Perl Mortgage

The Worst Experiences

I cannot speak for entire Perl Mortgage but I can speak to my lender, Daniel Chookaszian, who might fall under one of the worst people I have ever done business with.

In my opinion, Dan was probably good at his job at some point or he wouldn’t have been able to build a team around him, but hes clearly been in the game for way too long and has gotten lazy.

He lives off of referrals and really doesn’t care about who he represents anymore once they sign the dotted line. It’s pretty pathetic.

I should have known to not to go with him when he was over 30 minutes late to our first and second meeting.

He had several excuses each time which I let go because I am also in sales and understand things come up. He was SUPER salesy!

He talked and talked about how “I want to be your lender” “What lender sits with you for an hour one on one (really 1/2 hour because he was late both times)” Then asks over and over “I’m not salesy am i?” “I want to give you that personal experience”.

He seems very in-genuine from the start but I really didn’t have a choice because I’d already found a place and needed to move forward, this is my only regret through this process.

After we decided my dad was going to be on the loan, Dan called me up to tell me that my dad has a lot of money.

It was SO weird and tacky and quite frankly, it’s not my business what my dad makes.

Is this what Dan does all day instead of work? Look at everyone’s income? It was so awkward and made me feel incredibly uncomfortable, as well as my dad, when I shared that with him.

Not only did Dan fall off the face of the earth after we signed our loan documents, he consistently over promised and under delivered with deadlines.

He would say he’d have something done, not get it done, then fall off the face of the earth, get it to us several days later and act like a hero for doing it, like we should be proud. He told us he has a 4 hour time response window for emails.

Our emails went sometimes up to a week being ignored, even with 4-5 follow up emails.

Him and his team asked us for things two days before the CLC was due. (which we extended 3 times because they couldn’t get it together on time) Why couldn’t they have asked us a month and a half ago when they knew we needed them?

Dan and his team didn’t make just little mistakes, they were large and could have cost us the entire deal.

Dan has the tendency to blame every single person around him but himself.

He went out of the country the day our CLC letter was due and told no one besides my realtor because he asked.

Thank god my realtor was so great or this would have never closed.

They told us we could write a cashiers check or wire money.

They said wiring money is easier but we can do both (I have proof because Dan continues to deny the truth).

When we decided to go with cashiers checks, we emailed Dan and his team letting them know, there was about 8 people on the email and we received no response.

The next day at 9pm (the night before closing at 9:00 am the next morning) my lawyer calls me in a panic saying why would the lender let you do that?! You cant do cashiers check for over 50k. Once again, Dan and his team blew it.

When I called Dan he said it “is no big deal and people make exceptions all the time and he’ll get back to me.

I had to pester him several times to even get a response to which he later says “this will be a problem with you, we advised you to wire” This made me so upset.

They told us we could do both, then we emailed them two days prior letting them know we have cashiers checks in hand and they said nothing!

Once again, he is blaming others and the others are now the clients! Dan has no idea how to just admit he was at fault.

When I told him hes insulting me, he replied “my team made a mistake” blaming his TEAM not him and still not apologizing!

I honestly could go on and on and on about everything he did wrong or didn’t do at all.

Happy to provide documents to his boss, as I’m sure once he reads this he will blame others and deny it but I saved every single piece of communication because I am not a liar.

In my opinion, I think Dan didn’t like us because we made him work and asked tough questions that most people don’t, which he’s not used to doing, and that he tried to sabotage the entire thing.

Dan was well aware that we were closing at 9am friday and needed the docs to the condo management by 2p friday so I could move in (with the movers already scheduled) Saturday.

Yet, he didn’t care. He delayed our closing so much that the Title Company gave us the docs without the money wire because he felt so bad for us!

Dan managed to turn something that should be fun and joyful to one of the worst experiences in my entire life.

He caused me so much lost sleep and anxiety. I will be contacting his boss.

