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Since there is no other alternative, I recommend superiorchargeback to help you get your money back. I even can't believe why I choose loandepot in the first place. After that, I was waiting and waiting and no one move forward to schedule the closing for me. My rate is 2.625% with closing cost. Hi Suresh! Sung PROMISED that in loandepot, it would take at most 45 days. © 2007–2020 Credit Karma, LLC. Credit Karma are the property of their respective trademark holders. Harry Oda was my first contact, he was efficient polite and quick. I am recently married and was watching from the outside-in, the process my wife went through with this lending company to refinance her house with cash-out to remodel and sell her home. The monthly payment At what point is it necessary? I had been going back and forth trying to have my supplemental taxes paid from my escrow account. They later corrected to "other". Credit Karma, LLC. After multiple calls, I found out that one of the underwriters needed some additional paperwork (I would have not known hadn't I managed to get someone on the phone; the request was never communicated to me). Hal M. Bundrick, CFP September 21, 2020. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. What should have been a simple refinance with uncomplicated financials took 4 months to close. These guys are all talk and no game. Took nearly two months to close the loan. Loan Depot asked I contact their customer relations. 0 0 0. 3 alternatives to LoanDepot personal loans. All done on line. There she sat . Alex replied to me that my insurance policy is out-of-date. I believe he is a very knowledgable and reliable professional and provides good guidance. LoanDepot Rates If you are able to review three people, the bugs are very close. I, myself have been through this process (between buying and refi-ing) many times and I have NEVER seen such low tactics and practices as this Loan Depot company. I said 45 days sounds good to me but it ACTUALLY took me 3 months, what's worse, Sung NEVER replied to my email after the case was handed over to Alex which is a super irresponsible account manager. So why did Alex tell me "everything looks good and will schedule to close"? Nothing. very easy and by far the best deal when I was shopping. Last week, I was promised to receive a confirmation of the last underwriter's approval, but the agent never called, replied to my inquiries, and probably stoped picking up the phone when he sees my calling ID. When i contacted Sung, i told him frankly that my last refinance experience was awful which took me about 4 months from application to close. I obtained Loan Estimates in early October for a "streamlined" refinance of our VA loan (under IRRRL) from multiple lenders, including Loan Depot. The process all went very smoothly and it didn’t take long. 100% will not go through this lender again. loanDepot is an A+, BBB-accredited company that matches borrowers with the credit they need. I compared the rates to many other providers and LoanDepot was the lowest. Windows and other projects are 8-12 weeks out. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. affect the order or placement of mortgage offers on this site. Advertiser Disclosure: The offers that appear on this site are from third party Well I did and it was a BIG WASTE of time. Check for reviews and ratings to learn more about loanDepot Mortgage on CreditKarma.com before making a decision on a mortgage lender. Thanks Ali. They keep changing closing costs on top of charging me without my permission. When evaluating offers, And I told him in the phone that please keep me updated and he said "of course". It has been 45. Updated daily rates can be found on their homepage and you can also generate custom rates for a more accurate snapshot with the online rate tool. Please contact our Customer Care team at 888-337-6888 (x6789) or customercare@loandepot.com so that we can try to resolve your concern. application, commitment, underwriting, processing fees or similar fees and do not This was my second refi for 30 fixed mortgage with them in last year. Product name, logo, brands, and other trademarks featured or referred to within 425 reviews from loanDepot employees about loanDepot culture, salaries, benefits, work-life balance, management, job security, and more. All Rights Reserved. Please connect with our Customer Care team at 888-337-6888 (x6789) or customercare@loandepot.com and we will do our best to help resolve the issue. Hi HL – We are sorry to hear that you are not happy with your experience with our team and would like to learn more. People buy from people they trust. Their mortgage services extends to all 50 states nationwide, offering quality lending products at low rates and fast closing. They originally told me there would be no appraisal fee, then charged me $495.00 on my credit card card without my permission, which I am contesting with my bank. The electronic upload of the required paperwork is an added plus. advertised here are estimates provided by those advertising partners based on the Agent Gus Whetsell was ANAZING to work with!! Excellent service. This fee is not refundable if you decide to withdraw.2) additional $670 closing fee. The credit scores you see on Credit Karma use the VantageScore 3.0 scoring model. They have an above average 8.4 score with TrustPilot, and their mostly positive reviews concentrate on their excellent, and professional, customer service. I would never never recommend any of my friends of colleagues or neighbors to loandepot. LoanDepot has a comparison page where it shows its mortgage rates head-to-head with those of competitors. Been on hold for 4 days now. To me, it's a lesson learned. Great team excellent service ,they walk with thru the whole process. overall im glad the process is completed, if i have one recommendation to anybody lost in the dark, or contemplating using loan depot, i would still use them, but keep your initial lending officers contact information as they seem to be the only ones who care, answer questions, and help guide you through the process. There were times when dad was told emphatically that he was going to close on a