Zillow Home Loans Reviews

Cristina ** made our first home buying experience amazing! She clearly walked us through all of the steps (repeatedly, when we’d forget, and was happy to do so) and made sure we knew what to expect throughout our home buying process. She responded to our questions and needs extremely quickly (still not sure how she’s always so on top of things, because she is) and was very supportive throughout the process. We are first time home buyers and were clueless to the entire process. We actually enjoyed the entire experience, and we know it’s in large part due to Cristina. We are excited to recommended Zillow to all of our friends and family.

After almost 6 years of renting, a house in our school district that was within my budget comfort and fit all criteria for my family hit the market; however, it was a hot ticket item given the low (affordable) inventory in the area. I knew I needed to secure a pre-approval quickly in order to have my offer considered and have a chance to finally purchase a home.

Used Home Loans as my lender and has been the most horrible experience; they never answer on time, the closing was delay several weeks because the third parties that they use were not available. They dragged all the processes for days and we incurred in more expenses due to their delays. I would not recommend Zillow Home Loans.

Scott ** did an awesome job handling all documents and was able to answer all of my questions. He was very good about keeping me up to date on all aspects of the loan process. Scott and Julian A++.

Mr. ** was wonderful to work with from start to finish of my mortgage refinance. From the very beginning he was always available to answer my questions and went over and above getting answers for me regarding my unique situation. He frequently called to give me an update as my application worked through the process. The only problem with the whole process was due to the title companies inability to meet their deadline. He keep in touch with them and updated me repeatedly which was much appreciated. He was a delight to work with and his professionalism and knowledge made the entire process a wonderful experience.

There was severe miscommunicate with Zillow home mortgage when I called before to see if I paid.. Also there was misunderstanding on my part. My credit score is messed up but they are willing to correct it. Also, my part is I am disabled and when I get stressed I disassociate. I did in fact owe May because we closed March 28th not April 28th. With all the stress of Covid and the misinformation (also I am traveling, so I could not verify the date of closure). If when I called to see if I owed May they informed me "yes you do" I would have paid it that very day. I got a letter saying my first payment was in June from Mr. Cooper... and a letter from Zillow saying I owed May... if they told me I did owe when I called confused asking if I owe May or June... I would have paid them that day.

Josiah was great to work with. He was always available to answer my questions. Excellent customer services experience. When we didn't think we were going to find a house Josiah helped encouraged us to keep looking. Couldn't have asked for a better person to work with. Would recommend Josiah to everyone I know. He is a 10/10.

Johnathan was clear, concise, and extremely knowledgeable throughout the entire process. All that and has a great sense of urgency, professionalism and most importantly aware of the stress the the customer is feeling. Thank you.

Scott ** was a wonderful loan officer. He was always available to answer questions and keep us informed about where our loan process was. Scott would even return calls on the weekend which was just amazing. I would recommend Scott for anyone buying a home.

Scott was available to me day and night and put me at ease the whole time when looking for my first home! Even when I was changing realtors, I stayed with Zillow because of Scott. He explained the process in detail, each step, additional charge and gave examples from his personal and professional experience that gave me reassurance in the process. Even though he was states away, it felt like he was someone I could visit right down the road. Can’t say enough good things, 5 stars for everything.

Scott did an amazing job. He answered every question I had in a timely manner. We a lot of different delays in getting our loan and he did everything he could to keep us on track for our closing date.

We received the best in customer care across the board! From financing to loan processing Josiah and Paul have been wonderful. Anytime we had a question they were always willing to go the extra mile to help. Would definitely recommend to friends and family looking to sell and/or buy.

I have to say that I am amazed at this experience. While I came prepared to supply piles of documents, the process was made easy by Andrew and Angi. We had our closing 11 days after submitting an application. And, while the interest rate was virtually the same between companies, Zillow had no upfront fee to process the loan. And, we had no need for an appraisal as Zillow waived the appraisal. We've done 5 or 6 refinances over the last 40 years and this was the best experience of all.

I’m updating my review post resolution. Zillow followed up on my review and solved the problem in a matter of a few days. I went back to the two people that I worked with until closing and they escalated the issue. Unfortunately, the IT system and the collections and customer service teams need to improve to make sure these problems don’t happen and/or get solved when they do.

