Reviews for Tracy Hayes
Go with a different Company!
Save yourself a huge headache and go with a different company. We started our loan application in June. Many of the papers we needed were hard to submit online so we went to the JetHome Loans office and gave them physical copies of the forms. We had been pre-approved and we thought things were going well. Months went by and in early November we suddenly had a new agent because the first was “overworked”. Our new agent was Tracy Hayes. Tracy had a very pushy personality. When I first spoke to him he said we needed to fill out the whole application again even though even had the hard copies of what we already gave JetHome Loans. We did everything that was asked of us, yet we were asked over and over again for the same documents by 3 different people- Tracy, Brandon, and Curtis. It was extremely aggravating. When we told them we had already submitted it to one of the other people, we were told that everyone was working from home due to the Covid 19 Pandemic and so they had no way of knowing that things were submitted. I understand working from home, but not being able to communicate with each other that documents had been submitted is ridiculous. Loan applicants should not be inconvenienced that many times. Another issue we had was that we kept asking Tracy for the Closing Disclosure so we could close in time. Tracy basically told us don’t worry about it. Well, because he DID NOT get us the form in time we had to close a day later. This was completely unacceptable. While they were very aggressive in demanding information from us, it was nigh impossible to get responses from them when we needed to. It was especially unacceptable because I had originally tried to change the closing date since it was very close to Christmas and I didn’t think I could get it off. I was told there is no flexibility in the closing date. The only way I was able to get it off was to change my holiday plans, so I did, but when I was told I had to close a day later I had to change more holiday plans. We should not have to cater to a loan agency like this. Tracy even had the nerve to say he was overworked and it’s not his fault etc. Brandon and Curtis were fine. We did not have any major issues with them.
Conventional 30 Year Fixed Florida
Home loan frustration
We started to e loan process with a lady who was very helpful and who kept us informed and explained this complex and confusing process in terms we could understand. We were advised we had been initially approved. About 2/3 the way through the process, we were assigned a different loan officer. We signed a form that permitted him to use our previous information. However he had us complete the entire process again and, as far as we could tell, did none of the transfer. From then on we were told to continually provide additional information. Little or no explanation as to why. We felt like the loan officer didn’t believe us. The process of buying a new home, automobile, or any high value object is very stressful and it doesn’t help having additional stress placed on you by the person that should be your advocate. We felt more like he was a “prosecutor” than a team member or coach. With regards to Jet Loans, we did get a suitable interest rate and closed on time. The closing agent was remand made our closing the best experience of the whole five month ordeal. I would recommend Jet Loans but our Loan Officer needs more training and coaching before he should be assigned another client.
Conventional 30 Year Fixed Florida
Loan Officer Review
It always seemed to be an uphill battle dealing with my loan officer. All details were cloaked and there was a lack of transparency. I was shuffled back and forth between Jet Home Loans and FBC. When I expressed my concerns to the loan officer, he casually ignored me and ran my credit twice (I refused the third time when I was moved to Jet Home Loans). This has unnecessarily lowered my credit scores and caused undue stress. I was also forced to re-submit all documents twice and re-answer questions multiple time even though everything was submitted and uploaded on the portal and via email. He also refused to get me a closing disclosure or even the total costs for me for the closing, which is required by law, prior to my closing. When I pressed him for the final closing costs, he advised me to "pay extra" and I could a check for the overage after the close. Even the title company was surprised by that comment and they had to request for him to process my paperwork. When I received the final disclosure AT my closing, the figures changed substantially. Also I was forced to pay for the Appraisal that was ordered by him and now (after closing) i have not been reimbursed the $ 525. In conclusion, I would not recommend this loan officer to anyone since he is not transparent and not at all helpful. Also he took the joy out of the purchase of my new home. I would be happy to discuss this further and provide email correspondence between the loan officer and myself.
Michael's Tip: Stay away from dealing with Tracy Hayes.
Conventional 30 Year Fixed Florida
My original loan officer left the firm abruptly without warning and with less than 30 days to closing Dream Finders had to scramble to find me a new loan officer which in itself was not a smooth process. I called daily and received the same generic message that everything would be ok and to keep going with the flow. Finally, I was able to reach my loan officer Tracy and he was a little flustered that I was two weeks from closing without a lock in rate and little information in my file. He asked me if we could start the process again by submitting all new documents and pulling my credit again. I agreed and he was able to get my file pushed out and rates locked in by the following day, which made up for the previous loan officer dragging her feet and abruptly leaving. After working with Tracy, I started working closely with Trevia Walker to close the loan and she was awesome. She was always one call or one text away. She kept me updated as much as possible, which I really appreciated. She worked really hard to close the loan by the closing date. Although we didn’t close on time because the construction portion was not completed we were able to close the following week. Also, I want to say my sales rep Maggie Layton was fantastic from start to finish. She really sold the dream product and has amazing customer service. Overall my experience wasn’t bad and it certainly wasn’t smooth on the financing side. However Tracy and Trevia did a great job fixing the issue and getting me numbers two weeks prior to closing. I would recommend Dream Finders! One more thing, I wish there weren’t so many restrictions and limitations on structural and builder upgrades based on the dream finder level your home is. If the client is willing to pay for it why can’t we have it.
Tyler's Tip: Even when the dream team is telling you everything is “great” or “good to go” please follow up and stay on them. Your file could potentially be seating somewhere not being worked.
FHA 30 Year Fixed Florida
Excellent Service and very responsive
We had a few hiccups when selling our previous house, Tracy was extremely helpful and responded quickly to all inquiries and request. It made us realize how smoothly our application went and how poorly it could have gone with another lender. Highly recommend.