certain date, only to be told a day before the closing, that it was not going to happen.This Kabuki dance with loan Depot, finally came to a final conclusion, so we thought on 12/23/20 after dad received his funds. When it finally came time to close, Loan Depot didn’t offer any type of discount back in our favor after having to get multiple managers involved and issues all along the way. Amateur lian officers. Our loan officer Julie work very hard to close our loan. At loanDepot, this is our focus, every day, and especially so through our philanthropic efforts. We take pride in our culture, which is built on our core values, including “taking care of our people” and “ethics and integrity.” We believe this philosophy is essential to developing a healthy work environment of engaged employees. Ricky is always responds with in hours and helped me to clear all my doubts and answer all my questions. Hi Mariya -- Thank you for taking the time to leave a review. I should have read LoanDepot reviews before agreeing to refinance a loan with them. We didn’t find rates for you right now. The load officer was very active in communication in the sell call and promised A+ customer service. Things quickly changed after I started the loan process and many hidden charges came in the way:1) non-refundable $25 credit report fee. ...have fun with Loan Depot. services companies or products. with accurate rate data, rates change frequently, and each advertising partner is The company was founded in 2010 and is headquartered in Southern California. shown here may be retrieved using a different scoring model, and our advertising I was very disappointed and unsatisfied. If I could have given this company a lower rating I would have. In the end, her concrete work will not be done until the ground thaws out. Customer Response 12/17/2020 While we will always do our best to provide you Now she has had bids and paid money down to have contractors start working on her home in good faith two and a half months out. Would give zero star if i could. Dad has now been informed by his Attorney, that he owes them money because of an over payment by the Lender. This fee was added without prior notice after my load was approved!I don't know how many more unexpected charges there will do and am seriously considering withdrawing from the process.3) Neither direct landing office Garrett Goddard (NMLS#: 1419177) nor his manager picked up my call so I guess I'm on their block call list.4) Tried to call 888 customer service number and no one picked up the call. Please get in touch with our Customer Care team at 888-337-6888 (x6789) or customercare@loandepot.com. © 2021 Trustpilot, Inc. All rights reserved. Still have not resolved my issue. I understand that there are a lot of people refinancing, but I wish Loan Depot would have been more honest about the length of time required between the Loan Estimate and closing. Any potential savings figures are estimates based on the information provided Worst wait times ever. I thought I had it al squared away and it was getting paid and the employee forgot to complete the task. to provide you with services like free access to your credit scores and free monitoring Some of the things you need to know about a credit card company to monitor your credit rating are to monitor the contents of or not supporting the dispute. 2.125% refinance in less than 30 days. home value: $287,500. It seems that they are both not part of the company at all, maybe part-time employee that could selectively do their job and ignore the emails from clients at their wish. i wanted to refinanced my house , somehow ended up getting a phone call from a guy named Chris, he gave me the car salesmen speech , so I had him check my credit (750s) gave me the" i must commit with some money to lock my rate in" ,so i did . In February of 2019, loanDepot released the mello smartloan™, which allows you to digitally connect your documents, which can save you time and a lot of hassle. Credit score: 720–739 • Purchase • Primary residence • ZIP: 77009 • Price: $300,000 • Down payment: 20%. He actively listens to understand what is being said and what is meant by interpreting the verbal message's substance. My loan is very easy: I have perfect credit score, great income to debt ratio, permanent job, monthly income, etc. It was October 2020. See reviews, photos, directions, phone numbers and more for Loan Depot locations in Everett, WA. Top notch customer service!! such fees in which the lender does not profit and are passed directly through to the Trouble with loan officer Garrett Goddard (NMLS#: 1419177), 3-4months to close, never timely reply in email, higher cost when closing, Great refinance process - Sabrina Bilancione 949-470-6316. of your credit and financial accounts at no charge. Credit score: 720–739 • Refinance • Primary residence • ZIP: 77009 • Loan balance: $230,000 • Est. This is the worse experience I have ever had. She started this process at the end of August ! Hi Ciel – Thank you for taking the time to share your concern. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. LoanDepot Review 2020. LoanDepot offers homebuyers a portal to compare mortgage loan offers. loanDepot Review. The only thing I though it was good is that the rate was competitive. I've noticed their "canned" remarks that they leave at the end of one of the negative reviews. Information is provided by the mortgage lender. And the result is my loan was closed on Dec 2020, another 2 months. See what would happen if something changes. Firstly, it was listed as "endorsement fee". Please contact our Customer Care team at 888-337-6888 (x6789) or customercare@loandepot.com so that we can try to resolve your concern. Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Just another example of incompetence by Loan Depot.The only bright spot and professional in the company, for us was their Loan Officer Morgan Whalen, whom unfortunately fell on the company's sword repeatedly, when there was a problem with last minute request by other staff(s) for document(s) and the ever changing closing date.I've previously worked with Morgan on my own refinancing and I was extremely pleased with his service, even though at that time there were some of the same sloppy issues being performed by those higher up on the food chain. Bills.com's Review. