I had locked a very nice interested rate thru another Mortgage Company, when a crook from SHORE MARTGAGE (located at 770 S Adams Birmingham, MI. 48009) named Joseph D. Sheeran/Senior Loan Officer/ NMLS # 171399 (Toll free 800-760-3128 x5333 Cell 248-980-1354 Fax 248-594-6151) called me and promised that if I close the mortgage with him, I would have better interest rate and lower cost. Everything that I want to hear, right! No!! It was the worst mistake that I ever made. I never should be listened this crook. I applied for a remortgage, I appraised the house, and I transferred my home insurance from my current bank to them. Then, the nightmare started. Joe Sheeran started to postpone the closing date, stop to answer my phone calls, and then I find out that he NEVER LOCKED my interest rate. I could not believe that someone in this business would do some bad job like that! This is basic for a loan officer. Imagine for Mr. Senior Loan Officer/ NMLS # 171399. The SOB was playing with me. Finally, I succeed hold his boss (another crook) named Jillian Mantua (Direct Lending Manager NMLS# 28193), and I told her what happened and she ask me for proofs. So, I sent her over 50 emails that I exchanged with that crook, where he stated that my loan was locked and GFE (good faith estimate). She said, now you will be dealing direct with me, I would give you an even better deal. So much for that BS!! A week later she offered me an interested rate that was two points% above the marked average rate. I told her to shovel it in that place. Then, I told her that to give me the agreed upon interest rate that was in GFE or my money back, which I had spent to appraise my house. Took me two months and 5 phone calls per day, but I got it. So, I strongly recommend you to not do business with Shore Mortgage especially Joe Sheeran. They are unethical crooks that want take advantage of people.
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