After receiving disappointing service from two (2) traditional lenders (large cap US based banks) we decided to give Zillow a shot at refinancing our mortgage and outlined three (3) goals we wished to achieve, including elimination of PMI, adding my wife to the mortgage, and reducing our payment. All goals were successfully achieved. The online application was designed to facilitate the workflow and worked flawlessly. We both felt the entire experience was handled professionally and expeditiously. We will engage Zillow for future mortgage transactions and will similarly skip those other banks.

Michael ** was extremely helpful at the beginning of the refi process, but I'm sad to say I did not get responses to my emails, text messages, or voicemails/phone calls at the end. We received a statement of denial on November 19th, and I wanted to understand why. I could tell from the document the DTI ratio was the issue, but it would have greatly helped to know the amount we were over so we could reapply, as this refi was extremely important to my and my family's financial future. Unfortunately, I never received an answer after several attempts to reach him and would have appreciated if he had closed the loop with me.

Kathy ** provided a great experience, she delivered on all the timelines/promises. Zillow Home Loans was a very quick and seamless experience. I highly recommend both Kathy ** and Zillow Home loans.

This might be the worst finance/mortgage agency I’ve every dealt with. Refinancing was easy enough and shortly after they transferred the loan to another lender. Standard. That was supposed to happen 2 months ago and now I now have 2 mortgages on the same property. I cannot get anyone on the phone and when I do there is nothing they can do. I am promised call backs but never get one. I have left multiple messages and emails with different people and not a single reply. I now have my files a report with my credit agency to investigate it. This is complete incompetence on every level. Covid or not this has been a ridiculously frustrating experience! Stay away.

Zillow is fast at getting you the loan. Then they sell it and the NIGHTMARE begins. They are totally incompetent in servicing the loan. They are not even sure which loans are theirs and which ones have been issued to other mortgage companies. They will keep billing you, post your account delinquent, and threaten foreclosure, even when the servicing of the loan is not theirs to service. This is the worst company you can choose for a new or refinance loan.

My wife and I got the pleasure to work on refinancing our home loan with Kathy **. She was in constant communication with us, even on weekends, updating us on the status of our home loan. Kathy made what seems to always be a difficult process an easy and straightforward experience. There were no sudden fees or tricky paperwork. Kathy ** made it all so easy. Overall, outstanding customer service. Already gave her business information out to my friends who are interested in purchasing/refinancing their homes.

After shopping around for the best interest rate Zillow was offering the same rate as another lender but Zillow was easier and very prompt so I decided to go with them. From the start my entire experience was great!!. Auston was great, and Diana was phenomenal!! Both were very fast and prompt when replying or requesting documentation. The entire refi was done online except the final signing and with the portal was simple and fast. I have to say that I enjoyed the whole experience, I got the rate I wanted fast and easy and Diana was a blast to talk to!! Would totally use Zillow if I ever refinance again. Thank you Auston and Diana!!

Kathy ** at Zillow did a great job on our refi - easiest refi ever - thanks Kathy - the process was easy to do - Kathy handled all the paperwork and answered all our questions - I would strongly recommend Kathy ** and Zillow for your mortgage.

Working with Zillow home loans, specifically Claudio and Steve, was superb! They answered every question we had to make us feel more comfortable with the loan we were getting. We closed faster than we expected and would recommend anyone looking to refinance or buy a new home check out Zillow home loans.

Steven and Edith helped us with our refinance and got it done super fast, without any problems and with a great interest rate. Other lenders told us it would take 60 days, but Zillow was able to get it done in well under a month. Very pleased.

My Loan Officer Austin **, was simply amazing. He was patient, listened to my needs and provided me all the information in a concise manner. He provided his opinion about the different options and choices, helped me walk thru the pros and cons, that I found very useful. Zillow Home Loans, had a good online portal that allowed for easy uploads and status updates. Austin was also very responsive if I had any questions, thru-out the whole process. Clarity, Simplicity, competitive rates and outstanding customer centric team make this company hard to beat. Thanks again, Austin!

