Wells Fargo Home Mortgage

Honestly I’d give this branch ZERO stars if I could. I’ve had multiple horrible experiences with Wells Fargo in general and was hesitant to get
pre-​approved through WF mortgage. I dealt with a man with initials JS. I didn’t quite feel ready to be pre-​approved however I was lied to and duped into getting my credit ran. He told me mortgage
pre-​approvals only stay on credit for 2 – 3 months. That was a lie, not to mention I was right in that I didn’t not have enough money to get a house. Stay away from these liars.

Definitely the worst loan origination that I have ever done on the purchase of a home. The only good thing was that the fees were low but the way the loan was processed I could see why — incompetence throughout the process. The worst part of the process was that 2 weeks before close another Flood Certification was done that changed the flood determination and I had to spend $ 2000 to get a flood insurance policy that after close was determined to not be required. There was no rational explanation why they changed the Flood Certification at the last minute other than it was because I was getting a Home Equity Loan.
After the loan was originated WFB continues to mis-​apply payments and calculate spurious interest on my Home Equity Loan to the point where I am going to report them to the State Government for fraud. I have been a 30 year customer of WFB and am shocked that they have treated me so badly on the home mortgage side of the business.