Fantastic Experience with Temple Mortgage It was my pleasure to work with temple mortgage to secure financing for our home which resulted in an exceptional experience. All started with the preapproval to closing. Mr. Boyce was incredibly helpful and responsive. Mr. Boyce explain all our options in detail. This ensured that the different loan programs were understood. Along with how they fit our financial situation. He was prompt, knowledgeable and clearly took time to answering all questions. He gave my family a peace of mind during this exciting but stressful time. Professionalism and dedication truly made a difference with my family and we could not have asked for a better lender. I would highly recommend Temple mortgage to everyone looking for a reliable company, customer focus along with excellent service and support. . read more

My Experience with Temple Mortgage (Reynard Boyce) -- Norfolk, VA I became aware of Temple Mortgage through a local podcast featuring Reynard Boyce. Based on that appearance, my wife and I decided to use his services for a DSCR investment property loan. Upon visiting his office at 440 Monticello Ave, Suite 1850, Norfolk VA, I noticed the workspace was very small. Throughout our interactions, Mr. Boyce frequently referenced his 30 years in the banking industry. During the loan process I experienced several significant concerns: Loan complexity: The DSCR loan process through Temple Mortgage was more difficult and time-consuming than expected for a straightforward investment property transaction. Cybersecurity incident: Mr. Boyce's computer system was compromised during our transaction. I was not notified of this breach in a timely manner. As a result, I nearly wired my down payment to a fraudulent account. Fortunately, the title company had not yet processed the wire and the situation was resolved -- not through any action by Mr. Boyce, but through the intervention of another party's legal counsel who was contacted that evening. Mr. Boyce's response to the near-loss of my down payment did not reflect the level of urgency I expected given the severity of the situation. Missed closing: Due to delays in the loan process I missed my originally scheduled closing date. I have not missed a closing on any prior real estate transaction. Fees above market rate: At closing I discovered the broker fee charged was significantly higher than the standard 1-2% typically charged by mortgage brokers in the Hampton Roads market. This fee level was not clearly communicated to me prior to closing and only became apparent when I reviewed the HUD closing statement. Appraisal refund: I was verbally told at closing that I would receive a refund for an appraisal overpayment. That refund was not issued for approximately 30 days and was only processed after I submitted a formal written demand letter. Based on my experience I would not use Temple Mortgage again and would not recommend them to others. I have documentation supporting each of the above statements. read more

I am submitting this because Boyce uses two techniques that smear people who criticize his behavior. He denies the behavior or denies he knows the person making the review. My wife will be submitting an unflattering critique of his work. We anticipate a blast of our two reviews. I can confirm that the reviews are accurate. We formed a team of five professionals to work on a mortgage. That team included the sellers of a house and all potential buyers of the house. We were investigating a mortgage for the sale of the house. We began our discussion with Boyce with a description of the first potential buyer, and intended resident of the house. We told Boyce that the team member's credit history was compromised. Boyce informed us that items on the credit report that were more than two years old would not impact the buyer's ability to qualify. Clearly wrong. He then took information about the team member, stating he would get him pre-qualified. Information which he immediately lost or forgot. A day later Boyce suggested that my wife, another team member and potential buyer, to check the first team member's credit. She declined since we would ultimately be paying Boyce to do this. He agreed. In two days, Boyce informed us of a phone appointment with an attorney who would do the closing. Our assumption was that pre-qualification had been accomplished. It hadn't. On the day of that conference, Boyce asked, again, for the information about the first team member. This was the information he had lost. While on the phone he checked the credit score to find that the information on the report which was more than two years old did indeed disqualify the team member from arranging a mortgage. My wife attempted to inform Boyce of the fact that the pre-qualification should be the first step in the process and not the last. She never got it out. Boyce immediately launched into a high-volume dissertation at the end of which he ended the call. I was present for his screaming tantrum and heard the entire episode. Boyce is incompetent, disorganized, too trusting of his own memory, a bad communicator, rude, and I think, dishonest. He can neither write, spell, nor do simple arithmetic. While it is difficult to confirm, it appears that one of the positive reviews on Yelp was written by Boyce himself ("Temple M.") read more

DO NOT USE THIS COMPANY. THE OWNER IS VERY UNPROFESSIONAL AND NASTY. RUN FAR AWAY FROM THIS MAN!!! Do not talk to Raynard Boyce. He got upset because I told him I would continue to look for other options. First off, he totally operated outside of his lane. I simply asked for a HELOC (home equity line of credit). He goes off on me basically throwing up in my face how long he's been in business and tells me what kind of contractor I should be looking for. After telling him I would look for other options he hung up on me and when I called him back he called me a crazy lady. DO NOT USE THIS COMPANY. I am reporting this business to the BBB. Which by the way, another person left a similar review about him not being professional. If you look at the reviews, the people who gave him a poor review, he has responded in a negative manner so it's a possibility he will do the same with this one. Oh and if you read this Boyce, I got the amount I wanted from another more PROFESSIONAL company :-). There's nothing more you can comment to take away from the fact you are NOT APPROVED/RECOMMENDED by the BBB and shouldn't be in business at all. Just because you call yourself "knowledgeable" doesn't mean you should be a business owner. read more

Temple Mortgage - Mortgage Brokers Near Me - Norfolk, Virginia