Kevin ** and Laurie ** made it so easy to complete a refinance. If you're trying to save some interest costs in these historically low rates, you can comfortably head into the process knowing it will be painless and quick.

I've never refinanced before, was unsure what to expect from the process, and asked about 10 different vendors for quotes. Michael ** was the only one who the took time time out of his day to explain the process to me. From the start, we spent 30 minutes on the phone, and from our conversation, I felt comfortable knowing what to expect. He was also one of the few to provide me quotes upfront, and by FAR his/Zillow's quotes were the most detailed and transparent. He gave me 3 exact breakdowns which I could compare side by side.

As background, this was my 3rd refinance in 10 years due to falling rates. I say this as I have not had any issues with the other home loans I have gotten. As a quick summary, this was a fairly priced loan, but it appears that Zillow is not ready to take on any servicing. This is a best case assumption. Worst case, they are actively trying to extract money from the consumer. I wouldn't recommend them to anybody. See details below.

Zillow Home Loans, and specifically our assigned officer Michael **, did a fantastic job giving us a great refinance experience. After shopping around for a bit, we found Zillow's rates lower than the competition. Our loan officer was incredibly communicative and patient to explain the process and what to expect as we went through our first refinance process.

I reached out to Zillow Home Loans myself after doing some searches for home loan refinancing based on company reviews and current rates. Currently, the process is quite simple with Zillow because of the whole Covid-19 situation but even so they handled any issues quickly and professionally. I worked with Steven ** directly and his depth and breadth of experience definitely eased the process a great deal and he was either able to answer any questions I had immediately. I would certainly consider them again if I have the opportunity to move and require a new home loan.

Brianna ** with Zillow Home Loans was extremely terrible at responding to my emails, calls and questions. She ignored my emails for days and responded in seconds when I told her I found a better lender and that I was under contract. Would not recommend to anyone.

The loan officer and processor were professional and friendly. They made the process quick and easy. They made sure to explain what to expect next and answered my questions. The rate was very competitive and the fees were lower than the competitive quotes that I received. I wholeheartedly recommend you give them a shot.

We shopped around various lenders and landed on a few that had really low rates and closing costs. Most of those lenders had terrible customer service. We decided to go with Zillow Home Loans, my Home Mortgage Officer, Kevin ** went above and beyond during the entire process. He called me daily during the review and underwriting and after close with daily updates and checks. Kevin ** made sure that Zillow remained competitive with other offers and I ended up with a rate and closing costs that outbeat the rest.

I applied for mortgage refinance through Zillow in July. Agent Michael ** gave us fast and great help in the process. Just in one day after we completed our application, he could send us the initial disclosure. He explained the different rate options. With his advice, we could lock in the best one that fitted our need in time. Also the rate is a better one as compared to the other loan company I applied at the same time and was very competitive when I did research online. He kept us informed of our progress even he said no news is good news for the approval process. It's a very pleasant experience working with Michael for my application. Christina ** was also very helpful during the data collection process even there were a few times of back and forth additional data requests. That indicated Zillow is serious and secure in doing loan business. It took about 17 days from our completed application to receiving the final closing document. I enjoyed their services.

My husband and I recently refinanced our home through Zillow. Auston was our refi agent, and I first and foremost want to express our appreciation for his hard work to get us the best interest rate possible. My husband and I shopped around and dealt with several companies, but Auston was great because he made a stressful process very easy. If we had any questions or concerns he immediately got back to us. I would highly recommend this company to my family and friends. There are several companies to chose from, but the main reason we chose Zillow was because Auston was honest and genuine, and we did not feel pressured our intimidated. Thanks Zillow and Thanks Auston!!!!

I worked with Michael ** from Zillow Home Loans for a refinance to my home. He was different from all the refi agents I've worked with in the past. Not only did he get me a great rate, what really stood out was his genuine and transparent attitude, I felt as if he was on my side the whole time as opposed to someone who was just trying to get business from me. He remained attentive even after we decided to move into the notarial signings. There were some last minute issues that came up, as with many loan processes, and Michael jumped right back in to provide me explanations, details and assurance. All in all, I'm very pleased with this refi process and would 10/10 recommend to anyone else looking to refi a loan.