Here’s my advice: STAY AWAY! Oh and they sold my loan before i even got to closing ha

Is Perl Mortgage legit?
Perl Mortgage is not a legit business owner or provider. They are not aggressive towards their customer satisfaction and complaint grievance, and hence 4 consumer(s) was/were given a Perl Mortgage as a negative rating, and only a few left positive feedbacks.
Where is Perl Mortgage located?
Perl Mortgage is headquarted at 101 W Grand Ave Ste 504 Chicago, IL 60654. We do not have any affiliation with the better business bureau or yelp reviews platform. You can contact Perl Mortgage by dialing (312) 377-1706 or visit their website
How much monetary loss is incurred by Perl Mortgage’s customers?
According to the reviews posted by Perl Mortgage’s customers, US $3214 was the total loss incurred, and hence the severity of the scam is high.

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4 Reviews on Perl Mortgage

  1. she's also dedicated at what she does--and that is an understatement!

    As I was beginning to look for properties, my realtor referred Pamela Harambasic and said to contact her. Thank goodness I did! I’ve got nothing but praises for Pamela since she was very helpful from start to finish!

    I was all new to the homeownership process but she was able to patiently explain all my queries and guided me on the required documentations. Not only is she professional, she’s also dedicated at what she does–and that is an understatement!

  2. Pam met with us for coffee in our neighborhood and walked us through the details of the process for home buying.

    About two months ago my spouse and I were deciding whether we would buy a place or continue to rent, so my sister who had worked with Perl Mortgage in the past and had a good experience, recommended that I reach out to this company.

    After doing some research, I came across Pam Harambasic’s name on the internet and decided to reach out to her to ask some questions and to find out whether we (as potential first time buyers) would qualify for a loan.

    Since we had not gone through this process before, my spouse and I were unsure of what to ask or even how to get started. When we initially spoke to Pam over the phone the first things that stood out was that she was very personable and knowledgeable, which put us at ease and help to guide us towards our decision to buy rather than continue to rent.

    Pam met with us for coffee in our neighborhood and walked us through the details of the process for home buying. What my spouse and I enjoyed, was that she not only dealt with the business of applying for a home loan, but she also took the time to get to know us and to allow us to know a little bit about her, which helped build trust and made us confident that we had partnered with the right person to take us through this process.

  3. I understand the process can be tedious.

    I understand the process can be tedious. After reading a Terry Savage Chicago Sun Times newspaper article, we felt that Daniel Chookaszian was, if not the best, one of the best in handling the VA loan process. We had never taken advantage of the VA loan and wanted to on our next purchase. We first contacted Dan in, but decided not to sale our home and proceed with a VA purchase at that time.

    However in 2014 we decided that the time was right to sale and buy another house. Dan was now working for PERL Mortgage. We were not as focused on the company as we were on Dan. We proceeded to do the loan application and had the preapproval (we both had excellent credit scores, steady income, and funds available) right away. When we finalized the contract with the sellers we were given a closing date of November 14.

    The date was agreeable, but yet close for us to be prepared for Thanksgiving guests that we had planned for the year before. As we approached the 14th, Dan advised us that we needed an extension for November 21.

    At the closing of the current residence we agreed to pay a daily rent through the 21st and there after a rate that was more than doubled. We were not majorly concern because we had believed that Dan was given us reasonable information.

  4. Scammer

    I’m not sure about all the rave reviews about Perl Mortgage?? My experience was totally different. The ineptitude of Perl’s finance team leaves me shaking my head. I spoke with Rudy to start, and I will say that he was always courteous and friendly.

    From the start his attitude was that this is going to be quick and painless, which is what you want when trying to close on a house. He knew my situation from the start, a little less than a year at my current full time job following about 5 years of semiretirement, 800 + credit score ,

    IRA’s totaling just south of $400k, debt to income ratio of 5 to 10 percent. We were trying to get a 10 year note on an $80k fixer upper. Had the 20% down plus Perl’s inflated closing cost estimate of around $8k to $9k.

Reported Loss :3214 $
Severity of Scam :High
Reported by : Anonymous
Views :