What a great experience I had with Ryan Harris! This was my first time purchasing a home, and Ryan guided me through every step of the process. He truly made me feel comfortable and reassured--never once making me feel like any question was a dumb question (and trust me, I asked a lot!). His patience and knowledge really stood out. Thanks again for everything, Ryan! read more

Stewart helped me to get my rates down to near to 6 % from 7 %. It was the time when fed cuts the rates for the first time in September 2024. I was hesitant to refinance at that time as I thought the rates would go down again in December 2024 after Fed cuts rates second time. Stewart helped to refinance in September itself a week after the rate cuts and it was the best decision at that time. After one week of fed rate cuts in September , the rates started to rise again. Thanks you Stewart and team for helping me in decision to refinance at that time and guiding through each and every step. I would absolutely recommend home pad lending for anyone who wants to get loans for mortgage. read more

I am at a loss for words. I was a former mortgage loan originator myself, and I absolutely can not remember a time I ever made one of my clients feel the way that Stewart Harris made me feel! I wholeheartedly believe he discriminated against me due to my disability. I also believe that as soon as he found out about my disability and my disability income he did absolutely nothing (that he can prove) to help me in my home purchasing process. He actually even called me asked me "how I think he felt" because he "waisted his time running my credit and getting me pre-approved because there were no homes in Arizona"! I think he was referring to the amount of financing I qualified for due to only having disability income. The biggest issue is that I actually do qualify for a loan (I was pre-approved through another lender), and there actually are homes I can afford here in Arizona! I have never felt so horrible about having a disability in my life! Then to find out this company is not even BBB accredited (according to google). I hope Stewart Harris never makes anyone else ever feel the way I do now again, and I am PRAYING I'm not a victim of fraud, as he told me I was pre-approved as well, but NEVER actually sent me or my realtor the Pre-approval letter!(allegedly). Do yourself, and all other Americans with Disabilities a favor, and find yourself another lender! I have screen shots as well of the way he spoke to me! ********************************************* Everything I am about to post from here is to be alleged: I would just like to post an update of my experience with HomePad Lending, LLC since they decided to post a false and defamatory response about me and my credit worthiness after I posted my truthful attestation of my experience with them. I have since filed several complaints against the company and loan officers Stewart Scott Harris and Ryan Scott Harris Federally with the CFPB, and at the state level with the DIFI, as they have violated MULTIPLE Federal and State level Statutes, one in which they did by discussing my personal credit profile while having identifying factors, and reporting inaccurate information about my personal credit profile and credit worthiness (ECOA). They also violated TILA, ( which they openly admited in a response to one of my complaints) and RESPA. PLEASE NOTE AS THIS IS MOST IMPORTANT! In doing my research while filing complaints, I discovered that HomePad Lending, LLC IS CURRENTLY OPERATING WITHOUT AN ACTIVE SURETY BOND, WHICH IS REQUIRED FEDERALLY TO HAVE WHILE PERFORMING BUSINESS, AND THEY DID NOT HAVE AN ACTIVE SURETY BOND AT THE TIME THEY TOOK A FULL APPLICATION FROM ME. They are currently under investigation, and they (if they haven't already been ordered to) will have to immediately CEASE AND DESIST all business, as per Federal Guidlines. Also, while they now have open complaints against them from me, per Federal Guidlines they will be further investigated by the CFPB, and will have to resolve any and all open complaints I have made against them, and the CFPB will enforce the resolution(s) BEFORE HomePad Lending, LLC (NMLS #1857677) Ryan Scott Harris (#817581) and Stewart Scott Harris (#381429) will be able to purchase a new Surety Bond and/or be allowed to resume business. I will not get into all the details of the complaints, however I will detail that I have tried multiple times and multiple ways to resolve them before this, and each time I was ignored, which left me no choice. I will say, that, as always, I am open to resolving my complaint(s) against you, as long as your resolution is fair and made in good faith, and done so immediately! I would also like a formal apology, and for you to immediately delete that completely false and defamatory google review about me that you posted. I can be reached by phone or email. Once we come to a fair resolution, I will consider my complaint(s) resolved, and allow you to resume business. UNTIL THEN, ANYONE CURRENTLY OR CONSIDERING DOING BUSINESS WITH THIS COMPANY SHOULD DO BUSINESS SOMEWHERE ELSE. read more

