Lower reviews

To start off recruiters are all liars. They scope around LinkedIn looking for people who are looking for new opportunities and work this place up to be the best in the business. They will throw whatever comes to mind in hopes you stick and accept the job offer. I was told the company is growing and that there are no layoffs to come but after a lackluster of 2 weeks of training they started firing people a month in. You may think, oh 2 weeks is enough training to get the process going. What they don’t tell you before you onboard is that during the two weeks you get two one hour sessions of them going over what they assigned to read. To top that when you ask the trainer to explain something they literally run it through with no explanations. Back to the recruiters: I was told we would get to work four 10 hour shifts and get a 3 day weekend, that was a lie. I was told we would have a minimum 5-7 QUALIFIED leads, that was also a lie. The leads are all trash and they expect you to make lemonade out of garlic. Yeah doesn’t make sense. They said they pride themselves on work life balance to turnaround and say but you have to be available 24/7 to make sure we are keeping the clients and realtors happy. To go along with that 24/7 expectation, they also want you to use your personal cell phones in the attempt to make us available to the client whenever they please. They said we get 3 days of sick pay but failed to tell us we had to work for the company for 90 days. I would be very careful when speaking to these recruiters because all they want is that bonus after you agree and onboard. Now to the job itself: The metrics are unrealistic. They want you to meet a certain number of completed applications and pre qualifications, but also want you working on in contract clients. They are FAR away from being a Fintech company. I honestly felt like I was working on windows XP the whole time. There’s no automated application process and we had to take application over the phone which took on average 20-25 minutes. Then they want you to pre-qualify this application same day, but also maintaining the rest of your metrics and processing files. For you to even get an application you have to fight off your peers to steal a transfer call in hopes you get a lead. It’s literally a dog eat dog world and your peers are more than willing to steal a file from you regardless of how long you worked on it. And they have brain washed everyone to think that is okay. All in all this is a very terrible company with toxic culture where upper management could care less about their employees because they are more than willing to fire you if you don’t meet your weekly targets. No assistance on how to get better or warnings just straight cut throat.

There are a lot of Cons, but I will focus on the most relevant ones for now. Lead Quality - a great deal of the leads you talk to don't really want to refinance/purchase, they were just 'checking rates' and ended up bombarded with calls Lead Transfers - the SDRs who transfer leads are a great source of frustration. Many have no idea what they are doing, probably because Lower trains them for a day or two max. Once they are there for a while, they try to just transfer you any person that actually answers so they can inflate their stats, they absolutely don't care how much it hurts your sales prospects. They are making a transfer for the sake of making a transfer and it doesn't help anyone. Lead Amounts - there are often not that many of the low-quality leads available. There were multiple times management promised there would be a ton of leads, only to end up with very few, due to tech issues or whatever. I definitely stopped believing them after a while Tech Incompetence - for a company that pretends to be a Fintech (please mock this in the Friday meeting, I'll know ;-)) they cannot get tech installed, failed rollouts, systems constantly down, security issues, etc. etc. etc. Every company has this, I know, but it's definitely worse here. Management - many of the supervisors reached their position due to seniority with the company (started on day 1 assembling the Ikea desks - lol) or through sales performance. This does not make someone a good leader and if you work here you will certainly find out why! Deceit and Failed promises - after being told so many things that turned out not to be true, I stopped wondering if it was due to lies or incompetence, and honestly, I don't care anymore. Examples - there was an ill-advised hiring rush during 2020/2021. They told many people to "just come on as sales, if it doesn't work, we'll find something for you" - this turned out to be untrue. People who wanted to move to Ops were told no, and ended up leaving. Many hired on at this time expected to work there for a while as they said it was a "great job" with "great culture." But they ended up cutting them when the market changed or adjusting the standards to be so unreachable that they had a "reason" to lay them off. As mentioned before they said "we have a lot of great leads for you", also untrue. Another thing was the team they started that was focused on low margin loans. They lowered the commissions for those people, with the promise that they would be selling a ton, this never happened and many ended up leaving - yet another failed promise. Abuse of this site - this ties in to the above, but is blatantly deceit. they constantly try to pad the rating here with fake 5 star reviews. If you see a review that says "I can't think of any cons" or "too many pros to list", be assured it is fake. The rating has been decreasing, but it should really be a lot... Lower. Deceitful recruiting on other social media - another mortgage company laid off a bunch of employees over a video call and it became a big issue. Lower managers deceitfully acted like they cared about these people and were doing them a favor by offering a position with a "better" company. But Lower laid off a bunch of people the same way before this company did! They were acting like they were so caring, but they'd done the same thing.