Reviews

Review Details

• Review fromMichael H

  Date: 06/03/2025

  1 star
  From beginning to end working with EMM loans ********* location was a nightmare. I never spoke with my loan specialist (*****) until she called to yell at me for leaving her a rude message asking her to send paperwork. We had to reschedule movers costing us additional money because we had to move the closing date last minute due to ***** not getting the bridge loan company all the necessary paperwork. When I did address any concerns with ***** I was constantly told VIA text/email that she didnt know the different products or said it was somebody elses job not hers. Completely unhelpful! This is my second home purchase and I honestly have never felt with anybody like ***** in the past. When I try to call I dont get an answer. When she told me she would call me back she never followed through. I am thankful to **** for coming in at the end to help resolve some of our issues and to ******* for answering questions along the way! I really wish my experience was much better, but unfortunately it wasnt. To make matters worse. When I tried to call ***** on one of the last days of our process she said she couldnt talk because she was on the phone with another client. Thats great for the other client but unfortunately we never got the courtesy of a phone conversation along the way.

• Review fromCierra D

  Date: 05/25/2025

  1 star
  In 08/2024 I was completing a consolidate debt loan and refinancing my mortgage loan with ******* ******. I went through the whole process of turning all my documentation in. I paid my appraisal fee and got my appraisal approval 09/30/2024. 10/2024 worker told me that I have a Lein on my home and a partial payment with current mortgage company. Worker said in order for us to move forward, we would have to wait until it has been 12 months from loan modification date, which would have been 01/2025. Worker said he would call me back 01/2025 to keep me updated. 02/2025 I called Corporate due to worker never calling me back when he said he would and requested a refund because the worker should have caught the Lein when he first looked into my property. Corporate sent me to Mr. ****** line, He made excuses stating why he didn't call me back. I asked for a refund because this should have been caught early on and I should have not been charged for an appraisal fee due to Lein on property. Worker stated they were not stealing money from me and that we can try to refinance the mortgage for a lower rate, instead of doing the consolidate debt loan. He said he would call me back in February 2025 to look into this. February came and I did not receive a call back. At the end of February, I called the worker and left a voicemail to call me back again. The worker has not made any attempt to call back, send email or letter in the mail. The worker was unprofessional to leave me hanging and not communicate the status of my case. I want a refund of $198 for the appraisal fee that should have not been charged, if the Lein was detected earlier and the loan was completed correctly.

  EMM Loans LLC

  Date: 05/27/2025

  Thank you for your review. We take all customer feedback seriously and have thoroughly reviewed your specific situation.After careful examination, we found that your initial loan application was processed with the utmost care. Please note that we are not made aware of any liens or additional obligations unless they are disclosed in the application or identified during the loan processing. In your case, the undisclosed lien came to our attention only after receiving the title policy, which included a lien search. Once we were notified, we promptly reached out to you. Unfortunately, due to the circumstances and your qualifications at that time, we were unable to proceed with your loan.We understand you were expecting further communication from one of our team members. While some time has passed, and various factors may have contributed to the delay, we recognize this as an opportunity to improve our communication ********** part of our commitment to customer satisfaction, we are issuing a refund of the $198.00 appraisal fee you paid with your initial application. A check will be mailed to the address we have on file.We appreciate your understanding and the opportunity to serve you better in the future.

  EMM Loans LLC

  Date: 06/23/2025

  Dear Ms. ************ you for taking the time to share your experience. We sincerely apologize for the frustration and inconvenience caused throughout your loan process.We understand your concerns regarding the timeline, communication delays, and the unexpected lien that impacted your refinance. While we strive to identify all potential issues early in the process, certain itemssuch as property lienscan only be confirmed during the formal title review, which is a required step in all mortgage transactions. Unfortunately, these findings are sometimes not visible until the title work is completed, which occurred after your appraisal had already been ordered.Regarding your refund request, we want to confirm that a check in the amount of $198 for the appraisal fee was issued and mailed to you on May 27, 2025. We hope this helps bring some resolution to your concerns.We regret that the communication during your experience fell short of your expectations, and we take this feedback seriously as we continue to improve our service. Should you have any further questions or need assistance, please feel free to contact us directly.

