This is a total bait & switch company. They advertise no closing costs but they don't tell you upfront about the discount points/fees they add on until the end. I went through all that hassle of providing all my info and having them pull my credit just to say I'm not going to pay $12,000 in discount points. That's where they get you. I told the loan officer I didn't want points upfront and I guess it went in one ear and out the other ear. The other negative is that you can only make one payment per month so no option for biweekly payments or if you want to add in an extra payment. It has to be in one payment a month. The customer service here is not friendly. The loan officer I got is very old school. Kept referring to coupons instead of statements. Everything is done online now. I don't keep papers of anything except my W2. Anyways this company wasted my time. Beware before you go with them read more

I feel obligated to give 2 stars because the fact is that RP got me the best rate on my refinance, but if it was even close to another company, I would have gone with someone else. I absolutely hated giving my business and money to these people. Called RP originally looking to refinance my mortgage once interest rates had gone down and values in my neighborhood had gone up. We thought we could eliminate mortgage insurance at this point. I had called RP for my original mortgage, but purchase mortgages are not their specialty and they didn't offer us the best deal. Broker was pleasant though and suggested I call when we're ready to refi, so I did. This time, Joey Marmo was our assigned broker. My dealings with Joey made me feel dirty. It was only marginally better than buying a car. The experience was miserable. Every time I asked a question, I got run around answers or vague answers until I asked the same question for the second or third time, angry and frustrated. He would repeatedly tell me that their deal was better than another, but not explain. For example, we had to bring some cash to closing to eliminate mortgage insurance because our appraisal screwed us, but I thought I found a better deal which clearly showed a lower cash to close. However, when I sent it to Joey, his only response was, "their deal is inferior, our loan costs are X, and in the interest of time, we're through discussing this. If you want to close, contact..." I understand his frustration to a degree - it was the 11th hour - but rather than explain how their costs were lower but the other company's cash to close was lower, he left it alone and then didn't answer me when I asked for his help understanding the discrepancy. Turns out the other company greatly understated the estimated payoff of my existing mortgage, which is how they were able to manipulate the cash to close number, but it took an hour of comparing line items to figure that out when Joey could have taken 2 seconds to explain it instead of being a slime about it. Also, his frustration wasn't fair considering throughout the underwriting process, I asked for specific numbers - monthly payment, cash to close, etc - and he repeatedly told me I had to wait for the closing disclosure for that info. So, to get upset with me when I continued to ask for the information I needed and you continued to brush me off isn't fair or professional. He actually said he wish I brought up the cash to close issue in the 5th inning instead of the bottom of the 9th when he was the one telling me for weeks I had to wait until the 9th inning for the info I needed. Finally, even the way they do business is a bit sleazy. While they did have the best numbers in the end, they had the highest origination fee by far. However, they make it up by giving a lender credit. So, kind of like a store that jacks up their prices before putting things on sale, they have outrageously high origination fees just so they can look like their giving you a great deal on the back end. Would be clearer and more straight forward to simply cut your origination fee to a more reasonable amount. Anyway, like I said, it was all about the numbers and RP was the best, so you should probably give them a chance. But if you're connected to Joey, ask for someone else, and be prepared for a bad experience to get the best numbers. Would have rather given my money and the commission to someone else, but to be fair, a friend helped me with my original mortgage and he ended up screwing me in the end, so I guess it's just an industry of sleaze. read more

This has been the worst experience obtaining a loan. I was approved. I've submitted all the required papers. This started at the end of July. It is now early December and they are still dragging their feet. Everytime I speak with someone I am told, it should be next week. I was told 45 days (mid September) the 29th of July read more

The rate was competitive, but I've had 2 significant issues with them that I can't overlook. First, they left my fiancé off the deed despite me telling them 3 separate times to include her name. Upon closing when I noticed her name was missing they told me it would cost me an extra $200+ and postpone the closing 3-4 more weeks. Unacceptable. Secondly and probably worse; the website will not allow any payments other than once a month. I wanted to pay every two weeks (shaving nearly 7 years off my mortgage!) not allowed! Absolutely unacceptable!! As soon as I possibly can I will refinance and it most definitely won't be with RP Funding!! read more

Apparently the are CLOSED???? We have tried for days on end to contact someone by phone and email. Called four different numbers and all they do is played their recorded commercial over & over. NO ANSWER & NO REPLY! After reading as many reviews as possible, this may be in our favor since they have made so many people unhappy. read more

