Shore United Bank West St, Annapolis

This review is about the mortgage department. So, I had been working with Severn Bank for a mortgage on a home I just bought at the beginning of May. They were aware of my closing date well over a month before, and had already prequalified me and basically had me almost set because I had been under contract on a home before the one that I am in finally. This is my 2nd home purchase, and on my last home purchase, I had used a local bank. The first home mortgage had gone so smoothly, I just basically handed in the paperwork, and all was good through closing. Local bank #2... was a complete disaster. First, they decided 3 days before the closing date that they needed to 'verify my employment.' This is after working with them for over two months. How did they not get all the information already? Granted my situation was less than traditional, but I was relocating while staying with the same company, and all the paperwork reflected this. Now, with the current rules, home buyers are required to received a closing disclosure (CD) 3 full days before closing. So this 'issue' coming up 3 days before closing means I did not receive my CD on time. So the next day I was on and off the phone with them, trying to resolve these issues, but to no avail. Finally, the day before I was supposed to close, I showed up to their office, and basically had to grease the wheels. Everyone, particularly people in management, were all full of promises. As someone in management and in healthcare, if I promise something, it happens. Not at Severn Bank. I was told when I left that the CD would be sent the next day, but it didn't happen. Finally, on Friday, the day after I was supposed to close originally, and the last day to receive a CD in order to make my newly rescheduled closing happen I was told that I would not receive the CD until the following Monday. Mind you, they guaranteed to my real estate agent that this reschedule was going to happen. After being quite explicit about how upset I was, and apparently needing to explain how many people in this transaction they were messing with, they finally said that they would pull a favor and get it done. So I finally get the CD that Friday. Mostly looked good, except they had put the wrong mortgage product on it. Come to find out, even after spending 2 months with the mutual understanding that I was getting a 10% down no PMI mortgage, someone on a committee 'decided' to change my product without contacting either myself or my mortgage representative. Mind you, I already delayed once, and in a competitive market, I couldn't request to delay for a full month, so I had to follow through. When I asked if they still had the mortgage product listed for future customers, they said yes! BEWARE! Seems like there are a lot of false promises at this bank.

I recently bought a home. I found my self going to the bank like almost everyday , printing statements,getting certified checks etc. Everyone was so helpful made the processes so much easier .

I never been in this establishment, but I want to thank these heroes for having the time and temperature displayed 24/7 on the sign outside.