Wyndham Capital Mortgage

it was a good experience

the entire process was very easy I'm so glad that I worked with them this is a test the entire process was very easy I'm so glad that I worked with them this is a test

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Russ did a fair job and is a nice guy.

Russ is a good salesman. That is not a bad thing. He did his job and moved me along to the next "guy." Most of these internet based mortgage companies do a similar deal. With any type of dea***.do your homework and watch them like a hawk. Fortunately, I have a robust legal and admin team that stewards my business activities. Thier were two specific circumstances that I (my team), had to step in and provide the necessary guidance/expertise in getting this loan closed. I am lucky. I have people. Not everyone has this resource. If you are not prepared to watch your interests and check/question thier work; it maybe best to use a local loan resource. You can save money using the internet. In today's lending market the consumer has a myriad of choices from internet based to in-person contact. Regardless of who you use, it is ultimately up to you to protect your interests.

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Wyndham

They were very customer friendly.

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Georgia

My experience with Isaac Alexander was very good. He was very responsive and readily available when questions or concerns that I had needed to be addressed. The problems that I had were with the supporting staff for Isaac/Wyndham Capital. Once it left the attention of Isaac things went very slowly and the inability to respond to simple request or concerns took days to have a response. I believe that much of the problems result in many loans coming through WC and the lack of personal and training attributed to the lack of responsiveness and attention that I received.

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Late to the Dance

Never heard from these guys in person, emails only. Never discussed rates or closing costs, had already locked with other vendor by the time these folks contacted me.

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not an offer; I had to do all the work

Positive: I got an email message from a real person with a direct phone number, and he followed up by phone a couple of days later.

Negative: The email message basically said, "Come fill out the mortgage application on our web site and we'll show you some rates." That's not an offer, in my opinion.

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Mixed Feelings

Wyndham was very good at the beginning when we had chosen them. After reporting income, etc, the offered a pre-approval letter without hassle and everything seemed to go without a problem. When we picked a condo and signed the paperwork with our developer, things went sour after Wyndham dragged their feet and misdirected an appraiser that had to come to the property 3 different times to get additional information needed for underwriting. Slowly the 30 day closing date was approaching and communication between the originator and me was sub par. We missed the 30 day closing by 2 weeks despite many urgent requests, they seem to not realize the situation. It seems ODD that someone with a 780 FICO score, 20% down traditional mortgage couldn't close in a timely fashion and it made me look bad to developer. Despite the frustrations, things that were positive were the lower closing costs and rate. Also towards the end, Michelle and Judy really came through in the last couple days before closing working very diligently. In summary, responsiveness is sub par. They started well and ended well but the underwriting phase lacked polish and professionalism.

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