We had found the perfect home for us when we visited Idaho February 18, 2019 and made an offer. The sellers accepted our offer and we were put into contact with Nic Hurst employee of Geneva Financial. We were in contract as of February 18,2019.
Things were going well at first, documents were provided as Nic Hurst had asked for them. We officially moved to Idaho March 2, 2019 and lived in a studio while our new home was in escrow and being processed, so we thought. Our home in California was also on the market.
We continued to provide documents to Nic Hurst for the VA loan that we went with as before in California. Our home in California sold and closed early April 2019. We had informed Nic Hurst that we were putting $30K down on to this new home as a down payment from the sale of our home in California.
We had been informed by Nic Hurst that our home here in Idaho would close the follow day, not to worry as he had it covered. He did not complete the loan as promised, he did not lock in our rate with the VA on time, he did not get the appraisal out on time. It would take him hours to days to respond to text messages from us.
He would make every excuse in the book not to get back to us. Our Realtor Doug Kelly finally had to get his boss Jay Madison (branch manager for Geneva Financial) involved as our loan was not progressing. Thinking this would be handled and we would be able to close on time. Jay Madison called my husband and he explained the situation and how this loan should of not taken this long to close.
Jay Madison was informed of all the concerns we had and how this loan on our new home was not being processed. The VA rate was locked in 2 weeks prior to closing on this house which was too late and a horrible rate.
Jay Madison insured us he would handle this and it would be completed in a timely manner. Jay Madison informed us that our contract stated that we were to close April 19, 2019 the latest sooner if possible. Almost 2 weeks had passed and we finally got the green light to go to title to sign our papers to close, which was April 23, 2019.
My husband and I arrived to sign our paperwork April 23, 2019, upon reviewing it within 5 minutes of sitting down they were WRONG. They wanted almost $2,000.00 more on the day of signing by check. Jay Madison was called from the title company with our realtor Doug Kelly with us and was asked to make this right for us as it should not take this long and have had so many problems to close a home.
Jay Madison stated legally he can not do anything but change the documents to add the $2K into the sales price of the home and issue the CD all over again. My husband & I asked for his fees to be reduced, as this should of been caught way before the day of closing. He again stated he will not do that legally. His hands were tied and he made it quite clear it will not happen.
He resubmits the CD same day, April 23, 2019. We reviewed the new paperwork at 2pm via e-mail and again it is WRONG, the $30K we wired as a down payment was now reduced to $29,994.26 and the house payment had increased. Jay Madison was then called and rudely asked if he should cut us a check for the difference in the amount of $6.00.
Jay Madison was argumentative with us stating that the VA will not allow odd numbers and there are a lot of moving parts on this loan. LIES as we have had a VA loan in California. Again he was asked to reduce his fees not the federal fees but his broker fees to make this right with us. Again he refused and would not do this I have witnesses and text messages from Jay Madison refusing to make this right with us.
On April 24,2019 when we actually closed on this house they again changed the number of our down payment again from $30K to $28,050.00 and added fees into the contract that we did not agree to and or sign these new numbers. Jay Madison stated to us that he had to work the numbers to make it work. We explained again to him that we gave exact $30K not $28,050.00 or $29,994.26.
Jay Madison is NOT an upstanding business individual. He is a disgrace to this company. He does NOT have your best interest at heart. He is all about the Money. He even overcharged for a credit report. We were having to pay rent each day we did not close on our new home.
He had the nerve to text me the day of signing our paperwork stating that he knows I am frustrated but we could be good friends if I could get past this. No I do NOT need friends like this in my life. I DO NOT RECOMMEND ANYONE TO DO BUSINESS WITH GENEVA FINANCIAL. They will not get things done in a timely manner unless you have months to wait.
Geneva Financial, LLC. Reviews
We had found the perfect home for us when we visited Idaho February 18, 2019 and made an offer. The sellers accepted our offer and we were put into contact with Nic Hurst employee of Geneva Financial. We were in contract as of February 18,2019.
Things were going well at first, documents were provided as Nic Hurst had asked for them. We officially moved to Idaho March 2, 2019 and lived in a studio while our new home was in escrow and being processed, so we thought. Our home in California was also on the market.
We continued to provide documents to Nic Hurst for the VA loan that we went with as before in California. Our home in California sold and closed early April 2019. We had informed Nic Hurst that we were putting $30K down on to this new home as a down payment from the sale of our home in California.
We had been informed by Nic Hurst that our home here in Idaho would close the follow day, not to worry as he had it covered. He did not complete the loan as promised, he did not lock in our rate with the VA on time, he did not get the appraisal out on time. It would take him hours to days to respond to text messages from us.
He would make every excuse in the book not to get back to us. Our Realtor Doug Kelly finally had to get his boss Jay Madison (branch manager for Geneva Financial) involved as our loan was not progressing. Thinking this would be handled and we would be able to close on time. Jay Madison called my husband and he explained the situation and how this loan should of not taken this long to close.
Jay Madison was informed of all the concerns we had and how this loan on our new home was not being processed. The VA rate was locked in 2 weeks prior to closing on this house which was too late and a horrible rate.
Jay Madison insured us he would handle this and it would be completed in a timely manner. Jay Madison informed us that our contract stated that we were to close April 19, 2019 the latest sooner if possible. Almost 2 weeks had passed and we finally got the green light to go to title to sign our papers to close, which was April 23, 2019.
My husband and I arrived to sign our paperwork April 23, 2019, upon reviewing it within 5 minutes of sitting down they were WRONG. They wanted almost $2,000.00 more on the day of signing by check. Jay Madison was called from the title company with our realtor Doug Kelly with us and was asked to make this right for us as it should not take this long and have had so many problems to close a home.
Jay Madison stated legally he can not do anything but change the documents to add the $2K into the sales price of the home and issue the CD all over again. My husband & I asked for his fees to be reduced, as this should of been caught way before the day of closing. He again stated he will not do that legally. His hands were tied and he made it quite clear it will not happen.
He resubmits the CD same day, April 23, 2019. We reviewed the new paperwork at 2pm via e-mail and again it is WRONG, the $30K we wired as a down payment was now reduced to $29,994.26 and the house payment had increased. Jay Madison was then called and rudely asked if he should cut us a check for the difference in the amount of $6.00.
Jay Madison was argumentative with us stating that the VA will not allow odd numbers and there are a lot of moving parts on this loan. LIES as we have had a VA loan in California. Again he was asked to reduce his fees not the federal fees but his broker fees to make this right with us. Again he refused and would not do this I have witnesses and text messages from Jay Madison refusing to make this right with us.
On April 24,2019 when we actually closed on this house they again changed the number of our down payment again from $30K to $28,050.00 and added fees into the contract that we did not agree to and or sign these new numbers. Jay Madison stated to us that he had to work the numbers to make it work. We explained again to him that we gave exact $30K not $28,050.00 or $29,994.26.
Jay Madison is NOT an upstanding business individual. He is a disgrace to this company. He does NOT have your best interest at heart. He is all about the Money. He even overcharged for a credit report. We were having to pay rent each day we did not close on our new home.
He had the nerve to text me the day of signing our paperwork stating that he knows I am frustrated but we could be good friends if I could get past this. No I do NOT need friends like this in my life. I DO NOT RECOMMEND ANYONE TO DO BUSINESS WITH GENEVA FINANCIAL. They will not get things done in a timely manner unless you have months to wait.