Nations Direct Mortgage Reviews

I am writing to address a significant concern regarding the recent disbursement of funds from my escrow account. On August 29, 2023, a payment of $4,356.91 was made to my local county from my mortgage account. However, there is a critical discrepancy that needs immediate attention. A letter was sent to the company on July 31, 2023, notifying them that my husband is exempt from property taxes due to his 100% disabled veteran status. This exemption should have been recognized, and no taxes should have been withdrawn from our escrow account. We have made numerous attempts to rectify this situation by contacting their customer service department daily. Regrettably, we have received conflicting information regarding the resolution process. Initially, we were informed that a refund check would be issued within a week. However, we have since been told that we must maintain a balance of $5,500 in our escrow account to receive a refund. It is essential to emphasize that withholding funds from our escrow account is both concerning and unlawful. Illinois state laws clearly outline the exemption status for disabled veterans, which should have been acknowledged and respected by Nations Direct Mortgage. We request immediate attention to this matter. It is of utmost importance that the incorrect disbursement of funds be corrected promptly, any withheld amounts returned to our escrow account, and a check written to us for the amount. We also seek clarification on the conflicting information regarding the escrow balance requirements.

I wish my loan was not with them!! Horrible people!!!!! They make you go through a million loops knowing they are going to reject everything!!!!

The worse experience I have ever had!!!!!! No one answers calls, all voicemail boxes are full. No one follows up with files, everyone moves positions and no one knows whats going on with the file. AWFUL!!!! I hope my broker never uses this company again!!

Got behind on the payments filed for hardship instead of lowering my payments they raised them. Not happy with the company. My job has cut my hours since January. But they refused to work with me. Don't go through them.

Unprofessional and rude customer service. If you are trying to reach a real person do not input you loan number or phone number just wait until it automatically transfers you. They use the information you input at the beginning of the phone call to determine what department to transfer you to. I imagine if your account was past due they would use this to transfer you to collections automatically. Representative with initials DCR (refused to provide ID number) tried to rush me off of the phone and was condescending throughout. Generally a negative experience.

DON T USE THIS COMPANY!!! I hate to give bad news but I don t want this to happen to anyone else. The worst experience ever. Sent them documents time and time again. The closing documents were incorrect 4 times. Charged us for things that were already paid for:( closing date was pushed almost 30 days late. Then when we actually started closing at 3pm it took 3 hours for them to get it correct.

HORRIBLE company!! There isn't enough space for me to even start telling you all the bad things about this company. Find me on FB and I'll gladly tell you and I have documents to prove how crooked they are.

I do not like doing business with them trying to refinance just to get a new mortgage company.

I have been working with Motive Lending for several years now, from being a loan originator myself to becoming a Mortgage Broker/ Company owner. It is all too often that it was the incompetence of the loan officer a customer may have been working with vs. the lender itself. In my industry, its common to try and throw someone else under the bus when it was likely the oversight, or incompetence of the loan originator. Motive lending gets it done for our clients and always has. Often, when others banks said no, Motive Lending makes the possibility of home ownership available to many that would otherwise not qualify. Always within a pretty swift turn time from start to finish. I trust my business and the business of my clients to them wholeheartedly,

Tuan Tu at Nations Direct Mortgage made the process of refinancing unbelievable painless and easy! Never have I had such a quick process involved in a loan or refinancing and Tuan made it so effortless on my part. He kept to his word, would call or email after hours if I had questions about the loan or process, and was incredibly knowledgeable! He was very personable and never seemed bothered with my questions nor the fact that I was taking up more of his time. He never rushed me off the phone or made me feel like he was too busy which I find rare in this business. I would recommend Tuan Tu and Nations Direct Mortgage to anyone looking to refinance or to find a mortgage lender and if I could give more than 5 stars I would! :) I highly recommend Tuan, his company, and his team!

