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It was a very frustrating & disappointing experience with this company.
I applied for our home Refi in Early March . I was given a 2.99% interest rate by agent CDuong , then I was told that if I get a better rate in 2 was they can beat it. I was able to get a better rate @ 2.875 from another loan co. Mr. Duong was not able to go lower than 2,875 but just match the rate with the incentive of $500. Less from the loan cost. We agreed on the terms & the rate locked @2.875% with the loan to close on June 14 as indicated on his text mesg. We sent all the documents that were requested to CDuong . Then in early July he told me that our DTI WAS HIGH , surprised to hear that after 3 mos of waiting, they just figured that out when they have all our docs & excellent Fico. We sent him our latest tax return of 2019 that showed our higher income & he said in order to qualify I have to include in new loan our car loan of $210**. So I already agreed & he said all is fine now . All we had to do is wait for the final disclosures to be prepared by the underwriter & loan processor was told that they will send a notary for us to sign the docs. After 2 weeks I didn’t hear from The agent so I started calling to check when will we close, I can’t get hold of him but just left messages & text & when I call the office sometimes there’s someone who answers & when they check my account they said my loan looks good as per their supervisor , a lot of times it’s only a recording when I call but my calls were never returned. By July 30 my rate expired & that’s the only time I got hold of Charles , he seemed surprised that nothing was done on my loan. I was upset to know that they will charge extra since the lock expired.
This was the worst experience we had doing a Refi & definitely not going to recommend this company to my friends.
In a way it opened another door for us to look for a much better company that is now processing our loan with 2.75 % rate lock , our loan amount is only $351**0 compared to yours @ $379**0 bec you required to add the car loan in order to approve it.
Received an immediate text from a "Senior" Loan Officer who asked me to do a few things and I asked to set up a time to speak. She then asked me to fill out financial information and I asked for a little more guidance and was "ghosted!"
I texted back after the weekend and still have not heard anything. If this is how they start the beginning of the process, imagine what the actual process is like!!!
Complete Bait and Switch!! And they solicit info from your friends.
They make it seem easy up front by saving you time with the online application process (Which IS easy!) but after you go through the process you find out that what they quoted you wasn't near what they used to get you in the door. (I understand that they have limited information on the front end, but it APPEARS like they are just throwing low numbers out there to get you to click and apply, but I have perfect credit, 65% LTV, long employment record and plenty of cash to close, and I was still given much higher numbers.) They advertised on lending tree that there were no points, but the only way to get to the lowest rate (not even the low rate they advertised) was to make you pay points, (or prepaid int********.don't be scammed by poi*****.they are just making you prepay your interest at closing to make you think you are getting a lower rate).
Rate was higher, closing costs were double and to top it off they tell you that you can get $50 off of your closing costs for every friend that "vouches" for you. They don't tell YOU that they are going to ask your friends a lot of personal questions so they can make a "soft pull" of their credit to generate future leads. That literally ask your friends for permission to pull their credit!!! SHAME ON THE***.it made me look like a fool and I had to apologize to 10 different friends.
I asked them to permanently remove all of my information and to delete all of my friends information as well. They said they would, but we will see.
JUST BE UPFRONT WITH PEOPLE!!! Your website was great and made things easy, but the rest of it made y'all seem dishonest and shady. Lending Tree, you need to do a better job of screening your affiliates.
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