Planet Reviews 

All the positive reviews are fake. They are nothing but incompatant and non responsive to your queries. RUN as fast as you can from this company if at all possible. Refinance asap with another company

Due to an Escrow shortage, I paid the shortage in its entirety (06.08.2026). The shortage amount due monthly was taken from my account 07.01.2026. I called to inquire. I was told that since I paid by check, I would have to call to ensure the escrow was paid, and the monthly charge not added to my monthly bill. There is not anywhere in writing that I had to "verify" the monthly amount would not be charged. The representative acknowledged that this was not in writing, so a customer would not know to do this. I called the required two to three business days, as recommended by the second representative; the first representative hung up on me. As of 08.03.2026, the monthly escrow shortage is still added to my mortgage amount, despite paying the shortage in full. I called the customer service line, waited an exorbitant amount of time to have a representative take my call. After explaining the situation, again, the representative was apologizing for the inconvenience, but still hung up on me. I am not fooled by representative thinking that hanging up while they are speaking will be perceived as a dropped call. Planet Home Lending is absolutely horrid. I would not recommend doing business with this organization.

If I could give 0 stars, I would.
Customer service is awful and does absolutely nothing for the customer. Lets put you on hold. Nothing gets resolved. Just a predatory company.

Working with Michael Thayer throughout our home-buying process was an outstanding experience. From start to finish, he was professional, responsive, and incredibly knowledgeable. He took the time to explain every step, answered all of our questions quickly, and made what could have been a stressful process feel smooth and manageable.

Michael stayed in constant communication, kept everything moving forward, and always made us feel like a priority. Even when unexpected questions came up, he handled them with confidence and made sure we understood exactly what was happening.

Because of Michael’s dedication and expertise, we were able to close with confidence. If you’re looking for a lender who truly cares about his clients, works on your behalf, and delivers exceptional service, I highly recommend Michael Thayer. We couldn’t have asked for a better experience. Thank you, Michael, for helping our family achieve our dream of homeownership!

They have handled my loan fairly well. I called to try and pay off my mortgage. Nope, can't get a figure. They want to send a fax. Who in the eff uses a fax machine anymore, its 2026. Only other option is to pen a letter in which they told me will "go on a pile and will be put in que". Guys, its 2026. You are just trying to extend my loan to make more money you thieves.

Working with Andrew Charron as our loan officer during the refinance of our home was an exceptional experience. Our refinance involved a highly complex situation due to significant errors and complications that occurred during our home’s rehabilitation process. What initially seemed like an overwhelming challenge became manageable because of Andrew’s expertise, dedication, and professionalism.

Andrew confidently took on a difficult project, meticulously corrected previous mistakes, and navigated every obstacle with remarkable skill. Throughout the entire process, he remained positive, reassuring, and committed to helping us reach the finish line. His confidence and calm demeanor gave us peace of mind during what could have been an incredibly stressful experience.

Communication was one of Andrew’s greatest strengths. He kept us informed every step of the way, providing prompt updates, answering every question thoroughly, and addressing all of our concerns with patience and professionalism. We always felt supported and knew we had someone genuinely advocating for our best interests.

Thanks to Andrew’s hard work, persistence, and unwavering commitment, we successfully made it to closing. I cannot recommend him highly enough to anyone looking for a knowledgeable, trustworthy, and dedicated loan officer. If you’re seeking someone who will go above and beyond to achieve the best possible outcome, Andrew Charron is the person you want on your side.

Thank you Andrew and the Planet Home lending team .

Henry sold me a home and i have been in it with no issues. Later Frank and his team then help me refinance and made it all so easy.

My mortgage was sold to this company and the customer service rep calls me during a random morning telling me incredibly important information such as my loan number, my payment amount, methods to pay and to get me setup online to access my account, etc all while I'm at work completely unprepared and no idea how I'm supposed to stop everything I'm doing to get this information. I asked the rep if this information will be sent via mail or email correspondence because this is all sensitive information that should not be occuring on a random Tuesday morning with no warning of the call and the rep said no. Who TF handles business like this?

