This is our second time working with this company, Reliance First Capital. We were pleased with how well they worked with us. Nicholas Raymond Eberwein, Nick, worked with us both times. He is knowledgeable and is very good at explaining any questions you have. He also looks out for you and will find the best solutions for your needs. read more

This was the most reliable company I have used in my experience with knowledgeable staff that goes the extra mile for you. Need a commercial letting America know just how great the company provides for it's clients. Me Clark and Ms Carolyn in the North Carolina Branch you are the best and forever blessings continues in your life and family. Keith read more

This is the 3rd loan Sonney Davenport has helped me with. She is awesome! She is very knowledgeable, prompt and listens to all your concerns. I highly recommend Sonney for your mortgage needs. 5 STARS!!!!! read more

I highly recommend using Reliance First Capitol LLC if you need to refinance your home. It's very rare to find a company that gives you a live and direct contact with a human being instead of an automated service. I worked with Richard Tarter and I highly recommend reaching out to him. if you need any kind of help refinancing. He took the time to really get to know my situation and he provided me with multiple different options that would fit my situation the best. He was very kind and attentive to details and he made sure I was comfortable with the decisions I made. I never had to reach out to him. He was always following up and giving me daily updates on what's going on with the progress of my refinancing. I never felt pressured to do anything i was not comfortable with. I was very satisfied with the service he provided. Even though we have completed the process, he still Reaches out to check in to make sure there's nothing else I need. read more

In April 2025, I was online looking to begin the refinance process through Lending Tree. I did receive a number of calls right away, but one person in particular, Tracey Schuelke from Reliance First Capital, in Charlotte, North Carolina: 1) called 2) texted and 3) e-mailed and basically put herself to the front of the line and I related to her right away because I'm quite persistent myself (something that would prove to be very valuable in this process). Tracey immediately felt very comfortable to talk with, she explained the process well and we began gathering documents and starting the journey. My previous mortgage was through the USDA and they became the most unbelievable source of contention. As Tracey said, 'government should not be in business'. A refinance can get pretty detailed, laborious and time consuming, but at no point would I admit defeat, through all the hoops and delays, through a government shutdown, through a job loss, through two appraisals with corresponding repairs, through improving my credit score, and the loooooonnnggg wait for the USDA to do pretty much anything and waiting for their customer service department to answer their phone (hold times could be anywhere from 10 to 90 minutes or more), but we pressed on. We were on the verge of closing several times, but then something would cause the bottom would drop out. Tracey became my best cheerleader throughout the entire process, as well as a friend. She had much to deal with in her life, including personal health trials, that anyone from the outside looking in would not believe her stamina and her drive to help me (and I'm sure many others) out. At some point we saw the light ... you know, the one that you never thought would come. I hopped on it, she jumped on it and we almost didn't make it this last time, but it finally happened. Happy happy joy joy!! The closing occurred in the last week of January 2026. I became just as much of the process in dealing with the USDA, and I wasn't about to let them bury me. Noooo way! Today, I am in so much a better financial position than I ever could have dreamed of. The right mortgage (also rolled in my car loan and HELOC), and some cash. I was able to help family members out, I now have an emergency fund and peace of mind. Tracey kept me informed every step of the way. She knows her job and could do it blindfolded, but the important difference was, it never felt mechanical. She truly cares about people. I wanted to also give a special shout-out to Anzhela Pikulik, the behind the scenes mortgage processor that was a true professional with patience (I think, however, all three of us wanted to shake our fists at the USDA, but we prevailed and won.) If you ever become involved with Reliance First Capital, know that you will be cared for by a group of amazing professionals that get up and do their job every single day. They take pride in their work, and they do it well. I'm sending them two dozen of my *world famous* bacon cherry chocolate caramel cookies in thanks, because I will be eternally grateful for what they did. They are my refinance people for life. Even when interest rates go down, they'll be popping back up and getting this done again to help save me some money. Thank you to everyone there; you guys are the best!!! read more

First I would like to thank Tyanna Clark & Carolyn Ralutz for all their help in securing my refy to a VA loan. They were both easy to reach by phone and extremely helpful. Other loan sources had a minimum amout of an existing loan amount before they would even talk to you, since my loan debit amount was low they weren't any help. Using Reliance First Capital I was able to payoff all my credit cards and cash out some of my equity. I would highly recomend these people. This has really changed my life. read more

Amazing knowledge of Financial needs, mortgages, and always available for questions and support.

