MDE Home Loans

From start to finish, I could not express the professionalism, ease of process and the willingness from all MDE Staff to assist in every aspect of my mortgage process. Being that this was my first mortgage, I lacked the knowledge of all aspects of the process and all of my questions were clearly answered even when it did not pertain directly to the mortgage. I could not be happier with the service and have already recommended MDE to friends and family! Excellent all around!

Closed a refinance last month with MDE, extremely satisfied with the overall process. James personally handled my case, promptly answered all queries and ensured I got the best rate possible. Most importantly, MDE closed the refinance per original timelines.

With MDEHL, James was very helpful throughout the process. The deadlines etc were met perfectly on time. The overall online process was very simple and easy to follow. I have recommended MDEHL to few of my friends as well. Also, I have assured James that all my future mortgage needs will surely go through MDEHL as well. My confidence on James and MDE Home Loans is 5/5.

Hope this relationship with MDE Home Loans goes for a long time.

Run far far way! They screwed up the original appraisal by putting the wrong loan document on the appraisal form. Supposedly because it was an FHA loan they had to wait 30 days to ask for another appraisal. We were supposed to close June 7th. Now we are looking at July 15th. I’m the seller of the property and the buyers are using this company. Because of them I have lost the home I was going to purchase and I’m out $15k on the earnest money we put down on the house. They are incompetent and unresponsive.

We have dealt with Hector Ramos many times and with every transaction we have, he always gets a call back! Very professional! He is very educated with the current rules and regulations and has always been able to get me and my wife a lower than expected rate for our mortgage. He has always been very helpful and able to answer all of our questions, day or night. He makes the process easy and painless. I always have recommended Hector to friends and colleagues and will continue to do so.

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted]

MDE Home loans has spoken to the customer and she has communicated to MDE in writing that she has withdrawn the compliant and that her new loan is in agreement with her.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it...

before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]

When my wife and I first walked into the model home, we knew we wanted to purchase a home in the neighborhood. It was everything that we were looking for, from the location to the floor plan. We waited (not so) patiently on the wait list, were excited when we signed the contract to start construction, and then eagerly watched as our empty lot turned into our dream home to build our family in.
Approximately 30 days from settlement, we ran into a snag with our lender that was going to delay our settlement date, initially by a week. Ordinarliy this may not be considered a big deal, but that would have pushed us into a third month of living in my old bedroom at my parents’ home (along with my wife, 11 month old son, dog and 2 cats!) Calls were taking 2 days to be returned, paper work would be sent in, and then need to be resent. Our dream had quickly turned into a nightmare of a headache when the lender informed us that our settlement date would be delayed by 3 weeks, and that it would be “impossible” to settle any faster than that.
At this point, the builder recommended that we speak with James Mason of MDE Home Loans because he was “a miracle worker”. Upon speaking with Mr. Mason, everything seemed too good to be true. He promised to be able to settle in July (not middle / late August), and would meet or beat my offer from the first lender. I agreed to use MDE Home Loans for our mortgage, and it was one of the best decisions that I could have made. Emails were returned promptly, including weekends. Documents only had to be sent one time, and they were even willing to drive to my home to complete any required paperwork prior to settlement. MDE Home Loans was able to exceed every promise that they made through their hard work and persistence. Their employees were all dedicated to making sure that my family and I got into our dream home as quickly as possible, and with the best mortgage that they could provide.
MDE Home Loans was able to achieve the “impossible” because of their dedication, work ethic, and thorough knowledge of the mortgage process. While we’re not planning on needing to purchase another home any time soon, I wouldn’t hesitate to highly recommend MDE Home Loans to everyone I know.
Regards,
R. Clarke

Review: MDE Home Loans provided closing documentation that purposely didn’t include federally required information to artificially lower the monthly payment in order to keep me from calling MDE Home Loans again (after multiple attempts the day before closing, with no call backs from MDE Home Loans) and to proceed with the closing with fraudulent information.MDE Home Loans guaranteed me many times that rates would drop before closing and that MDE Home Loans would be able lower the rate closer to the one we initially locked in, which never happened (even though rates dropped .20% before closing) . MDE Home Loans also guaranteed me that MDE Home Loans would refinance us at a lower rate if it didn’t.Desired Settlement: MDE Home Loans commitment of refinancing us at a lower rate. As an authorized and designated broker for [redacted] we request that this be done at no cost to us either under the same terms as we currently have or an 80/10/10 as was originally guaranteed and never honored. Or to provide us a refund of the points that were paid.

Business

Response:

MDE Home loans has spoken to the customer and she has communicated to MDE in writing that she has withdrawn the compliant and that her new loan is in agreement with her.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Regards,