My rating a year ago would have been 4, maybe even 5 stars. Buying our home in 2015 was a pretty smooth process, no issues afterwards. When I was furloughed and later laid off in 2020 due to the pandemic, the forbearance option was a lifesaver, and that process was fairly smooth, too. However, coming out of forbearance a year later and trying to get the loan modification completed has been a nightmare. We started the loan modification process in April 2021, and as of today, I still can't get anyone to tell me why we're still in limbo 9 MONTHS later with no sign of a resolution in sight. In the meantime we've continued to make our payments and call regularly for updates. The people I've spoken to on the phone have been polite and sympathetic, doing what they can to try to assist, but they all seem to be flabbergasted as to why this is taking so long. The "processing specialist" that seems to hold the key to finishing the process has been unresponsive, and I have no way to contact him directly. After several attempts, one employee managed to get in touch with him two weeks ago. He told her he would "expedite" the process and then give her an update. I called again today, and there's been no update. On top of all that, we've received information in the mail more than once that was sent in error and didn't apply to our situation, leading me to question the company's capabilities. I could no longer in good conscience recommend RP Funding to anyone looking to purchase a home. read more

BEWARE! This company is awful! Refinanced with them and they never paid off the previous mortgage. Now after continuing to pay my old mortgage every month, they are sending me invoices to pay another mortgage on top of my old one!!! I sit on hold for very long periods of time and no one can resolve my issues instead they transfer me to different departments! AVOID THIS COMPANY!!! read more

Loan Office gave a great Loan Estimate and pulled a hard Credit Check. 780 Credit Score but then the Term Sheet came back costing me $7,000 more than the estimate plus an extra $200/mth. Bait and Switch Mortgage Company. Deceitful. Charged me $600 for an appraisal and would not refund my money even though I canceled the loan process prior to scheduling the appraisal. Much better mortgage companies out there with honest workers. read more

Most unprofessional, incompetent, and downright stupid people I've ever had the "pleasure" of dealing with, I'd leave 0 stars if I could. After over a month of dealing with them saying we're approved and than not approved, we get a move in date, have everything packed, purchased a refrigerator, scheduled the electric, we receive a call stating we are no longer approved because I haven't been at my current job long enough mind you within 24 hours notice! I gave them my start date a month ago and it wasn't an issue then! Needless to say unless you're looking to go on an emotional roller coaster I do not recommend using them. read more

Very rude loan officer after giving him all of my information 20 mins of my time he wouldn't want to give me a ballpark idea of the interest rate he could offer me on a 15yr loan, i told him my credit report was pulled out yesterday and middle score was 774 but he insisted for my SS# than he hang up in my face! How can you do business with people like this number i called 8552180765 name something like Joyce read more

Never use RP Funding they will lie to you to get business We called RP Funding last week to see if we could save money on monthly payments with our current FHA loan. We were told we could do a Streamline loan and save 200.00 a month with no closing costs and we would get all of our escrow monies back plus save a month of mortgage payments since we wouldnt have to pay one month after close SO we decided to do the loan. After we got the loan papers to sign I noticed there was $1000 I would have to bring to closing for closing costs PLUS we would only save about 20.00 a month on the mortgage I was told by the loan officer he made a mistake calculating our MIP and gave me some BS story. In order to to do this loan we would have to bring $1000 to closing since you are not allowed to roll in discount points without a survey on an FHA loan which would cost us more money None of this was told to me up front - all they were concerned about was suckering another person in for a loan. I was completely taken aback when I read the loan documents they wanted me sign We were going to refi into a conventional mortgage in a few months with JP Funding after I got my credit rating a little higher but I wont do business with them again I would not recommend using them read more

I refinanced with RP funding 5 yrs ago and all went well. I recently got an offer from them so talked to broker David Simpson who told me the interest rate after a credit check. He then sent paperwork that was not the rate we discussed. I know he mislead me (because I keep notes on such things). RP has changed and not for the better. read more

Applied to RP Funding for a ReFi - as well as several other mortgage companies. Their rates and fees were not even close to what others could provide - MUCH, MUCH HIGHER! Provided the documentation they required to ask them to price match or honor their $1,000 guarantee and when they declined to price match, they also denied the guarantee. Quoted it below... beware, they will charge you more, have you paying higher interest, and if you're lucky and get to go with another lender instead, they won't honor that guarantee either. Don't waste your time. $1,000 Guarantee While we are confident that our published rates and no lender fees are the most competitive in the industry, we do find rare instances where a competitor offers a better deal. Our promise to you at RP Funding is that we will never let rates or fees stand in the way of you being able to work with your local Direct Mortgage Lender and take advantage of all the other benefits we offer. If you receive a legitimate offer from a competitor that is lower, our promise to you is that we will match it, and if we can't we will give you $1,000. (KEEP IN MIND RATES FLUCTUATE FROM DAY TO DAY, LOCK YOURS TODAY!) read more

