Kristin Crace

Sales associate, Shannon Matthews is the best. Loan officers are awesome and respectfully. Building superintendents seems lacking interpersonal skills, Callous and laxed.

Loan coordinator was helpful but the person we spoke from initially to get the loan clearly didn’t enjoy her job and wasn’t great to speak to or work with.

Dry fast feedback and great communication from the entire team. Extremely pleased and would highly recommend

For the most part, HomeAmerican was fine. However, we were pushed at the end to jump through hoops to get things done and signed by December 31st. It truly felt like somebody somewhere was going to get a bonus if things were done in 2020. However, at the last minute, the mortgage funds from the lender were sent to the wrong title company in completely the wrong state. That means we busted our butts to get things done for them.... only to have them screw up at the last minute. It all got straightened out and we were able to close... on January 4th.

We would not recommend working with Home Americans and their loan officers. They were extremely hard to communicate with, they made multiple errors on paperwork for loan disclosures, they made zero attempts to educate us as new home buyers throughout the process. Because they dragged their feet in locking our rate they ended up pulling hard credit checks a total of 4 times which negatively impacted our credit and was honestly extremely excessive and unnecessary. All in all it was because of Home American that we missed our closing date and not once did anyone offer an apology, take responsibility or was accountable in anyway. Buying a home is already stressful enough, it was absolutely not worth the incentives offered to us and if we can go back we would use a mortgage broker referred to us by people we actually know.

The rates are high compared to other lenders, and they are slow to process the loan documents

Beyond all the ancillary stuff, their rates were not competitive. We had the worst experience with Home American. A loan officer was assigned to our account. We sent in documents as requested and did it in a very timely manner. From that point, the loan officer did not contact us, respond to us, do anything for us at all. Originally, when I sent the documents, she sent me an email with sensitive information that was supposed to be for another client. Her answer to this mistake, "sorry, please disregard." For about 3 months we did not hear a word from the loan officer. I tried contacting, without success. I was so fed up I contacted the corporate office. I spoke to upper management and they transferred our account to another officer, Moira. Moira was actually incredibly helpful and timely. Due to her assistance, I wanted to give Home American a chance to find out what they can do regarding mortgage rates. She really tried her best to find a competitive rate, but just couldn't. Overall, I was sorely disappointed and would not recommend anyone go with Home American. Yes, going with them may include an incentive when purchasing a new build, but in the end, you can find a better mortgage loan company that will save you a lot more.

I don't believe I've worked with Mr. Tolas yet

When we finally got in touch with him he was very approachable, helpful, and personable. But he is very difficult to reach and get timely responses from.