It is ironic that as a former client and pretty fiscally savvy consumer, I got ALMOST TRICKED by…read morethis mortgage lender into giving up my 3.5% and 15 year mortgage, with 12 years left, into opting for a 5.5+% and 30 year term, which would have cost me in interest $96K+. This is while there was more than $200,000 in the home equity, which even at 70% LTV would have been more than enough to get me the cash needed to fund a home improvement project. I called the lender Friday before the scheduled settlement when I did not recognize certain charges on the settlement sheet. It turned out to be a previously undisclosed fee. That raised HUGE Red Flag. In fact, SECOND RED FLAG. The first one was when the lender said they will service the loan themselves. Usually such outfits make money by promotly selling the note to another bigger lender. When I refused to proceed with the settlement, which is every consumer's prerogative, all the hell broke lose. Lucky for me, I found anothet lender, willing to tap into the home equity, for me to avail $86K at 5% for 5 years. Or below Prime, for 3 years. And, of course, no prepayment penalty. I cpuld pay it off in 14 months, saving $79K in interest. Beware of the sweet-talking lender, and do your arithmetic. You will be wiser for it.

I've used Eric Short's services twice over the past decade. His is very personable, knowledgable, &…read moredefinitely goes the extra mile.

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.

We recently completed the purchase of an NV home in Delaware. During the purchase process, we were…read moreencouraged to use NVR Mortgage to handle the mortgage process. NV Mortgage also offered reasonable closing cost incentives to go with them. As I understand it, NV Homes will not begin the construction of a home until the buyer has been fully vetted and qualifies for the mortgage. Thus, when combined with the closing cost incentives, using NVR made sense to us. The upside to this approach is that the new homes are not being built as 'spec' and the likelihood of a later mortgage default by the purchaser may be lessened. The downside is that the initial mortgage approval is 4-6 months prior to closing, so that all the mortgage application paperwork must be updated and resubmitted about 30-45 days prior to closing. We worked with Susan, Sherry, Martha, and Lucia at NVR Mortgage and they were all very helpful in getting us through the mortgage approval process. Knowing what we know now, we would do it all again if we buy another NV Home.

If you are considering using NVR Mortgage because of the builder incentives, I strongly encourage…read moreyou to read reviews across multiple platforms before making your decision. While the financial incentives may be attractive, it is important to understand the experiences that many borrowers have reported. We are not first-time homebuyers, and we fully understand that the mortgage process can be stressful. However, our experience with NVR Mortgage has been far beyond what we have encountered with previous home purchases. We were pre-approved in February, paid our deposit, and our home was completed on schedule. Since then, however, our closing has been delayed multiple times. We are now on our fourth scheduled settlement date and still have not received final clearance to close. Throughout the process, we have repeatedly been asked for additional documentation--often the same documents multiple times. Each time we believed we had satisfied every request, another last-minute request would appear just days, or even hours, before the scheduled settlement. The constant cycle of document requests has been emotionally exhausting and incredibly frustrating. What has been most concerning is the repeated contact with my husband's employer. NVR representatives have requested the same employment and commission information multiple times, despite the employer already providing it. At this point, the frequency of these requests has become excessive and has created unnecessary stress for both us and my husband's workplace. Equally disappointing has been the lack of communication. When we asked why additional documentation was needed or sought clarification about the underwriting process, our questions often went unanswered. Communication became inconsistent, making an already stressful situation even more difficult. Fortunately, this is a second home for us, so we are not facing the immediate hardship of being without housing. I cannot imagine how devastating this experience would be for buyers who have already sold their homes or whose moving plans depend on closing on time. To anyone purchasing in the Delaware beach communities--or anywhere else--I recommend carefully evaluating all of your mortgage options before committing to NVR Mortgage. Every lender has underwriting requirements, but our experience has been marked by repeated document requests, multiple settlement delays, poor communication, and a level of customer service that fell well below our expectations. I believe prospective buyers deserve to be aware of the challenges we encountered before making their decision. Oh, today was our 4th settlement date, and we are still in limbo......