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An Entity of Type : rev:Review, within Data Space : foodie-cloud.org, foodie-cloud.org associated with source document(s)

Attributes	Values
type	rev:Review
dateCreated	2017-05-11 00:00:00 (xsd:dateTime)
itemReviewed	Quicken Loans
http://www.openvoc.eu/poi#funnyReviews	0 (xsd:int)
rev:rating	1 (xsd:int)
http://www.openvoc.eu/poi#usefulReviews	1 (xsd:int)
rev:text	In the beginning we called Quicken Loans and everything seemed promising. They have us a pre-approval and told us to start searching for homes. They also explained to us that if we filed our 2016 taxes we would be approved for more than we already were. We found our dream house which was a little higher than the pre-approval so we went ahead and contacted our loan officer. He gave us the green light to file our taxes and assured us that we would then be able to afford our chosen property. Once the taxes were filed our pre-approval was now well above what we needed to finance the home. We called our relator and made an offer. It was accepted. At first they were concerned that we owed money on our taxes ( we are a small business- so yes- every year we owe money on our taxes). They then tried to apply the tax money owed for 2016 to our debt to income ratio!! Which is against the law. All debts owed to the IRS are not considered "debts" on a credit report. After that "confusion" they gave us a closing date (30 days out). Now came the part where they needed lots and lots of paperwork (which was completely expected) We followed the guidelines and uploaded 100+ documents in the time line of 24 hours. Quicken only used 40 of these documents in total once everything was completed. They had a very hard time accepting our bank statements and were asking for account information that had nothing to do with the loan in any way shape of form. For example: we have 5 bank accounts. We chose to pay for the closing costs with one specific account only. However, they needed to see each and every bank account 60 day history anyways. They also requested that we keep a specific amount in every account for "reserve funds" even though our chosen account has about 3x the amount of money in it for closing. They also made us pay off each and every credit card we owned. Including the $35 dollar balance on one specific card. We just started receiving child support from our exes. Quicken insisted that we wait until we collected a specific amount of money from the support payments, then print our bank statements showing the payments went directly into the bank account and the money remained in there for a specific amount of time. This also pushed our closing date out further. Once the home was appraised it came back a few thousand dollar short of what was originally expected... Quicken just wanted to drop everything right there and not go through with the loan. Fortunately, with the help of our relator-we were able to get the sale amount down to what it needed to be- Quicken was satisfied but again our closing date was pushed out. Then once everything seemed to be going well- our relator calls and tells us that her team has found a large error in Quickens calculations of the closing costs!!! We had to have the real estate agency contact Quicken on our behalf to correct their error. Not to mention that the previous family is still living in our home for the next month in which we have to pay insurance on it. We were told numerous times that "they just don't deal with small businesses often and we are abnormal to them." Finally on the week before closing Quicken contacts us and tells us that they need more information on another of our bank accounts. This time we told them NO. We explained to them that they have all the information that they need to process the loan, and if they don't want to give the loan to us they need to tell us by the end of the day. We explained that we are real people in the real world. Not more than an hour later did they process the loan! Even though it all worked out in the end...I would say seeing my 3 children suffer and cry over the stress of the 59 day process they put us through warrants this negative review.
http://www.openvoc.eu/poi#coolReviews	0 (xsd:int)
rev:reviewer	LeeAnn

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