When I applied for my loan with Legacy Home Loans, the Loan Officer, Tom Richter, ran our credit report and found two unpaid collection accounts that we were unaware of reporting on our report. The collection accounts were due to problems from a health insurance related issue in which the insurance company failed to pay the doctors. Tom offered to speak on my behalf via a conference call to the collection agencies to resolve the situation. The way Tom handled the collection agencies "tough guy" representative was spectacular. We resolved the situation and had the account paid and removed from my credit report which raised my credit score over 50 points and enabled us to get a lower rate. Thank you so much Tom and Legacy going above and beyond to help us!!!!!
We were working with B of A for over 3 months when rather than delivering what they said they would they finally said we were turned down for the loan. I had worked with Legacy Home Loans in the past and am so sorry I didn't call them first. After wasting 3 months of my time with the big bank, Legacy Home Loans closed our refinance in 3 weeks with a great rate in one of the easiest transactions I have ever done. Never again, I will always be contacting Legacy Home Loans for all my mortgage needs.