Quicken Loans
Reviews and Complaints

This Company should not be allowed to stay in business, and continue to cheat people out of their money. I lost 375.00 "good faith" upfront deposit to these scammers. I applied for a "refinance" to my existing mortgage for a lower 15 year interest rate than my present one. The 375.00 was an appraisal/application fee which Mr. Brian Pientowski at Quicken Loans said he would "roll over" into the closing costs. The only thing that got rolled over was me! The loan did not go through because the appraisal was lower than anticipated. He did not tell me upfront, that this might happen. (Of course, why would he? I might not apply for the Loan? ) I should have known better. I will be filing a complaint with the NYS Attorney Generals Office. Don Sawyer, Rochester, NY

I recently contacted Quicken Loans for a refinance on my current mortgage. I figured they were a reputable company simply because of the amount of advertising they do. After hearing what they could offer me, I agreed to pay the $400 upfront appraisal fee. Originally, Quicken had told me that the interest rate would be locked when I gave them the $400 deposit. Towards the end of drawn out and delayed process, I learned that the rate had gone up .375%.

This is when i started doing research to see if others had similar experiences. I read all of the negative reviews from this website, many of which having to do with my exact situation. At this point, I attempted to get the $400 deposit fee refunded. When it became clear that I would not be refunded this money, I started to look elsewhere.

I then obtained a new mortgage lender on a recommendation from a previous complaint that someone had written regarding Quicken Loans. The company is First Integrity out of Costa Mesa California. Their website is www.firstintegrity.us.

I could not be happier with my decision. First Integrity kept their word, was in contact with me in every phase of the loan transaction, promptly returned my e-mails and phone calls, did not charge any upfront fees, gave me accurate upfront quotes, and reimbursed all of my closing costs as promised. My loan representative was Sam Pabuwal, phone number [protected].

Please do not use Quicken Loans for any reason. If you need more proof, read all of the negative reviews about them on this website.

I was doing a quick check of current rates, considering a refinance from 5.75%. Without asking for permission, the Quicken Loan agent pulled a credit report. This automatically represents a negative on my credit report. Avoid this company.
Gary L Wade, MD

Early Nov I locked in at 3.875% for a 30 year refinance. House appraised good, my credit is excellent. I am a beneficiary of a Trust so I have to write off losses that the Trust incurs on a schedule K for trusts and estates on my taxes. They kept delaying me saying that seemed fishy. It was if they didn't even know what a trust was. So 3 months go by, now interest rates have gone up almost a full %. They call and say congrats we're ready to move ahead, but of course now they are offering 4.625% with 3.2 points and some outragious closing costs that didn't even make sense. So I bailed. Of course losing the $500 also. So either they didn't understand what a Trust is, which would make them grossly incompetent, or they didn't want to honor the original interest quote since rates were raising rapidly. Take your pick, incompetance or dishonesty. I Dunno, but I recommend you stay far away from Quicken Loans. Oh, and they're not even quick.

Dear Thomas Ciarrocchi,

We received your letter of January 4, 2011, in which you indicated that you were unable to offer us the loan to re-finance our primary residence home. Your letter stated “low-appraised value” as the reason for declining our loan request. I am writing to set the record straight regarding that loan.

Firstly, the loan WAS approved by Quicken Loans, and we had reached the point of meeting with the Notary Public in our home to sign escrow papers. (See the attached approval/escrow letter.) For you to state that the loan was not approved (for any reason) is untruthful and unethical. Perhaps somebody needed to be able to report to his/her seniors that the appraisal came in too low to warrant that loan in order to cover Quicken Loans’ missteps. But, no matter how you try to alter the truth, the fact of the matter remains that the loan was, indeed, fully funded and approved.

Secondly, we had to reject the escrow terms, as they were drawn, because they contained negligent and inattentive errors on the part of Quicken Loans people. When those were corrected, and the loan again fully offered to us, I began to review the entire sequence of events—from that first date in October when I contacted Quicken Loans to inquire about the terms offered in a marketing mailer, to the date in late December, when the escrow package (containing stale-dated payoff and loan amounts) arrived at our home just an hour before the Notary Public arrived.

I recalled the long, slow process taken by Quicken Loans on a transaction that was a very clean application from homeowners who demonstrated and verified:
• excellent credit
• significant equity
• documented W-2 income
• healthy checking and savings account balances, and
• a low income-to-debt ratio.

