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- Clay Branch, "Georgia Loans"
- Contributions:7856
AA, Is this the same company?
http://www.zillow.com/profile/AimLoan/Reviews/
http://www.zillow.com/profile/AimLoan/Reviews/
- Andrew Adams, "203K Specialist"
- Contributions:9349
Truly amazing ... and I am convinced it is a quarterly spam campaign!
July Spam
October Spam
January Spam
I look forward to the April 1st contribution Spam!
July Spam
October Spam
January Spam
I look forward to the April 1st contribution Spam!
- connectionwizard
- Contributions:1
I bought a home in California in July 2010 and used Aimloan for the lender. It was a long email ridden process, but I got the best rate out there and theyve proven to be much better than Chase was on my last home as far as their customer service.
Anytime I call with a question, I speak to a knowledgable person, who speaks English. I love that!
They we're referred to me by my sister and my accountant who are both financed through them. I was skeptical at first, but they have proven to be an excellent company thus far.
Hope this helps!
Anytime I call with a question, I speak to a knowledgable person, who speaks English. I love that!
They we're referred to me by my sister and my accountant who are both financed through them. I was skeptical at first, but they have proven to be an excellent company thus far.
Hope this helps!
- Norm D Plume, "America Needs Nixon!"
- Contributions:1670
the weekly infomercial.
- captb767
- Contributions:38
I just refinance my mortgage for 4.37% people at aimloan.com are great. I was dealing with Jamie and Shayna at aimloan both done a great job. aimloan.com is good company.
- Andrew Adams, "203K Specialist"
- Contributions:9349
The quarterly spam campaign?
- openup
- Contributions:104
Aimloan is a good company if you provide to your documentation in a timely fashion. Your debt to income ratio is within their guidelines and your appraisal comes back competitively.
Aimloan unlike other companies locks our rate immediately compared to many who wait until after your app goes through underwriting for approval.
Even if you have all your ducks in a row. It still may take longer than 30 days to closed. If its their fault they will extend your lock for free.
Some what of a enigma. After some research on the experiences of those seeking to refi or purchase a mortgage, I have found that the chatter is inconclusive and your experience will vary depending on your circumstances.
Either way it will be the same "sh_t, just a different company. A alternate tool to consider is their BBB rating and how consistently they resolve customer complaints.
Aimloan "No Bad"
Aimloan unlike other companies locks our rate immediately compared to many who wait until after your app goes through underwriting for approval.
Even if you have all your ducks in a row. It still may take longer than 30 days to closed. If its their fault they will extend your lock for free.
Some what of a enigma. After some research on the experiences of those seeking to refi or purchase a mortgage, I have found that the chatter is inconclusive and your experience will vary depending on your circumstances.
Either way it will be the same "sh_t, just a different company. A alternate tool to consider is their BBB rating and how consistently they resolve customer complaints.
Aimloan "No Bad"
- dwindenver
- Contributions:3
I called Aim Loan and talked to a very pleasant person that led me through the first stages of the loan process. After that my loan application was sent to a loan processor who either was new to the job or completely overworked. Either way, the processing was quite unsatisfactory. The constant request for extraordinary amount of documentation to be faxed and the lack of phone communication was less than desirable. When asked about additional documentation, the response was "Every time I have to request additional documentation I place the file in line to be reviewed in the order in which the documentation is received." A phone conversation would have helped eliminate a lot of confusion. Only with the help from our real estate agent were we able to close our loan and not lose the property. Our agent called AimLoan and asked that our loan processor be removed from the loan and someone else put on the case. A supervisor stepped in and although they did not make the deadline, our real estate agent was able to convince the closing company to stay after hours and close our loan in escrow until the next day when all the paper work was completed. I could not recommend AimLoan and I will not use them again!! The quoted rate stayed the same throughout the process, but they missed our original closing date by three days. Good Luck
- Nic Netherton, "Colorado Lender"
- Contributions:7219
Sure you did.....
- Entropy42
- Contributions:4
I just refinanced with Aimloan and I was extremely happy with the entire process. I like to do things over email, so their online/email-heavy style fits me just fine. My original mortgage was a horrible experience with a dishonest mortgage broker. Aimloans Upfront Lending policy (not a unique thing, but not true of every mortgage place) was a big improvement. All the costs were laid out in advance, and they showed which ones could not change at all at closing, and which fees could change by up to 10%.
