Reviews: US Bank Home Mortgage

I am not sure if I got the best rate, in fact i saw some lower rates online, but my loan agent from US Bank was super nice and helpful guiding me through the refinance process (and mine was complicated, since my husband has bad credit) so I was very happy in the end with US Bank and their mortgage process. Thanks. Sally.

US Bank is the same bank that i use for my banking and checkin accounts and they got me a mortgage loan. I thought that they were really flexible and fast. So I rated them higher.

Our loan was bought by US Bank on July 1st. We signed the refinance package after working with a loan rep. to get pre-approved. It has been 5 months since we signed those documents, 2 round of rates, and 2nd appraisal. They tell us every week that other customers are waiting just as long as you, the market is just flooded with refinances. Yes, I agree, but not to the extent of 5 months.

I have spent the last 6 months trying to work with this bank to secure a personal construction home loan. This is the absolute WORST experience of my life. They loose paperwork and lie to you about everything. We were told in the beginning that it would only take about 3 weeks to process the loan now 6 months later they are still stalling to get it closed. At one point when my husband questioned them about a lie they told him that it was their job to lie.

US BANK HAS HELPED ME GET THROUGH A TOUGH TIME AND MADE THE PROCESS EASY TO GET A LOAN MODIFICATION. I have always been treated with respect. Thanks US Bank Roxanne M

Does Mickey Mouse own US Bank? Based on our experience with them, and their awful website, it's probably an insult to Mickey Mouse to suggest he owns this incompetent bank. US Bank wants us to go green and bank online but they charge fees to pay your mortgage using their website--crooks.

I currently have a FHA loan on my townhouse, and I wish to refinance into a conventional loan so that I can purchase a single family home with an FHA. Can it be possible?

I recently contacted Loan Officer Andy S at the Hamilton, OH (Cincinnati) in regard to a mortgage. Mr. S was a total "suck up" on the phone until he learned I wanted a minimal loan of $40,000. His total demeanor changed and I was spoken to like a piece of trash. He did not follow up as promised and failed to return my calls. My credit rating is 751 and I have been a US Bank customer for 7 years. He did not hesitate, however, to charge me $12 to pull my credit. Would NOT recommend US Bank Home Mortgage!

I have been trying to get out of foreclosure since I got in it with US Bank Mortgage. I've talked to fifty different people at US Bank, sent in and faxed every so called" workout package" available to the point that they are sending me the same ones over and every time I get denial letters for reasons not listed and appear to be fabricated. Therein no one that ever gets back to you and no one specific person to talk to ever so you can never get the correct information or any information because they will tell you someone else is doing it never the people. US Bank is terrrible to its clients.

The way I was treated bu US Bank was completely wrong. I know I'm just a number to US Bank; but when I ask for help and beg for help, you just set more hoops for me to jump through. As many times as I faxed my stuff to you and as many people that got it, maybe you need to get your organization skills in check at US Bank. I went to 7 Can Help. You put me into foreclosure. There is only one guy that works at US Bank inside Papillion, Nebraska that has helped me. If you want to know more on how I was treated, feel free to contact me. My email is jjzemek@yahoo.com. This is just a sample of how I was really treated. Joseph Zemek

I've had a mortagage for different homes for over thirty two years and have never been charged a fee for paying my payment withinm the 1st through the 16th until now, thanks USBank! Why is US Bank Mortgage different than the other thousands of banks and the twenty or so I have dealt with?

We were denied a loan, and we have a perfect credit score! I was charged for an appraisal that took several weeks for the appraiser to come out, so the bank had plenty of time to determine if we qualified. I think it is terrible we were told that it has to do with us having an adult daycare facility in our home. I told the bank that I do adult foster care for the DD & MR population, but I was still turned down.

Call me immature but everytime I speak to a customer service agent I end with "this is not meant towards you but towards your organization" and I flush the toilet. I refinanced and the bank sold my mortgage to US Bank and it has been the worst experience of my life. Their website stinks. They charge you $3.50 to pay online, so much for going green. They lock you out of their website and then can't gix it so your payment is almost late. Terrible terrible terrible.

I struggled with US Bank Home Mortgage and give them a thumbs down. I have my acount and Home Loan with them and will close my account ASAP. They treat their customers terribly and all you get is the run around. I give them one star and will not use them again.