I worked with David ** throughout the process. David was professional, helpful, knowledgeable, ready to answer any questions I had along the way. Great experience overall. The process took three weeks from inception to signing and went smoothly all the way.

I had the pleasure to work with Kevin ** and Lily **, let me just say they provided excellent customer service! I was kept informed of the process through every step of the way. They went above and beyond my expectations, not to mention how quickly the process moved along. I can't thank them enough!

Kevin ** was amazing through my refinance process. He kept me informed the whole time. He was patient, professional, and very clear on the process and steps. Ely ** was also fantastic to work with and always available. I highly recommend them both!

I shopped around with 3 different mortgage lenders, including a local company, Rocket Mortgage, and Zillow. Zillow had the best rate and made refinancing really simple and straightforward with the online platform. My #1 reason for giving it 5 stars is because unlike Rocket Mortgage, Vincent didn't pressure me or twist my arm--there wasn't a sales pitch at all, just the facts.

I chose Zillow Home Loans with the purchase of my first home, and they did an excellent job! My loan officer is Steven ** and he is top-notch and very professional. He kept me well informed throughout the process and helped me a lot. The interest rates they offer are good, and their team is the best! I am now living in my dream home thanks to Zillow Home Loans. If you need to get a mortgage loan, this is the way to go!

Matthew ** and Laurie ** were quick to answer questions and address concerns. The entire process was streamlined and easy to follow. The only thing that takes time is the loan team review of documents and releasing the disclosures, as expected with any mortgage application. I had other opportunities with other companies and decided to go with Zillow for ease of access since I work full time during normal business hours and don't always have time to just get up and leave for appointments. They took the time to set up a local notary so I could take care of that off hours, and to come right to my home!

I have been working on a home refi with Zillow Home Loans represented by Kevin **. We are nearing completion and so far everything is going smoothly. I have refinanced at least 3-4 times and it has never been so quick and issue free. There was one issue needing resolution, and Kevin was able to quickly jump in and resolve it in my favor. As information collection proceeded, Kevin responded to every call, email, and phone call quickly.

I shopped online for several options for refinancing our home to a 15 year loan and have done the same previously on two other homes. I just have to say that Zillow Loans has been the most responsive and diligent lender I have ever dealt with. Stephen, our loan officer, and his assistant Crystal did a fantastic job of navigating through the agonizing steps of working with the SBA to settle on a lien on our house as a result of a disaster relief loan. The end result was that we were able to get a loan at a rate that was 0.63% lower than we were originally locked in at. The use of e-signing made the paperwork easy to follow, understand and helped move the process along quickly. I highly recommend Zillow Home Loans and would use them again in a heartbeat.

Jack, our loan officer, did an excellent job guiding us through the refinancing process. He kept us apprised of the progress along the way. We were kept informed of all developments and what information was needed to complete the loan.

The process was easy and seamless. The Loan Officer I was working with, John ** (JT) was very pleasant to work with. He was able to get me a quote closer to what I was hoping for and was very accommodating to my many questions throughout the process. All steps along the way can be done via online portals and emails, which is great during the pandemic. I would recommend giving John, and Zillow Loans a shot.

I found Zillow Home Loans through internet, and honestly I was a bit skeptical because I have never done this. At that time I have already started process with different Loan company, however that company never contacted me back. Zillow on the other hand, (I work with Vincent **) is great to work with from the beginning. My case has a lot of pieces to move around and Vincent is able to move those pieces around and provide me and my husband a much better interest rate for the next 30 yrs. There was a bit of delay in process, but I think it is within reasonable time. Vincent and his team are thorough and transparent with the process. So thank you Vincent **, Brian and Reid for your help!

I can not say enough. Shelly was amazing. Very detailed. Asked for all paperwork, so that once it reaches the underwriter they need minimal additional documents. Friendly, responds fast, caring, amazing to work with. She helped make our first home purchasing experience a memorable one. A lot of loan officers I spoke to with other banks I can tell they just wanted the commission. Shelly actual looked online at the home we were looking at, and spoke to us for a while. Trust me, Shelly was amazing!

