Mr Moe Ekhmies , a pleasure to work with. Mr. Moe Ekhmies was my initial contact with Zillow Home Loans. From the beginning he was polite, helpful, and well informed. He provided all the information and help that I needed, in a positive and respectful way. All the necessary information was successfully provided, and we made remarkable progress in completing all the paperwork. The refinance was completed in just a few weeks, unlike the experiences of friends who took months. In short, I am very happy to report on my experience with Moe Ekhmies. I am recommending him highly to friends and family. It has been my very good fortune to have worked with him.

You guys are absolutely trying to screw… You guys are absolutely trying to screw me over. I applied for a loan July 13th with you guys. Got the pre-approval, went home shopping, found a place, paid earnest money, paid for appraisal and inspections, a tenant was forced to move out because of the purchase. Received closing disclosures and everything moving smoothly. Until 9 days before closing date, i wanted to close 1 week early. I called my agent to let him know the only thing my sellers agent needed is a “clear to close”. The next evening I received a notice “revisions to closing disclosures”. My loan type had been switched, my rates went up and my $4500 down payment turned into just under $12000. ALL ONE WEEK BEFORE CLOSING! They have known I don’t have $12,000 for a down payment for the last 3 months. I have signed hundreds of documents and wasted 3 months of my life all because of this incompetent loan company.

Top Notch Doesn't get any better than working with Joe Kemnitz. He'll get the job done! Joe goes above and beyond the call of duty, he'll contact the listing agent for each offer made on real estate so they are well informed on what a strong buyer you are. Not just leaving you with a pre approval letter like the others. We were out of state, long distance buyers. Had lower credit scores due to serious injuries. Without Joe's expertise and perseverance we would of never been able to purchase our dream home in our dream location. There is the best and the rest, might as well hire the best and Joe is by far the absolute Best!

It's ridiculous that Zillow is now… It's ridiculous that Zillow is now accepting 1% down payments. It's a really bad idea because the less the down payment, the greater your monthly mortgage payment will be when the interest rate rises. How do new homeowners pay their monthly dues? I'm delighted to be a member of Avi VaTrace since I receive excellent financial advice from them.

Deceptive Lending Practices Zillow Home Loans engaged in deceptive lending practices during a recent purchase of a home. Despite knowing in advance that the home was a duplex, converted from a single family home, with a garage apartment, Zillow undercut other lender offers, both in terms of down payment (they offered 20% to another lender's 25%) and in terms of rate (they offered 5.0%, with the ability to buy down to 4.875% for a fee of $650). Once the rate was locked with Zillow and after the inspection report, Zillow reneged on both terms of the locked rate, changing the down payment to 25% (based on the number of units, which they knew ahead of time AND sought to obscure from their own underwriter) and changed the rate to 5.25%. After formally complaining, I was able to get the rate back down to 5.0%, but the cost to buy the rate back to 4.875% went from $650 to $2600. Zillow had visibility of both the property and of their own terms. They chose to deceive me into agreeing to a false rate and false terms, knowing they would later renege (once I was trapped in the situation after paying thousands of dollars in earnest money, as well as the appraisal and survey).