I began my search for a mortgage lender in August. I was at first very impressed with Ginny Anderson’s attitude and background. This quickly changed when he response time diminished after engaging her to work with me. I lost the home that I had hoped to purchase. I was told one excuse after another, which delayed my sale 3 times. I have a credit score in the high 700’s and the house was well within my income guidelines. This should have been a slam dunk for a mortgage broker with half a brain and some follow through.

Currently, Ginny is refusing to respond to calls and emails. She will not send me a declined letter that I can send to the sellers. The sellers are currently holding my $13, 000 deposit until I receive this letter. Ginny’s behavior has gone from unprofessional to completely unethical. SEND ME A DECLINE LETTER. On top of this I was scammed for over $900 for appraisals and attorney fees that are useless.

WCS LENDING, A MORTGAGE BROKER OBTAINED THROUGH LENDITG TREE, HAD GRANTED US APPROVAL FOR A LOAN, AT 5% DOWN, FOR MORE THAN A YEAR ( IT TOOK SOME TIME TO SELL OUR HOME IN THIS MARKET, AND TO FIND A HOME WE WISHED TO BUY). I ALLEGE THAT DESPITE CONSTANT REASSURANCES OF A LOAN COMMITTMENT, WHEN IT CAME TIME TO EXECUTE THE LOAN ( WITH A RENEWED CONTRACT EARLIER THIS YEAR ), IT TURNED OUT THERE WAS NO LENDER...THE PROMISES WERE ABSOLUTELY HOLLOW. WHEN THE BROKER IN QUESTION WAS PRESSEED FOR THE NAME OF THE LENDER...AGAIN, A YEAR AFETER A COMITTMENT FOR A LOAN... IT TURNED OUT THERE WAS NO LENDER...THEY WERE SCARMBLING TO FIND ONE. ADVICE CAME TO PAY DOWN ALL CREDIT CARDS TO 30% DEBT - THIS CAME IN TWO SERIES, THE FIRST TO MAKE SOME SMALL PAYMENTS, THE SECOND TO MAKE LARGE PAYMENTS TO ALL CARDS. THIS ACTION, WE WERE TOLD, WOULD RAISE MY SCORE TO A LEVEL ACCEPTABLE TO LENDERS. IT DIDN'T, BECAUSE THE SCORE BEING QUOTED WAS FABRICATED. WHEN I MENTIONED LEGAL RECOURSE, THE SUPERVISOR BECAME IRATE, AND, HAVING OBSTRUCTED THE LOAN WITH EXCUSES WITHOUT VALIDITY, STATED THAT HE'D TRIED TO HELP ME, BUT WOULDN'T DEAL WITH ME ANYMORE. WE'VE SOLD OUR HOME, HAVE A CONTRACT ON ANOTHER HOMER...BUT NO MORTGAGE...AND NO HOME. THE GOVERNEMENT INCENTIVE WAS LOST. DO YOURSELF A FAVOR - DON'T DEAL WITH THIS COMPANY...OR ANY BROKER. GO DIRECTLY TO A LENDER. AND FORGET LENDING TREE...THEY ARE AFFILIATED WITH BOTTOM FEEDERS.