I can't really tell if they are dishonest or idiots. I haven't had this mortgage for one year yet…read moreand this is the second time they have added additional insurance without confirmation. They sent me a letter stating my flood insurance wasn't enough. Not for me, the letter does clearly state this insurance is for them only. No details. No amounts. Nothing. These warning letters state they will auto-add if they do not hear from you or receive notice that you added mystery insurance. I called to get details. How am I supposed to ask for quotes when I have no information on what I need to add? The person I spoke with explained that they lie and have stated they called me (did not. I have never rec'd any calls from them since signing) and would get back to me. Today I receive my additional insurance policy information in the mail. At least I know have data to get quotes. And will be reporting them to the BBB for potential fraud. Find someone else for your mortgage.

I had a horrible experience working with RMS, Residential Mortgage Services. After closing on my…read morewaterfront property in March, they immediately sold my mortgage to another bank. While that happens often in the mortgage world, RMS made so many mistakes in the process that caused me months of unnecessary added costs and stress. Toni Rubino, and later Joanna Bailey, mistakingly pulled the wrong Flood Certificate at my closing, passed along the wrong certificate and the wrong address to the other bank. This caused my property to go into 6 months of forced flood insurance penalty until my lawyer and a new LOMA from FEMA could fix the situation. RMS offered no help. They made a mistake and I was left with the headache and extra costs. Do yourself a favor and don't work with them. They mess up the paperwork and pass the problem along.

They're sociopaths. We were introduced to Guaranteed Rate through our real estate agent at the time…read morebecause they share an office space. We were interested in getting pre-qualified for an offer we were about to put in on a house. Red flag #1 was our call with them to get pre-qualified. We told them the amount we were prepared to offer, and we were peppered with "Are you sure?? We could qualify you for WAY more!!" Folks, this is how foreclosures happen. When you decide on a price range that fits your financial situation you absolutely should not be talked into a higher range by a complete stranger, especially not one with a financial interest in driving up your mortgage amount. And your mortgage lender absolutely should not be trying to goad you into a higher offer amount. They tell you this in any first time homebuyers class. We did not put in any more home offers with that realtor, and we had no reason to contact Guaranteed Rate. That didn't stop the DAILY barrage of texts, emails, and mail from Shant and Guaranteed Rate. Nothing has stopped them from constantly pestering us with the exact same content like we're somehow going to finally come around on the 10,000th "Hey just checking in..." Don't take my word for it. Google it. Take a homebuyer's class. Ask anyone in the real estate business without an immediate financial interest in getting you to buy a mortgage. They'll all tell you that this kind of predatory behavior is the textbook example of what to avoid when considering a mortgage lender.

Avoid! Avoid! Avoid!…read more This was mortgage refinance nightmare. If I could give zero stars I would. It started with typos on my appraisal. Followed by by failure to returns calls/emails in a timely manner. No biggee, I'll just deal with your boss rather than you. I closed in November (or so I thought). Got called back in Dec telling me that they made an error and I had to go back to the lawyer, sign again and bring more $$$. At that point I called the corporate office in Chicago and lodged an official complaint. I thought we had straightened things out, although I had to go back and resign and bring the $$. I was told there would be no further issues. Lets face it, Guaranteed Rate had me over a barrel-they had closed out my prior mortgage and owned me. Fast forward 3 weeks. My mortgage broker and his boss are not returning any of my emails. The settlement check still hadn't been cashed despite confirming delivery. When I called the branch manager, I was told it was up to me to find out what happened and was given a number to another department in the Chicago office. WHAT??? So now it's on me to do YOUR job. Numerous phone calls and emails later, they finally located my second settlement check and cashed it. It still took days to get the loan transferred to the correct entity. I'll believe it's finally through when I see the welcome package. The best (of the worst) part....I made enough phone calls and eventually was able to speak to the VP of Client Relations. He apologized for the series of errors and told me that he would now personally follow my mortgage until it was finally transferred. I told him I wanted and expected close attention and he agreed. Yesterday, I got an email from him telling me things were almost finalized. He then proceeded to-not once, but twice-tell me to enjoy my NEW home. Here's the kicker, this was a mortgage REFINANCE! The subject line of the email was "my mortgage refinance". Nice work, Mr. VP. Glad to know sloppiness starts at the top and trickles down.

Was a 5, until they sold my loan. Mortgage Network was wonderful and made everything smooth and…read moreeasy. The closing was a breeze. But now this. They sold it to a 1 star, shady loan servicer with terrifyingly horrible reviews, no accreditation at all, not even the Better Business Bureau. I had no idea this was even possible, and now I am stuck with a loan through a company that will likely harass me, mess up my escrow and mess up my payments. I would go to a bank directly next time. This has really disturbed me.

Deborah Lynn Bodnar was AWESOME. I frequently have heard horror stories about the home buying…read moreprocess, BUT Deb made everything so easy for us. Zero stress. We went into this process as first time home buyers and didn't really know what to expect. Deb walked us through everything and answered any and all questions we had extremely fast - not once did we feel nervous or confused. She asked for the necessary paperwork and did the rest. She honestly made us feel like VIPs. Everything was done quickly and accurately which ultimately led us to the home of our dreams. I cannot say enough good things about Deb, and I will be recommending her to anyone I know that is looking to buy a house.

