Kim Marin - Alameda Mortgage

A. Marin _{on Google}

Jan 17th, 2024

I met Kim and collaborated with her over lunch. I referred my daughter and son-in-law to her and she was able to make their homeownership dream come true. If you need a Realtor I also highly recommend Jesse her husband. This power couple gets the job done! Thank you so much Kim

Desirae Washington _{on Google}

Oct 12th, 2023

This is going to be a long one, but worth the read if youre considering lending with this company!!!
I started my relationship with Alameda mortgage almost a year ago now. I completed the entire application, provided all my documentation with one person, and then never heard back from him. It was a discouraging first step in an already daunting process. I was referred to someone else who seemed friendly and knowledgeable. I found my house, made an offer and got it accepted relatively quickly. I was so excited. I missed the first call from Alameda, but tried to call back for 4 straight days before I finally got a call back. By then interest rates, which were already high, had gone up to an all time high of 7%. I was advised to lock that in as they would likely increase. A day or so later they dropped. I was locked in and there was nothing I could do.
It always felt like we were several steps behind on the lending process. They would tell me one thing and it would be another. Their app was faulty and I would get a notice to complete something, but it wouldnt open. Communication was sparse and when inevitably something did not go as it should, it was somehow always my fault and they were supposedly waiting on me. They had miscalculated my income early, and also were missing documentation that honestly they as the professionals should have caught earlier. My closing date was changed multiple times. At one point they told me I could buy my rate down, only to tell me 2 days later that it wasnt actually possible. Some of these things Im sure cant be controlled, but the fact that it was constant, and the communication was bad, made the process so maddening. And they only apologized when the error was so glaring it couldnt be excused.
I was blessed with a great seller who paid my closing costs. While we were negotiating that, one of the ladies from alameda accidentally forwarded my appraisal that said great news the house is valued over the selling price! That could have completely derailed the things I was asking for but luckily didnt. I was so happy when things were over, and felt so grateful for the sellers generosity, that I decided to pay it forward and not to leave the scathing review I had planned. Unbelievably, these people called me a few months later telling me that they had messed up during the underwriting process and they needed me to bring in a check for $386!!! The guy said verbatim we need to resolve this or we cant sell your loan. Are you kidding? I had finally had it and I went off and told them it would be a cold day in hell before I brought in that check. Even after expressing that I would like a call from upper management to talk about the horrible experience I had, I didnt hear back from them for months. When they called they didnt ask anything at all about my experience, but told me that they heard that it was bad. They said they wanted to refinance my house for me and would pay all the costs to do so. Seemed kinda sketchy, but finally some good news!!! I sent in all my documentation and filled out the 87,000 page application. They ran my credit which did actually drop my score some. And then, THEY GHOSTED ME!!! I finally got a call back after I mentioned that I was planning to seek legal counsel, which I still am. I am now approaching winter with a roof that needs to be replaced. Thinking I was refinancing I did not take the steps to get lending for my roof because I thought I was in the middle of a refi. I honestly cant believe the experience was this bad. This company is THE ABSOLUTE WORST. DO NOT WORK WITH THEM.
Also I wouldnt be surprised if the reviews they have are fake. People definitely buy reviews, but and Ive heard enough negative feedback talking about my experiences that I highly doubt theyve had zero bad reviews.

David Suarez _{on Google}

Jul 7th, 2023

Alameda Mortgage Corporation has amazing personal that cares for others to make their dreams come true. Adrianne was wonderful and her team made it so easy from start to finish.
Thank you