DHI Mortgage

The worst process ever. This is my husband and I’s first time buying a home and the process has 👎. No one is ever on the same page, you find the originator requesting the same documents over and over again, our loan processor just stopped communicating all together, no clear communication and when you call them out on it they get super offended. Wait till last minute to ask for things for underwriting so at that point it’s the end of the day or the weekend and they don’t have to deal with it. The 4.99% is what sold us on going within in house but if you can find your own lender, less stress. They’ve been telling us for weeks that we’re almost done and close to our closing day but that keeps getting pushed back. 0/10 never again.

I told them that I got a pre-qualification through another company, so they said they could do better and told me to delete some disputes off of the credit bureau's and it should help me get approved and when I did it my credit instantly dropped 10 points, then they said they couldn't do anything .

We are in the end process and suddenly everything has gone sideways - I’m seeing everyone else’s poor experience, but my question is why would they bring you all the way to the end and flip the tables? I don’t get the scam or what’s in it for them??

I am trying to close on my first home, which should feel like a dream, but instead it has been a nightmare. Everyone's comments are true. I stumbled upon this new neighborhood with an approval letter already from Rocket Mortgage. Of course, they can give me a better rate at D.R. Horton, so I thought, okay, let's go with you guys. I regret that decision tremendously. Every document needed, given. Then some of the letters need to be redone. Finished and sent over, the communication... Seriously, how many times can you ask for the same letter... do you not open and check attachments? Then we go to the first builder's walkthrough. I get a phone call during that, saying they need a document, or we could not be closing in a week, which ruins my whole walkthrough, and the builder and everyone are tense. You can cut the tension with a knife. Okay, I'll get whatever you want, sent over the next day. Then, a week later, before our final walkthrough on the 18th, the morning of the walkthrough, yet again I get a phone call... Oh um, we're going to have to push your closing off from the 20th (two days later). So I ask him why and he states, "it was a mistake" on their end and they did not give the title company enough time for the wire transfer... okay, and now, you had to tell me now... you thought now was another good time to tell me before another walkthrough... Happy exciting moments were turned into aggravation and heartache... So I asked yet again what is needed... "nothing" he states, and we will close on the 26th. On the 19th, one day later, I get another request for letters. Done... Fast forward to today, the 23rd, and I follow up to make sure closing is still on for the 26th. No response until 4 hours later, asking for the same letters that were sent on the 19th.... Mind you it's now the 23rd and as mentioned before they have to have final documents over within a certain amount of time(48hrs) or the closing could be pushed off. Do better!!!! People cannot just reschedule a move like it's pizza delivery, and still no confirmation if the closing is still on. You put so much faith and trust into a mortgage company and this process, and it feels like a monopoly of deceit and charades. Only now, 30 days are tied up into working with you, and our whole family has fallen in love with a home that we don't know if we get to call ours. It's sad to see that you take advantage of the excitement and journey new homeowners have and manipulate it into an anxiety-driven and scared sale... but that's what it seems you want... fear, panic, and intimidation of losing your family's dream home that they worked hard for versus a joyous and happy ending.

On January 5, 2026, I signed a contract to purchase a new home from DR Horton. Part of that deal included massive incentives if we financed the purchase through DHI Mortgage. I immediately completed an application and was "conditionally" approved. I provided all the documents requested, always within less than 24 hours, and usually within minutes of the requests. I communicated with my loan originator faithfully, but she was sporadic at best, sometimes going several days without returning my calls or emails. She routinely provided me with incorrect information, asked for things I had already provided, etc. Ultimately, my closing was delayed not once, not twice, but three times, and we still don't know if or when we are closing. I was absolutely assured with no doubt that we would close on March 20th. Yet, as of March 18th at 9:30 am, I do not have closing disclosures and have not received any communication from DHI since yesterday afternoon when I was told they would call as soon as the final approval to close was issued. The loan originator with whom I originally started has been fired - from what I can ascertain, for her total and complete lack of success with my file and presumably with others. While that purports to correct the problem, all it really does is leave DHI one person short as we try to get across the finish line with my mortgage. I am currently living in a hotel. I am beyond stressed, and no one at DHI seems to care. They do not answer the phone. They do not respond to emails. When I call, I get voicemails saying, "I'm out of the office enjoying time with my family," or auto-responses to emails informing me that the person I emailed is out of the office on vacation, meanwhile my nearly three-month-long ordeal continues. They've gotten me to pull $30,000 out of my retirement accounts to fund this deal, and now it appears that it's going to fall through due to their gross negligence. I am going to be left having spent time, money, and energy on a process with a company that is as horrendous as they come, along with a $12,000 tax hit on the retirement funds withdrawn. I would strongly advise anyone looking for a home NOT to use DHI Mortgage. The people at DR Horton were amazing, but it is really sad that DHI Mortgage is so terrible that they have extinguished any desire I have to ever attempt to purchase a home again.

