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Inlanta Mortgage, Inc.

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Reviews Inlanta Mortgage, Inc.

Inlanta Mortgage, Inc. Reviews (6)

Review: I was required to take a Housing Counselling Class in order to apply for a mortgage. I had to pay for the course out of my pocket and then weeks later my loan was denied because their sales person wasn't properly educated.Desired Settlement: I would like an exception to the denial and be allowed to continue with the mortgage process. If that is not possible then I demand a refund of $250.00 which was the cost of the Housing Counselling Class.Supporting documentation for this claim can be downloaded 1 time from the following [redacted]The link is valid for one month from today.

Business

Response:

We regret that we were unable to approve the application for financing submitted by Mr. [redacted]. We are refunding the requested $250..00 as a good faith measure and will mail the funds directly to Mr. [redacted].

We understand that Mr. [redacted] has consulted with FHA and believes he qualifies for the "Back to Work - Extenuating Circumstances" provision outlined in Mortgagee Letter 2013-26 provided by Mr. Leonard and attached. We encourage Mr. [redacted] to seek approval for this program with another lender who may interpret the guidelines differently than our company does. His counseling certificate obtained is tranportable and should be accepted by any lender.

We wish Mr. [redacted] the best of luck in the future. Inlanta prides ourselves in our customer service and regrets not being able to provide financing for all applicants. We hope he knows we treated his application with great importance.

If you have any further questions, feel free to contact me anytime. My direct phone number is ###-###-####.

Regards,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I would like to file a complaint regarding some very very poor customer service that I received from a Branch Manager in Madison Wi. I applied for a mortgage in Aug 2014 and was contacted by [redacted] and after a phone conversation between us he stated that he would be able to help us with the knowledge that my credit scores were very low. He stated with my score of 600 that he would be able to obtain a mortgage of 125,000 for me and that Inlanta would underwite it. With this knowledge my boyfriend and I started looking for homes to purchase .. I again tried to contact him on Sept 12,2014 .. I left him two messages for him to return my calls with no response.. I again tried on Monday September 15, 2014 but was informed that he was at a convention for two days . I called on Wed September 17 at 9:00 am and left another message. I waited until 4:30 pm and contacted the [redacted] Wi office and spoke to one of their officers about my frustration with this. Approximately 7:30 PM that evening I received a phone call from [redacted], He stated that he would be sending me an email the next day with the information that he needed to send to the underwriters. I received the email on Sept 18. I sent everything back to him the same day and also sent some more information the next day. I tried to contact him on Mon Sept 22 with no response and then again on Tues Sept 23.. My boyfriend tried to call him also and he received a text from [redacted] to leave him a message.. [redacted] called at 7:00 pm that evening. My boyfriend spoke with him and [redacted] said he would be emailing something to me the next morning. I never received it so we tried to contact him with no response... I found out later from another branch manager that [redacted] had lied to me . I feel this is very very poor customer service.. Is it truly that hard to say yes or no when someone asks if they can get a loan?Desired Settlement: I would like an apology from [redacted] himself.. I received a phone call from the compliance manager Jean and after speaking with her I felt that Inlanta was trying to sweep this under the carpet.. She stated that Inlanta could offer me a mortgage of 93,000 instead of 125,000. What happened to the rest? I felt insulted by this. I realize that because of my credit score that I can not get a mortgage at this time but customer service goes a long way. [redacted] should own up to his mistakes .

Business

Response:

