Colonial National Mortgage

Welcome to 1995! So far behind the time. Poor employee training. They have secured email, but good luck getting a response. Oh, and you are stuck with them as they rarely sale loans they acquire (as was the case with mine). I really cant speak for their loan processing, but I really cannot imagine a worse servicer.

Colonial claimed to have never received the insurance bill that was sent to them by my insurance company (twice) and therefore allowed my insurance to lapse. They then refused to pay for the $ 10 late fee or the $ 25 reinstatement fee. Additionally, they only sent me a letter (even though I am signed up for paperless) on the 23^rd (after my insurance had expired) saying that they had no proof of insurance and that they would be selecting one with a premium of approximately $ 2,158.58. As I contacted both parties involved, I found out that Colonial Savings never bothered to contact the insurance company that they had purchased the loan. Not at all recommended. Stay away if possible. From a homeowner’s standpoint they have been nothing but a pain. Signing up for automatic bank draft was also excessively difficult.

Apologies in advance for the long review. I have to start from the beginning. Several years ago, I was looking to refinance my home, but couldn’t get anyone to call me back. I’d pretty much given up on the hope of refinancing because I didn’t think we had enough value in the house, and I couldn’t even get anyone to try. My sister recommended Allin, so I gave him a call. He answered. He talked to me and told me what I needed to do. At his recommendation, we ordered a full appraisal to have the best chance of receiving the highest value in our home. We’d done extensive remodeling inside and outside of the home, and we needed to make sure the appraiser took everything into consideration. It worked. I was able to refinance and saved hundreds on my payment each month. That in itself would be enough for me to recommend Allin, but it goes further.
We moved to Florida for a new job a couple years later and I didn’t want anyone else to help me with our new mortgage. I asked Allin if he could help us buy a home out of state and he said yes! We were thrilled.
Unfortunately, the home buying process in Florida didn’t go as smoothly as it had in Texas, and we spent months going from one house to another. Allin kept up with us through it all. He dealt with the rude REO people, multiple low appraisals, our frustration and occasional meltdowns. He kept everything and everyone even keeled and stuck to business. I wanted to get him a gift for all of his hard work, but just read online that a referral is the best gift. So, here it is, Allin. We thank you both from the bottom of our hearts! I think we’d be sitting in an apartment somewhere right now if it weren’t for your dedication and knowledge.
If you’re looking to buy a home or refinance, I wouldn’t look anywhere else. Allin will be my go-​to person from here on out.

I set my mortgage payment online and always paid before before 15^th, but once a while, I got a payment notice from the mortgage about the late payment. I called back every time with them telling me that my payment are current and there is no late. I asked why you always sent me this kind of annoying notice letters, if I paid after 1^st of the month, legally my mortgage is late. I called today again to complain that I don’t want to received this kind of notice letter. The lady even just hang of my phone without me finish.

Please heed the advice of others. Do not do business with Colonial Saving. They are not focused on the client at all. They are in it simply for the money. I find that it is so easy to find examples of compassion, caring for the client and they exceed going in the opposite direction. There are so many good alternatives out there. Find them!
Paula, Texas

My refinance was just sold to them. It’s like going back to the stone age. The website is like PRE Y2k. Total pain in the ass to get signed up for online payments. I’m in PA so it’s not convenient to be mailing checks and praying they get to Austin on time.
Very Frustrating.
Customer Service– «Leave a message». Are you serious??? Get me someone on the phone that can help me. Now…

As a first time home buyer, Allin was extremely helpful and informative throughout my loan process. Allin worked to make sure everything went smoothly and was excellent at communicating any issues or hiccups along the way so they would be resolved appropriately. Allin was diligent and attentive, and excellent at responding to phone calls and emails right away. Allin also went above and beyond to secure the lowest interest rate, and was proactive in locking in an even lower rate than expected.
I would definitely recommend Allin to anyone looking to buy a house!

Allin was great in setting up my mortgage. He explained the process very well and was always there to help when I had a question. I also had a change in my mortgage on the Monday before I was supposed to close on Friday. It was a hectic week but he was exceptional in getting the mortgage through underwriting in 3 days and had everything ready to go on Friday. Additionally, Colonial is an excellent company to have a mortgage with and the customer service is outstanding.
I would recommend Allin to anyone looking to buy a house and have already recommended him to 4 other people that he provided excellent service to as well.