Us mortgages worked on my refi. for a home in Palisade, Co. They did some things well and others not as well: Pros: good, timely and relevant communication they kept close to there closing time-line their fixed, 30 year rate was competitive Cons: They were over $2000 more in closing costs (and these costs were not easily seen in the loan documents). I became aware of them because they added these costs quietly to my new loan principal. They complained when I compared them to another lender. They were not correct when they said the large lender would take "months and months to close." read more

[REFI LOAN] US Mortgages dragged us through long EIGHT months of brutal waiting, incessant doc requests, and inconsistent stories for every delay or setback. Eventually it got to the point where it became ridiculous and we left infuriated. We wanted to move forward on all accounts (especially after having paid for an appraisal) but it was CLEAR that after months of constant followups-- David had no intent of getting things done. I have worked with multiple mortgage companies, having a wide real estate portfolio - by far, US Mortgages is the WORST. We will not be recommending this company to anyone. read more

We worked with Dennis at US Mortgages to refinance our house this Spring. Dennis was very clear in his communication and up front regarding the process, timing, documentation needs, etc. which made the whole process very painless. He was available whenever we had questions or if a minor issue arose. He shepherded our loan through underwriting and approval ensuring that the process was completed as timely as possible. When a delay arose (due to our existing mortgage company) Dennis worked with us to stay on track and even had a title agent come to the house to close the day we left on our vacation rather than delaying closing until our return. I would recommend them. read more

This is the worst home mortgage company I've ever worked with. Every time I call I speak with a different representative and get different information on each call. I do not receive paper documents in a timely manner and have to wait more than 30 minutes on each call. I've been trying to sale my house for over 2 years and just when I think we're getting close to closing another hurdle is thrown up. The mortgage company is contacting me instead of contacting my realtor for documents that only my realtor can provide. I just want to be done two years ago done! read more

Sergey was our loan officer. Responsive, professional, empathetic. Did not make a single promise he did not keep! Shop here first...ask for Sergey! read more

Worst experience , complete incompetence all around. Have no idea what they are doing and place blame on others.

We had such a great experience refinancing our home loan through this company. We worked with Debbie Johnson and she was AMAZING. She constantly was checking in with me through out the process and always had the best attitude. I STRONGLY recommend her and this company for your home loan needs. read more

Very impressed with a conversation I just had with US Mortgages' Wilson Todd. I sought an alternate offer to compare with that I received from my current mortgage company. I had reasons to question the offer I received, and to my surprise, Wilson gave me every reason to go with that offer. The rational he offered for why he would tell his brother or best friend the same thing was revealing of someone who was more interested in being straightforward and looking for what is best for me. If this is the way they approach a cold call, asking if they could do better than the offer from my present lender, the sense of integrity and straightforwardness alone was impressive. The fact that I did not sense that Wilson was really overly concerned about "selling me" something, was also a real confidence builder. Therefore, I felt it was worthwhile to take the time to write this review and post it. I would definitely consider using this company if the circumstances were different, and Wilson could offer something competitive to me at that time. read more

Gina Hancock did a excellent job. She knows the guide lines putting together a complete package. As a result we closed on time with no issues. I would recommend her for all your mortgage needs Joe G read more

I just completed a refinance with US Mortgages and couldn't be happier with the experience. I had the pleasure of working with Michael Schiebout and he always professional and responsive. Thanks to a divorce I didn't feel that I had the greatest credit rating and was hesitant to even try to refinance even though I knew it would be the best way to get things back under control. Michael not only didn't laugh at me :) he got me a great rate and was able to clear all my "divorce debt" in the process. Even though I only closed a couple of days ago, the financial relief I am feeling cannot be measured. I cannot thank Michael and US Mortgages enough. In addition to the mortgage savings Michael also noticed I was paying way too much for homeowners insurance. He put me in touch with a local agent who, after reviewing my policies, was able to save me $1200+ a year between home and auto. If you're a veteran I highly recommend giving these guys a call. Not only do they embrace working with the VA and veterans they are familiar with the processes and requirements as well and will make the process as seamless as possible. read more

I started my refinance on the 25th of July with Heidi from US Mortgages. From the beginning the process was easy and smooth. I reached out to them and they called me back promptly. Heidi and I talked about what I was looking for. She gave me a few options and I decided on a loan that met my current needs. We were able to close on 08/18. There were no issues from beginning to end. Heidi was in direct contact just about every step of the way. I would not hesitate using or referring to US Mortgages in the future. read more

