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Mortgage Lending reviews in Sacramento

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  • I am the seller of a townhouse. The buyer was "Pre-Approved" by Provider name locked. , which apparently actually meant nothing. Instead of requesting the appraisal in the first few days of the sale process Loan Officer, Geoff Provider name locked. ,  didn't request the appraisal to be done for 3 weeks. He continually missed commitments to call my agent back. He continually avoided contact with the buyers agent and with my agent. Once the appraisal was finally completed we continued to wait and wait and wait without any word as to why the loan docs were taking so long. This was supposed to close on June 30, 2014. I signed addendums extending the close of escrow date 3 different times.  There were other addendums to be signed that my agent told him we would need. He denied that they were needed only to find later we did need the addendums. After 6 weeks we were told that the loan was not going to go through. Geoff Pretttyman did not keep the buyer or the seller informed of status during this lengthy process. He went on vacation 2 different times while the property was in escrow and there was no one to back him up or even return a phone call. He was extremely unprofessional and incompetant.  The buyer ended up finding a private investor and the property closed on 7/31/14, no thanks to Geoff Provider name locked. and Provider name locked. .
    - Elizabeth R.
  • It really pains me to write this review.  I went with Provider name locked. because Provider name locked. , the loan consultant I used for the purchase of my home back in 2007, is now working for Summit.  I had such a great experience with Provider name locked. last time, so going with him again was a no brainer for me.  I went in for a no equity refinance of my house, and while everything closed, it was clear that I was not a top priority as a refi customer.
    I started the process back in April and I e-mailed Provider name locked. and asked what the best time would be to contact him to look at refinancing my home under HARP.  I was called back by Provider name locked. 's assistant Provider name locked. who had me fill out an on-line application.  A couple of weeks later, towards the end of April, Provider name locked. asked me to come into the office with copies of my paystub, bank statements, and other supporting documents.  At that time Provider name locked. told me the offer sheet with a rate of 4.5% on my first mortgage was just a starting point and the actual rate would be determined later on.  Also, he told that there would be no cost to me until I agreed on an actual loan.
    Then on May 9th I was contacted by Provider name locked. at Summit and she asked me to give her copies of my paystub and bank statements that I had just provided to Provider name locked. .  I told her she had the bank statements, but I would give her screen prints from my on-line statement because my next full statement would not be for another 2 weeks.  Also, I gave her a copy of my most recent paystub.  She also asked for a cashier's check for $125 for a subordination agreement for B of A, who I had my mortgage with.  I told her Provider name locked. told me there was no cost until I agreed on the loan and since I didn't have a loan in front of me with a locked in rate, I wasn't going to pay B of A anything.  The next day she then told that I could hold off on the $125 and she was simply giving me a heads up that B of A charges for the agreement.  About a week later Provider name locked. contacted me again and said that B of A would waive the $125 fee for the subordination agreement and that my next step was to deal directly with Provider name locked. and Provider name locked.
    On May 23rd, I spoke to Provider name locked. and he said that for my loan to continue, I needed to pay the $125 fee for the subordination agreement.  I told Provider name locked. that Provider name locked. said B of A was waiving that fee.  Then Provider name locked. mentioned that Chase was requiring the fee.  I told Provider name locked. that my mortgage wasn't with Chase it was with B of A.   Then Provider name locked. said that the next step was to wait until the subordination agreement came in because Summit couldn't lock in the rate until they had the subordination agreement.  Also, Provider name locked. told me I had to deal with Provider name locked. and not him and Provider name locked. .  That same day I got a note from my homeowner's insurance company that Summit was now the payee on my homeowner's insurance.
    The next day I was in touch with Provider name locked. and she said that the change in payee with my homeowner's insurance was done prematurely, that my loan hadn't closed yet, and that she would call me back when the subordination agreement came in and they could lock in my rate.
    There was no movement on my loan until June 11th, when I got an e-mail from Provider name locked. asking me to do a conference call regarding a new credit account with Wells Provider name locked. I opened with my fiancee.  Although the new account had a zero balance, I had to do a conference call with a credit monitoring company hired by Summit.  According to the monitoring company, Summit insisted on the conference call with me, the monitoring company, and Wells Provider name locked. .  Wells Provider name locked. confirmed that there was a zero balance and that was that.
    On June 15th Provider name locked. told me that the loan documents were with Chicago Title and I should call her with any questions.  During the two months of the loan process, interest rates were dropping.  However, Summit wasn't changing the original quote they gave me back in April and that was my rate.  Not wanting to go through the process all over again, it wasn't worth haggling over a half percent or so.  But in my opinion Summit wasn't really interested in finding the best deal for me.
    When I arrived at Chicago Title on June 19th, the escrow officer looked puzzled that someone from Summit wasn't there with me.  However, I told her I was a lawyer and had been through the process before, and she was good with that.  The escrow officer said my loan would close next week and she said Summit had already arranged for a bank in Michigan to administer my loan.  I thought I was officially done.
    But two days later, Provider name locked. e-mailed me and said that Summit would need a copy of my second mortgage before escrow would close even though they had a subordination agreement regarding the first mortgage.  Why they couldn't have asked for this back in April is beyond me.  I sent the documents over the next day and now that I was done.  The loan closed and I got a notice from Summit that everything went through.  I confirmed this through B of A and they had been paid off.
    On Provider name locked. 5th, I got an e-mail from Genelle at Summit saying that the escrow officer didn't have all the necessary documents and I had to sign yet another form.  I signed it and sent it back.  I was thinking how long will this take.  On Provider name locked. 16th, per the escrow instructions, I sent my payment to Michigan.  However, in this morning's mail was a letter from Summit saying I needed to send my payment to them.  No word back from Summit as of yet.
    Overall, Summit did exactly what I paid them to do.  But it seems like I was passed off to the B team and the right hand had no idea what the left hand was doing.  I have excellent credit (792-807-787 on all three reporting agencies as part of the refi) and I feel like Summit took way too long.  And just to prove the customer service has died, to this day Provider name locked. has failed to pick up the phone or send an e-mail to thank me for being a repeat customer.
    When my fiancee and I get a new home in 5 or 6 years, we won't be dealing with Provider name locked. or Summit.  Which pains me because Provider name locked. was such a stand up guy when I did my purchase mortgage for the home.

    - Fred M.
  • I thought that their service was not as professional as it should have been. I had a hard time getting them to answer questions about particular fees that were listed and I could not get a detail answer from them. I also thought the fees were too expensive.
    - DEBRA C.
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Mortgage Brokers in Sacramento

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