We recently took advantage of the low interest rates to refinance our home loan. With so many…read morechoices available on the inter web, it can be over whelming to choose a lender, let alone the inundation of emails and text messages from unknown loan officers who can be located in any corner of the world. For us, it was important to have a consistent, responsive loan officer who understood our needs and our market, that is why we called Chris Sittig. We have turned to Chris for our lending needs in the past and once again did a great job. He is always professional in presenting the lending options to meet our needs. He is always available to answer our questions directly by phone, text or email and he is willing to rerun the numbers based on our evolving needs and changing markets. Chris was a great communicator throughout the process, which is not the experience we had with seeking assistance from the online lenders who promised low rates. In fact, the loan rate we received from First Home Mortgage was lower than the two online lenders we consulted. There is no doubt, the lending process is becoming commoditized, but relationships can not. In our experiences, when you are making one of the biggest purchases of your life or refinancing, you need a consistent, available and trusted partner and Chris exceeds those expectations.

I do not recommend this mortgage company. I financed with them and though I choose a 30 yr fixed…read morerate they have found a reason to increase my mortgage EVERY year since. I've purchased three homes and this is the ONLY one whose EVER had a yearly increase. I can't wait to refinance!!

Ashley was knowledgeable patience and kind she make me comfortable and happy going into debt lolread more

Refiance during the pandemic is a nightmare. Because of the historically low rates, lenders are…read moreswamped and it is impossible to find anyone reliable and prompt enough to move through with the process reliably at a reasonable rate. Sure you can get someone reliable if you pay 1/2 a point above average market rates but that defeats the purpose. If you go on the low spectrum, good luck getting a proper follow-up (I've been held up for up to 4.5 months on a refi). The trick is to find someone who is reliable but has a reasonable rate (not necessarily the lowest). Dave definitely hits the sweet spot. He is responsive, his team is prompt to move through with underwriting at a fast pace, and the closing dates don't get overextended. While you may scratch your head as to why I'm saying this, you have no idea how mortgage brokers are operating in this low rate environment unless you experience it. It is not uncommon to not hear from your broker in 2 months after your application is approved - only to find out there are further delays. You don't want to incur any of these risks and the delays result in opportunity costs on your end (b/c you are paying higher interest rates until the new rate kicks in). I can't stress how great Dave has been so far and I look forward to continue working with him in the future.

Bayshore Funding was amazingly easy and simple to go through. We were guided each step of the way…read moreby our amazing agent Chris Harrell. He had everything done quickly and thoroughly and was such a professional but had a sense of humor and a sense of helpfulness. It is very rare to find people like that and he made the process seem seamless and smooth. Thank you Chris!!! Ignacio and Alice Torres

A note from a satisfied homebuyer:…read more One of my followers on social media referred me to All Financial Services, specifically Malcolm Drakeford. Malcolm and I had an informational call on February 2, 2022. I was utterly sold by Malcolm's "no pressure" approach. I completed my pre-approval application and received my pre-approval letter the same day. After going through the motions of searching for a home, switching agents, and comparing quotes from other lenders, I decided to move forward with All Financial Services. Malcolm was ALWAYS available to answer my questions (he took my calls, texts, and emails while on vacation, from the car, and on the weekends). Malcolm advocated on my behalf during the offer and closing process and everywhere in between. Honestly, if you are looking for a lender that treats you like family, has your best interest at heart, will advocate for you when you are not in the room (or on the line), will answer all of your questions (with a substantive response), and show up at your closing. ---Look no further than Malcolm Drakeford. Even if you are not ready or don't know where to start, call him anyway!

All Financial Services is a great business to get your home finance. Ask for Yelin. He is a great…read moreperson and easy to work with.

I was worried about hidden fees but everything was upfront from the beginning. The Application…read moreprocess was smooth and I got funded faster than I expected which was a relief because I had bills piling up. Repayment options made sense and the app lets you track everything so you always know where you stand. The whole thing felt fair and I didn't feel like I was being taken advantage of. Definately a solid choice for anyone who needs quick cash.

