BBB Business Review
BBB Accredited Business since 11/26/2008
Happy Mortgage
Find a LocationPhone: (410) 536-3601Fax: (410) 536-3606View Additional Phone Numbers4405 Leeds Ave, Baltimore, MD 21229-5405www.happymortgage.comView Additional Web Addresses
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BBB Accreditation
A BBB Accredited Business since 11/26/2008
BBB has determined that Happy Mortgage meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised Happy Mortgage's rating include:
- Length of time business has been operating.
- No complaints filed with BBB.
- BBB has sufficient background information on this business.
Customer Complaints Summary
| Complaint Type | Total Closed Complaints |
|---|---|
| Advertising / Sales Issues | 0 |
| Billing / Collection Issues | 0 |
| Problems with Product / Service | 0 |
| Delivery Issues | 0 |
| Guarantee / Warranty Issues | 0 |
| Total Closed Complaints | 0 |
Additional Information
topIf a business refers you to another company or uses sub-contractors, BBB recommends that you research that company including reviewing their BBB reliability report.
BBB file opened: 11/21/2005Business started: 01/01/2005Licensing
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Dept. of Labor, Licensing & Regulation: Division of Financial Regulation500 N Calvert St Ste 402
Baltimore, MD21202-3659
(410) 230-6100
http://www.dllr.state.md.us/finance/
BBB records show a license number of 19240 for this company, issued by Dept. of Labor, Licensing & Regulation: Division of Financial Regulation. Their web address is http://www.dllr.state.md.us/finance/. Mortgage Lender.
Type: Department of Financial RegulationBBB records show a license number of 8716 for this company, issued by Dept. of Labor, Licensing & Regulation: Division of Financial Regulation. Their web address is http://www.dllr.state.md.us/finance/. Mortgage Lender.
BBB records show a license number of 26-18146 for this company, issued by Dept. of Labor, Licensing & Regulation: Division of Financial Regulation. Their web address is http://www.dllr.state.md.us/finance/. William C. Steneman.
BBB records show a license number of 19294 for this company, issued by Dept. of Labor, Licensing & Regulation: Division of Financial Regulation. Their web address is http://www.dllr.state.md.us/finance/. Mortgage Lender.
Type: Department of Financial RegulationBBB records show a license number of 19225 for this company, issued by Dept. of Labor, Licensing & Regulation: Division of Financial Regulation. Their web address is http://www.dllr.state.md.us/finance/. Mortgage Lender.
Type of Entity
Corporation
Incorporated: September 2002, MD
Contact Information
Primary Contact: Mr. William Steneman (Founder/President)Complaint Contact: Mr. Barry Heisey (Branch Manager)Number of Employees
2
Business Category
Mortgage Brokers, Reverse Mortgage
Products & Services
This company offers conventional, jumbo, fha, va. 203k and reverse mortgage loans
Alternate Business Names
WCS Funding Group, Inc.LocationsX
4 Locations
-
4405 Leeds Ave
Baltimore, MD 21229-5405(410) 536-3601
(800) 954-3601Directions -
1005 Frederick Rd
Catonsville, MD 21228-5030(410) 747-3503Directions
-
9192 Red Branch Rd Ste 280
Columbia, MD 21045-2082(443) 715-4085Directions
-
1301 York Road
Lutherville, MD 21093(410) 337-2535Directions
Industry Comparison ChartX
The information in the table below represents an industry comparison of businesses which are of the same relative size. This is based on BBB's database of businesses located in Greater Maryland, serving Western MD to the Eastern Shore. Businesses may engage in more than one type of business. The percent of time the business engages in a type of business is not accounted for. There is no known industry standard for the number of complaints a business can expect. The volume of business and number of transactions may have a bearing on the number of complaints received by BBB.
*Happy Mortgage is in this range.
Types of Complaints Handled by BBB
BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:
- Advertising or Sales
- Billing or Collection
- Problems with Products or Services
- Delivery
- Guarantee or Warranty
We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.
BBB Complaint Process
Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.
Industry Tips for Mortgage Brokers
What is BBB Advertising Review?
BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
What government actions does BBB report on?
BBB reports on known significant government actions involving business' marketplace conduct.