I would like to share my experience with Nations Direct Mortgage company. When I lost hope with other lending companies that gave me the run around with no results. Tuan Tu of Nations Direct Mortgage gave me hope he took his time and reviewed my loan and provided me with better rates and great service. Tuan and Cassie did a great job . Contact Tuan Tu he will go the extra mile to make sure your needs are met..... Thanks again Pearl F

Our wholesale team is phenomenal! They've helped us pull off some mortgage miracles and we've gotten a number of 5 star lendingtree reviews as a result. Underwriting usually takes 24 hours or less and conditions are cleared in a matter of hours. Our target market is in the low 600s and Motive makes these loans easy, often closing our FHA loans in less than 30 calendar days! The underwriting team is responsive and always available, our account manager quickly resolves any issues, and the closers make things easy for our title companies and borrowers. Motive has earned our pipeline and deserves yours. Thank you!

Nations Direct is a true full-service lender dedicated to the business of their mortgage broker partners. Rated a true partner by BRAWL for a reason. Sales team is communicative and easily accessible to figure out the most complicated of borrower scenarios, operations team has some of the quickest turn times in the industry and works well outside of normal business hours to get important tasks completed on time. Competitive rates are augmented by frequent price incentives for returning broker partners. Wide range of products with limited overlays.
Overall, would highly recommend Nations Direct to any mortgage broker seeking a true lender partner to aid their business operations.

BEWARE!!! DO NOT USE THIS TRASH COMPANY!!! They simply do not care about the customer or any other business professional involved in the process. They completely botched my appraisal process to the point where I had to personally pay $100 out of pocket for an expedited appraisal just to try to get the deal done in time. Motive you owe me $100. Also their "team managers" are a joke, unprofessional, incompetent, and terrible communicators. The mortgage broker that I am using had to call their vice president after a week of ignored calls and emails just to get a response on the progress of the mortgage. All in all this is just another greedy bank trying to prey on American home buyers. They should be embarrassed of themselves.

Not many lenders could get you into a home with a not so perfect credit score and a high DTI especially during a pandemic... but nations did it, and in record time! They were responsive, courteous and really do care about their clients. Thank you guys for making our dream of home ownership come true even in these troubling times <3

The customer service for the insurance department is terrible. I was more than an hour on a waiting call. I'm still waiting now while i'm writing this review. This is not the first time, ALWAYS is like this. Also the people working there are idiots. Really unprofessional.

I can't speak on the whole of the company, but I can speak on Tuan Tu. We were on a time crunch with being in our new home, selling our current home, and refinancing an investment property. With Tuan's patience and drive we were able to close on the new purchase in 18 days. I was a handful to work with and he handled it well. I see the bad reviews but I guess it really depends on who you work with. Thanks to Tuan and his team for getting us closed on time.

Longest wait time when calling for assistance. Hold music/voice is awful. Poor website. To get an answer you have to call separate phone numbers vs. transfer.

The absolute worst lender you can have. The 1-star reviews are right!

I just closed on my house with this lender. With a great experience! Got a 3.25% rate and we closed on our first home in 11 days! I always thought this was a 30-45 day process. Can t wait to move in and enjoy. I wound recommend Nations direct to all my friends. Best service! Fast!

The most incompetent and unprepared operation I have ever dealt with. They were completely unable to provide a comprehensive list of documents required and kept asking for more and more. They had typos in the requests they sent the IRS, could not get a deal done in 6 weeks.

If they do they are hoping to be in the mortgage business for a living, it will probably not work out for them. They should get another gig, maybe flipping burgers...

If I could give this company zero stars I would. They are 100% unprofessional. There is not good communication with this company they tell you one thing one day and then the next day it s different and then they ask for things that are almost nearly impossible to do and that cost a lot of money and then tell you to go get something else done which defeats the purpose of getting the first thing done. DO NOT USE THIS COMPANY! If you do you ll probably regret it when you lose the house that you really want.

If you're looking for a group of uneducated, unprofessional mortgage loan underwriters that don't know how to push paper, this is the place for you. They DO NOT know how to process paperwork to finance a construction loan to a mortgage loan whatsoever. DO NOT bother giving them information since they can't seem to keep track of it.