I had talked with quite a few Real Estate and Mortgage companies / agents and Ms. Sonney Davenport with your firm made the process a lot more enjoyable then any of the previous encounters I had had. Her support went well beyond my expectations to include making sure I was comfortable throughout the process. read more

I am very pleased with the service I received from Brian Carter very professional explained everything in detail was very patient with me very knowledgeable about his job. I can't say enough about him very pleasant experience and I'm happy I refinanced with Reliance First Capital. Thank you so much for everything. Sincerely, Patti nix and Gregory UtZ read more

Sonney Davenport and her team did an AMAZING job on my refinance; in fact, closing happened in 3 weeks. Sonney was caring, responsive to what was important to me (great listener), knowledgeable and able to share that knowledge in a way that made sense to me. I highly recommend Sonney and her team at Reliance First Capital. read more

Sonney Davenport of Reliance called me on Octomer 27. We closed our refi on Dec 19th. We had purchased our home with an "Agreement for deed". 2 tries with 2 companies did not work. Sonney and Reliance figured out how to do it. The process watched over and nurtured by Sonney. I thank God for sending them to us. read more

I was contacted by Reliance First Capital via Lending Tree looking for information on a home equity loan. The person who responded initially seemed competent over the phone. However, he didn't listen that I didn't want a refi with cash back - just a loan. Once that was straightened out, he passed me off to a supervisor as he couldn't answer all of my questions. The supervisor spent quite some time trying to get up to speed on what I was looking for. Unfortunately, he had attitude and spoke to me like I didn't understand loans. I politely told him that Reliance did not have a loan that fit my needs. He then huffily responded that Reliance would send me a letter formally cancelling my loan application - interestingly, I was only looking for information. The poor reviews of this company are accurate - call center business model, poor attitude personnel, start with one sales rep and get handed off to someone else, and an overall POOR experience. I strongly recommend going elsewhere. read more

Reliance was able to work miracles for us with our first home. Bryan Carter was simply amazing. His customer service level unmatched, and his dedication to making our dream a reality was unlike anything we have experienced. He made sure everything was in order and there were no obstacles. I never knew that the mortgage process could go so smoothly. Thank you Bryan for all you have done for our family from helping me gather documentation to working with underwriting to get us the best payment possible and for the best experience in buying our home. It was definitely worth the wait! Reliance provided us with a professional and caring team who worked together to secure the loan for us. If you think it is too hard to own a home I would highly recommend contacting them and giving them an opportunity to run your numbers. You won't be disappointed. read more

I have refinanced my house three times with Reliance First Capital., every time with Sonney Davenport. She is the best. Ms. Davenport makes the process easy and fast. I love the fact that I was able to buy a new car for cash, and help my kids pay off their student loans, all while keeping my mortgage monthly payments and payoff timeline the same. Sonney has kept in touch with me over the years, always letting me know about great interest rates and best timing to refinance. She is like a best friend that has your back. read more

My fiancé and I worked with Toi Meade at Reliance First Capital and she was beyond helpful and knowledgeable. We are first time home buyers and had ALOT of questions (I mean ALOT lol) about credit and down payments, and Toi was there EVERY STEP of the way! Toi gave us confidence in this process in knowing we made the right decision. She made sure and stayed on top of all the necessary documents that were needed. My fiancé and I are truly happy that we're were in our dream home. We cannot thank you so much Toi Meade and the Reliance First Capital team, for your support and guidance! read more

Right from the very beginning Matthew Wiehl made the process of re-financing easy. He was extremely patient and answered all my annoying questions. I know i will be referring Reliance First Capital to everyone that is looking for what this company has to offer. The great service didn't stop with Matthew. I also had the pleasure of dealing with Anzhela Pikulik & Roberta Henning. I didn't deal with them until the end but they were very attentive with my questions and concerns!! read more

They were not the absolute lowest rate but they were the nicest and most helpful. So I went with them.

