My experience with prime lending:…read more 1 they are completely unorganized. We have now done two deals with them In a 8 month period (shame on us for thinking the first time was a fluke), and they somehow have lost all the documents we sent them. Except they didn't lose all of them. Just some of them, but then it is found again. But you should still send it in anyway. 2 A week before closing will be hell; here's real facts of what we experienced. We signed lease for our place to a new renter, movers booked, house packed, we have to leave. Then we get an email saying an income source that was previously ok, is no longer ok and your income no longer qualifies you. Where do we go? What do we do? Do they care? Nope, they just say this is what you have to do to make it happen. 3 when you apply, everything is great and this will be easy! Unfortunately, that changes around two weeks before close. We were told everything was great and on track. Then all of sudden the deal can't move forward until we have a signed lease for our condo we live in currently. They give us TWO weeks to find a quality tenant and sign a lease. How is that reasonable or realistic? 4 you will be have anxiety every time you see their name on your phone or in your inbox. They only communicate bad news. When you see prime lending in your inbox, your heart will sink and butterflies will commence. They are about to change something on you. 5 they will not be honest until you're so far into the process you have no choice but to do what they want you to do. This ties back into #2. This is a predatory lending practice in my opinion. They Pre approve you and tell you everything is fine so you begin to prepare to move. You sell/rent your house, pack, change over utilities, put deposits down on movers, request off work. They know all this stuff is done when they then come in a week or two before close and change the terms and request new items from you. At this point you are literally stuck and can't do anything but bow down to their demands. 6 they will not work with a sense of urgency. As closing date approaches, they will continue to ask you for more and more items. When you need answers to those items, they will take days to respond with a true lack of tack around the urgency of the situation. We didn't know if we could close until the literal morning of close. The night before they said we were still in limbo. 7 they believe they are doing you a favor. They don't operate as if they work for you, they operate as though you are lucky if they even respond to your inquiries or answer your questions. Their actions display they don't care or believe they have customers, they are above all and you should bow down to them. This ties back into getting you so far along in the process that you are stuck and have nothing to do but bow down to their demands. 8 if you leave a honest review, Chad will call you and argue with you about it to get you to take it down. The conversation will last until you agree to take it down or hang up on him while talking.

We've gotten our last three mortgages with Chad, Dawn and the Trease Group and we'll probably do a…read morefourth. They're very efficient and professional! They can deal with anything which is probably due to their years of experience. I highly recommend Chad Trease and his team!

This company is very troubling. So many good reviews on LendingTree and Bankrate. It seems the loan…read morerep has everything to do with the customer experience. Sadly, this type of inconsistency is usually reflective of management issues. We started a refinance process. Our rep was Luke Baker. After receiving the initial email with checklist of items needed from us, we began to collect and submit the documents. The email also said we would receive an electronic signature link to start the process, it never came. We emailed, called, and messaged the rep over two days with only one reply to start the process but never to answer our questions. The email said we had 24 hours to complete the document submission process. We were concerned since we did not receive a response from Mr. Baker. Finally on Friday afternoon we tried sending text messages to Mr. Baker's cellphone. It took several minutes but he finally replied. He stated he was out of the office. This was to a message sent at 4:11pm CST. I asked if there was someone else that could help us. He said that there is "no one." That we had all week to do this and it was now Friday afternoon. I was extremely disappointed with this level of customer service. I decided that I would not do business with this company as the rep, Luke Baker, was so unprofessional. He wasted two business days and our time. Like Baker lost a client and gained negative reviews on multiple platforms for his company. His communication skills are terrible. Never returned my phone calls. Never answered my questions on email. His text message was rude and condescending. His final communication was that he was withdrawing our application as he felt we got off on the wrong foot. Great job at losing business for First Mortgage Solutions. We currently are reaching out to Mr. Ryan Wiebe, CEO to share this story.

