Lender may deny your home loan days before closing!…read more Sheer incompetence and inability to follow simple underwriting practices leave buyers HOMELESS! Extremely disappointed! As a seller, we experienced significant issues when the buyers were unexpectedly denied their loan DAYS before closing. The denial was allegedly based on income verification--a critical issue that should have been addressed weeks earlier in the process. Instead, this lender failed to identify and resolve these problems UNTIL the final hour, causing immense stress and MAJOR disruption. Such a lack of foresight and thoroughness reflects POORLY on their professionalism and operational efficiency. The last-minute denial not only caused unnecessary complications for all parties involved, but one can imagine how this type of situation has impacted someone's life! This kind of abhorrent service is UNACCEPTABLE and should be avoided by anyone looking to close a deal professionally, smoothly and reliably. DO NOT leave your home purchase at the hands of Embrace. You are taking a HUGE risk in doing so. They will NOT embrace you, but yet make excuses and provide pat answers. And to think this was a pre-approval too is even MORE concerning. I feel deeply sorrowful for the buyers in this situation and pray they choose lenders with far more ethical standards in the future. Shame on Embrace Home Loans.

Ian, our officer was fabulous. I've reached out a year ago mentioning my situation at the time and…read morehe gave me great pointers for building credit/information on first time home buyer's. Fast forward a year and us getting everything together, we bought a home today!!!He's super attentive and very kind! It was just an overall great experience and I can't thank him enough!

Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

Brian was absolutely outstanding, and guided us through the entire mortgage process (as buyers)…read morewith poise and humor. We would absolutely use Brian again if we needed to get another mortgage. Cannot recommand him highly enough!

Last week, my wife and I closed on a home refi. I didn't know a process can go so smoothly. From…read moreday one, Sondra kept us updated and provided very useful information on what was available. Her team was very efficient and managed to get everything set for close in a timely manner. Sondra made sure I got as much information as possible and said no surprises as it was her goal to provide excellent and exceptional service to all her clients. Thanks Sondra and your team for doing the best! I will definitely highly recommend you to my friends and family. Thanks!

Closing was pushed back twice. Never was I given a clear explanation of why the delay happened in…read moreboth cases. Poor communication. If I was not on top of the process, I would not know how the process was going on. In overall, a bad experience and would not recommend it.

Sellers beware! We were selling our home and Homespire was…read moreour buyer's chosen lender. We were told that buyer was pre-qualified, and for the whole month before closing, Hopespire has been telling our agent that everything looks good and that they were only waiting for a couple of updated documents from the buyer. THREE DAYS BEFORE CLOSING, we were notified that the deal fell through because the buyer couldn't secure a loan! We were told that lender found out there was a mistake in buyer's credit report!? I simply can't understand how such thing could happen after a month of "everything looks good"?? We didn't even get to keep the honest deposit and now have to put our house back on the market and start allover again. Worst experience ever.

"I have been referring friends and family to Brent Mendelson since my first home purchase in 2014…read more I called him again in 2019 to make sure we were financially sound to finance a new home. He helped me make sure everything was in order and in 2020 Brent helped us finance our second home. Then again in 2021, he helped us get an amazing refinance for a much lower rate. Brent is by far the most knowledgeable, professional and honest mortgage broker I have ever worked with. His personal attention to detail is a great comfort to me. He knows the ins and outs of the VA loan and we received the best possible rate in the craziest of Covid times. I have the utmost confidence recommending Brent Mendelson at Capital Bank knowing that my friends and family are handled with exceptional customer service and professionalism."

Was interested in refinancing so I did some research and also gave Brent Mendelson of Capital Bank…read morea call. Brent was responsive, explained the process, and made it super easy to get a great rate with low costs AND help us to quickly close on our refinance. The only disappointment - we weren't able to beat Brent's 9-day start-to-close record! The Capital Bank website and portal to support the loan process were also user friendly and quite good. If I have ever have home financing needs again I will be sure to look at Capital Bank again and/or call Brent Mendelson. Full disclosure - this is the second loan where I've worked with Brent (first was for first-time home buyer house purchase). If you cannot tell based on my repeat usage I would highly recommend that anyone interested in a home loan reach out to Brent. If you don't have a loan guy, Brent should be your guy!

