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Complaint Review: Ripoff Report REVIEW: Desert State Mortgage LLC Commitment To 100% Customer Satisfaction - Phoenix Arizona
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Ripoff Report REVIEW: Desert State Mortgage LLC Commitment To 100% Customer Satisfaction
2200 East Camelback Road Phoenix, 85016 Arizona, United States of America
Phone:
602-955-5449
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Ripoff Report REVIEW: Desert State Mortgage, LLC commitment to 100% customer satisfaction, feel confident & secure when doing business with DESERT STATE MORTGAGE, Commitment to client satisfaction, helping families build homes one loan at a time, Securing the best mortgage to fit their clients' needs.. Investigation conducted by Ripoff Report found ex-Desert State Mortgage employee was disgruntled & inappropriately used this website to vent his rage and all claims made were found to be bogus. Desert State Mortgage states their Commitment to Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. Phoenix Arizona, Nationwide
Ripoff Report REVIEW:
Desert State Mortgage, LLC joins Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..A long name for a program that does a lot for both consumers and business alike. Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, ..A program that benefits the consumer, which assures their complete satisfaction and confidence when doing business with a member business. .
As a matter of policy, when Ripoff Report is retained by a company to mount an independent review and to publish our findings, we examine the truthfulness of the consumer complaints using every bit of information at our disposal. Our process is systematic and highly effective because: 1) It takes place at the consumer level and 2) the company or individual in our Corporate Advocacy Program must commit to 'doing whatever it takes to make things right with their customers.' By working closely with the company or individual, Ripoff Report can track the footprints left behind when their promised level of customer service is actually followed by the solid ground of real behavior. Only then do we publish our findings
Ripoff Report cannot ever guarantee any product or service, but we can only report what we find, in order to help you get a better understanding of the company or individual we are investigating. That having been said, the conclusion Rip-off Report came to after our investigation, to the best of our knowledge, is that this company is a reputable firm, offering products and services of real value.
ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES.
By Ed Magedson - Founder, Rip-off Report
Desert State Mortgage, LLC approached Rip-Off Report last month with the express purpose of resolving employee concerns posted on Rip-off Report. After a recent mailing to everyone who filed a Rip-off Report, it became apparent that Desert State Mortgage, LLC is sincere in their commitment to remedy any and all employee concerns. Company executives stated to Rip-off Report that an ex-Desert State Mortgage, LLC employee was disgruntled and used this consumer website to vent his rage. He posted malicious accusations that were false. His attempts to defame Desert State Mortgage, LLC and its owner have been investigated by Rip-off Report and have been deemed unfounded and negligent. Read below more on what this ex-employee did.
DESERT STATE MORTGAGE, LLC CONTINUES TO CLARIFY WHO THEY ARE AND WHAT THEY CAN DO FOR CLIENTS
Executives stated that.. Our Philosophy Customers for Life A strong and genuine belief in the customer for life principal of doing business is what fuels this company. We believe in offering low rates and low costs loans. We do not have expensive billboards or expensive advertisements so we can pass the saving to you-the customer. Referrals from previous customers and real estate professionals have always delivered the majority of the company's production.
We use the most advanced technology available to close loans quickly, at a low cost. By combining the use of the internet along with advanced processing software and automated underwriting systems we have taken the mystery out of approving and closing a home loan. This means that you can now get a loan faster, at a lower cost, with less paperwork and less stress!
ANY BUSINESS THAT CAN ADMIT THEY MADE MISTAKES AND CORRECTS THOSE MISTAKES IS A BUSINESS YOU CAN TRUST AND WORTH DOING BUSINESS WITH
Even though the Reports filed about Desert State Mortgage are all false, verified by Ripoff Report, company executives said that this was a wakeup call as to the ways of the 21st century. Company executives also stated that over that last few months they have spoken to each employee, going over the zero tolerance policy for fraud. Loan officers who commit any kind of fraud will be terminated and reported to state banking. If a loan officer is terminated or resigns they can only be paid final commissions if the following occurs:
Employee shall be entitled to commissions on all loans originated by and which have actually funded by the last day of the calendar month next preceding Employee's termination. Employee must work the entire month in which any commissions are earned to be compensated for those commissions. If the Employee leaves or is terminated prior to the end of any month, he/she will not be paid for that month of production except for minimum wage, were applicable, time accrued as of the date of termination.
