QC Lending, LLC in Charlotte, NC

Full info about QC Lending, LLC in Charlotte, NC

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QC Lending, LLC
Address: 1101 N Brevard St, Charlotte, NC 28206, USA
Phone: (888) 274-9365
Site:http://www.qcleads.net/
Time Work Monday: 10:00-18:00
Tuesday: 10:00-18:00
Wednesday: 10:00-18:00
Thursday: 10:00-18:00
Friday: 10:00-18:00
Saturday: close
Sunday: close


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About QC Lending, LLC

This page contains all information about QC Lending, LLC in Charlotte, North Carolina (NC), including address, website, phone number and reviews

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Review QC Lending, LLC

Ryan Haines | 2016-12-07 08:07:44
Great company to deal with if you like the used car salesman approach. Will continue to contact you even after you've asked them to stop.
Jeremy Gardner | 2016-12-15 23:01:21
I recently refinanced my mortgage through QC Lending, LLC and it was the most professional experience of my life. I worked with Mike Josephson's team and they were super helpful and courteous.
Nancy Darge | 2016-12-15 21:41:46
Just finished refinancing with QC Lending in November 2016. I worked with Matthew Nixdorf and Katie Medlin. They were in constant contact with me throughout the entire process, and answered all of my questions in a timely manner. I would highly recommend QC Lending.
Hamilton's Baseball | 2017-01-31 15:51:35
QC Lending had me pay $1000 out of pocket in order to close a loan in which the terms changed afterwards. In late November, 2016, I decided to use QC Lending for a VA cash-out refinance. After they did a thorough review of my finances and advised that my income-to-debt ratio and credit were fine, I was provided with two refinance options. I selected one and then told to come out of pocket to pay for an appraisal, termite inspection, and water test ($570 total). The appraisal came back with a really good/acceptable figure and I was advised to skip January's mortgage payment. As the end of January rapidly approached, along with the proposed closing date, things started to change...for the worse. First, I was contacted by my assigned loan officer and told that I now needed flood insurance in order to move forward. I called my insurance company, Liberty Mutual, to get the insurance. Liberty Mutual told me that I wasn't in a flood zone and called QC Lending on my behalf to work things out. Unfortunately, QC's underwriter wouldn't budge. I came out of pocket another $500 for flood insurance. Literally 30 minutes after I paid for the flood insurance, I get a call from my assigned loan officer saying that the VA had changed their regulation (he claimed that they literally changed it that day) and that now the spouse's income needed to be included for the income-to-debt ratio that the company uses to make its decision. Hmm...I've had about 4 VA loans/refinances in year's past and this was ALWAYS the case...but I didn't call him on it because I should be good to go, right? Wrong. All of a sudden, since my wife showed a business loss on our tax returns, I'm being told that in order to qualify, I need to pay off all my credit cards with my cash-out if the deal is to happen. I ended up sending in my government retirement account to show that I had enough in reserves if something were to happen. All is good now according to my loan officer...we're back on track!! He tells me that I'll be receiving another loan estimate and to "e-sign" it so that we can hopefully still close before Feb. On queue, I receive an email with the docu-sign estimate attached and quickly open it up. The numbers don't come close to matching what we had agreed to. In fact, each time I received a docu-sign email, my estimated monthly payment went up. My loan officer then calls to tell me that we're not going to make the January deadline and now in order to make this happen, I need to make January's mortgage payment (funds in which I already used to purchase all the other stuff that they said I needed). Furious, I reached out to the co-owner of QC Lending, Doug Shaffer. Doug was very apologetic and said that he would add some sort of "restitution" to help alleviate my troubles. He also said that although my assigned loan officer is one of his top performers, he didn't really have a lot of experience working VA loans. Hmm...ok, then why lie about the VA changing their policy?...just tell the truth!! Mr. Shaffer asked me to give him 24 hours because he was "going to personally make some calls to people high up at the bank" to see what was going on. He also said that I just happened to get a tough underwriter. Ugh...here we go again with the excuses. Regardless, I gave him the 24 hours. He called back 27 hours later to tell me that he couldn't resolve the issue. So in the end, after coming out of pocket based on an original set of terms, the numbers drastically ballooned (by almost $200 per month estimated monthly payment) and the original closing date couldn't be met. If the loan officer would've been honest upfront regarding the VA policy, then I would not have pursued this loan (and not have had to spend $1k+ out of pocket).
MARY SMITH | 2017-04-14 04:06:53
Very helpful and closed my refinance in less than a month! Saved me over $100 a month! Highly recommend!!

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