We bought our home three years ago. The lender gave us a list of documents needed, we provided them and closed on our home without a problem. Dealing with Home Loans Today on our refi was a nightmare. They had the wrong payoff amount and I had to call our lender to provide an updated payoff. After the loan was approved, they continued to demand more and more documents. I uploaded scans into the system they provided, but half of the time they couldn't read my crystal clear scans, requiring me to send hard copies. Then they lost the hard copies. Bonnie Pater, the woman who collected the documents, continued to insist for two weeks that we had not provided the right papers. She went so far as to call our broker, without our permission, to demonstrate that we had not sent the correct docs. This was a serious breach of ethics and privacy. She finally "went back into our file" and acknowledged that we had sent the docs, but they were not "readable," so she insisted we send more hard copies (having already provided hard copies of same previously). She aggressively pushed us comstantly to send the documents, at one point telling us that it took 3 weeks for them to receive an appraisal, when in reality it took 48 hours. Having bought and sold real estate for 40 years, I have never dealt with anyone as rude and incompetent as Bonnie Pater. In complete frustration, we finally called off the loan having wasted 30 - 40 hours providing every single document she had requested and attempting to honor their endless demands.

I'm grateful to Home Loans Today for getting me the best interest rate available anywhere! They got the job done and I'm very happy with my new lower monthly payment.

The people I dealt with were very friendly and responsive. My only problem was something that may have been out of their control. For some unknown reason, my original closing date was cancelled, and I only learned of this by calling the notery to see if she was running late. She told me that she had been called earlier in the day and told the closing was cancelled. I also think the mortgage company was super cautions, I had to confirm one account on three different occastions with conference calls, including a credit card that appeared on my credit report that had been closed for over four years. I also completed some documents twice, I assume the originals were misplaced. I have never experienced this before with several different lenders. Ultimately, it all worked out and I am happy with my loan

I have refinance a couple of times and this is the first time that I applied and did everything online. Ignacio is straight forward and promises only what he could deliver. My calls are returned promptly even if I didn't leave a message. I closed in time as promised and beat the Rate lock deadline although he told me they could extend it. Lisa Jefferson was also very helpful with regards to my documents and it was pleasure talking to her over the phone. My overall experience was very good. The title company representative (Tiago Title ) was a little bit in hurry and didn't explain most of the doc unless you start asking him.

We refinanced our rental property with Home Loans Today. I was amazed we could get such a great rate on the rental. They were prompt and responsive at every step. The team was efficient and worked hard to make it all work. I would gladly recommend this company!