Key Mortgage Services Inc

Key Mortgage started an application that I cancelled because I decided not to buy the home (bad inspection). Within a couple of days I let them know I would not be proceeding and never returned with the paperwork they asked me for in order to continue the application process. When I asked about the 450.00 fee to be refunded I was informed by their rep I would get 400.00 dollars but that I would lose 50.00 for the «processing fee». I waited for weeks to receive the refund to my account and nothing happened. When I called their office a few times there was no response from anyone so I left a message detailing my concern and to call me back. No call back. Finally after filing a complaint with the BBB someone called to tell me that I had signed a document stating that there was no refund. I was shocked because I don’t recall that document being explained to me as a non-​refundable agreement and in fact know that it was not explained to me at all. I then remembered that when it was placed in front of me the rep stated that it was the signature for the charge as if it were any other charge. I explained this to the person in charge to which she responded defensively and reminded me I’d signed the document stating I would not be eligible for a refund. I reminded her that they did not work for that fee since I’d cancelled the process early on. When I asked for them to present me with a receipt of expenditures on their part they sent me a 20.00 credit report fee. Hence nothing else had been done at all so I should have received a 430.00 refund. In the end they never refunded me and the rep compensated me part of the fee because in his words he felt badly. Key Mortgage is seedy in my opinion and the fact that they have people signing a non-​refundable document is indicative of it. The fact that they did not complete the work and earn the money does not matter to them as long as they have your money and can keep it. I would not give them one star but unfortunately Unilocal requires at least one star. They don’t deserve any rating. I ended up getting a loan via the developer for free and getting 4,000.00 in closing costs. That’s the way to go people! Say no to Key Mortgage! There are much reputable companies out there that are mortgage brokers who seek the best rate for you. Look at their ratings on Unilocal and with the BBB. Do your homework so you don’t get stiffed by a company like this one.

It is apparent that Joanna White loves her job. I have never met someone so enthusiastic and eager to help guide my clients in the right direction. Her very quick response time to connecting with buyers makes my job easier as well. Joanna is very experienced which enables her to be proactive with her clients to get any deal closed. I highly recommend Joanna!

Tricia definitely made our home buying process a delight! She is kind, professional and always tries her best to answer any questions we have and help us in anyway possible! We highly recommend her to anyone who is thinking of purchasing a house!

I’ve had the pleasure of working with John Lewis and can honestly say I would’ve never survived the home buying process without him. There’s no doubt he is one of the best mortgage brokers in the business. He’s helped us with two different mortgages in the past, along with a refi that saved us over $ 750 per month. He’s amazing!
Being self employed, the mortgage process is so much harder — but with John behind us – we didn’t have to worry. He is the ultimate professional and knows his stuff, but more importantly, he is SO patient and takes the time to explain an incredibly complicated, and sometimes scary, process every step of the way. He never made me feel like I was asking a ‘dumb’ question, when I know for a fact, I asked many.
If you’re looking for a mortgage or refi, do yourself a favor and get John Lewis on your side. You won’t regret it!

We would like to say Craig, thank you so much for your amazing service for our home mortgage! You are efficient, patient and so helpful in the process. We are so happy that we chose Key Mortgage!!! We would certainly recommend you to our friends and colleagues.

There should be an option for negative stars and even that option wouldn’t come close to how bad Key Mortgage Services was throughout my entire experience!
After dealing with Scott Deter, whom should have retired a very long time ago, with his overbearing and forgetful demeanor providing advice that ultimately stopped our closing dead in its tracks we complained to his boss. His supervisor gave us Carol Mills to assist us with the closing and another inept professional instructed us to pay off and close one of my longest credit accounts which had a PERFECT payment history and she didn’t anticipate this move making my credit score to fall?
We then complained again and they offered us a credit for our next loan application. As if I’d let this company shine my shoes, let alone ruin our chances of buying another house.
If you see Key Mortgage Services… RUN, RUN, RUN!!! I learned the hard way but when looking for any type of service… check their ratings and reviews!!!

