Wells Fargo Home Mortgage

tl;dr — don’t use Cesar /​Wells Fargo. Find professionals, perhaps at First Republic.
Cesar wasted an incredible amount of my time and jeopardized the purchase. Before we began, he asked for 24 months of canceled rent checks, a silly request that should have been a red flag.
After telling him clearly that I didn’t have 24 check images he said ‘ok’ and continued with other parts of the loan processing. Then he asked again for the rent checks. And again. And again.
After several weeks of precious contract time passed, he finally confirmed that I didn’t need the checks. However, I’d already spent days searching through old bank records and scanning images for him. I also began a 2^nd loan application with First Republic, since I expected Cesar to fail.
I tried to follow up with the branch manager, Diana, and received no response.

My wife and I worked with Stanley Erker on our home mortgage, he was recommended by our broker Laura Kaufman. Stan was great, he was able to perform on a 15 day close which was a term that turned out to be instrumental in landing our home. Stan was patient, responsive and professional. The underwriters are very conservative, and from what I can tell a major headache, and Stan seemed to be able to navigate those waters well and he put together «back up plans for his back up plans.» I heartily endorse him, I’d certainly use him again!

I just wanted to warn all Unilocalers against working with Stanley Erker. He is fairly new to WFHM, per his own admission, and definitely doesn’t know much about home mortgage. He is extremely unprofeccional, does not return phone calls and would not pick up on you even when he is in the office (I once droped by his office after unsuccessfully trying to reach him for two days, and sure enough he was there). Erker hardly ever has answers to your questions and has to consult his supervisor most of the time. It seems that he is purposly ruining the deal for you. He is taking his sweet time to collect, review, submit, re-​review, re-​submit your documents, only to tell you a week or two later that something is missing. Then the process starts all over again. He’d expire you of your locked (low) rate to get you into the new, higher one! Neither Erker, nor his supervisors, care about customers or their business! At this point I’m debating if I should file a formal complaint with BBB for ruining our deal after two months of game-​playing: Erker yet again ignored my emails about reimbursing us for the charged fees after promissing to consult with another depertment and get back to me.

Sooooo unprofessional. We had to wait for almost 2 months to close our mortgage! When I tried to reach out for our advisors, she was not responsive.

I worked with Damien Ha to finance my purchase of a new home in the City. We closed in September.
Damien was incredibly knowledgeable and professional, while also being patient and friendly. He also made himself available to answer any questions or help out with the preapproval, offer and approval processes, and even after closing, basically ²⁴⁄₇ — he has usually responded to calls or emails within an hour, even on evenings and weekends.
After going through the whole process, I am amazed at how Damien understands every detail of the mortgage business, and at how great a job he did making sure that I got my mortgage as quickly and painlessly as possible. He provided sound advice and was exceptionally reliable, in working directly with me, in working with my realtors and in aggressively pushing my mortgage approval through all the bureaucracy that has to sign off on it! Not to mention he got me a great rate :)

Lan Vu was a wonderful Home Mortgage Consultant. He went out of his way to help guide us through the process as we were first-​time home buyers. Wells is a huge organization but Lan was always available and managed to make sure everything got taken care of. He was pleasant, professional and knowledgeable, and I would highly recommend him to anyone seeking a home mortgage in San Francisco.

We had a very good experience working with Cecibel Gutierrez as our mortgage consultant with Wells Fargo. She was knowledgeable, responsive, and direct. During the home purchasing process you really get sick of people jerking you around, and Ceci was an antidote for that. Something that we really appreciated was that Ceci was more interested in helping us get a loan that worked well with our financial situation and future plans than in just getting it done. She even warned us when she thought other people we were dealing with might have interests that didn’t benefit us. Ceci totally rocks, these five stars are for her.

My partner and I are in the process of purchasing a pre-​approved short sale in which Wells Fargo is the servicer of the FHA/​HUD loan. We made an offer over a month ago on the property, which was the asking price and the seller agreed to it. However, Wells Fargo now wants $ 20,000 more to agree to this contract! I can’t believe financial institutions are allowed to operate this way. They are holding us hostage. It would be as if something was listed at Macys for $ 59 and when you get to the store they tell you they want $ 79 before they will sell it to you. i would NEVER recommend anyone to do business with Wells Fargo. Our credit is perfect, we are offering 35% down and giving them the asking price! I am just amazed that they are allowed to conduct business this way and are not held accountable to anyone! No wonder the banking industry is such a mess! BOO to Wells Fargo. We will never do business with Wells Fargo and I caution anyone reading this the same advice.

I was solicited for a home refinance by broker Damien Ha. I was approved for the loan, then he ordered an appraisal for my home. I was charged $ 495. for this appraisal, then I was informed I was not approved, but not by reason of this appraisal. I asked for a refund of this fee and was denied. Who in their right mind would spend almost $ 500 for something they recieved no benifit of. Damien Ha and his supervisors were extremely poor business people, and I would warn anyone from working with Wells Fargo Home Mortgage. They have learned nothing from the financial fallout due to the mortgage crisis. Be absolutely sure with these guys before you give them any money.