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    Upstate Mortgage

    5.0 (1 review)
    Closed 8:30 am - 5:00 pm

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    7 years ago

    Helpful 7
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    First Nations Home Mortgage

    First Nations Home Mortgage

    (2 reviews)

    Hunting for mortgages is extremely daunting, but I'm so glad I found Jim! I found First Nations…read moreHome Mortgage on my employee portal, so I figure why not give Jim a call?* From the first phone call, Jim put all my worries at ease. He was extremely detailed and knowledgable about all aspects of the mortgage process. He shopped around for my best options and was very fast and efficient. He was always available to answer my questions, send me updates and meet for paperwork. Even after my closing, Jim has been available to answer any questions I have. Everyone warned me that buying a house (especially my first one) would be super stressful and overwhelming, but I can honestly say it was one of the best and easiest experiences I've had, thanks to Jim! He is amazingly helpful and I love my new house! *I work for a company owned by Michelin, and I received some discounts for using First Nations Home Mortgage. Regardless of this, I would recommend Jim Taylor over anyone!

    We had a wonderful experience with First Nations! James Taylor was so incredibly helpful explaining…read moreevery step of the process, and he went above and beyond to ensure we got the best rate we could. He spent days running numbers for us to make sure we were getting the best scores and rates possible. We have worked with other lenders in the past, but our experience doesn't even compare. We will definitely use Jim in the future for any mortgage needs. Thank you again for everything!!

    Shellpoint Mortgage Servicing - Personalized video escrow analysis summary!

    Shellpoint Mortgage Servicing

    (873 reviews)

    Hello everyone this is an updated review my mortage was sold to this company in November of 2024 I…read moream happy to tell you by BOA selling my mortgage to this company was a BLESSING for me at first no lie I was skeptical since I had never heard of them before went on the computer did research and I wasn't liking what I was reading. So I said to my self okay well I will have to give them the benefit of doubt so glad I did at first I had a difficult time getting someone on the phone so I tried the chat and was connected to a person right away and so glad I did that way I was able to keep the chat for my records. Through the the email but the GOOD NEWS is I had them for eight months I didn't have any issues at ALL I came up with a plan to pay the mortage off faster by adding more to the principle every month because I calculated the interest rate and I was paying more in interest than what was going on my mortgage. I understand that they have to make a profit but seriously they were hardly putting anything on the principle if I had kept doing it the way they had it I would of DOUBLE what I bought the house for I said to myself OH no instead of paying them all of that interest I can pay myself that. So I paid the mortage off SEVENTEEN YEAR'S and FOUR MONTH'S early so now that$150.000.00 that they would of collected from me stays in my pocket. I paid it off on the 17th of July I received my DEED on the 8th of August thats less than a month HALLELUJAH!! I received my escrow check on the 10th of August so now it's a done deal . But I made sure I kept a print out of all transactions for my own personal records. So thank you Shellpoint for an easy and GRATEFUL transition.

    My mother's mortgage was originally with Wells Fargo. She refinanced approximately 10 years ago…read more During COVID, she entered into a Wells Fargo forbearance because her side income dropped significantly. That forbearance ended in a formal Wells Fargo loan modification, and she stayed current under that modified loan. In 2024, she entered into another Wells Fargo forbearance so she could manage cash flow while taking care of timely and necessary home maintenance. That forbearance began July 1, 2024 and was scheduled to end December 31, 2024, with the expectation that payments would resume in January 2025 or that another modification would be completed. In September 2024, Wells Fargo transferred the loan to Shellpoint. Shellpoint said it received the transfer paperwork, but claimed it did not receive the Wells Fargo forbearance documentation. Because of that, Shellpoint demanded full payment of the amount it believed was past due. We explained that the loan had been in an approved Wells Fargo forbearance and that payments were expected to resume in January 2025. Shellpoint then said it would work on a loan modification. My mother resumed making her regular mortgage payments in January 2025 while Shellpoint processed the modification. In spring 2025, Shellpoint offered a modification that appeared acceptable and we were ready to proceed. Shellpoint then canceled it because the property was held in a trust, which they had not properly addressed. They had not asked us to clarify the trust issue before preparing that modification. After more calls, Shellpoint restarted the modification process to correct the trust/title issue. During the second modification process, Shellpoint converted the loan into an escrowed loan. We agreed to that. In October 2025, Shellpoint placed the loan into the escrow structure and my mother began paying the increased mortgage payment. The modification agreement states that Shellpoint is responsible for paying both homeowners insurance and property taxes through escrow. Since then, Shellpoint has repeatedly mishandled the escrow account. Homeowners insurance was due in December 2025. In February 2026, we received notice that Shellpoint had not paid it. When we contacted Shellpoint, one department said the loan was not escrowed. Another department said it was escrowed, but only for property taxes. We explained that the modification agreement required Shellpoint to pay both insurance and taxes. About a week later, Shellpoint corrected the issue and paid the insurance. At the end of April 2026, we received another notice stating that the property taxes had not been paid. We contacted Shellpoint again. The escrow department said the loan was not an escrow account. Customer service also initially said it was not an escrow account. We then had to request an investigation and ask Shellpoint to review the actual modification agreement. Shellpoint eventually confirmed that the agreement does require escrow handling, but they have not yet explained why the escrow department does not recognize the loan as escrowed or why Shellpoint stopped collecting the property-tax portion in December 2025 after performing an escrow analysis and lowering the payment. Shellpoint is currently investigating the escrow setup so this can be corrected going forward. Separately, Shellpoint's credit reporting appears inaccurate. Although my mother resumed payments in January 2025, Shellpoint did not report those payment months. August 2025 was the first month in 2025 that Shellpoint reported to the credit bureaus, and they reported the loan as more than 150 days late with a past-due amount. We dispute that reporting because the loan had been in an approved Wells Fargo forbearance through December 2024, and my mother had been making payments since January 2025 while Shellpoint processed the modification.

    Dan Michaud - Network Funding

    Dan Michaud - Network Funding

    (1 review)

    Stop looking for another lender because you're going to get GREAT customer service with Dan…read moreMichaud. He knows his stuff and you want to make sure that you are confident that the mortgage you are signing will fit your needs. Dan will make that happen. We spoke with at least 4 or 5 different lenders. It was such a stark difference between Dan's explanations and the other representatives. He knows his stuff! The other lenders we spoke with were not really able to explain the details of how a loan was adjusted in a way that we could understand. He is so articulate and can describe something in 3 different ways if you need it. I needed this to be sure that I 100% understood what we were getting into. Dan was incredible! He answered every single question we had in great detail and depth. We wanted to understand the process and to understand the different options we had available to us as borrowers. We didn't need to poke or prod to find out ways we could save money. Or, how we could adjust the mortgage to our advantage. Dan went ahead and reviewed how we could create a mortgage that would truly be most cost effective for us and meet our needs. He weighed the costs and benefits of each 'factor' that went into the construction of the loan. This is something that we found to be so unique to Dan that we simply were not finding with other lenders. He obviously knew his stuff and we knew that he was doing the best job that he could to ensure we would be able to buy the house that we wanted and in a way that would be advantageous to us. We highly value someone who is communicative and can answer questions in a timely manner. Dan texted and called me on Saturday before a deadline to ensure that we would meet it. He isn't going to wait until Monday to say, "Oh well... we missed that deadline" he is going to ensure that everything is done on time and so nothing gets delayed and you can close on time. Stop looking further because Dan at Network Funding is wonderful!

    Upstate Mortgage - mortgagebrokers - Updated May 2026

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