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Reviews for Ignacio Gomez
A nightmare of lies and lost paperwork
We bought our home three years ago. The lender gave us a list of documents needed, we provided them and closed on our home without a problem. Dealing with Home Loans Today on our refi was a nightmare. They had the wrong payoff amount and I had to call our lender to provide an updated payoff. After the loan was approved, they continued to demand more and more documents. I uploaded scans into the system they provided, but half of the time they couldn't read my crystal clear scans, requiring me to send hard copies. Then they lost the hard copies. Bonnie Pater, the woman who collected the documents, continued to insist for two weeks that we had not provided the right papers. She went so far as to call our broker, without our permission, to demonstrate that we had not sent the correct docs. This was a serious breach of ethics and privacy. She finally "went back into our file" and acknowledged that we had sent the docs, but they were not "readable," so she insisted we send more hard copies (having already provided hard copies of same previously). She aggressively pushed us comstantly to send the documents, at one point telling us that it took 3 weeks for them to receive an appraisal, when in reality it took 48 hours. Having bought and sold real estate for 40 years, I have never dealt with anyone as rude and incompetent as Bonnie Pater. In complete frustration, we finally called off the loan having wasted 30 - 40 hours providing every single document she had requested and attempting to honor their endless demands.
Conventional 30 Year Fixed California
Terrible loan process and customer service
I had a terrible refinance experience with “Home Loans Today” and I do NOT recommend this LENDER. From the beginning, I was totally frustrated trying to obtain an update on the loan process, most of the time they stated that the application was still “under review”or my phone calls were just not returned. After 3 months they informed me that the loan application process had exceeded the term and the interest rate that I had originally locked in was not longer available. Of course the lender called and emailed with a new higher interest rate "offer" and with the "incentive" to close within a week (?) They were very quick obtaining my house appraisal value and it resulted $180K above the loan refinancing. I did pay $625.00 for Appraisal...WASTE OF MY MONEY!!!
Conventional 30 Year Fixed California
I got the best interest rate!
I'm grateful to Home Loans Today for getting me the best interest rate available anywhere! They got the job done and I'm very happy with my new lower monthly payment.
Conventional 30 Year Fixed California
Close but No Cigar!
The people I dealt with were very friendly and responsive. My only problem was something that may have been out of their control. For some unknown reason, my original closing date was cancelled, and I only learned of this by calling the notery to see if she was running late. She told me that she had been called earlier in the day and told the closing was cancelled. I also think the mortgage company was super cautions, I had to confirm one account on three different occastions with conference calls, including a credit card that appeared on my credit report that had been closed for over four years. I also completed some documents twice, I assume the originals were misplaced. I have never experienced this before with several different lenders. Ultimately, it all worked out and I am happy with my loan
James's Tip: Birddog the process to make sure things are moving along, expecially if you are on a tight deadline.
Other 30 Year Fixed California
They are incompetent
Warning, Do not use this lender. They charged my credit card and ordered an appraisal and condo documents and condo insurance document and on the 45th day after all tge expenses, they told me that i don't qualify for a refinance. Don't you think that they could had done their homework and find out if i qualify before they caused me 821 dollars of unnecessary expenses??? They are the worse lender to and i don't really know if they are honest. Use them at your own risk.
MIKE's Tip: Do not use them
Lender Response
We apologize for your experience with Home Loans Today. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with Home Loans Today.Conventional 30 Year Fixed California
A very good experience.
I have refinance a couple of times and this is the first time that I applied and did everything online. Ignacio is straight forward and promises only what he could deliver. My calls are returned promptly even if I didn't leave a message. I closed in time as promised and beat the Rate lock deadline although he told me they could extend it. Lisa Jefferson was also very helpful with regards to my documents and it was pleasure talking to her over the phone. My overall experience was very good. The title company representative (Tiago Title ) was a little bit in hurry and didn't explain most of the doc unless you start asking him.
Benedicto's Tip: Get your documents ready before calling or applying, it makes everything easy for both parties.
Jumbo 30 Year Fixed California
Great experience
We refinanced our rental property with Home Loans Today. I was amazed we could get such a great rate on the rental. They were prompt and responsive at every step. The team was efficient and worked hard to make it all work. I would gladly recommend this company!
Conventional 30 Year Fixed California
Easy Refi
The representatives at Home Loans Today were prompt and responsive. They communicated regularly through the refi process and we were able to get a great interest rate through them.
Michelle's Tip: Make sure you have all important documents - paystubs, tax info, bank info, etc... readily available. It makes the process much simpler on your end.
Conventional 30 Year Fixed California
Express Refinance
This was my second refinance on my primary residence and home loans today is the best. The conventional loan operation was smooth and the interest rate Mr. Gomez offered to me was greater. He is very professional and communicative; any changes or modifications were notified to me on time. The website is assume and all the documentation was send it electronically.
Emilio's Tip: Sending all the documentation electronically is great and no time consuming.
Conventional 15 Year Fixed California
GREAT SERVICE
This is our first refinance on our primary home. We were in a 5/1 ARM and found it difficult to get out to a fixed loan. Mr. Gomez did a great job in securing our refinance loan and an affordable 30 year fixed rate. He was very professional and communicative with us. Their web site system for sending required documents is great and not time consuming. We also want to thank Bonnie Pater for her assistance.Everything was fast and smooth and we closed within a few weeks. Thanks to all
Conventional 30 Year Fixed California
