Bring all things hat need attention to the person up front. I was 2 plus months into process and surprises popped up
they were great every step of the way and John Fisher is diligent about keeping you updated and moving things to get you to your goal.
No improvements needed. I have had refis in the past and this one has been the smoothest ever. very professional. It has actually been a pleasure this time around. I would do it all over again. Thank you for all involved.
Streamline the paperwork.
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Joln was excellent. He assisted us through the entire process, kept us well informed, and made the whole experience easy and comfortable. He is an excellent representative of your company. I would highly recommend him! Thank you so much.
Let a person know if they don't have enough lines on the credit report, they will need references from the utility companies ahead of time. By, this I mean when they are trying to get pre-qualified, and this carries over to the actual finance part of the mortgage process.
Nothing I can think of. Outstanding service and communication.
When a customer tells you, you are committing tax fraud and even tells you how to fix it. Might be a good idea to listen. Also when the Escrow Officer tells you the same thing it also might be good to listen. Then even more so when the County Assessors office tells you yet again the same thing you might want to change what you are doing. I was good up till I found the taxes were being configured wrong. All above told her this as well as myself. The problem was she insisted the taxes on the property had to be listed as non-homestead on the paperwork, this was not the case as the property was already homesteaded and would remain so and be transferred to myself once the loan was closed. After the yelling fit my loan officer got into with me and I called to verify all these people told her the same thing I called back and told her what she was doing was a direct violation of Michigan RESPA she still didn't want to change it to the way it should of been. I had to threaten cancelling to whole deal before she would change the paperwork to reflect the right information, then required me to sign an affidated saying if the taxes were non-homesteaded then I would be responsible for it. If I would have let the paperwork go through the way they were your company would have taken about 800.00 dollars more from the sellers then was supposed too which would of been grounds for them to take your company to court over. I was trying to help you in that aspect, also it made my monthly payment reflect over 140.00 more a month I would have to pay. I was very disappointed after all the info I gave explaining it she still wouldn't do it the right way. My realtor which works with your company all the time has never had the taxes be an issue before she didn't understand why she made it such an issue either.
