Reviews

Review Details

• Review fromlisa w

  Date: 01/23/2024

  1 star
  What a JOKE of a company. First and foremost, these people blew me up calling from different numbers. I talked to different people, and I won't lie, they had me sold. I sent them all my info. Well, Right as they were going to send me the documents, I had already spoken to a few lenders who told me that what they were offering was literally impossible, and I started seeing red flags. While I am on the phone with ******* - 5eight6-7one8-6two0seven, I started reading the reviews for the BBB, and told him it was super concerning and I would need to continue my research before committing to anything. He immediately started defending the complaints saying people complain to complain. I told him I own a business, I understand, but I also know that this many people arent complaining for a reason. I told him that it looks like they send everyone for a sketchy appraisal and then deny the loan and dont reimburse the money. He said no thats only if they arent approved. I asked him since i was about to sign the documents, what would kick back my loan and secure that my money wont just be dumped down the drain. He couldnt give me a straight answer, and just started pressuring me harder and harder. Within a four hour people of that phone call this man alone called me NINE TIMES. His colleagues (who none of their phone numbers have anything but an automated voicemail) all started blowing me up. We have exchanged multitudes of texts, first me being nice stating that I will reach out if and when I am ready. Last night, I told him I was no longer interested please delete all my info and move on. Well today hes called me another FIVE TIMES, and we exchanged texts. At one point, I told him to stop harassing me, and pressuring people into this refiance. They are total scam artists and are relentless with their "sales" and have no problem you calling like drug addicts looking for a fix. This is just insanity.STAY FAR FAR FAR AWAY.

• Review fromDwain I

  Date: 12/30/2023

  1 star
  ***********************( loan care specialist) had me pay for my appraisal $595 and just told me after a month of LIES that he had not been truthful with me concerning my $595 appraisal Refund! I should be allowed to receive my money back if and should a home appraised doesnt come back with matching numbers

• Review fromJake J

  Date: 12/12/2023

  5 stars
  I have gained a new family member in Monzier. This process was not cut and dry and it took a little longer than usual but he was with us through the whole process from beginning to end and did not let us down. He was dedicated and delivered on his promise to get this our case done. He communicates every step and he will always be a phone call away no matter when or what time it is and reassure you that things are moving and if they or not he will go the extra mile to make sure he gets it going and I mean by any means. I just want to thank you for doing your job to the absolute fullest and thanks for still even after keeping me posted and also willing to keep in touch.

• Review fromBeverly C

  Date: 12/08/2023

  5 stars
  I was skeptical at first, I didn't want to give them any information then ***** put my mind at ease. everything he said was done. the notary came to the house I filled out all of the paperwork at home. I was informed every step of the way. he said we would close on a certain date; I didn't think it was possible but that was not the case we closed right on time within 10 days to my surprise. again, a notary came to the house, and I signed all the paperwork ***** told me that the money would be direct deposited into my account and the checks to my creditors would be here in 3 to 5 business days all true. my experience with EMortgage was nothing but favorable and I would definitely recommend them to all that is looking for a refinancing. ***** gave me his phone number and his cellphone number, and I certainly called his after-business hours he always answered. I also texted him didn't matter what time and he always responded within a few minutes.

• Review fromTony P

  Date: 11/07/2023

  1 star
  Charged my debit card for an appraisal without my permission. They also, without my permission requested a payoff statement from my mortgage company. I never gave them the go ahead that I wanted to have them refinance my mortgage. This was for a possible refinance. They did refund the appraisal amount, $585, so I give them credit for that. But as of now, 2 weeks after they said they would send me a check for $30 to cover the payoff statement charged to me by my mortgage company, they have not sent me that. No one is answering their phones at their office. Their phone message system is full and not taking messages. No one has answered my messages when I have left them and no one has responded to my emails in 2 weeks either. In my opinion, these guys are to be avoided.

• Review fromJohn W

  Date: 11/07/2023

  1 star
  Absolutely stay away from this company. I was working with an ************** who was completely incompetent. I provided all information requested and I asked for a written statement breakdown of the refinance. I received it in the mail and the refinance costs were beyond ludicrous. 30k, in closing costs just to get started. I called him and said this ridiculous I am done here. He said no, those numbers are wrong. I said well, then either your lied to me, or your company is not trust worthy to even provide accurate refinance data. Either way I am done with you. He kept calling me to the point of harassment. I called and spoke to his manager, who said he would talk to him and gave me another guy just as bad. I called and said I am done with you I will find another company. Here is where it gets really interesting. The home appraiser, which whom I paid in full for the appraisal and was just about done putting it together calls me and asks why I canceled the home appraisal. I told him I didn't cancel anything. He asks me to come into his office to discuss. He shows me a stand down letter he received to immediately stop the appraisal. They paid him $300, and refunded me $250 and they kept $100 and I have no appraisal. I paid the appraisal in full, they had no right to do this, I paid for the appraisal. I later had to spend another $400 to get the appraisal for the other mortgage company I went with.So now I am receiving my home and auto insurance bill and it's not correct, and I am behind over $1,100 dollars. They told my insurance company they would be escrowing my home insurance bill, they never did, and never told me. After a few months when I got a bill from my insurance company, they said well your mortgage company is escrowing the bill so we were sending the bill to them. Again, nobody told me anything. I had no idea what was going on, as my insurance bill seemed short. I am still trying to catch the homeowners insurance bill up to date.

