Reviews: US Bank Home Mortgage
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US Bank Home Mortgage is one of the top national mortgage lenders, offering a wide range of mortgage products from conventional loans, jumbo loans, to balloon mortgages. US Bank Home Mortgage is home of the Five Star Service Guarantee, which assures customers of certain key banking benefits and services or customers will be paid for their inconvenience. US Bank Home Mortgage has over 3,000 branch locations nation wide, making it easy for you to get help for your mortgage needs. With an easy to use online system, US Bank Home Mortgage allows consumers to easily make mortgage payments online and view the current and previous mortgage statements.
Read Bills.com review of US Bank no closing cost loans.
Related Provider Reviews: US Bank Debt ConsolidationHeadquarters: Bloomington, MN Website: www.usbank.com
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Additional Information
US Bank Home Mortgage Loans serviced 143,335 US Bank Home Mortgage Top States MN, IL, MO, WI, CA, CO, MI, OH, AZ, WA US Bank Home Mortgage Retail offices 37
Bills.com Rating
4
US Bank Home Mortgage is a leading provider of home purchase and mortgage refinance loans. With various tools, calculators, and FAQ, the US Bank Home Mortgage website provides valuable information for consumer looking to get a loan. US Bank Home Mortgage offers top of the line customer service and highly values each individual relationship with their borrowers, making them great for first time home buyers and returning customers. US Bank has many locations nation wide for consumers to come in and talk directly to a mortgage loan officer.
| Pros: | Useful Online Tools For Mortgage Planning, A Easy To Use Website, And Good Service |
| Cons: | High Fees, Rates Not Competitive |
Reviews & Ratings
US bank Home Mortgage did a great job for my refinance mortgage loan.
December 02, 2010
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 Home Mortgage - A Winner for Me.
December 18, 2010
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.
Get ready to wait!
S. Burlington, VT | December 27, 2010
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.
West Seneca, NY | April 06, 2011
BE CAREFUL... I was doing the samething and the bank in Owensboro,KY had me "going through the motions" and I lost my house anyway....If too much times passes...good luck trying to get a hold of them the lady we had in the refin department was either NEVER at her desk, out to lunch, or on vacation. I have more to this story ...JUST BE CAREFUL
Olmsted Falls Twp, OH | May 05, 2011
That is so true! They are VERY difficult to reach, and when you finally talk to someone, they are rude. I have faxed information to them at least three time in an effort to refinance, but they always say they did not receive it. The fax number they give you rings busy all day and night! I had an alternate number, and they still say they didn't receive it. They keep sending me forclosure notices! I am at my wits end!
Horse Cave, KY | November 19, 2011
Detail: I have had the worst experience with US Bank not knowing what could and would happen. I refinanced my home in 2006 with a 5 year balloon duh!!! Auto payments from account for 2 years. Husband lost his job due to unemployment. Stopped automatic payment which cost me and late on payments now the mature date is here and on my second round for modification just called haven’t received paperwork which on the first round of this 10 Didn't receive 2) Sent by fax papers od 3)Was denied because I made too much. Now, Iam going another time and as of Friday they haven't received next day air!!! I feel they want to foreclose. They know noting locally and no one at US Bank has tried to help. Just talk foreclosure. Can anyone help us keep our home???
Syracuse, IN | December 08, 2011
We have tried to do a loan modification with US Bank multiple times. Even after losing my job they still only want to see months & months of bank statements. We actually had someone from US Bank that if we couldnt pay our mortgage payment we should get our priorities straight & stop paying our credit card payments. The same guy said "we aren't in the red, so we dont care if you foreclose". They dont seem to care that you are trying to pay all of your bills & all we wanted was for them to lower the interest rate. We feel your pain. We also feel they could care less if the house goes into foreclosure.
Run the other way and DO NOT USE this Bank for a mortgage
Anderson, IN | January 14, 2011
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.
