Heartland Home Finance is supposed to be a reputable company. I am a former employee and will tell you exactly what's going on.
For 1, they charge extreme fees and tell you they are required. They do not appreciate your business. If you have so-so credit it may take you months to close because they set your paperwork to the side and take care of all conforming (good credit) first. Most of the time they will be unavailable to you by phone or tell receptionist they are away from thier desk. All calls are screened.
The regional manager tells all of the loan officers to charge high Origination fees to the client. Even though they are a lender, they sells all the loans immediatly to investers. There goal is to get rich from fees. BEWARE! Best bet is to purchase or refinace through a big bank who will keep your loan and treat you like your important... Also their fees tend to be alot lower.
The Privacy Act was violated. After I was So - Called Terminated, the Branch office I worked for Continued to give me clients personal and private information. I am currently seeking a law suit against this company due to them with holding my commission. That's right! They didn't even want to pay me for the work that was already completed! Never Work For This Company! You may see them on the 11'oclock news.
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