The most disappointing and disheartening home buying process I could ever imagine. As a first time…read morehomebuyer, Cross Country Mortgage did not make my dream of purchasing my first property anywhere near what I thought the experience should be. To begin, the first representatives I spoke with conducted an over the phone interview with me where they seemed very genuine and determined to be very transparent and communicative. After that initial conversation I did not hear back from that representative again for almost two weeks. When I called to inquire where I was in the loan process I was told he was out of the office and they did not have an ETA on when I would receive an update on the status of my approval letter. My realtor got me in contact with a different representative and the loan process moved forward from there. The rest of my loan process was hit or miss. I was timely with providing them with the documents they requested however, they did not make it a priority to respond to my phone calls, voicemails or emails. The most traumatic part of my experience was that I was provided with a Closing Disclosure on 6/11 which showed my cash to close and itemized my closing costs. My expected closing date was 6/15. My realtor and I reached out repeatedly to ensure they had everything they needed to make my closing day smooth and the day before closing they stated for some unbeknown reason they hadn't finished the paperwork and I had to push closing back by two days. This was not only disappointing but I'm a teacher so it posed an issue with me having to try and find coverage for my classes at the last minute with the date change. Late on 6/14 I received a call stating there was another change and we were clear to close. Only having revived the Closing Disclosure from 6/11 I took those numbers and wired the outlined cash to close to the title company and showed up to closing. During closing the title company showed me an updated Closing Disclosure that I NEVER received from Cross Country so I was still unable to officially close because the cash to close I wired was almost $2000 short of what I was informed of. (I don't have an issue with the numbers changing however, I believe as soon as the title company was provided with an updated Closing Disclosure I should have been provided with that information as well.) I was also surprised to find that Cross Country had rolled credit card payments into my loan which had already been paid off causing me to spend out extra money during closing that I now have to wait to be reimbursed from the credit card companies. At no point in time did cross country ever disclose rolling over credit card payments into my loan and my realtor as well as the sellers realtor both said that this was a practice that they had never heard of before. I honestly feel that after my experience with this company I was discriminated against as a black woman and taken advantage of. I would never recommend this company to anyone, not even my worst enemy.

I highly recommend Ryan Brandenburger and his team at Cross Country Mortgage for making my house…read morebuying mortgage Before you Take a mortgage for 15 or 30 years you have to make sure you choose the best company As my experience Ryan and Alex are number one!

If you're self-employed, like I am, finding a Lender who can provide loan products for you can be…read morenearly impossible. After having exhausted all my "local, traditional" Lenders, I knew there had to be other options available for self-employed persons such as myself with solid credit & good business history, solid assets, but still self-employed. A&D Mortgage has been just the answer. PJ Harley, the broker with whom I am working, has worked diligently to scout out the best products, best rates, and in a remarkably short time. He always responds quickly to my calls or texts. In short, if you need an OUTSTANDING Mortgage Broker, look no further. I think you've just found it!

I think this company's a joke. My co-borrower and I made NUMEROUS phone calls and sent numerous…read moreemails to A&D Mortgage and to their frequently confusing mortgage loan service contractor during the VERY SHORT LIFESPAN of our loan. We were told conflicting information on more than one occasion, which required MORE CONTACT attempts on our end to clarify the information provided to us. Recently, we submitted a change of address form via email per their live associate, only to find out almost an entire month later the form was "DENIED." The property has since been sold. No one with A&D Mortgage or with their affiliates, ever notified me nor my co-borrower of their decision. I'm assuming these seemingly incompetents disclosed our personal information to the property's new owners/occupants via mailed letters. In fact, I just got off the phone with one of their supposed supervisors who wasn't able to reasonably help me. Instead of resolving the situation, she opted to transfer me to an automated survey line while I was speaking. What a poor excuse for an associate.

Greg was fantastic to work with! Made the closing process easy every step of the way he answered…read moreall questions and was very responsive

You made buying my house extremely easy! I was nervous after speaking with my bank and then was…read morereferred to you from a friend. You provided more options, you made it about me, made me comfortable and excited about the whole process. It felt like you were working for me and because of that, you were able to offer a much lower monthly payment. They can hold my money but you have all of my business. Thank you!

They charged me 4.75% on my condo when the going rate was 3.0%…read more I was recently called. They were very nice, and wanted to know if my home was affected by Hurricane Ian. But beware the sugar-sweet tone of their callers: Translation: Was their collateral impaired by Ian? Why do they want to know that? Well, once the house is damaged, their collateral is no longer worth what they loaned you on it. They can ask for more money from you perhaps, or perhaps call in the loan. Bad enough people lost their homes-- must TMF now make it worse by calling in their mortgages? If they want to know this, they should send out their investigators and underwriters, instead of further victimizing those who lost their homes. Shame on you The Mortgage Firm!

Amazing service! Highest level of professionalism I've…read moreencountered in 30 years in Florida - what a pleasure to deal with competent detail oriented individuals They have truly made my condo buying experience in retirement as seamless as possible! I cannot recommend them more highly- shout outs to Kristy and her team Ashley an Tyler!

We have been working with jon ulin since 2018 and are happy with our financial results. If you are…read morein the market for an honest hard working financial planner who is also a CFP, I highly recommend Jon.

