CLM Mortgage, Inc. Wildwood Forest Dr, Spring

We decided that we were going to sell our first home back in July 2021. We looked at many builders and decided to go with this one particular builder that had Dena Miller as the loan officer. We did our pre-approval process in August and was approved on a new build. According to Dena, as long as we stayed on track with getting everything to her on time and continuing to work, we would not have any problems.  We submitted all requested documents to Dena and Candice(at that time was our loan processor). Everything something was requested; we submitted it at that time. We would reach out to Dena to confirm everything was going well, and she assured us that everything was fine. We were in good standing with DTI and had our down payment, bills were being paid on time, etc. Okay, so we SOLD our family home on November 8,2021, with confidence that everything was in order. Our new home was being built, and we were discussing how it would be decorated for our 4 girls. Then, we started to reach Dena and Melissa(new processor) because the calls had stopped and never returned when we would call in. NO ONE responded to emails, and if they did, it was outside of business hours, so we could not make phone contact. We knew guidelines had changed, which allowed us to be eligible for more money, and we wanted to confirm with Dena, and she did confirm but seemed to have never updated our file. She did inform us that due to the changes, our down payment was much lower, and again, we were on track with everything and to keep up the good work. We were unaware that our file was never updated, and although all the information was provided, they had never verified employment, although that was submitted in the beginning.  Our credit was run 3 times within 90 days, and  everything we gave was put aside. So, we became concerned and decided to look at other lenders. Our forever home is in the final stages and we find out that there was no way Dena got an approval for the start of build, not that we didn't make the money but no way at the time of approval we would have qualified to start our new build. She did not notify anyone at the builders' office about the file or anu updates! WE SOLD OUR HOME!!! We drove by our forever home with our girls 4 days a week to witness the progress. We did walk-ins with them, we took pictures, we laughed in excitement, and we picked rooms. This whole time, we were selling our kids a dream because our worst nightmare has come true, and the home is no longer ours. How do we tell our kids that we sold their home to move into another home, only to find out that we will be in this apartment until we are able to start all over with the process? We picked the perfect spot with the perfect view, just to have it all gone. We were on top of EVERYTHING! It is not acceptable that people like Dena and her team get to gamble with people's lives. We would still be in our home working on what needed to be done to get into our new home, but now we are HOMELESS, living in a 2 bedroom apartment trying to figure out our next steps. Yes, we could have started another contract, but we lost so much more in the process that it does not feel the same anymore. DENA MILLER AND HER TEAM has caused so much stress and heartache that she should be FIRED! NO WAY she she able to make decisions so important to the lives of others. She has ruined the home buying experience. We have not heard back from Dena AT ALL! How professional is that? It's definitely not star rated!

CLM Mortgage was our one-stop shop for our recent home refinance. Their attention to detail, professionalism and their online portal made the process smooth and easy. The entire process was perfect and we could not be happier. Mike and his team made us feel both comfortable and safe during our in-person closing during a world-wide pandemic. We are so thankful we went to CLM Mortgage for our refinancing needs!

From the very beginning of the loan process until closing, communication and customer service had been exceptional! I have purchased a few homes in my lifetime and will will say that CLM Mortgage is the best I have ever dealt with. They honestly made a dream come true, we love our Chesmar home. Thank you Dena Miller!

We are first time home buyers, im not sure how buying a house is supposed to go, but if its anything like how this comapny made it, we will never buy a home again. This company is HORRIBLE. They caused us so much stress and panic and they were very rude about it. They didn't do their job right, so when we were about 2 weeks out and locked in, smooth sailing ahead, we got a call saying we no longer qualified for that loan type and we had to come up with double the amount of money that we were originally told in less than 2 weeks. Then when we went to the construction comapny about covering closing costs, they told us no and stated they would just send us the termination paperwork since they had a line of people waiting for this house and willing to pay more than us for it since the price of the market went up after we locked in. This company was recommended to us by Chesmar homes, they were in it together the whole time. We were treated as if we didn't matter to them and we continually had to reach out to CLM to check everything since they never reached out to us. Additionally, they never got their numbers right. We would continually check the math and there was always something missing so we would have to go back and request that they fix it. This was a nightmare. I hope no one ever goes with this company. My husband and i do not reccomend at all. We were never treated like buying customers, we were taken lightly which was ridiculous considering how much money we were locking in with them. Please use your best judgment and shop around for your mortgage company. This one is not good.

