Home Community Mortgage in Irving, TX

Después de firmar el contrato y de comenzar el proceso, la oficial de préstamo se tomó el tiempo que le dio la gana y FHA terminó negando el préstamo, luego de varios intentos se logró procesar. Muy mala comunicación nunca contestaba. Si pudiera darle calificación negativa ya la tendría.

KB home purchase in Converse, TX - 4/25 signed contract with KB Homes, 4/28 got Econsent Invitation (after bugging Home Community, serious calls/emails to send me what they are needing). 5/2 (still harassing Home Community as to what in the world they need (since 4/25 bugging), finally sent what they needed on 5/4. on 5/5 we get KB home and insurance on congrats on buying a home (news to me), called in and it's just a formality of what they send (really, all hyped up for nothing). 5/30 Home Community finally calls to wanting more documents (really) sent them and confirm. 6/9 he's waiting on my to get documents and I told them I sent it (proof on emails), resend again on 6/9.. 6/11 we finally got the final electronic signing and now they tell us that it will be another week till we get a yes approved or no, denied. This has been a journey of headaches, stress, unprofessional on paper work and the process. As the previous complaint, you dont hear anything from them at all, it's been a pain on calling calling, emails after emails, they lost paper work (how can you loses paper work by emails, unless deleted (really).. KB home agents have no clue as to whats going on (they are suppose to be partners). today is 6/17 and they have till 6/23 to get a final say.. At this point I don't even care if we dont get it, at a point that I want it to be rejected based on the incompetence people at Home Community Mortgage. (word of advice: stay away form them, get someone else). I would give them a 1/2 the star, but the review will only put full stars.

The worst experience I've ever been through. KB Home will give you a 3500 credit which quite honestly, I don't know if the mental exhaustion this mortgage company will put you through is worth it. During the first 3-4 months nobody will return your calls/emails then when you are in your final 2 months they will tell you, you are all set and everything is perfect until 3 days before closing they will actually look at your file which in hand will delay closing because of the incompetence of doing their job.

Where do i start with this lender. First we weren't even interested in KB as a builder, however me and my fiance came across this KB community on a great side of town. We went in and looked and found a model home the 2715 that we liked and it was pretty affordable. We talked to a salesman Thao Nguyen who we thought was pretty knowledgeable at first however we were wrong. Turned out he had a terrible attitude and was not helpful at all. We tried working with him and there lender HCM and submitted documentation that they asked for. After having a awkward exchange with Thao one day I guess him and the HCM lender decided that they were going to not approve a FHA loan for us even though we had managed to get approval with another lender that is known to build better Homes. My fiance and I were stomped, lucky for us we had a great realtor who referred us to a lender that met with us and was able to get us the approval needed. HCM declined us via email and not once did they try to meet with us or work with us. I think the decision was based off the salesman Thao rude and poor relationship with us. Email read not able to approve you at this time guess you guys have some work to do. Once we got our own lender and approval the new salesman that we worked with that was referred by my parents in the same community saved us from going to a Taylor Morrison community. She have been a real treat to work with a total professional and a true asset to KB she have done everything that they should have done from the start. We were promised a chance at $7500 in incentives if we got declined by HCM and was approved by our own lender. Well long story short they went back on that and have since then said we weren't declined and that we can't get the incentive unless we use their crooked lending services. Stay away from this lender they do very bad business and have not tried at all to make it up to us as customers because even though it started off really bad with the salesman and HCM we still decided to build in this community. There service was so unprofessional and bad that we decided to stick with our lender even though we are losing incentives and appliances and closing cost. I hope someone read this and fair alot better then us they made this process a true stressful mess. It's alot more stuff they put us through to try and get a" hard decline" but I don't want to drag you thru the whole story.