ClearPath Lending Reviews

I like ClearPath Lending. They sent a coupon in the mail and I was interested because I wanted to lower my mortgage. At that time, it was 1,500. And when the rep and I first spoke, it was 7.49, he said he could get it down to 5.45, and I was interested. At that time when we spoke, I had made four payments on my mortgage. And to do the application, I had to have made payment for six months. But he decided that he could still take all my information, I continued to make two more payments, not saying he guaranteed. But when he did the credit check, he gave me an update that I would be approved, and it took two months. But he was professional. He gave me his direct line. He would allow me to text him, take pictures, and send it through his text. Any question I had any time of the day except for after-hours of closing, I would feel free to give him a call.

We had a wonderful experience with ClearPath. We bought a house and it so happened that, when we went looking, the person that we were dealing with dealt with ClearPath. So, that was how we got them. We bought this house in 2019 and, after that, we lowered our interest rate. So, we refinanced. This time, we needed to do some upgrades to the house. So, we got a refinancing to do that. It was very quick and easy. They had a lot of our information already because we had done a refinance with them before. The people that they have working there that we deal with are phenomenal. They're fast and they keep in touch with you and I'm very happy. We dealt with Michael and he's very good. He gave me a list of what it is that I need in order to be able to do this.

I received ClearPath’s personal care and customer service, when they treated me nicely and did things according to their plan. I was working with someone else and we didn't complete our process. ClearPath gave me a call and I dropped who I had and went straight back to them. You feel so much more comfortable dealing with people you know and have done that type of job with before.

Nobody prepared me for having to go through all the stuff that I had to go through this last time with ClearPath. I didn't have to jump through a whole bunch of hoops the last few times. But this last time, I had to get the financing estimate and repairs to the house done. Getting paperwork together is one thing, but I had to go through and paint the exterior of the house and tear down a treehouse that I have in the back. There were a lot of people and different inspections that had to get done. This one was more stressful than it was initially to buy the house. When I bought the house, it only took a couple of months. This last refinance, it took six months.

I called ClearPath and they didn't call me back. I went with the first person I found and they ended up being another company, and they were not good. Right when I was ready to cancel the whole deal, a fellow named Long called me, returning the call to see if I had gone through with buying a house and all this other stuff. I told him what was going on. I asked him if I could legally switch. He said, "Yeah, do whatever you want. You're the consumer. They can't tell you what you can or can't do." I traded it to him. He has done more in three days, and they did it over a month. My closing date with the original company was November 11th. We're a week and a half to close, and he exceeded that date. We did it on November 1st. I was on the phone with him at 11:48 at night, trying to get the rate locked in because the rates are going up the next day. He finally got it locked in. He stayed up all night working to do that just because it's the kind of guy he is.

I was looking for a refinance with a lower rate and they got the best plan I thought for myself. They seemed friendly and knowledgeable. They were able to talk with me about what I was trying to do and what they were trying to do. It lowered my payment, but now I owe more than I ever did. They took the other loan and paid it out. I had to pay off the roof repair on the other one and it added 10,000 to it. They had to pick up what half they thought was worth when they financed it and added that to the total. But I knew that would happen.

Clearpath was good for me. The process took month and a half, which wasn't that long, and the reps were nice people. They kept me informed and I didn’t have to call them. They called and let me know everything that was going on, and I liked that.

ClearPath has a normal application process. They wanted to know how much my house is worth and how much cash I wanted to take out of it, and when I wanted to go to closing. The process took a couple of months, but that was because I was procrastinating. I would call one lender and then, I'd call ClearPath. Ultimately, it came down to the interest rates for moving and ClearPath had the best one going. Once I made up my mind, they were very quick. It was a little bit confusing because the guy I talked to at first had an aide, so she was answering more of my question. Then it seemed to me that I got a couple of other things with either texts or an email, and it was from somebody else.

I'm a ClearPath customer, and everything has been above board. The experience has been beautiful as well. It was easygoing, no hassle or problems, and the price is gonna remain the same. I got help.

They were very proactive. I had some concerns along the way, but they addressed and handled them all. One was my issue, but they were patient with me on that. My loan officer was cordial, friendly and professional. The application process went very smoothly. I was satisfied.