I'm sure there's plenty of great employees at CLM, but Dena Miller is probably the worst Loan Officer there. She doesn't know what she's doing, and with the second opinion we got from another mortgage lender, they had no idea what she was doing either. Dena told us we were approved for a USDA loan for first time buyers. So we "locked in" to use her words. Two weeks later, she calls me way after 6:00pm to inform me that my wife and I made $500 too much to qualify and we needed to apply for a conventional loan instead. Second mortgage company said we made $10,000 too much. So they or we had no idea what kind of math Dena was doing... On top of that, none of Dena's assistants could get my wife's name right. Called her by a different first name and then spelt her last name wrong for every letter they send us now... The APR rate wasn't that different between the two loans, but we had to come up with over DOUBLE the amount we thought we were going to put down. After that point, Dena basically did nothing to help us. By the way, this deal fell through two weeks before our closing date. My wife and I love our new house, but Dena made it a nightmare to buy it. Buying a house, especially your first house, is supposed to be a very exciting time. Dena and her team almost completely sucked the joy out of this moment and ruined it for us. Again, if you have to go through CLM, request ANYBODY but Dena. I couldn't tell you if the other Loan Officers are any better, but I know Dena is the worst option for anybody. Especially people who are buying their first home. She put us on the back burner and didn't treat us like actual home buyers. So we got the short end of the stick with that one. When I'm spending hundreds of thousands of dollars, I want to be treated like a paying customer.

CLM Mortgage did a fantastic job with my loan. I was in the process of moving from 5 hours away, so timing was key. CLM nailed it out of the park, and everything went so smoothly and we closed on time. Dena and her team did a superb job, and I will recommend CLM Mortgage & Dena to everyone!

Going through CLM was my worst experience dealing with buying a home. I’m transitioning out of the military so I wanted to move closer to family and decided to go through Chesmar. I purchase a lot, designed a new home for me and my daughters, and sold my old home home. I did not hear back about the home for months, after sending emails. Finally I started hearing from Chesmar and later from a loan officer Mrs. Earls. I never received a correct estimate, what I received was difficult to understand. Some days I would get an email saying I will receive a call, I did not hear from anyone and always had to get back with me. Nothing was simple with this process. I explained to her my issue, she said no worries. I was later told I needed to send her all my paperwork in order to close on time before I even knew the closing date of NOV 20, 2020. I rush to get her all my documents and Veteran disability information. The next day I was told I do not qualify for a loan. Chesmar the same day called, I explained I will go through my bank who was waiting to hear back from me. I was told they will put the house up for show. I explained to them I had doctors appointments to attend, my bank will give me the loan for the home I just need a closing date a week later, from my bank. Chesmar was not willing to work with me and assist me with the home I designed for me and my girls that was looking forward to living in. I hope whoever purchase the home I had built for my family is just as happy as my girls was about living there, your welcome.

I had a great experience with CLM Mortgage. Everyone there was so helpful and guided me through the first time home buyer stress with ease. They really had my back and I give them thanks. Anyone who is looking to buy or refinance can't go wrong with CLM!

CLM was wonderful from beginning to end. Mike initially explained the process as well as what my approximate mortgage was going to be. Katie then kept me up to date throughout the entire process. Both Mike and Katie quickly emailed back answers to all questions I asked. Closing was then extremely smooth and the mortgage was the amount I anticipated.

Mike and The CLM Team have been very helpful on multiple purchases and re-finances. They are always super responsive and keep us up to speed through the entire process.