If I could give less than one star to Motive Lending I would. Motive Lendind has caused nothing but stress and anxiety to my self and the buyer of my condo. I am selling my condo FSBO. I have agreed to pay the non reacuuring closing costs. The buyer of my condo is using Motive lending. Motive lending locked the buyers interest rate at 3.65% with no points. I feel as though Motive Lending has done a "bate and switch", because on the day we were supposed to close they sent the closing disclosure with a charge of 1.83 points (since this is a non reacuuring closing cost I would have to pay the points) , as well as incorrect funds required by the buyer to close. They were informed of this mistake immediately and today, 2weeks later they finally sent new closing disclosures with no correction to their egregious errors. BTW, I am also in escrow on a house. The proceeds from the sale of my condo are to be used for the down payment on my house. As a result of their errors, and slow response to make corrections I have now incurred additional fees to extend the rate lock on the purchase of my house. I am deeply disappointed with the complete incompetence displayed on the part of Motive Lending and their associates. As it stands now if they don't make these corrections, between my rate lock extension and the 1.83 Points I will incurr additional costs of around $5700. We still have yet to complete this transaction so I can't say they won't right their wrongs. However, I would still warn any consumer, If you are thinking of using Motive Lending RUN THE OTHER WAY!!!

RUN GET OUT!THIS PLACE IS TERRIBLE VERY UNPROFESSIONAL.

Ask for Tuan Tu for the Best of the Best !!!

He was very helpful and made my refinancing stress free, which was my worst fear when Refinancing. I am a busy mother who works over 40 hours a week. Not to much on my end that i had to do. Everything that was told to me from the star was the truth 100% to the end.
THANK YOU Tuan Tu!!! He is as good as its gets!!!

Pathetic. They kept lowering my loan amount and raising my closing costs right up to closing. We walked away. These people are loan predators.

Have been in the business for 8 years now and motive has been by far the best lender I've had the pleasure to work with. Thank you

Terrible People unprofessional they don't help and very Sketchy. The worst mortgage you can deal with.

You know i sometimes have problems with my Mortgage company not being direct or at least sharing information. just went through a troubling conversation with nations direct, kind of confusing. i guess what i'm trying to say the whole situation left me wondering is there a better mortgage company out there for me then nations direct.

Switched accounts for my personal banking. Spoke to the CSR's at NDM 3 times so far to explain the delay in getting my electronic ACH payments set up again and not one of them actually documented my call or understood what I said. Continual phone calls all day long at work interrupting my day after the issue had already been resolved. Never the same person. No one followed through with updating the account. SUPER frustrating and made me very concerned with the lack of organization. No options for weekly payments and fast pay offs like other mortgage companies. No actual website for information unless you log in as a customer. Poor e-presence. This is my 4th house, and first time I have felt so disconnected from my lender. Definitely no personal service. Unfortunate.

These ppl are a joke... VERY RUDE CUSTOMER SERVICE NEVER ORGANIZED. They will send you papers of waiving fees then say they have no knowledge of it like you just pulled it out of hat when it was mailed and typed by them but they never know anything.. SAD COMPANY TO DEAL WITH .. Always have to call to make sure my insurance is mailed out and payed because they always behind what s the use of a escrow if I have to do the work smh

Got laughed at when I said I wasn't interested after receiving an unsolicited sales call

Do NOT use this company. Scammed my escrow account at closing and refused to refund the funds due. Horrible customer service and record keeping.

Call the house. Rarely state who they are. But because I recognize the number.because I am aware of who they are. There is even a recording that begins with a partial call back number which asks to return the call. They will call several times a day and sometimes on Sunday. Under the National Fair Debt Collection Act is illegal, (and those who feel there is an issue should read the Act).

I had the worst experience with rude CSR, because she didn t get her way. I will be reporting her and the company to the better bureau and also report it to call to action on the local news

Had Nathan Nguy from nations direct call me a year ago but I wasn t interested. He called me back a couple of weeks ago and what he offered made sense for my situation now. We went through the steps and we just closed. Thank you so much Nathan and nations direct. Would definitely recommend them.

