Susan and her team were really helpful when we had questions, if we didn't understand something they were quick to jump in and explain. I would recommend them to anyone who asks if I know anyone in the mortgage financing arena

We truly could not have done this without Susan. Thank you!!

Susan and her team go above and beyond! I love working with them.

Susan Heren and her team did a great job on our mortgage.

not yet

My issues first started when Susan told me that I didn't qualify for the first time home buying assistance program when I did, they lifted the restrictions for how much money you could save to consider you eligible 3 months prior to giving me that incorrect information. I would’ve never known I actually did qualify until my realtor told me. My realtor told Susan to double check and that’s when Susan realized that she was mistaken. Susan also knew the monthly was a little too high for my comfort, however I agreed to settle on it and figure it out. However, she did not warn me that my monthly bill went up an extra $100 AFTER the fact, and I didn’t find out until it was time to sign paperwork. When I asked her about it, she had just found out over the phone because of me bringing it up, and said “oh, the property taxes weren’t updated when I first gave you the estimate, that’s why”. But she told my realtor that she had sent me multiple texts, emails & voicemails regarding the upcharge - When in reality she just discovered the change over the phone after I informed her. I asked what to do now, since I’m quite literally paying for her mistake - she said I could either “put down another 10k to save 62 a month on the mortgage”, or she said I could potentially “buy my interest rate down”, but then when I asked my realtor if that was even an option with MSHDA - she said no. So I don't know why that was even offered to me as a potential option if it wasn't applicable to my situation. Susan then told me that it was just “a few less trips to starbucks” a month, or I could get a roommate - which I found very insensitive. I go to a lender for numbers, not for unsolicited advice that almost feels pressuring. She also stressed multiple times that I could just “refinance once interest rates dropped”, so I asked if there was a stipulation or cap on when I could refinance being that I was working with the MSHDA program, and she quite literally said that “we prefer you wait 6 months, but you can refinance before then with no extra fees”. I asked my realtor to double check that since Susan has been known at this point to give me incorrect information, and I was told by my realtor that you have to absolutely make 6 months of on time consecutive payments before I’m eligible for refinancing. She has also sent me time sensitive documents to the wrong email, and then I was asked “do I still want the condo” because I hadn’t responded to those emails that I don’t even have access to on my phone anymore. I have asked her questions regarding paperwork I’ve been sent and had to wait DAYS before I had to text her AGAIN asking for a response, which resulted in her telling me that it was paperwork that needed to be printed, signed in front of a notary and emailed a copy to her, etc. I didn’t get the amount that I should bring as a cashiers check to close until literally an HOUR before my closing appointment. With everything that’s happened and all the mistakes on her end, I have yet to even get an apology. All of this had stressed me out to the point of having anxiety attacks, not being able to sleep or focus on my tasks at work. I feel like I couldn’t trust my lender and I had to double check everything, when I don’t even have the knowledge that I should have being that this is my first time buying a home. Even the first home buying course she had me take, had a module in regards to “red flags about lenders” and a lot of the stuff it was warning against, she did. I was terrified that something will be input incorrectly and will screw everything up. I felt defeated and at a complete loss and have felt absolutely taken advantage of. Overall it was an unconformable and unsettling experience.