WORST EXPERIENCE OF MY LIFE. DO NOT GO WITH THIS COMPANY. THEY WILL DECEIVE YOU INTO THINKING YOU…read moreARE GETTING A GOOD RATE AND THEN COMPLETELY SCAM YOU INTO ULTIMATELY PAYING MORE THAN ANY OTHER MORTGAGE COMPANY ONCE IT'S TOO LATE TO SWITCH. If I could give negative stars I would. My family lost $40k to this scam of a company. They started off super responsive and nice and kept saying everything is on track for closing. Then after 2 weeks I stopped receiving updates, got no responses to any of my emails and could not get a hold of anyone. I had to continue pestering them until I finally got a response where they said everything was on track for closing. THEN 2 days before closing they suddenly said that they could not close on time, lied to us about some missing tax documents that wouldn't come in on time and said we needed to change our loan type completely, pay $30k more for the down payment AND pay $15k in points in order to keep our rate that we had LOCKED IN. We had no other choice but to proceed in order to keep our house since the seller wasn't budging on moving the closing date. I ended up having to take out a loan from friends in order to pay for this loan, which was ridiculous. Then one day after closing, the lender called me back to "make amends" and said that they had ACTUALLY GOTTEN A WAIVER ON THE TAX TRANSCRIPT so we could've kept the original loan (??) but that the change to a different loan type (and decision to pay $40k more) was OUR DECISION? I've never seen something so infuriating in my life and I am so utterly regretful that I had picked this company for our mortgage. Not only were there countless nights of stress and insomnia due to this situation, we lost a lot of money that we were planning to spend on renovations and now I'm also have more debt I need to pay off from borrowing for the down payment. I've seen other reviews similar to mine about this company, so I'm almost positive most of their "positive" reviews are fake reviews that they bought off the internet. It's completely ridiculous.

Rick is a Rockstar! He navigated us through the home loan process in a timely and orderly manner…read more He never strung me along during the process and always made sure to keep me informed during each stage of the documentation submission process. It wasn't too stressful and Rick's precision helped move the loan along smoothly. The pre-approval happened within the first 2 weeks. The remainder of the documents were approved and signed off on within another 3 weeks. Overall, it took around 5 weeks to get to the closing table from the time I contacted Rick.

From the owner: At Metropolitan Mortgage Corporation, we specialize in helping families across Kansas City,…read moreOverland Park, and surrounding areas achieve their homeownership dreams. With more than 30 years of mortgage lending experience, we’re committed to providing same-day pre-approvals, personalized service, and tailored loan options to meet your unique financial goals. Our specialties include a wide range of home loan programs, such as Conventional loans, VA loans, FHA loans, USDA loans, Jumbo loans, and first-time homebuyer programs. Whether you're buying your first home, upgrading to a new property, or refinancing to lower your interest rate, we offer expert advice and customized solutions to help you through every step of the process. We pride ourselves on transparent communication and ensuring our clients are informed and confident at every milestone of the loan process. Serving Johnson County, Jackson County, and beyond, we know the local market and use that expertise to provide the best possible service for each client. With over $2 billion in home loans funded and more than 10,000 families served, we’ve earned a reputation as trusted Kansas City mortgage lenders who care about building lasting relationships. Looking for Overland Park mortgage lenders who deliver expert advice and competitive rates? Contact us today to start your journey toward homeownership!

Ryan has been an absolute joy to work with! Corey (his "right hand" is fabulous, as well!)…read more My realtor referred me to Ryan to help with the purchase of a FSBO. There were some complicated hoops to jump through considering a recent divorce and the property being part of a recently deceased person's estate... Ryan was always readily available - he guided me through each-and-every step of the process. The contract-to-closing time was quite short and limited... without hesitation, Ryan made it happen. Despite my abundance of ridiculous questions, he was always super fast to reply and never once made me feel anything less than his #1 client. Words cannot express how impressed I am with Ryan and Sierra Pacific Mortgage... each step of this was absolutely painless... I would go as far to say that this purchasing experience was "enjoyable", all thanks to Ryan and his team. In the future, Ryan and Corey will be my automatic "go-to" for any and all mortgage needs. Look no further... this team is the best that the mortgage world could ever offer!!!

Ryan is a dud, if not an outright crook. Not only did he stick us for a third of a point-$1200-…read morethat goes right into his pocket AND a bogus administration fee of $700, now we're getting a property tax bill from the county! The mortgage company is supposed to pay property taxes out of escrow, the $630 bucks a month extra added to our house payment to pay insurance and taxes when they're due. Don't trust this guy or the company he works for.

Dave Wexler with Golden Oak Lending was AMAZING. Super responsive and answered any and all of my…read morequestions fast and with grace. No matter how dumb I thought I was, Dave was right there explaining everything and MADE SURE I understood. That was so refreshing. Dave W. is A++++!

Pretty disappointed in the service I've received from Golden Oak. I've been getting the runaround…read morefor 3 months now. My rep disappears for weeks on end with 0 update or reply. I've been told we're signing on my refinance, then we're not signing on it, then we're signing on it over and over. I've paid my mortgage late twice now because I've been waiting on direction with very few emails or calls. All this time wasted so I guess I'll go shop around for someone who actually wants my business.

