Planet Reviews 

Rick and Brenda were on top of everything through the entire process. They communicated regularly with me and everyone involved. They were kind and patient and explained everything. I never imagined it would go as smooth as it did. Thank you so much!!

Maralee and team were very knowledgeable about different financing options, responded quickly to all of our questions, and managed to have our loan in place in a short timeline, despite several changes that had to be made due to circumstances. This made our move from out of state possible.

Beware! Do not obtain a mortgage through Planet Home Lending, especially if you are a service member, as they do not seem to care about your service to the country. I am active duty military and was overseas for work for months. I paid my mortgage on time but accidentally selected my savings account instead of my checking account, which had the funds. PHL sent physical mail and tried to call, but I was not local and had a temporary overseas phone number. They also sent an email simply stating "message from PHL" with no indications of urgency. In the end, the payment was reversed and I "missed a payment." They reported this to the credit bureau, which caused my credit score to decline by more than 150 points. When I saw this on my credit report, I called and explained the situation, and told them I could pay for the missed and current payments. I asked if they could remove the credit hit and they denied my request, saying that PHL does not do "good faith credit penalty removals," even after I explained my situation and offered to show my military orders. My credit score went from 810 to the 600s. I will be refinancing with another company as soon as possible. I do not recommend Planet Home Lending to anyone. Beware!

Called and set up a payment over the phone and they didn’t do it. They took seven days to take mortgage payment out. Terrible!!!

I have called numerious times and have been unable to talk to a real person. This company leaves a lot to be desired in a mortgage servicer. HEY PLANET LENDING SERVICE is in your title... learn how to answer the phone
.
6 times i've had to re enter my info and 45 min and I am still on hold.

the letter I got talked all aboutsuper great customer service, I guess that was a LIE.

This worthless company purchased my mortgage after my then lender went into receivership from the FDIC. I had storm damage and filed a claim with our insurance company and was issued a check made out to me and Planet Home Lending. I had the repairs completed to prevent further damage to my home. I sent to check to the Loss Draft Department for Planet Home Lending and uploaded the adjusters report. It was under $40,000.00 in damages and the check should have been released once determined my mortgage was current and the adjuster report was uploaded. I have called and checked status a couple times, the last time was this morning which is 8 days after they received the check and I uploaded the adjusters report for the damages repaired. They asked today to verify my address and it will now be an additional 6 to 10 days before they can release the check back to me. I do not understand why they had not verified the address previously on the other status checks I had made. They do not seem to care when I asked for the process to be expedited as to avoid a lien being placed on my for not paying the $26,000.00 to the contractor a month after the damages have been repaired. I will be soon refinancing with another company to get away from this garbage company Planet Home Lending.

Is there a No Star button? They really need a no star button around here. All I’m going to say is the truth. If you have a chance to go with another company I suggest you do that. If fall behind on a payment, they you lock out of the online system so you can’t make payments. Then they told me that if I couldn’t make the entire payment don’t make it all because if you send half now and the other half when you get it they won’t accept it and will send your payments back. It seems like a slick way to take your house. How can they refuse payments? I was sick in the hospital. I had 5 surgeries and am about to have another. That would put anyone behind. But when I told them I was going to pay half and half that wasn’t going to work so I guess death is not an excuse. In reply to their message, I have the telephone number. There are no options to discuss because I paid in full. Just know that I was told that my payments would be returned to me if not paid in full. I was locked out of the online payment system. And it made me feel as if you wanted my home and not my payment. Be careful how you treat your customers. They keep your business going. What happens if we all leave.

Called regarding my loan and nobody can give me a answer they only transfer my call to different people and no solid answer.

I got notice that this worthless company is taking over my loan. I tried to get some answers from the customer service but SHE was very rude to me and would not even listen to my questions. I then called my former mortgage company UWM, who handled my refi back in 2021. That customer Rep. was very polite answered my questions and after reading all the one stars review it looks like I should contact my bank and see if they can buy out my mortgage so i don't have to go thru all the problems other people have had with this company.

