Ryan Simpkins Is A Lying Sack Of Manure.
Recently I contacted my current lender to determine whether or not they participate in the HARP program. Unfortunately they do not. Even more unfortunate is that they have contracted with Prospect Mortgage to handle all of their refinancing.
On my initial contact with Prospect I was not impressed at all with the person who answered the phone, plus the fact that they refuse to even provide a quote on the interest rate available & the closing costs, unless you provide them with several pieces of personal & financial info along with your SS#. I refused to do so, yet they somehow still managed to pull my credit report without my permission. They then called me several times a day, daily for well over a week, until I told them to stop harassing me.
After a couple of weeks passed, I contacted my lender once more to see what other options were available. Again I was referred to Prospect Mortgage. When I shared my previous experience with Prospect, I was assured that it was a fluke & that I should try again. Against my better judgment I contacted Prospect & reached a Ryan Simpkins. This time I was surprised with a more positive & helpful reply... At least at first.
Ryan listened to all my information & assured me that my refi would be fairly easy to accomplish due to him "Being The Best". That's when I should have hung up & run away. At first all seemed to proceed rather smoothly until 12/3. On that day I received an e-mail from a woman in the office by the name of Marie Salamanco, whom I had never heard from before.
This e-mail demanded explanations for two "Large Deposits" in my checking account. It also demanded explanations on two previous addresses. One address being over 6 years old & the other being over 10 years ago. The kicker is that this e-mail, that was sent after 3PM PST on 12/3, informed me that I must provide this information prior to the end of the business day on 12/3/12! WTH?
These two large deposits were much less than $3K each & represented the normal monthly pay deposits. I replied to her e-mail with an explanation to her questions. I also explained the situation to Ryan Simpkins. Once again I thought all was well...
Until just the other day, when I received another e-mail from this same woman Marie, demanding a written explanation on why there were two inquiries on my credit report. Plus she wanted a written explanation of the same two "Large Deposits" again, along with another small deposit that was made. This time she also demands that I send her copies of the checks & the deposit slips that have already been given to & processed by the bank. How in the hell am I supposed to provide that?
When I call to complain about these repeated last minute requests that keep occurring due to this womans involvement... I'm treated like Im the one who is in the wrong. Then Ryan Simpkins threatens to cancel my loan. At that point I no longer care what the hell he does & tell him so. To the best of my knowledge my loan has been cancelled.
Later the following day I receive an e-mail from Ryan Simpkins asking me if I planned to continue moving forward with the loan. At this point, I'm incredulous & can't believe this gutless clown, who had told me just the evening prior that he had cancelled my loan. I feel like I'm dealing with some spoiled punk kid who enjoys playing god with other peoples time & money.
If you end up reading this Ryan, you can go pound sand! You are nothing but a dirt-bag, slime-ball, punk!
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