I am so very pleased that we chose to go with Churchill Mortgage for the refinance of our home…read more Jenny Tran was our home loan specialist and she was great to work with! She was very knowledgeable, and she really helped us determine the best option for our particular refinance situation. Jenny made herself available for any questions or concerns we had, and she answered calls, texts, and emails, even after hours. We are very pleased with the service we received from Jenny. She was always very courteous, professional, and kind. This was a breath of fresh air compared to other experiences we'd had with other mortgage companies in the past. Jenny truly went out of her way to ensure we had a great experience with Churchill. I'm also very impressed with Churchill Mortgage in general. The website was very easy to use, and I liked that when logging in, you always knew what step you were on in the mortgage process. I also liked that you could upload any required documentation directly to the website versus having to email documents back and forth to different individuals. The Churchill staff was great in keeping us on track, and we breezed through the process. I was expecting to close our loan in 45 days or 60 days or more, but the whole process only lasted 30 days from the time we inquired until the date we closed. It was a very easy, painless, process and I'm very satisfied with how everything went for us. I HIGHLY recommend using Churchill Mortgage for either a mortgage for purchasing a home or a refinance. They are awesome!

From the beginning I said I needed a construction loan, and that I chose them because they were…read morelisted as a preferred lender for a USDA rural construction loan. However, they seemed to have forgotten who I was or what I needed. Finally, Seth said he'd never processed a construction loan and wasn't even sure if Churchill did them. I got the run around for six months before firing them. I still need a rural construction loan.

Keith is very knowledgable and willing to share his expertise in a way you can understand. That…read morealong with his getting the job done is why I would use Keith again and again!

We weren't sure if our move to Franklin, TN was going to work. Between rising interest rates, the…read moretough market, and being self-employed, it felt daunting. Keith Collins and his team completely changed that for us. Keith took the time to really understand our situation, walked us through realistic options, and worked incredibly hard behind the scenes to make something happen that we truly didn't expect was possible. Communication was clear and honest, which made a stressful situation so much easier. We're grateful and will absolutely work with Keith Collins Mortgage again in the future. Highly recommend to anyone who thinks their situation might be "too complicated."

Josh with the Phillips team at Churchill Mortgage was excellent to work with. They helped me secure…read moremy mortgage as a first time homeowner and had an answer for any and every question I had as a first time buyer. I truly value he and his teams expertise throughout the entire process. They understand how buying a home can be somewhat stressful so they made sure to handle any and everything they possibly could in order to put me at ease. I highly recommend the Phillips team if you plan on buying a home.

Amy and the team were always very quick to respond, very helpful in answering our questions and…read moreclarifying when we were unsure. They made modifications for us through the process and ensured we were satisfied. We have before, and will continue to recommend her to friends looking for a mortgage company.

I switched to Cadence Bank about 18 months ago. Previous to Cadence, I had only been with large…read morebanks. Overall I'm satisfied with my experience. Here are the benefits I've experienced: No minimum balance (or it's much lower vs other banks- like $500) or if you sign up with Direct Deposit to qualify for: Free checking Free check ordering Free Online banking Free ATM Fee refunds Free Downloads to Quicken Free bill pay (I don't use this though) But what means the most to me... The workers know my name/my wife/ and family names when I come in!! Personal touch. Quirky: -They use Discover DEBIT Cards... Haven't had an issue yet (costco, etc run it as debit (pin) even though they don't accept Discover) -Cadence has true banking hours To Be Decided: -Cadence has been buying many banks. As a result, they have more of a corporate feel than they use to but still personal feel! -They just released a new app for online banking called Fluent. Haven't used it yet. I did use their older app. Was good for basic banking info. The new one also has a "flash deposits" option. Final Verdict: All in all, I like banking with Cadence. I still have an account with Regions and really prefer the "local feel" in the Cadence Branch. All the free banking perks are nice as well. If you can handle traditional bank hours give Cadence a shot! Please thumb up/comment if you liked this review and I would count it a privilege if you chose to follow me as I review places I travel and visit. Thank you for taking the time to read! ~mp

The communication between team members was all over the place when I was in the home buying…read moreprocess. It was inconsistent and multiple people asked me for the same documents over and over again. Then 4 days before closing they said they were declining our loan due to low reserves on the HOA. Why was this not confirmed on the front end about the HOA? Why wait till the very end of the entire process to find that out?

