We are in a strange situation, where we can afford a house but are unable to get credit due to being self employed. We spoke to Pam Hynes - Pam went above and beyond in helping us find the right people to get us into our dream home. She is professional, kind, clearly knows her stuff and treats you like a real person - which we are finding is a really important part of this journey. We can't thank you enough. read more

Haily McMillion was unresponsive to text, or emails had to get a second mortgage someplace else. Lost three homes playing games. Now I have a loan in hand and when the next house I like pops up I do not have to wait on anyone. read more

The reason I don't know because I didn't complete the process and I didn't do more research so I'm working on that now so maybe in the future I will be able to give My sincere opinion so I don't know if they're good or bad but my experience it was very informative. They educated me along the way, but I didn't complete the process so I'm working on getting my financial situation better, so I will not be House poor Other than that my experience was good read more

This company is a sham. I worked with them for an extended period of time giving them access to all of my personal information through their portal. All of a sudden all my uploaded documents disappeared and when asked; they assured me it was there and the documents were safe, so, I guess I can't trust my own eyes! After so many red flags I decided to stop corresponding and no longer deal with them because, each document I sent in was insufficient and after seeing I was African American (via photo copy sent to them) the situation became more difficult to navigate. I asked for a refund of the initoal payment of $300 for their underwriting services and was told I couldn't get the money back while in underwriting unless I was denied a loan. But, they said they will be happy to close out my application , take my money, and bid me best wishes. They did absolutely NOTHING for me but gather documents, lost documents, and deny being a terrible support on my home buying venture. I would never recommend this company to anyone else and those that I did reccomend decided to go elsewhere because the company seemed shady from the start. I am no longer going to outside companies to do business with and stick to the banks, because they can be held to a higher standard and accountability. Disheartened Customer read more

Save yourself some time and look elsewhere for a mortgage. I should have left Compass as soon as the red flags started popping up. They raised my interest rate even though we had initiated a rate lock because they "accidentally picked the wrong rate program". I believe they did this to cover themselves, because at that time interest rates were rising. What's the point of a rate lock if they can break it at their discretion? Also Compass delayed closing 3 or 4 times, asking for documents they could have asked for way before the closing date was nearing! The loan officer was extremely nice and professional but I sense that Compass Mortgage is just a poorly run company. Save yourself some time and excessive fees and go with a different mortgage company! read more

Excellent experience! Zac Henderson and Todd Stevens were so helpful & responsive! They took the time to help me make informed financial decisions without getting myself in over my head. I feel like I'm walking into my new home with confidence & flexibility instead of feeling anxious or stressed. Thank you Zac & team!!! read more

I wouldn't use them again or recommend them. I used them when purchasing a property last year. Compass supposedly did their research to make sure everything about the building was in order to get the loan approved. I should have seen the signs right off the bat. The place is almost 200 sqft smaller than advertised and I let them know that at the beginning so that they could take that into consideration when calculating price per sq ft. They never did anything with that info. Secondly, when they did their market comparison to get the asking price approved they used properties in a different area with a considerably higher property value instead of the tons of comparable units sold in the last couple months on the same street/ in the same area. Once the closing was completed and I started working on the new place, I learned that the building has no money in reserves, and no association in place. Two major things that would need to be in place for loan approval. How they were able to sneak it through and get it approved, I don't know. That will definitely put a damper on any quick flip plans I had so now I'll have to focus on renting the place out which may still work in the longrun but not what I was originally planning. Next time I purchase I'll look elsewhere for my mortgage needs. read more

Sean Drendel was top notch throughout the entire process. He assisted from start to finish. He communicated the entire way and I feel that he went way above and beyond the call of duty versus a typical mortgage lending process. I can't say enough good things about Sean and his team. Despite experiencing some snags outside of Sean's control, Sean and his team worked tirelessly to ensure the entire process was smooth. Thank you to Sean and his team for the upstanding job that they did! read more

