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    Ask the Community - Moneytree

    First Option Lending

    First Option Lending

    (12 reviews)

    Southeast

    I agree with the other two reviewers! DO NOT use this company!!! I am in the middle of the WORST…read moreexperience of my life. I almost lost my earnest money. I am losing the house I want to buy and now it's nearing the end of the month and I have no place to live. Just freaking great. I wish I had used a different lender.

    Well, sounds like other people are having, or were HAD, by these incompetents! All seem to have the…read moresame thread, i.e. Giving you the all clear to proceed, write up a contract, and smooth sailing from there on in. Then, within a few days short of the drop dead day for meeting the contractual final proof of financing,,,,ONE WEEK prior to closing, suddenly, the so-called "in house" underwriter, who was actually in Maryland, decides that he needs documentation for this, that, and the other. Copies of 8 year old financial info, that were all ready packed and put in storage. Why storage? well the vacate date of the present house was fast approaching, and since they delayed the closing dates several times already, we had no choice but to start sending things we could get by without for a while to storage rooms, and shipping crates, which are expensive, but at this point, we thought that they would only remain that way for a month, at most! Every person in real estate finance that we have spoken to since this nightmare began are dumbfounded, and say that the last minute demands they made are unheard of, and totally unreasonable, except for two, that SHOULD have been asked for over 90 days before, back in the beginning! Every few days at the start, we had sent in volumes of paperwork, e-signed doc, after doc, after doc! Now, mind you, when we first set down with them in DECEMBER, we were honest, and informed our " loan specialist" of all possible skeletons we may have had in the past. We were assured that there was NO PROBLEM with those things, and they would not even come up, since they were such old news! All during the process, our person would tell us one thing, then come back a week later with an opposite story. Now the countdown was on, I had already paid $650 bucks for the home inspector, all the objections had been dealt with, the seller had agreed to fix things to suit the underwriters, etc.. Then, the night before the deadline, we had to kill the contract, so that we would not lose our earnest money. The loan officer, both realtors, everybody told us not to worry while we waited on the rest of the paperwork they wanted. " Gee, you guys can just re-write the deal by this weekend. It will all be just fine!".....Except it was not. Within a few short days, the seller was presented another offer, which she accepted. The same price, I have found out since. Can't blame her, she was already pissed off because she lost out on a house that she had a contingency contract on, due to the constant delays! We had to get a bunch of storage rooms, pay for emergency labor to move everything, at a very high cost. Gee, our loan guy felt bad about that, but, just go find another house, and write a NEW deal, right? WRONG. Within days of this, the real estate market was blazing hot again, and prices rocketed up literaly over night. All of the houses that we were keeping an eye on were either sold, or pulled off the market, and listed again, 20 to 50 grand more added in. Half of our downpayment had been spent aquiring storage and paying out thru the nose to move, since neither one of us were physically able to do it. No Choices left, no time to wait out another contract, and now, the down payment $$ is draining away, not to mention that the money we were financing would no longer buy anything near the size and quality of this house, thus, we would now need more cash down. We thought that we could just rent an apartment for a short time, to recover cash flushed away, and start over, with a NEW mortgage company. That was at the end of March. Now it is the second week of May. We are living in an extended stay hotel, one of the few that will accept animals. All of my savings are gone. It is costing a fortune to live here and pay the storage bills. Apts are completely full, & wait listed. Rental scams for homes are plentiful. Hopeful renters like us, are now treated like cattle to shuffle thru potential homes that they are damned lucky to even get a landlord to return a call or email, just for a showing.!! They jack up rents every day. Renters are up-bidding prices to beat out the competition! Fix and Flippers are getting rich quickly. Everyone says it is because of the 4/20 effect, record numbers of people moving here in hopes of getting rich with legal pot sales and farms. Just another gold rush boom in Colorado. Some folks coming here so that they can cope with health, illness, and pain management. Good for them, but good luck finding housing. Our hotel is full of them, too. I am six years away from retirement, savings depleted. My heart is broken. We lost out on our Dream HOME, the one we planned to retire in. A 40 year old house in a somewhat sketchy neighborhood in old Aurora, not a Cherry Creek mansion folks. The ripple effect goes on. Do any of us have a lawsuit here? Class action? Maybe worth checking on, all of us. DO NOT DO BUSINESS WITH FIRST OPTION, EVEN IF THEY ARE YOUR LAST OPTION!!! ZERO STARS!!

    Moneytree - paydayloans - Updated May 2026

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