I was told throughout the loan process by Ryan Pichardo that "This loan is going to close" and that…read more"I was all set." I paid Mutual of Omaha directly for an appraisal in January. Despite Ryan's assurances TWO DAYS BEFORE CLOSING I was told I would not be able to close because the appraisal contracted by Mutual of Omaha did not meet their standards. Be aware, be very aware. I was left high and dry right before closing that I was not able to close. This is my 22nd home purchase and I have never, ever seen anything like this.

Did what they said they'd do. A bit of extra documentation required during the final days, but…read morenothing that wasn't easily handled. Everyone was kind to work with. This was our second mortgage through Mutual of Omaha and we came back because our situation was a bit more complicated this time. They made it easy.

My wife and I were looking for our first house. Our realtor recommended Steve Tremaine, and we now…read moreknow why. We just moved into our house this past weekend, and the whole process of getting a home loan from the pre-qualification to the day we closed was so smooth. Everything was explained really well, Steve was available to us for questions and expert advice, and we could upload documents into an easy to use web portal. I don't know a lot of mortgage brokers, but I feel like I got the best one there is. If you are considering him, let me tell you, you will not be disappointed with his work. He will work hard, and at the end of it you'll feel as though you gained a good friend. We can't thank him enough!

From the owner: Jumbo loans, first time buyers, Conventional loans, Fha loans, VA loans, renovation loans.... I…read morefocus on purchase mortgages, they are more challenging with closing deadlines and property inspections and renegotiations, but as my clients have need to refinance I gladly handle that too. The bulk of my business is in Kansas City but I also do quite a lot of loans all over the country as my clients have need with job changes and transfers. Equal Housing Lender The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal

I've bought and sold houses and refinanced them, several times in my life…read more We just completed getting our VA-loan-backed, manufactured "double-wide" home, here in Oregon, refinanced. Fortunately, we picked LeaderOne (their regional office in Eastern Washington state) to help us out. WHAT a professional group of people they turned out to be! We picked them initially because very few of the pitches previously mailed to us to refinance our home, actually DO work with manufactured homes (ours is on a private, deeded lot, not in a park). Leader One are clearly expert at working with both such homes and with VA loans. From their initial proposal letter to the very last steps of our refinance, every "i" was dotted, every "t" crossed, with EXCELLENT communications throughout and very high professionalism. They (and we) turned around every document in record time. Item: my husband had recently changed his long-despised first and middle names (via state court order). Some of his ID and financial material was still in his old name, some already changed over. The LeaderOne staff (again, Washington state), listened well and handled extra paperwork to do everything right. The whole process (in our case, in part because we know how to provide OUR paperwork correctly, too ) took just over five weeks. That is FAST. Our closing took place in our dining room with a terrific "mobile notary" picked by LeaderOne, on the day originally promised. The EFT of our additional cash back (due to two years of working on our home and thus earning a much higher appraisal than originally), came just a few days after the closing. And, shortly after THAT, we got a bundle of paperwork in the mail with all documents (including our revised home deed, and a long-missing copy of our home's HUD compliance certificate) 100-percent correctly filled out, INCLUDING my husband's new (changed) name on everything. Our situation provided many "opportunities" for screw-ups, but none whatsoever happened. Everyone we talked with there was cordial, helpful and often, even fun. Wow. So: a very smart company filled with industrious pros who know what they're doing. I can't recommend them highly enough. Thank you Jody, Randy et.al. for a job superbly (and very pleasantly) done.

After talking with several possible mortgage lenders, Kip with Leader One was the most calm, polite…read moreand helpful out of them all. There was one other who offered a slight lower interest rate however that person gave me the sense of a fast talking car salesman. Personally, I would gladly pay a bit more to work with someone I feel is more trustworthy. I'm so glad I went with Kip and Leader One. Kip took the time to answer all my questions and explain each part of the process in a way I could understand. I am very happy with the entire process and outcome of my mortgage. I will definitely seek out Kip for my next home purchase. Highly recommended.

Scott and his team were wonderful to work with! This was my husband and my first home purchase, and…read morehe was very helpful from start to finish. We always knew exactly where we were at in the loan process and any next steps we needed to take. We will definitely work with Scott and his team on future purchases and recommend him to family and friends!

I just completed my first time purchase process with Scott Somerville and Guaranteed Rate and am…read moredelighted by the experience. Scott and his team was excellent in communications and support through the process. I will be using Scott and the Guaranteed Rate team more in the future.