Revisiting employee contracts, at least every six months, will prevent future employee discrepancies over final commission. Open communication between employer and employee is the key to a streamlined, well operating company.
DESERT STATE MORTGAGE, LLC CONTINUES TO GO ABOVE AND BEYOND BY IMPLEMENTING QUALITY ASSURANCE PROGRAM.
Desert State Mortgage, LLC has also started an "Excellence in Action" program. Emails are sent to borrowers after key conversations to make sure that borrowers understand the loan products and strategies covered. This will give their borrowers a chance to give vital feedback on the information that is covered, as well as the presenter of the information. Thanks to the feedback from borrowers, Desert State Mortgage has made changes to the information presented and is currently training their staff on how to be more effective.
Desert State Mortgage, LLC GIVING THEIR CUSTOMERS THE BENEFIT OF THE DOUBT...
A DSM loan officer said "It's rates! We can get someone the lowest rates allowed by law and sometimes it's still not enough" .. a reality of life, we all have to pay some interest. In the business that Desert State Mortgage is in they understand the pain associated with paying monthly mortgage payments and they have built a team around reducing that pain to the extent the law allows; but they can not make mortgage interest go away.
Ripoff Report knows, there is no company or individual that is perfect State Mortgage, LLC knows this also and demonstrates their need for continuing improvement - that is why Rip-off Report feels you can be completely confident, safe and secure when doing business with them as a member of Rip-off Reports' Corporate Advocacy, Business Remediation & Customer Satisfaction Program.
RESULTS OF MAILING TO ALL THOSE WHO FILED A RIP-OFF REPORT
As a part of the Corporate Advocacy Program - Rip-off Report always emails everyone who filed a complaint letting them know, the company is ready to make things right.. whatever it takes. In this case, Rip-off Report sent an email to the one disgruntle employee who filed FIVE false Reports on Desert State Mortgage and I would now like to share the results with you.
The former employee did not respond and more importantly, Desert State Mortgage has never received a consumer complaint because of their high level of customer service and the philosophy of Customers for Life principle. It is Rip-off Report's philosophy that it is much more beneficial for the consumer to see how a company like Desert State Mortgage takes care of any negative press. (Today, in the 21st century, true or false .. we will all be blogged somewhere.) No company is without its share of problems, however, there are many companies who continually sweep those problems under the rug and never achieve the growth that other companies such as Desert State Mortgage enjoys.
WHY DID DESERT STATE MORTGAGE GET T FIVE REPORTS FILED ABOUT THEM? EMPLOYEE COMMITTED FRAUD, HE WAS THEN FIRED, THEN POSTED BOGUS REPORTS TO RETALIATE. INVESTIGATED BY STATE OF ARIZONA, DESERT STATE MORTGAGE WAS RIGHT TO FIRE THE EMPLOYEE..
An Desert State Mortgage, LLC employee was fired from DSM for violating Arizona Law. Pursuant to their employment agreement, the employee was owed no money. Despite these facts, DSM gratuitously offered to compensate the employee some money notwithstanding no legal obligation to do so. DSM's generosity was met with spite, whining and harassment. The employee felt that DSM failed to provide their gift fast enough, so he instituted a campaign of harassment against Raul Harris, Desert State Mortgage's President.
The employee worked for Desert State Mortgage, LLC until earlier 2008 when he was terminated by DSM. He was fired because he violated A.R.S 6-909(H). That statute entitled Prohibited Acts makes it unlawful for a person employed by mortgage broker to concurrently work for another mortgage broker, without the prior written approval of all licensed mortgage brokers. Here, the employee worked for DSM at the same time he was originating mortgage loans for Liberty One Mortgage. Such conduct is clear violation of Arizona law.
Furthermore, Arizona Department of Financial Institutions investigated this matter and found Desert State Mortgage, LLC acted appropriately in firing the employee. Please feel free to contact AZDFI (602)-255-4421 to verify their finding.
Desert State Mortgage, LLC shows leadership by joining the Corporate Advocacy Business Remediation and Customer Satisfaction Program.
Keep in mind, Desert State Mortgage has worked with thousands of clients and with only 5 employee Rip-off Reports to show for it. What really is amazing that despite Rip-off report appearing on most search engines right below Desert State Mortgage, their complaint ratio is less then one half of one percent. Rip-off report feels that this is significantly below the industry standard for the clientele that they work with. From our perspective, it is quite unusual for a company who has had so few complaints request on their own to be a part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Desert State Mortgage is showing leadership for other companies to follow that care about their clients.