This review is in regards to our experience in working with our loan officer Anthony **. My husband & I just purchased our first home. We're glad to have found Anthony, an overall kind and knowledgeable person. He took the time to patiently answer all of our questions no matter how redundant or silly we thought they were. He was prompt and always made himself available to us and our realtor and explained every step of the way with thorough examples, which eased our anxiety during this unfamiliar process. Anticipating our needs and advocating for us to meet contingencies in a timely manner also says a lot about his hard work.

So it’s hard to express going from being skeptical of anything online to having a 45 minute conversation with a man named John ** And ending the call with the feeling that I was dealing with an old friend who I trusted to have my back, and would do right by me. I don’t know if my instincts are that keen but with everything now completed I can honestly say I still feel that way about my entire Zillow experience from start to finish. That wasn’t just my account though as everyone I spoke with Weather and be the sellers agent or my closing company everyone along the way made it a point to tell me how great Zillow was to work with and how friendly and efficient they were and a pleasure to deal with. Honestly I just can’t say enough great things about John ** And everyone I dealt with at Zillow and Highly recommend John ** and Zillow Home Loans LLC.

I have a great experience with my Zillow agent, his name is Eric **. He helped me with purchasing my condo. Eric was always there for me when I needed something. He would always respond back to me right away. Eric is very good at what he does. He knows exactly how and what to do when I needed to purchase my condo. I appreciate very much his help and work. If I would ever need to buy something again I would definitely choose Eric again.

Kevin gave options, advise, and worked with my portfolio manage to ensure I was making the best decision. Always curious and understanding. He treated me as a respected friend even though we just met.

Kevin ** helped me through the entire process. I was able to complete my application on my iPhone 6. He understood my desire to reduce my monthly mortgage payments & interest rate from my current rate at Chase.

I've been working with Kevin ** to refinance my home. He presented me with a great deal right out of the gate, no haggling required. The terms were even better than those that my current mortgage company offered, loyalty incentives included. The application process through the online portal was simple and it walked through everything step-by-step. I would definitely recommend Kevin and Zillow Home Loans to friends and family. Actually, I already have!

I went through 6 other lenders in my search for the best deal before stumbling upon Joe ** contact information with Zillow Home Loans. He has gone above and beyond verbally holding my hand through every step of the process and teaching me along the way. He made financing my home extremely easy and not as scary as it seemed when doing something this complex for the first time. I bought my house nearly 3 months ago and Joe ** STILL calls and checks-in on me to ensure I'm making sound decisions. He has my business and personal recommendation for life. I will be buying many more properties in the future and it's SOLELY because Joe ** showed me the way and made my experience easy. THANKS JOE!!!! CHRIS **.

Refinancing my home through Zillow was incredibly easy and the customer experience process was fantastic. My agent was Shelly, she was always patient, kind, informative, and worked tirelessly to get my refinance complete. Shelly helped me save hundreds of dollars per month. I cannot express how grateful I am for her service and Zillow Home Loans. If you are looking to buy or refinance I can tell you that you will have an amazing stress-free experience with Zillow. I highly recommended them, and if you can get Shelly as your agent, it's a double win!

I worked with Jon ** and he walked us thru the entire process on my timeline. He kept us on track at every step and set everything up the way I wanted. I have refinanced or closed on three houses in the past 18 months and this was by far the easiest and quickest ever.

I recently went under contract to purchase a home. Zillow had a good rate so I decided to move ahead. I received a pre-qualification letter from Zillow and started my loan. After providing all the documents they requested, they changed the qualifications on me several times. I provided additional details and then the qualifications were changed again. The real problem is that I had a pre-qualification from a bank, however, made the mistake of moving ahead with zillow. 1 day before we were supposed to close, they issued a denial. I have financed several homes and understand the qualifications very well, however, despite me meeting the qualifications, they did not want to do the loan. I suspect something is going on behind the scenes that is not good for lending or the housing market. These guys are the absolute worst.

