Hello everyone this is an updated review my mortage was sold to this company in November of 2024 I…read moream happy to tell you by BOA selling my mortgage to this company was a BLESSING for me at first no lie I was skeptical since I had never heard of them before went on the computer did research and I wasn't liking what I was reading. So I said to my self okay well I will have to give them the benefit of doubt so glad I did at first I had a difficult time getting someone on the phone so I tried the chat and was connected to a person right away and so glad I did that way I was able to keep the chat for my records. Through the the email but the GOOD NEWS is I had them for eight months I didn't have any issues at ALL I came up with a plan to pay the mortage off faster by adding more to the principle every month because I calculated the interest rate and I was paying more in interest than what was going on my mortgage. I understand that they have to make a profit but seriously they were hardly putting anything on the principle if I had kept doing it the way they had it I would of DOUBLE what I bought the house for I said to myself OH no instead of paying them all of that interest I can pay myself that. So I paid the mortage off SEVENTEEN YEAR'S and FOUR MONTH'S early so now that$150.000.00 that they would of collected from me stays in my pocket. I paid it off on the 17th of July I received my DEED on the 8th of August thats less than a month HALLELUJAH!! I received my escrow check on the 10th of August so now it's a done deal . But I made sure I kept a print out of all transactions for my own personal records. So thank you Shellpoint for an easy and GRATEFUL transition.

My mother's mortgage was originally with Wells Fargo. She refinanced approximately 10 years ago…read more During COVID, she entered into a Wells Fargo forbearance because her side income dropped significantly. That forbearance ended in a formal Wells Fargo loan modification, and she stayed current under that modified loan. In 2024, she entered into another Wells Fargo forbearance so she could manage cash flow while taking care of timely and necessary home maintenance. That forbearance began July 1, 2024 and was scheduled to end December 31, 2024, with the expectation that payments would resume in January 2025 or that another modification would be completed. In September 2024, Wells Fargo transferred the loan to Shellpoint. Shellpoint said it received the transfer paperwork, but claimed it did not receive the Wells Fargo forbearance documentation. Because of that, Shellpoint demanded full payment of the amount it believed was past due. We explained that the loan had been in an approved Wells Fargo forbearance and that payments were expected to resume in January 2025. Shellpoint then said it would work on a loan modification. My mother resumed making her regular mortgage payments in January 2025 while Shellpoint processed the modification. In spring 2025, Shellpoint offered a modification that appeared acceptable and we were ready to proceed. Shellpoint then canceled it because the property was held in a trust, which they had not properly addressed. They had not asked us to clarify the trust issue before preparing that modification. After more calls, Shellpoint restarted the modification process to correct the trust/title issue. During the second modification process, Shellpoint converted the loan into an escrowed loan. We agreed to that. In October 2025, Shellpoint placed the loan into the escrow structure and my mother began paying the increased mortgage payment. The modification agreement states that Shellpoint is responsible for paying both homeowners insurance and property taxes through escrow. Since then, Shellpoint has repeatedly mishandled the escrow account. Homeowners insurance was due in December 2025. In February 2026, we received notice that Shellpoint had not paid it. When we contacted Shellpoint, one department said the loan was not escrowed. Another department said it was escrowed, but only for property taxes. We explained that the modification agreement required Shellpoint to pay both insurance and taxes. About a week later, Shellpoint corrected the issue and paid the insurance. At the end of April 2026, we received another notice stating that the property taxes had not been paid. We contacted Shellpoint again. The escrow department said the loan was not an escrow account. Customer service also initially said it was not an escrow account. We then had to request an investigation and ask Shellpoint to review the actual modification agreement. Shellpoint eventually confirmed that the agreement does require escrow handling, but they have not yet explained why the escrow department does not recognize the loan as escrowed or why Shellpoint stopped collecting the property-tax portion in December 2025 after performing an escrow analysis and lowering the payment. Shellpoint is currently investigating the escrow setup so this can be corrected going forward. Separately, Shellpoint's credit reporting appears inaccurate. Although my mother resumed payments in January 2025, Shellpoint did not report those payment months. August 2025 was the first month in 2025 that Shellpoint reported to the credit bureaus, and they reported the loan as more than 150 days late with a past-due amount. We dispute that reporting because the loan had been in an approved Wells Fargo forbearance through December 2024, and my mother had been making payments since January 2025 while Shellpoint processed the modification.