ABOUT THE CORPORATE ADVOCACY PROGRAM
While Ripoff Report does not endorse any company, including Desert State Mortgage, overall, our research demonstrated to us that Desert State Mortgage is a solid, reliable company that stands behind its service.
Many companies that contact Ripoff Report make claims that the Reports about them are false, were filed by the same person or even a competitor. Yes, Ripoff Report knows this can happen from time to time; however, we know this is not true most of the time. From federal to local law enforcement agencies, most use Ripoff Report regularly. When Ripoff Report works with law enforcement to assist consumers, never once have we heard from any agency that the Reports filed had bogus contact information. These agencies include FBI, FTC, SEC, IRS, Homeland Security, US Postal Inspectors, Justice Department, local, state and Federal Prosecutors along with local law enforcement across the USA along with government agencies in more than eight other countries.
Rip-off Report does not solicit its Corporate Advocacy Business Remediation & Customer Satisfaction Program. Any participation in this program is completely voluntary and at the request of the program member.
This program requires the Member Business to agree to satisfy all complaints - past, present and in the future by contacting us at Rip-off Report or directly contacting the company.. .
The Member Business must also state improvements they are willing to make to their business which benefits the customer to avoid the reported problems from happening again in the future.
Anyone contacting the following e-mail address will get immediate attention. (within 3-5 business days, usually with in 24 to 48 hours) We ask that you contact Desert State Mortgage Customer Service: at [email protected]
RIP-OFF REPORT CHARTING NEW TERRITORY ..Consumers should feel confident and secure when doing business with member businesses.
..Remember, just because a company or individual is reported on Ripoff Report does not mean you should not do business with them. Use Rip-off Report information as a tool to your advantage. Be knowledgeable about any company or person you hire. Also, don't be afraid to ask questions and get additional information until you feel comfortable in allowing them to work for you.
Be sure to contact us with your questions and comments about any business that is part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Your questions, comments and suggestions are always welcome and will be considered even if we don't agree with them. Please realize Ripoff Report is chartering in new territory, working to make a change for both consumers and businesses alike.
Consumers can feel confident and secure when doing business with Desert State Mortgage, LLC.
Here's why. Desert State Mortgage made a commitment to and are a proud member of Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business ....
Sincerely, ED Magedson- Founder [email protected] www.ripoffreport.com
Rip-off Report PO Box 310 - Tempe, Arizona
U.S.A
Desert State Mortgage, LLC joins Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..A long name for a program that does a lot for both consumers and business alike. Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, ..A program that benefits the consumer, which assures their complete satisfaction and confidence when doing business with a member business. .
As a matter of policy, when Ripoff Report is retained by a company to mount an independent review and to publish our findings, we examine the truthfulness of the consumer complaints using every bit of information at our disposal. Our process is systematic and highly effective because: 1) It takes place at the consumer level and 2) the company or individual in our Corporate Advocacy Program must commit to 'doing whatever it takes to make things right with their customers.' By working closely with the company or individual, Ripoff Report can track the footprints left behind when their promised level of customer service is actually followed by the solid ground of real behavior. Only then do we publish our findings
Ripoff Report cannot ever guarantee any product or service, but we can only report what we find, in order to help you get a better understanding of the company or individual we are investigating. That having been said, the conclusion Rip-off Report came to after our investigation, to the best of our knowledge, is that this company is a reputable firm, offering products and services of real value.
ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES.
By Ed Magedson - Founder, Rip-off Report
Desert State Mortgage, LLC approached Rip-Off Report last month with the express purpose of resolving employee concerns posted on Rip-off Report. After a recent mailing to everyone who filed a Rip-off Report, it became apparent that Desert State Mortgage, LLC is sincere in their commitment to remedy any and all employee concerns. Company executives stated to Rip-off Report that an ex-Desert State Mortgage, LLC employee was disgruntled and used this consumer website to vent his rage. He posted malicious accusations that were false. His attempts to defame Desert State Mortgage, LLC and its owner have been investigated by Rip-off Report and have been deemed unfounded and negligent. Read below more on what this ex-employee did.