When an inordinate amount of time had passed before I heard from Quicken Loans, I called you in early December to determine the status of the loan process. I received “explanations, ” rationalizations, the citing of medical problems among the staff and busy workloads to justify the slow service. And this was for a very “clean” loan application! 
I came to the realization that Quicken Loans was not the company with which I would choose to do business in the area of home mortgages, and I am going to ensure that this data is also received by the executives of the company and by the three major credit reporting agencies who may have information in our profile.

This written complaint and exposure of Quicken Loans’ unethical practices would not have occurred if we hadn’t just received your untruthful letter stating that our loan was disapproved by Quicken Loans due to “low appraised value.” We reject that indication, and we will expect a letter of apology and a truthful statement communicating:
a) that we did, indeed qualify for the loan,
b) that we were approved for the loan,
c) that we were the ones who stopped the process, (not Quicken Loans) and
d) retracting the “low appraisal” statement as a false report.

Your request to be considered for future home financing needs will be based upon your handling of this matter.

Sincerely,

RG

cc: Equifax
Experian
Transunion
Law firm of Parcel, Davis & Greenberg

QUICKEN LOANS is a ripoff, did not disclose money needed at closing. denied first loan then second loan was a nightmare with constant documentation and even wanted my mother in laws bank account statement because she gave us 5000 dollars for other reasons.then told me i needed 5000 dollars for closing when first told closing cost would be included, gave me a run around about the appraisal not being high enough and that my second mortgage lender GREENTREE governed how much money that they[QUICKEN LOANS] could lend me and we were short the 5000 dollars, pretty coincidental the amt was 5000 dallars. lost my 500 dollars as well.

I contacted Quicken Loans (Josh Martens) for a home re-fi loan. There's a $500 deposit that is non-refundable that I made based on the loan rate Josh told me I could get after checking my credit and collecting income and home value data. I proceeded to have the loan initiated and when the first set of paperwork arrived I discovered that the loan processor (Josh) overstated the value of my home from what I'd told him by $90, 000. I was told by Josh and a subsequent banker that called to validate the info that it wasn't a problem. I was clear that I wanted a conservative estimate on the value of the home so there were no surprises. Before an appraisal was completed or providing any other information on the home, the loan processor told me the paperwork had been revised and the original loan I was offered wasn't available based on changing the value of my home from HIS overestimate by $90, 000. I reviewed the subsequent/modified paperwork, found enough discrepencies to make me concerned, and ultimately determined that I didn't trust Quicken Loans enough to proceed. I feel very scammed by this company. Despite THEIR error in the paperwork, I am told it's MY problem and there will not be a reimbursement of the $500. Can't even tell you how annoyed and disappointed in this company I am. Going to put a lot of effort into letting folks know about my experience so they don't get $500 from the next person where they "accidentally" alter the figures on their paperwork.

Don't Use Quicken Loans! you can save money and time going else where.

I call them about refi my house and talked to a Berton(Burt) McLain, Executive Mortgage Banker with Quicken Loans
I had 3 things i wanted to do, Take my wife off the title, do a streamline FHA refi, and lower my monthly payment

My credit is great, i have a little cash to refi with, Burt assure me it would not be a problem, then he sai i did not have an FHA loan. (WRONG!)
Burt told me to get my wife off the title would not be a problem (WRONG)
Burt also told me i would say 180 a month and only have to bring $480 to close. (Wrong)
it became apprarent that this guy had no clue of what he was doing.

they made me jump though hoops trying to get this stupid loan and i could never call and talk to Burt directly, i ended up talking to his boss Adam, but Adam did seem to care but never did anything.

Latter he told me i would have to pay and extra $40 a month for only 10 months, i check and recheck with him and asked for proof on this with an amerazation

I really could go on and on with tons of details about this messed up process but i will not, just understand that i have done other refi in the past with my rental house and the purchase of this house and have never been screewed around with so much. Never use Quicken loans, they suck.

About three years ago my husband was injured in a bizarre accident that left him disabled. Our home had just been paid off completely & we should have been relaxing, but instead we had to remortgage the house so that credit cards could be paid off & we could create a cushion until disability kicked in. The worst thing was having a new mortgage payment at a rate of 12.99%.

In September of 2010, with interest rates dropping to drastic levels, I decided to try to get our interest rate lowered. First of all there is no such thing as a free estimate – Quicken Loans would not talk to me until "earnest money" was paid. For me that amounted to $500.00 that I honestly did not have unless I put it on a credit card. So much for trying to live CASH ONLY.