I am a listing agent located in Jacksonville, Fl. One of the agents from listed.com placed one of my listings under contract with a "pre-approved ' buyer from RP Funding- their sister company.. What a joke- the Buyer had a credit score of 510!!! We went all the way through the process and an appraisal was ordered- or at least I was told it was. Last minute the lender declined the loan without any explanation and never told the Buyer.. Hard to believe Robert Palmer would allow such nonsense!! read more

Not impressed. Terrible customer service. I switched to another company and closed quickly. Don't buy into their gimmicks. They either can't deliver on their promises or the ownership is completely disconnected with the gears in the company that actually make it function. Either way, in it's current setup it's a miserable experience that you must avoid at all cost in my opinion. read more

Two BIG issues with these liars; 1) Yes they pay your closing cost but make up the money by adding a point & half on your interest rate. When my wife questioned our loan agent I kid you not, this was his response; 2) 'Honey that is a good deal, I think you should take it, darling'. I don't like being lied to and I will never let somebody talk to my wife like this. Never use RP Funding. read more

The company wouldn't even give an estimated refi percentage rate without taking your social security number and running your credit! Sounds like a scan job to me and a way to get your personal information for God knows what for. Wouldn't even give an IDEA of rates when provided with all information needed, which every company will do. They claim "company policy"!?!?!?! What?!?!?!??! Just lost another potential customer with your ridiculous "policy". What kind of company doesn't want to promote their rates? Fishy fishy fishy. read more

I mean this guy has to know he is the most annoying person I have ever heard on commercials for crying out loud. His voice alone makes me want to vomit. Ugh read more

Please do extensive research before signing up with them to buy or sell your house. Extremely unprofessional and they don't seem to know what they are doing. All they care about is money. They made my house buying process horrible. Please take this seriously and reconsider using them. read more

I chose to use RP funding for the purchase of my first home. The loan officer at RP Funding made it the worst experience. He did not answer emails and I could never get him on the phone. I spent the day before my closing scrambling for paperwork and was stressed and upset the entire day. If I had it to do all over again I would choose ANY other company. read more

complete waste of time if you have a trust. I even took the house out the trust and their title insurance company wouldn't approve the loan even though I qualified for it. read more

I WOULD NEVER BUY OR SELL ANYTHING AGAIN THROUGH THIS PROCESS involving Listed.com and RP Funding!! It's been a complete nightmare for me. I've had Zero representation through the process, I've personally dealt with 3-4 different title people, lenders,....apparently there is no Realtor involved, I've answered the same questions to multiple people, I've been rushed to close early and now no one is in a hurry get me my proceeds. This process has felt like a scam to me from the beginning. read more

Never had an issue with the two mortgages I had through RPFunding. When we recently sold our property and paid off the mortgage, I was told by my realtor that RP has changed and I probably did not want to deal with them again. Hmmm?? REALLY?? Well, she's CORRECT! I get my Escrow refund check in the mail, Made out to ME AND MY EMPLOYER who has ZIPPO to do with my mortgage!! So 3 weeks later, I finally reach a clerk who stumbles over her words and can't even read a dollar figure properly $684. is not SIX THOUSAND....DUH... She tells me I have to return the check for reissue, I say it's not MY problem, it's RPfundings...so she sends me to a Supervisor, who makes me jump through MORE hoops to send her a picture of the check (that I already sealed in an envelope to Mail back as Brittney told me I MUST do....) SO I open it, send the darn picture as they can't see a copy of their own check! AND they don't believe me. What am I going to do lie about a check being useless to me?? SO she then says, after she gets the picture that she has to submit it for reissue which will take up to 60 Days!! WHAT???? It's NOT MY MISTAKE, and they are making me wait 60 days for my money they are required to refund??? HUH? YEAH, they HAVE CHANGED and NOT FOR THE BETTER!! read more

no closing cost buying a house is all BS. all lies!! There is no 0 or less stars.... talked to 2 agents all bad.. one never called back, the other one , said no closing cost then give # with closing cost in them lies!! Very disappointed. read more