You'd be hard-pressed to find anyone more enthusiastic about the world of mortgages than John Kambs. I can listen to anybody talk as long as they're passionate about their subject, and he really is. But he's also really well-informed and gives great advice. For example, I was ready to pay out a 20% down payment to avoid PMI. I mentioned my nervousness at clearing out such a significant portion of my savings and he asked me why I was going to do that. I explained I was trying to avoid the PMI and make a lower monthly payment, and he pointed out all the flaws with the plan. At first I was suspicious, because it seemed every place said put down 20%. But he was right! When I explained what I learned to someone who had bought a couple of homes in their day, they were initially incredulous. After sharing what John explained and a couple of documents he sent to follow up with, they were convinced. John pointed out how common it was for people to lay out 20% and 1.) Pay attention strictly to the mortgage rates and the down payment while ignoring closing costs and long-term savings, and 2.) leave themselves without enough for an emergency or household repair. I could put down 5% or 10% and have a lot more left for emergencies or renovations. Further, I could pay my mortgage out of that savings and put more of my paycheck into stock and 401K rather than put down nearly my whole savings and use every paycheck to cover the mortgage while skimping on what I could be saving for retirement. I left our meeting feeling better about the whole process. I was more confident and felt supported and better informed thanks to John taking the time to educate me. Additionally, Lisa on John's team was super helpful and responsive. She was also very kind during my wack-a-doodle process read more

Serious/costly Issue with recording title change after refinance as promised. My partner and I started a refinance process with Compass last September 2020 and closed on December 7, 2020.  Per the initial emails with our loan officer it was clearly established from the start that we would 1. refinance (15 yr fixed), 2. pay down the mortgage by about $185K (my money), and 3. change title from Sole Ownership (my partner) to Joint Tenancy (both of us) at closing. It has been 5 weeks since we closed and the title change etc. has not been recorded with Garfield County, Colorado. The loan officer said it should have been done on or the day after disbursement  (12/11/2020). Despite repeated requests, our Compass loan officer has provided little help on this issue except general contact info for the title company and the name of an escrow officer who no longer works there. So I have spent the last week making numerous phone calls and sending many emails to try and figure out the status. The County states they have not received any documents and First American has provided no information at all. There are no records indicating if, how, and when the documents were submitted to Garfield County, Colorado for recording. This is an excerpt "[  ]" from the initial email from Compass in response to my inquiry to refinance when I stated what we wanted to accomplish: [Happy to help and we can certainly accomplish everything noted below. We can do a 15 year fixed rate at 2.375% and total closing costs are $2,549 for everything associated with the refinance. You can set the new loan amount to anything you choose so $130k - $150k is great. At closing we can change the ownership to both of you jointly] This was a clear and concise commitment/contract from Compass to make sure the process was completed including proper recording of title documents but this has not been accomplished and worse yet, no information whatsoever has been provided so we have no idea if/when/how the title documents will be properly recorded.  This response is why I chose Compass over other companies since it clearly and directly addressed my needs. There appears to be no tracking system in place and for all we know, in the absence of any other information, the documents were lost and no plan exists to make sure they are properly recorded.  That leaves us in a state of legal and financial limbo as I have paid down the refinanced mortgage (by about $185k) and have signed on to the new mortgage loan documents ($144k) for a house/property that I do not own based on County Records.   I have exhausted all attempts for assistance from the loan officer so I am looking for assistance from the Compass Management Team to immediately address this issue. read more

Compass mortgage is a mortgage company that I will never do business with any more. I will never recommand them to any one. They do not care about customers. They delayed in processing my refinance and I missed the lock date for the rate. Now I have to pay points to extend even if it is their fault. They did appraisal before they approve the loan and now I have to pay for appraisal and paid $300 processing fee. Then they disqualifying my loan application. Right now I do not know what is the situation of my loan application. It almost 4 months since I contacted them. They charge the customer money and fees then they do not approve the loan. I can not get in touch with the loan officer. I would give them No stare but I was forced to select one. read more

