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    Rick Carrier - Innovative Mortgage

    5.0 (4 reviews)
    Closed 9:00 am - 6:00 pm

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    Services - Rick Carrier - Innovative Mortgage

    Home purchase

    Mortgage refinancing

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    7 years ago

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    8 years ago

    Very nice and easy going guy. He helped me got my first home. He takes his time to explain the loan process. Keep Up The Good Work!!!!

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    8 years ago

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    Ask the Community - Rick Carrier - Innovative Mortgage

    Chase Bank - Chase Customer Service can help with your account and servicing needs. chase.com/digital/resources/customer-service

    Chase Bank

    (2 reviews)

    2/7/21 This review is for Michael Moh for the home loan…read moreprocess. This negative review was due to Michael's lack or effort to explain the closing cost details to me and the discount point changed 3 times: 1st loan pre-approved letter on 12/31/20 listed -.25, 2ndchange was on edoc paperwork on 2/1/21 that show discount point .365 and the 3rdchange was when I review the document on-line on 2/3/21 and the discount point was .44. Furthermore, the closing cost on pre-approval letter is not the same after one month. The overall amount for closing cost in the 2/3/21documents are higher. On 2/2/21I made several attempts to call Michael and talk to him to understand further about the changes. When I asked him about the discount points amount, he told me that is what it is. When I asked him to see what can be done to lower the monthly payment, he made no effort to help in this matter. His explanation was, that is what it is. To add on to this negative review, I was scold by Michael Moh's manager when I called at 7a.m.on 2/2/21. I was driving to work and called Michael office # with the attempt to find out about the paperwork status. I called the 1st time and waited for a while and did not get someone one the line. The 2nd attempt, I heard someone on the phone. I asked for Michael, but the person asked me, "do you know what time it is?" My respond was: "what? Ah, it is 7am. .. .The next question from him was, "do you know what time the bank opens?". Then he lectured me about I woke him up and that the bank is not opened yet. He said he is the bank manager. Yes, he is the bank manager lecturing a client who is trying to check on the home loan application process. Negative points: 1) Michael Moh failed to explain the details of the closing cost (he did not give me any explanation about the price change--but simply say that is what it is. He did not explain how the discount point changed 3 times. The treatment was with the attitude that I am stuck and have to settle with whatever price they gave me since I already signed my home purchase contract and it has been executed on 2/1/21. 2) I am the client who is giving my business to Chase bank and in the process of this, I got lectured by the bank manager? This is a combination of poor service from Michael Moh and his boss. 3) Price change from pre-approval estimate, then change on edoc signing on 2/1/21 and changed again on 2/3/21 makes the whole situation untrustworthy. I have all the printouts to compare the numbers. If I failed to print the hard copy, I would not be certain since all the information is through the chase application. For those of you who are NEW in the home purchase process, I have the below suggestions for you: 1) Pick a realtor that someone used and referral to you. Negotion with realtor for a rebate to help you with closing cost. Discuss all the things the realtor is going to do for you (in lengthy details so that you know what to expect). Make option in your contract to let you terminate the contract if things turned SOUR. 2) Get pre-approval letters and closing estimate cost for your loan. Get at least 3 so that you are not stuck when the time comes for you to choose. Get a mixture of pre-approval from bank and mortgage companies. (within 30 days period, it they run your credit report 1 time or 10 times, it will be counted as one time -I was told). If all the loans are the same percentage, you need to look at the different CLOSING COST. 3) Plan ahead and look for pricing estimate for home inspection and termite inspections. Remember, you need to get your inspections done at the beginning of your OPTION PEIOD so that you have time to negotiate.

    The service good be better only one teller in front. Always pleasant staff, newer faculty is nice…read moreas well usually not crowded

    Rick Carrier - Innovative Mortgage - mortgagebrokers - Updated July 2026

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