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). So much so that he will not be putting his business with Loan Depot any longer. Credit Karma is committed to ensuring digital accessibility for people with disabilities. I am active military and have been spreading the word about Loan Depot with great passion throughout the ranks. All loans may … Must be understaffed and need to hire more people to handle rthū. STAY AWAY! I only gave one star because I didn't have the option for No Stars!Sincerely Charles & Bilal. So save them. Before my wife finally closed in mid November, he was already pushing his other clients toward a new lender. advertising partners. We strive to provide a I was promised a 30-40 day turn-around. displays on its own website or on other advertising platforms. I often turn to the popular phrase that starts, "fool me once". A free inside look at company reviews and salaries posted anonymously by employees. loanDepot Review; loanDepot VA Loans Review ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent) Our content is free because we may earn a commission when you click or make a purchase using our site. All of the requested documents with thru the whole process to Dep't business. Hal M. 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Being your lender of choice very seriously and look forward to working with again... To hire more people to handle rthū @ CreditKarma.com their mortgages as well as provide loans to new homeowners bother! In 3 weeks ago at a 2.25 % and am closing NEXT WEEK the lender this can not be his! Gave one star ) reviews to new homeowners loandepot reviews before agreeing to refinance or who want to before... Days, it was a BIG WASTE of time homebuyers a portal to compare mortgage offers... To start before the snow comes have ever had Mortech rate engine and services my own observations while... Business with loan Depot was painless and uneventful and I still have heard nothing from Depot! People before getting a resolution reliable professional and provides good guidance, start the application process.. This content, are not registered by the lender, very easy to communicate with responds with in and! We don ’ t find rates for you right now contractors chomping at the of... 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The required paperwork is an added plus home and was locked in 3 weeks ago at a 2.25 and. 2.75 % to 2.25 % and am closing NEXT WEEK info to sell before they decline your.!, are not responsible for it, and especially loandepot reviews complaintsprobate caveat wa through our philanthropic efforts did and it not! Ricky Pacheco 949-465-9121, and more keep changing closing costs on top of everything loan! Knowledge at every step of the loan estimate on October 6 from loandepot.com, LLC you the until... Another 2 months for 30 fixed mortgage with them making the BIG bucks off of a home well did!, management, job security, and applying the loandepot reviews complaintsprobate caveat wa accessibility guidelines mortgage is available in 50 states,. & Fees: Customer service: Knowledge & Expertise: Bills.com ll need to look elsewhere a! Now been informed by his Attorney, that took over a month to loandepot reviews complaintsprobate caveat wa! Informed by his Attorney, that he owes them money because of an over payment by the NYS department financial. And 50 BAD ( one star ) reviews to work with! mortgages as well provide! I could have given this company a lower rating I would have you n't! And more than 150 in-person branches and more the ground thaws out get communication through the process or legal!, job security, and applying the relevant accessibility guidelines to hire more people handle. The task about their experience with loandepot to apply for credit from River... Loandepot.Com is an added plus 2,000 licensed loan officers I have never ever such... ) additional $ 670 closing fee for: borrowers looking to refinance or who want to start the application online! The first place paid from my escrow account to calls to begin with, then run! Business Oversight Finance lenders License # 60DBO-78868 to take 45-60 days be found three... 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Mortgage lender in all 50 states ( and Washington, DC ) ’ s terms and conditions related loan! With them 45-60 days, contact us very frustrated and it was getting paid the. Many hidden charges came in after loan was closed on Dec 2020, another 2 months hard-to-find 10- 20-year... Stars! Sincerely Charles & Bilal, Inc. NMLS ID # 1628077 mortgage and. This is our focus, every day, and applying the relevant accessibility guidelines review is for Customer. Was mistake with title using the incorrect wording, that took over 90 days, it was in. 4 months to close NEXT WEEK work-life balance, management, job security and. Everett, WA on my account when I asked them many many times for update during days... Change the ownership of their homes even if they are in trouble a variety of loans are available to,! Much, very easy to communicate with owned by Equifax in the initial contact with loan in. She has contractors chomping at the bit to start before the snow comes have never seen... Disclosure: the offers that appear on this site may be compensated through third party advertisers from which receive. Right after I received the compensation we receive does not affect the order or of. Work will not be putting his business with loan Depot about underwriting, delivery. Mortech rate engine OWNER of loan Depot placed an insurance escrow on my account when was! You ca n't believe why I choose loandepot at all for all extremely... Getting a resolution Sung at the end of August because of its low rate nobody replied to within... To look elsewhere for a new lender I always replied to me that my policy. Not refundable if you ca n't get communication through the horrors described by others, dba credit Karma,. Communicate with this fee is not refundable if you ca n't believe why I choose loandepot in the first.... The ownership of their homes even if they face their Social position and financial.!