We refinanced with Stephen (Jake) not only for one but two houses. He is professional, friendly, knowledgeable, trustworthy and everything you want in terms of mortgage lender. He will let you know where you are in the loan process without you wondering what is happening to the loan. This was the easiest refinance that I ever experienced and trust me I have refinanced many times! He and his team are the best people in their business. Not to mention he gave me the lowest rate that other mortgage lenders could not even come close too. We would highly recommend him to anyone that want to refinance right now. Just call or email him. You will not be disappointed.

James ** helped me refinance my condo. It was such a smooth and painless process, I’d highly recommend him to anyone needing a loan! Zillow Home Loans always kept me up to date on the status of my refinance, and they are my lender for life! BB>LB.

"Jake" ** took great care of me throughout the process. If I had any questions he and the rest of the team at Zillow were quick to respond. The only negative I can think of was that the website kept asking me to approve documents that I had already signed. But that was pretty easy to deal with.

This is my second home with Zillow. I worked with Jake both time. He is so professional and easy to work with. He is available 24/7 if you have any questions or if you need anything. Before I started with Jake I apply in Loan Depot. First mistake was they ask for $45 to check my Credit. After I apply in Amerisave, Loancare, Quiqen Loan etc. They called me back two months after application. I don’t want to work with those companies if they offer 0.5% interest so if you want fast and satisfied service call Jake. Thank you very much for your help. I wish you best!

Zillow is the worst. I was pre approved...Told by “Sam”, "It’s a done deal...Have a Margarita and celebrate." So we packed up our house in preparation to move. We paid for an appraisal....We set up utilities. Home insurance all ready to go and almost 2 months later they tell me we are denied because they can’t accept my self employment as income. Not to mention the lies that my loan officer “Sam” recommended I tell in order to work around the self employment issue. So now I have no new home, I’m out over 600.00 with nothing to show for it AND I have to unpack my house because we aren’t moving. Stay away!!! These people are not who you want to do business with! I am consulting an attorney. Please learn from this and save yourself the heartache and hassle.

Zillow Home Loans/ Zillow Offers is a dishonest, deceitful, untrustworthy corporation. We were set to close both buying and selling during the unfortunate event of the pandemic, and statements were in articles and the on the news regarding Zillow's decision to halt all processes. The agents and managers assigned to our Offer completely stopped communicating with us and blocked our numbers. The real estate agent involved attempted to have us pay $250 a day, every day, to continue the process until an indefinite time in the future. We have lost our earnest money deposit, we have lost $500 appraisal fee, and we were told by the National Association of Realtors that Zillow Offers is filing for bankruptcy and will not be fulfilling any monetary compensation offers. Beware of Zillow Offers, Zillow Rewards Program, Zillow Home Loans, and Active Realty.

I absolutely loved working with Zillow Home Loans. The seller had some last minute problems but with my team on Zillow, we were able to close on our actual closing date (only 28 days) with no hiccups. My case really put them to the test, even to write out a new loan contract on my closing date. My loan officer, Mike, was wonderful. Always kept me informed, never made me feel like I was wasting my time. I absolutely recommend this company, actually my lender, Mike ** to anyone who asks me who I went through to get my forever home. This company has made the dream of 5 little kids come true and I will forever be grateful.

Quick pre-qual, but actual application went delay, Delay, DELAY that seller almost backed out. Questionable ethics, asked spouse for password to expedite printing out bank statements, only upside is local bank closed in THREE weeks vs ZHL's delay of THREE months. Local bank didn't understand the need for (nor needed) all that ZHL asked for. Good luck with your closing if you go with this company. After 3rd delay I went local bank based an earlier review from mine which followed the same pattern, thanks for that you saved our buttocks and we still got the house that matched the rate AND reused the appraisal. I am here pay it forward with my own cautionary tale.

Delay after delay after delay. They caused me to get a higher rate after the FED raised rates in the middle of my application, even though my agent Cody said my rate was “locked in”. There was a period of a week or so that I couldn’t even reach him because he told me he was having issues at home. He also made many mistakes, including miscalculating the closing costs by over $4000. He also caused the closing to be delayed by over a week because he didn’t know that there was an exemption in the 30 day waiting period for FEMA insurance for new mortgages. I almost cancelled everything due to the mishandling of the whole process. Do yourself a favor and don’t use this company.