I did not have a pleasant ending to my experience with Mike Crisanty and Rate…read more I was attempting to refinance my mortgage from 7.2 percent to 5.8, which was the going rate in mid February of this year. Mike offered me an even better rate, which seemed too good to be true. After going through all of the paperwork and locking in the rate, I was alerted that the underwriters had calculated my salary incorrectly, and I was no longer eligible for a program that Mike was using to get me that rate, unbeknownst to me. I assumed it was just the rate they were offering at the time. The issue is, by the time they realized I didn't qualify, the market had changed and rates jumped way back up. This left me with nothing but a huge bill for an appraisal that was no longer needed. The real gut punch though was that if they did not try to fit me into this program based on their incorrect math, I could have locked in a slightly higher rate than what Mike offered, that would have changed my life because of the monthly savings. But I was not afforded that opportunity because of the careless work by the Rate team. To say I am disappointed is an understatement. I am a public school teacher. Rate is a multi-billion dollar company. Why should I pay for their mistake? I believe they should make this right and pay the points themselves in order to give me the agreed upon rate. It's nothing to them, and everything to me. I am already going to be paying them hundreds of thousands of dollars in interest. How greedy can one corporation really be? MAKE THIS RIGHT RATE.

Terrible experience. We were working with Sebastian Cordoba license # 1485371, the Vice President…read moreat Waltham, MA branch totally screwed up our closing. 3 months into the closing and we had to back out with at least 10k in damages. Filing a small court claim this week. In addition, he totally was ignoring my attorney's emails and were not providing almost any extensions. Everyone was shocked with such unprofessionalism. If someone at headquarter can reach out to me to discuss the situation i would appreciate it. I don't want this loan officer to keep screwing up other people's and impacting their financial stability.

Worst mortgage experience EVER!! Buyer beware…read more.. They will give any Tom, Dick and Harry a mortgage license... Jon, Anthony and Greg's lack of mortgage rules/laws is astonishing. This branch is the definition of tell you what you want to hear to get your business! After receiving written pre-approval, approval, mortgage commitment, and a emailed copy of the final CD... We were told 48 hrs prior to closing that we couldn't close and had to completely restructure our mortgage from a jumbo to a conventional loan (making us go from 20% out of pocket to 40%). There reason was because they interpreted a law/rule for a self employed vs W2 employee one way and redwood trust (jumbo loan backer) said that is not how the rule is interpreted and denied the loan. How this came up at the 11th hour blows my mind, this was discussed on day one prior to even filling out an application because it was a concern but we were assured this wasn't going to be an issue. I'm sure they will spin this but I have all this in writing as well as backup. So in order to not be homeless with a wife, and two kids under 3 we did what we had to do to not lose the house. When speaking with Jon branch manger who by the way never reached out to me, I had to go online and find his phone number and call Myself, I was told: this is the first I'm hearing about this now and will do some research while at the same time he told me they have 100 mortgages going at once so he doesn't know everyone of the top of his head...That to me says: your just a number and we don't care. Considering this is a HUGE F*** up on they side. During a pandemic and finical uncertain time to have to generate this amount of money is extremely unsettling. If I were you I would pull my mortgage application and go in a different direction, just a matter of time before they do this again and completely ruin someone's life. Legal action is being taken.

I had a great experience with this Morgage company. Jonathan Swartz kept in contact with me through…read morethe hole process. He was a teacher and made us understand the process for our first home. When I couldn't contact him on the phone I would receive a text a few minutes later saying, He would call back ASAP or something to that extent. Which he did so. He helped us make a difficult process flow smoothly with a amazing house in Lynnfield. I highly recommend this company and obviously Jonathan too. Thank you for everything!

great company, great service fast closing, would definitely go to them again for servicesread more

Worst mortgage broker I've ever seen. Not able to quote a rate for weeks, not revealing lender…read morename and not able to provide GFE until the day before closing. No response to our calls until two days later. Forced us to join some credit union while plenty of commercial banks provide the same loan terms. Sky high fees while other brokers offer no cost closing... Difficulties every step of the way during the loan application process. I'm so happy to refinance now and get rid of the crappy lender Drew mortgage got us. We are definitely NOT considering using Drew again!!!

Terrible experience with this company. Totally unprofessional and disorganized…read more First problem: we didn't find out until a few days before our finance contingency was set to expire that that the appraisal had never happened. According to Guaranteed Rate, the sellers had refused the appraiser entry to the property. A note that we only found this out because we reached out to them and not the other way around. We later found out from the sellers directly that they had never been contacted by an appraiser (we suspect GR dropped the ball and never scheduled an appraiser). Second problem: they lost our documents multiple times: we were, at one point, asked to resubmit some documents for the 4th time. Third problem: they failed to follow up on questions we had multiple times. At one point, a closing cost that was supposed to be taken care of by the seller was assigned to us. When we questioned, we didn't get an answer until over 24 hours later, which, in turn, resulted in a pushing back of our closing date. They also, wrongly, tried to push us into signing the inaccurate document, claiming that it could be "fixed" at closing. Fourth problem: Because of all of the above, we came very close to being fined by the sellers for delaying closing multiple times. Fifth problem: Despite very clearly telling them to leave me alone, they keep contacting me, trying to get me to refinance with them. After our experience in buying a home, we will never do business with them again.

Andrew and Team provided fantastic service - they were reliable, responsive, and got me a great…read morerate on my mortgage.

David Boisvert was terrific in helping us with our mortgage on a new home this past month! He and…read morehis team were incredibly polite, patient, and efficient. They were able to get the mortgage approved and completed in under 30 days, which is very fast for a mortgage. Dave was always fast to respond to my questions, and was a pleasure to work with throughout the process. I will definitely be using Dave and Salem Five for my next mortgage, and would highly recommend you do as well!

I completed a mortage application with them and provided all necessary documentation that was…read morerequested. Never heard back from them. They ran a hard credit score and didnt ask me. I got tired of waiting and got my mortage some place else. Horrible service. Go some where else. I did and am very happy about it.