Contacted Mark because a friend of mine recommended Cohen Financial for a HELOC.
After a brief call with Mark he asked me to email over some tax info, which I did promptly for his review to to see if we’d qualify.
The next day I got an email saying he could do the loan and also received a hard credit inquiry notice from Credit Karma telling me they pulled my credit.
I was surprised, so I emailed him immediately asking if he had authorized my credit to be pulled, as I had not discussed this with him.
He literally pulled my social security number off my tax info and submitted it without asking me. Wow!
But… He said he’d be willing to do the loan, so no big deal? Right? Wrong!
Mark forgot to ask me which STATE our home was in… Whoops! He didn’t even have the ability to help us if he wanted to.
I ended up emailing him one last time to see if there was anything we could do and he immediately asked me to jump on a call.
On the call, he proceeded to review everything AGAIN and tell me he COULD do the loan… Not realizing AGAIN that I lived in a different state. Madness!
Not to mention I am now stuck with a worthless hard credit inquiry on my credit report.
Be warned about these “yes men” who don’t have any attention to detail.
Are you sure you want to sign a mortgage with people who can’t bother to lookup the state you live in, or ask permission to pull a credit report?