Francki DiFrancesco is a con artist, liar and should lose her mortgage originating license. First…read moreoff, Apex as a company is good. They have an efficient, seamless process and the departments all work together well so that your file is never stagnant. I closed in under 4 weeks which was awesome. The problem was that my loan officer Francki DiFrancesco repeatedly lied and mislead me about working on lowering my interest rate. She was careful to do this by phone so that there wasn't a paper trail and then by the time she admitted the rate wouldn't change, it was too late. I had to close or lose my $14,000 earnest money deposit and my condo. I wish I worked with anyone at Apex besides Francki.

We found Apex Home Loans from our online research. Saw that they had great reviews in the Rockville…read morearea. We decided to give them a try and they didn't disappoint. The interest rate was questionable at first, but we felt more comfortable when my credit union offered a higher rate. Matt Lieberman was very helpful from beginning to end. He answered our questions very quickly. He was also just a phone call, email, or text away. Matt was also very flexible with our schedules since we also work in car sales. I'm also very surprised we didn't have any problems leading up to closing. They did it in less than 25 days! Everything is what we expected! We were also concerned with our commission-based income, but Matt and his team were able to work with us! He assured us 100% that everything should be okay and he was right. We also loved the engraved cutting board gift. We appreciate your team. Thank you Matt, Angie, and Debra!

As a first year real estate agent I did my first ever closing with Aestar as my closing agent. The…read moreprocess was seamless, professional, and efficient while also very easy to understand as Jonathan communicated with me the entire way. I highly recommend Aestar as they are respectful, direct, and take care of their clients. This full service experience was so wonderful I will continue using Aestar as my title and escrow service.

I am an agent in VA, DC,& MD. With all my years of being a Realtor, Jonathan with Aestar has been…read morethe best processor I've ever have the pleasure in working with. He's knowledgeable, experienced, and usually responds within minutes if not seconds 24/7. I've worked with Johathan twice so far and bith times have been great. With locations in VA, DC, and MD, Aestar made it easy for me to close conveniently. I've worked with over 10+ title companies in the past and Aestar is #1. I highly recommend Aestar to any Realtor in the area!

I have been inside and also used the ATM. I have always been able to quickly deposit or withdraw…read moremoney and I love being a NFCU member. I am not sure how they are for larger purposes, but I enjoy using this bank.

Extremely unprofessional staff. I should have known when I walked in and the trash was overflowing…read more No members in the branch and poor quality staff. I was not helped and had to go to another branch. Was given incorrect information telling me I couldn't write the check out to the person I had to deposit the check to because they had to sign the back of the check....girl what? If this was my experience with my account I would IMMEDIATELY cancel.

HORRIBLE!!!! Do NOT use this company. We were under contract for 63 days with this lender. ZERO…read morecommunication, missed deadlines, false promises, lender had an expired mortgage license (how do you not know this????), lie after lie after lie. Did I mention this company is HORRIBLE?????????!!!!!!!!!????????

With interest rates dropping, my husband and I were looking into refinancing, and we knew there was…read moreno one else other than Scott we could trust. Sure enough, he got us a spectacular rate, and we are due to close very very shortly. He was, once again, with us every step of the way...even going as far as texting us reminders to sign forms as they come out! With Scott, you can be sure that things will get done quickly and efficiently. Thanks again!

I was referred to Michael Parsons after having a frustrating experience with Wells Fargo. AND I…read morehave a 800+ credit score. Michael was professional, fast; easy and pleasant to work with. He cares and puts the right kind of effort out. Refinancing my Chesapeake waterfront property was very successful and I'm inclined to recommend Michael and his team to virtually anyone.

During our home search, after one failed bid due to our loan officer's negligence, our agent…read morereferred us to Apex Home Loans because she wanted a better provider for us. Our agent had to camp on the previous loan officer's line and still failed to get a pre-approval letter sent in time. Apex Home Loans provided amazing customer service that got us the best loan package and guided us through the whole process. They guided us through the checklist of requirements and made the whole process less stressful. Michael and his team are trustworthy, reliable, and look out for your best interest (even if it means a longer discussion on the pros and cons of each loan option). They also stay connected after the home purchase and keep you abreast of current rates and options. I've recommended Apex to my colleagues and friends because we really benefited from their expertise!