C & T Mortgage, Inc. in Cypress, Texas

We just closed today and I can't say enough good things about C&T, and especially Stephanie. She guided us through everything and made the whole process efficient and painless. She was there every step of the way to answer any questions and deal with any issues and kept the whole process very transparent. We went through several offers and several changes and she was always there and always available for whatever we needed. If you are going to go through the home buying process, you definitely want a professional like Stephanie and a company like C&T in your corner!

It pained me to type this because I didn’t want to. I hate sharing bad experiences but this was one that we were not going to brush under the rug. I actually waited a few weeks to post this review so it wouldn’t be typed out of anger. We were given the green light to go under contract for a home that we had no business going under contract for. He wanted us to pay for credit repair every month instead of doing the hard work of going through and seeing which items were causing a negative affect on reports that needed to be taken care of. He didn’t do a thorough job of handling our application and we were the unfortunate victims of his carelessness. He never ran my credit to consider my debt before allowing us do a purchase agreement with us being in a community property state. I had to find that info out on my own.. this killed our DTI and the home would be too much. We sent emails and numerous calls once figured this out and he began to ignore us along with his assistant who I won’t name. It was literally WEEKS before we would hear back. We read good reviews and researched and were dumbfounded by the treatment and the situation. What was it about us that caused such carelessness? Why us? No apology or anything.. We were fine with not being able to close on that home or waiting all together. What made it so bad was there was no responsibility taken or even an apology.. leaving our realtor and us to fend for ourselves after being placed in the situation. Eventually, we accepted the loss and cancelled the purchase agreement losing $2000 on our first ever home buying experience. I hope no one ever has to go through what we did. The experience was an absolute nightmare.

This is the second mortgage Carrie has helped my family with. I hope we do not need a third but there is absolutely no doubt who we will use. Carrie does everything she promises. She always keeps up to date with the process and will answer any call, text or e-mail in a rapid fashion. I could not give Carrie a higher recommendation. I think she is the absolute best.

Lauren Dauzat... use her. She's amazing and was always available! I could text her a question at 9 at night before bed on a weekday and she was there for me. She was sure to answer everything and laid it all out smoothly. We had a rushed close because Rocket Mortgage screwed my husband and I over (Never use them!!). They were terrible, and delayed our closing by not disclosing important information to us. Bad communication. And then once our rate was no longer fixed, they up charged us and had many fees. Nevertheless, I'm thankful it happened because we recieved a lower interest rate then I ever thought we could get with C&T and no extra fees. C&T Mortgage saved us and allowed me to close on my dream home

Our experience with C&T Mortgage, particularly Mark, was one my wife and I hate hate we had to experience. Thankfully, our realtor helped calm our nerves and guide us through the experience. This was our first time home buying and we ultimately lost 2k in earnest money due to carelessness with the loan officer. Our credit reports weren’t looked at throughly and we were advised to go under contract for a home without any type of qualification or approval. He never ran my wife’s credit to consider her debt although we’re in a community property state before advising us it was ok to do a purchase agreement. He instead encouraged us to sign up for expensive credit repair programs to dispute debt instead of taking an honest look at what we needed to work on. The programs were $300 up front with $100 a month thereafter.. We signed up for programs that weren’t needed and was completely ignored when the problems were questioned. No call backs or emails for weeks after we were advised it was okay to go under an agreement for a house. Our realtor couldn’t even get in contact. He completely ignored all of our calls and emails for weeks. We ultimately gave up and called it a loss... never received an apology or anything. It pained me the most to see my wife stress about it all for her experience buying a home. Our experience didn’t add up to what everyone else claimed theirs were. I wouldn’t wish the experience we had with this company on my worst enemy.