There are not enough words to describe how grateful I am that I called RP Funding. I closed on my home May 21, 2021. Jim McDonald, Jammie Johnson, the underwriting team, and even Robert(RP) himself, went above and beyond what other banks/mortgage companies could. Prior to learning of RP Funding I had been approved, pending appraisal, on 3 other homes with other lenders, over a 15 month period. Each one failed to close, (mostly due to time constraints sellers were able to place on contracts with confidence that they would have back up cash offers, all grossly over asking price, and could close immediately, also appraiser' calendars had become harder to get on as quickly as needed) Where others failed, RP Funding made sure I was not going to have to walk away from this one. They went through the entire process from application to verification, and approval with accuracy and speed. Despite all they did on their end, once again I found myself needing a few extra days for the appraisal and to handle things that came up with house during process over contracted closing date. I cried, thought once again it was all over. Jim wouldn't let happen. He reached out directly to seller's agent and was ble to get a 1 week extension without having to renegotiate the sale price as they originally said would be required for extension, my realtor wasn't able to get an agreement like RP Funding did. When I say they did more than others, I have the experience to back that up with. They were kind, understanding. proficient, professional, my interest rates and loan terms all very good and exactly what I thought, very very low interest rate equal to apr at that time. Closing costs were less than other companies as well. Each month I make my mortgage payment, it is with great ease. Not only is the online system easy to navigate, autopay is also easy to set up. Thank you to RP Funding, I no longer have to feel worry or anxiety when it comes to knowing If my monthly income is going to be enough to pay for my housing needs, especially as housing prices continue to increase. Thank you RP Funding, thank you for my home! read more

Terrible service. They promised me a monthly payment lower than other companies, so I went with them. After paying the $500 appraisal fee and waiting months to finish processing the paperwork, the numbers changed the day that the notary came in by more than $100 a month. I tried contacting my rep, and got no communication from him by email or phone. In the end, we canceled since we were barely saving anything, and were out $500. Should've stayed with our current company for less of a savings (which turned out to be MORE of a savings if RP was more truthful) and no appraisal fee. Because it took so long, rates have shot up and we won't be able to get the old estimates that we got months ago. Thanks a lot, RP. read more

No impressed. They don't call back, or follow-up. Been waiting for days, sent multiple emails. No response. Won't be doing business with them. read more

A double dip if you play the game-2-15-19 I put a pre approved(my bank letter)offer with 40% down at Listing Full Price with no restrictions except an answer in 24 hours and gave seller the 45 days to close-The Listed.com Agent told my realtor the sellers will hold out for more offers WHY so the future buyer would use RP Funding No Closing Cost game and they would get ALL the selling commission and mortgage too-What a horrible game.hope they get shut down. Dont Use RP Funding or Listed.com unless your desperate and want to lose money Read the fine print on the web site,there is No Such Thing as No Closing Cost Or commission. read more

Horrible customer service. Set up auto pay. Never went through. Was charged a late fee. After I manually paid, they wouldn't waive the fee. They said there is a 45 day grace period for autopay to go in effect. That grace period was stated when I enrolled nor was that clear in the activation email. read more

This guy comes across as the snake oil salesman of all time. The reviews prove my point. It's bad enough when his commercials come on TV but when they repeat twice in the span of 30 seconds I change channels. read more

This company is spending a fortune on prime time TV commercials during the Olympics. Based on these horrible reviews that makes me very suspicious. I smell a rat. How can they afford an advertising budget like that while giving such poor service? Sounds like I should run not walk based on the horribly low ratings. read more

I would give 0 stars if I could. Luckily I did not end up using RP Funding. They claim they can pay closing costs but their interest rate was higher than everyone else's. Then they said they could match the rate I received from my bank so I said sure. Next phone call she said they would match the rate but I'd have to pay $3000. That's not my definition of matching. I also purchased a home that was listed on listed.com. They were the absolute worst. Extremely poor communication with my realtor and even the seller. I highly recommend no one uses RP Funding. They are a big scam. read more

217/100 in 2016 Challenge Great company. We used RP funding to refinance our home loan. We had an adjustable and wanted to lock in before rates started going up. We started the process online and had a return call the next day from Michael Osgood. Michael walked me through the whole process and it could not have gone smoother. When I was missing something for my husbands business, he called his accountant directly and got it handled. We were then passed over to Michael Del Valle in underwriting to finished us out for the closing. We needed to close on a Saturday early in the morning since that is the only time available for my husband as this is his busy season. That was no problem. We had our closing in their building with the underwriting closing agent Michelle on Saturday just as we requested. They paid all closing costs involved and we even ended up getting money back. The process was started and finished within two weeks. Again great company. read more

