I'm so happy to write this review! I'll give you guys a little personal back story in hopes that it can help other FLORIDIANS who are in a similar situation. Yes, their business is in AZ but they're licensed for several states including Florida. Working through the time difference was trying, but that is a small price to pay for what they did for us. Read on! Does anyone else feel like it was just super easy to buy a house back in the day? Like people always talk about "back in my day" but really, did you all have 40k in student loans "back in your day" I. Do. Not. Think. So. So my family makes a pretty great living and we are blessed but I was told by multiple conventional lenders that they wouldn't consider my family due to a couple of factors. Then I googled no overlay VA lenders Florida and guess what? We built a home for our family. After years of paying for so called luxury apartments and throwing our money away we finally got a chance. I need you all to have realistic expectations that your loan will absolutely be sold to a different bank. Like these guys will not keep you. A lot of banks sell your mortgage. They haven't sold ours yet but I'm anticipating it shortly. If you've been told no, just give these guys a shot. As long as you have suitable income for your situation and no late payments in a 12 month period of time then you should be good to go. Also we put no money down and got money back. We also have a lot of equity in our home already because we contracted in November and closed in June and prices have skyrocketed since then so we are in a great position currently. read more

Mark has processed several loans for us. Each time he was on point with the interest rates, timing and details. He knows his underwriters well and will give you exact information every time. My whole family has used Access Capitol and we would'nt go with anyone else. Thank you Mark! read more

Michael...i dont even know where to begin. As first time home buyers we had concerns questions and also being a military active duty member i had TONS OF QUESTIONS. But michael was fair informative ..0 BS from the start. Ive had a few businesses, been a cop, now military ive heard so many VA stories about credit scores lending debt to income rstio.....MIchael just wades thru it all as a consultant and a friend. He is constantly monitoring the market is personable and he loves European fine automobiles...what else is there to say. We are blessed to have found him and his team...like another review says...i dont know Michaels salary but clearly he is worth his weight in goal for helping me and my family purchase our gorgeous 1st home in Colorado! Thnks Michael. read more

Amazing. Tom was our guy from the beginning and helped us every step of the way, our credit was not ideal but that didn't stop him, I can't even say how grateful I am and happy to finally be a home owner!! Thank you Tom and Tim!! read more

If you are going to use a lender to buy a home - call Michael O'Connor. Holy moly is this guy better than the invention of sliced bread, tires, and electricity. Just not coffee, nothing is better than the invention of coffee. Seriously, working with Michael was amazing. He made something so painful seem like a piece of cake. I started thinking he was my life coach instead of my lender. He truly stay dedicated to me and helping me through the process. He was always responsive and transparent. On the financing side, he locked me in at an unbelievable rate and way lower than I thought was possible (well below 4% with my fair credit scores. He was amazing throughout the process. I am really going to miss him and our weekly chats. read more

After applying for several home-loans my wife and I chose Access Capital, who we found through Lending Tree. Michael O'Connor, a senior Mortgage Consultant reached out to us shortly after applying. After the first phone call he was there for us day one to the day we got our home. He even called after to congratulate us. As first time home buyers, he walked us through every step, told us what to expect next, and helped us with paperwork that confused us. Since we were buying a home from a relative we didn't have a real-estate agent so he even took the time to help me fill out the contract to purchase our home. He spent a lot of time on the phone helping us through the entire process, sometimes over an hour! Sometimes on Saturdays, too! He was very informative throughout and knew what he was talking about. Not only did I feel like I had the right guy in our corner helping us get the best deal, I walked away from this transaction feeling like a had a friend in the mortgage business for life. I would strongly recommend him to anyone in any type of situation, because he can, and will, help you achieve your goal. Like I told him on the phone, I don't know what he makes, but it can't be enough, I hope they give this man a raise and realize how much of an asset he is to the company... Thanks again Michael! -Mike&Mary read more

I wanted to give a 5 star review to Access Capital Group and the person that made it possible, Mark Christoffersen. Mark was engaging, informative, and optimistic from the very beginning for my VA loan. Other lenders state that they are "certified VA lenders", but in reality are just as lost as the veteran is with the process. We had worked with other lenders that seemed to always have an issue down the road. With Mark, I had everything squared away within 3 weeks. I have been in my new home for two months now thanks to Mark and his team at Access Capital Group. I would never recommend anyone else!!! Thank you, Mark! read more

Michael and Tim went above and beyond. They handled my questions and financial issues like the pros they are! Can't thank them enough!! Love our new home! read more

they never got back to me after explaining my credit report. bad customer service.