• Review fromPhuong H

  Date: 07/02/2023

  1 star
  Please beware of e mortgage, E is for EXCUSES. We spent $2,175.00 and going nowhere. 5/2/23 ************************* called us and ask us give him 5 mins and talk with his boss **************. *** told my wife you get $10,000.00 cash in hand, pay off all debts including 2 cars payments, your new mortgage payment is $2,044.00, and your interest rate is ****%. I asked my wife to tell *** put in writing then application can be processed.End of May they booked a notary person to sign closing documents and then they cancel. We asked why? They said waiting on HUD and FHA. At this point ******* is out of the picture. Next is our credit report disputes has to remove and Cal brought on *****************, we paid $1400 because we dont want to wait 2 months to remove disputes ourselves. 6/26/23 last day of payoff for current mortgage and same day CIC supposed update to remove all disputes and ***** also booked another notary person for closing but later cancel cant close because 1 still in dispute, now we are in deep trouble no money to make mortgage payment for ***** Luckily our family member help and paid mortgage payment on 6/27/23 and same day we found out the last dispute removed. June payment posted and requested new payoff. ***** told us it will take only half an hour to clear with underwriter because they reviewed multiple times and nothing is left once disputes removed and we have a fast pass to close. Nothing is closed or cleared as of 6/30/23. Another excuse from ***** that is under review with ************** and now interest rate is at ****%, no payoff for 2 car payments, cash on hand reduced to $7100, and mortgage payment is $2105.Cal "a coward" didnt have a decency to call us and let us know our loan has been changed. 6/17/23 I have a conversation with ***, I told him I gave them until Thursday 6/22/23 if not close please email your boss and cc me in ask for my $775 refund for appraisal. He said man to man he will do it and until this day still not seeing that email

• Review fromChristian L

  Date: 04/20/2023

  1 star

  Christian L

  Date: 04/20/2023

  WORST EXPERIENCE EVER!!I started a process for refinancing with my current lender and I made the mistake of taking into consideration the phone call from Emortgage Funding, they were very convincing and enticing with their proposal, " they were there to help me out to get an even better rate after all " so they convinced me to move my refinancing to them, they even said that I don't even have to pay my next installment to my current lender since my loan will be all paid off by that time, time passed by, my current lender was ready to close on the refinancing with at not so bad interest ( compared to the actual rates ) Emortgage assured me that my refinancing was going great and that we would be closing no later that the 28 of the month, I like things straightforward so I decided not to skip on my loan payment to keep everyone happy, (thank God I did pay on time ), the days were passing by and no info about the process of my refinancing with Emortgage , I called to get a follow up with my process and they just sent me a text telling me that they were on a conference call or something of that nature, that they will call me back later that day, at his time we have almost a month an a half since we started this ordeal, since a started to email documents to them on March 8, so here we are April 19 and I decided to call them again to know that there is nothing that the could offer me at that point since their numbers didn't work out , not just the frustration of loosing on the refinancing offer that i have from my original lender but now i would have to confront a higher interest rate thanks to the month variation on the market, if weren't for me calling to see what was going on i still would be seated wasting time since they didn't have anything to offer me, poor customer service and very deceiving , I Know that not everyone have the same experience with them but this is what just happened to me. I wish you luck if you try them.
  

  EMortgage Funding LLC

  Date: 04/28/2023

  We understand your frustration as we did everything, we could make the loan work. We communicated any time there was a change or delay. The reason why it dragged on so long is because we waited over a week to get your case number transferred to us, and then another week trying to figure out who to send the single-unit approval request for an FHA loan. It took another couple of weeks to get the documentation filled out by your homeowners association. We then sent the request to FHA, and after a few days, it was denied due to your association having too many delinquencies. We also tried to remedy the situation by flipping your loan conventional and due to criteria, we were working with we were not able to get it approved that way either. Although this was out of our control, we apologize for any inconvenience that was caused and you were refunded your full appraisal fee.

• Review fromCarla H

  Date: 04/14/2023

  5 stars
  This is the best mortgage companies I have ever worked with. My broker ************** was fantastic, she is extremely knowledgeable of all the process of getting a loan. Her ability to work well with clients as myself is excellent. Being a home buyer, I was so impressed about her ability to coordinate and conclude and accomplish all that is involved in buying a home is outstanding. I would recommend her to anyone who is looking to buy a home-On a extra note her supervisor ******** is also a very reliable individual-Thank you-*************************

• Review frommichelle y

  Date: 08/30/2022

  5 stars
  I love working for emorgage the staff is amazing and very professional.