I can't really tell if they are dishonest or idiots. I haven't had this mortgage for one year yet and this is the second time they have added additional insurance without confirmation. They sent me a letter stating my flood insurance wasn't enough. Not for me, the letter does clearly state this insurance is for them only. No details. No amounts. Nothing. These warning letters state they will auto-add if they do not hear from you or receive notice that you added mystery insurance. I called to get details. How am I supposed to ask for quotes when I have no information on what I need to add? The person I spoke with explained that they lie and have stated they called me (did not. I have never rec'd any calls from them since signing) and would get back to me. Today I receive my additional insurance policy information in the mail. At least I know have data to get quotes. And will be reporting them to the BBB for potential fraud. Find someone else for your mortgage. read more

I had a horrible experience working with RMS, Residential Mortgage Services. After closing on my waterfront property in March, they immediately sold my mortgage to another bank. While that happens often in the mortgage world, RMS made so many mistakes in the process that caused me months of unnecessary added costs and stress. Toni Rubino, and later Joanna Bailey, mistakingly pulled the wrong Flood Certificate at my closing, passed along the wrong certificate and the wrong address to the other bank. This caused my property to go into 6 months of forced flood insurance penalty until my lawyer and a new LOMA from FEMA could fix the situation. RMS offered no help. They made a mistake and I was left with the headache and extra costs. Do yourself a favor and don't work with them. They mess up the paperwork and pass the problem along. read more

Tried working with them, but they eventually just stopped responding. Would have been great to hear exactly why, but moved onto another company that has been incredibly helpful! I worked with Libby, who was very nice, but their communication needs help, would definitely not recommend. read more

I worked with Melissa, Linda and Allison on a refinance last month and what I was worried (from what friends and family told me) was going to be a nightmare of paperwork turned out to be a super smooth, fast, and enjoyable process! Everyone was very professional and responsive, and their closing attorney was great to work with. We got the deal we wanted and more - highly recommend! read more

I recently worked with Melissa and Linda from RMS in my mortgage process and I cannot say enough good things about what they did for me. I met with Melissa at the start of the process and she did a great job of laying out all the details for me. Both ladies were then there with me for the duration of the mortgage approval. All questions were answered in a very timely manner and they were extremely helpful. I would recommend RMS and Melissa to anyone that is looking to get approved for a mortgage. read more

Can't recommend Melissa enough...from my first time home buyer experience to helping us refinance when it made sense financially, she was great! read more

Melissa Caci at RMS Wouburn is fantastic. She was responsive, helpful, and gave us great advice about our loan options, other things related to our purchase, and even the area we were searching in. We always knew where we stood in the process - even during that quiet lull that always comes after the offer is accepted, and that freaks most people out. Her assistant, Linda Hern, was equally helpful. We put down a much larger than average downpayment, and while that made securing financing easier for us than for most, it also brings some complications which Melissa warned us about. I can't imagine a smoother home buying experience. We admittedly did get off to a slow start with RMS - the person originally recommended to us did not answer emails until we had asked for someone else (Melissa) to help us. He had a reasonable excuse, but we didn't want to play around with something as important as home financing. We are glad we gave RMS another chance. read more

RMS was recommended to me by my Edward Jones Adviser, Chris Cinella, in Melrose. He introduce me to Joe Pagliarulo and I hit the lottery with that intro! I had already looked into refinancing my home, of 21 years in Melrose, with: Ditech, North Shore Bank, Santander, and Eastern Bank. Joe not only beat out their rates but offered me the old school, quality, face-to-face service I was looking for. To be fair the other bank that came close with great service was North Shore. So many online companies wanted everything electronically reviewed, and signed, but that's not how i do business with something this important. I need to meet the person, shake their hand, and get a sense of their qualifications. Joe hit every point and surpassed my expectations. He patiently walked me through the whole process and even came to my home with my home appraisal as to review it together. Joe referred me to Melrose's Bell & Izzi Law Offices for my closing. What hit home was this is the law office I had my closing at 21 plus years ago.The whole process could not have gone smoother. With every change during the process, Joe made sure to update me. Thanks to Joe locking me in before rates increased, I'm saving $500.00 a month! Also the day of closing, Mr Louis Izzi himself took fabulous care of me. As a single woman, at no time did I feel alone during this process. Joe empowered me with new knowledge of the refinancing process and Mr. Izzi also explained everything so that I left his office questioning nothing, and feeling like celebrating. My mortgage got sold (which is often the case per Joe) to BB&T out of Greenville, South Carolina. I've already reached out to their customer service dept. to get a sense of the level of service I can expect. All I can say is I'm blown away by their quality attention to my account. Their rep was courteous, patient, and knowledgeable. They sent follow-up letters acknowledging my call, and request my feedback, if I feel there's any areas for improvement. I left Ditech for RMS, and RMS made sure I landed with a company of equal business ethics, to their own. I'm sad to say Ditech never offered me this kind of superior service and they were the highest interest rate after over 8 years with them. Thank you Joe for making what I was warned, is a "very stressful process", so enjoyable, and educating! I will be referring you for years to come. read more

With a baby on the way, staying in my small condo simply was no longer an option for me. I wasn't sure if I should sell my condo or borrow from its equity to buy something bigger and rent out the condo. That's when Melissa Caci came into the picture. Melissa met with me on three different occasions for over an hour each time. She did everything in her power to make sure I was 100% informed of all my options. She explained to me the pros and cons of every single option in ways that were easy for me to understand. Meanwhile, throughout this entire process, I was very noncommittal and not in a hurry to make a decision. Melissa never pressured me one bit and it was crystal clear to me that she truly wanted what was best for me. Ultimately I chose to sell my condo. Melissa was truly happy that I came to a conclusion I was comfortable with even though it meant she put in hours of work and I wasn't going to use her services. Melissa is an amazingly sincere and honest person who will go to great lengths to make sure her clients are informed and comfortable during these high stress decisions. Although I did not use Melissa to refinance my condo, I will definitely be using her when I do buy my next home and I highly recommend her to anyone looking for a mortgage. I can't think of a single thing she could have done different to better help me through this process. Melissa Caci is the best!! read more

I was working with Mike, a loan officer at RMS. There was a situation that did not go well. Mike apologized and I appreciate that he did. I was pretty upset and he kept his cool. Wish the effort we both put in could have been used but it wasn't repairable. I ended up canceling my mortgage application. read more

Melissa Caci and her team are always readily available to everyone whether it is the borrower, the agent, the attorney or anyone's assistance. This goes to show that they will do whatever they can within their power to get the loan closed and moving along expeditiously. read more

I cannot say enough about Melissa Caci- She has done my last 2 mortgages. I called her on a Friday- by Saturday I had spread sheets detailing all my options. - then more after rethinking what I wanted to do. She is in an expert in this field. She guided me through the best options that would make sense based on my situation. Within a week we all the paperwork to the under-writers. She estimated costs were RIGHT ON target with HUDS. I could call her or email at any time and got a response promptly. This woman knows her stuff. I went to sign the papers and felt 100% comfortable saying " Just tell me where to sign" I was always notified where the process of my loan was at. At closing the attorney made a comment that he had not seen just a low interest rate in a long time. The entire process was smooth and 100% stress free. Thank you Melissa for taking care of everything for me. read more