Aspen Home Mortgage Group, Inc.

Please do not waste your time with these people. Let me tell you about our AWFUL experience we just had. I have filed a complaint with DORA and the BBB. At the end of August, we were referred to Mr Ramsey by a friend of his to refinance our home. We were happy with the rates being offered, and were even more pleased when Mr Ramsey said we would close in 14 days. September 1st came about and my husband called Mr Ramsey and asked if we should make our mortgage payment. Mr Ramsey told him not to make the payment because he had already contacted our mortgage company and got the payoff numbers, and if we made a payment it would “mess it all up.” 2 weeks go by, we hadn’t heard anything from Mr Ramsey. My husband called again as this was past our expected closing. My husband didn’t hear back from Mr Ramsey. He sent text messages and emails, and again, received no communication back. My husband called the person that referred us to Mr Ramsey to see if she could get a hold of him, being that they’ve been friends for 20 years. That is when we finally heard from him! Mr Ramsey said we slipped through the cracks, and they just got bombarded with more applications because the rates went down. Folks, this was still in September. October came, we still haven’t received paperwork or communication from Mr Ramsey. Then Mr Ramsey contacted my husband and said we now need to make our September payment since we will be closing in October and not September. This threw us for a loop, we obviously weren’t expecting to pay September’s and had spent that money on flooring for the house. Nevertheless, we made the payment, and were told he will prioritize us. Now we are in the second week in October, and guess what... Mr Ramsey informs us that the underwriters have denied our application to refinance because we were LATE on our September payment! Due to Mr Ramsey’s negligence, we now have a late payment on our credit report, we didn’t get approved for refinance because we didn’t make the September payment on time, per his direction! We are absolutely beside ourselves. We have NEVER had a late mortgage payment in our lives.

My experience with this company was amazingly poor! Aspen Home Mortgage was recommended to me so I was shocked when I experienced such terrible service. Being a new home buyer, I didn't know the right questions to ask and the folks at Aspen certainly did not volunteer any information or otherwise educate me on what to expect. They also seemed to be opposed to talking on the phone and communicated nearly exclusively over email. Even when I told them I could not often respond to email quickly, they sent me emails that required my immediate attention, and then implied I was being uncooperative in not responding to them quickly! They did NOT tell me about the interest rate I was getting. I only found out by reading the documents. Also, ONE day before our scheduled closing date, Aspen "discovered" a problem with the home's appraisal and the closing had to be delayed for weeks. This is a "problem" they should have "discovered" weeks earlier. Their delay caused great difficulty for my family since moving involves planning and coordination of many details. Overall, if you're already an expert and don't need good communication, you might consider using this company, but if you need them to be the experts and lead you through the home-buying process, DON'T pick them! If not for the guidance and support of my realtor, I wouldn't have survived this process!

My name is Robert Goldfinger and I have been in the real estate business for 40 years in the Maryland and District of Columblia markets. I have worked with Tim Scott, of Aspen Home Mortgage Group, Inc., for at least 20 of those years. He has always been reliable, professional, knowledgeable and honest in his approach with my Buyers & Sellers. The importance of choosing a Mortgage Officer is will he get the job done on time with No surprises. Tim is the right choice! He has never let me or any of my clients down in the many years we have worked together. Please feel free to get in touch with me with any questions on my cell at 301-257-9376 or email me at <[email protected] regards,Robert GoldfingerBrokerGroup One Yeager Miller Realty, Inc.10117 Colesville RoadSilver Spring, MD 20901301-593-5050-Office

Lisa was pleasure to work with. she returned emails and phone calls quickly and was hppy to answer questions.

have worked with Tim Scott, of Aspen Home Mortgage Group, Inc., for at least 20 of those years. He has always been reliable, professional, knowledgeable and honest in his approach with my Buyers & Sellers. The importance of choosing a Mortgage Officer is will he get the job done on time with No surprises. Tim is the right choice! He has never let me or any of my clients down in the many years we have worked together. Please feel free to get in touch with me with any questions on my cell at 301-257-9376 or email me at <[email protected]. Best regards, Robert Goldfinger Broker Group One Yeager Miller Realty, Inc. 10117 Colesville Road Silver Spring, MD 20901 301-593-5050-Office

We researched who to refinance our home mortgage with and decided on Aspen Home. We had heard good things about them, and that their rates were some of the best in our area. They were extremely professional, responsive and quick in processing our loan. All required underwriting documentation was requested at the time of the loan application which we felt helped accelerate the loan processing and approval time-frame. The entire process was very painless and we are very happy with our new very low rate!