E Mortgage Management

Jim G 

on BBB

4 years ago

I am now 60 days in to this process. These people have no idea what they are doing. I reply and respond quickly to all document requests. They drag their feet and then ask for the SAME documents again! The level of incompetence is unbelievable. This collection of idiots created a HUGE problem when they used an out dated 4506-T IRS form. The IRS no longer provides transcripts to a third party. So, when they submitted the outdated form to the IRS, it was flagged as a fraudulent request. I spent TWO days on the phone with the I... read more

Peter G 

on BBB

5 years ago

I was buying a condo in Sandiego and was referred to Joel ****** from E Mortgage Management. After proving all the documents i did not hear back for some time. Attempted to contact via phone but the mail box was full and not able to leave message. I was initially told the rate was going to be around and got back a quote with 4.3% with a 3.0 points to service the loan. There was mediation going on with the home owners association and builder but not a law suit. I was told as there was litigation my rates were high. I went wit... read more

Gil R 

on BBB

5 years ago

I received a mailing from E Mortgage Management. They said I was Pre-Qualified for a refinance loan of $344,833. First of all, everyone is Pre-Qualified. That doesn't mean your approved. Second, the $344,833 is the EXACT balance I had at Wells Fargo after my last mortgage payment. I wonder how they got this information. My new rate : 2.99%/ 3.18% APR (30 YEAR FIXED RATE). My new payment $1,452. I talked to Wendy s. Houston, and asked her to proceed, I asked her what information do you need from me. Wendy responded "I took a ... read more

aaron f. 

on BBB

5 years ago

Here's a review. Looks like Steven ***** and e mortgage took advantage of my 85 year old mother-in-law, with a shady solicitation letter that indicated they were affiliated with her current mortgage provider Wells Fargo. Steven then assured her the loan would remain serviced by Wells Fargo, it didn't. He told us she would get a little over $2200 back from escrow, she didn't. And, they grossly over charged her for fees, points and appraisal. Steven and this company took advantage of an elderly person....period. Steven admitte... read more

Marsha C 

on BBB

5 years ago

employee is passing my phone number to all the different lenders because i asked to be removed from their mailing list...i was cussed out and received several phone calls from her since, cussing me each time....37 different companies have contacted me now about mortgages 

J G. 

on BBB

5 years ago

E Mortgage Management, LLC sent an extremely misleading, borderline deceptive promotional mailing to me, claiming monthly savings if I rolled a credit card balance into an existing mortgage. However, their "before" and "after" illustration was misleadingly labeled, and illustrated a monthly savings when the reality would be an increased monthly expense. I work in the banking industry and in my opinion, this is a violation of federal UDAAP ("unfair, deceptive, and abusive acts and practices") regulations. I would never volunt... read more

Matthew R 

on BBB

5 years ago

75 days later, still waiting to refinance. The underwriter has no idea what they’re looking at, so they keep asking for more documentation. We fulfill all their conditions, then they ask for more. This is our fifth shot at fulfilling all the conditions and hopefully will close before we have to extend our rate yet again. I’m all my years of being a realtor and buying my own homes, this has been the worst company I’ve ever worked with. 

Mortgage Specialists 

on BBB

5 years ago

I am a mortgage broker who was partnered with EMM wholesale for 4 months, and had the worst experience of my professional career. The company as a whole was very difficult to work with, their turn around times for processing and approvals were much longer than promised, their staff is hard to get a hold of and rude over emails and phone and they do not provide proper documentation for brokers to do business. I had a loan denied from the company and after several days of requesting a standard practice denial letter, was told ... read more

Logan W 

on BBB

6 years ago

I used EMM loans for my first home mortgage, which was referred by my realtor... I should have done my own research, but they had good rates. Finally got thru the process. I never received a letter stating that my mortgage had been sold to Wells Fargo until I emailed EMM loans trying to make my first payment which was June 1st. I received an email from Beth stating I did not owe a payment to EMM as my mortgage was sold to Wells Fargo. So I called wells fargo and they stated my first payment to them was due July 1st. Then Jun... read more