Ray Hicks - NMLS # 2105672

Karen M. 

Verified by Churchill Mortgage

a year ago

When the last week before closing, we were sent several CDs with inaccurate information that we had to keep signing, even though they weren’t final, and we had to wait until the day of closing to get the actual closing amount which delayed things at the bank. 

Charlotte T. 

Verified by Churchill Mortgage

2 years ago

Some of the numbers on the final estimate changed. Ray attempted to provide an explanation but that delayed the signing and the notary with me grew impatient about having to wait for me to sign. It would be helpful to have a representative from Churchill who could meet remotely during the closing to answer any questions. Also, I would have appreciated advance notice that a wire transfer was required for the cash at closing. I initially wrote a check and then was informed the next day that a wire payment was required. I had ... read more

James P. 

Verified by Churchill Mortgage

3 years ago

The communication at times wasn’t great. I was often left little information as to how the loan was progressing or if it even was progressing. I used Churchill because Dave Ramsey said that they were the company to use for manual underwriting. I discovered that although I had 0 credit (as Dave recommended), a 70% down payment and verifiable lines of consumer credit, I was still going to have a arduous process to get to closing. 

Jay J. 

Verified by Churchill Mortgage

4 years ago

Dealing with Ray Hicks from the beginning was great. He was helpful and we hit it off from the beginning as professional and I say as friends. But I was not happy with the underwriters and the screwups they caused.