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July 2021 by Brett Nehls
I could not have had a worse experience with John.We had multiple offers on our home and negotiated the close date as part of the agreement. All parties involved then signed dozens of documents agreeing to the parameters.And then John Kulwicki blew all of that up. I struggle to think of a time where I've worked with a more disorganized, uncommunicative procrastinator in my life. Oh, and he's also a compulsive liar. All great qualities in a mortgage lender!For what is usually the biggest financial transaction of a person's life, one would imagine that there would be constant communication and that things would be on an incredibly tight timeline.In reality, John has zero conscience about hundreds of thousands of dollars being at stake for you or me. He's interested in taking on as many loans as possible so that he can make every last dollar. John takes on so many loans that he doesn't even have the time to return a phone call, text or email. But rest assured, when I called him for the very first time, he answered right away. He didn't know my number, and in his eyes, it could have been, yet, another new sale! But when my realtor or the buyer's realtor reached out? Crickets.John knows from the beginning that he will inevitably have to ask for extensions. At that point in the process, he holds all of the leverage. The buyer and seller would rather extend a few days than to have to start the entire process over.But back to the original point: we all signed contracts with very specific details. For a reason. We all scheduled moving trucks, took loans from people, racked up credit cards, packed up our homes, started and stopped utility bills, etc. ON A TIMELINE.None of that matters to John. He makes his money and moves onto the next one. Here's one lie of many that we were told: "This is the first loan I've had go like this in 25 years!" Well, it certainly looks like the review from Jerry Lucy was a carbon copy of this one.My call with John lasted less than 5 minutes and he could not stop lying the entire time we were talking. He's a fast talking used car salesman: don't fall for it. Use any other lender and you'll be better off.
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July 2021 by Brett N.
Why 1 star? Because John Kulwicki's communication was atrocious. --- --- --- I have penned nearly 2,700 reviews as of this writing and this is only the 17th time I've rated something 1-star. It takes a pretty awful experience for me to give the lowest rating possible, but this was, indeed, a pretty awful experience. If you've ever been through the process of closing on a mortgage, you know that it's a stressful experience. You have to sign what feels like approximately 5,000 documents that legally bind you to every precise detail of what's agreed upon. But John apparently did not have much interest in those details. And unfortunately, John had all of the leverage as the buyer's lender. All parties involved had to sit around and wait for him to close the loan on his schedule. Between my realtor in Florida, my realtor in Texas, the buyer's realtor and the title company, I would estimate that John responded to calls/emails/texts about 5% of the time. I know first-hand that the communication with my realtors was virtually zero. We had multiple offers on our home. We specifically took the offer with this particular buyer because they agreed to close on a certain date. Throughout the process, my realtor would follow up with John to check on the status of the loan. And as mentioned, we received radio silence in return. But then suddenly, when we were only a couple days away from closing, John finally reaches out, just to say that he won't be able to close on time. He says he has too many loans right now and is just too busy. So the question is, John: why did you agree to take on this loan if you couldn't close by the agreed upon date? By the time this loan was actually done, we provided two deadline extensions and were subject to these lies from John, that just came up in the final two days: 1) This has never happened to me in 25 years. 2) We could have closed on time if the title company answered their phone. 3) I've been working for the past 48 hours straight on this loan. 4) My buyer is at the bank right now attempting to wire money, but your client did not sign the extension. (We signed immediately the day before and his client was not at the bank, it turns out). I'm certain there would be more, but it's easy to avoid lying when you just say nothing at all. The most frustrating part of this process for me was the aforementioned leverage. Both of my realtors cautioned me not to reach out directly to him to complain, because it could result in him taking even longer to close just out of spite. So while I am thrilled Yelp is around to lift up great local businesses, I am also very grateful that Yelp is around to level the playing field and warn others about very poorly run businesses, that otherwise would have continued operating in an unchecked manner if it weren't for the accountability of public feedback. I hope this warning is seen by as many people as possible before using John as your lender. No communication throughout the process and delays because of that lack of communication made this an absolutely terrible experience and I hope no one else has to go through the same thing.
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August 2020 by Jerry Lucy
6 weeks and still has not even tried to start the process. Poor communication and excuses that he is too busy. Guess this is a case where bigger is better. If you are trying to do a refi don't bother go to a major company .
