Worst Non-QM wholesale and retail company out there. Over conditioning, high rates and slow turn…read moretimes. Stay away!!!!!

ACC (All Credit Considered) Mortgage establishes an opportunity for non-qualified individuals to…read moreobtain mortgages at plausible rates, with the lowest down payment of 15% when compared to other banks. These non-qualified individuals range from foreign nationals to DACA recipients such as myself, and even immigrants who pay taxes and utilize an ITIN. Upon reaching out to this company, I was immediately connected with Senior Loan Officer Hubert Rivera, who was very insightful and responsive throughout this entire process. In this current market (2021), obtaining a home at asking price was often very difficult. Mr. Rivera expeditiously sent over pre-qualifications and run downs of mortgage costs for all of the properties we came across and made offers for, despite facing constant rejections. Upon being accepted as a backup offer after losing hope in purchasing a property, Mr. Rivera immediately begun his paperwork and sent over all of the documents needed for signing. There were times where Mr. Rivera was unavailable and unable to return messages, which was understandable due to the high volume of paperwork he was processing. He did go above and beyond his duties as a loan officer by breaking down the process of purchasing a home and drafting up a list of all the items I would need to present in order to obtain clearance from the underwriter. Throughout this entire process, my mortgage became very close to falling through on numerous occasions. I was often scared by the many reviews left by individuals who have conducted business with this bank stating poor experiences and major problems. Despite this, I took a leap of hope and placed my full trust into Mr. Rivera and his loan processor, Rosalia Gramegna. These two individuals possessed the foresight to see potential problems with my loan application and were able to rapidly develop solutions to overcome them. Ms. Gramegna was very responsive as well and returned my emails as instantly as she received them, answering all of my questions with detailed information and a hint of warm and kindness. Despite my closing date being pushed back on numerous occasions due to minor faults in our paperwork and some delays from the other party, the team at ACC mortgage was able to move my loan for closing as soon as they obtained the clearance necessary to do so. They were able to make my dream of purchasing a home for my family come true; I will forever be in their debt for their tremendous efforts. HOWEVER, It is very important to note that in order to make this possible, you have to be willing to commit to the process and be extremely responsive to their requests. You must be diligent in returning their emails and providing them with an abundance of information necessary to clear your loan. THERE IS NEVER TOO MUCH INFORMATION TO PROVIDE TO AN UNDERWRITER. The documents to be presented to this bank must be neat, organized, detailed and accurate. The role of the consumer in this mortgage process is just as important of that of the bank; YOU HAVE TO BE WILLING TO GO THE EXTRA MILE TO OBTAIN THIS LOAN. REMEMBER, THIS BANK CATERS TO NON-QUALIFIED INDIVIDUALS, THERE WILL BE EXTRA STEPS TO TAKE IN ORDER TO RECEIVE THIS MORTAGE. In the end, ACC Mortgage is making a major difference in the non-qualified/immigrant community as they are allowing those who work hard and save up to obtain the home of their dreams. Thank you once again for making this possible Hubert and Rosalia :)

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!

The experience I had with GMM was excellent. Mallory Burgan answered all my questions. She gave me…read moreoptions so I could make an informed decision and select the best loan package for me. I also wanted to close within a few weeks and GMM made it happen in 2 weeks! Incredible! This was my first home purchase and Mallory alleviated my stress by being so responsive and friendly. I received phone calls, texts, and emails with updates, and Mallory also helped me find and download the GMM app. I am impressed by the professionalism and diligence of both Mallory and Daniel (Brent) Whisenhunt. Everything is better when you are working with good people and they are good, kind people who are awesome at what they do! I look forward to working with them/GMM in the future. I fully intend to recommend GMM to my colleagues, friends, and family.

Overall, George Mason Mortgage was prompt and responsive. However, they made two mistakes in my…read moremortgage application process, one of which cost me thousands of dollars. Initially they gave me a "there's nothing we can do" response but I continued to raise the issue with GMM management and they eventually assigned Brian to my case. He was outstanding to work with and really demonstrated the client-first attitude that businesses should have. His flexibility and advocacy helped resolve the issue that GMM had made. The four stars is really for him and his team.

