At Network Funding, we embrace the role of technology in the mortgage loan process. However, we believe that it is no substitute for one-on-one interaction with our clients. Our number one goal at Network Funding is to help our clients understand how their mortgage works and to provide them with the best option to put them on the right track to financial freedom. Network Funding is committed to our customers, if you don’t believe us, check out Network Funding’s reviews to see what other LendingTree customers are saying.
I am a first time home buyer. I expected this process to be lengthy and involved. I also thought, I knew what I was getting into. Boy was I wrong.
When I was first contacted by my loan officer, Brad Richards, who I must admit, is wonderful, we discussed a fixed rate for a 30 yr mortgage at 3.5% with a 4.0% APR. I was very satisfied with this, to the point I dropped my initial lender and gave Brad my business. Weeks later I would receive my first set of disclosures. The rates had gone up to 3.625% and 4.1%. I questioned Brad on this matter and he assured me there was nothing to worry about and that their company prefers to over estimate so that there are no surprises at closing. Satisfied with this answer, I continued on. Yesterday, 13 days before closing, I received my final set of disclosures. Enclosed was my locked in rate of 3.75% and 4.24% APR. Furious, I called Brad. He told me the market had changed and average rates were at 3.7%. Not buying that, I phoned my initial lender. He was still able to get me rates at 3.5% and 4.0%. I asked him why Network Funding could not do the same and he could only tell me that they should be able to get the same rates. Unsatisfied with my rates, I called Brad to tell him I wanted my rates fixed or I would consider taking my business elsewhere. For my troubles, I received a $475 credit (the cost of my appraisal). I was told they could not change my rates as they were comparable to the current market. They basically bent me over the barrel, dropping a bomb on me 13 days before closing. Because I have so little time, and fear the thought of not closing on time and asking my sellers to extend our contract, I am forced to take this kind of treatment. Never again will I use this company, nor would I ever recommend them to anyone I know. Maybe my worst enemy. And before anyone from Network Funding decides to respond to this review, let me just tell YOU, I looked TODAY, on this very site, and see that rates in Texas are as good as 3.38% with an APR of 3.5%. So don't tell me I got what the market was offering. Sell that junk to someone else.
Wonderful experience from start to finish.
This was a great experience from start to finish. My loan officer promptly responded to each and every email/phone call and completely answered every question I had. I would highly recommend Network Funding, LP and more especially Brad Richards. It was a completely painless experience.
I enjoyed the entire process. Everyone was very responsive and helpful during the purchase process. They were very attentive to the details so on closing day, the process was excellent. If you buying a home, I would recommend them.
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