Springfield, OH | January 20, 2011
People don't go around telling people it's their job to lie. It's one thing to be disappointed but, to make a statement like that is crazy. Find a new lender if it's that bad.
November 10, 2011
US Bank is the absolute worst bank to deal with! When redoing our loan we had to submit the same paperwork at least 7 times! If I had to hear about a glitch in the system one more time I was gonna scream. The last time I sent in the paperwork, I sent it with a signature required on a freturn reciept. Magically all of a sudden, when we had a name who recieved it our paperwork suddenly appeared. When the market is better, you can bet I will be looking for a new and more accessable loan company, these people just plain suck.
Loan modifications from US BANK
Mandeville, LA | January 27, 2011
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
Fernandina, FL | August 07, 2011
Can you tell me how long it took you to get through the loan mod. review. I applied in late May and it is still in review when I call. What was your hardship? Mine was divorce by abandonment and no alimony and I am a breast cancer survivor.
Benton, AR | October 25, 2011
Lucky you , becasue they are the WORST CUSTOMER SERVICE EVER YOU CAN GET YOU GET BETTER CUSTOMER SERVICE AT THE DOLLAR STORE
October 27, 2011
How did you get through the loan mod process and give them such a great rating? I have been involved in this process since July and they still have done nothing. It is October 27.
Wingo, KY | November 02, 2011
GET A THIRD PARTY>>>>>> we went through this for 13 months they would not even start to help us . we were only 2months behind due to a layoff when we first asked for help. they put us off for months .we were listed in the local newspaper 4 times as having our home auctioned off on the court square for foreclosure.how embarrassing. we are very well known around our town. we were soooooo depressed. we finally ended up borrowing 1400 from our family and hiring a company ...and they took care of everything. it still took time but we got to keep our home.hang in there.
Plainfield, IN | November 16, 2011
They messed with me over a loan mod for 3 years and are taking my house tomorrow. I would advise you to get an attorney. If that fails please feel free to join me in suing them! chowningd1@gmail.com
Falcon Heights, MN | November 28, 2011
US Bank seemed to want to help us. But even after being in the Home Modification Pgm for a few years, they have suddenly raised our mortgage escrow up again to give us again a challeging, difficult, monthly payment amount to achieve. In Oct.2011 I was offered a deferment by their US Bank representative to put 3 late payments onto the back of my mortgage. US BANk sent an over night letter for my husband and I to sign, which we did and overnighted back via their envelope. 4.5 weeks later I get a call from a new rep....he says our deferment was declined. No letter/ paperwork or anything came formerly to tell us that, in a decent ,business TIMELY manner. I think they are in a mess their now. Big turn over too! I have a lawyer in the family who I am consulting...if you have another resource I can consult with, I'd be grateful...
Pray your bank doesn't sell your mortgage to US Bank
Andover, CT | February 15, 2011
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.
Refinance my mortgage with US Bank Home Mortgage
Coral Springs, FL | February 18, 2011
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 was treated like I trash by US Bank Home Mortgage
Cincinnati, OH | February 18, 2011
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!
Where is u.s bank mortgage?
Hazelwood, MO | February 22, 2011
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.
No help at all from US Bank Home Mortgage
Papillion, NE | February 28, 2011
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
Disappointed with US Bank Home Mortgage
Lynchburg, VA | March 15, 2011
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?
Owensboro, KY | April 08, 2011
You don't get a late fee if you pay by the sixteenth.
Saint Paul, MN | April 15, 2011
When you send US Bank a certified check in certified mail it might take two weeks for them to post it but at least you have recourse when they attempt to charge a late fee.
Henderson, NC | October 18, 2011
I do not know about that because I made my payment and they took their time getting my payment from the post office they say and it was after the 15th and guess what? I was charged a $28.00 Late fee this is crazy! One person told me that they check their post office box everyday and the other personI spoke to told me that they check the post office box once or twice out of the week. So when I mailed my payment in a after 7 days they still have not recieved it. I tried doing it western union , but was told even if you send it that way and they get it on the 15th of hte month they do not post it for the end of the business day and therefore I am still considered late. So guess what another $28.00 late fee
Refinanced denied, but I was still charged
Nampa, ID | April 19, 2011
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.
