Lender may deny your home loan days before closing!…read more Sheer incompetence and inability to follow simple underwriting practices leave buyers HOMELESS! Extremely disappointed! As a seller, we experienced significant issues when the buyers were unexpectedly denied their loan DAYS before closing. The denial was allegedly based on income verification--a critical issue that should have been addressed weeks earlier in the process. Instead, this lender failed to identify and resolve these problems UNTIL the final hour, causing immense stress and MAJOR disruption. Such a lack of foresight and thoroughness reflects POORLY on their professionalism and operational efficiency. The last-minute denial not only caused unnecessary complications for all parties involved, but one can imagine how this type of situation has impacted someone's life! This kind of abhorrent service is UNACCEPTABLE and should be avoided by anyone looking to close a deal professionally, smoothly and reliably. DO NOT leave your home purchase at the hands of Embrace. You are taking a HUGE risk in doing so. They will NOT embrace you, but yet make excuses and provide pat answers. And to think this was a pre-approval too is even MORE concerning. I feel deeply sorrowful for the buyers in this situation and pray they choose lenders with far more ethical standards in the future. Shame on Embrace Home Loans.

Ian, our officer was fabulous. I've reached out a year ago mentioning my situation at the time and…read morehe gave me great pointers for building credit/information on first time home buyer's. Fast forward a year and us getting everything together, we bought a home today!!!He's super attentive and very kind! It was just an overall great experience and I can't thank him enough!

Francki DiFrancesco is a con artist, liar and should lose her mortgage originating license. First…read moreoff, Apex as a company is good. They have an efficient, seamless process and the departments all work together well so that your file is never stagnant. I closed in under 4 weeks which was awesome. The problem was that my loan officer Francki DiFrancesco repeatedly lied and mislead me about working on lowering my interest rate. She was careful to do this by phone so that there wasn't a paper trail and then by the time she admitted the rate wouldn't change, it was too late. I had to close or lose my $14,000 earnest money deposit and my condo. I wish I worked with anyone at Apex besides Francki.

We found Apex Home Loans from our online research. Saw that they had great reviews in the Rockville…read morearea. We decided to give them a try and they didn't disappoint. The interest rate was questionable at first, but we felt more comfortable when my credit union offered a higher rate. Matt Lieberman was very helpful from beginning to end. He answered our questions very quickly. He was also just a phone call, email, or text away. Matt was also very flexible with our schedules since we also work in car sales. I'm also very surprised we didn't have any problems leading up to closing. They did it in less than 25 days! Everything is what we expected! We were also concerned with our commission-based income, but Matt and his team were able to work with us! He assured us 100% that everything should be okay and he was right. We also loved the engraved cutting board gift. We appreciate your team. Thank you Matt, Angie, and Debra!

1st, I have to thank GOD for bringing Ken into my life, through GOD , anything is possible! . I'm…read morestill in awe as I type this review . When I came across Ken, I was sad, angry, disappointed and I felt totally defeated. I called Ken one afternoon and he sat on the other end of the phone and listened to me explain my horrible situation. When I was through explaining a VERY LONG list of problems I had ran into , he simply said , send me your information. I can do loans that many people can't , I can help you. Keep in mind I had dealt with 4 different loan officers that included 4 denials .... After I hung up, I still wasn't sure if I could endure what I had endured the past 4 months and still be somewhat sane. I'm glad that I said to myself, one more try Jamie ... just one more . So I sent him all my info, as I had every document you could think of right at hand . He pinpointed what I needed to do . ONE THING. (TAXES) One simple thing . I did that. Throughout the process of clearing up what was wrong ( took about 3 weeks ) he stayed in touch with me , giving me updates on everything . To my surprise, I woke up one morning to an email from him with a pre approval letter! My excitement was beginning to return ! I found a home . Only it was more then what I originally asked for . The home was in a really good neighborhood and had 3 bids already. I needed a larger approval amount . I emailed Ken ON A SUNDAY asking if I could increase my loan amount so I could put in my bid ... HE ANSWERED ME WITHIN MINUTES ! The answer was YES! I put in my bid. Sellers took a few days to decide, and accepted mine!! On roughly August 7th. I was under contract :) Ken and his team went right to work . I don't know what happens on their end , but I was kept fully informed of every step I needed to know . I would email a question, got an answer within 30 minutes . I must have drove them insane, as I had a lot of questions. Never once did any of the team make me feel as though I was bothering them . Long story short , this last effort , was actually effortless! I closed on my dream home today !! Right in Kens office! His processor Heather was one of the most supportive , knowledgeable people I have ever came to know . Kens knowledge, experience and genuine concern for this transaction was amazing. Please , if you want to buy a home , you would be insane not to contact him and begin your process . You will not be disappointed !!! Thank you Ken, Heather and Tammy for your help . You truly are great people ! I will tell everyone that will listen how experienced yet compassionate you all are . I could never thank you enough!!! You guys ROCK!!!!

