I gifted my daughter a partial down payment on a new build. They wanted proof from me where I got the money from. I supplied them with 2 proofs that I transferred the money to her. Neither document was good enough for them, even through it clearly shows that I did. They wanted my complete bank statement instead. Personally, my financials are none of their business, I'm not the one buying the house! Plus they want me to sign a paper that states that I gave her the gift. I have no problem signing said paper. This company has zero common sense and very hard to work with. Maria was very short with me and kept cutting me off. I, for one would never refer NVR let alone ever using them for a loan. read more

Please please please, if you're looking to purchase a Ryan Home, bring your own lender. NVR Mortgage is absolutely horrible. Wish I had done my research prior. read more

We recently purchased a home in Tennessee. We went with NVR Mortgage because the builder offered buyer incentives for using NVR Mortgage. Working with NVR Mortgage was a terrible experience for us. We have bought and sold several homes over the years, and we have never had such a bad experience with any of the mortgage companies we have worked with. If you are thinking about going with NVR Mortgage to be aware that we had to submit requested documents multiple times and we were asked to give an explanation of our financial responsibility on a home that we never owned. The whole process of working this company was frustrating. We didn't feel as though we were valued customers. We regret using this mortgage company and would not recommend them to anyone. read more

Research other lenders when buying a Ryan Homes. This is a very shady lender in terms of hidden costs and washed incentives. They entice you to use their services by offering huge closing incentives, however they charge insane amounts of money for points to lock in your rate so that incentive money is almost entirely used towards covering the points. They don't have any great offers on rates and simply use the standard weekly rate while also charged thousands of dollars to lock that rate. Definitely shop around for other lenders that don't use points and still give closing incentives before choosing NVR read more

Absolutely the worst mortgage company. We were misguided, misinformed through the entire process - causing on-going rework and stress. Their staff is incompetent and cannot be trusted to give the correct information. While I could give a dozen examples of incompetence, the final straw was their filing of our deed incorrectly, admitting it was their mistake but saying that since it has now been filed, there is nothing they can do. They told us need to contact an attorney and pay out of pocket to have it changed. DO NOT be swayed by their incentives. It is not worth it. read more

Absolutely the worst mortgage process I've ever experienced. Obtaining a mortgage should be a smooth process. The processors work on your file for months and always seemed to be behind in the process. Phone calls and emails go unanswered, They postponed my closing because of their holiday party. If you don't mind repeated delays, repeated requests for the same document, anxiety, and bad service they may be the company to use. But if you want a smooth transaction I would go with a reputable company. They have a bad reputation with most Real Estate Brokers of being difficult to close loans read more

Not sure why they got less-than-stellar reviews. Bought a new Ryan Homes product, NVR was great. Kept us updated on progress of our loan, asked for reasonable documentation. Our closing was at 10am, we were met at the door. Paperwork was a breeze, all numbers were as expected. We were done and out by 11:30am. Great experience. read more

Let this be a WARNING. 1. Get everything in writing. I mean everything. We were sold on items that simply were not true. ie. The home direction would sit on the lot facing the lake- not true (their own maps and information were misleading). The home would be 20 feet closer to the lake than the neighbors due to the larger home we were purchasing- not true.m (the neighbors home is 30 feet closer to the lake). The lot would slope down toward the lake (like all the other homes)- Not true, I have a berm at the end of my lot that partially blocks my view of the lake and drains rain water back to the home. 2. DO NOT CLOSE UNTIL EVERYTHING IS COMPLETED, REPAIRED OR REPLACED. A 1/2 million dollar home should have better workmanship than this. worst work quality I have ever seen and I have built and or owned 13 homes. To many problems and issues to list. read more

