Dawn Ryan is the person to call if you want your refinance or mortgage fines correctly. Dawn made…read moresure that I met my goals for my refinance. With Dawn's help I was able to lower my mortgage 1.14%. I am not sure what others have experienced but Dawn Ryan is the mortgage broker to work with at embrace. Call her 401) 640-2510

To Scott Stevens, Thanks for bullshitting me when you assured me it would be a soft inquiry. A hard…read moreinquiry was pulled on my credit causing it to drop 15 points. I guess lying is the first thing you naturally do when initiating calls with customers.

George DeVine was very helpful throughout the entire lending process. He made it very simple and…read moreeasy. I would definitely recommend him for any home loan needs.

07/29/20 Update - I…read morecontacted Cap City for an estimate to refinance my mortgage. Within hours I had a print out showing what to expect. Fast forward a few weeks later and I had my closing! This refinance helped me save over $400 a month compared to my previous mortgage. I highly recommend Johnathon and Cap City Finance for any mortgage related needs - they make the entire process easy!!

Johnathan and his team are absolutely who you want to be working with when house hunting. His…read morecommitment, responsiveness, and calm, collective demeanor make him an excellent and trustworthy resource. From my first call he was friendly and happy to answer my questions and share his expertise in a way I could understand. His responsiveness and ability to provide support on the drop off a dime on a holiday weekend were key in getting our offer accepted and then he got us locked into a fabulous rate. He was a dream to work with - even my realtor was impressed.

The entire team here is awesome. Small branch but always full of smiles. I appreciate the time they…read moretake to make sure everything is taken care of in one visit. If for any reason there's follow up needed, they make sure confirmation is given. Teller line does get a bit busy during lunch time but they do their best to give alternative options to save you time. I have always come here for my questions, account changes and general banking needs.

A+ for loan approval process and speed…read more F- for everything else. Applied for a loan and was quickly approved. The issue was, that the check was for more than the vehicle contract amount. As a result, I reached out to see if they could just wire the correct amount to the dealer. NFCU would not wire to the dealer. This makes little sense, as wiring it to the dealer would be the most secure option, and would ensure their security of the collateral. Instead, I was given the option to either request a direct deposit of the original funds amount to my account, then wiring it myself to the dealer or reapply for a new loan of the new amount. They would not even reissue the check for a lower amount. I chose to have the funds direct deposited. WHAT A MISTAKE. The process started on Thursday evening, and funds were finally deposited on Wednesday. At that point, I call in to do a wire transfer. I'm then told that it can't be done over the phone, and that I would have to send it as a secure message. The wire process is now slated to take 24-48 hours... That's pretty unheard of for an institution of their size. Wires are designed to have the money be sent within minutes. All in all, the whole process added over a week of delay to the process. Had I known it was this bad, I would have just reapplied on the phone Thursday night, overnighted the check, and had it by Saturday. NFCU should seriously reconsider their processes. These inefficiencies will seriously turn away newer member. Also, prior to this whole ordeal, the dealer told me that they would accept the check, but that they would have to wait until it cleared before allowing me to pick up the car... seems like they themselves have had to deal with these inefficiencies.

I refinanced with First Eastern Mortgage in February 2016. First Eastern is extremely reasonable…read morewith their fees. They were more competitive than my lender at the time, my personal bank and a local credit union. I worked with Carlos Schryver who was amazing! Carlos and his team exceeded all of my expectations. Carlos was always available- I would email on weekends, evenings and early mornings and I always got an immediate response. We got my loan approved and processed in record time and with no delays. Everything went extremely smoothly and no surprises. Carlos also knows his stuff- this is my fourth transaction, his caliber of support is not typical!

We worked with Peter Defusco from First Eastern. He was professional, knowledgeable, and always…read moreaccessible. Our refinance was closed very quickly and we had a terrific and "painless" experience. That's not always the case with less experienced firms. We've used Peter for a purchase or refinance now 5 or 6 times and never had an issue of any kind. It really does pay to go with EXPERIENCE! We'd recommend First Eastern for any financial needs - top shelf.

Kim has been one of my preferred lenders now for three years and she has been very professional and…read moreaccommodating to all our clients needs. When she takes over one of my loans, I know my clients are in great hands. I highly recommend using Kim in all your real estate buying needs.

Beyond being a great loan officer, Kim is a great person! We've been real estate agent for a few…read moreyears now and in that time have met quite a few of loan officers. Kim is on the super short list of TOP professionals that we trust implicitly with our clients. We have and will continue to use Kim in every situation we can. ~ top notch!

George DeVine and his team at Atlantic Home Loans make what feels impossible - possible. George is…read moreprofessional - yet personable. We know we're working with someone who cares about the final product, and that wouldn't steer us down an unknown path. This time was our second experience working with Atlantic Home Loans. Our first was a purchase in 2018, and this time a refinance. I look for trust when working with people as closely as we've worked with Atlantic Home Loans, and achieving it was natural. Our situation was a little unique than most and required some additional steps to work through. It could have been easier on George's part to say, "Sorry, this isn't going to work, but let's revisit it in the future." However, George and his team turned over every stone to create a path to the desired outcome. George knows this business and builds a relationship with the client that carries on even after the process. Whenever I hear someone wants to purchase or refinance, I immediately pass along George's name. I can't say enough about having such a positive experience on two occasions.

From the owner: Regional Mortgage Banker, Mortgage, Home Loans, Mortgage Refinance, Mortgage Home Loans, VA…read moreMortgage, Real Estate