed anything or let me know how the documents I uploaded looked. I really couldn't have planned it any better myself. I also like the website Quicken has to upload all your documents. It told me exactly what I needed to do and what my next steps were. If I wasn't sure about something they were always there to help me. Usually calling me before I had time to call them.

Everything truly went well. They were quick and thorough on getting me a rate quote and the paperwork required was what you would expect. Since then everything has been great. But their 15 year rates weren't quoted as competitive as their 30 year. For most this isn't a big deal but for previous homeowners who don't want to go backwards on their mortgage this is a big deal.

With that said, my experience was easy and fast. From the time I applied online, I got a call from Brandon and right there, he was in my corner. He was not pushy or did I feel like a number. Of course his job to get paid; what’s wrong with that? However, he was not overbearing or anything. He explained to me the process and from there, it was just a matter of getting pre-qualified. That took all of five minutes.

From there, it was just the normal procedure of pre-approval, getting paperwork, underwriting, etc. Yes, they ask for a lot of paperwork and there were times when I questioned why you needed that. But I gave them what they wanted IN A TIMELY MANNER. When I got my disclosures, Brandon explained to me line by line what each one meant. He explained fees, points, choices of interest rates, everything. Again, I had did research so I wanted to see if what he said matched up to what I learned. It did. At no time I felt I was being taken advantage of.

This company believes in communication, sometimes to a fault, but that is ok. My questions were answered swiftly and accurately. When I had a concern, they were there. At no time I felt alone and that was important to me a first time home buyer. When I ask a question and we finished talking, they always said “you are welcome”. This triggered an email stating that you have a message. That part was a bit too nice because you think there is something important in your account, but again, that is my thing. Too much is better than not enough.

When it came time to close, I have my closing docs a week before closing. This allowed me to schedule a time with my lawyer that worked best for both of us. We signed three days early and come that Tuesday, QL had funded the loan before I even had my keys to the house and was registered in Deeds. QL was awesome. Again, this is my experience. My experience was stressful, but looking back, it was super smooth. Everyone was friendly and knowledgeable. I am a fan of QL and will sing their praises everywhere I go. Thank you QL!

I receive my Social Security and a survivor benefit from Social Security from my husband. I looked up loans for low to moderate income, senior, disabled and found the USDA GUARANTEED HOME LOAN. I looked for rural property in my home state of PA and called the USDA office in Harrisburg PA. I didn't know that there were two kinds. They sent me an application, and I looked on the list of lenders that they use. Quicken Loans was on there so I called them. We pulled my credit score and the man in the credit dept told me what I needed to do to bring up my score for the USDA.

I did what I needed to do and then applied, thinking I was applying for the USDA GUARANTEED home loan for those who can't get a conventional loan. Lower income. I was approved, then the guy at Quicken called me back and said, "No, that is a mistake, you cant get a loan." "What??? You approved me up to 80k? You pre-qualified me." First before that I applied for around $125k, that was approved. Then they changed it to 80k, then he said, "No, you can't get that either(??!)." Then they called back and said they looked at an old credit score and raised my pre-qualification to $139. I went out of state and looked at a home I had been watching. I made an offer. It was accepted. I had to come up with 10k in Closing for FHA. I had to get a gift letter from my companion, he was going to sell this house and move up with me.

I did all I needed to do. I paid the $1000.00 good faith, the $295 for the inspection. I was jumping through all the hoops with bank statements and the sellers fixed things after the inspection, offered money towards closing. We are 3 weeks away from closing, saving up so that I won't even need the gift, they call me and say that the taxes went up so they can't approve my loan, my income to debt ratio is too high now!! This isn't the USDA Loan either, the one I wanted. They said that has stricter guidelines! I thought it was to help people?? I called Washington to speak to be the head of the program. He told me there's two programs. One uses bank financing, the other you apply directly to the State where you want to buy.

No one ever even told me that. Quicken Loans told me it was easier to go FHA. THE USDA loan for low to moderate income is what I started a year ago but didn't apply because no one knows anything about it. The loan that I was approved of right up to today and was snatched away, well the Quicken Loan rep asked if I had a co signer, I said yes my fiance, he had a shoulder replacement from an accident at work so he's on disability right now then he is going to retire in a year, they won't accept disability income!!

Do not count on getting a loan through Quicken Loans when they tell you you are approved unless you are rich. I don't understand how the company that did the title search came up with the higher taxes after the appraisal, I was purchasing it for $132k it appraised for$134, so that made the taxes or projected taxes go from $90 month to $120 a month and changed my debt to income ratio?? So now I'm not approved. 3 weeks from closing. And the poor sellers too, planning on moving closer to their grandchildren. I love that house.