We currently have 2 home loans with US bank both in good standing. I emailed to possibly get a lower rate and the agent emailed back asking the typical questions which I answered, ahe also ask what the house was worth but told me do not go out and get a appraisal. After answering all the questions she ask what the house was worth and my credit score, I told her I was not sure. She basically at that point was not interested in my business. I think US bank will be losing a great customer! Credit score is 951

As it happens, I'm on the verge of filing bankruptcy. I came home from grocery shopping and found a red doorhanger on my doorknob stating, "URGENT, PLEASE CONTACT OUR OFFICE." I didn't know whether my hard-money lender had sold my note to them or what, but I did call the number. I got a recording that referred me to their website, after first stating, "If you are a US Bank customer, press 1. If you are making a third-party inquiry, press the star key." Except when you press the star key, nothing happens

If you are in need of relief , based on the information supplied by the web site " know your options.com" and try to do refinance with USBHM be wary. These people do not know the difference between Home Affordable Modification Program ( HAMP), Home Affordable Unemployment Program ( HAUP ) and Home Affordable Refinance Program ( HARP or in their lingo HASP)I requested refinance info and someone coding my account for a Modification plan , and then locked my payments out . They care not for their customers

I've never had problems paying my mortgage. My bank was bought out by US Bank. There are no branches near me, so I mail my payment in each month. I'd like to use the online service but they charge $3.50 ($5.00 after the 10th of the month) to use online payment. There's no way I'm going to throw money away like that each month. They send scams to you in your payment stub that look just like the stub, trying to get you to sign up for additional services. Nearly impossible to find pay address on their website.

12+ years with US Bank in Chicago and legally married in IL as a civil union couple. I moved a few miles west to a new location and usbank refused to cash a check addressed to me and my partner, which he endoresed. apparently they are one of the few banks that have written in their corporate policy the right to refuse to cash a check of this type. I went to my regular US Bank and had the check deposited and withdrew $20. The branch manager from the bad bank called my regular bank had them cancel the check

Hope and pry that you never have any storm damage to your home. We had 2 trees fall last April. Insurance gave us money which had to given to bank for control(our protection). First contractors were fired due to phoney charges and not doing work requested. That started 4 month delay in getting roof repaired during very rainy period. House now has drenched insulation in roof and walls, blue mold and mildew in at least 3 rooms and ceilings falling in those rooms. Insurance will not pay for damage due to delay

Feedback - Product - Complaint US BankHome Mortgage Loan Modification - HAMP October 27,2011 I first applied for a long modification request in July by submitting all required documentation. I had to fax this documentation 3 times before US Bank confirmed receipt. In August my application was reviewed for the WRONG loan modification. I was declined for the wrong loan modification, was not notified and my case was closed. I have been calling US Bank every week since July (it is now October 27) to check on the status of my account. This is how i learned in September that they reviewed me for the WRONG loan modification program, that I was declined, and that my case was closed. The rep at US Bank reopened my case but nothing has happened. I learned on October 19 that more documentation was required. I submitted that documentation on October 20 and it was received and added to my file on October 22. On Oct 20 I spoke with USAA Representative Amanda Richardson who is supposed to be my Representative for loan modifications. She said she would be in contact with US Bank to find out when they will review the most recent documents submitted. US Bank can not tell me when they will be reviewing this documentation to verify they have all they need to begin the review process. I was told yesterday by Natasha ID TCA that US BANK is not required to make a decision on my case until they have ALL the documents they need. They cannot tell me when they will review these documents to see if they have everything they need to make a decision. This is an absolute nightmare. Sonia Field of USAA just told me that there is nothing USAA can do to assist me. I have been doing everything that is asked of me and yet I risk loosing my home. I do not know who or where to turn for some assistance

This is the worst bank I have ever dealt with. Not only are most of the people who work for this bank totally incompetent they are not even helpful to their clients. I have been a customer for over 15 years and have had the worst service the past two years.

We are going on our 3rd house loan with US Bank, we moved 2 hrs away from our old bank, and asked if we could still do business with their branch, she said it was unusual, but yes. Thank God, yes their rates are a partial% higher, but her service can't be beat, she has helped in too many ways to count. They have never shafted us in any way, and all their people in that branch are great. I don't know if you'll print this, but my bank is in Wisconsin Rapids WI.

We started working with April Jones in March on 2011 after we fell behind on our mortgage. She was great! She helped us get a Forbearance for May, June and July. July they went to a centralized fax number. That is when everything went to HELL! Faxes are INSTANT! But they say it takes 48 HOURS TO RECEIVE! Faxes were 'not received' even though we sent them multiple times and have the confirmation to prove it! Long story short, The last time we sent in our modification package, They foreclosed and won't help!

