Trenton Beck Review of Spring Mortgage
Within minutes of entering a little info for a ref...
Within minutes of entering a little info for a refi I was contacted by a rep for this company via text and he seemed cordial and not pushy. Having just ended a relationship with a lender over numbers that changed on the eDocs vs. an email approximation of figures(substantial), I was ready to commit and had all docs ready to go. So this gentleman worked remotely in Montana and it was fitting because trying to get ahold of him was like sending a guide into the mountains with a telegram. He took our application over the phone, a good 35-40 minutes and within one week he sent easedocs for electronic signing. But, you guessed it, our cash back at closing went down 2000. So, i never signed them. I called, texted, and emailed over the course of the next 12 days without a reply. Then, he calls in a panic and he needs us to write a letter to underwriting explaining why we live further away from work than "they would like" and that the address on a W2 is different than where my wife worked(her company has 750 different offices worldwide). I say no problem and hey what about my easedocs and the cashback. O, what? He thinks he remembers seeing something but our last name is similar to another unfortunate customer of his(its BECK, do'n't have a stroke trying to keep it seperated from ???). So, he will look into it. So, we get him the required docs within 1 hour and he goes dark again for over 14 more days, i kid you not. He took soooo long making corrections the second time around and i now know why. He flopped some digits towards his side and then 3 days prior to telling us we were ready to sign, that we would need to increase our loan amount by 1500 to get the money we initially wanted. Fine, do it. So, 72 hours goes by and the Notary is coming and we still haven't seen any electronic docs to sign like all legit lenders do. This is how they treat someone with an 820 credit score who makes decent income and has never, ever missed a mortgage payment. Not even the additional one we had to make because it took 52 days to close. My recommendation is to find someone that doesn't sling mortgages out of a horse drawn buggy and use homing pigeons for communication. Unprofessional, sneaky(by all appearances) and the guy who's initials are B.S. is the biggest bullshrr of them all. I wouldn't rec them to anyone.
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