As a first time home buyer, Jim and Chanda answered every question and were excellent in guiding me…read morethrough this process. Jim kept telling us, "Enjoy it, this is the fun part!" And we did. I'll say that they took a process that could have been a nightmare and made it quite enjoyable. Thank you so much guys! -Jack and Angie

I used Kyler to purchase my first home with a VA Loan. Home loans are so much work. But thankfully…read morehe is the one that did 95% of it. My credit score was only a 630 I believe. He made it happen! He actually got me a great interest rate to start out. He walked me through every process and did not sugar coat anything. After less than a year he called and asked if I would want to refinance at almost a point lower at a 3.65%!!! So we did that together. Cost nothing out of pocket. Someday I will be buying again and will not hesitate to call and have Kyler work for me again!!

The mortgage process was unnecessarily chaotic, stressful, and mishandled to such a degree that it…read morenearly caused the entire transaction to collapse. The primary source of our issues was our loan officer, Jennifer Funke. Her repeated misinformation, poor communication, lack of professionalism, and inability to manage the process competently nearly cost us our new home. From the very beginning, the numbers we were given changed repeatedly. The money requird at settlement changed to over $6,5000.00 higher than what we were quoted at the time of signing the contract. We brought it up, Ms. Funke made some excuse. We received a substantial refund at settlement because the figures had been miscalculated by her. Next, the timeline for when funds were required changed over and over again. We were first told funds would be needed at closing, then 30 days prior, then 60 days prior, and eventually that funds were needed immediately just to remain eligible. Because of these shifting requirements, we were forced to borrow against my husband's 401(k), which would not have been necessary had accurate guidance been provided from the start. The document process was equally disorganized. The upload portal malfunctioned multiple times, and despite requesting a complete list of required documents so we could prepare proactively, we were told that no such list would be provided. Instead, documents were requested piecemeal over several weeks, often with urgent deadlines, creating repeated unnecessary emergencies. We also received inconsistent guidance regarding qualifying income, interest rates, appraisal fees, homeowners' insurance deadlines, underwriting status, and settlement dates. We were repeatedly told we were "approved," only to later learn those approvals were conditional and not final. We were asked to move forward with builder meetings and production milestones while still lacking clear loan approval status. One of the most serious issues involved my student loans.We spent extensive time resolving an issue that resulted directly from incomplete and changing instructions. Matters worsened when settlement dates were repeatedly moved forward against our stated wishes and readiness. We had clearly communicated that December was our intended timeframe, yet November dates continued to be pushed. We were then threatened multiple times that if additional documents were not produced immediately, our closing date would be moved or loam approval denied. The most unacceptable moment came the day before our scheduled closing, when, after months of assurances, we were finally told the loan was rejected. This information should never have been withheld until the final day. When I understandably expressed frustration over the mishandling of our loan, Ms. Funke responded by yelling at me over the phone, blaming me for the problems, and hanging up on me. That behavior was profoundly unprofessional and entirely unacceptable in any customer-facing role. Fortunately, with a third-party lender, we were able to secure financing elsewhere in approximately two weeks after NVR Mortgage had more than three months to complete the same task. We ultimately closed on our home despite NVR Mortgage, not because of it and at the originally closing timeline of December. Four months later, I remain deeply disappointed by this experience. Purchasing a home should be exciting; instead, NVR Mortgage made it exhausting, confusing, and emotionally draining. It was like a roller coaster ride. So many times my husband and I made the comment to each other "It's like they have never sold a house before." because that is what it truly felt like. Again, I would happily recommend Ryan Homes based on the professionalism of their staff. However, based on our experience, I would never recommend NVR Mortgage.

