Justin Memenga at Rate (NMLS #1450325)

THIS IS A LENDING OFFICE. This is where your paperwork goes after it signed. The banking information is cleared here. Post-closing facility.
Feb 25th, 2023

STOP with the harassment! STOP Harassing me!! nearly 2 years (today 8/10/22) after a horrible experience I come home to a pre-qualified letter from the loan officer that I requested to never be contacted by again!!! I want to spare others from wasting their time from forgotten application, emails/ questions going unanswered, and misinformation. Pros: Online application, easy to upload documents, competitive rate, reasonable closing costs Cons: rest of experience: delays, misinformation, not knowing whats going on. This review may further cause my application to be pushed to bottom of pile. I was told via email process would be 60-70 days and now a few days close to 90. Despite my solid credit, submitting and responding very timely for requested stuff, and pandemic/recession proof occupation, my refinance from first week of June is still on-going as September is days away. I chose Guarantee Rate due to a good experience refinancing years ago, where I felt I had to do nothing and was kept in the loop. I wanted to both refinance and qualify for another purchase- it took weeks to get numbers on latter, which I had to ask several times. The pre-approval on new loan was inaccurate as now another lender has qualified me for 40% more!! Ive never heard of lenders NOT wanting more business. I had escalated my concerns. The escalation point person told me to expect to be contacted for next steps the following week. That week came and went. All I can do is continue to wait. Im sharing my experience here for others and with my fellow first responders. Update 9/23/20 Unless your a white, Christian, stay away. Took loan elsewhere and closing set for less than 30 days since applied at 1 point less and less fees. My loan here was 100+ days and when finally asked to cancel, no questions asked. It was immediately canceled.
Jul 17th, 2022

I had scheduled phone calls with Josh Costales (NMLS ID: 1723585) regarding my loan application and haven't heard from him since last week. I've sent emails because I had questions about the process and didn't get a simple response back.. He's very rude, unprofessional, and a waste of my time. I hate the fact that he have access to my sensitive info and I never hear from him after that. Seems a bit scammy and suspicious to me.
May 5th, 2022

Mar 23rd, 2022

This place is a joke very rude and wasted my time and money. I was told my application got denied because I didn't have a utility in my name. Straight B.S
Dec 23rd, 2021