Then I found out that in Texas it is a law that a home must be appraised every time an owner wants to refinance. It does not matter that the home was appraised just a little over a year before - it must be appraised again. I don't know if that is true or not, but I wanted to comply with everything Quicken asked. The owners (or in this case, my husband & I) are at the mercy of the appraiser. When the appraiser came to our home, I was in the middle of trying to reorganize boxes of collectibles and books) that I had inherited. Also, my son was leaving all of his possessions as he prepared to relocate to Ireland where he will get his Master's degree. To say the least, it was not a good day for an appraisal, but I wanted to get the ball rolling.

The appraiser indicated on his report that "flooring had to be replaced", the stairs had to be carpeted, the master bedroom needed new carpet, and the most insane thing of all - a gas meter had to be installed. Although I explained to the appraiser that we lived in an all-electric home (electric water heater and oven for cooking, Amish portable heaters for winter warmth, etc.) Quicken Loans made it mandatory that not only did we have to re-carpet our home, but we had to also order a gas meter to be installed. This was because at one time we had had a gas furnace for heat. Even though we had not used the furnace for the last five years, the appraiser insisted to Quicken that before any refinancing was discussed, all improvements must be made., including ordering a gas meter at our expense.

My husband & I were struggling with the large mortgage as a result of the high interest; hence, the inquiry into lowering the interest rate. We had no money for the improvements that Quicken Loans insisted we make. All work had to be done by my disabled husband & myself and it had to be done at our own speed since we could not afford to hire anyone. In order to keep from running up our credit cards again, we paid cash for everything...and that caused certain bills to go unpaid. My husband and I complied with everything Quicken Loans required, including all the cosmetic improvements and a deposit on a gas meter that was completely unnecessary. Every day Quicken would call to question when the improvements would be finished because we could close “shortly” after that. When I would try to explain that we had no money and my husband was legally disabled, I was continually told that time was ticking and the interest rate was only locked in for a very short time. No one would listen to anything I said!

Long story short, improvements were made because we were told they had to be made, my credit rating fell because I only had enough money for the required carpet, deposit on the gas meter, etc., causing me to fall behind on bill payments. Then after the improvements were satisfactorily approved by the appraiser, the Client Care Specialist (Quicken Loans) assured me we would be “closing soon”, so I did not pay my mortgage and Quicken Loans denied us after all because my credit rating dropped. Now I have lost my home by being behind on the original over-inflated mortgage.

Rude customer service charged to much for closing costs.

When I called CS they could not lift a finger regarding my questions

on my current loan. I got an excellent rate, but paid for it big time with closing cost. The customer service is awful when i called about my margin and what index my payment would be adjusting too. they are rude

They are money hungery people charging all these fees.

They quoted my a 6-month index adjustment and when I received the paper work it ended up being the 1-year which will cost me more money in the long run. When i called back about it this man Will said there was nothing he could do about it.

We recently contacted Quicken Loans about refinancing a mortgate held by a company that does not do refinancing. They simply own the mortgage and partner through Quicken for refinancing needs such as ours. Our options for attempting a refinance were limited to Quicken because the house has lost value, and only your current lender is required to attempt refinance in these cases. I had read the reports on Quicken, but had no choice if we wanted to attempt refinance.

I expressed my concern about the up front cost for the appraisal and whether it would return a value that would allow us to proceed based on a market report I'd recently received through my real estate agent that was based only on recent sales of 2 bedroom/1 bath houses. I provided the value from that market report to the Quicken loan processor along with information on a recent sale of a similar home next door with similar square footage, but a 3 bedroom/2 bath configuration. I was encouraged to go forward with the appraisal.

I was not told the appraisal would be limited to recent sales of 2 bedroom/1 bath houses regardless of square footage. The comparables were less than 1, 000 square feet in two cases, and our house is almost 1, 600 square feet. The only comparable close in square footage was a condo.

Had I known the appraisal would be conducted as it was, rather than as our purchase appraisal was done (homes of similar square footage regardless of configuration), I would not have proceeded and not have lost the appraisal fee.

I know a few people that work for quicken loans and one of them I know pretty well, they brag about scamming and ripping people off, the drug use that goes on, and their" at work relationships" they even told me how they have training to scam people, I honestly feel this place should be investigated by the feds, and put out of business, they don't hire experienced people so they can train new hires their way, one person that works for them started off doing mortgages but just couldn't do it "their way" so they sent that person to a sister company that doesn't deal with mortgages, I really hope the feds step in and shut them down for good!