Heidi was amazing to work with. We had a pretty complicated refinance- I own my own business, had some personal history that muddied the waters- and we navigated everything and closed in 18 days. Heidi was on top of everything, and didn't miss a single phone call, and responded within minutes to my emails, questions, and any concerns that arose. We're clients for life. read more

We started the process of refinancing nearly 2 years ago, a process that should have taken a couple of months at most. They stop responding to calls, emails, then have you resign new documents, only to tell you that you have to redo the entire thing again. Three appraisals, three closings and money out of pocket on the 3rd closing that was due to their issues not ours. I would not recommend them and will certainly never deal with them again for any reason. They actually saved us very little money over all and the angst of dealing with them was definitely not worth it. Save yourself the trauma and go to a mortgage company that actually cares about what they are doing or at least makes it seem that way. 2 years of misery for nothing. read more

Worst experience. Do not use this company as they will waste your time and not deliver on their promises. Understated and take your business elsewhere! read more

I was very unimpressed with US Mortgages, specifically George Hagar. My husband and I worked with him for over 3 months for what should have been a very easy refi on our home. He would ask for paperwork over and over and it seemed like he would just give us busy work. He would set dates for 'closing' the loan....and none of the dates would ever come through. In early June 2016, he emailed us and said not to pay our mortgage bc the loan would be happening by the end of the month. I thought that seemed weird, not to pay my mortgage, but he even promised to pay any late fees we would incur. The last day of the month he told us to pay it and we wound up with our 1st late mortgage payment in 13 years! If course, we never saw the refund from the late payment. Towards the end of this process George Hagar started to get very rude on the phone and by email. When I voiced my concerns about the process of this loan he turned me over to his supervisor, Tom Fuller. Tom called me once and never called back and never answered any emails. Towards the end of July, George told me he 'found us a loan'....yay...except it was a FHA loan with mortgage insurance. When I told him I wanted a conventional loan he told me I would never be able to get a conventional loan and FHA it would have to be. I started talking to someone at a different company (who knew what they were doing) and in 20 days my husband and I closed our refi with ease. Keep in mind that US Mortgage is a broker and they will shop your numbers around till they find a loan, even if it not the kind of loan you want. While doing this last summer they pulled my credit score 4 times in 6 weeks, each time my score dropped. Keep an eye on your finances and credit scores if you go with this company.....they caused me nothing but distress! read more