I'm not going to put out the exact numbers for my loan since its not relevant, but the rates I got (at -1.125 pts, so my closing costs were zero) were better than anything else I found. More importantly, the closing costs were spot on compared to what they originally estimated for me through the forms on their website; compared to my original purchase where $3k in new fees sprung up 3 days before closing.
I've read a few reviews of them with people complaining about not getting approved for the mortgage due to weird issues. I can't speak to that, for our refinance it was all pretty straightforward, though they certainly did want a lot of documentation of assets and such. I had no issues providing it, as I'm sure all lenders have gotten a little more diligent with their background research in light of recent events.
I'm not going to put out the exact numbers for my loan since its not relevant, but the rates I got (at -1.125 pts, so my closing costs were zero) were better than anything else I found. More importantly, the closing costs were spot on compared to what they originally estimated for me through the forms on their website; compared to my original purchase where $3k in new fees sprung up 3 days before closing.
I've read a few reviews of them with people complaining about not getting approved for the mortgage due to weird issues. I can't speak to that, for our refinance it was all pretty straightforward, though they certainly did want a lot of documentation of assets and such. I had no issues providing it, as I'm sure all lenders have gotten a little more diligent with their background research in light of recent events.
- zilllowite
- Contributions:1
Nerd fight!
- Andrew Adams, "203K Specialist"
- Contributions:9349
Rudi,
It's real the lender that is at 4.375% does not lend in cali so I am not suprised you don't have it.
It's real the lender that is at 4.375% does not lend in cali so I am not suprised you don't have it.
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
Andrew,
4.375% on a true 15F jumbo is fantastic. No one that I know of can come close. Also if my 4.750% 30F conforming is .75% higher than yours, you should be busier than a one-armed paper hanger. No one that I see quoting on Zillow, even you, is offering a 30F at 4.000%.
As far as my closings, my fees are clearly stated, as is all YSP goes to the borrower. No one needs to imagine anything about my rates, fees, closings, etc., if they can read. Sincerely, Rudi Hofmann
4.375% on a true 15F jumbo is fantastic. No one that I know of can come close. Also if my 4.750% 30F conforming is .75% higher than yours, you should be busier than a one-armed paper hanger. No one that I see quoting on Zillow, even you, is offering a 30F at 4.000%.
As far as my closings, my fees are clearly stated, as is all YSP goes to the borrower. No one needs to imagine anything about my rates, fees, closings, etc., if they can read. Sincerely, Rudi Hofmann
- Andrew Adams, "203K Specialist"
- Contributions:9349
Rudi,
That was a true Jumbo I was quoting and your conforming rates appear to be about .75% higher in price than what I can offer on a consistent basis...but rate is far from everything....I also noted that you charge clients $1,250 when they don't close with you...I can only imagine what you charge them when they do close with you.
You get defensive even when I agree with you.
That was a true Jumbo I was quoting and your conforming rates appear to be about .75% higher in price than what I can offer on a consistent basis...but rate is far from everything....I also noted that you charge clients $1,250 when they don't close with you...I can only imagine what you charge them when they do close with you.
You get defensive even when I agree with you.
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
Andrew, if you are insinuating that my rates are not competitive, you better look again. My 15 F Super Conforming is 4.250%. You stated your Jumbo was 4.375%. You must have meant Suer Conforming. No one has 4.375% on a 15F above Super Conforming limits. Did you misquote? .... Happy funding, Rudi
- Andrew Adams, "203K Specialist"
- Contributions:9349
Rudi,
I have looked at your rates online...I am not really sure what your clients look at...but I would agree rates and fees are certainly not what your clientele focus on!
I have looked at your rates online...I am not really sure what your clients look at...but I would agree rates and fees are certainly not what your clientele focus on!
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
Andrew,
I don't think anyone should choose a broker/lender on just their rates and fees.
Although, I publish my 30F & 15F rates daily on my website. I have never had a problem with my past clients regarding my website rates, because I explain everything throughly. .... Happy funding, Rudi
I don't think anyone should choose a broker/lender on just their rates and fees.