I was a first time Home buyer with with no knowledge of how to get the process started, but I worked with Toi Meade on the purchasing of my home and then again on the refinancing of my home! Both times she has been a D color and IF clarity diamond!! She has made each process extremely easy and if I can't contact her by phone, she is quick to respond through text or email. I wouldn't turn to anyone else to help!! read more

Not once, but two times!! My husband and I have taken advantage of low and lower interest rates. Both times with Reliance First Capital. In fact, both times with Sonney Davenport, Senior Specialist!! Sonney contacted us when the interest rates were so impossibly low that we just couldn't resist. She guided us through the process with ease. She knew all the answers and stayed on top of things until all was done. Sonney is like family. I can't recommend her enough! read more

Sonney did a great job with my refinance, she made it simple and quick which given my schedule I am thankful for. Rate and terms were better then I had expended which is great, I appreciate all her efforts and communication. read more

Sonney helped me through every step of the way. I had complete confidence in her ability and skill to support my goal of home ownership. Communication was top notch and her understanding of my needs and expectations made it a pleasure to work with her. read more

My Mortgage Analyst Joshwel Haggins was extremely professional and did a wonderful job with my refinance. He made it simple, quick, and explained every detail of what was happening through to the closing. He made the process simple and help push along the process so that it did not take months. The most thing I appreciated was his communication in keeping informed of everything that was going on and almost always answering my calls and if he was not available, he would call me right back. He is definitely an awesome person to work with anyone needing to refinance or finance their home. Thank you Joshwel read more

Bryan Carter a senior loan analyst has a can do attitude. While other firms could not work with the customised needs I had for a home mortgage, Bryan's can do attitude never faltered. I was very pleased to work with him and the results fit my budget and financial goals.not only is Bryan good at his job but he has a great personality. read more

Regan Rutledge really outshined the competition. He was the first to call when I solicited re-fi proposals on LendingTree.com, the first to pull my Tri-Merge report, and the first to recognize my best bet was FHA. Other brokers kept calling saying they could beat Reliance's closing costs, but none could. As time wore on, it became clear that Regan had done the heavy lifting up front to avoid disappointing me late in the process. While Reliance did request additional documentation during the approval phase, there were relatively few surprises. Regan and his team held my hand the whole way and the loan closed right on schedule. This was the first loan I shopped and applied for and closed entirely online without meeting anyone face to face and I have to say it went very smoothly. I really appreciated how readily most of the lenders bidding for my business shared detailed closing estimates. Having all those documents available online really aided my decision making. Based on this experience, I strongly recommend you consider virtual lenders and very strongly recommend Regan Rutledge at Reliance. read more

Christopher Nathaniel Thomas and the Reliance First Capital team should not be trusted for your loan needs. They pulled all kinds of horrible shady tactics during my discussions with them. Christoper Thomas Pulled my credit report without asking me first. He then grabbed FHA case number without my request. Then they refused to release FHA case number to other lenders. Whatever you do... don't talk to this company. read more

I was debating on refinancing my house to pay off a couple of small bills and to do a little sprucing up of the insides. I dealt with Pauline Renaud, and she was completely ON POINT! She spoke clearly, she answered every question and was just delightful to deal with. She made the process flow so smoothly. I truly enjoyed my interactions with Pauline and will miss our conversations :-) Thanks for doing what you do Pauline!! You do good work- you help people and you do it with a smile that can be heard over the phone! Reliance First Capital is very luck to have you as a representative :-) read more

Just a BAD experience. I've closed on houses 7 times and never experienced anything quite so absurd. I will not recommend Reliance First Capital to anyone. read more

Looking to refinance or simply have questions to help you make the best decision for YOU? Ask for Pauline!! I'll admit... I didn't call First Reliance myself, but I hung up MANY times on other companies as I searched for the right fit. Pauline just happened to call at the right time with the most sincere and trusting demeanor. I knew immediately they were the right fit for me. I can never thank her and the First Reliance team enough. Everyone's situation and reason for re-fi is different... you can rely on First Reliance, Pauline, Yara and their team to get you through the process and to the closing table (which happened to be my kitchen table) in one piece and with confidence in your decision. read more

I contacted Tony Palermo from Reliance Capital on May 16 to inquire about the possibility of obtaining a mortgage. I did not know if it would even be possible for me as I have had credit problems in the past. Tony spent some time with me and asked me questions about my job, finances, bills current and past and basically what my story was. He said he could help. I was still skeptical, but he put me in touch with a realtor (Sharon) who took me out the following day to look at places. I had a preapproved letter in my hand! I was still nervous that this would not work out, but went looking anyway. I found my dream property just three days later. I submitted an offer and it was accepted. I completed the mortgage application and the process began. Tony was in touch with me every single day. If I had a question and he didn't answer my call right away, he called me back within minutes. I knew where my loan stood every single day. On June 22, a little more than 30 days after contacting Tony for the first time, I closed on my new home. It was not only an easy process - seamless, but it was pleasant. Tony was great to work with. I highly recommend Tony and Reliance First Capital! read more

