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    Ruoff Mortgage

    5.0 (1 review)
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    Mortgage services

    Mortgage refinancing

    Home purchase

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    3 years ago

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    Huntington Mortgage Group

    Huntington Mortgage Group

    (7 reviews)

    Crosswoods

    We have been paying on our Huntington Mortgage for over a decade now. We paid the August 2025…read morepayment on line like we always do on 28 July 2025. The payment was not applied to the Mortgage payment, it was applied to the principal instead. Huntington sent a notice on 19 August 2025 that we had not made our August payment. After hours of being sent around in circles and being told inaccurate information we were told that the payment was applied to the principal balance because we paid 4 days early. We were promised the payment would be applied correctly on 20 August 2025. We were then told on 22 August 2025 it would be corrected on 25 August 2025. Today is 26 August 2025 and the payment has not been corrected. We were told we needed to make a second payment for August and we are only days away from our September payment being due. Our online account access to pay our mortgage has been locked so now we must pay at the bank in person. The branch office does not have access to the mortgage account and will only accept an August and September payment at the same time. This is an error created and unresolved by Huntington National Bank. During the last five days we have been redirected to frivolous departments, lied to, and intentionally given incorrect information and promises of resolution to this issue with no action being taken by Huntington to rectify this issue. Hunting is not accepting responsibility for their error and instead of cooperating to resolve their error are demanding an extra payment and further delaying the correction of their error.

    I dunno.......where do I start? So many issues with Huntington AS A WHOLE...INITIALLY, in 2015,…read morewhen I purchased my first home, Huntington was NOT my choice, but due to inefficient professionalism with the realtor, Huntington was next in line for possible home loan. I received an excellent fixed APR...fast forward to 2016-ish and I was out of work for a few months, depending on my (then) husband to pay (not all, but most of) bills/mortgage and we fell behind on the mortgage by I think 8 or 9 months. Foreclosure process began - and I was doing everything I could think of to correct this wrong...I discovered the Home Savers Program with Huntington and that saved my home. However, over the years, my monthly payment has yo-yo'd all over the place, starting less than $500 in the beginning, all the way to just under $700, then with the Home Savers it went back down to $447 for almost 2 or 3 years, and now, it is back up over $525/month...and I am on a fixed income as a disabled Navy vet, divorced, and though making this payment is not really an issue at this point, any time I have a question regarding ANYTHING about my mortgage, getting transferred to the correct department THE FIRST TIME SEEMS TO BE THE IMPOSSIBLE DREAM................customer service reps are limited on their information and I seem to get the one that THAT DAY THAT I CALL IN WITH A QUESTION IS THEIR FIRST TIME ANSWERING THE PHONE. I am currently in the process of trying to get one question answered regarding some misinformation that is listed on my online account and the "Sales" history of my home.........and I have been trying for over a week now to get someone on the phone who can answer why this WRONG SALE AMOUNT/DATE OF SUPPOSED SALE is even listed...................one girl told me the other day when I called in about this that the information I was referring to wasn't "real...kinda like your credit score, you know, it's different depending on who is doing the numbers..." WHAAAAAAAAAA???? what is she talking about??!!??@?

    CrossCountry Mortgage

    CrossCountry Mortgage

    (7 reviews)

