Hello, I'm Tyler Smith.

“Clear communication, timely communications, reviewing our documents when we submitted them rather coming in on the day of closing and saying underwriting is having issues, understanding the government's pay. I do not understand how a salesman, where their salary is extremely volatile based off of commissions can get a loan approved and a stable government employee who has shown consistent overtime and bonus numbers can not get approved when all you have to do is take a look at the base pay and subtract it from the total salary. The underwriter picked and chose what they wanted from our earnings to determine our DTI and had no sort of clear communication distributed back to us. I have clear receipts of what I paid for homeowners association dues and the Turbotax literally says to put hoa and condo fees under repair and maintenance. There was no communication as to what was a one time fee for my rental property vs. recurring. I should have been able to get this loan on my own without my wife which ended up costing us 0.126% more interest on the loan and an extra $150 a month in mortgage insurance. To top it all off, I finally submitted the magic paperwork that cleared us to close and it took the underwriter a week to process one piece of paper which pushed us past the 10 days to close (the sellers graciously gave us an extension) and pushed us past our rate lock window of 25 days. Then they had the audacity to put the rate lock extension fee on the closing disclosure to try and slide one past me to get more money. I don't know if the entire company is ran this way, but everyone I dealt with seriously needs to be audited to ensure they know how to do their job. I was approved for a 650k home loan purchase by myself through multiple companies and decided to go with the lowest interest rate over a more local trusted lender. I fully regret not going with another company because what I had to deal with over the past 2 and a half weeks has been nothing short of painful. The processor was even worse than the loan officer, she needs to be fired. It came out that she made a huge error on what she submitted to underwriting over what line the house price was on. I'm wondering if that was the major issue that caused our dti to be much higher than we expected. I plan on refinancing as soon as I can so I never have to deal with this company again, what a nightmare.”

“Fast response and lower fees. It would be nicer if the rate buy downs will be included in the initial closing disclosures rather than in the end. And if they are off on a specific day especially on closing day, it would be nice to know or send a message redirecting me to the coordinator rather than no reply.”