Very bad at handling mortgage applications and mortgage servicing. Worst company in the USA. They do not respond to realtor, they do not process credit check, bank transaction check, loan check in timely manner. They take 1.5 months to process. When they transfer loan to other servicers, they keep asking for double payment to them for months.

Credit ok, not bad but not good. Called Zillow and was prequalified. Found a house, put in an offer and submitted ALL paperwork to Zillow in a day. A week later, heard nothing. I called our point of contact and was told all ok. A week later, nothing. I called again and again was told all ok. Closing date set, real estate agent also in touch with Zillow contact and was told all ok. 4 days before our close after trying to contact our Zillow contact 3 times, she emails that we are denied because of a late pay. FHA allows 1 late pay and that was disclosed ahead of time before the prequalification. Zillow contact would never return call after that.

During the pre-qualifying process the experience was fine. There were a few hiccups with repeated faxes that were either misplaced or electronic issues or simply needed clarification. We were assured a 30 day close would occur because of my prompt response and provision of each piece of information requested and of course I'm prequalified right?!

I was in contact with Ryan ** Mortgage Loan Officer (NMLS ID #**). I have not heard back from Ryan in over two weeks. I sent all of my documents and information in, in a timely manner. When sending in my paystubs, it took Ryan a week for him to contact me and only because I contacted him first. When I did so he apologized and stated that he "got delete happy" and deleted the documents that were submitted.

Mr. Steven ** is the ABSOLUTE BEST Loan Officer EVER!!! He is a true angel on earth with all the knowledge, guidance and comfort any borrower would desire when buying a home. He made our process: easy, even in the most difficult phases; fast, when others tried slowing us down, smooth, whenever a speed bump appeared; comforting, reassuring us every step of the way to keep our faith. Most importantly of all, he saved us from buying a lemon. Every buyer's biggest fear.

My husband and I are first time homebuyers and it was our very first experience working with this loan company and it will be our last. We were searching online and they reached out to us. Pre-approval process was very easy... So easy that they even pre-approve my husband for a greater amount than what he was stating with just 3 pay stubs and nothing else. I thought it was a miracle that they would still let us go all the way through to very end even when the numbers didn’t add up in the beginning.. Making 3x the amount (which my husband was 30k behind the amount), good credit, etc... We went along with it, because we were hopeful, new inexperienced homebuyers, and believed they were trying to help us. Everything was going good until the very end...

If there was an option for ‘0’ stars, I would select that option. This is the most unprofessional company that I’ve ever dealt with in my entirety. I was approved for a loan and sent an approval letter for one amount, then received another for another amount (higher than the first), then upon making an offer 2 weeks later, was told that a loan could not be provided without a reason. My credit took a hard inquiry/hit from this what I believe to be an illegitimate company. Red flags were constantly presenting themselves throughout this entire process. Advice from my realtor is to file a complaint with the BBB as well as the proper authoritative figure for the company, which is what I am in the process of doing. I would NEVER recommend this company to my worst enemy if I had one; let alone the employee, Landon **.

Started the process in Sept 2018. Was preapproved. I found a house in Oct 2018. We were set to close at the end of Nov 2018. I am currently enrolled in grad school and my loans are in deferment. I kept asking my lender if everything was ok, did they need more documentation, etc. Ricky continually told me everything was great and he promised me the loan would go thru. We didn't close in Nov because suddenly they needed more information. Then my student loans weren't allowed to be in deferment. I kept being told maybe tomorrow for approval, maybe tomorrow.

For a first time home buyer I had no clue what to expect. Or even how to navigate the process. Sarah ** was amazing to work with. She walked me through step by step with absolutely no pressure at any time. Her patience and diligence to get me exactly what I needed and process my many requested changes was nothing short of saintly in my opinion. She was able to explain things to me in ways I could understand and make the best choices and I couldn't be happier. She was always easy to contact and her follow up was always timely and so very cordial. She was always quick to ask about my children and how my travel with my job was going. She made it a very personal experience which for me was super important to feel like more than a number. Overall a 5 star experience and if I could give more stars I would.

