Truly if there was a minus 0 that's what I would chose! Definitely check on the 5 star reviews they must be fake!!!
This was the most awful, stressful, difficult closing my husband, my realtor and I have experienced. Our ordeal started on April 3rd 2018, PRMG mortgage asked for all the documents needed to buy a home, we provided everything they needed in 2 days time, then they asked for more documents which we provided in a matter of hours. Our realtor kept asking for updates as PRMG's communication was very poor, finally we signed papers that had a rate of 4.875% and a closing date of May 24th. Please know that in the meantime we kept getting requests for more and more documents which we kept providing, sometimes the documents they requested were so out of the ordinary but we provided them, then they would comeback and said "sorry the papers were not accepted by our underwriting dept". my husband works out of the country so he needed to make traveling arrangements to come to the closing. On May 11th we received an email from PRMG saying: your closing is on track, at that point my husband purchased a ticket and rented a car for the two days he was going to be in Miami. One week before the closing we received and email with new papers to sign, the rate was change to 5.125% and if we wanted to keep it as the one originally done we had to pay over $1,000.00. We asked a mortgage friend if this was right and he said NO, they probably never submitted the docs you signed originally on time to lock the rate and the rate changed. At this point we just needed the closing to be done and we had to accept as we had already sold our house and had no place to stay, to make matters worse!!! my husband arrived to Miami at 10:00 am for the closing on the 24th, went to the title company just to find out they had not received the documents from PRMG. At 12:30 we were contacted by PRMG to ask for divorce papers from my husband who divorced 23 years ago, my question was: if you needed this document why would you wait until today to ask for it??? the answer I got: our underwriting made a mistake and until we get the papers you cannot close, then they asked for our children id's so they could verify their ages, we sent the id's, the divorce papers were found just for them to say: sorry underwriting needs birth certificates, OMG it was just nerve wracking, my high blood pressure went up so high and the mental distress and anguish was so unbearable. Just to say... we did not close on the 24th, they told us the 25th, my husband cxld flights and extended the car rental and GUESS WHAT, no closing on May 25th. I called and spoke to one of the people working in our file (she knows who I am talking about) and asked why was this happening, she replied: you are not the only client we have, we have many more files that we need to work on just to focus on yours, then she proceeded to tell me it was her underwriters department mistake and my realtor's fault.
We actually closed on May 29th and their infinity of mistakes cost us $1,230.00 on cancellations and car rental extensions.
IF YOU WANT TO KEEP YOUR SANITY "DON'T DO BUSINESS WITH THIS FIRM"
MY ADVISE IS TO CLOSE THIS BRANCH OR REPLACE THE PERSONAL WORKING THERE, THEY ARE NOT TRAINED TO DO THIS TYPE OF WORK.
I will give names of personal involved at request. they know who they are. read more