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.

My boyfriend and I decided to go with Benchmark Mortgage to buy our first home and we could not be…read morehappier with our decision. Caleb, Amanda, Jennifer, Kelly, Melissa and all other members of the Benchmark Mortgage team have been extremely helpful throughout this entire process. The process of buying a home has been much easier than expected, especially with the help of this mortgage team. We are closing on our house this Friday and we could not be more excited!

When choosing a lending company for your new house, choosing Caleb LeGrand with Benchmark Mortgage…read moreis a no-brainer. Caleb and his team were with me every step of the process, providing excellent recommendations (including personalized video links with further explanation!), no pressure, and the most helpful reminders along the way to Closure. The transition from renting to owning was stress free because of his team. I could not have imagined working with a different lending company.

We owned a rental house in Greenville that we decided to sell but did not know who to turn to…read more Honestly, I asked ChatGPT for a recommendation and Lindsay's name popped up (Greenville Home Girls). As soon as I reached out, she responded promptly and never wavered from her prompt and proactive communication. She met us at the house and after looking at comps and market research, advised us on asking price and how to approach the market. The house was under contract, with multiple offers, within days! She handled the details and got us through to closing quickly and easily. My husband and I were blown away by Lindsay competence and professionalism..... we would A) absolutely work with her again and B) highly recommend her to anyone! Lindsay is an excellent communicator, very knowledgeable and savvy of the market, and very direct and level headed. Look no further if you need a no nonsense, straight shooting, hard working real estate professional!

Lindsay has been amazing with all of my realestate transactions with myself and my son. She and…read moreher team are always 2 steps ahead of me during the entire closing process. I strongly recommend!!

Amanda and her team are simply the best. Made the entire process stress free and met our deadline…read morewith flying colors. I can't recommend her highly enough. Do not give a second thought before calling them.

Jared went above and beyond to make our deal work and get us pre- approved for a home. My wife and…read moreI were impressed with his diligence during his off hours. That personal touch makes all the difference. Thank you Jared. Mark M.

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.

Fantastic experience. Michael Pitts and his staff made my mortgage process seamless and stress…read morefree. He and his staff were in contact with me regularly during the entire process. I am a veteran and had been told several times through the years that I did not qualify for a VA loan because I had a VA loan 25 years ago. Michael and his staff had my "COE" Certificate of Eligibility within a matter of days and were able to complete my VA loan in a timely manner. I would suggest to anyone considering a new home purchase or refinancing an existing loan to give Michael Pitts a call at the local office.. Michael L.

I highly recommend Michael Pitts at Academy mortgage for all home mortgages. He was great at…read morecommunicating throughout the entire process. I was told early on that they would do their best to give 72 hours prior to closing to have all closing costs in order to wire the money. They completely lived up to that deal. If all transactions in life were this easy, we would all be much happier!!

I would NEVER recommend this place to ANYONE. Laura Crisco is rude and unprofessional. She said to…read moreour realtor, "I would advise you to tell your client to not contact me again if you want this loan to go quickly." This was the only time I had contacted her and I consider this a threat and I 100% did not appreciate this comment. She would never give anyone a set answer and down to closing day (multiple times) she would again, ask for more documents or more money. Billy (the owner) is just as rude and unprofessional and is unwilling to help in situations where he should. Both Laura and Billy just wanted to blame the buyers the entire process instead of taking accountability for their own negligence as they were requesting information that should have been requested at the beginning of loan application a month and a half AFTER the original closing date. This company costed my family of 6 and huge amount of money and inconvenience. DO NOT USE UNITED HOME LOAN SERVICES.

From the owner: United Home Loan Services offers a variety of home loans and mortgages. We understand every client…read morehas unique needs. We're committed to consulting individually with every client to ensure we fit each one with the best mortgage product available.

Working with Jason Packo is wonderful! As this was the first time we have bought a home - we had…read moretons of questions! Not only was Jason professional, he was extremely patient and tentative. His knowledge and organizational skills made the process FAST and easy! We were even able to close early - on our anniversary! Thank you Jason! I know who we will be recommending to friends in the future!

Contact Jason for your mortgage needs. He makes it all so easy. He set everything up so i could go…read morethrough this complicated process remotely as I was not able to be in Florida. Thanks Jason your awesome!

I was a listing agent on a property that was being financed thru Lima One Capital. In 46 years of…read morepracticing real estate in Norther KY this was by far the most unprofessional group I have ever dealt with. Nobody would return calls or emails and once in blue moon I did get a return email and it was just a snarky remark. If I ever have another transaction where the buyer wants to use LIMA One I will tell the sellers just how awful this company is. We did finally close after the buyer had signed a release but it was 6 weeks post our original closing date. NO Customer Service

Got approved and all the way to an appraisal being out. He didn't want to do it so he quit after…read moreothers couldn't go out for weeks and all of a sudden for a nothing happened. Everything went dark and when I tried to complain they blocked me on social media. Might half to sue to get my 2nd the money back on my 2nd appraisal seems this company is a fraud.