The process of buying a home with Box seemed great at first but turned into a nightmare. The rate was good and they promised to close within the 35 days we had agreed upon with the buyer in the contract.

They continued to say this up until 2 weeks to close and at which point they told us they neglected to schedule an appraisal, which now could not be scheduled until after the closing. This was followed by a scramble in which the loan officer at one point asked if i could find an appraiser for them (totally unprofessional). They scrambled and were able to get a appraisal done, but the problems continued from there.

Two days before we were scheduled to close the Company finally got around to reviewing our documents we had provided within the first week of the financing process. They began making additional requests including support for transfers that they could have seen from the beginning, which caused my family to take time off work to get the remaining documents necessary. Even after we worked hard to get the documents requested, more documents were needed due to errors on the underwriters side.
In the end we were told it would be impossible to close on time, and we would not be conforming to the contract terms with the seller (i.e. we could have lost the house). After a lot of back and forth and many phone calls we finally got a manger to push through the clear to close. However the issues did not stop there.

The Company did not know the closing rules in Washington vs. Utah both states which they are have licences. What they called "Closing" was not sufficient to meet the requirements for Washington, and we at the last minute needed to request an extension from the seller. Again we could have lost the house.

Subsequent to our required closing day (thankfully the seller extended), Box continued to ask for support including one such instance where a "9" in the date 9/1"9"/2016 looked like 9/1"7"/2016 on a form that simply said I had no other known addressed. While I know precision is important, it was one more delay that put our house at risk on a form that really was fairly insignificant.

Luckily in the end it all worked out. But the experience was terrible. The Company consistently delayed looking at Underwriting requests to the very last minute. Both our loan officer and processor were constantly unreachable via phone or email, causing undue stress. And when we did reach them by phone it was constantly the blame game on why things were not getting done timely, often the finger being pointed at us their customers.

Again I would not recommend using Box Mortgage. It is not worth the incremental savings a slightly lower interest rate will get you compared to the stress and frustration you will feel working with this company.