I had a wonderful experience with the entire NVR team. They were patient, knowledgeable, and…read moresupportive throughout the home-buying process. They answered all of my questions, kept me informed, and made sure I understood each step before moving forward. Their guidance made what could have been a stressful process feel smooth and seamless.

This company is the most unprofessional business I've ever had the "pleasure" of working with…read more Two months to process is while we were putting 70% down, Credit Scores of 800+ and gainfully employed. The information they were requesting was bizarre and we had to send the same information repeatedly. The information I gave for employment verification was followed by a scam email from someone pretending to be me requesting my salary be paid into another bank account so it looks like my information was also compromised. I've bought and sold 9 properties in my life and have never experienced anything like this before. I would 100% not recommend this Company to anyone. If you do decide to go down that path, enjoy the ride.

Shawn Kaplan and his team at Legacy Mutual, by far, have some of the best customer service I've…read moreever experienced. They keep in contact with you from the time you even mention your interest in purchasing real estate and they don't stop after the sale is made. You become a lifetime part of their family. If you have any questions you can be sure that you will get a clear answer and full explanation on what to expect during the process. It has been 5 years since we purchased and if I had to do this all over again, I would definitely go with Shawn Kaplan and his team at Legacy Mutual.

It's difficult enough buying a house. Buying a house in another state, sight unseen, is even more…read moredifficult and nerve wracking! BUT, Shawn, Donna and the team were amazing. We went with The Kaplan Team based on the excellent experience our daughter and son-in-law had when they purchased their home as an out-state transaction. The Kaplan Team was thorough, responsive and the amount and clarity of communication was perfect! We knew exactly what was needed and when it was needed. The sign was pretty awesome, too! Highly recommend!

This is a garbage lender. Their underwriters are incompetent at best, malicious at worst…read more Specifically Tammie Barnes. She is extremely incompetent and her boss said she's one of their most senior underwriters. Well, she didn't review the documents we uploaded and she ended up conditioning us for a document to prove a debt my client paid off 20 years ago was indeed paid off. Do you keep documents for 20 years? There was no corresponding debt showing up on my clients credit report, no mention in the automated underwriting system, only Tammie's word that we needed to prove a phantom debt was paid. Honestly it seems malicious to me because I already called her out on her incompetence from her initial underwrite, which was late, by the way. I'd advise you stay away from this lender at all costs. If the option is to stay a renter vs. apply for a mortgage with Franklin American I'd suggest you stay renting. This company demonstrates everything wrong with our industry and they employ incompetent or malicious people like Tammie Barnes.

If Icould do no stars I would...DO NOT GO THROUGH THIS COMPANY and if you mortgage somewhere make…read moresure this is not a company they "sell" your loan to... 2nd year they have increased my escrow, 1st year was 30.00...and although my insurance and taxes increased I was in the positive 22.00. However again I rcvd a 2nd notice of an increase. This time it was 70.00!! So in 2 years 100.00 my payment has gone up. Their reasoning is they like to have a 1000.00 "cushion" so this could be a on going thing...Will definitely be refinancing soon.. ps called the company and talked to a TY we were "disconnected" and although he verified my # and my husbands # (on speaker) no phone call back and had to call and hold again.

From the beginning I said I needed a construction loan, and that I chose them because they were…read morelisted as a preferred lender for a USDA rural construction loan. However, they seemed to have forgotten who I was or what I needed. Finally, Seth said he'd never processed a construction loan and wasn't even sure if Churchill did them. I got the run around for six months before firing them. I still need a rural construction loan.

Incompetence at it's best or just shady not quite sure which as I had 2 issues while trying to…read morecomplete a refinance. First off applied for a 15 year mortgage and was told due to Income could not qualify but would get me a 30 year at the same rate. When the disclosures came in there were points involved that were not disclosed when mentioning the 30 year rate when I decided not to move forward, they then had calculated my income incorrectly & then said yes you do qualify and again disclosed the costs involved and with the now 15 year mortgage at the rate agreed upon for the same loan $$ I would be getting money back at settlement(not a lot but around $1000.00). 9 Days prior to close I looked at my Loan Details and all of the sudden my loan $$ was for 1700 more than the initial loan and they said"the loan changed because the calculations were off on payoff and taxes" So either they are incompetent or shady. The new loan $$ would never have been disclosed if I had not looked at the Loan details. Needless to say we decided to hold off and find a more Honest or Knowledgeable Mortgage company. Can't say which it was Incompetence or shady dealings but for us we walked away early and will be dealing with what we hope to find is a better choice in Mortgage Companies. Be Careful.

Dealing with Reliance First Capital was a very good relationship. By that I mean they really got to…read moreknow you on a more personal level. I dealt with Suzanne. Horne at the Franklin TN office. She was very efficient and helpful. Her assistant Lisa Ann was also very helpful. If you're looking for a loan company that treats you on a more personal level level, this is it.

I was very pleased with Reliance first capital and Mrs juileanna was so nice and timely I would…read morerecommend her anytime

This is a phenomenal mortgage company. My wife and I closed on our dream home in 28 days. The…read morecompany was prompt, attentive and super supportive during our home buying process.

Jordan Dawson of Morgan Solutions Financial did not return phone calls or emails. He was not…read moreproactive with submitting documents in a timely manner and because of this a real estate closing was delayed 2 days. He did not communicate with the title company, his clients, or the real estate agents involved and because of this caused all parties involved stress and anxiety. His client was a veteran and it was shameful the way his client was treated.

I cannot tell you how difficult this mortgage company made the sale of our house. Everything single…read moreperson who has dealt with them in our process (both realtors, both lawyers, both the seller and buyer) have detested how difficult they have been. I never leave bad reviews, but I cannot discourage their use enough. Stay away.

From the owner: At Legacy Mutual Mortgage, you are guaranteed to have a concierge-level experience through the…read moremortgage process. From pre-approval through closing and beyond, our clients and realtors can expect to receive exceptional service through attention to details and clear communication of status and updates. In Nashville, our Loan Officers and Teams focus on building trust, exercising clear communication, and adhering to strict timelines. With consistency, commitment, and name recognition within the community, clients and sellers are confident in the strength of a pre-approval letter from Legacy Mutual Mortgage. With a variety of competitively priced loan programs, our Loan Officers are able to offer the most thorough information for your next home purchase. Remember that our Team is here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Keith Collins and his team were by far the best experience I've had working with a lender during…read morethe home buying process. I've worked with multiple lenders when purchasing homes, and their communication, responsiveness, and friendliness really stood out. They made the process easy and stress-free from start to finish. I would highly recommend Keith and his team and will definitely use them again in the future!

We weren't sure if our move to Franklin, TN was going to work. Between rising interest rates, the…read moretough market, and being self-employed, it felt daunting. Keith Collins and his team completely changed that for us. Keith took the time to really understand our situation, walked us through realistic options, and worked incredibly hard behind the scenes to make something happen that we truly didn't expect was possible. Communication was clear and honest, which made a stressful situation so much easier. We're grateful and will absolutely work with Keith Collins Mortgage again in the future. Highly recommend to anyone who thinks their situation might be "too complicated."