This is a total bait & switch company. They advertise no closing costs but they don't tell you…read moreupfront about the discount points/fees they add on until the end. I went through all that hassle of providing all my info and having them pull my credit just to say I'm not going to pay $12,000 in discount points. That's where they get you. I told the loan officer I didn't want points upfront and I guess it went in one ear and out the other ear. The other negative is that you can only make one payment per month so no option for biweekly payments or if you want to add in an extra payment. It has to be in one payment a month. The customer service here is not friendly. The loan officer I got is very old school. Kept referring to coupons instead of statements. Everything is done online now. I don't keep papers of anything except my W2. Anyways this company wasted my time. Beware before you go with them

I feel obligated to give 2 stars because the fact is that RP got me the best rate on my refinance,…read morebut if it was even close to another company, I would have gone with someone else. I absolutely hated giving my business and money to these people. Called RP originally looking to refinance my mortgage once interest rates had gone down and values in my neighborhood had gone up. We thought we could eliminate mortgage insurance at this point. I had called RP for my original mortgage, but purchase mortgages are not their specialty and they didn't offer us the best deal. Broker was pleasant though and suggested I call when we're ready to refi, so I did. This time, Joey Marmo was our assigned broker. My dealings with Joey made me feel dirty. It was only marginally better than buying a car. The experience was miserable. Every time I asked a question, I got run around answers or vague answers until I asked the same question for the second or third time, angry and frustrated. He would repeatedly tell me that their deal was better than another, but not explain. For example, we had to bring some cash to closing to eliminate mortgage insurance because our appraisal screwed us, but I thought I found a better deal which clearly showed a lower cash to close. However, when I sent it to Joey, his only response was, "their deal is inferior, our loan costs are X, and in the interest of time, we're through discussing this. If you want to close, contact..." I understand his frustration to a degree - it was the 11th hour - but rather than explain how their costs were lower but the other company's cash to close was lower, he left it alone and then didn't answer me when I asked for his help understanding the discrepancy. Turns out the other company greatly understated the estimated payoff of my existing mortgage, which is how they were able to manipulate the cash to close number, but it took an hour of comparing line items to figure that out when Joey could have taken 2 seconds to explain it instead of being a slime about it. Also, his frustration wasn't fair considering throughout the underwriting process, I asked for specific numbers - monthly payment, cash to close, etc - and he repeatedly told me I had to wait for the closing disclosure for that info. So, to get upset with me when I continued to ask for the information I needed and you continued to brush me off isn't fair or professional. He actually said he wish I brought up the cash to close issue in the 5th inning instead of the bottom of the 9th when he was the one telling me for weeks I had to wait until the 9th inning for the info I needed. Finally, even the way they do business is a bit sleazy. While they did have the best numbers in the end, they had the highest origination fee by far. However, they make it up by giving a lender credit. So, kind of like a store that jacks up their prices before putting things on sale, they have outrageously high origination fees just so they can look like their giving you a great deal on the back end. Would be clearer and more straight forward to simply cut your origination fee to a more reasonable amount. Anyway, like I said, it was all about the numbers and RP was the best, so you should probably give them a chance. But if you're connected to Joey, ask for someone else, and be prepared for a bad experience to get the best numbers. Would have rather given my money and the commission to someone else, but to be fair, a friend helped me with my original mortgage and he ended up screwing me in the end, so I guess it's just an industry of sleaze.

Orlando Financial Center was my third stop on my refinance journey and I don't mind saying that I…read moremade a mistake going anywhere else first. Everyone else I had dealt with was untrustworthy and unprofessional (bait and switching rates, adding fees, etc.) Then I met Nancy. Nancy and her team were all equally delightful, super responsive and did their best to get me the best rate while making the process easy and painless. My full time job isn't to refinance my home and they understand that. Whether it was email, phone or in-person, Nancy and her team understand quality service. I'll be back and I will gladly refer everyone here. Thank you!

Nancy with Orlando Financial was extremely helpful and we were fortunate to work with her. She…read morereally walked us through every step of the way. She was honest, detailed, and kind. She made sure we understood all the paperwork coming our way. She offered her suggestions and provided tips along the way. Not only that, she was constantly in communication with clear and concise information. Buying a new home can be stressful, but she really made the process that much simpler. I would highly recommend working with her again and plan to refer her to friends and family in the future. Thank you again for ALL you did!!

I have been a Navy Federal Credit Union member for a long time though they have not been my main…read morebanking source. When I remarried 10 years ago they seemed better suited for our joint account since they have locations across the country. Though I was an already a member as a federal employee and have the highest income they appear to give my husband better service. I don't even get advertisements (by mail) from them but my husband gets stuff all the time. The customer service at the brick and mortar stores is always great.

Been with NFCU - my only complaint is that they don't have a branch near me yet , I have to drive…read moreto Orlando . As many ex military people as are in the Villages they would kill it here

This is the worse company I have ever dealt with ...very unprofessional .. no one ever emails…read moreback... never answer phones ... I have been in my house a month and have yet to receive any info on my mortgage....when to pay ....who to pay ... options on how to pay or anything.. I been trying for a week to contact them ... I'd never recommend them to any one ... absolute worse

From the owner: Loanwise is a leading residential mortgage banking firm led by industry experts that have over 100+…read moreyears combined experience that have a passion for making home lending better. So passionate, that we decided to create a company from the ground up that is dedicated to making the borrowing experience easy, simple, and frustration-free. Through the innovative use of technology and a culture that takes care of our people we can concentrate on taking care of you. Loanwise specializes in residential mortgages, so your home loan and your complete satisfaction are our greatest priority.

