I was introduced to Millenium Home Mortgage by my mortgage broker. They told me they fund their own loan and getting a refinance done would be easy and quick.
Let me preface that the credit scores we have are 730 and higher and the income was showing in the top 5% of the country. This company danced me around for over 6 months and was probably the worst customer service I have ever received. They would get upset for asking when closing dates were like we were the problem.
The first loan they pulled out of altogether and didn't honor their commitment due to COVID, then they made us wait an additional SIX months to close with a different program. If they were writing their own loans there was no reason to cancel the first time.
At closing, they hit us with additional fees and another 2k payment that was not discussed at all. When we called them to see what they did. They told me to pay it or I was stuck with the other payment. " We don't care" Joe Galayda, partner, even said it on speaker phone in front of the bank attorney who also found it appalling.
I would not use this company at all! They use deceptive practices with fees, they lose paperwork constantly, always asking for additional paperwork. What company has been in business for 30 years and doesn't know what you need out of the gate?
HARD NO for me. read more