We have reviewed the file and correspondence regarding the above referenced complaint filedagainst Inlanta Mortgage, Inc. (“Inlanta”).The customer, Ms. [redacted] contacted our Madison office in regards to a pre-approval on 8/18/14,2014 and contacted the corporate office of Inlanta on 9/25/14. We responded immediately to herconcern, extending our apologies to her for the response time she received to her inquiries into apre-approval request with [redacted] in our Madison branch location.We reviewed the correspondence that Ms. [redacted] had with our staff both in the Madison office aswell as the [redacted] branch office who also spoke with her on a couple occasions. Weunderstand why Ms. [redacted] felt frustrated, but we are not at liberty to share with her anyemployee disciplinary action we may or may not take based on our review of the circumstances.I personally spoke with Ms. [redacted] on Monday, September 29th after I had interviewed Mr.March in our [redacted] office and Mr. [redacted] in our Madison office. I assured her that we donot take matters like this lightly and that we could be taking the appropriate steps when the SeniorManagement team met the next day on Tuesday, September 30th. I’ve included a voicemailmessage we received from Ms. [redacted] indicating she would not be filing a complaint with theRevdex.com. When I spoke with Ms. [redacted] she did not indicate that she wanted a personal apologyfrom Mr. [redacted]. We have now included one based on her request in the complaint she chose tofile.Inlanta has held strong lending values for over 20 years. We pride ourselves in our customerservice. We also pride ourselves in maintaining not only our customer’s privacy rights, but alsoour employee’s privacy rights. We do not feel it is fair to our employees to share with ourcustomers any corrective actions taken, but again deeply apologize to Ms. [redacted] for herfrustrations. We did not take this matter lightly and by no means did we “sweep this under thecarpet”. If Ms. [redacted] would want to pursue her request for pre-approval, we would be more than happyto continue working with her and determining the right loan amount for her based on currentfinancial status, or help her with what steps she can take to help build a stronger credit profile,which in turn offers more home buying options. I know Mr. March in our [redacted] office will bemore than happy to continue working with Ms. [redacted].If you have any further questions, feel free to contact me anytime.

Consumer

Response:

I am a veteran with over 27 years of combined Federal service, both military and civil service. I returned from overseas in 2014 to become caretaker for my wife who had a brain tumor removed. Upon my return I bought a home in Ohio and share it with my daughter and family (2 grandchildren) My wife had improved and we sought to purchase a home in Florida close to friends. My wife is from the Philippines and Ohio was just too cold. We traveled to Florida in October of this year and hired a realtor and after many viewings settled on a small house. I spoke to my friend who recommended your company and spoke with your representative.
Submitting the requested documentation things seemed to be going well and upon receipt of a mortgage commitment letter on Nov 24th I arranged to have approximately 7,500 lbs. of household effects sent to Port Charlotte Florida at an expense of almost $8,000 with an arrival/delivery date of 1-7 December as we were scheduled to close on November 30th. Driving from Ohio to Florida I was contacted by your representative and asked to resubmit documentation and although traveling did this using wifi services in fast food restaurants, once again targeting the 30 Nov close date. On November 29th was told that the 30th closure date would slip and more documentation was needed. I did this quickly as I knew my goods were in transit. The driver of the moving van contacted me on the 29th calling me to set up a delivery. I told him Inlanta was having some difficulties and I was working with them to resolve any issues. The driver told me he would be in Florida until the 10th and I had a window, but that he must leave to take a shipment to Chicago on the 10th. I worked towards a close on the 4th. I was called again on the 3rd?? and told the 4th was no good as we needed settle some outstanding debt and provide a "gift letter" as some of my funds had been given to me by my 89 year old Father in New Jersey. This had shown on my bank statement, but was missed until the day before the close. On contacting my Dad he declined to provide a bank statement or gift letter I was told that his 30K gift would not count, according to the underwriters, I said I could offset that from my wife's IRA account and was told to stand by. In the interim I had charged the moving expense to my credit card and paid that off on the 7th. This would not be considered in my debt/income ratio for the 10th, although available.
The moving company called and stated they needed to deliver on the 10th or put my goods in storage at an additional cost of over $3,200. I told them to deliver on the 10th as I had been told on the 9th that all conditions of the loan had been satisfied and it would close on the 10th. A close was scheduled for 1400 at the title company.
The truck came to my home?? at 0900 (too late to cancel) and began off loading my goods; however I had received a call at approximately 0745 stating that I needed to pay off an additional debt of 4K+ before the close could occur, so I left my goods (the seller had declined to give us a key until close) all 7,500 lbs in my driveway and went to the closest branch of my bank in Venice, the location was provided by your representative, to get a cashiers check for $4,200+ to satisfy, what I thought was the last obstacle and close the loan. At the bank I spoke to my realtor who told me the amount of funds necessary to close (she was at the title company) was over $6400 dollars. I adjusted still again and thank God I received the higher amount before initiating the check as I would have made a 44 mile roundtrip and showed up at the close with the wrong amount. I received the requested amount from the bank and set my GPS speeding back to the title company. My wife and I gave the amount requested to the title company and signed all of the closing documents and our realtor gave us the keys and the additional crew I had hired (the previously paid crew had left at 1 earlier in the day after running out of time) began moving my goods into the house and garage to get them out of the elements.
Happy that this ordeal was over and we had closed, after all the stress, we were called again at approximately 6 p.m. by your representative and told that the underwriters had asked that I transfer $21,750 from my wife's IRA to my checking account and the underwriters had held up sending the funds to the title company although the entire package had been signed. I felt that we had "CLOSED" and any lack of due diligence on your part was your problem.....not mine and that I had been through the RINGER (both emotionally and physically) on this house. I needed to get my goods off the street as it was almost dark and they are worth over $75,000 and contain many personal effects, that are irreplaceable. If not for the repeated delays on the close the furniture would have been delivered, set up and I would not have had to hire an additional crew. I now have to complete the rest of this task so we have a place to sleep tonight (I am 66 year old and my wife is 67)
There is much more to this experience, but if asked I could not recommend your company and would tell any prospective client to RUN away from any dealings with you. I am a very organized person who lives by checklists. I would suggest that your company prepare checklists to qualify for your products and stick to them. Full disclosure up front would eliminate many of the problems I experienced. During this process I provided "everything" you asked for and very quickly, but the requests were very redundant and the goal posts kept moving.
I am trying to accommodate this last request, AFTER CLOSING, although it will cost me over $2,100 in tax and all your agent wants is that I move them from one account to another and both accounts had been previously disclosed. NO FUNDS will be moved. Previously I asked if any of the money in the brokerage account needed to be transferred, to offset the gift money and was told it was not necessary.
In closing, as stated previously, that this is no way to treat a customer. I was involved in customer service, both Federal and private, for over 45 years and if I treated a customer this way I would get fired, or lose the customer. I have been embarrassed, berated and cannot sleep and my wife is regressing in her recovery. I have bought and sold 7 houses in my life and those events were full of joy and expectation. We now HATE this house and the anxiety it has brought to us primarily caused by your company.

