I recently refinanced through Texas Lending and my experience was initial ok until later on when it came time to complete paperwork or get information on why the mortgage amount changed. I had to reach out to the Loan office a few times to ask why there was an increase or what a specific are wa for. Although I am responsible for reviewing and catching what I deem as questionable, it is also on the Loan Officer to tell me when there is a change in the details of what we discussed.
At closing, the date and month extention I requested initially which he stated was not an issue, was neglected. I found out about this the day of closing. The initial discussion I had with him was crystal clear on what I wanted and why. Even going on vacation, I ran back and forth to a location to send information to him which had to be resigned several times because his instructions were incorrect or not clear. After a conversation with him, he stated that the dates could be pushed out but it is difficult to take time off work especially when this had already been done. Also, during a discussion about the increase in mortgage, I asked why and he said it was due to the Insurance where an estimate was used and that I can understand but for him to tell me “you can shop around for a lower rate, it’s up to you, I really don’t care” is completely unprofessional and should not happen in a business setting. If that is the case go work in Systems or behind the sense
Finally, my experience felt like a factory production line where it was about numbers and total loans closed with little regard for the people they were dealing with.