I was really disappointed in the underwriting process. They asked for the same document multiple…read moretimes, asked for information in dribbles- almost a new ask everyday with a comment, "we're almost there." The communication was cryptic at best, with vague emails requiring multiple follow-up...and forget anyone calling you back when asked. I am grateful for the opportunity to get a home loan, however, there are many other lenders out there. I suggest you choose one of them.

Worst Mortgage company I ever deal with, took my application and did not follow through with what…read morethey promised. Also, I had to call them to find out that my loan was not approve, and then they gave me some stupid excuse. don't deal with this fly by night company, the underwriting process is terrible they do nothing. If you call them, they will not answer the phone, once they get your information and application.

This bank is a joke! I put an offer on a home that had an Onity Mortgage. They told the sellers the…read moreloan was assumable for WEEKS. Then the assumption group said no it's not assumable and we lost WEEKS due to this being in the sellers counter offer. Do not trust anything they say they are all overseas call centers with a long delay on phone conversations and don't know what they're talking about!!!

This company is very unresponsive and the lack of customer service is terrible. We started a loan…read moreapplication for a refinance with more than 40% equity in the property and was strung out for over 6 months telling us they kept needing more docs and information which we kept providing. After 6 months we tried calling, emailing and could not get anyone to return our calls. Then we get notified by our insurance carrier that they need to change the mortgagee to Onity with a loan number so I called again to see if they closed the loan on the refinance. No one called us back for another 10 days and then we were told by Jacob Russell that our loan was not going to be approved. DO NOT WASTE YOUR TIME WITH THIS COMPANY!!!

I found Garden State Home Loans on Google after doing extensive research on different lenders. When…read moreI submitted an inquiry online to Garden State Loans, I was assigned to Susan. Susan was so friendly and helpful throughout our entire search, which took a few months! From the beginning, she was always writing updated preapproval letters for our offers and calling or emailing to check in on a weekly basis. We had an amazing experience with Susan and her teammate Paige! Both Susan and Paige made our process so easy and seamless! We had lots of questions and they both responded within minutes to anything we asked, which is unheard of! Our appraisal was able to be waived, which was a huge help for us since we had a $15,000 appraisal gap written into our contract. I appreciate everything that Susan and Paige did to help us throughout our home purchase and would highly recommend them to anyone looking to buy a home in South Jersey!

I would recommend Garden State Home Loan to anyone purchasing a home. Everyone was great to work…read morewith, extremely helpful and really care about getting you the best possible rate. I had a fantastic experience!

From our initial conversation to when we signed the papers, Bill and his team were always available…read moreand ready to help. Bill worked hard to handle every detail, while making sure we understood exactly what we were signing and what was included in our refinance. Having bought and refinanced several homes in the past, my only regret is that we didn't find Bill and his team sooner. Can't recommend them highly enough!

Bill's team came in the 3rd quarter of the deal when the previous lender was unable to close and…read morecomplete underwriting in an adequate time frame. He was transparent about what he needed up front, and was available after hours which is almost a requirement in the DC market. He got it done. Bill's team was well prepared, communicative when requested, and walked me through my first home purchase without hesitation. I would recommend Bill to any and everyone, especially if you are in a fast paced market such as DC.

We used Oak Mortgage, Robert Kelley to be specific, when we bought our new place... Getting…read moremortgage is never easy or stress free, but Robert made sure that the entire process was as smooth as possible. Moreover (and I don't know HOW he did it) but from the day we got in touch with him it took Robert less than three weeks to complete the entire process!!! If you are looking for a mortgage and want a very accommodating, understanding, easy going and most of all very good mortgage agent, call Robert.

in the last week…read more Took a mortgage on my first home through oak. I worked with Chris Murray. It was a fast streamlined process with excellent commuication. Oak made the process much easier than i anticpated

Best experience ever!! These guys are awesome. Joel and Alicia are on top of their game and really…read moreknow their stuff! They spent a lot of time explaining the different steps and truly cared about a successful outcome. I found Ultra Mortgage from my real estate agent and they made the entire process painless. Never rushed me off the phone and thoroughly explained every step -- which if very important if you're a new buyer or don't work in the real estate industry. There is a lot of behind the scenes work that happens with a home purchase and I want Joel and Alicia to know how much I appreciate all their help. I strongly recommend Ultra Mortgage. Definitely give these guys a shot to earn your business!!!