Although, I publish my 30F & 15F rates daily on my website. I have never had a problem with my past clients regarding my website rates, because I explain everything throughly. .... Happy funding, Rudi
- Hamp Yonce, "Zilluminati"
- Contributions:3463
John, I know what Shylock means. You opted to use the word to describe a man who I consider to be quite honorable, so I used the term to describe the object of your obsession.
- Andrew Adams, "203K Specialist"
- Contributions:9349
" to date, despite soliciting ~20 Zillow broker quotes and searching elsewhere (at least with places that are transparent / have functionality that allows consumers to see current rate options on their websites), still haven't seen anything better"
But have you been offered the same from others...Today I could offer 4.375% on a 15 year fixed rate Jumbo Loan...When rates were a little better I would be shocked if 4.25% was not available. As for posting rates on a website being the reason to choose one lender over another...that's a personal preference for the consumer and a business decison for the lender....I believe that if we simply posted our best available rates on the website, we would simply piss off many consumers when we would have to tell them..yes that's a real rate but you don't qualify for that rate....No one likes to be told that.....Maybe that has some impact on the number of Consumers that have negative things to say...For a conumer like you that has pristine credit and low loan to value they can deliver the best available rate...Thus meeting your expectation.
You should be happy ...you got a good deal....But by no means was AIM the only option available for you to get that deal!
- WestportCT1830
- Contributions:16
@ Nic- Sir, it seems that you just don't get it. The more you bash- and its all that you seem to do when "AIM" notifications get sent to your email- the more some consumers will feel the need to respond.
I didn't address you personally when you called me a "fibber", as you have done to another person in a different thread, so let me do it now... I am not a liar, and take great offense to you saying or implying.
I would also assume that the company and its employees would be offended when you unfairly question their integrity (so perhaps someday you'll stop).
I'm sure you'd agree, anyone can promise you low rates and fees. It's the delivery that counts. All that I've been saying is that AIM did that for me, saved me tens of thousands of dollars vs. every independent broker quote received, and I thought it would be worthwhile to share that with other consumers.
Of course, they can make up their own mind. But for me, and others, I'd take a bit of potential fall-off in service to save that kind of money.
I didn't address you personally when you called me a "fibber", as you have done to another person in a different thread, so let me do it now... I am not a liar, and take great offense to you saying or implying.
I would also assume that the company and its employees would be offended when you unfairly question their integrity (so perhaps someday you'll stop).
I'm sure you'd agree, anyone can promise you low rates and fees. It's the delivery that counts. All that I've been saying is that AIM did that for me, saved me tens of thousands of dollars vs. every independent broker quote received, and I thought it would be worthwhile to share that with other consumers.
Of course, they can make up their own mind. But for me, and others, I'd take a bit of potential fall-off in service to save that kind of money.
- Nic Netherton, "Colorado Lender"
- Contributions:7219
Ha! It's like it's part of the AIM employee's daily schedule....clock in 9 o'clock..snag some deals by offering BS deals for a couple hours. 11 o'clock, check the internet for anything bad about our crappy company and pose as a consumer to attempt to say good things about our company, check .
Lunch break time....
Lunch break time....
- WestportCT1830
- Contributions:16
@ Yonce-
I really want this to die, so I can move onto other things. However I could not let your bashing pass without a response.
Your comment, "I guess if you are in the shylocking game to get rich, like AIM, then aggravating 1 or 2, or 10% of your customers is a cost of doing business." is blatantly false and unfair.
Looking at the word you opted to use to describe AIM, which per the dictionary means "to lend money at exorbitant interest rates" doesn't fit... for me, they actually had the best deal on the street, delivering an APR at least 125bp less than all other offers, and saving me tens of thousands of dollars.
Second, no business sets out to aggravate any customers; I get the sense they are sensitive to service issues that may happen, and try to improve (having received a survey post transaction, it at least seems to be proactive in trying to obtain feedback, identify issues, and resolve).
Anyhow, glad to hear you have outstanding customer service performance. Good luck.
- WestportCT1830
- Contributions:16
@ Rudi- No, the same patron, John. Just figured that with all the bashing, probably better not to have my screen name reflect my real name, And as I am slow at these things, not sure what is meant by RIP. Who died- the small town mortgage broker?
