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Mortgage Lending reviews in Southfield

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  • I wanted to refinance my home and get some additional cash out for home improvements. Goldstar's appraiser turned in a report that highlighted water in the basement, which has always been there. It is groundwater that seeps in when it rains, and it is handled by perimeter troughs and a sump pump. The system was installed 20 years ago. It isn't perfect, but it works. The underwriter at Flagstar rejected the loan because the collateral--the house--wasn't sound. I had basement contractors come out. One very nice man from Affordable Dry Basements wrote a letter stating the basement had no structural damage. This was not enough for the underwriter who, according to Goldstar, wanted certification that there would never be water in the basement again. My beef with Goldstar is that they were not willing to make any effort to reason with the underwriter, to work with the appraiser, or to find any way around or through an absurd snafu. I did not like the whole tone of the interactions with these people. They gave off a self-satisfied and lazy quality to their interactions as I interpreted it. I got no sense that they considered it their role to advocate for the customer.
    - Amy S.
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Mortgage Brokers in Southfield

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