Wish we would’ve have checked reviews on Key Mortgages before deciding to go with them. Still waiting to close after 5 months. The sellers are disgusted, we are disgusted. This whole experience has made me so disappointed, that a what should have been exciting experience, has turned into a miserable one. Two days before our anticipated close they are now saying we need more items turned in and an even larger amount down.

So, here’s the update.
2 months after the contract was signed, with Key Mortgage’s «pre-​approved» «excellent» «manually run past the underwriter first» buyer, the loan was denied. For many reasons, which included poor credit and insufficient income.
My clients, the home sellers, wasted 2 good marketing months off the market, and lost their purchase property.
How in the world does ANY mortgage company issue a pre-​approval based on reviewing income, assets and credit and then 60 days later determine that 2 of those 3 items are not good?
IMO, there’s no excuse for this. Truly a weak and unprofessional performance that will be shared with my industry colleagues.

I wish I didn’t have to give a star at all. If you go to the Key mortgage website, the clever marketing says «If you have dreams… we have solutions.» This is so ironic to me because Key Mortgage CRUSHED my dreams, all because I trusted them.
2 months ago, my realtor came to my home with an offer from a buyer to buy the property. My husband and I were thrilled because we needed to sell our home in order to buy our DREAM home. The offer came in from a buyer who had a PRE APPROVAL LETTER from Key Mortgage. My realtor told me that she works with Key Mortgage all the time and they are very reliable. The Key Mortgage website even said that a pre approval letter from their company will help a buyer buy a home and a seller be reassured. Well, that’s just the beginning of the false promises from Key Mortgage. Long story short, the incompetent employees of Key pre approved our buyer without checking all her information, and she did not actually qualify for the loan. EIGHT DAYS before we were supposed to close, Key mortgage pulled out and the deal was dead. Key Mortgage admitted their mistake and gave the buyer back her application fees, but left US in the dust. Meanwhile, WE, a family of 6, was ALL PACKED, had a deal on our DREAM HOME that we had to cancel, and were left standing stunned, holding a worthless pre approval letter. The owner even contacted our attorney and offered all of his help to fix the problem and get the deal to go through, but then was out of the office when we tried to move forward. He made false promises to us, then disappeared. KEY MORTGAGE SCREWED US OVER.
Do NOT be fooled by this company and their false promises. Save yourselves some time and heart ache. Use CHASE

Baird & Warner should not be recommending Key Mortgage. These people pressure you to sign when you are not done inspecting your property. They told me if the inspection didn’t pass they would not cash my check for the appraisal. Inspection did not pass and I did not end up finding a house I liked. They ended up cashing my check anyway but there was no appraisal done. They said I have credit for the next house I choose but I am not looking at houses anymore. They went from calling me all the time to avoiding my calls. These people are desperate. Their quoted closing fees where not even that good now that I’ve compared them. Stay away.

I must admit that I agree with Robert G and Christine S.
My wife and I closed on a condo this past January. We were almost unable to close due to issues that came up the day of closing.
To state it bluntly, the staff were completely unorganized and just not good at doing their jobs.
Do not use Key Mortgage Services for your lender.
However, Jan Kupiec and Baird & Warner were great, and we highly recommend her as a real estate agent.

We had a hard time getting ahold of our lender throughout the process of buying our home. He did not want to work on our timeline which was pretty strict because we were bound by the terms of our apartment lease. When we finally closed we thought all of the problems were behind us. Unfortunately this was not the case because the closing paperwork differed from what Key Mortgage sent us in the mail. Our closing paperwork stated we needed to start making payments on October 1^st (which we did not realize because we were told all along that it was November 1^st). We were sent a letter from Key Mortgage shortly after closing saying that our first payment was not due until November 1^st. We are now in a bind because Key Mortgage sold our loan and we can not get ahold of anyone to help us and our new mortgage servicer says that we are a month behind on our mortgage. This problem needs to be fixed by Key Mortgage and they are nowhere to be found. DO NOT USE THEM UNDER ANY CIRCUMSTANCES. We are only 5 months into our loan and we have three (soon to be four) late payment charges and we are constantly showing as a month behind with no way to catch up. This is absolutely ridiculous!!! I would never have used them if I knew everything was going to get so screwed up.