Ulin & Co. Wealth Management have been my sister's financial advisors dating back over 20 years. I…read morestarted working with Ulin (Jon) back in 2019 after a recommendation from my sister following a major life change event layoff from my employer of 27 years. As a conservative and wary investor, I can without question recommend with confidence that Ulin can securely handle anyone's financial affairs for retirement planning and wealth management. He is a a top notch fiduciary with very personalized service (unlike those large brokerage firms) and as such my wife and I are very pleased and fortunate to have the trust that Ulin will guide us through different aspects of our life for investing in our future, understanding our risk tolerance and applying the proper strategy for us to reach our retirement goals.

Josh is the best !! He took action when needed and always had our back and best interest. He was…read morealways available everyday , nights ,weekends etc. I had dealt with other brokers before and never dealt the way he made us feel --like family. He will tell you like it is and is very real. We dealt with so many issues that he always was the one I could lean on and who stepped up to the plate for us in so many ways. Thank you Josh for all you did and I recommend him to anyone !

Go elsewhere for your mortgage needs unless you like to be cheated out of thousands of dollars in…read moreclosing costs. After I got the initial estimate to close I contacted my broker and asked why my closing costs were so high. He assured me that one of his assistants made a mistake and he sent me a new estimate with much lower closing costs. Fast forward a couple of weeks and after asking at least 15 times for our final costs we finally got it out of them as we were driving to sign final docs. We turned around and went home when the number they quoted was curiously close to the original estimate. I asked the broker about the revised estimate and he said "what revised estimate". When I got home and emailed the revised estimate to him he said "yeah, but you didn't sign it". My mistake for not signing it but I made a bigger mistake by selecting Bayburg Financial in the first place. I have done over 12 mortgage loans in my life and Bayburg Financial takes the cake as the "worst ever".

I've had a great experience working with Lynn She is very…read moreprofessional, knowledgeable, accessible, and communicates clearly, making the process easy. We always have lots of questions as the first-time homebuyer, She responded fast all the time . She really cares about her clients and helps us close on our home quickly and efficiently. Would totally work with her again!

If you're looking for the best mortgage lender during the pandemic, you're in the right place. I…read morehighly recommend Lynn and team, they are fantastic and convenient to work with. My experience might be different than others as it's one of my best closing experiences with her team. Overall, my application was processed in less than 14 business days and cleared to close. 2 days: Interest rate locked 7 days: Underwriting process 15 minutes: In person closing at local attorney office (yes, it was simple like that literally walking in, sitting, signing and walking out) The other important point for me was to perform all steps contactless, online and close the majority of documents electronically. I searched for the best mortgage lender and discovered they received a 5/5 rating from nerdwallet.com 2021. Guaranteed Rate is one of my top 3 selections. They impressed me with their latest technology and secured platforms where we can upload and exchange confidential information securely. Plus, I could review documents ahead of the closing date online. Mortgage consultation service: 5 of 5 stars Hybrid closing experience: 5 of 5 stars Online convenience: 5 of 5 stars Rates and fees: 5 of 5 stars Rate transparency: 5 of 5 stars

Review for Kevin My Husband and I are self employed and have…read morealways done stated income loans with high interest rates and on tough terms like ARMs as our goal was always to go conventional. I reached out to a ton of companies and was looking at another stated income loan in the time of covid when many lenders were being strict. I reluctantly answered Kevin's call as I figured he was going to tell me what every other lender had. The first thing he asked after me giving some information was why we needed a stated based on the info I had shared. He promptly informed me that we could get conventional rates based on an asset loan. I put him on speaker phone so my husband could hear and I believe I told him 100 times that it sounded too good to be true and what was the strings attached. He said it was real but I asked him why in my time of 15 years buying homes as self-employed that no one had ever mentioned "this type of loan" and we would be crazy to not try. He made the process so simple and he's such a cool guy in general to speak to. He speaks to you in terms you understand and almost makes it sound so easy that you wonder how it's even possible. Well he proved me wrong and provided on every aspect of the loan. For the first time we have gotten a conventional rate and do not have to pay more for being self-employed. Kevin walked us through the process and it we ever needed anything he was there to help us right away. He was so excited to give us the call when he got our official clear to close. My biggest point in sharing the amazingness of Kevin is simply why dozens of lenders never offered this loan to us and why we never knew it was an option. We could have saved so much money simply by using Kevin a long time passed. He's not just a lender but a true expert and takes passion in his knowledge for ALL loan and All circumstances. I sent many his way already and the few he wasn't able to assist he was honest right away and didn't string them along. If you are buying a home you probably know exactly what I'm talking about with the lenders that promise the world and don't provide. Kevin provides and he truly cares. I'm so grateful that I found him and I will never use another lender as long as we can use Kevin. Morgan was very efficient to work with as she assisted Kevin and they cheered us along as we sold and bought along the way. I cannot thank Kevin enough for giving me that first call and asking me to trust him. Up until the day we closed I was still skeptical but he proved me wrong and I'm happy he did. Basically, Kevin is a magician. Give him a try and TRUST HIM. Thank you for everything!!!!

Never locked in our rate, just a verbal agreement. Did 8 hard enquiries in one month, now we have…read morethe mess to clean up.