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Spirit Lake Mortgage Brokering Articles
The supervisors are even more obnoxious than the front-line employees, so I wouldn't recommend going through supervisors. They apparently promote based on ones ability to be a jerk. I was hung up on by a supervisor after I pointed out that her employee
lied to me. I don't call people liars lightly, but when someone says "customer provided this item on X date, and I check my records and see that I provided the item in question a week earlier and point out to them that I pointed it out a week earlier and they keep reiterating the wrong date, I first calmly point out that they are mistaken and when they dig their heels in I call a
Bottom line: you'll get a great rate, but you'll take multiple days off work to deal with their horrible staff. Add in the value of your time and the cost of a two-hour massage after it's all over to the closing costs, and suddenly they don't look so great.
Over the next 6 weeks before my closing, I quickly responded with all the documentation they requested but they kept asking for more. In the week before my closing, we still didn't have a guarantee of funds and continued to get requests for new documentation. We were supposed to close on Monday in the middle of the month (a slow time for mortgage companies). We were still receiving requests from Commonwealth for documentation at 2pm that Friday afternoon forcing me to leave work to go to a local bank branch to get a statement printed. It ended up not meeting their undefined standards so I printed off the online version even though they'd previously said that was unacceptable. This time it was OK for some reason. Around 3pm, we finally got the news that we were approved but my attorney didn't receive the binder required to create the HUD-1 statement until after the close of business. We were forced to delay the time of the closing until the last possible time on Monday that we could file the
On the day of closing, we met the attorneys at the Registry of
Unfortunately, the pain didn't end there. A few weeks later, I got another request from Commonwealth for additional information so they could sell my mortgage. They essentially wanted me to sign a document saying that I had the authority to use a business account for personal purposes since some of my deposit had gone through the account. Aside from being a lie, I had no interest in further assisting them and declined to provide it. When they finally sold the loan, they sent a form letter to notify me of the sale. It was confusing and had incorrect data on it indicating that I did not have to make my 2nd payment. When they didn't receive that payment, they started emailing and calling me to resolve it. Luckily, I had ignored their letter and sent the payment to the new servicer. However, I had to provide Commonwealth with additional information to prove this so they could collect it.
Throughout the entire process, the only way Commonwealth exceeded my expectations was in the amount of pain that can be inflicted while applying for a mortgage.
I would highly recommend them to any of my friends and family...and would definitely use them again in the future.
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