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    The Millennium Consulting Group

    5.0 (2 reviews)
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    Franco Manueli - Mason-McDuffie Mortgage - Annual Awards Gala for Top Producers Nationwide

    Franco Manueli - Mason-McDuffie Mortgage

    (118 reviews)

    I've known Franco for over 20 years he is reliable dependable and very articulate…read more I have used his services on countless properties that I've owned in the past and my recent purchase here in Florida. With that being said he has closed my homes from Vegas to Florida. My own mother uses his services as well and she always has been satisfied from beginning to end he is very professional. I believe he takes away the stress of the buying process or investing process by explaining things in detail. If you need a mortgage I highly recommend him five stars is not enough . Thank you JamesZito.com

    I chose this loan officer specifically because of the strong reviews and because I wanted…read moretransparency on rates and costs. That's not what I got. Early in the process, I was given the clear impression my rate would fall in a certain range. When the actual disclosures arrived near closing, the zero-point rate was substantially higher, nearly a full point above what I'd understood, and the version I received had thousands of dollars in discount points built in that were never discussed with me. When I raised the discrepancy, I was told it was "the market" and given explanations about what online rate averages "really mean." None of that held up when I checked published data myself. To be fair, the file was handled competently and closed on schedule. But I had to push, repeatedly, before I was shown the full range of rate, point, and credit combinations available to me. My advice to anyone shopping here or anywhere: 1. On day one, ask for the full rate sheet in writing: every rate paired with its exact points or lender credit. Not a verbal quote. Email or PDF. 2. Any time someone quotes a rate, ask if it includes points, and how many, and get the answer in writing. 3.Take that written sheet and shop it with at least two other lenders or brokers. If someone won't put pricing on paper, that tells you everything. 4. Never sign a fee disclosure with points you didn't explicitly agree to. You can decline and restructure at the zero-point rate. I did, and it saved me thousands in cash at closing. Good ratings don't mean you can skip the paper trail. Get everything in writing.

    Tim Deibert - Note A Mortgage Agency

    Tim Deibert - Note A Mortgage Agency

    (35 reviews)

    Exceptional service from Tim and his team! I was referred to…read moreTim by my brother's real estate agent after Tim had successfully helped my brother close on his house. At the time, I was already under contract with another lender, but I wasn't feeling confident about it. The other lender wasn't transparent about the fees, kept things vague, and made everything "sound" perfect--claiming my loan was so complex that only he could handle it. That's when my brother suggested I give Tim a call, and I'm so glad I did. From our very first conversation, I knew I had found the right person. Tim is a straight shooter--he told me upfront about all the fees I'd be paying and didn't sugarcoat anything. Not only that, but he was able to lock me in at a better rate than the previous lender. Tim was always available whenever I had questions (he even gave me his mobile number) and made time for me, even on a Sunday when he was at church! He promptly answered my realtor's questions and provided a necessary letter within hours. Hattie, Christopher, and the rest of Tim's team were also fantastic. They were always quick to respond to my messages, kept me fully informed on the progress, and made the entire process seamless. Hands down, Tim and his team are the best lenders I've worked with to date. If you're looking for a dedicated team to help you close on your dream home, look no further. Tim is the guy you want in your corner.

    Amazing service from Tim and his whole team from beginning to end! Tim will keep you updated with…read moreevery single step of this whole complicated process and will provide exceptional service. He is ALWAYS available to answer your questions and to discuss concerns. Tim and his whole team always went above and beyond. I will surely be requesting their services in the future!

    The Millennium Consulting Group - mortgagebrokers - Updated August 2026

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