We worked with Jim Galas with Compass Mortgage and I have to say I'm so thankful that we did. My husband and I are two Army veterans. I was a little worried that not working with military company it would be stressful. We were also in another state while doing this process so you would think it would be stressful however it was actually the opposite. Jim updated us from start to finish. There was never a time that we were left not knowing the next steps. We also loved that he was straight forward never sugar coated to make us feel good but gave us the facts in helping us close on our home. Thank you Jim Galas and Compass mortgage for going above and beyond our expectations!!!! If I could give 10 stars I would 5 just isn't enough for all their hard work and dedication they did for our family. Thank you. Zechariah and Monica Thomas read more

Zac Henderson has been a true asset for my refinancing process. In fact, if Zac was not looking out for me and keeping me aware of my mortgage particulars, I would not be in the amazing position I am in now. Zac alerted me to value change in my property and then outlined MANY different options for me to take depending on my desired outcomes. At this point, with Zac's guidance and advice I have been able to achieve my "5 year goals" in a 6 week process. Through the process, Zac has answered every questions with quick responses and has calmly and clearly explained the "what, whys, and hows" of this process. I feel as though a member of my family has been looking out for me and helping me all along the way. I highly recommend Zac and the Compass Mortgage team to any one who is looking for long term great service. read more

I worked with Matt Moore from Compass Mortgage and couldn't have been happier. Matt was attentive, compassionate and a true professional as we worked with him to navigate the purchase of our home. I highly recommend him and Compass Mortgage to help you with the purchase of a home. read more

It will be awhile until we go through the process of buying a new home, but I wanted to review how things have gone with Compass Mortgage so far: We were referred to Zac Henderson by our realtor. I gave Zac a call, and I made a few things clear: 1) We have no intention of buying until our current home has sold. 2) We would like to know what we can afford, but we are not ready to go through the pre-approval process for a few reasons. 3) We would like to know how much we will need for a down payment and closing costs. Zac has been happy to answer any questions I asked, even when I was just confused and overwhelmed looking at all of those numbers. His e-mail replies were lightning quick. I did not want to waste anyone's time, but he was more than willing to prepare some documents for us so we could visually see what we would need at closing and better assess what we can afford. He explained everything clearly. After I told him that we would NOT be spending the [$$$$insert several hundred thousand dollars here$$$$] that he used as a potential purchase price, he re-figured everything and explained how it would work out both in an FHA and Conventional Loan situation. I was encouraged to give him a call at any time. I'll admit that I did get a number of voicemail messages from Zac, some of which are messages I never returned. Like I said, he's really on top of things, but I wasn't ever in a hurry to call back since we are not in a position to look for a new home yet. If you want to work with a lender who is professional, courteous, and will respond quickly, I'd highly recommend working with Zac. read more

Worst Loan Experience I ever had. Fool me once shame on you. Fool me twice shame on me. I'm a Real estate investor in the chicago area, and went to Jay mayor at Compass at the advice of my real estate agent. I've purchase 3 multifamily properties in the past year post recession and have never gone through more delayed closings, wasted time, and added appraisal costs ever. The first property I used with compass took six months to close, because mid way through the transaction, Compass's recommended bank decided to send us to another lender and start the entire Loan process over, from scratch. Now a building I'm looking to buy personally has been delayed 2-weeks and the seller has threaten to walk, because every five minutes Compass comes up with another document they need. Now I can let all that slide. Because in the end, the broker is just doing there job. But If i question you for wanting another document and why its even necessary, and you tell me to go "call you congressman", why dont you just say what you mean? You basically want me to go pound sand and eat it. This is why working with private small banks are better than dealing with these mortgage brokers. They dont care about you. They just want there comission and move on. As far as they're concerned they are doing you a favor. Needless to say, I wont be using compass mortgage for any of my acquisitions in the future. They are unprofessional, unorganized, and don't give a crap about you. read more

If you are looking for a smooth closing with no paperwork hassles - choose a different lender! Took 65 days to close a loan & put both sellers & buyers thru the wringer in the process. Not sure it was the loan officers fault directly but the staff dropped the ball on this loan. Verifying income 10 days before close? Hello! That should be the 1st thing done. Being a good loan officer comes from having a good staff with the same objective. This unfortunately is not the company to offer that. I'm suggesting you do your self a favor & choose a different lender! read more

