NMLS# 7706

Home Point Financial Corporation

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

Review Breakdown

Showing 2 star reviews | Show all reviews

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:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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.

  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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!

Hello Arturo, My apologies for not responding sooner. I'd like to address your review and hope that we can provide some clarity to something clearly misunderstood. When we first spoke I told you I would move mountains to get you the best product and service I could. Upon agreeing to the terms we secured the rate and began the process. There was no conversation of lowering cost down the road. I tell all my customers a processor does take over the file to see it to the finish line, but if there is an issue you can call me at any time noon or night. The issues you had with Megan weren't brought to my attention nor would I ever condone someone saying that to my customers. So all I can do in regards to that is offer my apology that it happened. Additionally, I encourage customers to let us know how we did. However, this page is focused on the job that I performed, not that of my peers. I'd ask you consider that while reviewing in the future. I do wish you the best.
  • LendingTree Customer:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

Loan officer directory

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Home Point Financial Corporation

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