Me and my wife were excited to move into our new home, but our entire move in experience with…read moreMarshall Reddick has been extremely frustrating. From the very beginning there were issues that should have been handled long before we arrived. First, the security system situation was honestly unacceptable. I was told in writing that there was no alarm system installed. I still have those messages. Then on move in day, when I walked in with my new keys, the alarm immediately went off. I was never given a security code, no instructions, nothing. They also never communicated to me that the security system code was the same code as the house code. The alarm was blaring and warning that police would be alerted, and I had to literally guess that the house code might disarm it. Thankfully it worked, but being told the system didn't exist and then not receiving a code made for a very stressful and unnecessary situation. Next, basic maintenance in the home was not taken care of. Every smoke detector was low battery on move in and I had to pay out of pocket to replace them. Both HVAC air filters were extremely dirty. They eventually mailed a filter, but that does not fix the fact that this should have been handled before we moved in. We also did not have any bathtub plugs, which they sent after I requested them. The fridge water was turned off, so my father in law had to pull the fridge out to get it working. The fridge light bulb was out, and while they offered to reimburse it, again this is something that should have been ready on move in. With our thermostat, it would have been helpful to be informed of the make and model ahead of time so I could at least look up how to use it. This particular smart thermostat was not nearly as simple to figure out as it might seem, especially with no instructions provided, and the battery in it was dead as well. Having to troubleshoot and research all of this on move in day added even more unnecessary stress. There was also confusion about key pickup. I was originally told to pick them up at their office. When I reached out closer to move in, they forgot they told me that and instead said to use a lockbox at the property. This would have been more convenient, but I only found out because I asked. If I hadn't reached out right before move in to remind them about the key pickup, I might have driven all the way to their office in Clarksville only to find out the keys were actually at the property. This is something that should have been communicated clearly without me having to chase the information down. On top of that, the alarm system was still under the previous resident's account. Again, nothing was communicated about this and I had to figure it out myself when the system would not set up correctly. The biggest and most stressful issue has been our HVAC. Since early November we have had constant problems with our heat. It has gone out five different times. We have had to rely on space heaters just to sleep and stay comfortable, and this has been incredibly concerning especially with my wife being pregnant. We have put in multiple maintenance requests and yet we still have not had consistent heat for the entire month and a half we have lived here. As I am writing this review, the heat has gone out again. This has made us extremely uncomfortable in a home we are paying full rent for. To be fair, they offered to reimburse the fridge light bulb, sent bathtub plugs, mailed an air filter after I asked, and they have been communicating with me throughout this process to try and resolve these issues. That effort is the reason this is not a zero star review. Still, none of that changes the fact that nearly every issue I listed should have been handled before move in, and it does not undo the stress we have been under because of the HVAC problem. If you plan on moving into a home in Nashville with Marshall Reddick, I strongly recommend doing a very thorough inspection before committing. Check all batteries, confirm every system, make sure you are given the correct codes, and definitely verify the HVAC is working properly. I hope no one else has to experience the level of inconvenience and discomfort we have gone through.

I had the pleasure of working with a local agent in California, Tyler Daigler, who presented…read moreoptions in Nashville. The homes and service were amazing. Although we purchased in a different location, we had to stay with Tyler at Marshall Reddick because of the amazing service. After several weeks of research, he found us the next perfect purchase. His connections and network made it possible to get a deal done. We are thankful for him & his team for their efforts. Me and my wife cannot recommend Tyler or Marshall Reddick highly enough.

