Quicken Loans a great scam, Internet

And send to this government agency:

http://www.ftc.gov/reports/index.htm

Quicken will talk about how much they train their employees.  However, none of this actually has anything to do with mortgages.  It is all about how to respond to a customer when something is said against the plan of getting the deposit right away.  They call them ARPs (acknowledge, respond, pivot) and ARCs (acknowledge, respond, close).  An example of an ARP: Client "What is the rate today" Quickbot: "Great question Mr Client, we will get to that in just a moment.  How long have you been living in your home".  This is standard sales 101 stuff.  An example of an ARC: Client "I need to speak to my wife" Quickbot: "Of course we want your wife to be involved, I don't want anyone sleeping on the couch tonight.  Fortunately, we only need one of you to sign the initial paperwork.  Both of you will need to be present at the closing.  So for the deposit, would you like to use a credit card or debit card?"...I wouldn't be surprised if most of the people on this forum heard that word for word when they first spoke to Quicken.  They actually have contests at the office to see who can ARC and ARP the best and there is a trophy floating around for the winner. 

The "Mortgage Bankers" (they are actually brokers) are so ill informed on the mortgage business that Quicken will actually pay them a bonus if they can pass the license exam on the first try.  Many of them were still failing the tests after 3 or more attempts.  Not sure if that is who I want working on my mortgage.

Get ready to receive a canned response from "Kelly" at Quicken Loans. Kelly is a code name for the damage control department. If someone mentions "Kelly," they know they are dealing with someone they ripped off. Or, at least tried to rip off. This is a department of several people (not one as the name suggests) that try to make it sound like Quicken Loans does not rip people off. Trust me, they are out to rip off anyone they can. This includes employees and customers. This company is built on lies. They promise the employees they will make tons of money; most never do. They promise customers they will save them tons of money; most never do. Stay clear of this company. They will take advantage of anyone anyway they can. Just so everyone that reads this knows, they train the employees to get the deposit no matter what. When you say "I need to talk to my wife/husband", they have canned responses hanging by their phone on how to dance around this and get your deposit. They don't care if you tick off your spouse. They want your deposit so they have leverage over you to close a loan that doesn't make sense. 95% of what they sales consultant promises on the phone is not true. They make promises they will not keep. The paperwork you receive will not match the verbal promises. STAY CLEAR OF QUICKEN LOANS!