Him and his so called team cheryl martin etc were beyond lax in responding when called or texted. Terms kept changing. Did not lock in right away as he assumed it was going down as it turned out went up. Then for a week b4 the closing kept asking what would be amt we would need to close and of course were wrong and the day of the closing had to hunt a bank in the neighborhood to get money needed this was bs even the lawyers involved were shaking their heads with such incompetance.
My streamlined refi took 60 days to close after being told it would be just 30. I was told I would be advised when to lock my rate. During the delay the rates decreased another 1/2 point compared to when I began the process. I asked repeated about rate locks but was ignored. Finally, right before closing, I was told my rates were locked at the beginning, during the initial call. I was never given the opportunity to pay to unlock or to pay additional points for a rate drop. Very Disappointed!!
Second refi and things when much smoother with Planet Home Lending. I thought the team did a great job at being prompt and knowledgeable. I have already recommended their services to friends and family. I hope they are able to take advantage of near historic low interest rates and a great team that was able to make it happen for my family.