We had the pleasure working with the Staff at Upstate Mortgage to seal the deal in our forever…read morehome. JB (broker extraordinaire) ) and Pepper (paperwork closer GURU) made it happen in 30 days! Being self employed you must understand that SE people go through the rigor of explaining every aspect of their lives financially, personally and it takes a tole but these two made our home buying experience bearable. Continuously staying in contact and providing updates along the way. They work well together as a well oiled machine and work for their clients interests. Late night emails, early morning phone calls and reassurance that everything's ok gave us the confidence that we had the right team working with our lender. Closing was on time and no surprises. We made the right decision entrusting this process to Upstate Mortgage. If unsure as to whom to partner with in buying your new home I highly recommend this tag team.

From the owner: Upstate Mortgage is committed to helping you find the right mortgage product for your needs. We…read moreunderstand that every borrower is different, and we offer a variety of products to meet your individual needs. We make the process of securing a home mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

I really can't say enough good things about Rhonda Gaffney. She is knowledgeable, approachable,…read moreendlessly patient and not only that made time for me, including mornings going to my work, evening and weekends during this process. She answered my questions and explained everything with details. I highly recommend Rhonda!!! working with her exceeded any of my expectations. I was not familiar with the terminology but she was there very friendly and again took time to sit down with me very helpful in explaining the entire process. Her help is greatly appreciated.

From the owner: In house lender for Ryan Homesread more

Hunting for mortgages is extremely daunting, but I'm so glad I found Jim! I found First Nations…read moreHome Mortgage on my employee portal, so I figure why not give Jim a call?* From the first phone call, Jim put all my worries at ease. He was extremely detailed and knowledgable about all aspects of the mortgage process. He shopped around for my best options and was very fast and efficient. He was always available to answer my questions, send me updates and meet for paperwork. Even after my closing, Jim has been available to answer any questions I have. Everyone warned me that buying a house (especially my first one) would be super stressful and overwhelming, but I can honestly say it was one of the best and easiest experiences I've had, thanks to Jim! He is amazingly helpful and I love my new house! *I work for a company owned by Michelin, and I received some discounts for using First Nations Home Mortgage. Regardless of this, I would recommend Jim Taylor over anyone!

We had a wonderful experience with First Nations! James Taylor was so incredibly helpful explaining…read moreevery step of the process, and he went above and beyond to ensure we got the best rate we could. He spent days running numbers for us to make sure we were getting the best scores and rates possible. We have worked with other lenders in the past, but our experience doesn't even compare. We will definitely use Jim in the future for any mortgage needs. Thank you again for everything!!

My husband and I was new with buying our first home . Mr. Luthi helped us to get into our first…read morehome where we lived for many many years. I can not thank Mr. Luthi and his staff for the best home buying experience there is. We loved our first home, the community, the schools and the people in our neighborhood. My kids grow up in this home with wonderful memories for the rest of their life. Thank you Mr. Luthi for the help my family needed at a time that no one else was willing to help. Sandra Pollin -

They are awful people. I didnt know how bad they were until talking to other people around…read moreGreenville. I had holes in the baseboards,mold on top of ceiling, mildewed carpet and cracks in windows. They are slumlords

Becky Coley is the rudest lender I have ever had to deal. Anytime I asked her a question she would…read moretake forever to respond and once she did finally respond she made it seem like I was inconveniencing her. I backed out and went with a different lender. I would never suggest her to anyone

From the owner: I’m Becky Coley, and I’ve been a mortgage consultant since 1991. I began in the business as a…read moreRealtor, which affords me a unique perspective and the ability to see all sides of the transaction. I truly care about my clients and show this by being responsive and communicative throughout the entire process to ensure that clients know the status of their loan at all times. I look forward to being an asset to you before, during and after your home buying experience. I work hard for my clients. I even enjoy the difficult or challenging files, as they give me an opportunity to put my extensive background to work for clients in a way that best fits their needs. Much of my business has been built on the family and friends of my satisfied customers over the years. I began my career in the real estate industry in 1985, and within six years, I had migrated over to mortgage origination. I received Rookie of the Year my first year in the mortgage business, and I’ve remained a top producer since then, winning several more awards throughout my years in the industry. I found my niche in the mortgage industry. I love working with numbers and meeting buyers and Realtors in my community. My background as a Realtor enables me to understand the perspectives of the buyer, seller and Realtor, helping me deliver what they want when they want it.

Being a first time home buyer, I had no idea what was involved in purchasing a home. I was referred…read moreto Myers Capital by a family member who had a great experience with them. Amy and Kelley went over what I needed to get approval for the funds needed to purchase my home. They gave me an estimate based on what I could afford, and were willing to answer any questions I had. They kept me on schedule to make sure I had everything in place by closing. Amy and Kelley also explained the details of my loan in ways that I could understand, and made sure that I knew what everything meant during each step of the process. It was a great experience.