I am very regretful that I chose to do business with U.S. Mortgages. I have had nothing but problems with this company and I ultimately ended up losing $5,000 in earnest money and $525 that I had paid for an appraisal by working with them. I write mostly positive reviews on Yelp but I wanted to share my experience to warn others to avoid this company. Below is a summary of my experience. Please note that that my credit score is above 700 and all documents were submitted to U.S. mortgages within 24 hours of them being requested. On 11/12/14, I notified U.S. Mortgages that I was under contract to buy a house. The contract had an appraisal objection deadline of 12/2/14, a loan objection deadline of 12/5/14, and a close date of 12/11/14. These are typical time frames for a purchase contract and I was told by their loan processor, Cassie, that there would be no problems in meeting these deadlines. About a week had passed after notifying them that the house was under contract and I was getting concerned because the appraisal had not been ordered. I was finally told by Cassie on 11/19/14 that the appraisal had been ordered and I saw that my credit card was charged for $450 that same day. I trusted that everything had been taken care of but to my dismay, I found out just three days prior to the appraisal objection deadline that Cassie had, in fact, not ordered the appraisal. This was very alarming as it was going to put my earnest money in jeopardy if the appraised value came back less than expected. To make matters worse, I was also told a few days before the appraisal objection deadline that the appraisal would be $900 because it was a "mountain property". This property is inside the town of Lyons and does not fall into a mountain property category. After complaining about what felt like a bait and switch, the price was lowered but I still had to pay more for the appraisal than I was originally told. It bothered me that we were so far into the processes and the price of the appraisal was changing at the last minute. When the appraisal finally did come in, it was 12/12/14, a full 10 days after the objection deadline and one full day after our scheduled closing. Even if the appraisal had been completed prior to the deadline in the housing contract, we still would not have been able to make the 12/11/14 closing. The loan objection deadline was 12/5/14 and I was being asked to provide additional documentation as late as 12/9/14 and 12/10/14; nearly a full month after I started the process. Again, I should have realized that I had been misled about this company's ability to meet the deadlines in the purchase contract and backed out of the process. However, it was after the 12/5/14 loan objection deadline and I could no longer get a refund on my earnest money. To add further insult, on 12/8/14, almost a full month after we started the process, I was told that they would be increasing my interest rate to 4.125% even though my rate had already been locked at 3.875%. This last minute rate increase, similar to the last minute increase in the cost of the appraisal, felt like another bait and switch. They knew it was past the loan objection deadline and if I didn't agree to the rate increase that I would lose $5,000. Even though we had missed the closing deadline, I decided to continue to work with this company because we were so far along in the process and I was able to get my realtor to have the sellers agree to a new closing date of 1/2/15. They made a request on 12/10/14 that I was not able to accommodate so I was told for the loan to get approval I would need to have a co-signer. I did as they asked and after weeks of very little work being done on the loan (which they say was due to it being the holiday season), and then a last minute scramble for additional documents, they issued a denial of the loan on the day of the closing on the house! In total, it took them 51 days to issue a denial on the mortgage. The reason for the denial was because my income was not sufficient to meet the ratios needed for the loan. They told me that my income on my tax returns under FNMA and HUD guidelines was close to -$3,000/month. Back in September 2014, they reviewed my tax returns and everything was fine. I do not believe they used FNMA and HUD guidelines when issuing my pre-approval because no approval would have ever been issued if my income was really -$3,000/month. I expressed my concern about my experience to David Shamansky, the managing member of U.S. Mortgages, and asked what he would do to make things right. He did not apologize for what had happened and suggested that if I had additional concerns that I could talk to his lawyer. After receiving a denial from U.S. Mortgages, I was able to buy the house with a loan from Elevations Credit Union. They completed everything within the deadlines of the purchase contract and there were no last minute surprises. read more

One of my complaints about this company is that they are not the ones who actually do the underwriting of the loan. They simply act as a middle man for another company so its like you are dealing with two separate companies who don't communicate very well with each other. My realtor sent over the purchase contract for the house I planned to buy. A few deadlines were missed because the underwriters were backed up with too much work, so I was told, but it looked like we were still going to be able to close because the underwriters would be finishing up soon. However, a few days before closing, the underwriter surprised my rep at U.S. mortgages by deciding that part of my income that I thought could be used, actually could not be used. It would have been nice if the underwriter would have notified us of this earlier in the process or if the U.S. Mortgages rep caught this during the pre-qualification process. (I don't necessarily blame him though, I think it has more to do with the company doing the underwriting) Because this happened just a few days before closing, I was too far along in the process to get my earnest money back. I don't like last minute surprises, especially with something as important as purchasing a house. I'm pretty upset that I lost my earnest money too. read more

I called this company to do a refinance with cash back in order to pay off debt. The personnel were friendly enough but the whole experience was disappointing. Poor attention to detail. We were pressured constantly to get things done, everything at first was rush, rush, rush so I felt like they were being graded on how fast they could get it done, not how satisfied we were with the process. Since we both work, it was not possible to meet their arbitrary deadlines and I finally told them to back off and we'd get it done when we could. Regardless, I made quite an effort to ensure that everything was done before I left on a 9-day business trip, and got confirmation that all was done before I left. But while on the trip I was contacted repeatedly about this or that detail which hadn't gotten done. This confirmed my impression that in their rush to complete everything they simply lost track of the details. The appraisal cost more than any appraisal I have ever had done. I mistakenly told the appraiser the range of values this home had been appraised at over the past 4 years, and what do you know? This appraisal came in exactly at the low end of that range, which tells me they decided to play it safe rather than do an honest appraisal. Apparently $40,000 worth of upgrades and modifications to this home made no difference. This low-ball appraisal changed the loan-to-value ratio and cost us an extra $3,000 in closing costs. The poor attention to detail extended past the closing; I was contacted 5 days later to inform me that I had missed putting one date on one piece of paper. One of the terms of the refi was that they would pay off a car loan; I provided them with the payoff amount, the account number, etc., and was told they would handle that. So I was surprised to get a check via FedEx that required me to manually write the account number on it and forward it on to the bank holding the car loan. Just one more detail that they failed to take care of. The whole process was tedious, taking more than 6 weeks from first contact, riddled with errors, and just not handled well, even though the loan people patted themselves on the back the whole time for how well they were doing. That alone got very tiring. Ultimately we got the cash back out of the refi (which was the whole reason for doing this) but it is now 7 (calendar) days after the closing and they have not yet payed off the existing mortgage. Poor attention to detail, excessive self-congratulation, and poor execution. Can't recommend them. read more