This is a garbage lender. Their underwriters are incompetent at best, malicious at worst…read more Specifically Tammie Barnes. She is extremely incompetent and her boss said she's one of their most senior underwriters. Well, she didn't review the documents we uploaded and she ended up conditioning us for a document to prove a debt my client paid off 20 years ago was indeed paid off. Do you keep documents for 20 years? There was no corresponding debt showing up on my clients credit report, no mention in the automated underwriting system, only Tammie's word that we needed to prove a phantom debt was paid. Honestly it seems malicious to me because I already called her out on her incompetence from her initial underwrite, which was late, by the way. I'd advise you stay away from this lender at all costs. If the option is to stay a renter vs. apply for a mortgage with Franklin American I'd suggest you stay renting. This company demonstrates everything wrong with our industry and they employ incompetent or malicious people like Tammie Barnes.

If Icould do no stars I would...DO NOT GO THROUGH THIS COMPANY and if you mortgage somewhere make…read moresure this is not a company they "sell" your loan to... 2nd year they have increased my escrow, 1st year was 30.00...and although my insurance and taxes increased I was in the positive 22.00. However again I rcvd a 2nd notice of an increase. This time it was 70.00!! So in 2 years 100.00 my payment has gone up. Their reasoning is they like to have a 1000.00 "cushion" so this could be a on going thing...Will definitely be refinancing soon.. ps called the company and talked to a TY we were "disconnected" and although he verified my # and my husbands # (on speaker) no phone call back and had to call and hold again.

Our experience with MIG was awful. As a first-time homebuyer, I used MIG because my realtor…read moresuggested them. However, my MIG loan agent was disorganized to the point of inconsiderate (ie. inputting my social wrong on a form despite confirming the number on other forms was correct, causing delays) and outright rude (ie. verbatim telling my bank I don't know what I'm doing while on a group call- but props to USAA for privately telling me afterward that that's not normal or acceptable). I've never felt so belittled as an adult but I felt stuck as we were already in too deep on the process of getting a house. Now I know better. And my realtor experienced it with the loan agent too. The agent was dismissive to her and the overall experience was so bad that the realtor was apologetic for suggesting them and said she won't recommend them to future clients. My realtor even referenced texts from the loan agent that were so nonsensical that my realtor said "is she drunk" which, again, made us feel like we weren't worth the time to even type a text message legibly. But I don't think it was just my loan agent who was problematic as I also got emails not intended for me from other employees at MIG with potentially sensitive info about someone else's loan being suspended. And the lack of data sensitivity tracks because I also just got a letter saying they had an "electronic data incident" so info like our social security numbers may be compromised. I truly love our house and hope to live here forever, but I truly can't say it was worth dealing with MIG. But hey, I guess we learned to always get multiple quotes which has served us well as homeowners. And I personally learned being a doormat to be polite doesn't do me any favors in the long run. Wish I'd stood up to the treatment and walked away from MIG.

This is my second time using MIG and they are amazing! Rob and his team are very friendly to work…read morewith and very professional. They assessed my situation and tell me exactly what I need to prepare so I don't have to waste my time! I would like to recognize Rob with his swift responses to phone calls and emails! When he said get back with me ASAP really means ASAP! Strongly recommend to use MIG.

I am grateful for the wonderful support provided by Oula Horne during the refinancing of my house…read more Her expertise and attentiveness throughout the process were exceptional. Right from the first phone call to the finalization of the refinance, she listened and understood our needs. Her professionalism and knowledge gave us confidence throughout the process. I also appreciated her quick response times. We began the process in the first week of March and signed our closing documents by the end of the third week of March. Her assistance was invaluable, and we will not hesitate to recommend her to anyone seeking mortgage services in the future. Lathan and Bianca Woodard

Dealing with Reliance First Capital was a very good relationship. By that I mean they really got to…read moreknow you on a more personal level. I dealt with Suzanne. Horne at the Franklin TN office. She was very efficient and helpful. Her assistant Lisa Ann was also very helpful. If you're looking for a loan company that treats you on a more personal level level, this is it.