I flush the toilet when I speak to US Bank Mortgage
Buffalo, MN | April 28, 2011
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.
Forestville, CT | September 19, 2011
you are correct. us bank makes it difficult to make a payment through their website. They make you change your password every 6 months. When you forget the password (because you have changed it so many times already and can not remember it) you get locked out of making the payment, which can make you late. I think this is a criminal way of doing business.
US Bank Mortgage is terrible.
Milton, WA | May 25, 2011
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.
Refinance
San Martin, CA | July 19, 2011
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
San Jose, CA | September 29, 2011
Credit scores only go up to 850...
Santa Rosa, CA | October 18, 2011
My wife and I have been trying to get loan modifications for well over 4 years. U.S. Bank took over our loans from Downey Savings & Loans. Eight times we have been denied, loss of pay, homes underwater, pick a pay loans adjusting every year, etc.. This will be the first time we won't be making a house payment, U.S. Bank doesn't care about their reputation and has no customer service worthy of anyones respect. Credit scores at 780 now and about to tank. I've never thought of not making a house payment, scary deal, scary times, and evil bank to do business with. Wells Fargo beats U.S. Bank in customer service hands down. --R.B.
Questionable Marketing Technique
Melbourne, FL | September 30, 2011
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
U S Bank Home Mortgage Customer Service , Minus 5 Stars
Fort Lauderdale, FL | October 07, 2011
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
Awful Crooks! Stay AWAY!!!
Wilmington, NC | October 11, 2011
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.
Extreme prejudice and descrimination
Mundelein, IL | October 17, 2011
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
Wish we had known
Englewood, TN | October 25, 2011
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
Loan Modification Application Nightmare
October 27, 2011
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
Benton, AR | November 03, 2011
you need to call or contact the CEO ......try to call FHA OR HUD call the local news papaer too. I ahve been dealing with them too and they closed my case the first time for a surplus and now again for too far in the negative they are not following the guidlines at all !!!!!!!I never had such a bad mortgage experience........
Poor Service, Incompetent people in all departments
Fort Lauderdale, FL | October 29, 2011
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.
Its like any thing or any other place, there are good and bad employees, Sue, ours is 100%
Phillips, WI | November 05, 2011
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.
Foreclosed on and lied to repeatedly!
Olive Branch, MS | November 12, 2011
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!
Online Payment Fee
Kewadin, MI | November 14, 2011
It looks like they now have a $5 online payment fee. Completely ridiculous
I HATE THIS MORTGAGE COMPANY!
Plainfield, IN | November 16, 2011
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
US BANK FOR MORTGAGE BEWARE!
Las Vegas, NV | November 30, 2011
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!
Gepp, AR | December 05, 2011
Here in Arkansas, there would be 6 less thugs in this world. That is not a threat; that is a warning. We too are in foreclosure due to the economy. I was riding high for years with my carpentry business until Oboma took control. Our experience is that I catch them in a lie and they don't care. Our contact at usbank logs into the notes that she has tried to call us and both of our phones never ring from usbank. We are in the process of contacting the ceo and see what happens.
Douglasville, GA | December 09, 2011
How do you contact the CEO? I can't get past customer service. US Bank lies. US Bank told me on Friday, send in 3 payments by cashiers check on Monday. I did. They said too late. Now we want 4 payments, and sent the 3 back and foreclosed on me. Just like that. Sent my home to their attorney just like that, al in one day. Refused all payments. refused to talk to me any further. Demanded my EX be on the work out package after releasing him from the loan years ago. He has an attorney. I can't afford one. My daughter had Non-Hodgkin's Lymphoma cancer and no insurance. She is in remission, but has had many surgeries this year. I was doing the best I could. Why do they do this to people? Banks have more power than the President. US Bank, please stop and help us. Not hurt us. We need you.