I am the listing Realtor and the buyer was using this company. This company is completely unethical if not unlawful. After talking with legitimate lenders - they all said this lender was legally required to close the loan for their buyer. But they refused - they kept throwing unnecessary conditions to the buyer. The result is the buyer is homeless - the seller who was told we had the OK to close and quit their job to move to another state is now in financial hardship. This wasn't a million dollar deal - this was a regular deal with real regular folks who depend on companies following the law. If you are a buyer - DO NOT USE THIS COMPANY - if you are a Realtor - DO NOT ACCEPT AN OFFER FROM A BUYER USING THIS COMPANY! They have ruined the lives of 2 parties with no consideration. I am really not sure how they can sleep at night operating this way and I will be completely surprised if the buyer doesn't take legal action.

This is the most unprofessional company I've ever dealt with. Eric associate ID ELZ which was probably a lie was one of the rudest suppose to be customer service representative I've had to deal with. Not only will I be reporting this unprofessional company but I will make it known by the news as well beware of these people they need to be SHUT DOWN

I HAD to give one star in order to review, but these people are terrible! It's amateur hour! I sent in a payment to them, and when they sent it to the mortgage holder, they didn't endorse it properly. So my account was not credited, no one knew where the check was. It's been a fiasco to try to fix. Which I'VE had to do! Even though I did my part as the consumer; I paid my mortgage! Terrible...

Horrible horrible horrible experience with this company. I ve had plenty of mortgages but never one that could be so mis managed. They are top of the line garbage company. Stay away!

Horrible lender. Literally one of the worst lenders I have ever dealt with in 18 years of lending. We have an account rep that disappears and our inside person has a phone number that has been disconnected. Let our borrower show up to a closing and nobody communicated to us that it wasnt happening until we called them for 7th time day of closing.

I would not recommend them under any circumstance. I have written two books on mortgages on Amazon and I can assure you they will get blasted an example of what not to do as a mortgage lender.

I wish I could give them negative stars thats how bad these people are at their job. They dont even deserve a positive reveiw allowance

They are the absolute worse! Never return calls, not helpful, does not care about their clients, again the absolute worse!!!!

If zero stars was an option I would choose it!!!! If you're a first time homebuyer, DON'T COME HERE! If you wanted to be guided and have all the paperwork explained to you DON'T COME HERE!
If you want to get a yelled at and told, "I WISH I NEVER TOOK THIS FILE!! I SHOULD HAVE NEVER HELPED YOU!!" Then this is the place for you! If you want to get harassed about getting paperwork back to them when it's only been 20 minutes and you're at work and they know it! Then come on downnnn!!!
It all started April 7th of 2017 when I called Scott Lee and asked for information on buying a house and what we needed to do! Meanwhile we were about to be moving into a rental cause we were just inquiring on what we should prepare for when we want to buy. Well!!! When talking to Scott he can talk so fast you don't even know what he's saying! Next thing you he asks about our credit scores. I told him they weren't the greatest but, we will get them higher by next year. He ran our credit right there over the phone and said, "I've handled worse." So, after hearing those words I got so excited cause he then asked if we wanted to go look at house the following day!! I was over joyed cause I didn't think it would be possible!! Welllllll don't believe them when they say they've handled worse!! June 23rd was our original closing date for this house we fell in love with! We put our earnest money down and paid for our appraisal! Every single time we got closer to closing there was one more thing they needed! Literally everytime!!! Whether it was more money we needed or more paperwork we needed! Finally got to sitting down at the closing table with the seller and their relator; ours didnt come cause the guy Scott recommended got fired from Remax. While sitting from 2:30 pm to 6:30 pm waiting and wondering why we havent closed NO HAS ANSWERS!! We couldn't get a hold of the lenders (Nations Direct), we seriously didn't get an answer from anyone over there! And Nations Direct is in California so, they are 3 hours behind!!! So, FINALLY they decide to tell us that our debt to income ratio needs to be changed. So, Scott said he just needed to change some details with our homeowners insurance. The sellers relator, title company, and the sellers got first hand of how unprofessional Scott was when we were all sitting at the closing table. He was screaming at my husband over the phone when my husband wasn't yelling!! They could hear him from across the table! And they all said that they have never heard someone so rude and degrading in this type of business!! Wellll it still wasn't over!! They then said we need to pay off $1500 in credit cards!! Or put $3300 more into our account!!!! Well we did what he said and paid the credit cards down and guess what?!?!? They said our credit score wasn't high enough like it was gonna change over night!! WHY WOULD A PROFESSIONAL MORTGAGE BROKER ALLOW US TO GO THROUGH WITH THIS PROCESS IF WE NEVER WERE GOING TO BE ACCEPTED IN THE FIRST PLACE?!?! totally uncalled for!! We got our denial letter from the lenders...guess what??? It was our credit scores that were dated from April 7th!! So, both parties were aware of our credit scores from the get go!! We don't deny that our scores were low but, would you pass up an offer of someone telling you that buying a house is possible?? Well now we are back to square one and need to find a rental!! We had April all the way through August wasted!!! and just so you know whenever something goes wrong in the process Scott makes it seem like it's your fault! He never owns up to anything! The best part was when we called Remax to get our earnest money back and they had no idea that the deal wasn't going through cause Scott never told them!! It was a week after we were suppose to close! Communication sucks on that end!! Both company's are crooked!

