Cornerstone Home Lending, Inc., Houston TX

The people were there to answer all my questions and were honest. They answered and took the time to help through the process and wmake me fell comfortable. I enjoyed it.

Process was smooth no hiccups at all. They kept me on top of stuff I needed to do and a quick close happened seamlessly. I highly recommend

Found a house within 24 hours of starting to look and closed 14 days later! Best process ever, they have their stuff in order! Definitely recommend.

Historically, we have received great service from Paul and his team. This loan process did not go as smoothly as the previous ones.

First Sr. Loan Processor (SLP) was replaced following multiple errors and miscommunications. All seemed to be going well with 2nd SLP until I got to closing. And, while I do accept some of the blame for what happened, I think this discrepancy should have been recognized by the SLP. My loan was not to have ANY escrow as part of the mortgage terms. None of our mortgages include escrow so this was not something new for us to request nor Paul to know we preferred. All prior disclosures were accurate in reflecting such. Then, shortly before closing (found after I went back to review the discrepancy), escrow was added to my loan terms without notice or explanation. At closing, when I pointed this out, I called the SLP to point out the issue. The SLP called the title company rep to say that changes to terms would require additional delays, fees and a higher interest rate if I decided not to close with existing terms. (Note: SLP has yet to contact ME to discuss how this error occurred.)

I contacted Paul and his assistant, Josh, about this issue. After a few days, Josh contacted me to say that nothing could be done for at least 6 months when I could apply to refi the loan. Again, I contacted Paul and Josh explaining my dissatisfaction with the closing process for this loan including details about the history of the process and why I was unsatisfied with the outcome. I thought they might be able to offer an explanation or possibly some type of refund of fees for their part in this error. As noted, I accepted my part in not carefully reviewing the final set of disclosure documents prior to closing, but nothing had changed and my SLP had communicated nothing about changes in loan terms with me.

It has been several weeks and I’ve yet to hear back from Paul or Josh with an explanation or an apology. I’m disheartened because we have used Paul and his team for multiple mortgage loans. And, I have referred him to several friends. I doubt that we will utilize his services nor refer him to others.