They changed the terms on the loan twice. When I questioned it, they refused to correct it. I had a…read moresmall delay because of some very serious health issues with my father in law and pregnant wife. When I got back to them, they refused to close the loan until I paid their origination fee up front, on top of the appraisal and $500 good faith payment I had already prepaid. I was still within my commitment period and they refused to close the loan when I refused to give them any more money upfront as well as refund me my good faith payment even though i have proof the mortgage broker told me "nothing is nonrefundable" in writing. Stay away from them (Colleen Caine, the underwriter.......Kevin Vanic, business development officer, and Gary Polao, red star mortgage broker who worked with apex to approve me. I have filed complaints with 4 different agencies, including the BBB and the FDIC because of their parent company Firstrust Bank. Unethical, illegal, and they should be held accountable.

This may be the most unprofessional mortgage company I ever dealt with. If you can do yourself a…read morefavor and stay away. Especially if your phones are answered by your coworkers!

Steve and his team are very professional. I found Steve on Google and request his help on Yelp. He…read moredid a great job helping me and my wife apply for loans. He always answers our questions and solves our problems in time. His emails are always polite and provide useful information. I would recommend anyone who is looking for a loan agent to work with him.

This review is long overdue. I found Steve on Yelp in December just after the fed raised interest…read morerates. My wife and I wanted to buy a new home and fast. I contacted Steve and right away he put my mind at ease, which is not a small feat. He explained the different options, conventional, FHA, borrower PMI, Lender PMI, etc. and put no pressure on me what so ever. He also was extremely efficient and knowledgeable with regards to estimated closing costs and quick with advice on how to save money on things like title insurance and homeowners insurance. As luck would have it we fell in love with a home at the end of December and Steve and his team sprung into action. They moved so quick and had everything set up perfectly. He found us an amazing rate the next day and had an offer letter ready the next day as well. Long story short we closed on the house 25 days later, seriously, 25 days later and this is with the new year and MLK day in between. I had expected it to take double that time but Steve absolutely came through for us. And his estimated closing and cash to close numbers were spot on and less than the realtor estimated. Steve is an awesome lender. My only complaint is that he couldn't be our realtor as well because with someone like Steve on your side there is almost no need for one. If you are reading this then do not hesitate to contact Steve, especially if you are like me and have a million questions and feel the need to text and call randomly as thoughts come to you... sorry Steve. But really, this is who you want to use for your next loan. Thanks Steve!

This company changed my life I own a condo and for years took out a condo policy for no reason…read more My condo association has a policy with lenders name on it. Allstate condo policy same. They kept rejecteming the proof until I was forced into bankruptcy. Lost my fiance lost my job ..... I do stand up comedy now traveling the world telling people my true Ditech nightmare in life . If they did not steal from me my life would be so different today. I lost my college dream kicked out of school when bankruptcy started legal fees are not cheap. Ditech you will never be forgotten world wide

Seeking unethical business practices and consistently lousy customer service from your lender? Call…read moreDitech. After years of horrendous dealings and being raked over the coals every chance they got, I finally paid off my loan. Breaking free from Ditech feels like getting out of an abusive marriage. To rip me off one last time, they extracted a final PMI payment out of my PAID OFF loan. So I call to inquire as to how they justify taking PMI out of my overpayment check and the pathetic answer I got from the rep was that was what her supervisor said so. I am so done fighting these criminals, I can't bring myself to call again. They can have the lousy $73 if it means I never have to deal with this repulsive crooks again. You'd be better served getting your home loan through the mafia.

They do an amazing job! Great rates and service- very knowledgeable & friendly -highly recommend!read more

Stay away from Gateway Funding (eRates Mortgage). They have a great rating on Zillow.com, but…read moredon't use them. I was going to refinance with Gateway Funding and completed all of the paperwork. When I read through their final contract, I noticed they altered my refi from no-cash to cash-out, directing $5000 back to them. Along with that, they charged $410 for an appraisal that never occurred, and when I called them on these issues, they stopped returning my calls and emails. Instead of Gateway, I used Northpointe Bank, and they were awesome. UPDATE: Gateway contacted me within minutes of posting this. I really would have appreciated that speed in service when I asked them to remove the bogus $410 charge instead of having to work with my credit card company to reverse their charge.