RP Funding - Mortgage Brokers Near Me - Maitland, Florida

I just closed on a home financed by RP Funding in august 27, I was referred to RP Funding by a friend, who used RP funding, and very happy about they service,.. They pay all closing costs, plus 1000 at the day of closing day,.. So went I was ready to purchase, I went to RP funding for mortgage loan,.. o boy, I do regretted, at the they of applications, I was amazing by the loan officer, saying that all closing costs will be pay by the bank.. Finally,after find the right house, I was anxious to sign, and move in to my house, at the the day of the closing day,.. After thousands of dollar spend in , stressful days and weeks searching for home, I came with deceived reality true, about RP funding, all was a punch of lies and, I had lower internet rates from navy federal, the day of the closing I about to quit RP funding and o it navy federal, but I was goanna loosing all my spend, and loosing my dream home waiting to move in.,, they do advertising paying closing costs, but is far from the true, all lies, and full of deceptions, I do not recommended this bank lender to my worse enemy, people, stay away. i will never do business with this lender. read more

Every time I see Robert Palmer on his TV commercial, I want to throw something at the set. We used RP Funding to do a refinance a few years ago, and didn't realize we had been scammed until after the fact. The "No closing costs" is a total fake. They simply burry them by working them into the deal. In our case the closing costs somehow got added to the principle. RP sent a couple of woman to our home, where they did all the figuring, paperwork, and closing. This alone should have been a red flag, but we got fast talked and didn't catch on to the scam. When the smoke cleared, our refi saved us NOTHING. Eventually the mortgage was sold to another company, and we have had good service from that company. I would never recommend RP to anyone, they're a total rip off. read more

I hired them to sell my home. It was stressful. They are poor to respond and it was not easy to reach someone by phone. They say their employees "specialize" so you are to figure out whom you need to speak with each week. I suggested that they have one contact person for the seller to reach out to, instead of several. They use a title company that is even worse at responding. They failed to make contact after closing or that they received my paperwork for it and since they rarely answer the phone, I had no idea what was going on; if we were closing or if we even closed. Then after finally speaking with someone on day of closing, they said they would wire my money that day; instead they kept my money for a week. Was that so they could get interest? Fortunately my house sold with first Watson agent that showed it in less than a week (probably usiing MLS)...due to it showing well because of me, not listed.com..they do not offer any help or suggestions. Instead this company uses multiple agents, therefore, each time they show your home it will be a surprise to them, instead of having someone that knows the items to highlight. I suggested that the seller creates a list of items that highlight the best features to help sell and be given to all agents used by listed.com. Not sure if that would have happened. They say no commissions, but this was not my primary residence at that moment, so they took 5%..they did pay the closing costs. read more

They took my buyer to the cleaners with fees after seeing the cost at closing they get more than closing cost to close the loan what a scam

I just got off the phone with Gabriel that apologized she left me on hold looking for a loan officer. She kept coming back and kept me posted. I told her it wasn't important and I would call back tomorrow. 45 min later A loan man calls, Joey Marmo. I told him I was sorry it was so late. He told me don't be silly because he loves his job and how could he help. We discussed what I was inquiring about. He was so knowledgeable it was amazing. He said he had been doing it for 20 plus years. I could tell. In a very short time he had all the answers and they were all favorable. RP Funding must only hire the best of the best!! I experienced the same treatment a few years ago when I got away from a nasty bank. Keep up the good work guys!!!!! read more

At closing, there were major mistakes in the paperwork. The Title agent scrambled to get the corrected ones and printed them quickly. There was no coupon book and the loan payment amounts were different in four various locations throughout the papers. I called the main number and they do not have a record of my social security number or the loan number on my paperwork - they suggested I call my RP funding rep. I left him a message and then called another line and was never connected to a person. I emailed the representative that worked with me before only to get a reply that he was on vacation for a week and I should call the main number. Now, my payment is due tomorrow and I still can't get anyone to help me. I can't understand why they wouldn't want their money. Are they setting me up to fail so that they can collect on late fees??? The idea of this company is good, but there are too many cooks in the kitchen and no one communicates with the other (as made apparent throughout the process). If I don't hear back soon, I'm going to the BBB. Very disappointing. read more

Update. RP Funding reached out to me recently and we now have a much better ending than my original posting. They indicated that they want to resolve my concerns and we are moving forward again. There may have just been some miscommunication at the start and they have really addressed my concerns and really come through. We had our closing this week and all went as promised! Thanks for stepping up RP Funding and standing behind your promise! read more