I wish there was a way to give them no stars I'm unsure of where to even start with Ryan Homes/ NVR Mortgage they made my wife and I first time home buying a complete nightmare. Everything started off okay the real estate agent was one of the only people that was pleasant through out the entire process. I was supposed to just be a phone call from NVR but then it changed to you have to come in to the office and sit down with the loan officer which sucked because we had to take the day off of work. We arrived about 15-20 early and Dana walks in and before even greeting us mentioned that we were "too early" I guess. After that sit down we received well over a dozen Calls and emails from the loan processor which I understand. With all the thing that were being asked between the emails and phone calls my wife and I felt as if they were trying to push things through and skew the number in order for us to get approved for a mortgage. We told them serval time that we would rather be denied then pushed through on false information.During the whole process our loan officer Dana was promoted and informed us that Celso would be taking over and will contact us within 7 days those days came and went about 6 Times over. The only reason he finally even called was because we spoke with someone else and they told us to ask our loan officer whatever the issue was and we told them that he never reached out to us then they relayed the message to him and then he finally called us. Our closing day throughout this whole process changed three which us funny because during our pre construction meeting they ensured is that the closing day Never changes. Because of the constant date changing of the closing date we missed numerous days of work which I knew we would but there was not any communication the second walk through Day was approaching I called the contractor several times a few days prior to see what time I need to be there and no answer or call back finally after calling the real estate agent see let me know the time. Shortly after that phone call the contractor finally called me back and I tell him that I spoke with Keri and she told me the time we need to show up to the walk through which was the following day at this point which he responded with about that we are gonna have to reschedule because he don't have a electrical box on the house yet. At this point it was too late to make any changes at work as far the days off so another of work missed I forgot to mention that we have a newborn at this point so every dollar counts. The loan processor calls us asking for more information and we asked her when the closing date was and she replied with it's on Monday then my wife informed her that according to the contractor that's not correct he said that we need to Reschedule do to the electrical box issue which apparently no one told the NVR we informed them on that. We then were told that someone named Cindy would call us and let us know the new dates but when she finally called was just as uninformed as the rest of the people at NVR. Another thing that was frustrating was that our closing cost throughout this process changed three times as well it went from $4900 to $6100 to 6200 within a few days and no one could tell me why or how they came up with these numbers. Once they called with the date we told them at this point with all the days we missed once your are finally done with the house to call and we will let you know what date works for us. The day finally come and we go and do our walk through then go to sign all the paperwork we are sitting in the front waiting area and a couple is leaving and they are all happy and taking selfies in front of the NVR Mortgage sign and with the loan processor that wasn't the case for my wife and I. They didn't even have a NVR Mortgage or title person come and meet with us only a notary he wasn't even qualified to answer any questions that we had to ask.We took a cashier check for the amount that we thought was our closing cost but to our surprise it changed again luckily it decreased they informed us set a times that they would write us a check on the spot for the difference and when that time came they said they would send the check and with the amount of confidence I had with this company I refused and told them that wouldn't work for us so they had to have someone from another get our check right then at this we had been here for coming up on three hours. After they finally got me the check and finished up the paperwork we were given our keys to our house and basically told there is the door. No happy NVR Mortgage people coming out to take our pictures in front of the sign out front they didn't even have our name up on the screen that says congratulations on closing on your house that still had the name of the people before us too be honest my wife and I felt more joy and happiness buying our used car then buying our first home Thanks NVR. read more

I had a wonderful experience with Nic, Samar and Dana! Everything was easy going. They helped me get everything I needed to bring to closing and were always available when I had questions. Samar was especially personable and was the most memorable part of my home buying experience! read more

NVR Mortgage made qualifying and working through the mortgage process simple and easy. Purchasing a home can be stressful but they really did an amazing job making the entire experience great! Not only would I use them again but I highly recommend them!!! read more

My experience with NVR has been WONDERFUL! Angel is truly on top of things when it comes to answering questions/inquiries. She is very knowledgeable and understanding. For me, transparency is something very important when it comes to mortgage and Angel has truly shown this. Her responses are timely. We also worked with Merri. Merri has been amazing and always explained things to me. There was a point where I got frustrated and unhappy with some things, but Merri truly delivered, communicated with me right away, and explained things. I can't wait to move in to my new home! read more

Angel Tritschler and the other loan processors were very helpful and made the process much easier. Unfortunately I can't say the same for my loan officer Alex however, the other staff worked to resolve issues he created. read more

