NMLS# 7706

4.6 of 5stars374 Reviews

Home Point Financial Corporation

  • Recommended Lender
    Recommended 91%
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Lender Summary

Home Point Financial is a national top twenty mortgage lender focused on mortgage origination and servicing. Headquartered in Ann Arbor, Michigan, Home Point Financial operates in nearly 50 states and is dedicated to providing quality and consistency with every transaction. Our operating philosophy can be described very simply – We Care – with a mission to provide a superior customer experience through our innovative approach to product and service delivery.

What they're saying

Ratings & Reviews
374 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Home Point Financial is the Worst!

I refinance my first mortgage with Home Point in order to get rid of my PMI insurance from my first mortgage, which was around $250 a month. Three months after refinancing, Home Point raised my monthly mortgage payment by $400 a month saying that they had miscalculated my escrow. I know how much my taxes and home insurance fees are and there is no way that their calculation was even remotely correct. Rather than deal with them for the next 30 years, I refinanced again and took a little bit of a loss, but it was worth it rather than to give money to these scammers.
I refinanced with Quicken/Rocket Mortgage and they put my monthly mortgage costs exactly where they should be and I even saved a little bit more because Quicken offered me a better interest rate.
I wish I read Home Point's reviews before refinancing the first time. Hopefully, you are smarter than I was and read reviews first! Don't use them. They suck.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Customer service

I called with a question about our escrow account. The gentleman I talked to, did not bother to even let me finish explaining what we needed, before he put me on hold. He then came back with the wrong information, and got very rude with me, because he didn't understand what I was saying, mostly because he wasn't listening to what I needed in the first place. I understand our escrow circumstance is probably very unique, but I still expect to have respectful help. I still do not have the answers I need, and I have to call them back for an update in a week. In which I will have to wait another hour before I get through to someone. Very rude gentleman, and not at all pleased.

  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Horrible experience

The appraisal company that they used, Solififi, was completely inappropriate. They scammed me out of $500.

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  • Loan Type:

    Refinance
  • Review Type:

    Lender Review
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