Home Trust Fixed Mortgage Consumer Reviews

Their pre-payment penalty was over $10,000 - we would have happily stayed with them, BUT they couldn't offer us the mortgage we needed, went from a residential to a commercial.
They also quoted $5,000 on the phone and right before closing we had to come up with another $5,000 because they forgot the fees.
They were OK to deal with, but they are a B lenders. They got us where we needed to be, so we can pick and choose A lenders, but our loyalty through two mortgages was not worth anything to them.

I lost my job and due to the Covid-19, it was hard for me to find another job. I called in HomeTrust to get some payment deferral. They deferral one payment and they refuse to do another. They were so rude! They made it sound like we're begging them for something they made me feel so bad that I don't even want to call them back but I regret having a mortgage with that company... I recommend nobody use them.

I have asked numerous times for rates, fees and costs. They have been consistent in either not giving me the information I've requested or giving me inaccurate information. Seriously go to a loan shark, you'll get a better deal and way more transparency. These guys make me never want another mortgage in my life!

During this pandemic situation, banks are deferring payments for 6 months. Home Trust does not defer payments. They state on their website that they offer assistance but that is not true. I submitted my request for deferring assistance and received a letter stating that they would defer my April payment since I had no funds available pay and that I must may my following monthly payments plus my missed payment for April payment. They stated, "we do not offer skip or defer payment plans". Absolutely terrible response for my plea for help. I am a loyal customer who never missed a payment. I will be transferring my mortgage to one of the major banks who seems to support their customers when they need help.

Hometrust is the worst place to get a mortgage from, they will do anything to charge you as many fees as they can, they won't be upfront about it and their staff won't be able to explain what the fees are. They treat their clients terribly, they are insulting and condescending. I have several properties, one of which is with Hometrust for one year (and not a day longer if I can help it), and I have never been treated so poorly as I have with them. Avoid them at all costs, they will rip you off many times over! Never again.

Refused to give a mortgage assumption even with stellar credit and steady income. Then said they would do a new mortgage, only offered %65 of what was needed. They are crooks! Not to mention wanted to raise rates like crazy!!! They will only give mortgages to high-risk clients to make money off of them! Avoid!!!