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    The Payment Exchange

    5.0 (1 review)
    Closed 8:00 am - 5:00 pm

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    11 years ago

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    Churchill Mortgage - Brentwood

    Churchill Mortgage - Brentwood

    (101 reviews)

    From the beginning I said I needed a construction loan, and that I chose them because they were…read morelisted as a preferred lender for a USDA rural construction loan. However, they seemed to have forgotten who I was or what I needed. Finally, Seth said he'd never processed a construction loan and wasn't even sure if Churchill did them. I got the run around for six months before firing them. I still need a rural construction loan.

    Incompetence at it's best or just shady not quite sure which as I had 2 issues while trying to…read morecomplete a refinance. First off applied for a 15 year mortgage and was told due to Income could not qualify but would get me a 30 year at the same rate. When the disclosures came in there were points involved that were not disclosed when mentioning the 30 year rate when I decided not to move forward, they then had calculated my income incorrectly & then said yes you do qualify and again disclosed the costs involved and with the now 15 year mortgage at the rate agreed upon for the same loan $$ I would be getting money back at settlement(not a lot but around $1000.00). 9 Days prior to close I looked at my Loan Details and all of the sudden my loan $$ was for 1700 more than the initial loan and they said"the loan changed because the calculations were off on payoff and taxes" So either they are incompetent or shady. The new loan $$ would never have been disclosed if I had not looked at the Loan details. Needless to say we decided to hold off and find a more Honest or Knowledgeable Mortgage company. Can't say which it was Incompetence or shady dealings but for us we walked away early and will be dealing with what we hope to find is a better choice in Mortgage Companies. Be Careful.

    The Payment Exchange - debtrelief - Updated September 2026

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