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    Mike Noghrehkar

    5.0 (1 review)

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    6 years ago

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    Franco Manueli - Mason-McDuffie Mortgage - Annual Awards Gala for Top Producers Nationwide

    Franco Manueli - Mason-McDuffie Mortgage

    (118 reviews)

    I've known Franco for over 20 years he is reliable dependable and very articulate…read more I have used his services on countless properties that I've owned in the past and my recent purchase here in Florida. With that being said he has closed my homes from Vegas to Florida. My own mother uses his services as well and she always has been satisfied from beginning to end he is very professional. I believe he takes away the stress of the buying process or investing process by explaining things in detail. If you need a mortgage I highly recommend him five stars is not enough . Thank you JamesZito.com

    I chose this loan officer specifically because of the strong reviews and because I wanted…read moretransparency on rates and costs. That's not what I got. Early in the process, I was given the clear impression my rate would fall in a certain range. When the actual disclosures arrived near closing, the zero-point rate was substantially higher, nearly a full point above what I'd understood, and the version I received had thousands of dollars in discount points built in that were never discussed with me. When I raised the discrepancy, I was told it was "the market" and given explanations about what online rate averages "really mean." None of that held up when I checked published data myself. To be fair, the file was handled competently and closed on schedule. But I had to push, repeatedly, before I was shown the full range of rate, point, and credit combinations available to me. My advice to anyone shopping here or anywhere: 1. On day one, ask for the full rate sheet in writing: every rate paired with its exact points or lender credit. Not a verbal quote. Email or PDF. 2. Any time someone quotes a rate, ask if it includes points, and how many, and get the answer in writing. 3.Take that written sheet and shop it with at least two other lenders or brokers. If someone won't put pricing on paper, that tells you everything. 4. Never sign a fee disclosure with points you didn't explicitly agree to. You can decline and restructure at the zero-point rate. I did, and it saved me thousands in cash at closing. Good ratings don't mean you can skip the paper trail. Get everything in writing.

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    Anthem

    So far Rock on refinance experience. Still waiting on the close date but hopefully we get ther next…read moreweek Ron Simmons

    I rarely leave reviews, but I feel compelled to share my experience in hopes that it helps future…read moreborrowers. I began my cash-out refinance at the end of May with the expectation that the process would move forward in a reasonable amount of time. Instead, it is now well into July, and my loan still has not been finalized. The most frustrating part has not even been the delay itself--it's the lack of clear communication. For the past couple of weeks, I have repeatedly been told that my file is "with underwriting for final review" and that we are "just waiting for final sign-off" before being cleared to close. Unfortunately, I have heard essentially the same update over and over without any meaningful progress or explanation. Throughout this process, I have promptly provided every document requested of me. My appraisal was completed, the FHA case number issue was resolved, and every time I ask for an update, I continue to receive the same generic response that we are almost there. If there is a specific issue holding up my loan, I believe that should be communicated honestly and transparently. If there isn't, then the file should be moving forward. Buying or refinancing a home is already stressful enough. Borrowers deserve timely communication, realistic expectations, and straightforward answers. Instead, I have spent weeks wondering whether anything is actually happening behind the scenes because I have received very little information beyond "it's still in underwriting." At this point, if I were not already so far into the process, I would have seriously considered taking my business elsewhere. I understand that delays can happen in the mortgage industry, but keeping customers in the dark for weeks with little more than repeated assurances is not acceptable customer service. I hope the company takes this feedback seriously and works to improve communication and accountability throughout the loan process. A simple, honest explanation goes a long way and would have made this experience far less frustrating

    Mike Noghrehkar - mortgagebrokers - Updated August 2026

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