Mortgage Solutions FinancialReviews of mortgagesolutions.net

Did not appear to start working the loan until the day of closing. As a result, closing was delayed several weeks.

If I could give this loan company less than 1 Star I would. My husband found these guys and really trusted them with the process. They said we were pre-approved just needed the paper work. Everything seemed to take FOREVER. We finally got a call from OUR relator letting us know, the sellers realtor contacted her because the underwriters for OUR loan contacted the sellers and told them we DID NOT QUALIFY! If that doesn’t scream shady I don’t know what does. Even if we didn’t qualify, why are you speaking to the sellers if we are apply for a loan from this company??? I would NEVER recommend this company even if someone was buying a DOG HOUSE!

Getting the loan went ok. I was relocating due to new job and Mortgage Solutions wouldn't close without 30 days of pay stubs at the new job. Kind of understandable from a risk perspective on their end but made a job relo complicated on my end. Managing the loan after closing has been HORRIBLE. First I was being double billed every month, which was confusing. The customer service call number makes it near impossible to talk to a real person - I had to go back to my loan officer to get connected with a human. I was told I was getting 2 statements because I "pay early" and that the 2nd shows a payment. But that's not what I was getting and no one would listen. Then I stopped getting statements all together so was late one month. One of their collectors tried to call me but it was a number that showed as "Potential Spam" so I didn't answer and no one left a message. One day Potential Spam called when I was off work so picked up the phone to be read my rights by their debt collector who was totally not interested in customer service. So I got hammered by late fees and credit reporting. Tried to fix that and set up auto payments. A payment has yet to automatically be withdrawn. The billing side of this company is terrible.

So I called them last November ish to get some information about the VA home loan they offered. Got some good information. More than I had from other mortgage companies. So I called back up in January to get the ball rolling. It started out ok. I’ll admit I had issues getting Kori the documents. Between my email putting her emails in the spam and being busy learning my new job and school. The problems started coming around when she got snippy with me about not getting the documents to her. And that was the issue with my email. Sent her screen shots. And on the day prior I sent her information on a house and asked to run the numbers. And she said I was good to go to put in an offer. And she ended up sending a preapproval letter for 230k to the realtor so I sent in screen shots of what I could. So fast forward to today, I had sent her an email about a house asking for her to run the numbers for me. I had accidentally not put the address in I guess. So I sent it again. And she came back and told me she couldn’t get me approved for 240k. Even though back in January when she ran my credit and got my information. Said I was preapproved for 240k. And after telling me she couldn’t get me approved for 240, tells me I need to stay around 230k to 235k. But again says it’d be very difficult to get me approved for even that. The same excuse every time was it would put my debt to income too high. And they more than likely wouldn’t approve it. The fact she said one thing and and come to find out, what she told me. Has been a lie this whole time. So it’s honestly a good thing my offer on the first house didn’t workout. Because my luck would of been me loosing my earnest money and other funds for the inspection and appraisal. So I probably would have been out $3,000 plus. She has been dishonest since the beginning. And after reading reviews of mortgage solutions. I should have looked there first and saved the heartache and stress.

Cold called my wife at 20:10 of an evening.

If it was possible to choose a negative amount of starts for a rating, I absolutely would! This company has had the paperwork for THREE MONTHS! They knew the closing date and gave us the run around every time they spoke with us or our realtor. They delayed the purchase of our dream home because of negligence. We have been told that we “might” be able to close on our current home five different days. We have taken days off of work because we were told we would be able to close one day, just to wake up and find out it wasn’t going to happen. There was no truthful information given, just a run around. Absolutely awful service! Dino has done an awful job and not been helpful or productive.

Do not!!! I say again do not!! Use these sharks! They will prey on unknowingly costumers. During a pandemic they still foreclosed my family. They always have us the run around! The worst "agent" Leanna Hardwick lied to us and wouldn't let us refinance. Also wouldn't reply to our text, calls and emails. Told us she was out of town but then we personally saw her!

I’d give them zero stars if I could. The entire process was a nightmare. We started working with MSF out of Colorado Springs and was transferred to one of their North Carolina offices since we were planning to purchase our second home there and selling our current home in the springs. The initial preapproval process went super smooth, but once we got into underwriting it was a complete cluster. We worked with two different people, Jean Beauchamp and Tim Delgado, both of whom must have had pull to get their jobs to begin with because the level of incompetence was astounding. We had to resend the same documents at least 2 or 3 times because they kept getting lost and “not saved to their system”. They also missed cutoff dates for documents that’s needed our signature and each time, blamed it on us. We would never receive the emails, we’d call and text them both for updates (as we were traveling across country to make sure we met their deadlines) and it was always radio silence until the cutoff time was missed and they didn’t get what they needed...all because they wouldn’t send it to us!!! They told us we owed $6k at closing, and we signed a document saying so, only to receive a nasty text message 3 hours before closing stating that we actually owed $9500. We we disputed that this was not disclosed to us at all (even after speaking to Tim’s manager twice due to the level of disrespect we got from him multiple times when asking simple, clarifying questions) and that we couldn’t just come up with $3k in less than 3 hours. Well all we got was a series of nasty texts and emails saying how this is all our fault, we knew what we had to do, etc.. Tim was the most unprofessional, arrogant, and self serving person I’ve ever had the chance to speak with in my life. Anytime a question was asked, he would rebuttal with how he knew better and he’s been “doing this for 25 years”. Yeah well you’d never know it because he is a complete moron. After closing on August 28th, we received 2 letters that our homeowners insurance was going to be cancelled due to non payment and our city taxes were owed, both of which were paid at closing. We reached out to both Tim and Jean and no response from either. Called the main headquarters to get more info and the customer service woman said she couldn’t help because our loan still wasn’t complete and was “still going through the process”. I finally got it straightened out with the agencies themselves but still nothing back from Tim or Jean. I would NEVER use these people again in my life!