Poor Service

My experience with Wyndham has not been good. Mistake one. I had advised them when I went through the process that the flooring would be finished concrete. Initially I was told that the underwriter would not approve. I started the loan process with another lender and called to tell them that I was not proceeding with Wyndham. Surprise, Surprise. The underwriter all of a sudden had okayed the floor which I had explained was the foundation slab. Mistake two. The loan processor would not return my calls unless she needed something. The first email I got from her was a page long asking for items which I had already provided. No worries, I got them to her again. No communication again for a while and my loan was stuck in limbo. On the occasions I reached out to the loan officer that I was not hearing back from the processor, I'd get a one line email that I was not being ignored and she was busy. Seemed to be the case 95% of the time. Mistake three. Despite updated statements from banks, credit cards etc. they did not communicate when the credit supplements or checks are ordered. Same for the appraisal. Guess what the balance is going to be if they order the appraisal two days before checking your credit card balance? Mistake 4. This is my mistake completely,. I trusted them when they said they were getting things done when I kept seeing no progress. They did not write down the correct closing date, they did not finish my paperwork up to the day in advance of my closing, they had the wrong down payment listed and left me a message that they couldn't approve the loan because they needed to see more cash in my accounts, they adjusted the down payment percentage without asking for my permission because of their mistake and apparently did not have the appraisal finished 'because of the floor'. I had to contact the loan processors supervisor before any progress was made. The fact remains that they waited until the last minute for everything and did not go through the process as they should have. I don't have a problem going through another lender. I already had paperwork with them that they let me continue with, but I wasted my time and money on Wyndham. Beware that they do have a habit of telling you what you want to hear. Deal with Wyndham at your own risk. Their rates are not unique anyhow.

well done

always prompt to answer e-mails or phone calls. Acted in our best interest. I would recommend.

garbage

They are terrible.

Wyndham

Even though we didn't qualify for loan, (appraisal too low), the customer service and responsiveness from Eric Ringer and his staff were outstanding and I would highly recommend them to others.

wyndham

was impressed by the representative I spoke to. Their rate was definitiely competitive though I found one lower.

Wyndham

Fast response. Didn't use them because another lender had no costs.

BOBANG

EVERYTHING AND ALL TALKED TO NICE AND HELPFUL

Wyndham Review

The initial Lending Tree process was a little overwhelming (in a good way) with many lenders responding to my request immediately. I spoke to a number of them and chose the company with which I was most comfortable. Adam Coleman at Wyndham Capital was extremely knowledgeable and fantastic to work with. He gave me numerous options to choose from and his advice was honest and spot on. I felt like he was really trying to help me and my family, not just close on a mortgage. I would recommend Adam to anyone looking to refinance. their home.

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.

Great experience

Evan Lukacs and his colleagues did a great job guiding us through the refi process. No surprises and the paperwork requirements were much less than I anticipated. It was probably the best refi I've done in 30 years of home ownership.