Seamless transaction, great communication, excellent service

I recently closed a VA IRRRL with this team, and they knocked it out of the park. The entire process was incredibly smooth and stress-free. They secured a fantastic rate for me and worked efficiently to get everything finalized in a timely manner. Their communication was top-notch, and they truly made the whole process easy to understand. Highly recommend! If you're looking to do a VA Interest Rate Reduction Refinance Loan, look no further! This team did a phenomenal job on my IRRRL. They got me an amazing deal, kept me in the loop the entire time, and wrapped everything up so quickly. 5/5 stars!

I think planet Home lending is probably one of the worst lenders I’ve ever worked with. From getting our mortgage sold to them and the experience that I’ve had to try to do a principal reduction payment recast their process seems absolutely ridiculous, you’re constantly dealing with somebody out of country and this has been hands-down the worst service I’ve ever received. Instead of doing a principal reduction payment recast we’ve decided we’re just going to refinance our brand new loan just to get away from them.

Brie and her team were awesome. So easy. They handled everything. It went so smooth ad they were available for my questions and were always prompt. Thank you.

I cannot say enough great things about Vince Ortiz. He went above and beyond throughout my home purchase and made the entire loan process smooth and stress-free.

His professionalism, communication, and attention to detail exceeded my expectations. He not only earned my trust, but also impressed my longtime friend and Realtor so much that he earned her future business as well.

He is a true class act. If you're not doing business with Vince Ortiz, you're not giving your friends, family, or clients the very best in the business.

Thank you, Vince, for an exceptional experience.

Shannon Peterson

We started the buying process last year. We had a realtor that helped us right to Planet Home Lending for our Mortgage. Being the first time buyers planet Home Lending helped us finish out. We then contacted them for a refi. They helped get us lower interest rate and lower payments. We discussed later doing a check later to do a pay out loan for some repairs that need to be done. I Highly recommend them for home loans. We used VA backed loan and it was so simple and stress free with Planet Home.

Our experience with Planet Home Lending during an insurance claim has been extremely frustrating and disappointing. Despite submitting all required documentation and insurance checks, there have been significant and ongoing delays in releasing funds needed to begin repairs.
We have reached out multiple times and have been unable to get clear answers, timelines, or meaningful assistance from any representative. Customer service has been consistently lacking, especially given the urgency of the situation.
Planet Home Lending has also communicated directly with our insurance provider, confirming the claim is valid and ready to move forward, yet they continue to delay disbursement and have indicated funds may be held even longer.
We have made it clear that funds can be sent directly to the contractor, but even with that flexibility, no progress has been made. These delays are preventing necessary repairs and creating avoidable hardship.
Overall, this has been a very disappointing experience with poor communication and lack of urgency.

I needed a payment history for my mortgage but when I went online to create a summary page, the document did not reflect the company name/information.

I then called planet lending ( now Planet) to request the summary history and the representative stated they do not have nor can they create a payment history document with the company’s name on it.

I requested to speak with a supervisor who then informed me that I should request a verification of mortgage instead and do so via email.

I submitted the request via email with the general information ( loan#, address, my contact) and then I get an automated response that stated that the request must be in writing!!

I then called the customer service number again and had the representative fully provide the necessary information needed based on their criteria so I can submit the request appropriately and completely.

Now I wait to see how long it will take them to process my request.

I am so grateful that I have mortgage company options. Hopefully, my next one will be client service oriented!

06/03/2026. I wanted to provide an update. I did get the verification of mortgage within 24 hours so I increased the rating to two.

We refinanced our home with planet home lending, it was a great experience. Nick Dejesus was our agent he got us everything he promised. Lower Apr lower payments years and money off the life of our loan. He was very knowledgeable and got it done quickly. I would highly recommend if you’re looking to refinance or even buy a home call them and ask for Nick. He always took my calls answered all my questions even the stupid ones lol!🫶🏻💯the💣 Thanks Nick
David & Lydia Wilder

Very attentive made my experience fast and smooth.

piece of crap company want us to get a special insurance that the condo already has it

Nick and Ashley and the rest of the team helped me close on my first home. It was a smooth process and they made me feel comfortable during what could have been a stressful process. Highly recommend them to anyone in the area.