Douglasville, GA | December 09, 2011
What do you eman they sent 6 thugs to your home? They broke in? Why? Now I am scared and crying. I live with my sick daughter alone. Will they hurt us?
Unfair Business Practices
Douglasville, GA | December 09, 2011
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.
Loss draft department a nighmare
Trussville, AL | December 12, 2011
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.
US Bank Home Mortgage is terrible
Chandler, AZ | December 13, 2011
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.
THE WORST BANK EVER! BANK OF AMERICA!!
Austin, TX | December 14, 2011
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!!
Minneapolis, MN | December 16, 2011
Yes, worst bank ever.
U.S. Bank
Barnstable, MA | December 18, 2011
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!
CRAPY customer service!!!
Decatur, GA | December 19, 2011
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
Nearly 5 months and still giving us the run around on a refinance
Newport Beach, CA | December 19, 2011
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.
Worst Customer Service Ever
C/o Harrisburg, PA | December 21, 2011
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!
Re-fi
Toledo, OH | January 04, 2012
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.
Castle Hayne, NC | January 31, 2012
This is my experience too. My loan was sold to US Bank two months ago, they are still telling me I can't set up online automatic payments. If they tell you something over the phone, you could call back the next day and hear something completely different from somone else. If you try to email them to get something in writing, you have to wait forever for them to get back to you. Just awful. I didn't think anyone could be worse than Wells Fargo.
Great Refinance Experience
Lancaster, OH | January 06, 2012
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??).
Loan Modification
Maywood, IL | January 07, 2012
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
U S Bank Stinks
Lawton, MI | January 07, 2012
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)
U S BANK STINKS
Lawton, MI | January 07, 2012
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
Donotwalkyet
New York, NY | January 14, 2012
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.
What is wrong with US BANK Home Mortgage Lately?
New Florence, MO | January 14, 2012
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.
WORSE BANK EVER...BEWARE DON"T BANK WITH USBANK
New Florence, MO | January 14, 2012
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
US BANK -- THE WORST BANK I'VE EVER DEALT WITH
Los Angeles, CA | January 20, 2012
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.
US Bank Needs An Education
Lincoln, NE | January 24, 2012
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.
Work out Package is a joke!! They lie to you!
Broken Arrow, OK | January 24, 2012
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.
Sad, betraying, Utterly disappointing, deceptive, and completely unfair
Mentor On Lake, OH | January 30, 2012
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.
Refinance Options
Orick, CA | February 02, 2012
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.
North Canton, OH | February 02, 2012
I agree with you . . . they would rather foreclose than help the customer. Struggling with this bank for months now. My home modification workout package was in review for over 6 months. I followed up weekly with them on it, they are a very difficult to get any answers out of. Then if you ask for a supervisor you get transferred to a voice mail. I had a special agent I had been assigned to, when you called her you get voice mail and no return calls. They won't even take my mortgage payments anymore, they return them to my bank. Now they say tomorrow my house will be in foreclosure. I have contacted a lawyer and I hope they will have to face consciousnesses for their unlawful and rude attitudes. They do not even follow the HUD and FHA rules, they tried to so say the only thing I could do is a forbearance agreement and it was a crazy amount they wanted me to pay every month. They refuse to give me any other options. Beware the customer service is very rude at US Bank and not helpful at all.
AFSOA
Fort Lauderdale, FL | February 02, 2012
We have had many wonderful results in restructuring home loans. Give me a call for details.
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Ankeny, IA | February 22, 2011
I agree with you about US Bank! You call and wait and wait, and after you enter all your information, they hang up on you. And you have to start all over, custom service is a -1, web site is a -10 they could learn a lot from wells fargo!! think twice before you remorgage or refinance with this BANK!!!!! US Bank is too big for its own good.