I am a former employee of Quicken Loans/One Reverse Mortgage. I assure you that I am of the highest ethical character, and that when I was hired, I sincerely believed that I had landed a solid, reputable career with a distinguished company. Turns out, I was among 200 people in my hiring class who thought the same thing. You see, QL hires approximately 200 people each month. 90% are, like me, recent college graduates looking for our first post-college jobs. Throughout the initial orientation which lasts two months, we are fed a steady supply of popcorn, slushies, and other "hip" foods, persistently told that we are the brightest and best in the Metro Area (the headquarters is in downtown Detroit), and that we all will soon be making $100k annually as soon as we prove ourselves. After training, much of which is mandated by the recent passage of the federal SAFE Act and it's licensing requirements, we are put on the sales floor. At that point, all the things we learned in SAFE training becomes completely irrelevant... because we aren't mortgage loan originators, rather, we are telemarketers and our sole purpose is too remain constantly dialing the phone, speaking to anyone who put a phone number anywhere online, and convince them to take a deposit. NO BODY YOU SPEAK WITH AT QL IS A MORTGAGE EXPERT. They are all young, brand new kids who are being monitored incessantly by supervisors. They have a quota of sales calls that must be met daily. Their job is not to "work with" clients on finding a suitable mortgage product based on client needs, but to as quickly as possible sign clients up to the most lucrative deal possible. I lasted five months: Two months in training, two months as a cold-calling telemarketer for Reverse Mortgages, and one month as a full "mortgage banker". Then I quit. A huge majority of the 200 people I hired on with will not be there one year later. The pay is NOT $100k, the work is not intellectually challenging (we are, after all, college grads), and by no means should any of those sales reps be considered mortgage experts. They are not. I was not. I have a hunch that QL's business model requires hiring college kids who are bright enough to pass the licensing requirements, then put in automated sales roles designed to reach as many potential clients as possible (bulk matters). We are promised the moon and the stars and continuously told how great we are. We get very pumped up (almost cult-like). We dial the phones from 8am until 8pm, 6 days per week, DESPERATE to get clients enrolled in refi, purchase, or reverse mortgages. We get $9 per hour to do this. After 6 months to a year, everyone is broke, exhausted, and finally quit. But QL doesn't mind, they have hundreds more in the pipe going through the various stages of training ready to fill the void at any moment.

I filled out an online request in October to refinance my townhouse in Missouri . I got a great response in the beginning...then weeks turned into a month...called to find out the girl handling my account "moved on". A new person took over, set me up for VA loan, sent an appraiser out for a look...found out (now 3 months later) that my home is actually a "condo" and VA does not loan to "condo's" anymore...would have been nice to know this before I spent $400. Don't expect them to be professional either, the use of their personal cell phone allows them to act like a**holes since there is no recording "for quality assurance"! BE AWARE>>>

This company took a $500 deposit on an overextended credit limit, knowing that I needed to make this loan work or I would sink fast in the treacherous financial market exacerbated by Quicken Loans policies. The credit card owner Citicorp refused to take back the deposit and this too has stung me! I was thrown into a debt cycle that I still am trying to negotiate, and if I received a fair and honest loan, I would have been out of this problem at this time. This happened in 2009, and I did not have any fees since I withdrew my contract within 24 hours, since what was said and what was offered did not add up. Unfortunately I did not check this site, or know it existed, and instead chose to look at the BBB rating which is skewed towards business rather than the public.

Now there is a full-time bimbo named Kelly that is responding to people shafted by the unethical policies of this company. The representative Kelly pretty much writes from a script, which I imagine with a lot of time, and hard work, one can become quite efficient. The people one deals with at Quicken Loans will record your conversation/order, which tells you right away about their product since this is a huge red flag that tells people who purchase this product they may not be happy at all, and Quicken needs to refer back to the old adage that we have your voice confirmation on tape ploy. I know since they did it to me. They also conveniently lost the recording when it came time to review documents to consider a return of my deposit. They now have a new set of policies in place. They will try and get you to keep the product by telling you of all the benefits, extending your paper process period etc. but you will not get back your deposit. If anyone is really considering keeping this gem of a loan, if they call customer service and are firm in their desire to have the loan product, Quicken will be using their inspector to negotiate the cost of your house down to almost nothing. This is a NO WIN situation for the financially strapped customer and a windfall for Quicken Loans.

