A home buying process can be overwhelming and time consuming, but my loan officer, Joselyn Nieves,…read moremade this process easy to understand and delightful. She was so personable and took the time to both answer my questions - even those which I didn't know to ask. Her regular follow-up and dedication to her profession led to an amazing home buying experience for me. I recommend anyone that chooses to do business with PennyMac ask to work with Joselyn if you want top-tier service and confidence in buying a home.

In August 2026 my wife reached out because we had some difficulty during the month of July. Please…read moreread other reviews people with credit scores in the mid 800s were a day late on a payment and they reported it to the credit bureaus. This company literally does not care. We reached out proactively to request a forbearance and split the mortgage payment that was due across the next two months. While they originally seemed happy to oblige the very specific wording they used was that it "does not protect you from credit reporting". That is not the same language as " it is late and will be reported to credit bureaus ". In the consumers mind why would one need protection when the impression is if we make the next payment as required with the additional amount by the due date we would be OK. Instead after I paid the full amount of the next bill due of $3600+ which included $1200+ from half of the previous months bill, within 48 hours they reported a late payment. Perhaps the fact that I paid the bill triggered someone or some system to notify all the credit bureaus of a late payment. The outcome of this is that a very important loan application for a business startup was immediately disqualified because of that credit reporting. My wife attempted to speak to someone in escalations and was met with hostility and incredibly rude behavior from someone in the escalation department who insisted that there was no one higher than them that we would be able to speak to. Our attempts to discuss the matter with a more senior leader, ended with the company hanging up on my wife insisting that they were the final authority on the matter. Frankly, Had they indicated clearly that it would be reported to the credit bureaus when the bill is paid I would have at least been prepared for the outcome. Or I wouldn't have paid the bill that triggered an automatic notification to the credit bureaus until the loan was approved so that it wouldn't have been a year long devastating effect on our credit. We are customers and we are people and we are not just a number.

I've known Franco for over 20 years he is reliable dependable and very articulate…read more I have used his services on countless properties that I've owned in the past and my recent purchase here in Florida. With that being said he has closed my homes from Vegas to Florida. My own mother uses his services as well and she always has been satisfied from beginning to end he is very professional. I believe he takes away the stress of the buying process or investing process by explaining things in detail. If you need a mortgage I highly recommend him five stars is not enough . Thank you JamesZito.com

I chose this loan officer specifically because of the strong reviews and because I wanted…read moretransparency on rates and costs. That's not what I got. Early in the process, I was given the clear impression my rate would fall in a certain range. When the actual disclosures arrived near closing, the zero-point rate was substantially higher, nearly a full point above what I'd understood, and the version I received had thousands of dollars in discount points built in that were never discussed with me. When I raised the discrepancy, I was told it was "the market" and given explanations about what online rate averages "really mean." None of that held up when I checked published data myself. To be fair, the file was handled competently and closed on schedule. But I had to push, repeatedly, before I was shown the full range of rate, point, and credit combinations available to me. My advice to anyone shopping here or anywhere: 1. On day one, ask for the full rate sheet in writing: every rate paired with its exact points or lender credit. Not a verbal quote. Email or PDF. 2. Any time someone quotes a rate, ask if it includes points, and how many, and get the answer in writing. 3.Take that written sheet and shop it with at least two other lenders or brokers. If someone won't put pricing on paper, that tells you everything. 4. Never sign a fee disclosure with points you didn't explicitly agree to. You can decline and restructure at the zero-point rate. I did, and it saved me thousands in cash at closing. Good ratings don't mean you can skip the paper trail. Get everything in writing.

Scott helped guide me through my home buying process! He made sure I got the best deal and made me…read morefeel comfortable in my decision. Thank you.

This was a really frustrating and disappointing experience for us. We were told our loan would…read moreclose by a certain date, but due to thier poor communication with the appraiser and an inaccurate report we missed that deadline and had to pay for a revised appraisal ourselves . later we were told the loan terms had to change to hgher rate and fee because of how our company is structured - something we had disclosed from the start. After weeks of delays and unexpected costs, we had to switch lenders to move forward. It was a stressful and disappointing process that could have been avoided with better communication and attention to detail. We regret not going with other lender from the beginning.

So far Rock on refinance experience. Still waiting on the close date but hopefully we get ther next…read moreweek Ron Simmons

I only have on star because I have to give them one. I wouldn't use this company if it was the only…read moremortgage company available. They're not truthful and when you catch the games they play they just put you on hold and never come back to the phone. ? CC . Ok

Roseann Shannon at 5 Star handled my home purchase. She and the team were great to work with,…read moreanswering my questions, handling issues as needed (there are always issues). They helped me through the process and gave me a great rate.

