Union Home Mortgage

Just because there is a problem with this account is no reason for you to negatively report my credit status until we resolve this problem. This is between Union Home Mortgage and Reliant Capital Investment, not me directly, so why attack my credit score before it can be resolved? I've worked hard to maintain decent scores, but this is totally unfair, and I'm going to keep complaining.

It has been a complete nightmare. To say the least. If I can say anything is do not trust them, go with someone else. I have been lied to many times by the loan officer RC and then by team lead Audrey Zeleznik. RC the loan officer said I would get a 1 time close on my construction loan he reassured me hundreds of times every time we spoke on the phone that it was a 1 time close and for that reason, once approved I didn’t have to worry about providing End of year taxed or proof of income or anything again. I was looking into other mortgage companies and they all said once the construction is done then we have to reapprove you. I talked to RC and asked him if this was the case for UHM too and gain he reassured me no more documents would be needed. I decide to go with them because I love this idea of 1 time close only having to be approved once. We start construction and the builder is not going to be done by the 12th month. I get worried and call RC to let him know the situation and ask him if this is going to cause any issues with the loan because construction is delayed, and I am also about to file taxes for the year and they are going to be lower. He said it was not a problem at all its a 1 time close we won’t ask you for documents again. But meanwhile I did have to pay $2000 every month for the rate lock extension and interest on the loan. I was very stressed but that’s what I did. When construction is done at 17 months, they start asking me for ALL the documents for the recent year again and for the end of year taxes. I am worried and don’t understand what is happening. I call RC he says not to worry he doesn’t understand why they are asking me for all this if is not necessary a week goes by, I don’t hear anything, but I get another email asking questions and saying they can verify my income. Again, I call RC he said don’t worry it has been approved you just need to sign and we are good to go. A few days go by and I don’t receive the email to sign I have to reach out to them asking when the documents will be ready to sign. SURPRISE there is no approval and they are having a hard time approving my loan! I already sold my house and have moved into my new house and I don’t have a mortgage but meanwhile I have to be paying for extension and interest every month Almost $4k every month. I ask them to please help me get this resolved. A month goes by no one has reached out to say anything I have to reach out for help they tell me they are waiting on corporate; weeks go by and again nothing. I reach out they say they will transfer my file to corporate and they will help me. Thats when Audrey calls me says Corporate is working on my file and they will have answers for me by the end of the week or early the following week. I tell her I am going on the third month and I am stressed put paying extensions every month she tells me don't worry you don’t have to pay for the extension and your rate will remain lock. Are you sure?! she said yes absolutely you don’t have to pay it. End of week comes I haven’t heard anything I start to worry what if just like with RC she is telling me one thing and it’s not true. I send her an email can you please confirm out conversation today regarding the rate lock. No response. Monday no response. I send another email again no response. I start sending email to everyone I can copy and explaining what Audrey has said to me. No one can reassure me anything. Mid-week Audrey never called me with an update like she said she would and only sent me an email saying she can make NO commitments until I pay for the interest. Which I am fine with but why didn’t she tell me that last week when she reassured over the phone that I didn’t have to pay for the extension. I responded letting her know was not a problem to please call me to make payment and if then she could commit to what she previously said. the only response was "I am waiting for senior management as previously mentioned and I can advise" Again on the phone she tells me one thing and by email another thing. I can tell you doing business with UHM is the worst mistake I could have done. Ever since that day I have been worried every day. All day I wake up worried and I go to sleep worried. Waiting to hear from UHM.

They are a great team, made refinancing easy a helped to keep my rate as low as they could. I had issues with Wells Fargo and they were very patient and helpful figuring out what I had to do. Patrick Ly was a great help and I recommend using him if you live around the DELMARVA area.