We were blessed to stumble upon Mark Wendler at US Mortgages to help with our mortgage loan!! From start to finish Mark was completely sound, and was always there if we had a question, needed advice, etc. Unlike most mortgage lenders Mark was always very positive and willing to help regardless of how tough your case may be. He is completely on point all the time and will get your loan done as fast as possible. We plan on using Mark in the future and highly recommend him for anyone looking to buy a home. If your looking for the best loan officer and have your loan completed in no time ask for Mark Wendler. He won't let you down. Guaranteed. read more

I had the privilege of working with George Hager. He made my process quite painless and actually is someone I would suggest to anyone is just looking for an honest no non sense approach to buying a home. Dude really rocks. I have 4 kids and with a 6 member family I needed to make sure the person handling my home purchase process had their head on right. If you need to get it done ask for George Hager. I used that dude and suggest him to anyone who asks me. I was worried about dealing with my first home purchase but he and US Mortgages really rocked. Got my first bill it was right on. It was a great relief to see that. A lot of crazy things can happen when buying a home. George kept it all right on track. I have a co-worker who went to George he was able to get him into a brand new home. I've given my supervisor your contact information and I'm going to give it to anyone I run into looking to buy a home. It is nice to have the honesty and integrity. The timely responses to my questions and dependability, then following through on your word. It was clean and clear. Fast. Awesome. It's nice to get to say that about my purchase. Thanks again from me and the entire Richardson family. Benjamin, Victoria, Brandon, Brooklyn, Silver, and Skyler. read more

George Hager works hard so that I don't have to. He is responsive. He knows his business. He gets answers back quickly. He makes it happen! We continue to work with him time and time again. read more

George Hager did an excellent job with our refi loan. He is super friendly, un-assuming, highly knowledgeable, transparent about the process, and was always working to ensure everything went smoothly. Everything went as he predicted it would and in the end we saved $900/month and will be making some exciting upgrades to our home. Multiple home buyers in the past and this is hands down the easiest process we've ever been through. What a great guy to work with. My wife and I strongly recommend him and US Mortgages. read more

I had the pleasure of working with George. He helped my wife and I with a refinance of our home and maybe the process simple and understandable. I would definitely recommend him to others if interested in refinancing, or any other home purchase. He seriously went to bat for us and got us an amazing deal. read more

My partner and I worked with George H. He was very helpful and tried to make our loan as simple and easy as possible. He also help us to find cheaper auto and home owners insurance in the process. We enjoyed working with George very much and would recommend him highly. We now have everything consolidated and pay 500.00 less in bills every month. He really went to bat for us through the whole process. read more

Bought my first home with George Hager assisting from start to finish! Huge help, always available and reliable, all rare in today's age. Looking forward to working with him in the future for home #2! read more

Keith and Cassie did a great job on my first ever refi. No bumps in the road, no delays, just smooth. It's not rocket science. Get your act together before you decide to buy or refi. Have accurate records and you won't have any problems. Highly recommended. read more

TERRIBLE! Should have know when my wife personally delivered paperwork with my 13 year old daughter and her 84 year old mom and was chastised for coming to the office without an appointment! Should have walked away then. Very poor response time. Wasted our time. Too busy for us. What jerks! $850.00 for appraisal! STAY AWAY from these JERKS! WARNING DANGER, DANGER! Have had several mortgages and these clowns are by far the worst to work with. Stay away. read more

We had a great experience with US Mortgages. They were fair, honest and always communicated in a timely manner. When we ran into a few bumps they worked hard to overcome them. Honestly, I was hesitant to use a company that advertised so much through media outlets. I am glad I took the chance. We worked with Keri Keller and she was a champ!!! read more

