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Andrea aus Fredericksburg, VAVerified Appraiserverified buyer
Original review: November 1, 2022
I've been to ClearPath Lending twice. They refinanced my house. So this time I took out money to pay off the debt. I happened to get back in touch with Steven because, like Robert, he always kept in touch. It made it a little easier to reach out to them and say, "Hey, this is what I'm trying to do." I knew what I needed. They also let me know what I needed, but having worked with them before, I was already one step ahead of them and sent everything before we even started. So it was a quick ending. I didn't have any problems. Steven was very communicative and kept me informed about the process and where I am and what was going on. Robert did the same. Robert was the one who started doing all the final work.
Everything was perfect. Even when it was time to distribute the checks to the creditors, everything was resolved. The money went into the account so that I could continue to pay the other creditors. The only thing is, I still had to go back and pay some creditors myself while they wrote the big checks to other people. I had to go in and still say, "Okay, I have to pay for this first and I have to pay for that first." I just would have preferred to write a check and not have to worry about it. If not, I like to skip two payments with ClearPath. It allowed me to pay off even more debt because what I would have paid on our mortgage I could put on other credit cards.
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Paul of Vermilion, OHVerified Appraiserverified buyer
Original Review: Aug 12, 2022
Henry, the ClearPath representative, walked me through the entire process all the way to the end. He was excellent. He was very patient and informative and broke it down in many ways. He gave me a few different options and gave me his opinion. It was a little more money at first, but it would save me money in the long run. The application process was easy. Henry said he would email me everything I needed. When I have things together I should send it to him and we'll move on to the next step. We did everything in small steps. So it didn't feel like you had to climb that big mountain. He was approachable. If I texted or did anything he would call me back. Or, if he didn't answer the phone, he usually got back to me pretty quickly.
The closing process was smooth and it was a few dollars cheaper when the lady showed up, which was better. Henry followed suit and said he wanted to get in touch with final numbers. His numbers matched and he explained why. He wanted to make sure I had the final numbers and I said I crossed it off the paperwork and we discussed it. One of the first questions I asked was how long the process would take and I was given the timeline. It was a little shorter than the guide said it would take. The experiences I had with the people who worked with me were the best. They delivered what they promised. You cannot ask for more in today's world.
Resposta do ClearPath Lending
Thank you for sharing your recent experience working with Henry. We are happy to hear that you saved money in the process. We look forward to working with you again soon!
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Troja von Cameron, NCVerified Appraiserverified buyer
Original review: July 9, 2022
I did a payment refinance using ClearPath. I went with them because they were the most accommodating with the most information. The application process was pretty smooth and straightforward. I had previously refinanced so I already knew how to find all my digital documents. That part was loose. The only thing that was a little iffy was that at the end of the closing process, underwriters kept coming back and they needed something else. I'll turn around and bring it back to you the same day. I wouldn't hear from you for a day or two, then they're gone, they need something else.
The other thing was we had to do a second termite inspection due to a miscommunication in some outbuildings I had. Did the appraiser include them in the home value or not. They are not habitable buildings as they are just hay sheds. But for the insurance to work, the exterminators had to go back and send termites to inspect these buildings. It was just those two or three things in the last week before the shutdown.
At some point we closed. The only issue I had was that my money was deposited immediately since they closed but they were supposed to write me a check for my car loan to pay that off. For some reason this check was sent to my real estate agent instead of me. I received a cancellation notice for non-payment from my insurance company yesterday because the insurance company decided to send it by mail and without notarization. The insurance company still hasn't received the check. My representative at ClearPath said, "It says the check came in on the 29th." I spoke to my insurance company and they have no record of receiving a check, let alone the check number. How did ClearPath "get it"? There were some minor bureaucratic issues with dotting the i's and crossing the t's.
Most of the time I called my rep, Cameron, and he was great. He answered about every time I called. Otherwise, he usually got back to me within an hour. The few times he didn't answer were later in the day. He contacted me the next morning. If it was before the afternoon, he always answered me on the same day. If I asked him a question and he didn't know, he would tell me he didn't know and answer me. He wouldn't try to tell me what I wanted to hear or insist and play like Doom and Gloom. That was another reason I chose ClearPath. There was another person named Martin, and he was Senior Processor above Cameron. I only had two or three conversations with him. It was short and to the point. He's just not the most talkative guy on the planet.
With the prices and terms I got from ClearPath, I'm not crazy about them. But prices have gone up for everyone now. Since I'm a veteran and have my VA loan, I can at least do a six month streamlined refinance when interest rates drop. I'm not too worried about that, but seeing my rate double was a little disheartening. I was at 2.3 and now I'm at 5.65.
Resposta do ClearPath Lending
Thanks for sharing your experience with us. We are happy to hear that you had another good experience as a Loyaltly member. We are looking forward to further cooperation with you!
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Paul de Pahrump, NVVerified Appraiserverified buyer
Original review: June 9, 2022
The first two times I used ClearPath, the experience was good. The last time was a little difficult. The first time was just a straight refi and the last time was a serve refi which seems to be completely different. When I asked about it, it was explained to me. When it came to weighing the material for the payment part, things dragged very slowly. I'm sure they went as fast as they could, but the payout was 41,000 and a lot was paid. I only get a statement from these clowns once a year, but they apply the loan interest annually, not monthly. ClearPath received the bill. So instead of transferring the money to people, they wrote checks to people and mailed them to me. Why should you send them to me? I had to turn around and send them to the people.