(* this is a VA loan, we are a military family) If it were possible to do negative stars.... I would rate NVR/Ryan homes -5. Let's start a the beginning. On February 2nd we met with Karrie Kar at South Fork Lakes. We had been looking to build a new home for the last 2 years and had done extensive research. We liked what Ryan homes had to offer. The particular model home we were interested in was listed at 236,990. The day we signed the earnest contract the home suddenly jumped to 237,990 and after the nickel and diming of "upgrades" the home was now priced at 247,000. We told Karrie we were pre-approved from our bank but she insisted that it was only a pre-qual not a pre approval (although the pre-approval from underwriting was drafted a couple days prior and it's dates as such.). Karrie proceeded to push us to meet with their lender NVR. Ok, cool we can meet with them but we do not have to go through with them. We met with Celso Dockhorn.. after he "ran" numbers the loan had jumped to 253,000 with an interest rate of 5% (our bank gave us 4%). Then upon further review we noticed their 10k incentive was not really an incentive at all. 1500 of that went to a fee that the home builder was obligated to pay per Florida state statue, which then left 8500 for an incentive but with a 5% interest rate the company would make back not only 10k back but a profit. The next day we get a call from Angel Tritschler who advise anything involving the loan would have to go through her... of course she asked for more documents. Then we had a meeting with rite rug with Vickie who is contracted through Ryan homes for flooring.. because we as consumers are not allowed to go through our own flooring company. Vickie was extremely rude. We showed up to the appointment 15 minutes early which she refused to open the door until it was time for the appointment. As soon as we were granted access to the showroom, Vickie never introduced herself but looked at our 2 kids and said "this isn't a place for children, so who is going to watch the kids?" My only response to this was well some people have children and we weren't aware they weren't welcome. We proceeded with the appointment, at some point our newborn woke up and started to fuss. My significant other was getting a bottle ready for the baby and Vickie plugged her ears and stalked off to another room until the baby had calmed down. After the appointment I notified our realtor of situation and she immediate contacted Karrie. Karrie only texted our realtor that it was unfortunate. We never heard anything from Ryan homes on this, no direct apology or contacting the client to hear what exactly happened. Nothing. Meanwhile, NVR had originally told us the response from their underwriting should take 7-10 business days... well 20 days later we contacted Angel to see if maybe NVR could match the rates of our bank at 4%, well I guess this proved to be too complicated and she redirected us back to Celso. At this point we were annoyed but continued to wait. Finally, we requested a face to face with Celso to ask questions and see if they would be able to match the loan. We requested face to face because it's harder to lie and scam people in person than over the phone. We got a phone call instead from Celso. So in 30 days this experience has truly been less than desirable and frustrating. We finally receive communication from Karrie .. an email... to see when we were going to pay another grand in earnest. That was the last straw for us. We haven't even signed the building contract and nothing has been built. We decided to pull out because we did not want to be caught in an even worst situation and a bad investment. We requested to be released from our contract and to get refunded our first grand. Well, we were told no by the sells rep Karrie about the refund. We requested to speak with her manager or to get the contact information for her manager. I guess Carol Hall is in some high profile job that her office contact information was not allowed to be given. The next day we got a call from Carol Hall who was rude and obviously got off on it. She did inform us that she would graciously hold out next earnest payment for a couple weeks to show that from here on out we would be treated like VIP. Wait? Shouldn't you as a business treat all your clients as such straight from the beginning? Oh and the rite rug situation... not their fault because it's not Ryan homes. Even though that's who they contract with and therefore represent them as well. Well, the lack of accountability and crappy customer service thus far... we highly doubt they know what VIP treatment is or how to act accordingly. We asked to be let out of our contract with our refund. She advised she would let us out but would keep the money. We asked to speak to her boss. Carol Hall explained that she doesn't have a boss. Interesting. We contacted their HQ (which is NVR) .Carol Hall does have a boss it's Scott Kalman. read more

I wasted about 8 hours of my Paid Time Off of work to show up to the final walk through and my contractor was no where to be found . 30 minutes later A local assistant supervisor came out and apologized he was the only one to be professional about it and I know it wasn't his fault but we didn't even finish the walk through like we wanted cause the house wasn't finished yet. Just a few touch ups needed to be done here and there. Nothing against the contractor I know things may take longer than expected but where was the fuckin communication with them and NVR it only wasted my paid time off which they can't give me back. If it takes longer that's fine just let us know. I insisted on pushing some dates forward but they wouldn't let me. Horrible communication all they care for is makin sure they get paid. NVR wouldn't budge the dates THEY set for me without asking . A few weeks prior I asked to switch my dates and Dana Innis just said they couldn't and "don't you want to take the day off for this?" Thanks for being an awesome problem solver but If I could I WOULD. Btw I did take time off for some this and look wat happened. I told Dana we couldn't when she followed up with me and when she couldn't find a solution she hung up on me. I hope the calls are recorded I never finished the conversation with her she just hung up out of frustration not even a goodbye, real professional. No one ever asked me wat dates worked for us in the first place they just set it on there own to get paid before Christmas . When I asked to change the dates they gave me 2 different ppl to contact to change the dates. And now they don't even show up for the date THEY set and insist on keepin. I also work in sells and I took off the last day of the month to be here, I wasted time and money by showing up. Someone needs to do there job. Awful experience read more