Date: February 11, 2018 Age: Above 60 Gender: Female Marital Status: Married
Closing Fee
Not satisfied because Essex Homes stated if we were approved by their preferred lender that all closing cost would be paid by them. However, at closing that was completely untrue, the closing cost was added to the purchase price of the home. The only plus was we did not have to come out of pocket for those fees. I was not happy with the complete lie that was told to us, but I had no choice but to sign because our other house was already sold.
Interest Rate
When I applied with Ameris Bank it was automatically compared with other bank rates per what lender stated. I assumed I got the best rate at that time.
Loan Officer Service
Not satisfied because of what I stated in the above box regarding closing cost. The loan officer obviously knew closing cost were going to be added to the loan and not paid by Essex Homes, which Essex advertised that they pay. The loan officer choice the kept them to herself.
Overall Rating
Pros
What I did like about Ameris is the application process was very simple, stayed in contact with me constantly about things I needed and estimated closing date. Very friendly and easy to work with.
Cons
Only thing I did not like was the fact that Ameris was not truthful about the closing costs. I had to finance that with the house and it was not paid by Essex Homes, in which Essex advertised they would pay if we used Ameris (their preferred lender)