I did not use Reliance First Capital because they did not offer the product I was looking for. They still tried to sell me something I was not interested in. After going with a local bank I continue to get calls from Reliance and I continue to tell them I have gone with a local bank. I do not think they know how to take no for an answer. Being high pressure (annoying) is not a good way to do business. Go with a local bank for more low pressure personal service. Reliance also ran my credit without my permission. read more

This company has horrible service and the rates are priced 200 basis points over other lenders, this means you ARE PAYING TO MUCH AND YOUR RATE IS TOO HIGH!!!!! Stay away from this company read more

I made contact with Reliance via email on the evening of Sept. 21. On the morning of Sept. 22 I received a phone call from Miles Commodore in reference to my request. Miles was able to give me all of the details and answer all of my questions within a 15-20 minute phone call. From there, it took a couple of emails and the assistance of Michael Schaut for me to close on my refinance loan on Oct. 22. Of course I had to be proactive and provide the team all of my documents in a timely manner to have the loan close as fast as it did. In the end, because of this refinance, I will save about $250 a month and reduced my loan from 15 years to 10 years. I would STRONGLY recommend Reliance First Capital. read more

There was only one good thing they were fast, however that is to keep you from seeking other quotes. My experience good faith estimate was off by 2000 by the time I found out it was too late. they did not understand a condo policy made me over insure the property. It was a cash out refinance they held my money for 5 days past the right of cancelation, when I asked for the wire receipts response was nothing.It was worst mortgage experience as far as contract administration I have ever had. The broker was a very nice person and her intentions were good but it was clear my financial needs were not important. read more

Ronda (Sheranda) Smith in the Charlotte office has been wonderful to work with. She goes above and beyond what is required to make sure you are 100% satisfied. I read the reviews others have posted but my experiences have been stellar. I would recommend her to anyone. read more

Best place to work for! Truly feels like you are part of family. Training is top notch and people want to see you succeed and grow. Always room for promotion and the pay plan is by far the best! read more

This company is a fraud as Sam said. I dealt with them for over one year thinking I was approved for a refinance at a lower rate. Every day I contacted them I was told I would close in 30 days. They attempted to make me not pay my mortgage on time by saying we will close in 30 days and we have a payoff. Then I would contact them a few days prior to the closing and no answer or they would state they needed additional information for my credit file. It went on for months. Then I filed a complaint with the manager West who said I will take over and followup. He was worse. Same games and lies. They are a fraud. Do not deal with them. They will attempt to worsen your credit report, ask for credit card info for appraisal costing 400$ dollars or more. Then no refinance. Be very careful!!!!!! read more

Robert Cotton was a huge help with getting my husband and I our first mortgage loan. He helped us really understand what was going on, and he got us the best deal. read more

I wanted to refinance with Reliance First and the representative seemed eager to help. She promised to call back the next day and called back 2 days later only to tell me that she couldn't help because had all these medical collections. Four times I had to tell her I didn't have anything in collections and she in turns says oh I am sorry I got you mixed up with someone else. I said forget it I will just stay with who I have. If she is mixing my financial information up this early I want no parts. She continued to push and say she will leave my file open. I said no close it I will just keep my original mortgage and pay down my debt as I had been. This woman says well I can't help you and no one else here can.... but told me to call back in a few months to see what they could do. The way the experience ended was not good at all. read more

they refinanced my house 2 times everything went well on both occasions. No problemns..

I had processed a refinance request through Lending Tree. Of course when you do this, expect lots of phone calls and emails from potential lenders. I researched each lender to make an informed decision. I decided to go with someone other than Reliance First Capital. I didn't choose this lender because the loan officer that reached out constantly called to the point it was almost harassing and that isn't including the emails, then he berated me for going with someone else. His first message he sounded like a really bad used car salesman. Then he proceeded to call and hang up numerous times during the day. I contacted him via email the next day to let him know that were researching our lenders. Oh, he still proceeded to call and hang up during the day. I informed him today that we chose another lender. I immediately get an email basically saying I couldn't had made an informed choice and that he would provide a better service. No, you leaving a message sounding like a cheesy salesperson and constantly calling my home and hanging up is the reason I did not choose you. So glad I said no, especially after he got salty about not getting my business. read more