Last summer we decided to try to buy a home and get out of the god-awful world of renting. Not exactly sure where to start, my fiance received a great recommendation to speak with Spencer Garrett at Compass Mortgage. From the beginning, Spencer went above and beyond doing whatever it took to get us started. He guided us expertly through all of the documents we needed in order to begin the mortgage pre-approval process. While it took a bit of time on our end, Spencer was patient and his responses to our emails and any concerns we had were lightning fast. Being potential first-time homebuyers, we obviously knew nothing about buying a house. Spencer covered all of the basics, and then some, giving us confidence that we were more than qualified to obtain a mortgage, despite each of us having credit issues. When he ran our credit, we learned that each of our scores were 70-100 points higher than what Credit Karma states, which was an awesome surprise. Spencer also explained the difference between a conventional and FHA loan, and due to our circumstances stated that we'd be better off going to FHA route. However, that severely limited our options in our desired neighborhood, but we did manage to find a few townhomes where we would be able to put in an offer. After providing him with all of the necessary paperwork, we were quoted an initial amount much higher than we required- about $250K for a mortgage. We were looking at townhomes in the $140-$170K range so clearly the $250K was a bit much. After finding the first home we were interested in, Spencer adjusted the amount to $160K. Long story short, after months of looking at over fifty properties, submitting offers on three different homes (and losing each one due to investors snatching them up for cash-bastards!), we had run out of time and were forced to begin looking for a place to rent again. It was heartbreaking and frustrating. We contacted Spencer and explained the situation, and he was sympathetic and wished us the best. We told him that if (and that's a big IF) and when we're ready to try again, we would be in contact with him again, no doubt. I highly recommend Spencer Garrett at Compass Mortgage. His professionalism speaks volumes, and working with him was comfortable and easy. Not once did we feel belittled, pressured, or overwhelmed. Despite the negative outcome (obviously not his fault), I cannot praise him enough for all that he did. read more

We enjoyed working with the team at Compass Mortgage. Everything went smooth. We were needing to sell our home and buy another home everything turned to our favor we were able to close on both. I would refer and recommend Compass Mortgage if you're looking to refinance or buy a home we had no worries with Compass Mortgage they made everything simple and worry less. For that, I say Thank You Team!!! read more

When it comes to finding the right place to get a mortgage, it's probably tempting to go to your bank and secure it through them. Having experienced both using a big bank for a mortgage and Compass, I can vouch for the value of the experience in working with Compass Mortgage. The standout difference is accessibility. With a smaller team of mortgage brokers, they took greater personal investment in the process of securing our mortgage, but also support and guidance during the life of the mortgage as well. At every level, the people we communicated and worked with were friendly, helpful, and supportive. They also have a presence in the community, as many of the people who work for Compass live in the areas they serve. Compass has top to bottom investment that we just did not experience with a mortgage through a large bank. In all, getting a mortgage is probably as intimidating as it is exciting, so I would absolutely recommend using Compass the next time you have that need. read more

We have used Compass several times now, once on the original purchase of our house, and again on a refinance. We worked with Marlene Deck out of the Warrenville office. Marlene is very organized and professional. She makes sure that the t's are crossed and the i's dotted. When we first tried to refinance, our house did not appraise primarily due to a lack of comps in our area. Marlene walked us through several options, but luckily about 6 months later there were some new comps available and she was able to expedite our application and reuse most of what had been done before and the house appraised. We were able to convert our remaining 27 years in to a 15 year mortgage with a great rate. I highly recommend Marlene and Compass. read more

My husband Matthew and I worked with Mike Ferrell...and I couldn't be happier. Mike was there for us in the beginning, middle, after hours, and end. Now we own our first condo and only had to put $1400 down (what?!?)! Mike was amazing at being straightforward with us while gently explaining everything along the way because we were first timers. He was always quick to reply and stand up for our confidentiality when nosy attorneys and realtors came around. He totally understands the system and was able to make our home purchase possible when so many others said it wasn't! As for the rest of Compass Mortgage, the underwriters and the few other people we briefly spoke with were full of knowledge, attentiveness, and...well they were great. I've already recommended Compass Mortgage to others and I intend to continue! read more