I wish I could give this sham of a company zero stars…read more Unfortunately, I was a client of City Lending in pursuit of a mortgage for my first home purchase. We worked with Loan Officer Kennedy and his team for this loan. The service was pitiful and I am in shock that we were able to close on our home. We put the offer on this house May 15th and were accepted on May 20th. Kennedy and his team began working on our loan and based on email threads we received, it was clear that for a good chunk of time, between May and June, nothing had been completed on the papers. My fiancé and I were actively replying and quick to send any documents requested, typically with a 24-hour turnaround time. We were set to settle on June 24th before my fiancé and I had to leave town for a work trip. That gave the team about four and a half weeks to complete our loan. From the beginning, Kennedy knew that we were using the MD Smart Buy Program and promised that it would be cleared within days due to a contact he had at the state office. Weeks went by where we only heard from the underwriter and on June 17th, a HOLIDAY weekend, the underwriter urgently calls us at 3 PM asking us to submit a BRAND NEW 20-page document ASAP as it was needed for the state application. WHY this document wasn't sent to us WEEKS prior - I do not know. My fiancé and I were out of town with no access to the files and resources needed to fill this out. Sadly, it was a holiday weekend and Monday then became moot in terms of submission to state as nobody was working. Now, we are heading into a 4-day work week in which our state application has YET to be submitted and we are supposed to close Friday at 9AM. Kennedy and the underwriter go silent and say they've submitted it to the state, despite their claims the application was done"2.5 week prior". Once the state confirms receipt, the state asks for additional information that was missing from the initial submission. Again, this was information Kennedy and the underwriter failed to request from us in advance of submission. Now, it's Friday AM and we are not closing on time, we are asked to push until 3 PM. Kennedy writes again stating that we are not closing and the best he can do is Monday, but told the Title company Tuesday. He was not transparent at ALL throughout this process and every day that went by felt even more like we were being lied to. Eventually, Monday rolls around with no settlement and more lies/evading the truth. Tuesday rolls around, same story. At some point Tuesday, someone from City Lending called the LISTING agent and told them lies that we were refusing to come to settlement, escalating the entire situation even further. The sellers were depending on our purchase for them to go and purchase their new house. At end of day Tuesday, the state replied back to Kennedy and his team that there were 27 outstanding items on the submission they sent in. This was a variety of incorrect dates, mistakes on their part, and missing documents. End of day Tuesday the revised application was sent back to the state. Eventually, we get the email the state has reviewed and accepted the application and now it is back to City Lending for final review and to the title company. Wednesday AM rolls around and we are hopping on another flight having to reschedule our fourth notary appointment due to City Lending lack of urgency and competency. We land in our new state and now have an afternoon appointment with a notary. Our title company has yet to receive the paperwork for review before they can release it to the notary company for print then travel to our meeting location. After 5PM EST, the papers are in and by the grace of God and a very kind Title Company executive, we sign our paper's This chaotic story should convey how poorly handled this situation was. City Lending should be ashamed of their business practices. This is not how your treat clients who are eager, ready, and quick to provide documentation. I will NEVER use their services again and I will be sure to let any person buying a home know not to pursue this business. The fact we even had to pay the lending team sickened me to my core - the only thing we got out of this was a week of pure stress, a ruined business trip, and many burnt bridges. Do yourself a favor and do not use City Lending.

City Lending helped me get a condo in miami. They have good people working for them. Stephanie is…read moreas professional as they come. She is great and knowledgeable. Yanine is great also. We had ups and downs and it seemed like we were doing things over and over again. Eventhough at times it was rough dealing with them and sometimes it felt like they were unorganized, my loan was still processed in a timely manor. They did put in hours and effort last day to get everything done so I would have my closing on the original day. I would recommend them.

I would not recommend Sean Pierpont (NMLS ID 141727) with First Home Mortgage. I am interested in a…read morenew build and Sean is listed as a preferred lender by the builder. I completed the application process online seamlessly and self-scheduled an appointment on his calendar. Our initial conversation I found odd as it lasted no more than 5mins while two other loan officers I reached out to were engaged, knowledgeable, responsive, and provided alternate financing options. As a potential client and a first time home buyer, I was made to feel like I was inconveniencing him. Prior to ending the call, I was informed I would receive a follow-up email with two different options. Two days passed and I did not receive anything, so I gave him the benefit of the doubt and sent an email requesting a status update--it is now 5 days after our initial conversation and I have not heard anything back. The 2 stars is due to the lack of communication by this loan officer and does not represent other First Home Mortgage loan officers as he was the only person I've had brief dealings with. Their intuitive system is the reason for the 2 stars instead of one, maybe if you get another loan officer, your experience will be better. Luckily, I was not in a time crunch- otherwise, working with him would have gave me anxiety and stress. I would suggest you work with someone else.

Sean and his team did a great job helping to finance and close on my mortgage…read more They were very professional throughout whole process and I never felt misinformed or 'in the dark'. This is not my first experience with a mortgage company and Sean Pierpont and his team from First Home Mortgage met and exceeded all my expectations. Thank you for remarkable experience!!!

I've used Fulford Lending for a couple of fix-and-flip projects, and they've been fantastic. Quick…read moreapprovals, straightforward communication, and they really understand the local market. Definitely my go-to for hard money.