Planet Home Lending Reviews 1,360

PHL is DISHONEST! They called & said to refinance and it would cost $0! They gave us a deadline to sign! The deadline was when the property taxes were due! They fudged the date stating taxes weren't due until the next year! They used the $5,000+ we had in escrow to cover the refinancing cost! Now the payment is higher than it was to cover the deficit they created to pay the property taxes! RUN! RUN! RUN! Use any home lender besides PHL! Will be refinancing when possible to get out from under their lying thumbs!

Worst customer service I’ve ever experienced and I talk to many with my job.

Daniel Hunt was exceptional. He and the company made it so easy to refinance my home. Would recommend this company to all my friends and relatives.

If I did not have an excellent rate I would go elsewhere. Don’t send in an escrow shortage payment because they will lose it. Then you will have to call 5 times and email them the same documents 3 times and now, on the phone, AGAIN, for an hour, since nothing has been done.

Seth was accessible, knowledgeable, and just a great guy to talk to and work with. He helped us navigate our situation, understand when everything needed done, and even gave us reminders if we hadn't don't something yet. Really cant have asked for him to do anything more than he already did for us!

Great experience overall. David Herzog made it very smooth.

Highly recommend.

Very easy process and Shane & Karilyn made everything so smooth and they were very friendly and helpful as well.

The company is vicious and toxic. They fail to uphold any business practices given to them. They treat the customer in the most disrespectful manner as possible. If you ever have to speak customer service its like pulling teeth from a great white. Good luck with your loan if you ever get this company.

Great team. Valued professional advice and approach. Thank you.

What made my experience great was Chris, Tre and others kept me up date on the loan process. I was never in the dark.

I had a great experience working with planet home lending company. The whole process was smooth, fast, and very professional from start to finish. The team was helpful, responsive, and explained everything clearly, which made the process stress-free. I truly appreciate their excellent service and would definitely recommend them to anyone looking for a reliable lender. ⭐⭐⭐⭐⭐

Awful company. For the past 3 years, PHL has never paid our property taxes and have been sending us a check. Unbeknownst to us, our property taxes were never paid this year and now we have a late fee. Our check was sent to us this week and our property taxes were due end of December. Our income taxes are now being held until our property taxes are paid. Absolutely ridiculous. We will be contacting PHL and will be filing a complaint.

Pauline stays up to date on market conditions and local market trends. She is very prompt and concise in all communication. Great to work with.

Planet home Lending has been my lender for 2.5 years. I have never had a problem with anything working with them. I recently refinanced my home through them and the experience was great. Everything was very easy to do and I felt like my contribution to the process was nominal as the staff took care of so much of it. I was notified of every step and what to expect next. Things went smoothly and it did not take very long to get the process completed.

Absolute WORST EXPERIENCE out of any lending company I've ever had to deal with!!! If you can get anyone on the phone (highly unlikely...they will make you wait on hold forever and hang up on you. I have this recorded), you will still have to be transferred multiple times by people who barely speak English and don't know anything about anything.

I purchased my home 9 months ago and at that time the loan originator determined my house was not in a flood zone and did not require flood insurance, therefore it was not calculated into my escrow. A few months later the loan was sold to Planet Home and they independently decided flood insurance is required. I've sent them the Flood Certificate from my original paperwork (which they should've already had) as well as maps from FEMA and 2 insurance providers that all reflect Zone X. Planet Home force-placed an $18k flood policy on my home and backdated the premium to the start of the date they acquired it, making my mortgage go up an ADDITIONAL FOUR THOUSAND DOLLARS a month. Currently I am disputing the money they've already taken by way of auto-pay as well as having to pay for an engineer to certify my floodplain for no good reason. To top it off, they claim they sent advanced notice of this but I never received anything. Despite all of my communication preferences being set to electronic or phone they said they mailed it (uncertified) and did not call, email, or upload it to my customer portal. This is absolutely insane and should be illegal!!!!

I was a first time home buyer, and planet home lending made it such an easy, amazing process. I will be recommending this company to my family and friends. Thank you Planet Home Lending!

I received a letter in the US Postal service from Planet Home lending. All my notifications are set for email, not snail mail. Called in, got a customer service person with English as a second language. I explained the issued the best I could, stating I was on the website and I should be receiving notifications by mail. She repeated that I had to receive those statement in the paper mail. I stated again, the website gives the account owner to disable or enable notification and I wanted to disable them. She repeated the same answer she already gave me. I asked her how to disable paper statements, she stated I could not disable paper statements. I requested a supervisor - got the same stupid answer. Like I need to get in the mail a paper which states "you scheduled a payment for this day, we will take the money from your account on this day." Especially when I get it on the same day the payment is scheduled. I'm pretty sure I know the payment was scheduled because I am the only person authorized to make payments. DUH. I requested to speak to someone from IT, as it appeared to possibly be a website glitch, the supervised stated it wasn't and repeated the same garbage about "having" to receive certain notifications via paper statements. I asked why it stated on the website that I could disable that option, she had no answer. I stated that I had my loan for several years, never got a paper statement in the mail just for scheduling my monthly payment, so why now? This person told me that was NOT true, so basically stated I was lying. So again I as for someone who understood the website, someone from IT and was told they could not transfer me. What a company when the supervisors who answer customer inquiries don't know what they are talking about and accuse customers of lying.

Dear Sergey Rozkov,

Thank you for your professional assistance in arranging the mortgage loan. Thanks to your support and expert guidance, the entire process went smoothly and without unnecessary complications.

I truly appreciate your responsibility, promptness, and attentive approach. I highly recommend you as a reliable and knowledgeable specialist.

Sincerely,Tatyana Fedkina

Reading all of these other reviews, I am baffled anyone has anything positive to say about this company. Since they took over my mortgage I have had nothing but problems, with zero clear explanation why.

Edit: planet home lending reached out here asking for more info to help resolve any issues, I reached out 2 weeks ago with everything they wanted, and not a word in response.

Troy's knowledge and care was unmatched . We plan on reaching out again in the near future for additional financial services.