Stay away from this company! I had to push my closing date back two times, which could have costed…read moreme my house had the seller not agreed to the revised timelines. Finally the day of the scheduled closing came. It was a Friday and I was planning to move over the weekend. Unfortunately, it turned out that their closing dept. that does the paperwork to fund the loan is staffed by overworked sweatshop workers. They were so backed up that they couldn't get the paperwork done that day, and I had to push the closing back to Monday, putting a big dent in my moving plans - not to mention the huge disappointment of not becoming a homeowner on the big day! It was extremely frustrating. To compound that, they double charged me for the appraisal. I paid for the appraisal on my credit card and they charged me again at closing. No problem, they said, we'll just refund your credit card. Two months go by with no refund. No problem, they said, we'll mail you a check. Several months again go by. I contact them again and now they want paperwork proving I had been double charged. I send in the paperwork and still don't get a check. Finally after I threatened to take them to small claims court and file a case with the BBB they got their act together and refunded my money. After all of that, my loan officer had the nerve to say "I hope this accounting mix-up doesn't prevent you from referring your friends to us." I have been warning anyone who will listen to stay away from this company. The whole process was an absolute nightmare.

GMAC Mortgage has to be one of the worst experiences I have ever had when applying for a new…read moremortgage. This company strung us along until the end of the escrow period. Beware of this Mortgage Company and do your research. Please see the letter I sent to their Loan Processors and GMAC Customer Service. ====================================================== To Michael Krasnay* & Michael Greski*: RE: Loan# 687671869 Property: ___________, Los Angeles, CA, 90039 I spoke with the escrow company just right now who indicated that if you do not deliver the loan documents to Affordable Escrow by 9:30am PST (12:30PM EST), Friday, 12/3/2010, then this deal WILL NOT HAVE A CHANCE TO GO THROUGH SUCCESFULLY. Michael Krasnay - At your request, I have already faxed you the notarized Affidavit and Hanasab Ins. will be sending the revised Property Insurance directly to your underwriter by 5:30pm tonight, 12/2/2010. If you are not able to provide these loan documents to Affordable Escrow by 9:30am PST (12:30PM EST), Friday, 12/3/2010, then we will be forced to find these funds through other banks and resources to make this deal happen. Please be warned that if this loan is not resolved by your team, then I will be consulting this matter with our Attorney to determine what legal action will be taken against involved individuals and GMAC Mortgage Company. I have saved every single document and email communication to document the incompetence demonstrated ever since this loan was handed off to the GMAC Fort Washington, Philadelphia team. With the initial 30 days of escrow period, it is very evident that your loan processor and underwriter waited till the very last minute to verify the conditions of this loan to request additional documentation; this type of service is COMPLETELY UNACCEPTABLE. This service and experience has been very difficult and nearly impossible to accomplish. In addition, your GMAC Philadelphia team has consistently provided a lack of communication and follow-up on our loan; demonstrating extremely poor customer service. If you do not take the proper action to close this loan, then I will also be forwarding this letter and all information to the Better Business Bureau, GMAC Customer Care, Director of Operations, Vice President and President of GMAC. I will do everything in my power to ensure that this matter does not rest by publishing this incompetence in all online mortgage forums, complaint boards and the Los Angeles Times. No customer should ever have to go through this type of bad experience. ====================================================== Notes: Btw - GMAC never responded to this email. Michael Krasnay - The worst loan processor who ever lived. Michael Greski - the Operations Manager who never once responded to any phone call or email. Btw - we were still able to buy the property without the help of GMAC... =P