Anyhow, Mr Yonce indicated I obtained a mediocre rate... to date, despite soliciting ~20 Zillow broker quotes and searching elsewhere (at least with places that are transparent / have functionality that allows consumers to see current rate options on their websites), still haven't seen anything better. Thus, I'm comfortable with my deal.
If anyone has something better, I'd be intersted in learning (while I am no longer in the market, I know of other folks here in Fairfield County CT with similar financial positions who would be interested).
Anyhow, Mr Yonce indicated I obtained a mediocre rate... to date, despite soliciting ~20 Zillow broker quotes and searching elsewhere (at least with places that are transparent / have functionality that allows consumers to see current rate options on their websites), still haven't seen anything better. Thus, I'm comfortable with my deal.
If anyone has something better, I'd be intersted in learning (while I am no longer in the market, I know of other folks here in Fairfield County CT with similar financial positions who would be interested).
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
There goes another unsolicited patron of Aim Home Loans. RIP. .... Happy funding, Rudi
- WestportCT1830
- Contributions:16
@ hamp,
Feb 12:
15 yr FRM 4.25%, 0 pts, no escrow, no cash out refi @ over $675k. LTV 60%, FICO and new worth not an issue. Approval was no brainer.
everyplace else best no-points offer I found was 4.125% with escrow conforming (up to 417k), with anywhere from 0.125% to 0.5% premium since loan value was above conforming (but below the 125% county median, which in my area reset the jumbo bar to ~$710k.
I was happy to do it on line, painlessly, with little more than 1-2 hrs invested in total
Feb 12:
15 yr FRM 4.25%, 0 pts, no escrow, no cash out refi @ over $675k. LTV 60%, FICO and new worth not an issue. Approval was no brainer.
everyplace else best no-points offer I found was 4.125% with escrow conforming (up to 417k), with anywhere from 0.125% to 0.5% premium since loan value was above conforming (but below the 125% county median, which in my area reset the jumbo bar to ~$710k.
I was happy to do it on line, painlessly, with little more than 1-2 hrs invested in total
- Hamp Yonce, "Zilluminati"
- Contributions:3463
John,
I've been Mortgage Broker Scum, and Real Estate Agent Scum, for over 16 years, and I have had 0% complaints. None, Nada, Zip, Zero, Zilch. Part of knowing what you are doing is keeping your volume manageable. I guess if you are in the shylocking game to get rich, like AIM, then aggravating 1 or 2, or 10% of your customers is a cost of doing business. Not so under my business model.
When did you close this magic deal with AIM? The rate you quote looks mediocre at best.
I've been Mortgage Broker Scum, and Real Estate Agent Scum, for over 16 years, and I have had 0% complaints. None, Nada, Zip, Zero, Zilch. Part of knowing what you are doing is keeping your volume manageable. I guess if you are in the shylocking game to get rich, like AIM, then aggravating 1 or 2, or 10% of your customers is a cost of doing business. Not so under my business model.
When did you close this magic deal with AIM? The rate you quote looks mediocre at best.
- Justin Sheftell, "Courtesy Mortgage"
- Contributions:3431
Oy Gevalt.
- shapiroamg
- Contributions:3058
He called me a "mortgage broker scum". much better.
:D
:D
- Andrew Adams, "203K Specialist"
- Contributions:9349
John,
This is a public forum and opinions are always welcome...if everyone shared the same opinion...what would be the point?
This is a public forum and opinions are always welcome...if everyone shared the same opinion...what would be the point?
- WestportCT1830
- Contributions:16
@ shapiroamg-
no anti-semitic intent. sincere appologies if misconstrued. thought that shylock was associated with banker / broker. again, appologies.
next time I'll be less cryptic and just call you a mortgage broker scum. again sir, please understnad, no racial slur intended.
@ rest of audience-
ultimately, i will exit this thread now. I've been repeatedly insulted, accused of being a shill for a company I have no affiliation with, and now accused of offensive slurs. All this for tring to provide independent praise for a service provider I enjoyed working with (while also trying to counter what I perceive as unfair and unbalanced comments from competitors).
in short, don't want or need bashing. peace out.
Does anyone have experience with aimloan.com? Great rates - is it too good to be true?
30 yrs fixed - 4.823% APR (4.75% interest) with $8.1k closing.
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