• Review fromRobert M

  Date: 05/16/2025

  1 star
  On 5/16/25, I attempted to contact my Mortgage Servicer EMM Loans LLC to inquire about a change to my escrow account; it was virtually impossible to navigate their phone system and talk to an human representative. I was actually hung up on multiple times and continually had to call back. You can bet that other EMM Loans customers are experiencing this same issue. This is obviously due to cost cutting automation efforts by the company; they are allocating insufficient resources to customer service. To my mind, a ********************** servicer has a contractual obligation to ****** effective communication with their customers, and failure to do so is tantamount to contractual breach.

• Review fromYaneisy N

  Date: 11/21/2024

  1 star
  This lender is unprofessional, unethical, dishonest and unreliable.Their lack of action and dishonesty cost me $5k and my dream home.Find any other lender!

  EMM Loans LLC

  Date: 12/09/2024

  Hi, weve reviewed and escalated with EMM Loans management when received. Both **** - Senior Vice President and **** - Director of Sales and Production reviewed the complaint, discussed with the branch personnel and reached out to resolve with the applicant *******. The issue of the buy down cost for the 5.5% rate was addressed and EMM Loans agreed to offer 5.5% with no buydown cost. In addition the other aspects of the transaction such as the closing date, occupancy and remaining documents were also addressed. The applicant chose not to proceed at that time of the call on 12/5/2024. Later in the day of 12/5/2024 EMM Loans received an email that the applicant no longer wished to proceed. EMM Loans will continue to offer the 5.5% rate as well as assist with any communication needed with realtors/builders involved in the loan application in order to mitigate any costs or expenses incurred. EMM Loans remains available to assist the applicant if they choose to proceed with senior management taking over the transaction going forward.

• Review fromGlenn D

  Date: 11/15/2024

  1 star
  I needed emm loans help to get out from my previous mortgage. I have cancer and trying to get things in order for my kids for when I pass. I was working with ****** at *** from day one. Everything was going fine for the entire process and ****** keep telling me we will close in 2 weeks. Im on disability and get payed the 20th of every month mind you. Again ****** tells me everything is great were closing in 2 weeks this is in early August so there for im not making my August payment because they will be paid off. Mind you I was also supposed to get 10k out on my refinance with one week left in August ****** calls and says he can't do it unless I dont get cash out! But he didn't change the amount of the refinance at this point I've spent my August payment on a will for my kids and September is due in a week witch I would have 2 mortgage payments to make if I didn't agree! He had me backed in a corner leaving me no choice but to sign or im 2 months behind! Again he didn't change the refinance amount so my closing was over 15k I received 0 money he made out like a bandit knowing I had no choice and would have to do this again im dieing of cancer and he knew this !!! And to Top it off ********* closing service that they deal with screwed up the payoff amount the caused me to be 30 days late destroying my credit!! Then they said they would fix the area if I didn't sign a document saying I owe them money!! Both totally screwed me over put me in debt and ruined my credit

  EMM Loans LLC

  Date: 12/02/2024

  Dear *****,We understand the gravity of your situation. Our hearts go out to you and your family during this challenging time. We are committed to supporting our clients with care and professionalism. We are confident the loan process was completed on time and ahead of schedule. The funds were provided to the title company on the scheduled day of funding. If there were discrepancies or concerns regarding the payoff or subsequent processes, we recommend contacting the title company directly as they would be best equipped to assist further.

• Review fromJoe M

  Date: 06/27/2024

  1 star
  Cannot get any assistance with a question related to my account. Have placed numerous on-line inquiries to be told I need to call. When I call, I have scheduled a follow up call per an option on the **** No response. Even tried to schedule a call back via the on-line option. Was supposed to get a call between 1:30 and 2:00 today 6/27. Even though it's only 2:09, I have no faith that I will receive a call back.Been ghosted to many times to have any faith.I am not sure who runs this company, but they should seriously look at their customer support model. It's bad........

