Avelino Gfw
map-marker New Baltimore, Michigan

6 month's of wasted time!!

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After wasting $$ in appraisal fees and other such, over more than 6 months to close a simple refi to get a better interest rate, no cash out or anything complicated, I have nothing to show for it. Chris Wilson was the first to work on this and never called or contacted me with updates as he said he would. He even failed to send my payment info to the appraisal company and wasted almost 2 weeks, then he actually spoke extremely poorly to me after I called his manager to complain. Things started to progress, but there was a constant issues with him not following up. After nearly 5 months and several complaints I was told he and his manager we no longer involved and my loan was taken over by Clayton Kendrick, a supposed senior loan officer. After a few weeks of him having to have me resubmit all of my forms and proofs he either up and quit or was fired. It is now to the point where interest rates have risen and I have no option to refi due this companies ungodly and gross negligence and incompetence. I am a person who has positive equity and an excellent credit rating.. this should have been easy and quick... instead they completely screwed me out of time and money!!! Do well to stay far clear from this joke of a company!!!!!
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Reason of review:
Poor customer service

Preferred solution: Full refund

1 comment

I agree, went through 3 months of ***! Less than 24 hours to close they said their underwriter found something in my credit report!

I had the closing check in hand and signed all the paper work and was told by my realtor and mortgage agent I was good to go!

Run!!! They are very bad people in the Ann Arbor Office!

Abimael Zst
map-marker Dearborn Heights, Michigan

Gold Star Mortage of Ann Arbor uses bait and switch

I used this brokerage firm to Finance a VA home loan. The deal was negotiated; the good faith estimate from the broker showed me receiving back $150 at closing However if we didn’t close within the agreed upon time I would have to pay a penalty of $100 per day until we closed, which the broker was aware of. The broker pushed back the closing date several times incurring the penalty, (he couldn’t get the VA paperwork right) then waited until 22 hours before closing to tell me that I would need to bring $1200 to closing and additionally my monthly payment would increase by almost $100, as he had used inaccurate figures to figure the property taxes. By his own account he had known about cost and increase for at least a week. I talked with the broker’s boss and received a song and dance about the firm didn’t know until 3pm the day before closing when doing the “settlement statement” that they discovered the change. He assured me the figures were accurate. When asked about why his broker would wait until the 11th hour (almost literally) to mention a $1200 disparity and the monthly payment increasing by $100 he needed to get off the phone to talk to the broker. He later called back and offered me $150 for my “inconvenience”, what an insult! How about a week back to renegotiate a better deal with the seller? Thank goodness the seller seen what seen what was going on, took pity on me and waived the penalty
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A mortgage company has an obligation to exercise "due care" and "diligence" representing consumers.

State GOV regulatory agency such as the Minnesota Commerce Dept takes these complaints very seriously and will bring enforcement action when lack of "due care" is exposed.

No Broker wants to invite scrutiny from .Gov enforcement agents as the mere process to defend themselves is tedious and time consuming and places their license to do business at high risk.

Perform a Google Search specific to your state for the .gov licensing and file a complaint. They are eager to assist consumers when brokers abuse their clients.


Terrible, terrible service. They will drag you along as long as possible and make claims that things will get done that day.

Then, weeks later, you call back and get someone else who says they never started the paperwork for your promised services. They also always overestimate what they can get you then when you are ready to sign it is way lower than expected. Happened many times over several months.

Do yourself a favor and go elsewhere. They simply say anything to appease people but do nothing.

Abimael Zst
reply icon Replying to comment of Guest-947205

Been so long that I actually forgot about this review of Gold star. I would like to add now with 7 years and 3 additional mortgage transactions under my belt I have to say that Gold Star was the WORSE I've dealt with.

The mortgage representative was disorganized, didn't have accurate information and had a last minute mentality that kept me having to jump through hoops to secure that mortgage.

I guess if you don't mind taking time off work to run to the bank to pull funds because they it "within 24 hours" or getting documents, working with inaccurate or half information (polite way of saying BS), they might not seem so bad.


We had the absolute BEST experience working with GoldStar! Our rep was informative, kind, took a legitimate interest in us, was constantly available and just went so far above and beyond to help us out that I had to share my positive experience.

We had a nightmare of a real estate transaction (related to the seller, not GSM) and our rep at GoldStar was truly amazing. He would check in with us, make sure we had all the documentation we needed, etc. He went to bat for us when we were paying for a rate lock so we could get additional days without having to pay for them when things were delayed that were completely out of our control.

He was incredible, and I cannot recommend this company enough!

If you need a great rep, contact James Blaha at the Ann Arbor office!


I was going with Gold Star Mortgage but will go with a reputable mortgage company. I'd rather pay a higher interest rate than deal with the headaches.


Yes, Goldstar makes a lot of money. Their rates are low but they are *** I have met these people they looked like a bunch of strip club bouncers.

Honestly I doubt any of them graduated college. They told me five days prior to closing that they couldn't do my mortgage bc they were soooo busy. We had to use someone w higher rates. We almost lost the house.

The owner is a Russian immigrant with the morals of Putin. He is a demure man w a Napoleon complex.

All they care about is $$$$. Use a good American firm, don't trust these Ruskie liars.


I almost made the mistake of using this bunch of clowns. I kept getting non-answers to my questions or double talk answers, like "Steve's" posting below (even after appraisal and VA approval), Thanks to all who had the courage to post here I found it just wasn't "me" having funny thoughts.

I bailed on Goldstar went through a different firm and the difference was night and day. Again thanks to all!


I totally agree!!!!! ITS JUST REALLY BAD BUSINESS!

Buying a home exspecially your first home should be exciting and a bit stressful all at the same time. Not so stressful than you can't even sleep at night because you have already had one deal fall though after a month and we were already thinking how we would make the house a home for us and our children. But we picked our selves up n started searching again! Then to find another house that we adored more than the first.

Put in an offer signed a purchase agreement went though an apprasial and insection. Told we would be in for Christmas :) we were we were giving many different closing dates and still have yet to close! We have spent thousands we have everything there we have a down payment a locked monthly payment. N now after we thought it was going to title writes.

We had to sign an ext it still with the underwriter. Mine you this is the 2nd underwriter we have used! i am watching what I say as we have yet to close, but now the house is having showings AGAIN. N if this ext runs out the dealine is next week I know we loss another home!

I am beyond mad and heart broken!

If things change I will be glad to repost but if they keeping going this way we have lost yet another home without even living in! :cry


This company is nothing but a ripe off!!!!

America don't get a mortgage loan from here

Your wasting your time and your money?


I was employed by this company and they made up so much lies about my employment start date after speaking to this person by name of Michael whitbeck he had the nerve to be very very disrespectful over the phone and in person at there corporate headquarters, I didn't know this man is a liar. As what I heard people in new York that this need to be fired and he also have away to forget things.....

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