Pre-approved, all documents were delivered in a timely manner, and the process seemed smooth until it wasn't. They waited until the week prior to closing to request additional documents, many of which I had already delivered. They do not have centralized communication, and I feel like I have to contact four different people to try to get answers. I do not have a point of contact that understands military documentation, whom I can trust and who can keep me up to date. My wife and I are left with severe anxiety, and we are four days away from figuring out if we will be moving into our new home or if we will have a truck full of household goods and be without a home for at least a month. I do not recommend for anyone who is military. Stay clear from DHI mortgage if you are a military member or veteran.

Everyone and everything about DHI Mortgage was truly AMAZING! For two years, Lisa Deriso has been trying to get a new home for me and my wife. When we were down, she lifted us up. When things seemed hopeless, she wouldn't let us give up. It is because of HER that I have FINALLY been able to give my wife her dream: a new house. I will forever be indebted to Lisa Deriso and Jess McClure for what they have done for me. On a scale of 1 to 10, they, along with DHI Mortgage in general, would rate an 11.

I would give 0 stars. Every single review here is correct. They are the absolute worst. I am a real estate agent with 10 years of experience and only used them for a credit they were offering on my personal purchase. They literally ruined my and my family's life. My loan officer quit halfway through, and now the whole deal has fallen apart, putting all of us in the worst situation imaginable. I would pay to never be contacted by them again. Absolutely disgusting, irresponsible, unprofessional, and not knowledgeable. Please stay away from these awful people.

Had two different loan officers. One said to me, "Maybe this isn't the house for you." The second loan officer was impatient while waiting for one document. I am going with a different company.

Paul Keesee with the Smyrna TN office was outstanding. I challenged him on some of the review concerns, and he assured me he would do what he needed. But we needed to do our part—don't change jobs, don't change the financial profile, don't buy a new car or furniture on credit, and quickly respond to all requests. We did, and it couldn't have been smoother. He called back the same day on all our questions because he said he would right up front. A great buying experience.

DHI Mortgage and Title Review

Extremely Poor Service and Communication
I cannot recommend DHI Mortgage and Title based on our recent experience. What should have been a straightforward closing process turned into a nightmare of delays, miscommunication, and unprofessionalism.

Major Issues Encountered:
Redundant Process & Poor Communication
• Excessive and redundant requests requiring multiple interruptions to our work schedules
• Constant texts, phone calls, and emails for information already provided
• Multiple electronic document signings with uncorrected errors
Title Company Failures
• Assigned representative was unavailable with no notification to us
• No backup contact provided - had to call the main number myself to get answers
• Emails and calls went unanswered for extended periods
Closing Process Disasters
• Failed to properly explain the dual-state signing process, causing unnecessary delays
• The Jacksonville notary did not pay for overnight delivery as previously arranged
• Documents did not reach the Maryland notary until after 2 PM when previously scheduled for 10 AM
• This forced my husband to completely rearrange his day for a much later signing
Final Straw - Missing Documents
• Two days after closing (Monday, 7/28), both notaries contacted us about a missing document that DHI forgot to include
• Required us to adjust our morning schedules again for additional signings
• This delay meant keys were not available until "loan funding" - despite funds being wired from Chase to Chase on Friday 7/25 at 9:10 AM with confirmed receipt
Financial Impact on Others
• Our tenants were tasked with finding other
movers and not available for celebratory Move-in day!
• Additional moving costs incurred due to the date changes
Resolution
We ultimately canceled our loan application with DHI and switched to another company whose process was seamless and professional. The contrast was night and day.