My father is in the same boat He was in a horrific motorcycle accident and is currently quite far behind on his mortgage payments. The middle of Feb 2025 planet home lending sent paperwork about a 3 month trial. He has paid March, fixing to pay Aprils and was preparing to pay Mays However he has been informed by Planet Home lending that he's in foreclosure not allowed to make the March April and May payments (That they were getting and keeping), and that the foreclosure auction date is 4/29/2025. My father is a retired disabled veteran . He has tried for 3 years to find a solution and work with Planet Home Lending to no avail.
update::
They sold his home and we are waiting for the fall out

Has anyone tried this partial surrender program? And are you happy with it ? I need more info on it just to make sure it is legit,and they are not trying to take your home with the fine print.

I’ve been waiting for 2.5 months for them to approve putting my home in a living trust. Every time I call and ask for a status, it’s under review by legal and will be done by the end of the day. It’s absolutely ridiculous to have had the documents for more than 2.5 months and for it to still be under review. If I didn’t secure this loan when the rates were really low, I would leave. Thankfully, I’m fast tracking my payments. I can’t wait to be done with them. If I could give them 0 stars, I would.

This place is terrible, our mortgage payment has climbed every year so far. Every time we call the person on the other end is either foreign and speaks broken English or they are rude and condescending. We are in the process of moving our mortgage to Community America Credit Union. I wouldn't recommend planet to mortgage a dog house.

Just another soulless and faceless financial group that acquires loans from other lenders. I have tried contacting their customer service repeatedly about paying off my home loan early. They either hang up immediately or put me on a secondary hold and then hang up on me. Also, their website requires that all payments be below $10,000 so that you cannot make any large payments against your principal online. It's a shady technique to slow early payoff of a loan so that they can keep your principal higher for longer, to swing the amortization schedule in their favor.

I found out today that Planet Home Lending was my new Mortgage Company. I called them at 8:15 am and could not talk to a real person after being on the phone for 30 minutes. I called back and I spoke to customer service which transferred me to Lost claims. I held on the phone for 45 minutes for them to transfer me back to customer service. I held on for over 4 hours. I feel asleep and woke up to that annoying music. No one had ever answered my call, so I hung up. My issue is still not resolved. Not even when using their website. They are worse than calling my cable company.

My mortgage was transferred to Planet Home Lending effective today. I have been trying for a week to speak with someone as today is also my payment date. I cannot get a real person on the phone at all to make my payment. There isn't even an option for a person. It just sticks you in a loop of "we don't recognize that SS#/loan number" My old mortgage company got me a person on the line, I told them I wanted to make a payment and that the load was just transferred to them. He asked me to hold and sent me to a "survey". AGAIN automated and asking how my service was with no way to get out of it but hang up. HORRIBLE experience so far.

It's 9:24 AM on a Tuesday morning. I've called twice. The first time I was on hold for 18 minutes before I hung up and decided to try a different number. I've been on hold on this second number for another 18 minutes and counting. That's pretty pathetic. You'd think you were calling Social Security. I'll never get the answer to my insurance question at this rate. Again, that's pathetic.

I would like to personally apologize to Mr Darryl satchel and the planet home lending company for my prior review and poor rating that I gave due to miscommunication and misunderstanding on my part. At the end home lending came through with flying colors and provided everything that was promised I am totally pleased with the outcome

I absolutely hate Planet Home Lending. Every year my mortgage has increased due to Insurance and taxes, i get that. They give me the option to pay the shortage in full or over 12 months, I select the later but always pay more to have the shortage amount paid in full within 4 to 5 months. Planet however NEVER applies my payment correctly and then I spend hours on the phone with them to get it corrected. I spoke with Erick on 8/26/24 at 7:11 pm and after all of my payments were applied, he gave me a new amount, which I agreed was correct. I later receive a mailed copy with the INCORRECT amount AGAIN and I am currently on hold today 11/25 at 4:06 pm about the same issue. I have been on this call for 49 min now and nothing is resolved.

As a first time homeowner with a FHA loan, I have had bad experience with this company. My escrow causes my mortgage payment to increase every year. This is maddening and doesn’t make sense…My mortgage is more than 30% of my take home pay. I thought that I was protected from predatory practices on FHA loan. Now it is seeming that I won’t even be able to afford to keep living here as they raise my mortgage $83 last year and now $57 this year. This is not working for my family and we worked so so so hard to save the money for the 10% down payment on this house. The mortgage is current but the future for us seems bleak with Planet