I am currently attempting to close a loan with WJ Bradley. Thier website promotes trust but do not make this mistake. Be very careful. They had me write the seller concessions for closing cost out of my contract because a USDA loan program they have allows 100% financing of closing costs. Then after I paid for numerous items and put down a deposit on the contract they told me that it was contingent on the appraisal and I couldn't get out of it if the appraisal didn't come in to cover the costs.
Which is exactly the reason you put the concessions in their in the first place. They used fear and intimidation by threatening with the loss of appraisal fee, deposit, and inspection fee after the appraisal did not come in high enough to cover the closing costs. They suggested I borrow money from family or take a payday type loan to cover these cost. I was told that if I didn't have enough money to buy a house I was an idiot for showing up in their office. Apparently it is not reasonable to expect this companys representative to assist you in making an informed decision.
They have since conceded some of the costs of the loan so that I can have enough cash to close the loan. But, they are now taking a vengeful approach and delaying the closing date in every way possible and I will be homeless because they promised a closing date within 30 days and now will not produce. They state they have no control over the process and cannot ever give a close date 30 days in advance. What do people who are renting do? I will soon be homeless due to the unethical, misleading, and dishonest practices of this companys representative.
Believe it or not they told me to stay in the apartment because the landlord cannot process an eviction very quickly. These people don't care about ethics at all. PS I have contacted both the corp. Office and local management with no reply from corporate and management has also offered very minimal assistance in the form of allowances only. No customer service what so ever with vindictive employees and management out to get consumers and intimidate them into accepting these deceptive procedures. Be careful wj bradley is trying to survive this down market at all costs especially yours.
0 comments