4.5 of 5starsRead Reviews
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.
Poor communication, good 30 year rate!
The changes to their website actually make information harder to get through. They weren’t interested in talking refinance options until after we already had another loan.
Closed with Lender:
Standard predatory mortgage company
Watch your statements and keep an eye on your LTV & Payment count - it you don’t match their exact formula at the single point-in-time of one payment, they won’t automatically remove PMI or refund you for overage payments between the time it was to be removed and the date you contact them.
Good start, but quickly faded
We chose Homepoint because this was our current lender for the original loan. I can just give 2 starts for the first couple of days until I signed the application and the quick closing (although this wasn't our priority). Matt mislead us with promises to talk to management to get a better rate and low closing costs if the loan was approved quickly. But promises, responses and service quickly faded as the disclosures documents didn't show these discounts. Matt's colleague Megan Cecil called on a Saturday (less than 24 hours after receiving disclosures) threatening to add penalties if the documents were not signed promptly, but nobody was able to explain the documents content. I had to ask a friend in the banking industry to explain the numbers and documents. After this incident there was no response from neither Matt or Megan (except to ask for a review). During the closing, the closing notary who showed up home was not the same that had been calling / emailing and smelled like alcohol. Lastly I complained with the bank (internally) and filed the internal feedback over a month ago, but I never received a response or apology. Will not use them again, hopefully they sell our loan!
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