I can't speak for Vanguard Finding in general but Sandra Meskin, who works as a mortgage broker for…read moreVanguard, is fantastic. I guess it depends on who you end up with. Sandra was recommended by my real estate agent having brought many deals to closing as quoted, no bait and switch here. Most importantly for me Sandra answered my numerous questions about just about everything you could think of. She would often reply late at night while I lay awake sweating over LTV, Fixed vs. Jumbo, points, and credit scores. She is also proactive in contacting me where as I've had experiences chasing mortgage brokers to get back to me in a timely manner as required by the deal!

On 2/25/2015, I was contacted by German Concepcion in regards to applying for a mortgage loan. I…read moredid not contact him, he solicited me. After discussing my situation I agreed to apply for a pre-approval. Mr. Concepcion, after being provided with all my documents, quoted me a loan amount of $215, 000 loan 3.5 down (7,000). I agreed to this loan amount. However that very afternoon the first written correspondence I received from him indicated a loan amount of $210,000. I contacted Mr. Concepcion via telephone and he stated that the number did not fit and had to be lowered. I accepted this against my better judgement I should have known at that time that if a person's does not keep their word they have no character. On 2/26/2015, I received my pre-approval letter. It indicated a down payment of ten percent. I contacted Mr. Concepcion to ask him why did the pre-approval state ten percent. This fast talker stated to me that it was just put there because I indicated that I might put ten percent down but that it had nothing to do with the the loan. "Its just there." and does not affect the amount of the loan. He continued to insist to leave it on the pre-approval but I insisted it be removed especially since as he indicated it has nothing to do with my loan. Thankfully this conversation took place in my office via speakerphone. At this time Mr. Concepcion agreed to have it removed. Later in the afternoon he sends me an email and a pre-approval letter indicated a loan amount of $200,000. I contacted him and he states to me because I decided not to put the ten percent down which is not what was agreed upon ( he quoted me 3.5 down (7000) loan amount of $215, 000). Mr. Concepcion lies and states that we discussed the difference between FHA Loans and Conventional Loans. More lies, We actually discussed FHA Loan and VA loans. I wasted two days on someone who apparently had no intentions of being honest and did not give me the benefit of the doubt that among change after change I would not stop to think. This morning I unfortunately had a conversation with his Boss, Michael Mr. Chiffone. Nonchalant, un-apologetic, pretentious are all words that come to mind. My advice is if you find yourself dealing with this company record everything. Dishonesty, bait and switch come to mind. I will also be forwarding my complaint to the Better Business Bureau, The Consumer Complaint Agency, The State Regulatory Board and The Attorney General. I provided personal information and documents that I would not have done otherwise if German Concepcion would not have lied to me.

If you're looking for a mortgage lender who actually cares, go with Bobby. He made my first…read morehome-buying experience seamless despite a very tough market. Bobby is attentive, always available, and incredibly thorough. He never missed a call or text and was always ready with a solution to get my offer noticed. He truly listened to my needs and helped me close on the perfect home. 10/10 recommendation

Bobby was recommended by my brother who closed on his home a few months ago. My experience with…read moreBobby far surpassed my expectations. First home purchases are perceived as stressful and complicated. Not in this case. Bobby and his team were along for the ride every step of the way, portraying professionalism, care and dedication. I look forward to working with Bobby on our next adventure. Thank you Bobby!!

Beware if you're shopping around for rates - Cliffco's loan officers will run a hard credit check…read moreon a pre-approval even if you decide not to use them. No other loan company I worked with did this, and so I had a lower credit score than I should have had when I locked in my rates with another company. This may have caused some monetary damages to me and I may be paying a higher rate on my mortgage because of them.

First-time homebuyer in Queens - went with Cliffco for a SONYMA low-interest mortgage. My income…read morehistory turned out to be unique for SONYMA, which brought some angst and delay into the process - but Sean Dwyer and his Cliffco colleagues were strong partners throughout. I appreciated the straight-up communications and support from beginning to end - never any doubt that Sean had my back. All ended well (writing this from my new apt!) - Strongly recommended!

The Expertise & Commitment of the Loan Officer, John Cuccia & Loan ( New York ) & Processor, Mary…read moreKennedy ( Texas ) are EXCELLENT. I give them 5/5 Stars MALIK AWAN

From the owner: loanDepot offers home purchase and refinance loans, personal loans and home equity products.read more

Jonathan was a Godsent when we needed to get our mortgage. When I asked Jonathan what…read moreB.O.A. 30yr. Fixed rates were he told me, & I said that I think they're a little high. I told him that being I'm a Veteran, that I can go online and get a cheaper rate. He told me that if I can show him that rate in writing, that he would match it. Not only did he match them, he gave us an 1/8% lower. Also the time frame it was approved was in record time. Jonathan is one of the kindest & highly professional person we ever met. We would highly recommend Jonathan for anyone needing to get a mortgage or any other banking issues. Sal & Maria B.

From the owner: Spring is the busy season for purchasing a home, and now may be a good time to look into the…read moreeffects of changing interest rates. I want to help you finance your home, whether you're considering purchasing a home, refinancing your current one or applying for a home equity line of credit. If you have any questions, reach out and I'll be happy to help.

I was pre approved for a investment mortgage by Bryant. I made an offer for a property and it was…read moreaccepted by the seller. I made several attempts to contact Bryant via telephone calls and texts and received no response. This guy is scum. Be careful who you get into business with.