Mortgage

I had a horrible experience with them. They are a mortgage broker who deal with a lender named Provident, based in Colorado. They have good rates, about a 1/2 point lower than everyone else. However, the process was incredibly painful. It dragged on for two months. Every time I asked if they had all the documents they needed, they would say yes. Then a few days later they would request more documents. They also had very high up front fees. Their fee for a home appraisal was 800$. Every other lender I've dealt with charged around 400$. Valley Mortgage also charged a brokering fee of a few thousand dollars. They wanted documentation of transfers between bank accounts. They requested the same information more than once. After giving my credit card info for the home appraisal, their rep called me up with some problem about T-bill rates going up and needing to charge my credit card another 700$. I should have walked away right then and there. After I responded that I wanted to cancel the home appraisal and that I was consulting a mortgage expert, they called back the next day to tell me miraculously that T-bill rates had gone down and they didn't need the extra 700$ after all. I will never deal with this company again. Skip Valley Mortgage Financial and just contact Provident in Colorado. You'll save yourself lots of money by skipping the middle man and possibly spare yourself a horrible experience dealing with them.

Great service

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