Share your home buying horror stories!

[Trek420]

More detail. I was in favor of going with our credit union for the loan but our realtor has a mortgage broker he works with. We were expecting a bidding war. He felt that having their mortgage would give us an edge. Whatevah, we went with them.

Approval for the loan went smoothly and then the paperwork began. "We have this online tool to submit your paperwork" they said "it'll be easy" they said. Nothing worked. "You can fax everything" they said "24/7 right to our desk" they could not find anything we sent" lord knows where our social security numbers are now.

Their office is near my work so I started going in early, drop the files off, go on to work. Over and over again I'd be in their office, we'd go over the paperwork "here it all is, my favorite color, the deed to my first born child, list of my tattoos ....is this everything you need?" Yes, they said. Perfect, they said. And I head off to work 5 minutes or less away and by the time I get there, I get a text or call from Knott that they are missing documents WE JUST CONFIRMED I DROPPED OFF IN PERSON!

Insurance, they wanted to verify we have insurance. I drop off cards and policy statements, they want to call my agent which they do and then .... "We don't show that you have insurance" WTF??!! You called our agent. How did you call our agent if we don't have insurance?

We got part of the down payment from my now late Mom. And the worst thing was they were rude to her and me. The incompetent office manager who kept losing paperwork tried to finagle my bank and my mom's bank into releasing account information to her. She tried to call both our banks and gain info about both accounts by posing on the phone as me and as my mom.

This was a point I told realtor, mortgage broker we're about to cancel the deal and file identity theft charges on the mortgage broker. You.do.not.try.to.gain.access.to.someone's.account. You do NOT do this to my mom

Want bank statements? You got it. Want me to drive them to your office 5 times? Not unexpected. But you do not try to impersonate me or my mom on the phone.

Let's see, they put the wrong address on many documents, were still straightening that out. But must admit the rate on a 15 year mortgage was exceptional and other than the crazy neighbor (see Crazy Condo Neighbor thread) http://forums.teamestrogen.com/showthread.php?t=53328 we are very happy.

If you are in the Seattle region ask me who NOT to use for your mortgage needs.