Beware
Written: Apr 17 '08
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Pros: Very nice, helpful, I was able to get pre-approved for a motgage by phone
Cons: I was not fully informed of what I should expect.
The Bottom Line: I am very disappointed in this company.
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| jewelry859's Full Review: GMAC Mortgage |
I recently started looking into the possibility of buying a home. I am a first-time homebuyer so everything is scary and exciting at the same time! I went to a few different places to get pre-approved for a mortgage, one of which was GMAC. I got the number of my particular GMAC loan officer through my realtor because I was looking into getting a construction loan for the home that I wanted to purchase, and apparently this company was known for this specific type of loan in my area. The lady I worked with was very nice and helpful—I faxed her my information, and I answered her questions by phone. I appreciated the fact that I didn’t have to meet with her because my schedule was really hectic. I was disappointed that she never returned my calls right away, but I do understand that I am not her only customer, and she did always call me back and leave a message.
I didn’t get the first house that I put an offer on and am still looking. I don’t have a mortgage with GMAC, but as I was going through my mail yesterday, I noticed that I received a new credit card from GMAC. I have never had a credit card from GMAC, nor have I ever applied for one. I called my loan officer to inquire about the mysterious card and her response was, “This usually happens if you have good credit—if we would have met in person it would’ve come up, but since we were scattered between phone calls it didn’t. You don’t have to use it.” I never consented to this card, nor was I ever informed that I would be receiving this card. I believe that not informing me of this credit card was a personal mistake by my particular loan officer, but when dealing with my finances, I don’t want people to make decisions for me about my credit and I certainly don’t want to be surprised if they do. I am very disappointed in the company; I feel that they undermined my financial trust in them. When I find my home, I will not get a mortgage from GMAC.
Recommended:
No
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Epinions.com ID:
jewelry859
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Reviews written: 2
Trusted by: 0 members
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