REVIEW UPDATE April 6, 2018 : E Mortgage Management remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. E Mortgage Management is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, E Mortgage Management has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.

Over time and since becoming a member, E Mortgage Management has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever E Mortgage Management remains committed to improving customer satisfaction.

Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com

Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

Ripoff Report Verified™ REVIEW

EDitor's UPDATE: Positive rating and recognition has been given to E Mortgage Management for its full commitment to quality customer service.

Ripoff Report's discussions with E Mortgage Management have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. E Mortgage Management listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

E Mortgage Management's principal, Mr. Crichton, has informed us that his personal philosophy is that his clients success are the heart of the business. As a successful businessman, Mr. Crichton feels it is critical to listen to his clients and respond properly. By always putting his customers first, Mr. Crichton hopes to maintain EMM as a successful enterprise both now and for many years to come. Another top executive, told us that Mr. Crichton’s personal business philosophy is based on the premise that "strives to add value in service, understanding that a successful business model is based on value-added services, and client care". , "We are one of the top residential home loan mortgage providers in over 30 states. With us, you'll always receive a complex and customized approach to home loan options that comes from a team of home loan experts".



One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "E Mortgage Management truly communicate all aspects of the service in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments, and deliver on their promises."

The information provided in this report below is based on comments made by Angel Bell during an onsite inspection held by a third party verification company with no biases toward E Mortgage Management.

E Mortgage Management LLC is an independent mortgage banker that services customers nationwide. Angel Bell sated the following about the vision of her company, "our vision is to be able to serve the American people with affordable home ownership through offering a different variety of mortgage services."

Leads for E Mortgage Management LLC are acquired through call centers, but primarily through referrals. Once a potential customer expresses interest in their services they will be directed to a licensed loan originator who will collect information including: what type of property their interested in, their budget, and they area they wish to live in. From there documents are collected and the loan originator can provide the client with mortgage options.

CUSTOMER CARE & COMPLAINT RESOLUTION E MORTGAGE MANAGEMENT

During the onsite interview, Ms. Bell was asked to describe a situation where a client was not satisfied with the level of service they received. Ms. Bell expressed that they rarely receive complaints in reference to their services, but clients can become frustrated when they run into issues approving a loan or not having a high enough credit score to obtain a loan. There is various documentation involved with these services, and in order to ensure clients have the best experience E Mortgage Management LLC will advise clients the proper actions to take in order to obtain the loans they desire.



Ms. Bell was asked to address the comments posted on Ripoff Report's website. Ms. Bell explained that the comments were not directed at the sales or services process of E Mortgage Management LLC, but against a former employee. When the comment was initially posted, "we immediately responded on Ripoff Report, and we addressed the situation." E Mortgage Management LLC investigated the complaints, and decided for the benefit of both the consumer and their business to terminate their professional relationship with the customer in question. Their dedication to providing the highest level of customer service is evident through this action as well as their accreditations through the Mortgage Banker Association, and the Better Business Bureau.

E Mortgage Management LLC is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Ms. Bell further stated, "to us it's important that we are partnered with the Customer Advocacy Program that Ripoff Report offers...we want the customer to know that we are a trusted organization, and that we are putting our best foot forward."



E MORTGAGE MANAGEMENT STATEMENTS FROM PRESIDENT – KEVIN CRICHTON

" We strongly believe in the importance of educating the consumer while helping them successfully navigate the home-buying process. We suggest every buyer do research prior to any transaction and we point them to the resources we believe can provide the necessary learning tools about housing affordability and low down payment program opportunities available in the counties they are looking to purchase in.

E Mortgage Management's team have expressed that they feel very confident doing their job. E Mortgage Management takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "E Mortgage Management takes employee satisfaction seriously" Ripoff Report was pleased to learn that E Mortgage Management's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.



STATED IMPROVEMENTS FROM E MORTGAGE MANAGEMENT

E Mortgage Management recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, E Mortgage Management has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with Kevin Crichton, Ripoff Report is convinced that E Mortgage Management is committed to quality delivery of services resulting in total client satisfaction.

How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that E Mortgage Management meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24 hour monitoring and for support with customers to resolve any disagreements.





Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.

NOW TO THE ORIGINAL REPORT THAT WAS FILED

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