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!!

I worked with Mark @Lynx a couple of years ago and the service was so stellar. I went back to Mark…read moreagain. He makes it easy and stress free. I checked mortgage rates all the time and he is always able to surprise me with a lower rate then I previously thought was possible. He represents a lot of mortgage companies so he can always find one for everyone. I highly recommend Markfor everyone you will not be disappointed

Lynx does a phenomenal job at finding the best mortgage deals for the A+ borrower all the way down…read moreto the credit challenged borrow. The loan officers are down to Earth and shoot you straight on the best mortgage options. I highly recommend Lynx.

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

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

Just closed on July 2nd on my very first home. Robert and his team were top notch the entire…read moreprocess and no question was too annoying for them, and i had a lot. I was highly satisfied with their service and they got me a great loan with a great interest rate on my dream house. All i really had to do was sign, they did the hard work for me. Top notch company with above average service. No complaints from me, will absolutely use them if I ever buy again!

From the owner: 3rd Street Financial is a Residential Mortgage Broker licensed in Ohio, Kentucky, Indiana, &…read moreFlorida. We specialize in the Purchase & Refinance Mortgage Experience. We work with all borrowers to insure that they are getting the right mortgage for them. We have hand picked the lenders and providers that we work with to insure the experience is top notch.

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.