From the owner: Ultra Mortgage is a mortgage banker offering the very best rates and pricing in the industry with…read morethe most integrity and knowledge and special attention from education of the options to application and through and beyond closing.

They locked in a great rate for us, however they dropped the ball…read more.. Jason is friendly enough and full of confidence but someone within this office dropped the ball missing a form for us to fill out. When the USDA was reviewing our packet they pointed it out and we received an email from Atlantic Pacific with it. IT WAS DATED FOR 7/2/14, we received it on 7/22/14 @ 6pm, our closing was scheduled for 7/25/14. Needless to say we missed our closing date and were forced to push it out in hope that the sellers still wanted to sell to us. The only reason we went with them was because our Realtor recommended him because he was "detail oriented". If that were true this wouldn't have happened.

They are horrible. The agent told me that i was approved and set for closing. He then stopped…read morereturning my emails and calls. I was forced to acquire other means for closing on the house rather than being in default of the agreement. Up to the date of the closing, he never called to talk with me about it. The company never even called to apologize. So now, a year later, their comapny was listed as accrual for the insurance company. (as it was the case at closing that they we listed as the mortgage company despite that they didn't show. Liberty mutual sent multiple letters to them, and then finally to me, so that i knew there was a balance. But you would think that after all that, the company would have forwarded me the mail, or told Liberty that i am not their client. RUNNNNNN from this company.

Unfortunately, due to the rising costs of gas and groceries, we pay our mortgage towards the very…read moreend of the month it is due. I had called to talk to them regarding my payment, and was told because the last day of the month was On A Sunday that I had until 1059 Eastern time the next business day to make the payment, well that wasn't true and now our fico score took 120 point nose dive . When speaking with them after seeing this, the woman on the phone proceeded to tell me that our payment was 32 days late. Which I don't agree with, but doesn't matter. They don't care, like a lot of big corporations, knowing that Americans are struggling they don't care. By the way, this isn't the only negative experience I've had with this company. I wished our mortgage hadn't been sold to them.

FM acquired my loan from Wells Fargo, where I previously had no escrow issues…read more After the transfer, I noticed that fm failed to include escrow, and claimed that they could not locate my taxing authority. (The two lenders before them had no issues) I made several phone attempts to resolve the escrow situation. Each call ended the same, "we will conduct an escrow analysis and contact you" (never happened) Sensing that something wasn't right, I began saving on my own, glad I did, because when the next property tax due date came, fm sent notice that they paid my property taxes and I was more than $10.000 delinquent. FM estimated that my mortgage payment would increase by $900 to cover shortage. FM seemed disappointed when I informed that I had the money to cover the taxes. However, fm still increased my payment by $400 citing property tax and insurance increase. (I disputed to no avail). The issue with fm caused me stress and sleepless nights and rather than be at their mercy, I used a portion of my children's college savings to pay off my balance and have slept peacefully every since. It is my believe that fm intentionally manipulated my escrow to get more money out of me. I would recommend avoiding this company and their unethical practices.

I had a good experience with a moderately-complicated re-fi…read more Brian Devlin made it pretty much painless, and I was able to do almost everything online (highly desirable for me) up to the closing. Dealing with something as important as a mortgage with an out-of-state agency can be scary, so I thought I'd share my positive experience.

At first I thought that I found my best option when going into a cash out refy. Unfortunately that…read morewas not the case. I made it very clear what kind of loan I was looking into, and when the estimate came it was nowhere close to what was talked about. Also closing costs were almost 15k which was absurd for the loan amount. Was told that I would have to pay out of pocket fir an appraisal as well when everyone else can roll an appraisal into the closing costs. Would never recommend to anyone. So unless you enjoy being lied to and toyed with avoid at all costs when speaking with the owner regarding this gross error, i was told i was throwing a tantrum. not professional at all. stay away

Can't say enough about Ron. I got a great product, and Ron was helpful and available. He made a…read morestressful process less so.

Ron is great contacting you several times on the phone until he fills out his mortgage application…read more From that point on, he just does not care that much. Promises that he can not keep. And lies. I would count on somebody else, there are so many out there .