Bank of England Mortgage

Long drawn out situation made as short as I could. I agree working with BOE was mostly a nightmare for us as well.
Darin seemed knowledgeable and helpful. We finally had an accepted offer on a home we loved. Then it all started to fall apart. Our processor Tammy wasn't good as far as communication goes unless forced to communicate well. Usually one MAYBE two emails a day and I could never get an answered phone call or call back if I left a voicemail. The only time I could speak to her is if Darin walked down to her office with me on his phone. I would often have to call Darin to hope for clarification and he wouldn't even really know what was going on or being asked of us.. We were pulling money from 401k we didn't want to pull more than needed and we didn't get numbers quickly so we didn't get to start that process right away, which ended up taking longer than needed which put us behind. Then we made sure to double and triple check everything we were doing with money was fine. As in if I deposit an expense check from work do I need extra documentation and I was told no as long as its under a certain amount. We were told not to make extra transfers between accounts which we did try to minimize any of that. It was a struggle to get documents sometimes because we weren't clearly told what was needed of us. I would read the email I was sent from processer verbatim and the company I needed documents from was confused as to what they were asking for. We were 2 weeks away from our 3rd closing date thinking we were going to make it no problem. After having issues with Varo Bank not allowing partial statements to verify money we find out they don't do wire transfers or cashiers checks. So I call Darin slightly panicking because I know to get clear to close and move all this money might be tight and we might not make it. So he suggests that it will all be fine and to just move the money to the other bank that does wires. A week before closing we find out that our underwriter was let go so we have a new one on our case. Whose stipulations varied wildly from our last one. She made us submit 4 more documents and explain over 30 transactions with around 6 of them they had stated were from an account that they weren't even from.. So pretty much all hope was starting to fade as it seemed this underwriter couldn't read a statement at all. Then we find out that they're nervous because we transferred money from Varo Banks checking to our savings after pay days? Along with the fact we moved all our money from Varo to a different bank. Which Darin told us to do even though we didn't have clear to close yet. It got so bad that we were sending documents still the day before our closing date. The only reason we were getting decent response times from our processer was because Darin made a giant stink about us being the top priority. Then we find out the underwriter thought we were getting payday loans even though there we were not transactions depositing money in to our accounts aside from our employers direct deposits, and they know who our employers are. The branch manager had to step in and "assist" the underwriter with our clear to close. We got our clear to close barely 2 hours before our closing time as we had set up an appointment just in case. The title company wasn't super happy about it, it seemed but the woman working on our case only had one other client to do that day and it was with our realtor so they made it work. Everything was so tight we didn't even have an amount for closing. So we just had to take in money and hope it was enough so we didn't have to leave and get more. If it wasn't for Darin pushing and being in our corner in the end I don't think we would have closed on this house, especially as the seller was getting very nervous. I'm hoping I don't have any issues with them while they have my mortgage..

Working with BOE has been a complete nightmare. If I could give them lower than zero stars I would. I have been working with One BOE Lender and then a ‘loan processor’ ( I’ll be back to post their names after my loan is complete or transferred) both seem really lost in the process and get very defensive when asking questions about their process. I am
Very disappointed with how things have been going so far and I’m still mid contract waiting to close, underwriting has been sitting on my info for 2 weeks and getting anyone to send me any kind of information to keep me in the loop has been impossible. I very much would like to drop this lender all together and move to a different company, but do not want to lose the seller and house so who knows how it will play out. All I can say is stay away! Do you research! But BOE IS NOT IT.

Update since moving away from Darin and Lauren Fry who were horrible.
I have started working with a Michael Adam and Tammy.. high hopes in the beginning but it was the same crap all over again.
Cant get a response from people, asking questions is the sin of all sins, and im 6 days away from closing and now theyre telling me my debt to income ratio isnt going to work... 6 days before closing. But also said that if I could show 3 months of mortgage in my banking account before close they would still consider it.... tell me how that works. Either my debt to income ratio is a problem and needs to be addressed, OR there is something else.
Its just wild to me that DTI is something that is checked at the beginning of your loan.. not 6 days before.
These people a crap, do yourself a favor, find these reviews and go with another lender.

Just want to take the time to say Brandon Johnson is the man. If you’re looking to buy a home, contact him. You will not regret it

Started process 9/3/21 Started off great. Shawn Bond called me immediately when fillingn out a form online. Spoke at great length on the phone. Gave permission to run some numbers and have not heard back since. Numerous emails to both gentlemen and not even one reply back.