Acquiring a mortgage is an awful experience. Compass makes it easier. Every time I've purchased a home or refinanced my current home I've marveled at the stupidity of the process. The inherent delays, the duplication of effort, the absurdity of paying a bank thousands of dollars for the privilege of paying them hundreds of thousands of dollars in interest. I hate it. Compass reduces the nonsense. Their prices have always been competitive and they make everything as efficient as it can be within the current system. I don't recommend anyone buy a house, but if you absolutely must, have Compass put together your mortgage. read more

Our mortgage banker, Keith Caunter, came on a recommendation from a friend. I am so glad to have gone with him through the process of selling and buying our townhouse and new home, respectively. He was super responsive to both phone calls and emails any day of the week, and when the loan processor went MIA a few days before our closing (due to an untimely holiday holiday weekend and a subsequent sick day) he was available to push for our clear to close and make sure that everything happened as planned. Our home purchase took 45 days from contract offer to closing, with a switch in plans midway through...we were originally going to rent out or townhouse and get a second FHA mortgage to buy the new house, but we ended up with an offer to sell the townhouse and went with conventional financing on the purchase instead. Keith was great through the entire process, start to finish. He was very informative throughout the whole 45 days of what to expect and how to circumvent problems before they even became an issue. I hope I can pass along referrals to him! read more

Zac was very helpful, and very attentive. His responses were on time, and on point. We were put in touch by our realtor, and he knows I'm a pain. I've bought a half dozen houses since 1995, and I've seen how awful the process can be. For his part, Zac made it easy. He provided electronic methods to submit paperwork, along with a checklist of what was needed, and what had been provided. He also gave us some insider information on how mortgage servicers work, to save us money on fess and the loan. Finally, he followed up with us after the close, to make sure everything was going well. I also have an investment property, in the city, that I rent out. Zac did a whole bunch of research, and dealt with me on MY hours, even though they were a little late for him. His information saved me hours of wasted time on calls with the banks. Turns out, the advice he gave me was to deal with the existing servicer - which means he won't get a penny from whatever happens. Completely selfless act. There is no one that can make getting a mortgage a pleasant experience. But the more a broker can do, the better. I think Zac did everything for us that could be done. read more

They got me the best rate available (2.625% 30 years) followed up on every thing needed and we closed quickly.

I'm about 75% of the way through this process. I can say that thus far they have been amazing! Quick, responsive and honest. Don't really need more or less than that! I will follow up with comments after its done. Yay. Home. read more

The representative Skip was evasive and instead of answering simply questions about interest and APR he went into some story how everyone in the process wants money from you. Long story short I was not treated as an intelligent customer, but as some potential sucker. I called other lenders who were more professional from the jump, offered me detailed and itemized quotes without pushback after asking, and understood I was shopping around regarding a very large purchase. In the end I discovered the rate offered through Compass could be achieved through any other lender and by buying discount points, all of which would still put Compass's lender fees at a higher rate. I don't recommend them. I went with Northpointe Bank. read more

This is the second time we worked with Dan scrum to refinance our mortgage. He is very professional, knowledgeable, and helpful. Always available when needed. The whole process was easy from Dan to the closing. Would highly recommend. read more

Our mortgage broker Skip told us he would be assisting us with our first and second mortgage. he got us to do the First Mortgage. Then after we assumed he was helping us with second mortage he just told us to go to our bank due to the fact we would get a better rate. When we went to our bank we were told if we had done the first and second mortgage with them we could have rolled our second mortgage and the money we wanted to get out of her house into one payment which now we can't do.This is because Skip was not completely honest with us. He was evasive and this has cost us a lot of money. I am not happy. I only went with him because I got a recommendation from Dutch at my long time state Farm office. Since I trust them to look out for my best interests. read more

I had a nuanced refinancing situation and compass helped me through it; it was difficult and frustrating but in the end compass delivered. I'll consider going to compass first for all of my financing needs - thanks guys read more