DHI Mortgage and Title’s disorganized approach, poor communication, and lack of attention to detail cost us time, money, and significant stress. I would strongly advise looking elsewhere for your mortgage and title needs.

Mrs. A. Johnson
Non-repeat customer

Took forever and kept postponing the loan until I went with someone else. Don't recommend using; the other lender completed the loan in 2 weeks, knowing I have perfect credit.

DHI Mortgage Review: A Frustrating, Disorganized, and Poorly Managed Experience

I recently completed the mortgage process with DHI Mortgage, and while I’m grateful to finally be in my home, I feel it’s important to share my experience in hopes that this company takes real steps toward improvement.

From start to finish, I encountered delayed turnarounds, poor communication, conflicting information, and a serious lack of urgency. What should have been an exciting and well-supported part of the homebuying journey became a source of constant frustration.

Despite DHI’s affiliation with the builder, DR Horton, the mortgage side lacked the coordination and efficiency that should be expected — especially when timelines matter so much.

❌ Shifting Blame Instead of Owning Delays

Throughout the process, I was given conflicting, and at times what felt like made-up explanations. They repeatedly blamed either the appraiser or underwriting for delays, rather than providing honest updates or taking accountability. It felt like no one was truly managing the file — just passing blame down the line.

🕒 Appraisal Dropped, and It Showed

One major issue was that the appraisal was not ordered on time, even though the home had been completed for weeks. This kind of oversight should not happen in a professionally run mortgage process. It led to completely avoidable stress and a tight, uncertain timeline right before closing.

🗂️ Disorganized, Frustrating Document Requests

Another major pain point was the underwriting documentation process. I would receive a request to clarify something minor — such as a line on a bank statement — and after waiting two full days for review, I’d receive a totally unrelated request. This pattern continued right up to a week before closing. It wasn’t a case of one document triggering another — it was clear that everything wasn’t being reviewed at once, which dragged the process out unnecessarily.

If DHI had simply done a complete file review earlier, most of this could have been handled well ahead of closing. Instead, the process felt reactive, disjointed, and inefficient.

📣 What Needs to Change

DHI Mortgage seriously needs to:

•Improve communication between team members and with buyers
•Take ownership instead of shifting blame
•Streamline and consolidate the underwriting process
•Show urgency, especially as a preferred lender working with a builder on a tight schedule
•And most importantly, treat customers with transparency and respect

Buying a home is a huge milestone. It shouldn’t involve chasing your lender for updates or losing sleep wondering if your loan will be finalized on time. I sincerely hope DHI Mortgage will reflect on experiences like mine and make the necessary improvements — because buyers deserve better.

My experience with DHI has been the most exhausting and frustrating experience. These people tell you one thing and then can't deliver. Their communication is horrible, and they are abrasive and rude. They tell you to ask questions, but when you do, they talk to you as if you're an idiot. The whole process is a roller coaster ride. I had to send the same documents numerous times. There is no communication between departments. They rush you through the process but then have you waiting for answers to what is going on with the loan. I wish I could give a zero-star rating.

Do not ever use DHI Mortgage. My experience was the worst. They assigned five different people to help with my loan, and each one did not know what the previous one had done. I had very good credit, put down a hefty down payment, owned a company, and had a professional healthcare job. Each person from the DHI Mortgage team asked me to send the same paperwork to their personal email and left during the process of my loan. The subsequent person would jump in and request the same things over again. The last person closed my loan and charged me extra thousands due to delayed paperwork. I strongly dislike them, but because I had already put down a substantial security deposit for a new D.R. Horton home, I was compelled to close. I would never recommend anyone to go with them. It was a terrible experience.