Closing was pushed back twice. Never was I given a clear explanation of why the delay happened in…read moreboth cases. Poor communication. If I was not on top of the process, I would not know how the process was going on. In overall, a bad experience and would not recommend it.

Sellers beware! We were selling our home and Homespire was…read moreour buyer's chosen lender. We were told that buyer was pre-qualified, and for the whole month before closing, Hopespire has been telling our agent that everything looks good and that they were only waiting for a couple of updated documents from the buyer. THREE DAYS BEFORE CLOSING, we were notified that the deal fell through because the buyer couldn't secure a loan! We were told that lender found out there was a mistake in buyer's credit report!? I simply can't understand how such thing could happen after a month of "everything looks good"?? We didn't even get to keep the honest deposit and now have to put our house back on the market and start allover again. Worst experience ever.

Curtis was a joy to work with. He gave us the best rate after comparing multiple lenders and was…read moreextremely knowledgeable. He responds quickly and took the time to answer questions in detail. This is our second house and I actually understand the process and requirements much clearer now after working with him. I would highly recommend him to anyone!

I've done 2 mortgages and a refinance with Curtis and in my opinion, there's nobody better in this…read morebusiness. He's honest, transparent, and most importantly, KNOWS HOW TO GET THINGS DONE!!! I've referred him to several friends including my own mother. Everyone that I've referred him to has had the same exact response - Curtis is the best.

We used Todd and his team for our first home. Being first time buyers, Todd was able to explain…read moreeverything to us and he was extremely responsive. Todd and his team were on top of it which is extremely important in an ultra competitive market. Each time we bid on a home, Todd had a pre-approval letter ready to go in with our offer on short notice. When we won our bid on our home, Todd and his team handled everything to ensure we could close in less than a month. They worked with us and we were still able to travel internationally while getting everything done for our closing date. You can shop around all you want, but nobody is more responsive and will get you the rates Todd will. His team was a pleasure to work with too. Highly recommend!

Todd and his team at First Home Mortgage went above and beyond in helping us with a complicated…read morerefinancing process. We received several referrals and Todd not only got us the best rate but even worked with us on additional ways to save some money as the process went along. Natasha on his team has amazing attention to detail and kept the wheels turning as the underwriters requested mountains of information. I would highly recommend Todd Pede and his team if you are buying a home or refinancing an existing loan.

Tim Kelly and his team have been impressive from the start. This has been my wife and I's first…read morehome-buying experience and we were referred to Tim and Highlands Residential Mortgage and they made the process clear, understandable and a lot less stress than I would have assumed after hearing horror stories from other friends who have bought homes. Tim and his team sent regular updates as well as informative videos detailing the steps in the process as we went through getting our loan and purchasing our home. Tim went an extra 7 miles by creating short videos specifically to my wife and I, answering questions we had emailed him and he was also always communicating his availability to us if we had questions or concerns. I couldn't imagine someone having a better experience and honestly, just read the emails and watch the videos and you will be well informed and then get the requested documents to them via their app or email and you will have a great experience too!

My wife and I had an incredible experience working with Tim and his team! They were very…read moreknowledgeable and quick to respond to all of our questions as we purchased our first home. I look forward to working with Tim again in the future!

Masoud is everything you want in a loan officer. He was very prompt and responsive from the start,…read moregiving me an amazing rate with no points. It just kept getting better after that. He and his team were fast and clear about what documents they wanted, processed them as quickly as I could send them, and got the loan ready to go like a week before closing despite my fairly aggressive settlement window. Masoud and his team kept me informed every step of the way and provided a lot of experienced advice. Trying to get a deal to closing is stressful enough, Masoud made sure getting a mortgage does not further add to that. Fantastic job.

Fast and easy refinancing with best rate. We recently refinanced our primary home and investment…read moreproperty with Your Home Now. They were easy to work with and offered the best rate around, we shopped for a rate with several other companies and banks. They provided clear information on their rates and fees upfront, and patiently answered all our questions. Closing was easy with no surprises. Would absolutely use them again

I'm a part owner of a business, which means i don't get a steady paycheck or a W-2 at the end of…read morethe year. Getting mortgages or refinancing has always been a challenge. Debbie Gratacos and her team at Your Home Now Mortgage (YHN) we very attentive to my situation in helping me secure refinancing for a rental property. They know the market, they know which way the rates are moving, and they guided me to an excellent refinancing vehicle at a great rate. The white glove service was exceptional, and they always followed up patiently, which is commendable since I'm always focused on my business and tend to miss important messages regarding my personal affairs like refinancing. I give a five-star recommendation if you're looking for financing and a team that's laser-focused on providing the best service, candid advice, and the best rates at reasonable prices. Debbie, thanks to you and your team. I'm sure I'll be using you again in the near future!

