This is a total bait & switch company. They advertise no closing costs but they don't tell you…read moreupfront 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

I feel obligated to give 2 stars because the fact is that RP got me the best rate on my refinance,…read morebut 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.

Orlando Financial Center was my third stop on my refinance journey and I don't mind saying that I…read moremade a mistake going anywhere else first. Everyone else I had dealt with was untrustworthy and unprofessional (bait and switching rates, adding fees, etc.) Then I met Nancy. Nancy and her team were all equally delightful, super responsive and did their best to get me the best rate while making the process easy and painless. My full time job isn't to refinance my home and they understand that. Whether it was email, phone or in-person, Nancy and her team understand quality service. I'll be back and I will gladly refer everyone here. Thank you!

Nancy with Orlando Financial was extremely helpful and we were fortunate to work with her. She…read morereally walked us through every step of the way. She was honest, detailed, and kind. She made sure we understood all the paperwork coming our way. She offered her suggestions and provided tips along the way. Not only that, she was constantly in communication with clear and concise information. Buying a new home can be stressful, but she really made the process that much simpler. I would highly recommend working with her again and plan to refer her to friends and family in the future. Thank you again for ALL you did!!

Stephanie was quick to respond to schedule an appointment for notary services. She went out of her…read moreway to make it easy for us to get the documents executed. Will definitely use her again when needed, and would recommend her to anyone needing notary services. While we met at her office, she said that she also does mobile notary.

I was emailed some last minute paperwork from my job for a travel position that needed to be…read morenotarized fairly quickly. Stephanie was more than accommodating in making sure I got everything that I needed all while being quick & accurate. Friendly, efficient, reliable & professional service. Definitely recommend.

This process has been an absolute nightmare. Communication is awful our closing date has been…read morechanged 3 times. We were a challenging case with a co-signer out of state. We have sent the same paper work in multiple times only to be asked for it again. Were we the perfect client no we missed some signatures but we still being asked for the same paper work the day before we were supposed to close. Surprise new closing date almost a week later. Frustration doesn't even begin to cover it.

Screw these guys. They don't answer the phone and after several messages and 2 weeks I still…read morehaven't heard from them. At least the banks answer the phone!

I'm have never experienced an easier home buying experience than when I had Kellie's help with…read moregetting started with financing. It was easy from start to finish thanks to her advice and savvy planning. Thank you so very much, Kellie!

From day one, our mortgage advisor, Kellie Czarny at Fidelity Funding Mortgage Corporation, went…read moreabove and beyond in every aspect. From the pre-approval to the completion of the mortgage, she was ready to ensure we were successful. Her pleasant, helpful manner made her easy to work with as we completed all the steps needed to get the approval in a timely manner. She was always available and ready to respond to any questions. Best of all, she is very knowledgeable of the industry which in our view, made the process of getting a mortgage go smoothly. We would recommend working with Kellie Czarny at Fidelity Funding Mortgage Corporation.

We mainly worked with Crystal and she was absolutely amazing! Any questions that we had (even if i…read morefelt they were simple or even stupid) she would answer them with a smile on her face. Her communication was outstanding as well. So happy we went with Bruce's Team

Bought my first home through Bruce and his team! They were absolutely amazing! They were always…read morethere to answer any questions I had and walked me through every step of the process! I can't say enough good things about them!

I've used Sondi twice now for a mortgage and he is so easy to work with. He didn't try to sell you…read moreand would even give you a contact of someone who might have better rates if that were the case. He was able to meet or beat the offers of the dozen other lenders I got quotes from and made it such an smooth and easy process. Even if you have a preferred lender, it is worth every second to reach out to The Mortgage Expert to make sure you got the best deal!

This is the third home we purchased with Shahram and as always, he was fantastic to work with!…read more Shahram is incredibly knowledgeable, easy to reach, and always willing to answer questions. His website and mortgage tools made it simple to compare options and understand the numbers, which helped us feel confident throughout the process. From start to finish, everything was smooth, organized, and stress-free. He truly lives up to the name the Mortgage Expert. We trust him completely and recommend him to anyone looking for a mortgage broker who is honest, responsive, and great at what he does!

I met Mr. Armando Tautiva, a Mortgage Loan Originator with HomeBridge the beginning of March 2016…read more He seemed eager to work with me, and I was very motivated to get pre-approved to buy a home, which I know takes time. I brought all available material at our first meeting, pending only the 2015 Tax Return. Three weeks ago I took the return to the realtor with whom Mr. Tautiva works in my area and she promised he'd get it the following day. I didn't hear from either of them but assumed all was proceeding as planned. I finally texted Mr. Tautiva for an update a week ago, He advised me he'd never gotten my docs! They didn't follow up with each other (even though he knew I'd left it for him) and I wasn't happy about it. His lack of follow up was the first sign that perhaps he would not be the right person for me to work with. We finally met today to give him the return and explained that my accountant had made a mistake and immediately filed an amendment. But Mr. Tautiva told me he wouldn't be able to use the amended return. When I asked why, he said that was the policy at HomeBridge. When I expressed surprise that he'd be using inaccurate information from the wrong tax return, he became very rude. He turned his back on me and said, as he walked away, that he couldn't work with me anymore. Mr. Tautiva left me standing there, holding the paperwork, got in his car and drove away. To say that THAT WAS EXTREMELY UNPROFESSIONAL is an understatement. His attitude didn't bode well for the beginning of a long process. BEWARE the IMPATIENT BROKER, who seems put off by questions, and the UNCOMMUNICATIVE BROKER, who doesn't feel he needs to respond to your calls/texts. That is not the type of person I would want working with me on a process that is already stressful.

I can't even begin to explain how helpful Nathaniel was throughout this entire moving/financing…read moreprocess. He was very optimistic, patient, took the time to answer any of our questions/doubts, and always responded quickly. He laid things out clearly for us in a simplified manner, and had we worked with anyone else I'm 100% sure they could not have been more helpful than Nathaniel was to us. Go to him for all your housing needs! If he is still in business the next time we buy a house, there is no doubt we will use him again.

From the owner: We specialize in any type of home loan a consumer may need and have products that are 100%…read morefinancing, rehab loans, FHA/VA, Fannie Mae, and a suite of Non-QM products. Everyone deserves to own a home and we can make that happen.