ING DIRECT Reviews
Aug 06, 2017
vintozver
1 Contributions 0 People Helped

Good offer and smooth preapproval. Application ok. Standard questions. Then, providing the documents. Binu and Jacob - a pair of clowns. They probably pretend or intentionally doing that. Calls never returned on time, questions never answered on time, asked for the same papers many times, stupid questions (with the answers which were already provided to them). Last minute requests ...
We closed behind the schedule, one day, just because I pushed very hard. I called every day, I complained, I yelled at the supervisor. I started doing that 2 weeks before closing when realized that the current pace won't help to close on time. I was right ...
Looks like there's a hidden criteria, and if you "qualify" - your loan will become a battle. A fight for your already made hard pull on your credit.
I have pretty good credit (748), low credit debt, paid off auto loan, but short history (came from another country). While credit rating is not a concern, neither income to debt ratio (good employer), short credit might be a concern, but I told them about that. They agreed to proceed ...
Anyway, these clowns ... "I submitted for the final reviews", "I don't know why loan hub doesn't work", I'm collecting papers only, it's another team to make a review and decision ... Why do we need the "loan sspecialists" and "loan officers"? To furnish the office? To add a proxy and increase the response time.

And even that, these "teams" messed closing ppwk, and we had to fix it with the agent and escrow. To keep the bank away of it... A mistake costed $200 to me...

So, if you want to apply - be ready to fight. Push hard. Insist. Spend time on sending everything over and over again. Don't give up, this wall can be broken.

Or find another lender. Your choice.

more ...