We mainly worked with Crystal and she was absolutely amazing! Any questions that we had (even if i…read morefelt they were simple or even stupid) she would answer them with a smile on her face. Her communication was outstanding as well. So happy we went with Bruce's Team

Bought my first home through Bruce and his team! They were absolutely amazing! They were always…read morethere to answer any questions I had and walked me through every step of the process! I can't say enough good things about them!

Terrible experience. the only reason i gave them 1 star is because I had to - to move on to the…read morenext step. I would give negative stars if i could. I've bought home before so I know how it goes. FBC is the all time worst mortgage company I've ever seen. Rude, irresponsible, unaccountable. They made the buying experience way more stressful and difficult. Rude, stupid & unaccountable is how I'd describe them. They really made us upset when they should be trying to make the home buying experience much more enjoyable and educational. I would definitely spend more money than deal with these clowns again. Do yourself a favor and use a Company that understand the mortgage business and people better

I wish I could rate them less than 0. I did not opt to do…read morebusiness with this company or its sister/partner company CENLAR. But still they bought my loan from JET HOME LOANS that I was lured into by Dream Finders Homes with 10K closing costs assistance. Little did I know at that time, that I will be doing with such horrible companies like CENLAR and FBC. As for my story, where do I begin? With the first mortgage statement for twice the amount (Principal + 2X Interest) with a wrong due date, or right now where they are refusing to apply my payments to my loan balance? Their only excuse for all these blunders is that they are still in the acquisitions phase for (is it 60 days or 90 days, depends on who you talk to at CENLAR and/or FBC) and that we have to be patient. But they are not patient with their bouncers and legally required notices. They don't apply my timely payments, but they have the audacity to have their bouncers call me threatening me with foreclosures and keep sending letters threatening me with foreclosures because I am delinquent on my payments. I clearly told them that they are behind everything, and they are the ones delinquent in ethics, morals and integrity. It is not until I complained on CFPB that they finally orally confirmed that I paid my monthly amounts and promised that they will apply my payments to my loan by Mar 9th. Apparently, they apply payments manually but send out bouncers and letters using an automated system. Wow! What a choice of processes to automate. No sane company would ever automate bouncer calls and threatening letters without automating payments application first. They delay applying payments and then mark my account as delinquent. Who runs a company like this? I am thinking of refinancing even if it is a little more expensive.

This process has been an absolute nightmare. Communication is awful our closing date has been…read morechanged 3 times. We were a challenging case with a co-signer out of state. We have sent the same paper work in multiple times only to be asked for it again. Were we the perfect client no we missed some signatures but we still being asked for the same paper work the day before we were supposed to close. Surprise new closing date almost a week later. Frustration doesn't even begin to cover it.

Screw these guys. They don't answer the phone and after several messages and 2 weeks I still…read morehaven't heard from them. At least the banks answer the phone!

Stephanie was quick to respond to schedule an appointment for notary services. She went out of her…read moreway to make it easy for us to get the documents executed. Will definitely use her again when needed, and would recommend her to anyone needing notary services. While we met at her office, she said that she also does mobile notary.

I was emailed some last minute paperwork from my job for a travel position that needed to be…read morenotarized fairly quickly. Stephanie was more than accommodating in making sure I got everything that I needed all while being quick & accurate. Friendly, efficient, reliable & professional service. Definitely recommend.

If you are reading this review and have any doubts on who to choose as your lender, I'm going to…read moresave you a lot of time: contact Deb Holloway instantly. You will not be disappointed. Being a first time homebuyer can be very confusing and scary but, I'm not gonna lie, the first email we got back from Deb made most of the fears and confusion go away. She sent over an email explaining all the options that were available to us while other lenders simply said we did not qualify for any first time home buyer programs. Honestly, if it weren't for The Holloway Team we probably wouldn't be in the process of fixing up our new home. Deb, Jess, Patty, and everyone behind the scenes were with us every step of the way. They were all very quick to answer any questions that we had and kept us updating on the entire process. When our new HOA had some issues getting information back to us in a timely manner, they all put the pressure on so that we could close earlier than expected. We will be recommending Deb and The Holloway Team at Christensen Financial, Inc to our family, friends, strangers, and even people who aren't even thinking about buying a house! We will be forever grateful for all the work and guidance provided by Deb and her team!

We are now (9/13/22) eight (8) days from closing on a Kissimmee, FL home. We started our…read morepre-approval (the easy one) ~40-days ago. Then in order to get the Pre-Approval (Verified Letter), we sent multiple documents, to multiple requests for verification of income, about six 2-week pay stubs for each of us... to include 2-years of tax returns... the Pre-Approval (Verified) letter was issued. Then another request for a 2-year dump for payroll. Then another little request, then another... the past 5-days were quite... maybe the quite before the storm. This morning, got a call from the loan officer... Apparently, Christensen Financial Inc. (NMLS 1829514) closed their doors on Monday (9/12/2022)... not to reopen. I haven't been able to confirm... but wow. Story has it... the ma/pa owner's sold their buildings and other real estate and have decided to close shop and skip out on the folks they already had in the pipeline.