  EMM Loans LLC

  Date: 07/09/2024

  Upon receiving the Comment form the customer review - we have attempted on several days and times to reach ********************** in order to address his concerns. As of today (7.9.2024) we have been unable to make contact. *************************** is available at ************ or *************************** at ********************* to discuss and resolve. We remain committed to a high level of customer service and will continue effort to reach ********************** on this topic.

  EMM Loans LLC

  Date: 07/23/2024

  EMM and ServBank managers have continued to make numerous attempts to reach ********************** over the past 2 weeks with no success. If a return call is made it will be routed to a manager that is familiar with the review comments above. We remain committed to resolve any customer concerns or issues.

• Review fromMary C

  Date: 10/06/2023

  1 star
  So happy I read the *** REVIEW! So basically this company is known for not being transparent. They get you the loan. At the low interest rates. Then they sell your loan. The new owners of your mortgage loan will be a much high interest rate. Possibly, now a rate you cant afford. So a Payment of $700 one month could possibly be $1400 in months after your loan is sold. BEWARE

  EMM Loans LLC

  Date: 03/07/2024

  Thank you for the review. I assure you we take each review with the most serious manner. We have reviewed our notes and do not see any mortgage in the name listed from the review. If you would please call us to discuss this matter we would be happy to further assist you. our number is ************.In reference to the indication that your loan closed at a low rate and then when the servicing was transferred it was adjusted to a higher rate is not a possibility. We would be happy to explain this as well if you decide to call us. There is only one type of loan where your actual interest rate could change and that is called an adjustable rate mortgage. Most cases when your payments adjust on a fixed rate loan it is due to your ********************* premium being paid with your mortgage has increased or your property taxes being paid with the mortgage has increased. We would be happy to discuss this manner with you. We can not reach out to you as we can not identify a transaction completed by EMM Loans LLC with the name used on the review placed. Our number is ************

• Review fromLisa K

  Date: 05/25/2023

  2 stars
  Lots of confusion with the whole process of getting our refinance. ****** was a good rep, but we felt jerked around with this company. Saying one thing then coming back and saying something else. Now after the loan was closed as a FHA, they need to come back out a month later and re appraise the house. The loan has already been sold to ************** even before our first payment. I believe they are a company that just makes money by selling the mortgage immediately. The whole process with EMM was chaotic. Beware!

  EMM Loans LLC

  Date: 03/07/2024

  Thank you for the review **********************. We take all reviews in the most serious manner and try to resolve those as best we can. We were able to review your mortgage loan which closed with us in April of 2024. Hopefully able to explain the reason for the updated appraisal being required was due to the specific loan qualifications being changed through the process of the loan from an FHA loan, then to a conventional loan and then back to an FHA loan. The appraisal was required to be updated back to an FHA appraisal. I hope this better explains the reasoning for the timing of this. Please let us know if you would like to further discuss and resolve this situation. ************

• Review fromPeggy M

  Date: 05/10/2023

  1 star
  EMM LOANS IS THE WORST. I have never been late on any payment my property taxes have been up for sale every year they have had my mortgage. They dont pay your taxes as required. This is year 3. They had a different serving company year one. Emm takes no responsibility for their servicing provider. I have been fighting them for a year I. The mean time my mortgage has increased over $1800 monthly.Don't trust this company.

  EMM Loans LLC

  Date: 03/07/2024

  Thank you for the review *****************. We take each one as a serious manner and want to address them as best possible. We have reviewed your file which appears you have closed 2 different mortgages with EMM Loans, LLC through one of our broker partners. We can not identify which property you are referencing but would still like to resolve this manner for you. Please call us at ************.

• Review fromJacob R

  Date: 02/14/2023

  5 stars
  My name is *******************. I am currently applying for a mortgage through emm. I read some bad reviews and people need to understand not every situation is intentional and not every situation is their fault just because they are a business. A very big company with many people working their will make mistakes from time to time I've seen them resolve most but in my experience they have been more than helpful making my first home loan as smooth as possible. I hope to do buisness with them and if for some reason we don't my review stands. Thank emm for all your help.

  EMM Loans LLC

  Date: 03/07/2024

  Thank you for the review. We appreciate you taking the time to recognize real life and real time situations. We strive to be better every day.