Personnel changes, lack of communication, and everything in between. I will never use Homeward Mortgage again. We locked in our rate on a Monday with the loan manager and that was confirmed. Three days later, our interest rate was completely different on the closing disclosure. I sent three emails to make the team aware over about five days and received no response until finally, I received an automatic "out of office" reply from the loan manager. Basically, he ignored my emails and then went on vacation a week later. I they try to sell you into using Homeward Mortgage because of the fee cut but do yourself a favor and work with your bank, credit union, or anyone other than Homeward Mortgage.