We love this group, they work very well together. Greg T Nelson helped us with a complicated case…read moreand got it done! We were preapproved immediately upon a late 20 min phone call... and we found the house of dreams a late evening, Greg was available to help our realtor input info for a contract. Greg is brilliant with the lenders and extremely knowledgeable. He is patient and has excellent communication skills. We are happy with the loan and rates we received! Highly recommend!

So... This review is not only to share my experience but mainly to ensure that ICG is not his "big…read morebad wolf " of lenders looking to "scam" people as some other reviews have indicated . I am trying to reach those currently, in the market or planning a future home purchase or refinance... And everyone who personally knows me can vouch that I don't do this often... After months of searching for lenders or companies ( both online and referred to me- since I myself am in the business of loan transactions , working at a settlement company) I just recently closed my loan and refinanced with Intercontinental Group ( ICG Bank), with the most AMAZING Executive Mortgage Banker, Taylor Leonard. From the beginning, Taylor knew how hesitant I was . I had already gone through the "shopping process", prior to contacting him and I had learned from my mistakes when I was working with HUGE companies like Quicken, or MTB and I could probably name a few others . He quickly showed that he understood my needs and worked with me LITERALLY every step of the way, to ensure that I was getting the BEST POSSIBLE RATE AND SCENARIO, as possible. It was only a few days before my original closing date, when he contacted me, excited that due to a rate drop within the market, my interest rate became LOWER than originally expected ( which had always originally been lower than what any other lender had offered me in the past) ... Needless to say, I was beyond excited. All said and done , NONE of the reviews on ICG Bank and bogus negative remarks turned out to be true. ICG and especially Taylor ensured me a smooth and efficient transaction and that is EXACTLY what I got. People always have this suspicion when it comes to lenders who look "iffy" or have clients who may have just gone through one minor difficulty and decide to bad mouth or ruin the reputation of the company entirely. I am living proof that this company went above and beyond and resulted in an FHA refinance that included TWO separate refunds ( one from my current mortgage company's escrow balance and one from the UFMIP FHA requires , which I had paid at settlement during my homes purchase transaction) totaling almost $5000 AND ( I kid you not) ... literally brought my interest rate down ( without any points ) resulting in saving almost $300 I am now saving in my monthly mortgage payments! PLUS THE BEST PART? I literally had ZERO to pay in closing costs! The lender gave me a $3200 credit and that basically covered all of the costs associated with any settlement company. When it came down to signing the papers, they did what was most convenient for ME and sent a certified notary TO MY HOUSE at 8:00 pm, so that I wouldn't have to inconvenience myself or my son. I am beyond grateful and so very happy to say, if you are in the market and looking for a bank or lender to use ... Please please look no further. You can contact them directly by visiting : https://intercontinentalcapital.com or you can reach out to Taylor directly. My monthly mortgage payment is now hundreds of dollars less, I have extra money in my account from my refunds and they didn't add anything to my loan. It sounds too good to be true but this is literally what happens when you find someone who has dedicated their lives to what they do and genuinely look out for their clients best interest . So thank your Taylor Leonard, for actually following through with your promises and helping me to feel like I was in great hands the entire way through. It really meant a lot , including the main fact that I can now afford to stay in my 1st house with my son, without having to worry about how I am going to pay my previously RIDICULOUS monthly payment. You are TRUELY Amazing at what you do and I hope ICG knows what a SUPERSTAR they have on their team.

I was told that If I paid $500 that I would receive the deed to my new home as well as the land…read morerecords. This was told to me prior to me paying for the service. When I didn't receive the land records and asked where they were, the manager told me she didn't know what I was talking about in reference to land records with a passive aggressive attitude. She then proceeded to tell me that if I wanted land records, that essentially I would have to order them and be charged a separate fee. So what exactly did this company do for $500 of my money?! I am extremely unhappy with my services and feel as though this company is a fraud. I will never recommend this company to anyone. The person I spoke to was Jill B. Rudiger. Don't waste your time trying to get anything out of this company. Save your money and go elsewhere.

I was referred to Capitol Title by a Property Manager and Realtor. Christopher "Kip" Suss, Esquire…read morewas well-informed and highly responsive to my request. My new deed was prepared in a couple days and I completed the process with Richard Legare at the Severna Park office. Their fees were very competitive - overall experience was smooth and very efficient.