Product: Mortgage

I will keep this as brief as possible as it is a long, stressful and crooked chain of events that occurred with this lender. Please XXXX, XXXX and blogs about the fallacious practices committed by this lender before using them for your mortgage needs. 

I was approved for refinancing my home with a cash-out option $ XXXX with a locked in rate of XXXX in the beginning of XX/XX/2021. All necessary Documents and information was provided, and the appraisal was scheduled to be completed shortly after. After waiting almost 90 days to have the appraisal completed and final closing disclosure documents provided, I felt something was off. 



After dozens of attempts to contact the loan originator XXXX and processor XXXX, with not one response from XXXX and broken promises from XXXX on what the status was with the refinancing. After dozens of calls to the reps can customer support and managers, I was told the loan was taking longer than normal to complete and that it would go to closing within a few days. 



After receiving emails that a closing rep would be coming out to have paperwork signed, I again requested closing documents to review before anything was scheduled. After a few days, I finally received closing documents to find errors throughout the entire disclosure. The rate was incorrect, almost 5 %, closing fees that were thousands of dollars off, incorrect escrow balances, invalid appraisal fees which I paid for my self, and the list goes on. I felt at this point this lender is purely committing fraud to get borrowers to just unknowingly sign documents that incorrect and fraudulent. 



After reviewing all these errors, I contacted the head manager of the loan department, XXXX to find out what was going on. He said they need to review and discuss with additional higher ups to find out whats going on and what occurred. He did follow up and provide me updates daily which took almost 2 weeks, but appreciated the improved communication with him. After days of back and forth, waiting for an answer, he tells me the rate lock which I had back in XXXX expired and the 2 extensions they requested also expired. So admitting that due to their systems, lack of care, job responsibilities and overall level of urgency, the lender didnt process the refi in time and my rate expired, and I knew nothing about any of this. After waiting months and months, not making any major purchases which was a major burden on me as Im renovating a second home, paying for appraisal, among other things. It all meant Nothing! Everything was a waste of money and my time working with this lender. 



I can not put into words the disappointment and anger I felt with this company, and its employees on how they handled this loan and the lack of communication, and how they treated me after their XXXX and mistake. I am writing this in hopes that others can avoid the same terrible and horrible experience that I had. Please do yourself a favor and avoid working with this lender like the Plague! I have written reviews with detailed explanations and supporting documents on all review boards, XXXX, and filed complaints against them to the US. Gov and XXXX XXXX  XXXX XXXX. These type of lenders and banks should not exist in this world, where people can help each other and provide positive guidance on who to use and who to avoid. 



Im sorry for my long review, but I hope it helps others to avoid going through what I did. 

Thank you XXXX