PERL Mortgage, IncReviews of perlmortgage.com

My parents tried to get a loan a year ago from PERL and the loan officer they used was James Counihan, Needless to say, horrible communication and they did not receive a loan!!!! Issued a bogus "Pre-approval" letter that meant absolutely nothing. James never called or emailed to update or inform any part of the loan process or status. Had to call the main office line to have him paged so that he could call back. Botched the loan causing them not to have anywhere to live! Glad to hear that PERL got bought out by another company and that James Counihan now works at Chase Mortgage. But if you do go to Chase for a mortgage, don't use him. He's a horrible loan officer.

Unfortunately I fully trusted this company as a first time house buyer and they completely ripped me off. I got the worst rate unimaginable with a credit score of over 800 and no debt and high income. I tried to be super quick and responsive during the process but unfortunately they did the worst job for me and at the end apologizing for what a terrible job they did and asking for the second chance. I'm refinancing my mortgage with almost 1% less rate with another bank which brought my monthly down to almost $450/month. I'll NEVER EVER recommend PERL mortgage to any of my friends.

The best %100

I am beyond disappointed with the level of service and attention to detail provided during our refinance process. There were errors in our appraisal that our mortgage advisor deemed unimportant before he even looked into it. We constantly had to follow up with him regarding questions, his response always had an excuse about how someone else dropped the ball. We were told to sign things, and when we asked questions before signing was told "don't worry about it, we don't actually need you to sign that". The tip of the iceberg... One day prior to closing, they still had not provided me with an accurate statement showing what our monthly payment would be. The only reason that I didn't pull the plug on the entire thing is because I had a locked rate and current rates had increased. I have worked with a few Perl staff for 15+ years to finance and refinance several homes, and I will definitely not use Perl again.

More paperwork than any other lender. My closing took over 3 hours. The lawyer and realtors said it was the most paperwork they’d ever seen and there were emails requesting more paperwork during the closing. I had to request the final numbers for closing from Perl the night before our morning close. Would never use them again.

Lacked communication with lender and vendor.

Sorry to do this but my whole experience with you all was a nightmare.

I will never recommend this company to even my worst enemy. My closing was delayed by 4 days. No one kept me updated other than my realtor ( Desi Smith with Ideal Realty in Chicago). She’s the only good that came out of the worst home buying experience I’ve ever had. Lin was the only pet I would recommend at Perl. Unfortunately he did not handle my mortgage. He was the only one person that got back to me in a timely manner. James Counihan and his team are awful!!!! DO NOT USE PERL MORTGAGE!!!!! To put the icing on the cake they wired the money to the wrong title company during the closing. So everyone had to sit and wait for their checks to be dispersed.