It looks like they now have a $5 online payment fee. Completely ridiculous

I missed 3 payments, 3 years ago. They increased my payment to 50% of my income, then told me four times they could modify my loan, lost my info 3 times, lied to me, and are taking my house tomorrow. I don't trust them and I don't think they are nice. They are GREEDY, charging me about $36,000, for missing 3 payments. Their customer service reps are liars. They do have the knowledge on how to approve you for a loan, but their knowledge of basic human morals sucks. Desireen Chowning

Unfortunately, our home loan was assumed by US Bank. We are now in foreclosure with them. They did not operate in good faith in trying to modify our loan. They reduced the payment $7. Now in foreclosure with a sale date of 12/14/11, yesterday they sent 6 thugs over to our house. They broke in through our front door came in and smashed our alarm system. When we finally got someone from the bank to talk to us, they said "oops sorry, I guess we jumped the gun! The people that they sent weren't even licensed!

US Bank will lie to you. Get an attorney. They can not be trusted. You do exactly what they want, and they still will forclose on you with no recourse. Beware.

Home hit by and nearly destroyed by a tree in Sept 2011. Loss draft department a nightmare. Repairs completed 31 days ago and inspected by their inspector. Never received one cent from US bank yet. Keep asking for more information never heard of before which makes you start over at the beginning. Lost documents sent overnight mail. Say they never received faxes sent. Will not release amount of insurance proceeds in excess of the remaining amount of the outstanding loan balance.Mortgage in good standing.

I could write a book about my whole loan modification process with this shady lender. I would really love to start a class action lawsuit. B of A and Wells Fargo had to clean up their acts, why can't US Bank? Everyone you talk to there is vague, they won't provide you with any contact information, if you ask for a manager they won't put you through to one. In the months of struggling with them I think I actually spoke to someone who so called was handling my file like 3 times. Unacceptable.

this bank will charge you 35 dollars for others trying to pull money out of your account! everytime you look around its 35 dollars for this, 35 dollars for that. THEY even charged me 23 dollars a month when i wasnt even using my account. When i complained, it was for non usage. WTH!!!? thats crazy!!!!! the management is even worst!!! they guy has attitudes when you complain about a charge you didnt use on your account!! when i said i wanted to close my account he wanted to me to go else where to do it!!

I have read most of these reviews and my experience with U.S. Bank is the same...awful. I would suggest to everyone that they file complaints with their states' Attorney Generals Office (in Massachusetts this can be done online.) Massachusetts just filed complaints against many banks for committing the same fraudulent acts people have listed on this site...the complaint can be read on line...read it...our Attorney General is Great!

no wonder people are letting their homes go into foreclosure!!! it's imposible to get anytihg done with US Bank Home Mortgage. I have to spend hours of my day to attempt to get anything done, on top of everything they are rude, not helpful at all. We have NEVER been late on our mortgage but can't seem to get anything done about our escrow. HORRIBLE SERVICE

We had a loan representative at US Bank named Thao, at the Costa Mesa, CA, Branch. She was really nice in the beginning but eventually stopped answering our calls and emails. She originally said that it would take about 45 days for approval and it has been 4 months and they keep dragging it on. They cancelled our home appraisal 2 hours before it was supposed to take place and still haven't refunded the $600 appraisal fee. We have since refinanced w/ someone else and it took 2 weeks to get approved.

Trying to straighten out a flood damage claim. No response to emails, on hold forever when I call, then I get the "this is our policy" speech with a promise to send more forms. I'm current on payments, have a FICO over 800, and still get treated like crap. Veterans beware!

well I guess I'm not as unlucky as the rest of you. I re-financed and THEN my loan was sold to USBank. No probs so far but am haveing a hard tiome trying to set up online payments.

We bought our first home in 2009 using Fifth Third Bank (also a great bank). We refinanced 4 months ago to a 15 year at 3.5%. I was a bit worried after reading these reviews but we had no trouble whatsoever. The process took quite awhile because of so many people trying to refinance right now, but other than that it was painless. We set up a checking account with them and have money deposited into it from each pay. They take the mortgage payment out automatically. We don't really have to think of anything. We will even have a small savings built up over time because of the automatic deposits from our pay. I would caution those that are worried based on the negative reviews here to take them with a huge grain of salt. If you have a good credit score, low debt-to-income, and solid work history - you're fine. If you make your payments on time, which is most easily done how we do it, you're fine. Most of the people complaining on here are those who are losing their homes. While I feel for them, a bank isn't responsible for that, nor are they required to modify your loan. I've never had a problem with their customer service, either. Then again, I don't believe in being rude to people (flushing the toilet at them like another poster...really??).