From the owner: We are a full service mortgage lenders helping people purchase and refinance their homes.read more

My Second time refinancing with Capital Bank! It's just getting best to the next level of best!…read more Sean was my loan officer and was available promptly on his cell phone, never felt like being pushed or dealing with a big thing like home loan. The whole process was a breeze, with best rate, best incentive and best guy to work with. Sean went every extra mile to make sure i am happy with the process as it goes and also gave great pro advice as required. Will definetly be back next time when i am in the market for Home Loan. Thank you Sean & team

Was interested in refinancing so I did some research and also gave Brent Mendelson of Capital Bank…read morea call. Brent was responsive, explained the process, and made it super easy to get a great rate with low costs AND help us to quickly close on our refinance. The only disappointment - we weren't able to beat Brent's 9-day start-to-close record! The Capital Bank website and portal to support the loan process were also user friendly and quite good. If I have ever have home financing needs again I will be sure to look at Capital Bank again and/or call Brent Mendelson. Full disclosure - this is the second loan where I've worked with Brent (first was for first-time home buyer house purchase). If you cannot tell based on my repeat usage I would highly recommend that anyone interested in a home loan reach out to Brent. If you don't have a loan guy, Brent should be your guy!

Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

Over the years, we have worked with Brian on multiple home mortgages. His expertise saved us a lot…read moreof money and helped us get the loans we needed to eventually buy our dream home. He went way beyond our expectations for service and helpfulness throughout the process. He continues to provide excellent counsel as we have investigated refinancing our mortgage and buying a second home. As others have also said, I cannot recommend him highly enough.

I've found the mortgage company that I'll use for life…read more They're a relatively new company, and that may be one of the best things possible because all their attention is on serving their new customers. Ming and Stanley truly went above and beyond when it came to service and we're even friends outside the business now. They were able to find me a plan that best served my situation (which was one with bad credit) and found a great rate. It was ridiculous. I'm truly blessed to have found them because they're actually on your side. I was so confused about how to buy a house and all that jazz, but they were able to explain it to me and tell my best options. I went to open up an account the other day at a bank that I shall not name, and you could just tell that you were another number in the quota that they had to fill. You don't feel like that at United Mortgage Plus. They care about you, and isn't that what customer service is about? If you're looking to buy a house, or want to explore your other options, you honestly can't wrong with Ming and Stanley. They're so friendly and know their stuff. Truly blessed to have found them. Glad I could give them a shout out and be their first review on Yelp!

If you want a great mortgage rate, this is the place to go. Stanley worked with me to get me a…read moregreat rate even though my credit isn't the best, he was still able to get me a mortgage loan that was 100% financed. I recommend him to anyone looking for a mortgage loan.

Worst Non-QM wholesale and retail company out there. Over conditioning, high rates and slow turn…read moretimes. Stay away!!!!!

ACC (All Credit Considered) Mortgage establishes an opportunity for non-qualified individuals to…read moreobtain mortgages at plausible rates, with the lowest down payment of 15% when compared to other banks. These non-qualified individuals range from foreign nationals to DACA recipients such as myself, and even immigrants who pay taxes and utilize an ITIN. Upon reaching out to this company, I was immediately connected with Senior Loan Officer Hubert Rivera, who was very insightful and responsive throughout this entire process. In this current market (2021), obtaining a home at asking price was often very difficult. Mr. Rivera expeditiously sent over pre-qualifications and run downs of mortgage costs for all of the properties we came across and made offers for, despite facing constant rejections. Upon being accepted as a backup offer after losing hope in purchasing a property, Mr. Rivera immediately begun his paperwork and sent over all of the documents needed for signing. There were times where Mr. Rivera was unavailable and unable to return messages, which was understandable due to the high volume of paperwork he was processing. He did go above and beyond his duties as a loan officer by breaking down the process of purchasing a home and drafting up a list of all the items I would need to present in order to obtain clearance from the underwriter. Throughout this entire process, my mortgage became very close to falling through on numerous occasions. I was often scared by the many reviews left by individuals who have conducted business with this bank stating poor experiences and major problems. Despite this, I took a leap of hope and placed my full trust into Mr. Rivera and his loan processor, Rosalia Gramegna. These two individuals possessed the foresight to see potential problems with my loan application and were able to rapidly develop solutions to overcome them. Ms. Gramegna was very responsive as well and returned my emails as instantly as she received them, answering all of my questions with detailed information and a hint of warm and kindness. Despite my closing date being pushed back on numerous occasions due to minor faults in our paperwork and some delays from the other party, the team at ACC mortgage was able to move my loan for closing as soon as they obtained the clearance necessary to do so. They were able to make my dream of purchasing a home for my family come true; I will forever be in their debt for their tremendous efforts. HOWEVER, It is very important to note that in order to make this possible, you have to be willing to commit to the process and be extremely responsive to their requests. You must be diligent in returning their emails and providing them with an abundance of information necessary to clear your loan. THERE IS NEVER TOO MUCH INFORMATION TO PROVIDE TO AN UNDERWRITER. The documents to be presented to this bank must be neat, organized, detailed and accurate. The role of the consumer in this mortgage process is just as important of that of the bank; YOU HAVE TO BE WILLING TO GO THE EXTRA MILE TO OBTAIN THIS LOAN. REMEMBER, THIS BANK CATERS TO NON-QUALIFIED INDIVIDUALS, THERE WILL BE EXTRA STEPS TO TAKE IN ORDER TO RECEIVE THIS MORTAGE. In the end, ACC Mortgage is making a major difference in the non-qualified/immigrant community as they are allowing those who work hard and save up to obtain the home of their dreams. Thank you once again for making this possible Hubert and Rosalia :)

