Beverly A

Justin was knowledgeable about the loan process however…he refused to give us a formal loan estimate stating that he had only collected 5 of the 6 pieces required. This was a technique to not provide us a LE. He kept sending us to a web portal that had the totals on it but would not provide us the formal LE. We wanted the openness to shop his LE vs another lender. The other lender had an LE to us in 24 hours Justin took 2 weeks and a threaten to forfeit the loan. Wether he technically collected the 6 pieces needed to provide the LE could be litigated for sure but the biggest point is that he cost us a better APR because of his delays. He also cost his own company money because if he had not given us extra rate discounting credits to get to the original rate we would have walked. I asked our realtor to make sure he would not be at our closing. We only purchased from this lender due to builder relationship and incent