Low VA Rates

The writer entered into a refinance with MrMichael D [redacted] of Low VA Rates under the longstanding guarantee that the writer would receive his total escrow of approximately $back On many occasions MrD [redacted] assured the writer that he would be receiving his escrow and under good faith the writer moved forward with a VA Streamlined Refinance Just prior to closing out the deal, MrD [redacted] of Low VA Rates, changed the contract without explaining the change, he only informed the writer that there was a slight change in the amount that was to be financed The writer signed the loan agreement under information from MrD*** The writer only found out about the change in escrow payment when he called to see why he had not received it in the mail The writer finally was able to contact MrTim L [redacted] and he made several excuses by blaming Mortgage Co., (the lenders)The writer had the agreement with MrMichael D [redacted] of Low VA Rates, not Mortgage

I have been receiving flyers from this company since October The flyer is coming from this address: Low VA Rates, LLC NESte Lehi, UT The website listed ( www.veteranschoicemortgage.com ) it's fake The phone number ( 855-976-) it goes directly to Low VA Rates

Complaint: [redacted] I am rejecting this response because: You asked for a copy of the letter, I sent it to youIf I send you an email, you will SPAM my inbox.You have the information you need to take me off your mailing list Sincerely, [redacted] ***

Low VA rates is so easy to deal with I love working with the people that work there especially Curtis P [redacted] , the nicest person you ever talk to he looks out for you in every way , thank you so very much for what you have done for me

To whom this may concern: I found the "Low VA Rates" loan staff to be courteous and professional to a large degree They stayed in touch with us throughout the entire processAlso, when we needed to speak with them, long distance, they were there for usI found them to be articulate in handling their business transactions to an appreciable measureThere were some times when some of the terms may have changed, but we were reassured that everything would be alright

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Nate was very understanding and worked to make this situation rightI can honestly say that they served me well in the end Sincerely, [redacted]

This is the second time I have refinanced through LowVARates, and both times I was pleased with their service This time, MrMark L [redacted] was the mortgage officer assigned to me He was very attentative and patient with me on getting in to him whatever paperwork he needed, professional, respectful and timely on whatever he promised Sharlee, Shane and Kristen assisted Mark with the same professionalism as he I am pleased with their work, and it was nice to skip a payment this time of year!

VA Low Rates did an awesome job with my VA loan They got me qualified when no one else seemed able to do so Closed a week ago and all went through without a hitch They are certainly experts in VA loans and great on follow-up My loan officer, Brandon S [redacted] , was fantastic as was his team (Candice) Very impressed that Brandon talked to me throughout the process about optimizing on my loan and planning refinance options down the road to include how to prepare to do so I feel fine providing the highest possible recommendation for VA Low Rates and Brandon/Team

Outstanding service and Timeliness throughout the entire process Best over all closing ExperienceI have ever had

Service was excellent right through the closing being very convenient We still have not received our check for our escrow that we have comingWe do not know who paid the taxes, etc

Mr [redacted] ,I would first like to apologize for the delay on this We would love to get you the check for $ if you could please email me at craig.w***@lowvarates.com and send me your address I will have this check cut and sent in the next few business daysThanks

Low VA Rates representative _ Robert P [redacted] (NMLS # [redacted] ) was the broker for a loan that I refinanced The loan closed on April and MrP [redacted] (broker) indicated the loan was funded on April 2016, however it is now April and my previous mortgage company ( [redacted] ) indicates that they will be posting a bad credit rating to my national credit report because I have not paid my house payment to them for the month of April This loan was not paid under the advisement of MrP [redacted] who indicated that the loan would be paid off the same day that it was funded (April 2016) I believe that MrP [redacted] is not a truthful person as he will not return my telephone calls and if he does simply refers me to the Title company that is located in Erie, PA and also does not return my telephone calls I am an American Veteran and this loan is backed by the Veteran's Administration I will be filing a complaint with them next

Both Brian H***, Loan Officer, and Naomi S [redacted] , Loan Officer Assistant were extremely professional in providing first class services Brian discussed and presented the advantages which LOW VA Rates would be able to provide the best rates, services in additional to two months of mortgage free payments Naomi was superb in her abilities to effectively communicate, coordinate and synchronize every needed requirements on my part to facilitate the refinancing process She reachable, reliable and responded to all my needs and questions quickly

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

I went with Low VA Rates to get a lower interest rate on my current loanEverything went smooth at first until the endMy Loan Originator Eric Lsaid I would skip payments(that was not the case) The docs went to somebody else and I could not signI was able to get ahold of the manager around 11:30pm and he tried to do the best he couldI signed the docs the next day and Eric stated that hed pay for my late fee on my current loan(Never Happen) I paid my current lender so I would not have a day late on my current mortgage It was a hassle just trying to chase papersAfter my loan funded, The title company called me and said that I need to resign the promissory note because the processor lost it I did what a good Samaritan would do and signed and faxed it overI could of did this loan myself

After serving the NAVY for 33 years, I bought a home. Low VA rates wanted me to refinance with them at a much lower rate. almost 2% lower and 15 years less to pay. I did. I was promised a fast refinance, $1000 Cash back and no out of pocket money. Almost true. Took them 4 months to "file paper work". I owed $65, 432 on my home before they refinanced it. Now I owe $75, 996. That is $10, 564 more then I owed before! After waiting the required 45 days to get the money they promised, I started calling to see where the money was. They said the new finance company had it. So I called them, they said to call the loan officer about it that he had the money, so I again called them... this has went on now for 30 days. Now when I call Low VA rates they put me on hold or just hang up. They are very rude, nonprofessional, and dishonest. I would not recommend them to anyone. Not only am I out the $1000 but now $10, 564 further in debit.

My name is David Sand I had a very good experience with this businessThey helped me secure a hybrid VA loanNate Walker was courteous, as was his staff Most of the process was done over the internet on a secure site and with e-mails My wife and I are two satisfied sustomers

They were extremely quick and professional with my loan, had it process in less than weeks during the Christmas holiday

The Team was Awesome! Very professional they handled anything that came up in a timely mannerThey didn't string us along like other companies have for months and months causing undo debt and worries! We would recommend them over and over again! D Adams

Due to a mistake in the closing paperwork caused by Low VA Rates - our loan didn't fund and it resulted in a 30 day late on our credit because the monthly payment that was supposed to have been included in the payoff that didn't happen (and we were advised it WAS included) - didn't make it on time - but we weren't advised until it was to late. I filed a formal complaint on the main BBB website. I have letters and emails that prove and justify our complaint. I see one other complaint on this website is also involving funding, closing, and late payment issues. I filed a complaint with the Texas Department of Savings and Mortgage Lending and have gotten a very promising response. You might consider looking into that same type of agency in your state. This company only "apologizes" for the damage to our credit and the more we complain, the more they point the finger at us for the problem, instead of them. Our credit tanked almost 100 points. We are devastated.