Review: Was preapproved to for financing for our home in March 2013, signed contract for builder to build home. Had to pay for apprasial, then one month prior to home to be built. Was told our file had too many layers of risk and underwriter would not approve. We are now stuck living in hotel and trying to find out financing. Would have never build home if not for this approval with the conditions of the loan offered approval form. When asked why this happened was told the guidelines for this type of mortgage changed and are no longer eligable. How is this ethical or legal? what is the point of getting a pre approval. Now we are paying for a hotel, trying to find financing and are out the money for the apprasial...Desired Settlement: Would like refund for appraisal. Would also like compensation for issues have gone through d/t their mis information. Requesting at least one week payment to hotel-They should be held accountable for this somehow. Once this mess is all over and hopefully in new home, will then possibly seek legal action-if agreement not met for this issue in terms of compensation...

Business

Response:

Attached you will find the response of the investigation into the concerns brought forth by Ms. [redacted]. We will be providing the customer with the requested disputed amount of $1,000.00 as a courtesy. Inlanta has held strong lending values for over 20 years. We pride ourselves in our customer service and regret not being able to provide financing for all applicants.

Regards,

Inlanta Mortgage, Inc.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Worse company ever. Had such a bad experience with this company, employee doesn't follow up their customers, never answer the phone and if you leave a message with someone they wouldn't return your call. The manager is very rude. The person that was working on my documents quit a week before my closing and nobody follow up with me, my documents were all over the place different people working on the case.
Have a lot of bad stuff to say about this company DO NOT GO WITH THIS COMPANY, I'll NOT recommend this place to anyone. I wouldn't even give them a 1 star they don't deserved.