Go ahead and give Kelly a call, or send a message, and ask for a return authorization for your deposit. They will try and get you to keep the product by telling you of all the benefits, extending your paper process period etc. but you will not get back your deposit. If you are really considering keeping this gem of a loan, go ahead and call customer service, and chances are that by being firm in your desire to have the loan product, they will first negotiate the cost of your house down to almost nothing. This is always a customer LOOSE/Quicken WIN situation. This is hardly a business that should brag about having a BBB rating of A+ that they bought by financially supporting this local bureau.

Quicken Loans is the cattle call of home refinancing. They make you give them a deposit and sign a deposit agreement and promise you will get the deposit back. When you question the numbers on the loan documents they reassure you that everything will be "fine. I refinanced many times in the past and was never misled by any of them, so I assumed this loan agent, Jason Dubois was telling me valid information. Well it was all a scam. My house appraisal didn't come in high enough and I didn't have $10, 000 to pay down my loan so I didn't get the loan. However, since I signed the deposit agreement I was out the $500. The loan agents can say whatever they want to get you to give them credit card numbers and to sign loan documents, but are not held accountable for what they say. Would not recommend using this company for ANYTHING!

Here is the story of how my present crisis has been created by the companies that are supposed to make a profit, yet also are supposed to help the people they serve.

I first saw a site that states: “Obama Urges Refinance Now, $180, 000 Refinance under $999/mo. See Rates – No Credit Check Required, on www.CalculateNew Payment.com. “

One enters the site and am confronted with the headline “US Treasury Bailout of Fannie and Freddy, Refinance with More Confidence, and there is a calculate new payment requirement using CalculateNewPayment.com. “

The person entering the site then fills out a series of forms that contain personal information including our social security numbers.

I was then contacted by the representative Abbey Wrysch, whose title is Executive Mortgage Banker-President's Club, for Quicken Loans. She was my first contact.

(An ironic side note, Quicken Loans Refinance is the second advertiser listed on:
http://www.consumeraffairs.com/finance/quicken_loans_mortgage.html
A site for consumer complaints about Quicken loans!)

After quite a few discussion online and on the telephone, with a sense of emergency Abbey Wrysch pushed for me to go online and electronically sign a couple of forms. Here is an out -take in Abbey Wrysch’s own words: “I can't provide a good faith estimate until I accept your application. Once I receive your application I will have an approval including a full set of loan documents within an hour. Let me know when you are ready...” In this way I could lock in the lowest interest on record. I should have known that signing papers before on receives a good faith estimate is a red light! Only this is new to me and I was, and am, desperate.

Not knowing anything about how refinancing worked I followed her instructions thinking that she was representing me. She led me to the page and guided me to the place where to click to electronically sign the forms. This was all in a rush so that they could “lock in” a great new rate. I was told that the fees would be no more than about $3500 for ALL fees (in her words: “The closing costs based off of county specifics are $3429.00. This is a high side estimate.”), that I would be able to pay off all my credit card debt (one of the reason for applying), and that I would be given a “cash out” amount of $25, 000. The credit card debt was NOT to be a part of the cash out but in addition to this amount.

After I rushed to sign the paperwork and gave Abbey my credit card information, I mentioned I have no idea if the CITIBANK would honor the card since (like with all my cards) I am maxed out. She then took the number for the $500 deposit and I foolishly signed the papers. During one conversation I reminded her of the reasons that I am trying to establish the loan is in order to pay of credit debt – something in which I still struggle. Then when a real estate friend of mine looked at the papers he said what she promised is not in the Good Faith Agreement that I signed. Abbey Wrysch kept pointing out that I would put in my pocket about $900 a month. My friend said her words and the figures do not add up. He said “I wish I had come to help you before now. This is outrageous since it is $7500 more expensive and there is NO cash out.”

The fact of the matter is I was scammed out of $500 that I could ill afford to pay, and even though they agreed to close the loan and offered no service, they ran a $500 “deposit” through my credit card and took payment. On the Good Faith Estimate I signed, which was not the estimate placed in my file, it was marked that there was ZERO amount required for the deposit. On the document I signed the deposit of $0 was changed to $500 after signing. These are the documents I now have in my file.

Here are the words I used in my correspondence to Abbey Wrysch sent: Sat May 02 01:03:35 2009: “Thank you for waving the deposit.” I do not have a copy of the original set of documents I signed, instead I have a set that has been altered, and without this evidence – what I must do is eat the truth. This message was the one when I set out the discrepancies.