I would like to recommend US Mortgages as a company to refinance a loan with. Heidi M. w/ US mortgages went above and beyond with our loan. She has strong communication skills and was always available for us every step of the way to answer any questions. THANK YOU Heidi & US Mortgages!!! read more

I was the co-borrower on a loan request from US Mortgages and I felt that the experience was completely unsatisfactory on many levels. For the sake of brevity, I will address only three issues here: the lengthy process, unprofessional rudeness to our real estate agent, and a request from the owner of US Mortgages for my husband and I to begin dismantling our IRAs, a request which ultimately proved to be unnecessary. The application process was so lengthy that deadlines on earnest money, the appraisal and multiple closing deadlines with the sellers went by the wayside. The sellers agreed to a number of extensions for the closing date, but when the owner of US Mortgages extended the "clear to close" (yet again) to the 31st of December because he was working with a "skeleton crew" (his words), the sellers balked and would only accept an extension to the 23rd of December. Our real estate agent did the only thing she could do to keep the sellers onboard and extended the closing to the 23rd in the hope that US Mortgages might somehow come through for us. The owner of US Mortgages sent what I consider to be a very rude and unprofessional email to our real estate agent. Some of the words in the email were all in upper case letters which normally indicates someone is shouting and he threatened to quit working on our loan unless the agent got an agreement for the 31st! Needless to say, both the 23rd deadline and the 31st deadline came and went. We were told by the owner of US Mortgages on December 24th that in order to satisfy HUD concerning the debt to income ratio and to get a "clear to close", my husband and I would have to start making a specific, large monthly disbursement from our IRAs. We would need to set this up immediately and provide a letter from our mutual fund representative stating that we had done so. Despite the fact that this would have major capital gains tax consequences for us, we jumped through this new hoop as well. The US Mortgages owner stated the following in an email to the borrower "...as you and I both know they can change the amount of how much they take at any time we just need to show they have requested this and the (mutual fund name deleted) rep acknowledged it". I felt very uncomfortable when I read it because it seemed to me like a shady suggestion on the owner's part! Ultimately the loan was denied on January 2nd (and on yet another closing day) in part because HUD said we didn't have a two-year history of making IRA disbursements. I personally think that the owner of a mortgage company who has a long history of working in lending would know that you have to have a two year history of disbursements! We ended up scrambling to undo the disbursements. Fortunately, on the same day that we were denied a loan by US Mortgages, the borrowers and my husband and I as co-borrowers started the loan process with a local credit union. Everyone at the credit union was cordial and professional. Our real estate agent stood by us. The sellers were patient yet again. We were provided with two loan options to choose from and neither involved IRA distributions. Within 3 weeks from start to finish we had our loan and closed on the house! read more

Worked with Gina at us mortgages for close to a year probably. I could never get her or anyone else to call me back. I basically set everything up myself. My realtor worked with the title company and gave me more info on my lending than us mortgages themselves. I got my inspection done and my appraisal, a week before my closing us mortgages calls me and tells me "we are unable to close on the house because we cannot accept your national guard pay and that puts your debt to income too high". I've been in the national guard for 6 years, had two years left in my contract but us mortgages insisted they can't use the pay because they don't know if I would stay in after the two years. Us mortgages is not very military friendly. read more

Do NOT do business with US Mortgages. Morgan is absolutely horrible to work with. She was disrespectful and rude throughout the entire process. Please save yourself the headache and find another option for your mortgage needs. read more

When we started our refinancing program, we were never told what was expected from the appraisal. Had we known, we would never have proceeded. But, alas, we did. After many steps to the process, we were first told that we would save over $400 per month from our current mortgage. We were told we would not need mortgage insurance. Throughout the process, things kept changing, and we had to resign a number of documents. Eventually, it came down to our appraisal not meeting their expectations, and the type of loan was changed. Then, because they couldn't close for the amount we had been led to believe, before they would close they also wanted us to either take out a personal loan for the balance needed, OR take a $6,000 advance on a credit card, OR purchase mortgage insurance. DON'T WORK WITH THESE PEOPLE. It's a lot of work and run around!!!!! read more