Great customer service. Closed on time. Their receptionist is so nice. She gave me detailed directions on what to do. The technology helped make the process easy.
I really liked dealing with them for my refinance. It was really fast and I got $50k for a new pool.

My wife Louisenette Mesinord has a mortgage with them, we call to make the payment on the 6th of October, we gave them the correct account number so they wait Until the 17th to tell me I have a pass due account, some how they took it wrong I try tell customer services that they the one that make the mistake, they were rude to me and they told me to call my bank,I went to the branch, the money was there. They still charge late charg. They have bad customer service

I fell on hard times and I was in contact with them and provided all the documents needed and also email to let me know as soon as possible if there were anything missing so I could get it to them. Everytime I called which was once a week each time I was told I need documents and a few times it was the same ones i had provided. I was able to get all the money i needed to be current on my payments. About a week later i get a package in the mail saying my hardship was denied due to lack of documents. The best part the paperwork was dated for the 4th of Feb but yet somehow it was posted dated for the 11th of Feb. Meaning they said it was sent the 4th when really it was sent the 11th. This company is trash and their customer service is worst than trash. Avoid this lender at all cost. I will also be reporting them to the Veterans Affairs.

I have been calling this mortgage company since Jan 9 regarding my payment because I m part of the government shut down mind you I make extra payments and I m current on my payment supposedly they would email me the paperwork for a forbearance on my loan for this month. I have called 4 different times since the 9th they all said the same thing that the paperwork will be email well today is the 17 th and nothing but what I did get is a call from their collections department wow !
I called back and I get this lady on the phone smacking throughout the call I explain the situation to her she didn t care the only thing she could say to me was that she put in the request again for the 6th time regarding the forbearance but never mind what I just explain to her about being part of the government shut down her question to me was when can I make the payment wow this mortgage company suck A..... they don t have any type of customer service and their staff needs training in sensitivity!!!dont use this mortgage company!

Worst home selling experience we have EVER had! We have been strung along for almost a month past closing and every time something has to go back into underwriting it takes almost a week to get a response. Now we are down to the end and they still haven't submitted the Closing Disclosure, so once it's finally all approved we will still have to wait three more days before we can actually close. I will never do business with this company again!

Very bad loan servicing service. Always slow to answer calls, and when they do answer nobody knows anything or how to help you. When we refinanced our loan they were not supposed to charge us for 1 month and they did anyways. When we looked for information about COVID they submitted and application for this even though we called and told them like 20 times we didn t want it. This whole time it has been a mess with them, thank goodness we switched lenders.