I am currently in the process of building a home and looking at NVR Mortgage (who partners with…read moreRyan Homes) for the loan. Throughout the process, closing costs seem to just keep being added and added. We're supposed to be getting an over $15,000 sellers credit for using NVR mortgage through Ryan homes, however, it doesn't even cover closing costs anymore! They also claim to be giving us a lower rate, however, all they did was put more money on the closing costs to buy down the rate and acted like it was a deal. I will continue to add to this review as the process goes on so no more first time home buyers have to stress over shopping for a new mortgage 60 days out! I've requested a call from a supervisor as well. Oh, and if I'm not mistaken, NVR Inc owns NVR mortgage and Ryan Homes so the sellers credit literally does nothing except pad the bottom line for both companies so they can fluff up closing costs through subsidization from their sister company. Update: 1/27/23 @5:44pm supervisor confirmed everything above is true and that they're not going to do anything about it. So don't take the bait on these guys when they offer you a sellers credit! There is literally no reason to use these people to service your mortgage. It has completely ruined our first home buying experience and may cause us to mess with our timeline now. I will be reporting to BBB as a first step

Justin Epure Told me…read moreeverything was moving fine on our house. Paid for inspection, appraisal, earnest money...... DENIED ME HOURS FROM CLOSING!!!!!! Would not communicate with me. Sent someone else to tell me. Left me and my family stranded. Left the seller in a bad spot. 45 DAYS OF NONSENSE!!!! HORRIBLE!!!

From the owner: We are a residential mortgage lender. We take care of our customers by upfront underwriting…read moreapplications in 6 hours, process those files in 7 days and a one day closing.

Amazing service, the staff is friendly and professional! Help walk us through all the steps…read more Understand what we needed before we did.

We were referred to Steve Maloney by our realtor. Being first time home buyers, this process was…read morereally nerve wracking. We had just added a puppy to the mix, and just a couple months later found out we were having our first child! Luckily Steve stepped up the plate and wanted to get us as comfortable as possible with our homebuying process. He would answer phone calls late at night (not recommending you do that), text and or email back with very in depth answers very quickly, and gave us advice along the way. Now I am a stickler for spending money. Kaleigh, not so good. So I am practically freaking out starting into the actual loan estimates. A few days later Steve had called and said he had a deal we couldn't pass up. We qualified for a development loan that helped us out exactly how we needed. Thank you to Luke Linville (our realtor) for the referral to Steve. And a HUGE thank you to Steve and the Prime Lending Group! We couldnt be happier with how everything turned out. I recommend them to the fullest. Nobody else.

From the owner: Specialties PrimeLending is a national mortgage lender that…read moreprovides a wide array of loan products, including fixed- and adjustable-rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. We offer a variety of home loan programs for a range of credit scores and with various down payment options. Since 1986, we've helped over 500,000 homeowners buy a new home, fix up a current home or refinance. If you are in the market for a home loan, we can help you make the right decisions and have a rewarding experience along the way. For us, it really is Home Loans Made Simple®. Equal Housing Lender. History PrimeLending is a national residential mortgage lender with nearly 300 locations across the U.S. and the ability to originate loans in 50 states. Offering hundreds of home loan programs to cater to a variety of needs, PrimeLending is dedicated to making the home loan process simple, clear and timely.

Phil made what could have been an overwhelming process feel completely seamless from start to…read morefinish. His knowledge of the mortgage landscape is unmatched -- he took the time to explain every option available to us and helped us secure a rate we didn't think was possible. Phil was always responsive, keeping us informed at every step and never leaving us wondering what came next. His professionalism and genuine care for his clients truly set him apart, and we couldn't be happier with the outcome. If you're looking for a mortgage lender who will go above and beyond for you, Phil is absolutely the person to call!

My son recently purchased his first home and knew very little about the mortgage process. Phil and…read morehis team took more time than I could have hoped for making sure that everything was very understandable. It is scary to spend so much on such a large purchase, but Phil made the entire process feel safe and thorough. Phil presented us with multiple choices for mortgage structure and payments so Jax and I could make an informed choice for his financial future. Thank you to Phil and his team for helping make this big life step as painless as possible for my son and for me. I wouldn't go anywhere else for a mortgage.