i wish i had read other reviews before i used them

Changed rate, process took over the amount of time discussed, hit my credit twice and did so without consent My husband and I shopped around for our refinance since rates were so low. We decided on Wyndham because they had good closing costs and said we would close by the beginning of December (this was end of October). I would not let them check my credit until we agreed to go with them because I didnt want constant checks by different companies. This was made very clear! So we began the process Oct 2012. I got them all the information each time I was asked and had a new appraisal despite having had one done in August 2012. They decided we had to switch the loan 1/2 thru to just me since my spouse had opened a company up in January for liability protection. Even though he was still an employee of this company and had been for 3 years, they wouldnt use his finances. So they changed our rate, which we felt pressured to agree to since we had already done all the paperwork, appraisal, etc. Then we continued with this process. I was asked to resend several documents, paystubs, tax forms, etc which had already been faxed and emailed. They said they only had some of the documents (yet the rest of the attatchments and faxes which were all sent together were received). I attempted to get things processed and moved along rapidly since we had already moved past the original December closing and couldnt reach the employee I was passed along to as the voicemail was always full and the emails were never returned. I went through this for a week and then it was Christmas so they were closed. This sort of thing continued until January when more repeat documents were needed and finally the closing was set up. I always made room in my schedule for the appraiser and closing on short notice because I was told we were on a deadline, but no one rushed anywhere else. They also called me asking me to get my homeowners policy faxed b/c they couldnt. When I called, the office told me it was mailed the week before and so they had it somewhere (likely misplaced with my other documents). In addition they contacted me telling me we were waiting on the title several days, so I finally called the attorney myself and they sent the information out that day. Then the day after the closing I get a letter with a new credit score only to find out they hit my credit a second time without my consent. When I contacted them they said it was because it took over 90 days (their fault which they admitted) yet never asked me about this. They said "I agreed with inital documents in October that anything necessary coule be done for this" so this was "a generalized consent." They couldnt even call to tell me! Then they said the lower credit score couldnt be from their hits because inquiries cant effect credit that way. When I went to Equifax, it point blank showed their inquiries COULD in fact be the cause of my lowered credit AND I had no negative records seen on equifax to explain it another way. Regardless of why, the most frustrating point here is this whole process took almost 2 mos longer than it was initially told to me, they were slow and unavailable on several occasions, and this is why the score was even checked a second time to begin with. If they had done as they said they would I wouldnt have this second hit on my credit. I read a number of negative reviews after all of this and wish I had done so before. I never would have gone through with this.

refinance

This lender was not able to give us a better interest rate compared to another lender. The closing cost was more expensive.

Terrible! Poor Customer Service.

Bobby Maloney contacted me and he was very nice at first and very responsive. My husband & I answered all of his questions (HONESTLY) and provided all of the information he requested in a timely manner. Our loan was disapproved (via a generic email) based on "information we did not provide" as stated by Bobby in an email afterwards. We were eligible for a loan, just not the one we originally chose based on a technicality. We requested to proceed with the other loan; however, Bobby never returned our calls or emails. When I contacted his boss, I did not receive an apology for the lack of response from Bobby or for him not personally contacting us regarding our disapproval. We decided to use another company completely based on this company's poor customer service. We were approved for a loan with the other company and experienced no issues.

60 days to rejection

I got a rejection letter from this company because "ownership of the title was too complicated." In this time of foreclosures, what title is not complicated. This one by the way wasn't. And isn't their job to clarify things like that?!! In addition, Wyndham Capital considered a loan to value of 40% as "too risky" !!!! They had the nerve to tell me this 60 days into the process.

Worst service ever

Absolute worst service ever from any of my prior refinance experiences. Time delays everywhere. Took 4months to close, 2 rate extensions!! Broker (Michael) was incompetent, then quit. No one informed us so more time delays. UW (Maria) didn't return phone calls, then requested docs previously sent. Took them 1wk to get IRS transcripts that we got in 10min. New broker, then another UWer. Total waste of time. If it wasn't for the nonrefundable appraisal fee, we would have dropped the app. I absolutely would not recommend the****.to my family, to my friends, to strangers on the road.

Changed loan on us

I gave Wyndham an overall rating of a 1 even though I rated the rest higher. They gave me an excellent rate, the fees and closing costs were fair, my loan officer was very helpful but mid way through the loan process, they changed our loan on us, after we had already paid for an appraisal. We had told them all along that we did not want to escrow and even though a couple of other lenders we were working with told us we would have to, our Wyndham loan office told us we would not and that the other guys must not have the experience that he had. Turns out, the other lenders were right. We decided to not go through with Wyndham in fears that they would change something else on us in the loan and I had read others had issues with them increasing the closing costs and so on. I would be very careful of Wyndham and you might consider going with a more reputable bank because Wyndham is going to sell your loan to Chase, Bank of America, Citi or one of the other big banks anyway, that is what our loan officer told us.

Inaccurate Information

I spoke with Chad Groce on a Sunday in which he was very quick to call me after I submitted my information through Lending Tree. Within 20 minutes he had me approved for a $200,000 mortgage and told me the paperwork was on the way. Wel****.After 24 hours there was no preapproval received by email. I contacted him and suddenly his story completed changed. Not only was I no longer approved, but now I could suddenly submit all of my personal information for underwriting review and I could easily be approved. For him to have provided me with false hope and then turn a round and ask for all of my personal information was insulting. I'll never deal with them or refer to anyone.