Roseanne Shannon was absolutely amazing. Her team & Roseann were extremely professional,…read moreknowledgeable & prompt. They addressed all of our concerns with precision & compassion. Due to the sale of our home, we were facing the pressure of finding a home & closing on our mortgage loan all within 17 days. 5 Star Mortgage , aware of this, expiditated our closing in record time without a glitch. Great Job 5 Star Mortgage. We highly recommend them for all your mortgage needs. Tony & Annette Locorriere

Jen was personable, timely, and extremely knowledgeable. I would recommend her to anyone asking!…read more No reservations at all. I trust her expertise and advise explicitly.

If you want to get into a house Jen is your girl. I've been in contact with her for over a year and…read moreshe is very straight forward. She helped my husband and I fix our credit so we can get a lower interest rate and she is always on it. I called her mid June and we closed on our house on August 30th. Being that we are first time homebuyers she made the entire process stress free. I would recommend her to anyone! She is so awesome!

Athena Paquette was our incredible Mortgage Advisor. We are first time buyers and of course that…read moremeans we were worried about everything. Athena held our hands throughout and we are just about done, but had to take the time to commend her efforts, care, and our overall experience. Athena not only took care of her responsibilities, but would reach out to all others involved in the process to make sure they performed and made themselves available to assist us as needed. The personal attention we felt was top notch and I have only experienced that on extremely rare occasions. Good to see that people like Athena are out there and go above and beyond to help their customer. Highly recommend. Athena (if you read this), thank you again for all your assistance, your service was/is top notch. Thank you, thank you, thank you!

My journey with Sophie started with her responding on a holiday acknowledging my application - she…read morehas consistently been responsive and informative. Sophie is a mentor and teacher at heart without being condescending - she also is detail oriented, not to mention having great fee, highly competitive fees and access to various programs and options as a broker. I highly recommend Sophie, as she responds quickly with great guidance and a wealth of experience.

Had the pleasure of working with Paul and his team. He definitely went above and beyond my…read moreexpectations, got me a great deal, and made my experience as a first time home buyer extremely easy. He was able to get my loan approved after two failed attempts with two other lenders. He's very knowledgeable and guided me every step of the way. I would 100% recommend him.

Yay ! I'm officially a home owner in Salt Lake City !! Couldn't be any happier with this location…read moredowntown! Huge shout out to Paul Hasna with Security National Mortgage! Pauls been working with me for 10 +months , patiently letting me weigh all of my options while I change my mind a million times. I found something and they made it happen, all when I was out of the country 50% of the time. I had the best experience possible ! You think you may have an idea, but you don't. Every loan , every home, is different. Paul was beyond accommodating when answering any questions that came to mind, and helped reassure my decisions. I had no doubts whatsoever that I wasn't getting the best deal possible or they weren't working fully on my behalf. I'm walking into a home with an awesome amount of equity already ! I am extremely great full I chose Security National Mortgage. Being self employed sometimes makes you think you have limited options, it's definitely more work and I appreciate all the time that was put into my situation , finding me the best loans and interest rates possible. I am so happy with my place downtown ! Thank you Paul !!

We found this lender to be extremely misleading beginning with our initial contact. After 5 months…read moreof working with them and supplying all the necessary documentation (we had to send the same documents 3 times before they acknowledged receipt), being shuffled to 3 different loan officers because of staff turnover, and contacting them via email, phone, and voicemail for status reports for 3-4 weeks at a time with no response long after the appraisal and initial notary visit had taken place, we decided this lender was not trustworthy. The lender kept changing the terms and rates throughout the process. We've dealt with other lenders that honestly represented themselves and their loan information accurately and have a very positive working relationship with them. Homecision is not worthy of your business.

From the owner: We make home loans simple! Our mortgage loan officers are here to help walk you through the…read moredecision-making and application process, ensuring you are fully satisfied with and confident in the loan product you choose. Because of the time and careful attention we devote to each client from the very start of the mortgage journey,

WARNING PREDATORY LENDING! Folks, please be mindful if you are looking to get a loan from this…read moreplace. Everything was going smoothly until it came within days of closing my loan. They asked for a last minute increase in deposit by 5%. They had put me in a situation where they knew if I didn't get the extra 5% down then I would lose my initial down payment as well as the property I was purchasing. They had no reason for it so I took my business elsewhere. A few weeks later they came back to me informing me they could close the loan at the original amount quoted. Which means they could have done it initially but chose be greedy and ask for an additional 5% down. This is the definition of predatory lending. I would recommend using another bank for a loan.