I just closed my 3rd loan with HLT. Each time with Phil, my loan rep.
It went smoothly. I use HLT for many reasons. They always beat other lenders rate because they shop the rate as opposed to a single money source that gives a rate they assess. They also deliver what you want, which is a simple loan process that meets your needs with a rate that is competitive. I got tired of lenders telling me they pay closing costs and they pay or do this and that only to find out, they wrap costs into the loan and charge a higher rate which means the $1,000 they gave you today cost you $7,000 over the life of the loan. There is a reason HLT is writing so many loans, I am a 3 time repeat customer and I would use them again.
Just only closed my loan refinance with Home Loans Today.
I need to accept the great
job done by Phil and Dana as loan is closed in agreed time-window and with agreed costs.
There were issues on the way which I would address to the lack of communication and human factor:
The lender was not proactive to lock for me the best possible rate, so I had to wait when acceptable rate came up again.
Suggestion - make sure that lender understand your willingness to start refinance process immediately.
Make sure that all your important details are received and understood - especially if you have phone discussion. In my case some details corresponded in beginning were forgotten, which came up as surprise at the last moment.
By the end, receiving GFE numbers were not matching to expected. After couple of days of investigation I've got numbers in spreadsheet, where I could see where the numbers coming from - in my case lender included property tax in the closing costs, which raised the principal amount.
This might be a normal practice, but as customer I would expect that such things would be explained in advance.
As person who went through refinance first ever time I would recommend to keep process and numbers crystal clear as this is your loan being processed.
For the company I would recommend to keep doing the great job, but make the details of your hard work are clearly visible to your customers.
I truly enjoyed working with a trustworthy loan officer, who returns emails as quickly as
I locked a 30 year loan on a refinance at 3.50% on April 2, 2015
with zero costs to me with Home Loans Today, which rate was as advertised on Bankrate.com. Although I have excellent credit and income, I had a few issues like my husband being self-employed and a HELOC, which required subordination. I chose Home Loans Today because on that particular day they offered the best rate and had the best reviews. Jody Watters was the person who took my application over the phone. Jessica Skinner was the processor. I cannot say enough about these two individuals. They were professional, answered all my questions PROMPTLY. They asked for the usual (and more) documents, which I uploaded onto their secure website. The process was so smooth and without a glitch (this is my second refinance in 6 months--previous one with a different company) that I thought something was going to go wrong at the last minute. My loan closed as scheduled and without ANY issues on May 18th. Thank you, Jody, Jessica and Home Loans Today for making my experience with you so pleasant.
My second refi with HLT. I got great rate as promised and everything went smoothly.
I am in WA while HLT is in FL, but they provide in house underwritting so that I can stay home for document signing.