I chose this company after being turned down from a previous company cause I am self employed and my debt to income ratio was too high. I met with Joe and his team to see if it would be a good fit to work together & I disclosed all of the information that I previously mentioned. Joe told me they would have to run my credit again and If there was any other debts I had recently opened, I disclosed that there was none that I am aware of. You'd think, given that they'll run my credit they should be able to know. Communication leading up to the week before closing was okay. One week before my closing day. I get a call from Joe saying "under writing came back & unfortunately your debt to income ratio is too high. You're no longer qualified for this loan. I am sorry." I asked Joe why wasn't this discovered upon the first meeting & he said "you're right it showed have showed up in your credit pull (mind you this is a hard pull). Not sure why it hadn't". Joe provided no other options on how to better my situation, just a dry "I am sorry". I asked what's my DTI, how can I improve it, what's my purchasing power currently, etc. I simply felt like Joe gave up. I spoke with multiple lenders and they mentioned that a credit pull will disclose my full credit history. Being that I was turned down from the first lender due to lack of experience was one thing. To now being turned down by this lender one week from closing when the reason for being tuned down could have been avoided upfront after the first meeting...To put it frankly, it's annoying. At face value Joe and his team seem great, not sure why they had to give me the whole run around. I wasted almost a month of stress balancing my life to have things just to blow up in my face. read more

TOTALLY UNPROFESSIONAL ! BE AWARE! There are better lenders out there. Joe Massey was totally disrespectful and unprofessional through the entire process. I was shopping around for the best interest rates for refinancing as a wise and responsible home owner. I was very respectful and answered all his questions through out the whole process. He called me and told me that I'm not serious and cut me off for no reasons and basically told me to get LOST. Sounded like he didn't have a better offer or just got mad that he couldn't take as much money from me as he wanted to. STAY AWAY FROM THIS BUSINESS !!!!! as there are much more professional lenders out there and offer better services. Will never recommend anybody here and will alert as many people as I can to stay away from this place. read more

Our experience with Joe Massey couldn't have been more negative. Buying a home is almost always an unpleasant process but he made it so much worse. Despite saying we were "100% good" he called us 10 days before we were suppose to close and said there was an issue with our loan. I'll leave the details out but the most important part was his attitude. As we were scrambling to make things work he stopped returning my husband's phone calls. We left 2 messages on his cell phone, 2 at his office, and sent two emails...crickets. I decided to call him from my office phone (a number he wouldn't recognize) and he picked right up. When we finally got him on the line he was rude and borderline argumentative. Even if he was right that the loan couldn't be done (he wasn't, we closed on July 10th with another lender at the same rate) his conduct was uncalled for. There's no reason to dodge calls and definitely no reason to be rude to a client. Run, don't walk, away from this one. read more

We had a great experience with Clint Thompson. He was professional, responsive and delivered EXACTLY what he promised! He kept us informed throughout the entire loan process and was wonderful to work with. I would highly recommend Clint to any friend or colleague! read more

Michael Donegan is a loan officer at C & C. He is a professional, understanding and charming individual. Even though buying a mortgage sucks the life out of you and brings you to tears, Michael helped us through every step. I lost my temper more than once but he kept his cool. If you need a mortgage...be prepared to hand over your life on a platter! And let Michael help you, you won't be sorry. read more