Certified Funding in Dallas, TX

Horrible experience as well, they have an attitude issue and the person they refer for appraisals takes forever to complete a basic dry by.

Theresa told me that I needed a DTI of 45% or under. I had a 44%, so we proceeded. She neglected to tell me that number included the pool payment. If I would have known this it would have been a one minute conversation. Instead, she runs my credit and tells me that I would know in 48 hours or less. Two days go by, I call, she needs more info from me. A week later I have to call once again and she tells me that my DTI is too high. Gee, you think? So she runs my credit, then I get denied. Because of her my credit just took a nose dive.

As a mortgage professional I recommended Certified due to their competitive rates but unbeknownst to me they don't calculate income by the industry standard and declined my loan the day after the CD was supposed to go out in order for us to close on time. Initially they issued an approval but took it back basically removing the rental income they had previously approved us using. DO NOT USE CERTIFIED FUNDING!!!