DEBORAH
DESOTO,#2Consumer Comment
Sun, November 07, 2004
I had been searching for two years for someone to refinance our home and 12 acres.I was very discureged. Joseph Lopp called one day from First American Lending asked if i would like to refinance I said no at first and he proceeded to tell me interest rates were down and now was a good time to refinance I then explained to him I had been tuned down bye other mortgage co. and told him my circumestances.He got to work on my loan and he keept me well informed got me approved lowered my payment dropped my interest rate got me cash back knocked five years off our loan .It wasnt an easy task to get my loan refinced but he did it when no one else would. AND I do and have recomended Joseph Lopp at First American Lending in fact I took my mother to them and she was also pleased with joseph Lopps service he got her refinaced we didnt encounter any disatisfaction. Joseph Lopp at First American Lending also heLped my son to get finaced to buy a home and he is very happy with his loan and Josephs service' My husband also sent a friend from work to First American Lending and Joseph Lopp was his loan officer also another satisfied customer he to was able to get a loan to buy the home he wanted .Every loan is different but I believe Joseph Lopp and First American Lending done a terrific job satisfying our family and friends needs. I believe Joseph Lopp is a very well groomed, polite, honest, hard working family man and would never use his mother for sympathy . Haveing a mother with cancer is no easy thing to face.
David
St. Charles,#3Consumer Comment
Sat, November 06, 2004
It's hard to believe that Joseph Lopp is that crooked. He was referred to me by a friend. I called him in July of 2003. I didn't purchase my home until October of 2004. He was the most patient person I had delt with. Everyone else I had talked to in the past gave me the same line, "still at all time 40 year lows if I don't hurry up and buy a home I will miss out". Problem was, I had never bought a home before and I was worried about getting in over my head. Also I was wanting to buy a home in St. Charles which is extremely expensive and just about out of my budget. After about 50 or 60 phone calls asking Joseph how much my payment would be on this home or that home I finally found a home that I could afford. It was a 2 unit duplex. Joseph was able to secure a payment that I could afford. I as well was told I should split my mortgage up to prevent pmi insunce aka mortgage insurance, and that is exactly what it did. Also my second mortgage went thru Citi home equity or citigroup or citicorp they're all the same company. Now my payment book didn't come to my house either it went to my previous address which was handled and resolved quickly. Citi said that this happens quite often. Joseph was an extreme help on my loan and not once did he rush me or try to get me to do something I didn't want to do. i also recieved a package in the mail with rates totally different than what he quoted me. However he had explain that the banks often over diclose to prevent lawsuits. I checked it out and that was exactlly what the bank told me. When you submit a complaint on someone. You better make sure what you say is the complete truth. I don't doubt that there was a mistake made at the closing of your loan, but I would bet my life it didn't have anything to do with Joseph Lopp. Working with him for that long of a period of time I had come to know a lot about him and his character. He is an honest business man and a father of two young girls and these negitive accusations could seriouslly harm his work and his family. So in the future if you really are what you claim to be (God fearing person)you might want to think a little longer before making such slanderous statements towards someone like Joseph. Buy the way I have come across many dishonest people in my time and I don't think even those people would use their sick mother as a excuse. If there is a next time leave her out of it. In conclusion I do hope everything gets resolved for you in the end. Please post this on the web people need to hear both sides. Sincerely,
JEFF
EDWARDSVILLE,#4Consumer Comment
Sat, November 06, 2004
While it is obvious that these customers are dissatisfied with there transaction, I find it very unlikely that some of there comments are not embelished. I worked with Joe ( the broker ) for quite some time before he entered the mortgage services field. I can say that he has always been a customer focused professional and never would have treated these people as they describe. In the many years I have know the Lopp family they have always been honest and caring in all of there endeavors. He has always been proactive in his customer service and willing to go out of his way to help in every circumstance. I hope that anyone that may read this report looks deaply into the reputations and credentials of all parties involved. Sincerely,