Mortgage

If you want to hassle with this people to get a loan, and receive very unprofessional service. This is the place, talk to Lisa or Adam

I am a first time home buyer and I didn't know what I was getting into. I put an offer in on a home and wasn't prepared for it to be accepted; however it was and I needed to initiate the loan process with pre-approval imidiately, as I only had about 30 days to close. After meeting with several brokers and lenders, I decided to go forward with Richard and Alliance Mortgage Group because of their fast responses and willingness to explain the details of of the process which I was new to. Richard was readily available to answer questions when I had them. He provided me with continuous updates as the process went on. Richard's professionalism and willingness to communicate made me feel extremely comfortable in the home buying process. Alliance was able to close a week earlier then expected and I am now a Homeowner. Thank you Richard for making the process as seamless as possible and enjoyable for a first time home buyer.

Poor communication and unnecessary delays! When you are told they can process things within one month, don't believe it! The first time I used Gateway was a real learning experience about how much documentation is necessary - so when I wanted to refinance I decided that going back through Gateway would simplify the process. For example, since I already have my home insurance paid through the escrow account by Gateway, Gateway should already know who my insurer is, right? But at the last minute they said they couldn't verify it, and this cost additional days of delays. Overall I do recommend Gateway, but expect it to take closer to two months, and expect to be exasperated by the whole experience.

It seemed like different people were handling our mortgage, which only led to additional miscommunication and frustration. The lending team representing our mortgage lender was near rude with us during the process of collecting documents, as if we had done something wrong. It is obvious that they have no empathy for their customers going through one of their most stressful purchases in their life. We were worrying whether the mortgage lender would complete their tasks on time, possibly causing us to lose the home; mostly due to lack of communication, poor follow through, and failing to find solutions in a timely manner. We submitted all original requested documents near day 20 days away from closing. They waited until 5 days prior to request, via e-mail, (less) information. Even with me providing additional documents on Day 3, we did not get confirmation of financing finalized until the last day possible in our contract. Me not completely knowing the process regarding how they enter the information requested to the actual lending company, there was one very simple problem that just to this day does not make sense. The lender continued to ask for additional bank statements that showed less information. They claimed that a transaction needed to be accounted for. This transaction occurred outside the original timeframe requested, and was an account transfer from a checking to savings. Because we had this transaction listed (Too much information), I had to include updated documents for 3 accounts, and a paystub for an additional month. In my world, this would be the first time ever that having too much information caused an issue. They were asking for a bank statement that had everything else, just also less that one transaction. ... Just draw a sharpie through it or pretend it's not there. Either way, you should have all the information needed for the mortgage. What sense does that make? Instead of trying to find a solution on my behalf, they spent their time trying to convince me how I just needed to keep submitting more documents with my personal information. I was about 1 day away from finding another lender. Maybe they've become desensitized to the sensitive nature of the information they keep requesting. Maybe they have lost their sense of customer service. Maybe they are so used to saying no, that saying yes has become unusual. One thing is for sure though, I will not be recommending this company for future business.