Despite being provided everything they asked for weeks before the projected closing date they suddenly had a mountain of obscure additional information they needed ON THE DATE OF CLOSING! I must have asked my lender half a dozen times if they would need specific things that I knew would be challenging to obtain and lo and behold even after being told they wouldn’t, they did. It now appears we will have to close a full week late and they are absolutely not apologetic. It is my belief that their “senior” loan people are in fact very inexperienced. Horrendous. Look elsewhere.

We sold our home and were moving. Our buyer used Mortgage Lenders of America which ended up being a huge disaster. They had a month and a half to get his loan ready for the closing. We had a closing date set for a Monday. We were informed at 4:45 pm on the Friday before the closing that we would not be closing on Monday but maybe on Tuesday. We ended up closing a week later on the next Friday but it was too late to close on my new home. It delayed our closing on our new home until the following Tuesday because of the holiday. My lender got my buyer's file and reviewed it during this delay process and said that there was no reason why they missed the close date with the amount of time they had. My lender was ready to take over if he had not closed when they did. My buyer was really mad also.

My agent seemed to be less sure of the entire process than I was, and it was my first time attempting to buy a home. My questions were blown off, or just not answered, and it seemed like every couple of days there was a list of new hoops to jump through, but jump I did. Two months into the process, the afternoon before I was supposed to close, I get notified that the underwriters had changed their minds on their decision to approve me, based on information that I had given them on day one. This was after they had reviewed everything multiple times and given me my approval. This forced me to miss my closing, and forced the sellers to miss the closing on their next house. I can't recommend avoiding this company enough, their service is garbage and their staff is untrained. I ended up going with another company that managed to pull off everything in half the time MLA did, and they actually saw things through to the end.

I also was a victim of this company. I was online house searching and a man by the name of Jeff ** contacted me on my phone telling me he could check to see if I was prequalified for a home so I gave him my information and he told me I was prequalified so the next day I found an realtor agent and started my house search. This was early November of 2017. I found the house of my dreams and I contacted and gave him all the information he needed on the house and he said he would get started on my contract so I paid my $1000 dollar Earnest money. I paid my $525 appraisal and my $267 for inspection. So as a first time home buyer I was excited. I was given a closing date of December 30th 2017.

I am a realtor in PA and have had one of the best experiences with Erik ** Mtg. Originator of Mortgage Lenders of America and the transaction he made come true. Erik is professional and experienced in the mortgage business. He had the understanding of my buyer's needs. This was my buyer's first home purchase. Erik took the time to explain the process and worked with the buyer step by step to get us to closing. He took challenging buyers and made them home owners, meeting deadlines and state regulations. Without his help this deal would never have happened. When referring lenders I do not hesitate giving Erik's name to my clients.

This company search me out after I went house shopping online. Greg ** contacting me, offering to get preapprove. I did so. 2 months later, after going into a contract on a home Greg told me I didn't qualify for the loan. His call came 2 hours after I mailed the diligence and Earnest money. He had looked at a VA loan when my wife and I did not have military experience. He then looked at another loan and said it looked better and it should work. A long story short, after signing disclosure and sending all the documents the underwriter ask for, he told us we did not meet the qualifications. We are out of the $500 diligence money, and now Greg won't answer the phone. STAY AWAY FROM THIS COMPANY!!! THE ENTIRE EXPERIENCE WAS MISERABLE!!!

Speaking from the seller's point of view, MLOA has dragged out this loan process way too long for the couple I am selling my house to. It has been almost 4 months they have been strung along and still no closing date. I do not know if the loan officer is too inexperienced or she takes too much time off from work but this loan is obviously not a priority for her or this company.

My loan officer, **, was on top of everything from the beginning. Easiest transaction I've ever had. Closed in three weeks, and I even got most of my money back from the escrow deposit (1st time my realtor had seen that). ** answered all questions and addressed things I hadn't thought of... Very professional, personable, and all around easy to work with. Highly recommend these folks!

I submitted a full contract with them on March 4th, 2010 and everything was good. Then two days before closing, they sandbagged me with a last minute change which forced me to lose a $8,000 homeowner tax credit last minute. They said my financier can no longer be on the settlement statement. She was the only one who qualified for the tax credit.