Shop Your Own MortgageReviews of syomortgage.com

Worthless. Contacted these guys to see if I was in a spot to move forward or not To get pre-qualified. Contacted by text message and worked with Brenda Gloriani. At first was getting all the info I needed. Was instructed on how to use their app to upload the documents they needed. I asked as many questions as I could, most of which were answered. But then I started hearing less from her. Was asking when will I hear something and was just being told ‘soon’. Was then told there was some kind of technical issue, after I sent all my info. That went on for like a week. Was told they were basically having to do it manually, whatever that meant. That went on for weeks. The whole thing was sloppy, especially for a newish company using an app. Not reassuring at all..I thought everything would be smooth, but maybe it was just my agent. I went online to their website to look at their staff page to see if Brenda was even a real person or just a text response bot, and it seemed like she was real, which made it even more disappointing because of the communication. I felt like an annoyance more than a client. In all, I ended up asking something like ‘how much longer?’ about a dozen times. After finally getting a snippy response text saying “Today!”, they quietly sent me an email and said nothing to me about it being sent. I looked it over after stumbling on it the next day and then contacted again about it and I never heard anything back. That was months ago. I decided to just let them go and try with someone else in a few more months. Nothing at all about them told me I should keep trying. Not like there aren’t 100 different companies doing the same thing. In total, I spent around a month of back and forth with SYOM, and only got a headache out of it. If you decide to try with this group, get them on the phone or meet in person if possible. At the very least, stay away from Brenda if you actually want to get something accomplished.

As a first-time home buyer, I had no idea what I was doing. Working with Shop Your Own Mortgage made the entire process so simple and easy. They were there to help me every step of the way! Best of all, they got me a super low rate! A lot of my friends are also in the market for their first homes and I’m recommending Shop Your Own Mortgage to all of them!

I am very sorry to hear about the horrible experiences some people have experienced. However, my experience was outstanding. I worked with Chris from the San Antonio branch and in all my years of buying and refinancing homes, he was the best I have ever worked with. I am a Veteran and did a VA rate reduction refinance, and start to finish, the whole process was less than 3 weeks. They kept me apprised of things along the way, and closed even sooner than we had originally expected. Could not have asked for better service.

ACTIVE DUTY AND VETERANS BEWARE: I have had the most horrible experience with this company. I first dealt with Jordan from the Costa Mesa Branch she dropped the ball NO CONTACT-KEPT STRINGING US ALONG. Than I called to complain and I was going to walk away at this time but spoke to a Garrick (with same branch) who claims to be the owner of the company and he ASSURED me that we would close on a date that came and went. He stated that UWM (united wholesale company) was the problem. Contacted this company and came to find out that it was them that had dropped the ball again. He mad promises after promises and since November of 2019 my husband and I have been strung along. My family and I have wasted 3 months giving this company a chance to come thru. PLEASE PLEASE PLEASE MILITARY STAY AWAY. I am contacting the better business bureau as well. DO NOT WASTE YOUR TIME they will even tell you not to pay your mortgage. Can you believe that. I have learned a lesson from this, trust your gut if it seems to good to be true....RUN.

BEWARE ALL NURSES AND THOSE HEALTHCARE PROFESSIONALS. If I could rate this company a 0 out of 5 I would. For starters, they rope you into fast pre-approval rating without doing due diligence and always available to communicate. Once you have established a contract in hand, then the communication is completely lacking (no return emails, texts, or callbacks). Furthermore, at that point they seem to START the validation process for you loan, even though they have assured you that you are approved and qualified. They continually assure you that your funds are secured, until you need to close and then you are told that they are not ready, further funds are needed. This company cost me my homestead, and further expenditures unforeseen. They are not what they claim to be. As of date (2/11/20), there has been zero communication extended forth to me. If indeed the information provided to you was incomplete or inaccurate as you say, the burden belies on YOU to communicate with me what was deficient. THAT NEVER OCCURRED WHILE YOU PRE APPROVED for 10 MONTHS my application before a contract was in hand. DUE DILIGENCE was NOT my responsibility- it was YOURS.

I recommend SYOM for your mortgage needs. I refinanced my existing ARM to a 15 yr. fixed loan. I got quotes from three lenders and SYOM offered the best interest rate / closing cost combination (they were very competitive). The closing cost came out to be slightly lower than what SYOM had estimated! It took about three or four iterations before SYOM correctly completed my loan application form. But they insured that the close of escrow happened before the deadline I had given them. It was a pleasure working with the SYOM team.

Overall, our experience was good. In the beginning, communication was very poor and we were hit by the fear of "We just gave all our financial information to someone we don't know and now they won't return our calls!" But, soon we were connected with a much more attentive rep that was great walking us through the process. We did have LOTS of hiccups of getting a notary out to do the signing, but don't think that was SYOM's issue. Overall, we would recommend.

Every aspect of this refinance was a mess. The communication was very poor. Documents were sent with mixed up information, the interest rates weren’t what was quoted, the appraisal company made an error, the title company never requested my funds for wire transfer, calls went unanswered. The service and company were abysmal. I will never do business with SYOM again, nor will I do business with an online Mortgage company. This experience left a stain on the business.