I wish I could give this sham of a company zero stars…read more Unfortunately, I was a client of City Lending in pursuit of a mortgage for my first home purchase. We worked with Loan Officer Kennedy and his team for this loan. The service was pitiful and I am in shock that we were able to close on our home. We put the offer on this house May 15th and were accepted on May 20th. Kennedy and his team began working on our loan and based on email threads we received, it was clear that for a good chunk of time, between May and June, nothing had been completed on the papers. My fiancé and I were actively replying and quick to send any documents requested, typically with a 24-hour turnaround time. We were set to settle on June 24th before my fiancé and I had to leave town for a work trip. That gave the team about four and a half weeks to complete our loan. From the beginning, Kennedy knew that we were using the MD Smart Buy Program and promised that it would be cleared within days due to a contact he had at the state office. Weeks went by where we only heard from the underwriter and on June 17th, a HOLIDAY weekend, the underwriter urgently calls us at 3 PM asking us to submit a BRAND NEW 20-page document ASAP as it was needed for the state application. WHY this document wasn't sent to us WEEKS prior - I do not know. My fiancé and I were out of town with no access to the files and resources needed to fill this out. Sadly, it was a holiday weekend and Monday then became moot in terms of submission to state as nobody was working. Now, we are heading into a 4-day work week in which our state application has YET to be submitted and we are supposed to close Friday at 9AM. Kennedy and the underwriter go silent and say they've submitted it to the state, despite their claims the application was done"2.5 week prior". Once the state confirms receipt, the state asks for additional information that was missing from the initial submission. Again, this was information Kennedy and the underwriter failed to request from us in advance of submission. Now, it's Friday AM and we are not closing on time, we are asked to push until 3 PM. Kennedy writes again stating that we are not closing and the best he can do is Monday, but told the Title company Tuesday. He was not transparent at ALL throughout this process and every day that went by felt even more like we were being lied to. Eventually, Monday rolls around with no settlement and more lies/evading the truth. Tuesday rolls around, same story. At some point Tuesday, someone from City Lending called the LISTING agent and told them lies that we were refusing to come to settlement, escalating the entire situation even further. The sellers were depending on our purchase for them to go and purchase their new house. At end of day Tuesday, the state replied back to Kennedy and his team that there were 27 outstanding items on the submission they sent in. This was a variety of incorrect dates, mistakes on their part, and missing documents. End of day Tuesday the revised application was sent back to the state. Eventually, we get the email the state has reviewed and accepted the application and now it is back to City Lending for final review and to the title company. Wednesday AM rolls around and we are hopping on another flight having to reschedule our fourth notary appointment due to City Lending lack of urgency and competency. We land in our new state and now have an afternoon appointment with a notary. Our title company has yet to receive the paperwork for review before they can release it to the notary company for print then travel to our meeting location. After 5PM EST, the papers are in and by the grace of God and a very kind Title Company executive, we sign our paper's This chaotic story should convey how poorly handled this situation was. City Lending should be ashamed of their business practices. This is not how your treat clients who are eager, ready, and quick to provide documentation. I will NEVER use their services again and I will be sure to let any person buying a home know not to pursue this business. The fact we even had to pay the lending team sickened me to my core - the only thing we got out of this was a week of pure stress, a ruined business trip, and many burnt bridges. Do yourself a favor and do not use City Lending.

City Lending helped me get a condo in miami. They have good people working for them. Stephanie is…read moreas professional as they come. She is great and knowledgeable. Yanine is great also. We had ups and downs and it seemed like we were doing things over and over again. Eventhough at times it was rough dealing with them and sometimes it felt like they were unorganized, my loan was still processed in a timely manor. They did put in hours and effort last day to get everything done so I would have my closing on the original day. I would recommend them.

If you don't mind the high fees for services then I think it could be very good. Unfortunately, I…read moream not wasting a large portion of my retirement money on a 3rd party. They are personable .

I have found Momodou Bojang to be such a caring person . He is genuinely concerned that I get the…read morebest financial advice especially since am nearing retirement. He knows the federal program inside and out and will protect me from making a big mistake! And the big picture ? I am making money.