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  • It is unfortunate that they can't get their home loans on track. After reading other reviews in regards to their real estate errors I decided to share my experience. Over 8 years ago, I was one of the fortunate ones who finally received a home loan modification after quite a fight. I was eager to get Bank of American off my home loan so in Jan 2015 I reached out to Clark County Mortgage department. I have been a member with them for over 10 years. Unfortunately I was told that because of my modification I would have to wait another three months before I could refinance. You better believe when that three month had passed I contacted them again to start the process. WHAT A JOKE! On April 1st 2015 my loan started for review. It was stated by my loan officer in an email mind you...I was approved. On April 29, 2015 I was informed on terms of my loan, which was NOTHING like I was first told. I NEVER wanted an adjustable and I was very clear about it. The loan was to be for a 30 year fixed, but now they were saying I'm only approved for an adjustable. WTF??? After some debate with my husband we were going against our better judgement and agreed to the adjustable, but only to be told were had to provide more paper work in regards to our previous modification. Finally in may it was told to me that my paperwork went to underwriting. On June 10th I was told I was in line for underwriting...ARGHHH! Finally in Sept 2016 I got noticed that I was out of underwriting for an adjustable which they raised the interest rate, when I questioned why, I was told it was because of my loan modification. Are you kidding me???? I was very up front about the loan modification in Jan 2015 when I began the process and it didn't seem to be a problem when I was told April 1, 2015 I was approved. Then in late april when they gave me the first set of terms to my loan, but to have the terms change AGAIN for the reason of a previous loan modification???? They knew the whole time!!! I was disgusted and declined the loan. When the loan officer replied and said "would you like to try to do 4% if we try for an exception?" I had no words! Why would you not give me the best interest rate possible the first try???? I would NEVER EVER use them. I finished my re-finace in May 2016 with Southern Fidelity Mortgage and it was a breeze!!!! Took less than 1.5 months and was so simple. Completely different from clark county. I received my 30 year fixed and received a better interest rate than clark county was willing to give me on an adjustable. My loan modification was not an issue. I recommend Southern Fidelity Mortgage ask for Kari Phillips.
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