Quicken Loans Do your research BEWARE of Quicken Loans Detroit Nationwide

I don't know where to start as a day before my loan with Quicken was set to close, I had the rug ripped out from underneath me, being told that after over a month, underwriting wouldn't approve the loan. The home my family and I fell in love with. The gut wrenching feeling of having it slip through your fingers and struggling against the clock that's almost out to find another lender is beyond description and wasn't necessary. I was attracted to the Rocket mortgage gimmick advertised to give the impression of a quick process and I was pre approved in roughly 15 minutes BUT what the average/novice home buyer doesn't realize is that this is worth nothing. A reputable lender doesn't wait until the last minute to pass the loan by underwriting, rather they work towards that goal of what they need to pass underwriting from the beginning so when they give a pre approval, the odds are you have the loan locked. I was getting phone calls from different states; different departments of Quicken, that were not in the state I was attempting to purchase a home, which is important because they didn't know the real estate laws in the state I'm in and were giving me inflated closing costs quotes that were all wrong. They are so compartmentalized that they weren't communicating effectively, requesting the same docments that were provided, multiple times. They steer you towards using MyQL.com, your loan portal, instead of calling them, which just further depersonalizes the process and opens the door to making all kinds of odd "to do" requests; hoops for the borrower to jump through, such as asking why my tax bills went from my previous address to now my current address. This company treats people like they're on a production line and if the same cookie cutter method doesn't work and there's any deviation they drop you even if you've been "pre approved" then "conditionally approved," because they are so disjointed and flip the process around to hand out quick pre approvals that are MEANINGLESS. Do your due diligence and research reviews on local lenders who will know the laws and deal with you more like a person than commodity going down the production line. I am working with a local lender now and the experience is totally different. I only wish I had done it earlier as this mistake could cost me more than racked nerves, broken hearts of my family and more money to redo everything like appraisals, increased cost of the home to cover the lag time for the builder etc etc...this could cost me the most perfect home that I've seen