I have finally reached the end of the road with a looooong, tedious mortgage application process with Chase.
While the rate quoted was wonderful, the process was a problem between dealing with the initial salesperson on the phone, then being handed over to the "Client Care Specialist", who seemed to be essentially a gatekeeper for the underwriter, copy + pasting correspondence and introducing a 24 hr delay into every step.
Ultimately, I had to pull out and close with cash after wasting a *lot* of time getting the application 98%, but not 100% approved, with delays around escrow holdbacks and income verification on their end.
Are there any banks / services that offer a "business class" application process, with a single point of contact managing the whole process? Maybe using a broker is better? I wouldn't mind a higher application fee if that helps - I'd find a higher interest rater over the life of the line tough to stomach.
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source https://www.reddit.com/r/RealEstate/comments/ka42i7/mortgage_originators/
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