Do not try to do loan modification the reason being lost of job, i did entire process and at the end they told me did not qualify . Two weeks later i received foreclosure papers.I ended up getting another loan to get mortgage to date , and now they want to charge me for home inspection they did on their own , what a joke

I aplied for a modified loan when they 1st came out. payment went from 890 to 1400. was told I had to pay 1400 for 3 months. I paid it for 5 months then they denied the modified loan. In 2011 they called and offered me a no doc, no apraisal loan at 5%. I paid 300 aplication fee in March. in april a storm damaged the house. In may they called and said they would now have to do an appraisal. I said my house was damaged and it would take time to fix it, so I did not want the loan and wanted (SEE PART 2)

tried to modify in 2009. Paid for 5 months then was told no with no reason. Feb 2011 they contacted me for a new 1st morgage refi.paid 300 ap fee NO DOC, NO APRAISAL.In may they demanded an apraisal. house was damaged by storm in April. told them no to the apraisal,I asked 4 my money back. Told me NO. they kept me LOCKED in a RATE for 6 MONTHS. ILLEGAL?? we are now being foreclosed on and have been told lie after lie. qas told ppl like me who stop making payments is what caused all the problems. STAY CLEAR

I wanted to thank Donotwalkyet for the friendly and timely service. I really thought I was getting evicted, but thanks for being with me throughout the whole process and guiding me about my rights.

US Bank claims they never got my payment in the mail. Paid mortgage payment at back through checking. Stopped payment on other, we knew they would try and cash. Well 2 weeks later, nasty letter saying they couldn't cash check, oh great the one i stopped payment on. 30 bucks wow, Sent Jan. Payment, letter once again telling us they never recieved and will charge another late fee. What are they doing? Trying to make us automatic pay or they just swendeling us out of more money. So disappointed with USBank.

Worst Rate and Fees worst customer service, they are holding our mortgage payments on purpose to charge late fees, guess they are going to try and take our home next. We have excellent credit, since we don't have auto payments we still try to maintain some kind of control by writing a CHECK. first time ever in 16 years charged a late fee. Is that the only way you can make money is to Screw good customers over or you trying to take our house. BS Please don't take out any loans with this Bank bailout bank

Never have any account with US Bank. Plain and simple, it's the most inefficient bank in the world. Their Internet Banking is a joke. I have excellent credit, pays many times over the minimum payment due and yet the balance never moves. The current balance, even after payment is even higher, than the last statement balance. Avoid the frustration of dealing with people who should not even be in the business of banking. DO NOT EVER WORK WITH US BANK.

I would think if 1/2 the people dealing with US Bank either has problems or gets ripped off that should be a sign that others could also get the same. Why would anyone do business knowing that there is over a 50% chance that they are going to have a bad experience. I had several bad dealings with the bank, from incorrect bank fee's, incorrect coin counting when I cashed in coins, but the most aggrevating was a two week hold on a good deposited check . When I complained they added two days to that wait.

Horrible Bank! In 2009 applied for a work out package. Got a forbearance for 6 months. After 6 mo, they asked for 5,000. Few months later, they filed for a foreclosure. Bank said that during the Work out Package, foreclosure procedure will continue until the package is approved. We filed for chapter 13 to stop Foreclosure. 2 yrs later, we get the workout package in the mail to sign and we have been paying mortgage by Chapter 13 for over a year. US Bank does not care about you, and customer service sucks.

If anyone is thinking about getting a loan/bank account/credit card with US Bank DO NOT DO IT! I've had a credit card with US Bank for 4 years and never once have I paid interest because I always pay it off before interest accumulates. So I get a letter today that they are charging me a $40 annual fee. I call them up telling them to take it off because it was not in the contract. They tell me they won't do it.

I'm in an adjustable rate mortgage with USBank. It has been fixed for the first 5 years at 6.95%, with the first adjustment going up 2% soon. The property, like everyone else, has decreased in value between 40%-50%. I've been trying to negotiate a refi with USBank. Because of the loss of value, they can only offer me another adjustable rate loan, starting at 6.75%. This is "the best" they can offer me according to their underwriters. They would rather foreclose than negotiate a reasonable refi.

We have had many wonderful results in restructuring home loans. Give me a call for details.