I had a great experience with Compass Mortgage initially. Great explanation on how to get a preapproval, my tentative costs, etc. When we finally found a house and had our offer accepted, I first checked with Compass on what rates they could get me. Unfortunately, the rates I was quoted were just higher than the other lenders. When I told my broker at Compass, he did search for better rates for me and unfortunately came just shy of another lender. I went with the other lender and was friendly and thankful for their help. But the response back was rude and unprofessional. I am still shocked and wish Compass well, but better manners when things don't work out would be appreciated. read more

Compass Mortgage - Customer review. - Mortgage Lenders Near Me - Warrenville, Illinois

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My husband and I used Compass to secure the mortgage on our house as first-time home buyers and were pleased with the service we received. We are presently refinancing through Compass and have had a similar experience to the initial process. We were referred to Ed Midgley of the Dan Graham Team through the listing agent for the house we bought. Due to some odd circumstances, we had about 48 hours to come up with financing and Ed really came through. He spent an entire Sunday on the phone with me from his house, gathering information and paperwork and getting us certified. Very impressive. Ed also reached out to me when rates dropped, which resulted in our current refinance. Happy to give him my business since he saved us a hundred dollars or so a month by keeping us informed of rates. The underwriting process was a bit disorganized. We were asked for documents we had previously provided a couple times. A document was also prepared incorrectly twice. No major setbacks or problems, but this keeps Compass from earning 5 stars. Overall, Compass was easy to work with and responded quickly to all our questions. I would use them again and recommend them to friends. read more

Compass Mortgage didn't get our paperwork together until after the original closing date. They made us jump through hoops & loops for 3 months. Currently we are on our 10th extension, and have started with a new company. We potentially could lose the house we chose, and our earnest money because of them! Don't use them!! read more

My husband and I worked with Jerry Maglone from Compass Mortgage to purchase our first home. Jerry was extremely helpful with his insights and patience. He walked us through the entire process from start to finish, was responsive to all of our questions, got us a great rate, and was a pleasure to work with. We felt comfortable working with Jerry on one of the biggest decisions we will make, and will absolutely be recommending him to our family and friends. read more

I have worked with Marlene Deck and her associates on several occasions. Each time the experience was the same. They do it right all the time. And not only do they do it right, they work with enthusiasm and understanding! Keep doing what you are doing! read more

We worked with Jim Galas from Compass Mortgage on purchasing our first home. Jim was phenomenal I could not ask for someone better to work with. He was friendly, professional and very knowledgeable. He was able to explain the different loan options that were available to us clearly. He was super responsive on getting back to us with any questions we had, even on the weekends! He and his team were able to get our loan processed and approved in a very short amount of time. He made the whole process a breeze and I really appreciate all he did for us. I would without a doubt recommend Compass Mortgage and I will being using them again in the future. read more

I've used Compass Mortgage (Skip Brown) twice now, most recently to buy our first single family home in Wheaton. I have to say Skip and his whole team (Rhonda and Jeanne) were great to work with. Nobody is faster to respond to emails then Skip Brown. I honestly don't know how he does it but it really made the process much easier for us. We had a lot of questions along the way and that team made it so easy for us and they were super patient as well. We hit a snag at our closing related to our old mortgage company not sending documents on-time but our attorney and Skip pulled out all the stops to get things back on track. I would definitely recommend this team if you ever need a mortgage! read more

I've used Compass for two mortgages, a HELOC and a refinance over the last five or six years. We're just finishing up the purchase of a house in Colorado, and the team is great. I've worked closely with Todd Gosden, and trust his counsel. He's fully engaged in the process, super responsive and willing to help figure out solutions. Most recently I worked with Spencer and his team for the out-of-state purchase, and they've done great by me as well. The team has never missed a date or commitment, and I'll keep coming back to Compass. read more

We bought a foreclosure last year. While several lenders turned us down, Compass worked with us and got us a mortgage at a great rate. Kent Cochrum and the rest of the crew were very knowledgeable and made the process smooth and easy from start to finish. They took the time to explain everything and were always available when we had questions. We definitely recommend them and will use them again if/when we need another mortgage in the future. read more