I have to call them and check it out. When they received the check, annual interest was calculated. Now I still owe them three grand. So I'm a little bummed about it. As for my loan officer, I spoke with him regularly. ClearPath always had my back and they worked things out as quickly as possible. I didn't need to go through an inspection on the first two refills, but since it was a withdrawal refill, I had to do an inspection and there was a problem with the painting. I had to have the place painted. Last year there was a storm that destroyed my driveway, porch and roof and destroyed three-quarters of my fence. All this work has been completed, except for the painting. The place had to be painted and that took another month. So it dragged on. Finally it was checked again. They called me back and said, "Okay, you can go."
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Stephan von Wartburg, TennesseeVerified Appraiserverified buyer
Original review: April 9, 2022
I used ClearPath a few years ago. Victoria was one of the reps I worked with this time, but Jim and I met seven years ago when he took out my first loan. I was a little skeptical about what he was doing because I had a tight loan. He told me, “You have to try to look at this loan from ARM.” We discussed some options and he sent me some papers. I had a lawyer friend who looked at this and said, "You'd be a fool not to do this because they're going to cut your interest rate from 3.75% to 2.37%." More importantly, ClearPath told me it could only increase it by a maximum of one point from my actual rate of 2.37.
I was worried about the housing market crashing a few years ago in 2012 when they started doing all these ARM loans and the interest rate on all of them went up to 8%, 9%. Jim said, "We can't do that to you, not with that kind of loan." Fortunately for me, this area was hit hard in the year my loan for this ARM factor was due. Instead of my interest rate going up, it went down the next year. I went from 2.37 to 2.1 in sixth grade. That's good for saving money, but it's bad when it's time to refinance because no mortgage company is going to touch you. They said, "We can't touch you because you're already too deep." I told them I don't care about the interest rate. I know interest rates are waiting to go back up once the pandemic is over and I don't want to get caught in a 5%, 6% interest rate.
I spoke to this other company and lost Jim's number. One day Jim called me and we started talking. But the thing is, I had a problem. I was involved in a small carpentry accident and cut the tip of my thumb. I ended up in the hospital about a year ago. They ended up sending me a medical bill within two weeks and telling me I owed them $1500. This went on like this for about six months and each time they sent me an invoice it got smaller and smaller. The last bill I got a year and a half later was $118, which I had to pay. I called TRICARE and they said they would do the rest.
I thought they took care of it but Jim said there was nothing he could do until it was clear. I had to wait a few months for my credit to be recovered. I waited until after Christmas. During that time, Jim called me and I told him what was going on. He helped me work it out and my credit score immediately went up 6.7. We talked about what we wanted to do. The only thing I didn't like was when they made my withdrawals. They sent me the overnight express checks and I had to mail them. But ClearPath was great. They did everything they said and it happened in the time they said it would. They kept me well informed. There were no surprises. It was perfect and I have never had such perfect deals. This time it was smoother than before.
Resposta do ClearPath Lending
Thank you for sharing your experience working with Victoria and Jim. We are so happy to hear that you had another great experience as a Loyalty member and received a great reward! We welcome you to the ClearPath family and look forward to continuing to work with you!
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Robert de Phoenix, AZVerified Appraiserverified buyer
Original review: February 19, 2023
We got a letter and we got the timing right. We checked and saw what the status was. I took out a VA loan because I'm a senior and we bought this house. We went online and did it like this. The process seemed pretty easy. The only complaint is that ClearPath sold the contract to another company the first time around and it caused a bit of chaos. This time my wife handled most of the paperwork. We've been using ClearPath for a while now. The only thing is that they still send us at least two or three letters a day. They want us to refinance. Other than that, ClearPath was okay.
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Robert de Tuscon, AZVerified Appraiserverified buyer
Original review: February 18, 2023
This is my fifth upgrade with ClearPath, and I always work with a new team. For the application I had to send my income data and we were able to do it with a photo and an SMS. You really made it easy. Then some more documents were sent and we signed up with DocuSign. It was all painless and I did it all in my pajamas. The rep I always had an answer for me no matter what my problem was which wasn't many. He had all the answers right there and he could decide or not. I requested a personal assessment from a CPA, not a computer assessment, and he did it, paid for it, and sent it here. He was a really nice guy. I had about 42,000 shares and we could capitalize on that so I could pay off all the projects I had to finance to get the house where I wanted it and a few other things. I'm so happy.
I couldn't wait to go back and refinance with ClearPath. If you're buying a home anywhere in the US in the local community, you have to use your people and financing, that's the best way to survive. And in about a year you can refinance. ClearPath is clearly the leader here and I'm 110% satisfied with them.
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Ronnie from Keithville, LAVerified Appraiserverified buyer
Original review: February 18, 2023
Everything went really well from the moment the guide and I started talking. It was a step-by-step process from initial conversation to completion. The professionalism and customer service was great.
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Clarence em Wilmington, NCVerified Appraiserverified buyer
Original review: February 18, 2023
I have had excellent service through ClearPath and have never had any issues with it.
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Saginaw Valley, MIVerified Appraiserverified buyer
Original review: February 12, 2023
I took out the VA loan and it was a smooth and pretty smooth transaction. My loan officer was cool too. He knew what I was working on. He was great as an officer. Clearpath picked up the phone for me whenever I called. They had answers to every question I had.
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