David Schmanski contacted me the day after I wrote this review and scheduled a time to talk about the areas we felt could have been done differently. I was very impressed that he was so motivated to hear our side of the story and correct some things that went wrong. We were not looking for any compensation, we just wanted to make sure that they did not do this to someone else. We feel that he was truly upset about how our loan was handled and will work to provide some additional training to his staff so that this doesn't happen again. Either way, he contacted us which was more than we expected. Thanks David! read more

This company is a JOKE!! I was employed here recently and they set me up to fail from the start. I was hired to build their purchase business (as opposed to refinance) by way of penetrating new construction companies and earning their customers. I was let go after just six weeks because USM felt like I didn't bring in enough builder business. Six weeks!! Anyone who has a pulse knows that relationships don't develop themselves overnight. The most confusing part about this is that, in less than a month, I actually DID successfully penetrate a builder resulting in a dozen leads in just a few weeks. Even more confusing, USM didn't even have a construction lender to work the deals I was bringing in! You see, USM is a broker, meaning they contract with actual lenders to whom they sell their loans. Ironically, none of their lenders do new construction loans! So I was hired to bring in new customers by way of home builders and USM doesn't have a lender to buy the deals. So I took it upon myself to find a construction lender and began the onboarding process just days before I was let go. At the time of my termination I had already met with four builders, had two more meetings scheduled, and was seeing immediate results from the builder I penetrated. Furthermore, I had researched and identified over 30 new prospects to target. All in just six weeks (plus I closed a loan from a lead I generated myself). This is a TRANSACTIONAL broker - meaning you are just a number to them, not a relationship. If you are seeking a company that VALUES customers for life, go somewhere else. If you are seeking a company that you can TRUST, go somewhere else. If you are seeking a company with INTEGRITY, definitely go somewhere else. read more

I refinanced my home with US Mortgages. After being denied by 2 previous companies, US Mortgages was able to help me. The process was seamless and quick. David, Kandance and Kristina were very attentive and were there to answer all of my questions in a timely manner. The whole process was so simple, it was almost to good to be true! read more

I very recently obtained a mortgage loan through the assistance of US Mortgages. Our loan officer was Gina Hancock and I am writing this note of thanks because of the most excellent service that she provided to us. We contacted Gina in mid-March, 2015, after having trouble with obtaining a loan through another mortgage company. My adult daughter had previously gone through some major health issues and when we started our journey to buy a home, we found that some of her medical bills had been incorrectly charged to my credit report. Though we paid the bills and corrected the error, the damage had been done and we thought our plans for a new home were gone. That's when we reached out to Gina and US Mortgages and she gave us renewed hope. During the process, I found that buying a home was not the same as it was the last time I went through it in 2003. It is much more involved and quite honestly, stressful! I encountered many challenges and I am convinced that I made it through the journey only because Gina was by my side. There were times when I was so very emotionally and mentally overwhelmed, that I believed that we couldn't overcome the hurdles presented to us and our dream had died. In these cases, Gina kept the hope alive, working with me to provide what was needed and providing the mental and emotional encouragement that pulled me through, helping me to get through each situation one at a time. She was amazing! I honestly believe that her expertise and great customer service is the only reason that I am in my new home today , because more than a few times, I was ready to walk away and forget the whole idea. Through it all, she was empathic when I was frustrated and scared, encouraged me back to sanity and helped me to retain the belief that this would happen for me! Only through her professional support was I able to find the solutions needed and the ability to knock each challenge out of the park, ... one by one. I really appreciate Gina more that I can express. In my previous experiences with home buying, the lending people were individuals from big banks, who I really never talked to and I only needed to deal until my loan was approved. We were in each others lives for a reason... for a time, and then they went away, with goals reached but names forgotten. We were a file number and we were ok with that I guess, because that is how it was suppose to be. US Mortgages cracks that myth! My recent home buying experience is over and I tell you, I will never forget Gina, and in fact, I even miss talking with her on a regular basis. She cared enough to help my family attain our hopes and dreams, and her actions continue to bless us as we begin the rest of our lives, in this house that we love. I also know that Morgan Hess played an important role for our successful outcome. We would like to say we thank her too, and appreciate her work and support. US Mortgages really provides a great service that is much needed. This world needs more agencies who go the extra steps to bring true caring and quality customer service. This a rare and valuable attribute. US Mortgages is truly bringing light to our world. I will definitely send family and friends to them, with the confidence that they will be provided with the best service in the field. read more