DESERT STATE MORTGAGE, LLC CONTINUES TO CLARIFY WHO THEY ARE AND WHAT THEY CAN DO FOR CLIENTS
Executives stated that.. Our Philosophy Customers for Life A strong and genuine belief in the customer for life principal of doing business is what fuels this company. We believe in offering low rates and low costs loans. We do not have expensive billboards or expensive advertisements so we can pass the saving to you-the customer. Referrals from previous customers and real estate professionals have always delivered the majority of the company's production.
We use the most advanced technology available to close loans quickly, at a low cost. By combining the use of the internet along with advanced processing software and automated underwriting systems we have taken the mystery out of approving and closing a home loan. This means that you can now get a loan faster, at a lower cost, with less paperwork and less stress!
ANY BUSINESS THAT CAN ADMIT THEY MADE MISTAKES AND CORRECTS THOSE MISTAKES IS A BUSINESS YOU CAN TRUST AND WORTH DOING BUSINESS WITH
Even though the Reports filed about Desert State Mortgage are all false, verified by Ripoff Report, company executives said that this was a wakeup call as to the ways of the 21st century. Company executives also stated that over that last few months they have spoken to each employee, going over the zero tolerance policy for fraud. Loan officers who commit any kind of fraud will be terminated and reported to state banking. If a loan officer is terminated or resigns they can only be paid final commissions if the following occurs:
Employee shall be entitled to commissions on all loans originated by and which have actually funded by the last day of the calendar month next preceding Employee's termination. Employee must work the entire month in which any commissions are earned to be compensated for those commissions. If the Employee leaves or is terminated prior to the end of any month, he/she will not be paid for that month of production except for minimum wage, were applicable, time accrued as of the date of termination.
Revisiting employee contracts, at least every six months, will prevent future employee discrepancies over final commission. Open communication between employer and employee is the key to a streamlined, well operating company.
DESERT STATE MORTGAGE, LLC CONTINUES TO GO ABOVE AND BEYOND BY IMPLEMENTING QUALITY ASSURANCE PROGRAM.
Desert State Mortgage, LLC has also started an "Excellence in Action" program. Emails are sent to borrowers after key conversations to make sure that borrowers understand the loan products and strategies covered. This will give their borrowers a chance to give vital feedback on the information that is covered, as well as the presenter of the information. Thanks to the feedback from borrowers, Desert State Mortgage has made changes to the information presented and is currently training their staff on how to be more effective.
Desert State Mortgage, LLC GIVING THEIR CUSTOMERS THE BENEFIT OF THE DOUBT...
A DSM loan officer said "It's rates! We can get someone the lowest rates allowed by law and sometimes it's still not enough" .. a reality of life, we all have to pay some interest. In the business that Desert State Mortgage is in they understand the pain associated with paying monthly mortgage payments and they have built a team around reducing that pain to the extent the law allows; but they can not make mortgage interest go away.
Ripoff Report knows, there is no company or individual that is perfect State Mortgage, LLC knows this also and demonstrates their need for continuing improvement - that is why Rip-off Report feels you can be completely confident, safe and secure when doing business with them as a member of Rip-off Reports' Corporate Advocacy, Business Remediation & Customer Satisfaction Program.
RESULTS OF MAILING TO ALL THOSE WHO FILED A RIP-OFF REPORT
As a part of the Corporate Advocacy Program - Rip-off Report always emails everyone who filed a complaint letting them know, the company is ready to make things right.. whatever it takes. In this case, Rip-off Report sent an email to the one disgruntle employee who filed FIVE false Reports on Desert State Mortgage and I would now like to share the results with you.
The former employee did not respond and more importantly, Desert State Mortgage has never received a consumer complaint because of their high level of customer service and the philosophy of Customers for Life principle. It is Rip-off Report's philosophy that it is much more beneficial for the consumer to see how a company like Desert State Mortgage takes care of any negative press. (Today, in the 21st century, true or false .. we will all be blogged somewhere.) No company is without its share of problems, however, there are many companies who continually sweep those problems under the rug and never achieve the growth that other companies such as Desert State Mortgage enjoys.
WHY DID DESERT STATE MORTGAGE GET T FIVE REPORTS FILED ABOUT THEM? EMPLOYEE COMMITTED FRAUD, HE WAS THEN FIRED, THEN POSTED BOGUS REPORTS TO RETALIATE. INVESTIGATED BY STATE OF ARIZONA, DESERT STATE MORTGAGE WAS RIGHT TO FIRE THE EMPLOYEE..
