United Wholesale Mortgage Reviews

Illegally contacted me for advertisement purposes on my cell via text on my phone against State and Federal Laws. 47 USC 227 (5) specifically. "Unsolicited Advertisement" "Any material advertising the commercial availability or quality of any property or goods, etc..." If they'll break the law to solicit you, imagine working with them!

My experience as a borrower with United Wholesale Mortgage has been extremely disappointing. I was given false or misleading information multiple times, received conflicting answers, and had to constantly follow up just to get basic clarity. At least three separate instances involved information that later turned out to be untrue. Communication was poor, important details were not properly disclosed, and accountability was completely lacking. On top of that, their payment handling process is outdated and inefficient, including the inability to accept standard mobile bank deposits, which caused unnecessary delays and frustration. Overall, this was one of the worst customer service experiences I’ve had during a mortgage process. I would strongly caution other borrowers before working with this company.

I am writing to formally lodge a complaint regarding the handling of my mortgage application. I have experienced several issues involving privacy breaches, unreasonable conditions, and inefficient processing. 1. Unauthorized Privacy Breach and Contact. I explicitly stated that no one other than my broker is authorized to discuss my personal information or file details. Despite this, a member of your QC Underwriting team contacted me directly to question my living and rental situation. This contact was unauthorized and felt like a "sneaky" attempt to bypass the established communication channels.

We have had this company for 11 months. We receive 2+ letters per week regarding problems with our insurance coverage. Example we received letter dated 12/5 on 12/12 that all proof of insurance is up to date. Then on 12/16 we got letter dated 12/9 that stated since we have not provided proof of acceptable flood insurance they "bought" a policy and will escrow our account! When you call the person you speak to cannot readily help and have hung up on us before.

Your reps don’t like taking no for an answer. He called me stupid when I wasn’t interested. Way to run a business. Do you not screen your people before hiring? Do you support your employees name calling? Not very professional.

IMHO, this is the MOST incompetent mortgagor with whom I have EVER dealt with over the years (a LOT of years). At a time where there were fires and insurance fall-outs in CA, I paid my insurance so it wouldn't lapse. This company has some process where you write in and upload documents showing your policy. They are a MORTGAGOR!! THEY are supposed to be communicating with insurance and taxes. It's so time consuming to upload documents, etc. I did though, and informed them it was PAID. Notwithstanding, they then paid the insurance!!!! I then received a check from them AND from my insurance company. They then PUT A DEFICIT ON MY ESCROW because they paid a bill that I had ALREADY paid and then RAISED MY HOUSE PAYMENT!!!.

Do not do business with United Wholesale Mortgage. I have had nothing but horrible experiences with them. The highlights include them requesting my academic transcripts in order to get a loan with them. When I resisted, they left me a voicemail that I have saved saying they needed the transcripts because they were not sure I was qualified for my current job because I "used to be a cleaning lady". *I used to own a cleaning company, although I'm not sure that distinction matters, as people who work for cleaning companies should not be excluded from home ownership.

The mortgage brokers associated with this company are incredibly pushy and unprofessional. They offered terms in the initial call with us, then sent paperwork that did not match the terms. When we told them we were going with another broker, they began pushing, asking why, and we have continued receiving 5-8 calls PER DAY to sign with them AFTER signing up on the opt-out registry and telling them to remove us from their solicitation list. This is harassment, and they do not care.

I cannot say enough about this firm. From start to finish and waiting in between, the Professionalism and guidance I was met with at each step showed me that I chose the right broker. Any issues were addressed immediately which calmed my nerves during this process. I will say I almost gave up buying a home until I worked with my broker and realtor to perform a miracle.... Yes, I am very happy with the business I did with this firm.

Worst Mortgage company I have ever had to deal with. Rude/unhelpful managers/staff. Hard to pay mortgage online. They transferred my mortgage between depts, couldn't pay mortgage because they were not setup to take my mortgage due to their internal transfer. Highly incompetent management, who is unwilling to assist. They try to force you to send a certified check even after a successful payment through their portal. RUN do not use this company! I wish I would have NEVER used this mess of a company. Do your research and search what they are being sued for.