Exceptional Mortgage Services

★★★☆☆
  • 815 E Grand River Ave

    Howell, MI 48843

    Map & Directions
  • 517-540-9700

About Exceptional Mortgage Services

Hours
Mon. - Fri. 9am - 5pm;Sat. - Sun. CLOSED

Finance

Finance
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Both my son and daughter used Chris Mills as their loan officer in purchasing their first home. We were extremely satisfied with the way Chris handled the transactions. They closed their loans in a timely matter, and Chris went above and beyond to make sure they did.They will definately use Chris again when purchasing another home. I would recommend Chris to anyone wanting their dream home to become a reality!

5
★★★★★

Both my son and daughter used Chris Mills as their loan officer in purchasing their first home. We were extremely satisfied with the way Chris handled the transactions. They closed their loans in a timely matter, and Chris went above and beyond to make sure they did.They will definately use Chris again when purchasing another home. I would recommend Chris to anyone wanting their dream home to become a reality!

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If you want your questions to go unanswered, then this the place for you. Very unprofessional. I wouldn't recommend this establishment to anyone I know. I guess good "christian partners" would appreciate the fact that I consider it a blessing in disguise NOT to moving forward with Chris.

2
★★☆☆☆

If you want your questions to go unanswered, then this the place for you. Very unprofessional. I wouldn't recommend this establishment to anyone I know. I guess good "christian partners" would appreciate the fact that I consider it a blessing in disguise NOT to moving forward with Chris.

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We were referred to Chris by our Realtor. We had found a home we were interested in purchasing in addition to our current home. We sent over our information to Chris who informed us within a day that we were pre-approved for up to $200K so we started aggressively looking for a new home. When our Realtor requested an approval letter, Chris provided a letter stating we were only approved for $150K - ???? - this was fine since we didn't want to go over that amount anyway, but why were we approved for $200K and then only for $150K?
Once we found a home, we put in an offer that was accepted and signed a purchase agreement. It was not until we were getting ready to do the appraisal and AFTER we had already paid $300 out of pocked for the inspection that Chris contacted us and told us we NO LONGER QUALIFIED for the loan!
He apparently NEVER EVEN LOOKED at our W2s, tax documents and the like that are REQUIREMENTS of applying for a loan - he just ASSUMED we'd be okay and wrote some phony approval letter.
When we found this out we ran right in to the arms of another mortgage broker, not without first collecting our paperwork from Chris, but when we went to his office to get them, we were told that they would keep copies for 7 years! FOR WHAT? We didn't do business with Exceptional! And we recommend that no one else does either!!!!

1
★☆☆☆☆

We were referred to Chris by our Realtor. We had found a home we were interested in purchasing in addition to our current home. We sent over our information to Chris who informed us within a day that we were pre-approved for up to $200K so we started aggressively looking for a new home. When our Realtor requested an approval letter, Chris provided a letter stating we were only approved for $150K - ???? - this was fine since we didn't want to go over that amount anyway, but why were we approved for $200K and then only for $150K?
Once we found a home, we put in an offer that was accepted and signed a purchase agreement. It was not until we were getting ready to do the appraisal and AFTER we had already paid $300 out of pocked for the inspection that Chris contacted us and told us we NO LONGER QUALIFIED for the loan!
He apparently NEVER EVEN LOOKED at our W2s, tax documents and the like that are REQUIREMENTS of applying for a loan - he just ASSUMED we'd be okay and wrote some phony approval letter.
When we found this out we ran right in to the arms of another mortgage broker, not without first collecting our paperwork from Chris, but when we went to his office to get them, we were told that they would keep copies for 7 years! FOR WHAT? We didn't do business with Exceptional! And we recommend that no one else does either!!!!

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1 out of 1 people found this review helpful.

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I was not at all impressed or satisfied with this company. I was referred here by someone who was in the Real Estate business as part of their network and could not believe the unprofessional service. I was very disappointed - I experienced every single problem imaginable and Exceptional Mortgage made about $4,200 commission from my loan, yet, would not take some of the monetary hits that were charged for things beyond my control and due to the fault of others. I considered withdrawing my application many times, but was too deep in at that point. They lowered my loan amount without consulting me, which required me to bring money to the table to close. Then, they threatened to make my first payment due immediately following close because I started asking about why I had to bring money to close when, from the get-go, we had discussed zero (maybe even money back to me) at closing. When I started inquiring deeper as to who made this horrible decision without discussing it with me, I was told that "they worked really hard" to have my taxes escrowed at homestead rates instead of non-homestead. I know people in the business and they do this ALL the time, so I don't know how "hard" they had to work to do this, to be honest. I had recommended this company to other friends of mine looking to buy, but have since told them to go elsewhere.

1
★☆☆☆☆

I was not at all impressed or satisfied with this company. I was referred here by someone who was in the Real Estate business as part of their network and could not believe the unprofessional service. I was very disappointed - I experienced every single problem imaginable and Exceptional Mortgage made about $4,200 commission from my loan, yet, would not take some of the monetary hits that were charged for things beyond my control and due to the fault of others. I considered withdrawing my application many times, but was too deep in at that point. They lowered my loan amount without consulting me, which required me to bring money to the table to close. Then, they threatened to make my first payment due immediately following close because I started asking about why I had to bring money to close when, from the get-go, we had discussed zero (maybe even money back to me) at closing. When I started inquiring deeper as to who made this horrible decision without discussing it with me, I was told that "they worked really hard" to have my taxes escrowed at homestead rates instead of non-homestead. I know people in the business and they do this ALL the time, so I don't know how "hard" they had to work to do this, to be honest. I had recommended this company to other friends of mine looking to buy, but have since told them to go elsewhere.

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1 out of 1 people found this review helpful.

.

Chris got me a great rate and kept his word throughout the entire mortgage process. He and his staff were wonderful. I had serious apprehensions about some other mortgage agents I considered. I thank the Lord for directing me to Chris and would highly recommend him to anyone who wants a mortgage agent that can be trusted and is very enjoyable to work with.

5
★★★★★

Chris got me a great rate and kept his word throughout the entire mortgage process. He and his staff were wonderful. I had serious apprehensions about some other mortgage agents I considered. I thank the Lord for directing me to Chris and would highly recommend him to anyone who wants a mortgage agent that can be trusted and is very enjoyable to work with.

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I know the partners of this Mortgage company to be great christain men with Integrity and honest business practices.
I would reccomend them to anyone looking to re finance their home or purchase a new home. Located in Howell acrossed from the Soft cloth Car wash, on Michigan ave.

5
★★★★★

I know the partners of this Mortgage company to be great christain men with Integrity and honest business practices.
I would reccomend them to anyone looking to re finance their home or purchase a new home. Located in Howell acrossed from the Soft cloth Car wash, on Michigan ave.

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1 out of 2 people found this review helpful.

 

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