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    Guild Mortgage Company

    5.0 (2 reviews)
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    Atlantic Bay Mortgage - Jonathan Chandler, Sr. Mortgage Banker

    Atlantic Bay Mortgage

    (1 review)

    Wonderfully efficient, thorough, and honest service in refinancing our house. Closed in 11 days…read morefrom the day we initiated the refinance process. Saving over $300 a month. Great loan officer!!!

    From the owner: Jonathan Chandler has been helping families for over 18 years. Honest, reliable, responsive, he…read moredelivers on his promises, is always available to his clients, and ensures on time closings every time. At 19, an age when many people are still trying to decide what to do with their lives, Jonathan Chandler was inspired to help people in the community. He followed his heart and entered the world of lending to assist clients with loans and homes purchases. Jonathan says, "The thing I enjoy most is helping others obtain their dreams of owning a home and making sure the process is easy as possible." While he helps all types of homebuyers, he specializes in assisting first-time homebuyers and veterans. Jonathan says, "Most people just want to buy a house; they don't necessarily want a mortgage. My job is to help coach and guide them throughout the process and make the process as smooth as possible. I tell clients upfront, 'I understand you're looking for a house. Here's what I can do to help. We're going to make the process as smooth as possible. We're going to close on time. And we're going to give you the best deal that we possibly can.' I'm going to be there for them from start to finish and treat them like family. Being there when they need something, whether it's 8 am or 8 pm on a weekday or on the weekend-- that's what I'm all about."

    Cain Mortgage Team

    Cain Mortgage Team

    (1 review)

    I've actually had the pleasure to work with David and his team twice for home mortgages. They made…read morethe process very easy and gave excellent support along the way. Great rates also.

    From the owner: The Cain Mortgage Team Team is your premier mortgage team located in Columbia, South Carolina. As a…read moreMortgage Broker, we pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Columbia area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution. Our Mission Statement is "to create lifelong, raving fans by treating our clients like family." The only way to accomplish this is for our Team to provide the best possible experience in the Mortgage industry. Our Team has a Five Star process that will educate, communicate and execute with and for our clients like no one else in the business. So, if you are looking at purchasing or refinancing in the Columbia, SC area, or anywhere in South Carolina, we would love for the opportunity to earn your business. As a Mortgage Broker, we have the best selection of Mortgage options, the lowest rates, and the best service. Mortgage Brokers have significantly more flexibility with credit than Lenders or Banks, which allows for clients with lower scores to get Approved.

    Resource Financial Services - Mortgage Banker, Josh Tronco
 Office: 803-832-2650
 Mobile: 803-456-0388
 Fax: 803-832-2642

    Resource Financial Services

    (1 review)

    I closed a loan with Resource Financial Services today and it was the absolute worst experience I…read morehave ever had doing business. A week or so ago I decided switch my loan from my trust to my LLC. I specifically asked if anything would be different and was told there was a fee to buy down the rate but everything else was exactly the same. Having blind faith in my lender I trusted that this was the case. When we sat down at closing today there was a prepayment penalty if I sold or refinanced or sold in the next 3 years of over $43,000.00! I asked the loan officer (who was present at the signing) why she did not tell me about this. She said I signed it in the docusign. I specifically told her previously that I did NOT read the docusign and asked her if anything was different. She had said everything else was exactly the same. There was never a mention of the prepayment penalty fee being added in and I did not know about it until I had flown across the country to sign all the documents. On top of that she agreed that if the rates dropped a bit this year and if I refinanced with her that she would work with me on the pricing and fees. I should've been more cautious as I had more than one call into her this week and my calls were unreturned. Yesterday as I was traveling to get here she said I am in a meeting and will call you back but never did. I only found out later that as of 5pm the closing stuff had not even been sent to my attorney yet. So here I sit at the table with the attorney , my realtor and Caroline Smith (the loan officer) and I tell her Im not signing this. She says let me go see what I can do for you. She excuses herself to make a phone call that we are not privy to. She comes back and says if you sign this today and give us $14,000 extra we will negate the prepayment penalty. I was appalled and under great duress at this point. Where Im from this is called extortion. I told her to leave and that I no longer wanted her there. As she walked out the door she said " I am not a liar". Well Caroline omission of facts is also dishonesty in my book. She then said angrily the rates will not hit 6% this year! I said "do you also work for the fed?" She left and about ten minutes later addendums started coming to my attorney that I had to sign there was a couple of places throughout the contract that they were changing and sending to Donaldson Law Firm as I was sitting there. There were multiple places they hadn't caught when sending the paperwork over that needed to be changed at the last second. To Resource Financial Services this was obviously just another loan to push through but to me it was my dream home. I sat there with my dream on the table unsure If I should walk away or just sign it. I had flown across the country and had already wired over half a million dollars to the law firming this was what i've been working towards my entire life. I would caution anybody to think twice before using this company. A new home is life's biggest purchase.....Imagine yourself at the table, with an extra $43,000 penalty that no-one told you about and then the loan officer tells you, if you give us $14,000 more dollars we will waive it.... what would you do? Do NOT let yourself get in a. situation like this with a company like this. As for Caroline Smith and RFS....buyer beware!!

    From the owner: Resource Financial Services is a local independently owned mortgage banker, serving clients from…read moremultiple locations in South Carolina, North Carolina and Florida. Working with us gives you a dedicated team of full-service mortgage bankers and insurance agents who will provide the answers and options you need as your life changes.

    Guild Mortgage Company - mortgagebrokers - Updated June 2026

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