I have now used Apex Home Loans three times for mortgage services (two home loans and one refi) and…read moreeach experience we've had has been enjoyable and stress-free. They do a great job of coordinating the small details with our agent, title company, etc. and made sure we received ongoing updates throughout the entire process. Any time we had a question, the Craig's team was more than happy to spend whatever time was necessary to address our needs. I've already recommended Apex to family and friends and would continue using their services in the future.

Searching for a lender to buy your first home is intimidating. Let me make it easy for you…read more Choose Apex. I spent many hours researching the various options, and my husband and I took a chance on Apex because of its local experience and its promise of great customer service. We couldn't be happier with our decision. Choosing a lender is not only about the lowest rates, though Apex is in line with the market, you also need to trust that they can shepherd you and the loan through the complex path to closing. Apex can and make it feel easy. Apex took care of us from the day I requested a quote through their website. Jon Ingram contacted us within hours and scheduled a phone call later that afternoon to discuss our options and the process with Craig Strent, the CEO. Craig was informative and patient with our questions. We never felt like we were imposing on his time. Jon did a great job taking care of everything through our entering a ratified contract for a property, and Amy Smith took point through the closing. They both were amazingly responsive throughout the process. Nothing makes a first-time home buyer feel more at ease than being able to get an immediate response on anything that arises. The entire process was smooth, and I am happily typing this from our new home.

If I could give a zero, or minus zero even, I'd select that…read more We are survivors of the Eaton Canyon fires on 1/7/2025. We need more funds released to us from the escrow account RoundPoint is holding with money dispersed to us by our insurance company to rebuild our home. After 72 minutes of being passed from pillar to post in their 'Customer Torture service line', we finally got to a real person after begging and pleading. We flagged our case as urgent, and still no reply. We are losing hope, and this is adding distress to our already fraught emotional and mental state.

I think Roundpoint is flat out stealing insurance claims checks like a 3rd world scammer. This is…read moreinsane. They deposit it in to their escrow and collect interest and or use it as collateral to possibly obtain cheap debt? I don't know but they refuse to disperse the checks back to the customer or pretend they are missing documents or delay the inspection, or delay delay delay whatever they can indefinitely.. . This is probably blatant fraud / grand theft / bank fraud being guised as incompetence. Check all other reviews confirming it. We are months in of having our insurance claim check stolen from them. I cant believe this is a mortgage company on US soil doing this. *Update - I have finally received the check. To anyone having their insurance checks held.. I threatened to sue them and get a lawyer involved and gave them a 30 day notice to complete this process. (Which in reality was already completed for months). While simultaneously reporting them to their parent company (two harbors) whistleblower department for fraud. Miraculously the checks arrived 6 days later. While I am thankful I am not going to get a lien on my house from contractors and they finally handled this. This was very scary the way it was handled by them and a very clear pattern of them doing this from every single review on here confirming what I was experiencing. I don't know what financial gain may or may not be happening from this but clearly they were trying to hold the checks for as long as humanly possible. I think they are trying to hide behind a mask of incompetence. If this is not blatant fraud on their part... it is the most incompetent company on the face of the planet handling billions of dollars and peoples houses and livelihood that we cannot opt of. If their pattern of this extremely suspicious behavior is corrected and I Start seeing reviews of them handling insurance claim checks in a timely manner, I will update, and re-adjust review accordingly.