Here is her message to me:

“Bruce,

I have requested your loan be denied out of my system. It's too bad that you don't see the benefit in this loan. You will recoup your loan fees in 8 months time. Most people it takes 36 months to recoup the fees. This loan will save you thousands and thousands of dollars. Good luck to you. I'm sorry you didn't work out.

Abby Wrysch
Executive Mortgage Banker-President's Club
[protected] Ex. 72891
Direct [protected]
Cell [protected]
Fax [protected]
[protected]@quickenloans.com

Sent: Sunday, May 03, 2009 10:37 AM
To: Wrysch, Abby
Cc: Mathews, Bruce R.
Subject: FW: Loan Application”

Yes – she was complicit in “credit fairy” tactics!

This is a predatory lender -

Though Abbey Wrysch knew my fragile financial position, she (or the company she is a part of) took my deposit for $500, and left me worse off than when I first contacted them. I had intended in good faith to honor the commitment, yet they worked in bad faith and did not give me the truth, since the words and paperwork did not match. When I look at the complaints about Quicken Loans, this issue is consistent and persistent in their operation, they seem to be in the business of collecting deposits more than providing service or loans. Read more consumer complaints about Quicken Loans: http://www.consumeraffairs.com/finance/quicken_loans_mortgage.html#ixzz0H6IvjWNP&A. Then check [redacted]s.

This leads to the next problem with CITIBANK, and their CITICARD policies. Citibank has a system that makes its most profits on poor people, like in this situation, where when I tried to stop Quicken from taking my deposit by informing CITIBANK that I do not want them to honor this deposit, they went ahead and did it anyway.

NONE OF THIS IS WHAT PRESIDENT OBAMA HAD IN MIND WHEN HE STARTED HELPING THE AMERICAN PEOPLE DISENGAGE THEMSELVES FROM PREDATORY PRACTICES IN THE FINANCIAL AND MORTGAGE REFINANCE INDUSTRY!

Why is a company like Quicken Loans allowed to defraud the public as they did me? They are in the business to take a deposits and are not good faith lenders as they pretend. I have lost $500 due to their bad faith practices. Here is my letter to them:

According to our conversation and email on April 24th 2009 you led me to believe that my total settlement cost would be about $3500 (actually $3364.45) at closing. In addition to paying all my debt (which is about $62, 000) you also told me there would be an additional $25, 000 for personal use, which is not reflected on the Good Faith Estimate document. You failed to disclose the loan rate prior to your added discount points.

I find your communications very different than your documents. Your Good Faith Estimate does not reflect the $25, 000 for personal use we discussed, but includes an extra $7500 Loan Discount Fee, which you did not tell me in advance. You told me that the loan would give me the additional $25, 000 for personal use. It does not add up. I have signed these documents in error and wish to withdraw immediately all obligations and affiliations with you and/or your company at this time. I believe we can work this out between ourselves without my requesting legal representation.

My directive is that you (and your company) release in writing of all paperwork related to this loan. I have referred you to several of my friends and now I am embarrassed to reveal my findings. One of which is to my boss.

And after this was sent and they stopped the process, they took my money by charging my credit card account - after the fact. Please look at the consumer complaints online about this systemic practice.

This company is a part of the real EVIL EMPIRE!

People need to be protected from fraud.

Quicken Loans was the nicest company around. I was told that our closing costs were less than $3000. So I gave them $500 for an appraisal. Then, they had our appraisal done and it was clearly low balled. They brought in an appraiser from 90 miles outside our city. He had the square footage of our house wrong. He had the year it was built wrong. Therefore the entire appraisal was worthless. Quicken Loans didn't care. My assigned customer service guy started arguing with me about how no one else could ever do what they do at their price. Then he stated that he had locked the loan with FHA and we could not go anywhere else. The problem with this was that this was a lie. I was also working with a local bank and they locked the FHA loan before Quicken did. I got an email confirmation from my back with the FHA information. So Quicken was not only strong arming me with bad data, but they were lying. Once I told Quicken that I wanted my appraisal money back he stated, "I am not going to argue with you, I am canceling your loan." and then he hung up on me. Call me crazy but I think I have a right to know what is going on, not to be strong armed, and not to be lied to. I felt like they were ramming me through their system so that he could get his commission and that was all that he cared about. What a jerk.