I had a very negative experience with this company. And I was surprised due to reading so many positive reviews. When some things are too good to be true...maybe they are. Not only did my refinance loan not close within 3 weeks...it did not close at all. A complete waste of a month of my time.. And I submitted all requested documents within a few hours after requested throughout the month. I picked Homepad Lending due to the good interest rate quoted, low cost and positive reviews. They were organized and responsive until closing. My closing was scheduled on Friday of the 4th week with an appointment with a notary. Then this is where everything went off course. I was told the lender got my interest rate confused/wrong. And the closing paperwork was not correct. The appointment with the notary was canceled ....the day before I was leaving on vacation. Homepad stated they were trying to figure out what went wrong. Then, Homepad changed the terms of the loan and padded the loan amount. Yet the interest rate was still good. I agreed to reschedule and meet with a different notary while on vacation and close my refinance loan. On the day of the 2nd scheduled signing...I was told the lender messed up again and did not have the correct paperwork. The wrong paperwork was sent to the notary. My second attempt at signing the paperwork was canceled the same hour I was scheduled to meet with notary while on vacation. I had organized my vacation day around this signing appointment. Homepad Lending asked if I could reschedule the signing for the next day...a 3rd time...while I was still on vacation. Yet before the 2nd error had been corrected and before any notary had the correct loan closing paperwork. I lost complete faith in Homepad Lending. I did not receive a phone call from Rimi to explain this 2nd error. I was not offered a solution. I was not reassured that the first 2 mistakes were corrected. I received a message from Ryan asking if I was still interested in the loan...on the day my locked interest rate expired. What loan...there was never legitimate loan closing documents presented to a notary or to me. What a waste of time....never again read more

Updating my previous review. We've just refinanced our first loan and can't thank Ryan & Chris enough. They are on top of their clients needs and are ready to do what it take to get the deal done. Thank you gentlemen. Especially for helping out my friend now too. read more

I just refinanced with Ryan Harris at HomePad Lending and secured a 2.75% rate for 30-year fixed. Their team has grown significantly over the past year as they take advantage of continued low rates. But rates have been ticking up so give Ryan a call. This is my second time I've used him. He takes the complexity out of a refinance and will actually spend the time to review your numbers so you have no surprises on closing day. He and his entire team (Kyle) are great to work with. read more

I wrote a review in google as requested Justin. With the promise to provide a Amazon Gift Card. Review was written providing a 5 star review amended to a 3 star review due to a implied contract of writing a review in return for a Amazon Gift Card. Justin was unresponsive to my emails concerning this matter. Telling by his action once your loan closes I don't want anything to do with you as 3 emails went unanswered. So if they state something I would question the integrity of that. Justin and Jared were extremely response to my needs during the loan process which is a plus for and loan officer. But can I recommend them. NO. The broke a Cardinal rule in customer service at the end by saying I write a review on google and you will get a Amazon Gift Card.Don't say something that you can deliver on. it looks really bad. I can not recommend using Home Pad Lending as the only care about the money not you as a customer. I actually provided possible to referral to Home pad lending which now I regret doing read more

Another fantastic experience with Ryan and his team at HomePad lending. This is the 3rd loan we have done together on some properties and it is alway a seamless process and great experience. Won't go anywhere else for a mortgage read more

Horrible experience with business. He wasn't able to close my loan for over two months.Missed 3 closing dates and kept pushing. On top of that he is dishonest,unprofessional and doesn't return phone calls. Stay away from this business!!! read more

Ryan was great in helping us through the loan process. He helped us get qualified for our house where others had failed, and for that we are very thankful! read more

Ryan and Homepad Lending have treated me like family! Ryan and his team are amazing to work with! Ryan and his team made all my loan experiences fun and very smooth. Ryan and his team respond very quickly to emails, phone calls and texts. They are always ready to answer all my questions and give me the best advice and point me in the right direction. I feel very confident that Ryan and his team have my best interest. Ryan has spent late nights answering my questions and putting my loan together. I have compared interest rates and nobody has came close to what Ryan has delivered. Ryan and his team have always over delivered! I have referred all my friends and family. They all have great things to say about their experience working with Ryan and his team. I highly recommend working with Ryan and Homepad Lending for all your loan needs! read more

We used HomePad lending for our mortgage broker and we closed on our home mid October. HomePad lending was able to get our deal done when no other lender could. We highly recommend HomePad lending. If you are looking for a loan officer that works for you go to HomePad Lending. Thank you HomePad! read more

I had the worse experience ever it was 1 lie after another. He would also ask for extra money at closing almost every week it was something different. it made me never want to buy another house til my other loan officer rescued me from disaster. My loan went from 45days of excuses to closing in under 20 days by another lender. stay FAR FAR AWAY. i would give 0 stars if that was an option. read more

Ryan and his team are awesome! We're signing our re-fi papers tomorrow. This has been, by far, the smoothest transaction we have ever had. They are courteous, skilled, organized and persistent to get the best rate possible. read more

I worked with Ryan Harris on my refinance deal. He got me a really good rate on my investment property. The process took longer than expected due to some snags in the review. Ryan went above and beyond to make sure this deal closed. I would definitely recommend working with Ryan for to home lending needs! read more