Review: The lender strung us along with conditions to be meet for a loan, when the conditions were meet, more conditions were added or changed. This happened 3 times the 4 and final time we were told if we meet three conditions they would underwrite the loan, but when we meet the conditions we were told we don't like how you meet the conditions, specifically 1 condition, so we won't underwrite the loan. We were never communicated that the conditions had to be meet in a specific way. This was the problem with the other 3 times too, wasting time of myself and family, both real estate agents, and the seller. All this stretched over almost 4 months, with a 2 week period 3 weeks in where nothing was herd leaving everyone to believe all OK, with my family giving intent to move from where we are, no after all this my family and I have no where to go. The mortgage people wetter aware of this and I believe they used it to string my family along knowing they never intended to underwrite the loan. My family and I Also have a great deal of expenses wasted for nothing, well tests, movers, insurance, etc... These may neverbe rrecovered, but they want us to pay for an appraisal after wasting my time and money.Desired Settlement: Don't know I am contemplating legal action, and if violates any laws possible legal. Mostly this is warning for anyone else considering working with this company. I have no idea if the Revdex.com can resolve this but would appreciate feed back.

Business

Response:

August 1,2013

Revdex.com of Wisconsin

10019 W Greenfield Ave

Milwaukee WI 53214

Re: Complaint Case #: [redacted]

Consumer: [redacted]

Case Opened: 7/2512013

To Whom It May Concern:

Telephone: ###-###-####

Fax: ###-###-####

www.inlanta.com

We have reviewed the file and correspondences regarding the above referenced complaint filed

against Inlanta Mortgage, Inc. ("Inlanta") and have performed an internal investigation ofthe

potential loan transaction.

The application to purchase a property located in Juneau WI was taken in person on April 26,

2013. Over the course of the next few weeks the file was processed in accordance with our

standards including ordering of the appraisal (ordered April 30th and received on May 13th); hazard

insurance quote, and verification of required items. It was determined that the best product

available to service the customer was a loan made available through a program offered by the

[redacted]. The file was submitted for underwriting review on May 24th and

was initially reviewed by a VA delegated underwriter on May 29th.

In the initial review by the underwriter it was determined that several factors needed to be

reviewed per the guidelines published by the **. The customer had a limited credit profile, was

applying for fmancing that had a substantial housing "shock" (a large increase over stated current

housing expense). In addition, there were additional layers of risk with certain aspects ofthe

customer's application that needed additional documentation. In short, this was a complicated

loan that required significant underwriting effort to ensure the correct credit decision was

rendered.

As we reviewed how this application made its way through the underwriting process we were able

to document consistent ongoing communication between the underwriter and loan originator, with

the originator then updating the customer in a timely manner. After the May 29th original

suspense, unfortunately, the application was denied on June 14th. The originator and customer

elected to proceed with several rebuttals in hopes of overturning the initial credit decision which

were reviewed on June 28th, July 18th and a final denial on July 24th.

It is our opinion that we exhausted every possible option in an effort to fully document the loan

file to meet the guidelines of the VA for delegated, manual underwriting. It was never our

intention to leave a customer dissatisfied, however regrettably Mr. [redacted] is unhappy with our

diligent efforts invested on his application. Obviously, we are in the business of providing

financing and strive to help customers obtain loans whenever it is responsibly possible.

Inlanta has held strong lending values for 20 years and central to our corporate culture is that we

act as honest and ethical lenders. We take pride in our customer service and regret those situations

where we are not able to provide responsible financing solutions for an applicant. We hope that

you know that we treated this matter with great importance. While our internal investigation did

not uncover any situation where we feel that our employees did not keep the applicants best

interests at heart, we would like to resolve the issue in an amicable manner. To that end, we are

prepared to refund Mr. [redacted] the $400 fee he obtained to have an appraisal done for the property.

It is our hope that in so doing, he will understand that we would have liked to secure a loan for

him and are disappointed that we were unable to do so.

Please contact us if the customer accepts our offer of the refunded appraisal as our apology for

their dissatisfaction in our service levels.

If you have any further questions, feel free to contact me anytime.

Sincerely,

~~ [redacted]

CC: [redacted]

Consumer

Response:

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Description: Mortgage Bankers, Loans, Mortgage and Nonmortgage Loan Brokers (NAICS: 522310)

Address: 6000 Greenwood Plaza Blvd Ste 115, Greenwood Village, Colorado, United States, 80111

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