    Northland

    If only you could rate zero stars…read more.. Multiple emails and a few letters sent to CEO are below, at least a dozen prior that went unanswered. NOT the way to run your business. Mr Leonhardt, Absolutely the most unreasonable, non communicative, complicated, ridiculous mortgage servicing I've ever experienced. The CCM website is overly complicated, unhelpful, and clearly must overwhelm 99% of your borrowers, Our experience over the last few months has made us so frustrated that we determined it would be easier and less painful to pay off the loan and no longer have anything to do with Cross country Mortgage. Unfortunately this is something that I have seen on the Internet by many borrowers who are completely frustrated with the largest, and clearly the worst mortgage servicer in the country. I hope you will take this as constructive criticism so that you can look deep into your company policy's, and just as importantly, your people. I've received an automated call for me to call CCM back, that was Saturday, I called back to find offices closed on Saturday, really? Mr Leonhardt, seriously? Would you please have a human being call me? I am a customer, not a number I'd expect that a professional company having received so many communication attempts would put forth some effort to reach out and discuss Mr. Leonhardt, I've been emailing and sending messages via your website CCM for several months now, I'm shocked that I've not heard one word of response, I'm sure you have records of any incoming messages on your website, of which I've sent no less than 4, please have someone check, also your "help" email also goes unanswered, I believe I've sent 5 or 6 to that CCM address. I'm a client, and quite frankly I'm insulted by the failure of your subordinates to communicate back to a customer communication. I hope you will have the courtesy of insuring I'm responded to since I've had to resort to imposing on your linkedin page, as well as your work email(s) Respectfully,

    Ugh. The escrow department can't do math. Twice I have complained about how they handle RESPA in…read moreregard to escrow cushions. They overcharge more than they undercharge and increased my mortgage payment by $630 that's pretty steep and unfair. When I call to speak to an agent, they have no idea what's going on and get offended if you ask too many questions, and hand the call off with no resolution. Going to refi out of this dumb institution with weak accounting and staff. The CEO needs a check.

    Lower

    Lower

    (6 reviews)

    This is by far the worst company I have ever dealt with. Nobody will answer the phone. Or return…read morephone calls. They offer free lifetime refinancing, but good luck getting it. If I could leave negative stars I would. Stay far far away from these people.

    Lower.com is by far the WORST company we have EVER worked with. They do not reply to you when you…read moreneed answers and if they do reply, you get a text saying "I do not know but I can get an answer for you by 12pm tomorrow" - then it will be 6pm the next day, everyone will be out of the office and you will still not have an answer. Jade Brown was extremely disrespectful and uneducated about the whole process. Everything she said was a lie to get us off the phone. She fired our loan officer and didn't even have the decency to tell us until 2 days later when we asked her what happened. We went that long with no contact from Lower.com after they missed our closing date. They lie, manipulate and delay your entire process because they are unprofessional and completely disrespectful. They just want your money and will never do a single helpful thing for you. Timothy Levone Hinton was fired during our loan process and I'm pretty sure that was because the lack of service we received and I will NEVER allow anyone to ever work with this company that I care about. Jade told me she thought we closed 2 different times and was unaware that we STILL didn't close. We had no loan officer at all at the end and she was responsible for what happened and still didn't know anything going on. I am disgusted with her work, and everyone else involved. I will share this review everywhere I can to protect someone from making the same mistake we did. We HATE Lower.com.

    Concierge Mortgage

    Concierge Mortgage

    (2 reviews)

    We originally decided to go with Mortgage Concierge because they had the best rates. Kyle was our…read morefirst point of contact and from there the process went pretty smoothly. Jennifer and Joe were always helpful, courteous, and quick to answer our questions. There was an issue that we found out about a few days before closing. It turned out that Mortgage Concierge bought points in order to secure the rate. By that time, we were basically backed into a corner because it was too late to apply for a mortgage somewhere else. They called and said that they will refund us the amount since it was their mistake and that the check will be sent out 15 days after closing. They ended up taking longer than 15 days and we kept calling them but never received a response. In the end, Kyle got in touch with us and refunded us the amount. He explained that they were closed for weeks due to the holiday season and ended up wiring us the money so it was faster. Overall I'm really satisfied with them and would definitely go through them again

    I have closed 3 loans with Kyle and his team at MC. Two residential and one commercial. They have…read morethe best rates, and smoothest process for closing. Not sure what else you can ask for. The ability to do both commercial and residential was helpful as Ive found a lot of lenders don't do both (or a a minimum you deal with totally different people for each) - especially larger banks. My loan in 2010/2011 was especially difficult as I had recently started my own business and there was an IRS issue where a tax credit I had received was holding up all sorts of stuff. Kyle helped me get through it and closed - a few other lenders had said it was impossible.

    Ruoff Mortgage - mortgagelenders - Updated May 2026

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