RateReviews of rate.com

Horrific experience. I rarely take the time to leave a review, but buyers need to be aware. Contingencies weren’t met on time, and communication was poor, with excuse after excuse as to why the loan hadn’t closed. The manager wouldn’t even return our call to step in and help. We closed six days late, which resulted in a $5,000 penalty. Lender: Drew Gebhart. Manager: Enrique Leon.

I wish I could give it a zero. This company made the buyer lose a bunch of money. No response. Run as fast as you can, we had the nightmare of working with Ryan West. He never did anything, no answer, multiple phone calls, nothing....Run as fast as you can from this company. Pick a local lender that can actually close the deal

BIG mistake on my part to engage with Rate. They are total BSers and will waste your time. We were asking for a modest mortgage to buy a condo, we were pressed for time and did not wanted to use our savings. Close to finalizing the loan, they found some bs excuse to move to "another investor group for funding", which resulted in a higher interest rate and requests for more statements and information. Stalled, stalled, stalled, close date approaching and no final answer from them. We pulled the plug and self funded. I am putting a formal complaint with Beneplace at my employer so that they are removed from the roster

Guaranteed Rate came recommended via a Realtor. Refinance loan application process was smooth. But then suddenly all communication came to a sudden halt. No texts and no emails were answered when I questioned some of the closing costs on the loan application. This is a red flag. Do not use this mortgage company. What's ironic is this statement on their website, "Need to connect? I'm always available."

They did a hard pull on my credit by mistake instead of a soft pull, then two more… they never sent me a loan disclosure or estimate, then when I was asking for an appraisal, the guy said that his system wasn’t generating an approval for some reason, now I will have to look for another lender asap due to incompetent slow people who don’t know what they are doing. And not to mention the pain it was to get a reply any time I had to send something in.

Our house buying experience with Rate mortgage has been a nightmare. Our loan officer Rick Hartle is so full of himself thinking he is the best thing his company has ever had. He has these fantasy conversations in his memory where he has said things that just were not said. I have used Tracy with Movement Mortgage three times and I have been very happy. When she told me she needed a signed lease on our Anacortes house, I asked Rick at Rate. He said he was not worried about it because it was going to be a wash with the rental income. Two and a half weeks out from closing he tells me he needs a signed lease for a year. A week and a half out he tells me he needs proof of a deposit and a signed lease. Today he says he never said the rent and mortgage was going to be a wash and that he has this conversation every day. That is the third or fourth time he has said that he has this conversation every day. He said he would get back to me shortly with an answer of what is required with a property manager. That was seven days ago and he never got back to me. That is not an isolated incident. He has several times failed to respond as he said he would. I have gone days leaving voicemails and emails asking for an answer and he just does not respond. What ever you do with a mortgage, absolutely do not use Rick Hartle and for me I will never again deal with Rate. I firmly regret not staying with Tracy at Movement Mortgage. She was honest and upfront about everything.

I had a disappointing experience with this lender during my VA IRRRL refinance. Throughout the process, I was told everything was on track, even after my rate lock had expired. Then, just one day before closing, I was informed that there would be an additional approximately $2,400 rate lock extension/holding fee that had never been clearly explained to me beforehand. Because this significant cost was disclosed at the last minute, I decided to cancel the refinance and work with another lender. My biggest concern was not the existence of the fee itself, but that I wasn't informed about it until the very end of the process, leaving me with almost no time to consider my options. If you're considering using this lender, I recommend asking detailed questions about your rate lock, whether extension fees could apply, and requesting that any potential costs be confirmed in writing as early as possible. Clear and timely communication is essential when refinancing, and unfortunately, that was not my experience.

the rate its very roll with customer ineed some body help me ineed control for company i fell she above alow