RWM Home Loans Greenwich Dr, San Diego

RWM Home Loans Reviews

• R

  Ryan Reis
  5

  As first time home buyers, we had a great experience with Integrity First Financial. Sean Cosgrove was our loan officer, and he helped walk us through the whole process. We are very happy with the rate we got and especially happy with the customer service we received. The staff was very accessible and happy to answer all of our questions. Buying a home is stressful, but they made us feel comfortable and confident with the loan process. We highly recommend Integrity First Financial.

  Response from the owner

  Thank you Ryan, the IFFG team works very hard day and and day out to deliver excellent service. We will make sure to share this review with Sean and his team. Thanks again for choosing Integrity First Financial Group.

• M

  Michelle Gau
  1

  This has been the worst 4 months for us working with this company. We started our process of refinancing towards the end of May 2016 and just closed on Thursday September 15, 2016. To this day, Tuesday September 20, 2016 I am still getting calls from our current lender about our payment for this months mortgage. What a nightmare this company has been, but thank goodness its done. I have some of the same complaints the other reviewers have with this company, delayed things, made up excuses, caused us late fees with our current lender. I feel this company is a bit shady at the work that they do. I had to step in and contact all the companies, employers, etc... as to what items we were waiting for. I feel our broker Eric Swan did not do his job or what he is getting paid to do. I even made a call to the corporate office and made a complaint there with Chris (Branch manager) who made sure I would hear back from him through the rest of the process. It was good at first (2-3 phone calls) then he quit doing what he said he was going to do also. I would NEVER recommend this company to anyone. Thank God this nightmare is over. I don't even want to give this company 1 star but I had to in order for my post to be seen.

• J

  Jonathan Evangelides
  5

  We did a refinance with them and they did really well. We ended up saving a lot of money and paying off a ton of debt. I appreciate them taking care of me and my family, even if when I was getting impatient, they were very professional and took care of all of our needs. I would use them again and recommend others to use them too in a heartbeat.

• J

  Julie V. Herbison
  5

  Jake Jones was my contact for Integrity First. After some detailed discussion about my financial situation, Jake funded the appraisal on the front end because my money was so tight that I couldn't even do that. But it paid off because my home appraised $10,000 more than we thought it would. With the re-fi I was able to pay off all my credit cards...what a feeling!!! It would not have been thinkable without Jake's expertise. Plus I had some left over for a fence around my property, which my dog and I are very happy about. I now can pay my bills every month instead of juggling them. That hasn't been possible for years....thanks Jake!

• C

  Chelsey Hoffman
  5

  Dustin was AMAZING! He was so detailed and helpful. His response rate is incredible and he made us feel so comfortable through the whole process. We felt so luck to have him as our mortgage partner! Great Great company!!

• S

  Steve Van Wormer
  5

  Integrity First Financial Group, as well as Financial Specialist Sean Cosgove have helped me through 3 different home mortgage refinances. Every time has greatly reduced my monthly payments and interest rates. Additionally, their services couldn't be simpler... all over the phone or fax. The most hassle free experience ever. I am actually a month away from a recent home remodel and plan on reconnecting to see if they can save me even more upon completion!

• L

  Lorrie Hern
  4

  All was timely and done with attention to detail relating to continuous communications. One issue arose just after closing regarding the payment of flood insurance. Integrity covered the cost. Then, after closing and when the loan was sold to Wells Fargo, the escrow for the flood insurance was not credited properly. However, again, Integrity cleared it up once it was brought to their attention.

• L

  Laura V
  1

  Wish I could give less than one star.... I just went through an incredibly painful experience buying a home because of the gross incompetence of this company. Because there were so many errors, miscommunications, outright lies and unnecessary inconveniences, Tim Larin called me the end of September--he had heard about my experience. I told him I was about to send the CEO an email and he said it would have gone to him anyhow so not to bother. Unfortunately, after talking to Tim at length he said he would get back to me by the end of that week—in September. Never did. I emailed two weeks later asking for a follow-up (this was 10/11). He said he was getting off a plane and would call the next day. I have never heard back from him. I sent him another email. His lack of communication wasn’t unexpected. This has been my entire experience with IFFG. I have documented the entire ordeal beginning with a quoted a 4.3% interest rate that was jacked up to 5% when signing to being told I overpaid by $2700 and receiving an overpayment check for $1033--and everything in between. I asked to have my agent replaced many times because of her lies and incompetence and the request was denied by Chris Burke. Among the many issues: I was told out of pocket costs would be around $35,000. They ended up over $60,000 I was asked for earnest money in the amount of $5,000. I transferred the money and IFF lost it. It wasn't until after close that they found where the money went and reimbursed me and only after I told them they lost my money I sent over all the requested documents on the day they were requested—including bank statements, W2’s, payroll statements for 3 months. I was ask for all these documents again---and again. A total of three separate times. They lost them. We got documents that indicated the 4.3% interest rate and 10% down. After several weeks passed, we were told the loan was moving forward and we had documents to sign. I read the documents that have a 5% interest rate with a 20% down payment on the home. The documents do not show that $5,000 Earnest money was paid several weeks earlier. Out of pocket costs soared to over $65,000. I could go on and on...The closing date was delayed. The seller threatened to cancel the deal and this is just the beginning. I think their bait and switch tactics are unethical if not illegal. I think it’s funny that integrity is even in their name.

• S

  Shanikaquea Ragland
  5

  We had an excellent loan officer Ashley who was very knowledgeable, experienced, and answered every question and concern we had. She was always available to get in touch with. Overall, it was a great experience. I would definitely use them again!

• P

  Peter Caspersen
  5

  I've had the absolute pleasure to work with IFFG and Dustin G. here in San Diego on numerous occasions. As an experienced real estate broker in the San Diego market I can say hands-down this is the best experience I've had with lending. The best rates, extremely knowledgeable team & time, they get the job done quickly. Dustin knows the process and the rest of the team behind him at IFFG is always one, if not 2 or 3 steps ahead of the transaction. I cannot stress how important this aspect of time has been in a very competitive marketplace. They get things done quickly (as long as the borrower gets their info together in a timely manner) and this allows us to write aggressive offers to win deals. We are winning deals with 3, 7, 10+ offers and the partnership with Dustin is a huge part of success because all parties involved in the transaction know he will deliver on time. At the end of the day, the reason I refer IFFG and Dustin G. on a routine basis is the fact that they know how to help borrowers right off the bat by asking the right questions to avoid any surprises during the purchase. I know that Dustin will help get the best financing options available for each individual situation. I also like the fact the he is so honest with people and sometimes recommends folks wait to improve credit scores in order to get a better rate. The name of the company - Integrity First - says it all.