An Desert State Mortgage, LLC employee was fired from DSM for violating Arizona Law. Pursuant to their employment agreement, the employee was owed no money. Despite these facts, DSM gratuitously offered to compensate the employee some money notwithstanding no legal obligation to do so. DSM's generosity was met with spite, whining and harassment. The employee felt that DSM failed to provide their gift fast enough, so he instituted a campaign of harassment against Raul Harris, Desert State Mortgage's President.
The employee worked for Desert State Mortgage, LLC until earlier 2008 when he was terminated by DSM. He was fired because he violated A.R.S 6-909(H). That statute entitled Prohibited Acts makes it unlawful for a person employed by mortgage broker to concurrently work for another mortgage broker, without the prior written approval of all licensed mortgage brokers. Here, the employee worked for DSM at the same time he was originating mortgage loans for Liberty One Mortgage. Such conduct is clear violation of Arizona law.
Furthermore, Arizona Department of Financial Institutions investigated this matter and found Desert State Mortgage, LLC acted appropriately in firing the employee. Please feel free to contact AZDFI (602)-255-4421 to verify their finding.
Desert State Mortgage, LLC shows leadership by joining the Corporate Advocacy Business Remediation and Customer Satisfaction Program.
Keep in mind, Desert State Mortgage has worked with thousands of clients and with only 5 employee Rip-off Reports to show for it. What really is amazing that despite Rip-off report appearing on most search engines right below Desert State Mortgage, their complaint ratio is less then one half of one percent. Rip-off report feels that this is significantly below the industry standard for the clientele that they work with. From our perspective, it is quite unusual for a company who has had so few complaints request on their own to be a part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Desert State Mortgage is showing leadership for other companies to follow that care about their clients.
ABOUT THE CORPORATE ADVOCACY PROGRAM
While Ripoff Report does not endorse any company, including Desert State Mortgage, overall, our research demonstrated to us that Desert State Mortgage is a solid, reliable company that stands behind its service.
Many companies that contact Ripoff Report make claims that the Reports about them are false, were filed by the same person or even a competitor. Yes, Ripoff Report knows this can happen from time to time; however, we know this is not true most of the time. From federal to local law enforcement agencies, most use Ripoff Report regularly. When Ripoff Report works with law enforcement to assist consumers, never once have we heard from any agency that the Reports filed had bogus contact information. These agencies include FBI, FTC, SEC, IRS, Homeland Security, US Postal Inspectors, Justice Department, local, state and Federal Prosecutors along with local law enforcement across the USA along with government agencies in more than eight other countries.
Rip-off Report does not solicit its Corporate Advocacy Business Remediation & Customer Satisfaction Program. Any participation in this program is completely voluntary and at the request of the program member.
This program requires the Member Business to agree to satisfy all complaints - past, present and in the future by contacting us at Rip-off Report or directly contacting the company.. .
The Member Business must also state improvements they are willing to make to their business which benefits the customer to avoid the reported problems from happening again in the future.
Anyone contacting the following e-mail address will get immediate attention. (within 3-5 business days, usually with in 24 to 48 hours) We ask that you contact Desert State Mortgage Customer Service: at [email protected]
RIP-OFF REPORT CHARTING NEW TERRITORY ..Consumers should feel confident and secure when doing business with member businesses.
..Remember, just because a company or individual is reported on Ripoff Report does not mean you should not do business with them. Use Rip-off Report information as a tool to your advantage. Be knowledgeable about any company or person you hire. Also, don't be afraid to ask questions and get additional information until you feel comfortable in allowing them to work for you.
Be sure to contact us with your questions and comments about any business that is part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Your questions, comments and suggestions are always welcome and will be considered even if we don't agree with them. Please realize Ripoff Report is chartering in new territory, working to make a change for both consumers and businesses alike.
Consumers can feel confident and secure when doing business with Desert State Mortgage, LLC.
Here's why. Desert State Mortgage made a commitment to and are a proud member of Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business ....
Sincerely, ED Magedson- Founder [email protected] www.ripoffreport.com
Rip-off Report PO Box 310 - Tempe, Arizona
U.S.A
