We started looking for a mortagage lender that will offer us the best LOW unbeatable interest rate,…read moreLOW APR and fees and will close our loan LESS than 30 days! Sounds impossible? House buying was indeed stressful and mind blowing! But Mr. Gregg Harris and Lender City was truly Heaven's answer for us! He and his team surely did excellent and exceptional service making sure that his clients are well satisfied. They really exceeded our expectations and we were so grateful to God that we choose Lender City. We started Signing contract July 20, 2018 with the builder and from then on started shopping for mortgage lenders around. We found Lender city in BankRate.com. We ended up with 2 choices Crestmark Mortgage formerly Cornerstone(builders choice) and Lender City. We compared them head to head. Lender City vs. Competition Crestmark gave us 4.75% interest rate with 4.6 APR, they do have extra $5000 incentive BUT they charge with a "TON" of fees, hey you can't barely feel the discount! Customer service was poor. I remember contacting them numerous times but they are not that responsive. They will reply the next day or you try make follow up with them yourself. The loan officer told us they couldn't offer lower rate but only if we BUY points. That means thousand of dollars charge. No thank you. On the other hand, with Lender City contacted Gregg Harris, he answered all both my mature and silly questions (we are FIRST homebuyers we don't know a lot of mortagage stuff). He was very patient and took time to explain to us. He was not pushy and rushing us in anyway. Their FEES was reasonable and very short than Crestmark. Even without discount or incentive they still are unbeatable. Gregg offered us 4.375% (without buying extra points) that was lower than the prevailing rate that point in time. APR was even lower 4.4% compared to Crestmark. Happy and satisfied we got what we need. Loan Process With less than 30 days in closing. The entire process was smooth and very good. Here's the climax at closing, the Title Company the one that allocates for Taxes in our loan didn't give us the credit that was supposedly for us. That means we will be spending more than $3000 out of pocket at closing more than we expected. But Gregg, was amazing, he was an advocate for us. He fought for us did everything he can do with the Title Comapny so they can made that revision of the Final Loan disclosure making it $5000 LESS from our total cash to close! This incredible true to life story I really wanted share especially who are prospective homebuyers soon so they will know that Lender City and our friend Gregg Harris made a wonderful experience in getting the house we wanted. I can't thank you enough Gregg! To all my Filipino-American Friends reading this review let me say in tagalog: "Dito na kayo sa Lender City siguardo mabilis, maasahan at mababa ang makukuha nyo na interest rate vs sa ibang mga nagpapautang. Kami ay nagpasalamat sa Panginoon na binigay Nya sa amin si Gregg Harris at ang Lender City, lahat ng dasal namin ay sinagot at nakuha namin yung kailangan namin para makuha ang bahay na gusto namin. :-)"

From the owner: LenderCity is Home Loans Simplified. OUr quick and easy application process combined with low…read morerates and fees makes us a nationally ranked lender.

I dealt with Mark Denny in trying to secure a 203k mortgage…read more I worked pretty quickly to get him all the information he required (I was unaware at the onset that he would need me to dig through storage to find tax returns despite not being self-employed). Five days after sending him the final document he requested, nothing. No response. No "I have received your information". Nothing. I had to contact him after five days for him to tell me he couldn't find a way to make the loan work because of my DTI, which is fine. My problem isn't the fact that my initial application wasn't able to be approved, but the fact that I was left in the dark FOR FIVE DAYS about the fact that I could not qualify. I could have quickly moved some money around and remedied my DTI, but instead, I lost five days that could have been better spent working toward securing a loan and buying a property. Even if that would have taken too long to reflect on my credit report, I had another investor I could have put on the application to even things out. Furthermore, when I explained to him the necessity for good communication and speed when it comes to buying property, he responded with a smug "I'm guessing you cannot resolve your DTI problem". He refused to acknowledge his lack of communication and then tried to blame what he thought was my lack of ability to reallocate funds for his lack of professionalism. He even goes on to give me marriage advice and explain that I should get back with my ex-wife. Communication, speed, and professionalism are key to any good working relationship with your real estate team. Mark Denny has none of these qualities. I don't know about the rest of Cornerstone Mortgage's loan officers, but the fact that they keep this guy on their team tells me enough about the company. I'll be securing my loan through another broker. If anyone at this business would like a copy of all the emails and interactions with Mark Denny, I would be glad to provide them. Mark has my information. He knows who I am.

Their preferred mortgage company, Guild Mortgage, is absolutely HORRIBLE to do business with. They…read morerefuse to speak to me or answer my emails. However, they have no issue taking my money every month. I am planning on buying a new house this year, but will NOT be going through Cornerstone again (Jack Buck, Jr.) to save myself the grief of dealing with this lousy Guild Mortgage Company. STAY FAR AWAY FROM DOING BUSINESS WITH THESE FOLKS! There are plenty of other lenders out there that respect their customers and will actually speak to them when they have questions or need assistance.

Loan Officer, David Gordon, is Amazing! He went above and beyond our expectations to get a home…read moreloan for me and my family. He was with us every step of the way, day and night, ready to answer any questions or concerns we had. I highly recommend going to David Gordon for your home loan.

From the owner: Our Mortgage Services We make home finance easy…read more Our home loan specialists make sure to understand your financial goals before making recommendations. By creating each plan with your specific goals in mind, we promise you'll get the best mortgage services and the best home loan option. Whether you're purchasing your first home or refinancing to lower your payments or shorten your term, we'll help you find the perfect home loan solution. Your bank can't compete with us. Personalized service and industry-leading closing times create an absolutely unbeatable combination. You'll be able to speak to someone at Midwest Equity Mortgage directly when you have a question. You'll never have to wait a week for a return phone call like you would with other mortgage lenders. No upfront expenses. Before the mortgage application process begins, we provide a free mortgage consultation to discuss your home loan needs. Unlike most mortgage lenders, there will be no upfront appraisal cost or lender fees when you work with Midwest Equity Mortgage.

I unfortunately have both my mortgage and car loan with this company. I have found their practices…read moreunethical and appalling!! They make a point to take advantage of those and charge erroneous fees to those that can least afford it!

I called several places trying to apply for a USDA home loan and because I am low income the door…read moregot slammed in my face everywhere I went. Until I called Wells Fargo and got a hold of Zachary Post. Most places refused to even give me a ballpark loan amount or give me any information without running my credit. Zachary spent over an hour on the phone with me trying everything he could think of to try and find some options I was comfortable with. Some issued came up regarding my credit, and he was even able to give me some amazing tips on how to work it out. Everything finally got settled and he got me approved for a loan! This process has taken almost 4 months, and we are still looking at 3 months to go. Zachary has been there every step of the way and has answered endless amounts of questions and calmed many a near nervous break down on my end. If Wells Fargo continues to employ such high quality individuals as Zachary they will be in business forever I'm sure because he is amazing. I highly recommend giving them a call for your home loan needs.