As someone who previously worked as a mortgage originator I know that some loans are easier to get done than others. Let me just say that our loan was not an easy one. After speaking with several other lenders who advised me that they could not get our loan done I came across Acces Capital group and Tom Lovell who was honest transparent and easy to work with. While we at times had some difficult conversations he never gave up and was relentless in his efforts to help us become homeowners again. For anyone who may have challenges and thing that it may be impossible I would reccomend giving him a call. If he cant do it he will be honest and let you know. I take my hat off to this team of people and would gladly recommend them to anyone!! read more

Absolutely the worst. Not only did my loan fall over into the next year--no one ever knows anything, can do anything, or updates you with information on the status of your loan. A lot of "I'm in the car and I'll look at your file when I get back" and "I've been working on your file all day" with no results. A lot of promises up front to keep you in the game until it's too late to back out. Find someone professional for your home purchase! *********Update 1/14/15: 15 days after original closing date was scheduled I am still without a home--or a loan. FACT: There were multiple offers on the home I am trying to purchase--I was told by Kathleen at Access Capital Group that I won the bid because I had the strongest loan. What's the hold up?! read more

My husband and I would like to say how Tom and Tim went beyond thier time and efforts to help my husband that is a Veteran and I buy a forever home! Both even worked weekends, emailing us everyday kept us informed every step of the way! Took the time to talk to us when we were nervous abought all the paper work made it easy for us, During holidays taking time from thier families to send a message! We felt so comfortable with Tom and Tim and would definitely recommend them to find a forever homeThanks Again read more

Michael O'Connor got me my house. There's no other way to put it. When I applied for a home loan through Lending Tree, two lenders responded. Michael from Access Capital was one. I'd hate to think what would've happened - or not happened - had I chosen the other. I was pre-approved quickly. At the time of my application, I was preparing for a long and brutal trial, so my attention was diverted to that and not the loan. Despite that, Michael patiently worked with me. Even when I failed to respond to his calls and emails for weeks, he would continue to follow up. He did this for about 3-4 months. Michael refused to let me slack on my loan. Thank God he stayed on top. About two weeks after my 3 1/2 week trial ended, I found my house. It was $50k higher than my pre-approved amount, so we had to start over again. Michael kicked the loan application process into high gear. During the 45-day escrow period, he often had to repeat himself during our long conversations because I was exhausted from the long-cause trial, but he never lost his cool with me. He also had to deal with many fronts: an unfocused me, my highly-aggressive realtor, the seller's even more aggressive realtor, and our escrow agent, who happened to be the only person who didn't give Michael any grief. If there was something I needed to do, he always called and emailed to remind me. Near the end of escrow, I had a problem with my credit scores because one old dispute hadn't been resolved and the reporting company was unresponsive to me. Michael prepared documents for me to sign and contacted that company himself. Because of his quick actions, we were able to get that dispute lifted just in time and my loan was approved. In total, I would surmise that I spoke with Michael approximately 50 times, and I wouldn't be surprised if it was more. If I called and he didn't pick up, which was rare, I never had to wait longer than half a day for his response. We often spoke after hours and on Saturdays to accommodate my work schedule. Michael was so easy to talk to that we dispensed with the pleasantries pretty quickly and spoke to each other like friends. He never rushed me off the phone. He also never sugar-coated any problems; he always anticipated them, warned me well in advance, and assured me that he would fix them, which he obviously did. My house was in ready-to-move-in shape, so the only thing my realtor had to do, really, was prepare documents. I am typing this in the comfort of my big home office because of Michael O'Connor. I have already referred two friends to him and will continue to do so. THANK YOU, MICHAEL! read more

I am so grateful for Mark's and Monica's assistance in processing our VA loan last Dec 21, 2020. They are truly both reliable, professional, and trustworthy from the beginning of the loan processing until closing. We closed our house in 30 days as promised. I have spoken with other big name lenders and they only say things that customers want to hear. These big name lenders could not deliver after I submit the documents they need. They make all kinds of excuses not to approve our loan. All the advertising that they show are lies and unreliable. I am glad that I found out about Access Capital. Mark and Monica are extraordinary. From preapproval to closing, they were consistent with their communication with me. They worked hard to get the closing done. I would not go to any other lenders for my mortgage needs. Mark and Monica are the two people that I would contact when I am ready to refinance and buy another home. Thank you Mark and Monica! I am loving my new home in Santa Clarita, Ca. read more

I recently closed on a home thanks to Craig Pribyl from Access Capital. I got a match off Lending Tree while searching for a home loan. I had read reviews prior to agreeing to work with them and saw negative things just as you may see. My experience was completely opposite. It was great! No, they do not help you raise your credit as one reviewer poorly commented on but that is because they are not a credit repair company. They are mortgage brokers. I didn't have perfect credit but I was close. Craig and his assistant Kim worked with me to get things in order and they were always there to answer questions and make sure things get done. I swear they never went home! I was always surprised at how quickly they responded to me. My rate was good, my loan closed a day EARLIER than expected and now I'm writing this from my beautiful, new house! They've become friends to me through this process. I almost want to buy another house just because I liked working with them so much! If your hesitant, give Craig a shot. He can even release my info to you if you would like to ask any more questions. - Rayne read more

Access Capital Group - My new castle thanks to Craig and Kim from Access Capital! - Mortgage Brokers Near Me - Phoenix, Arizona

Stay Clear if this company- they will lie and lead you on for months! Mark the owner says he is working on loan, have you shopping for a home then rarely communicate with you. Staff hangs up on you rather than be honest with you. Very UNPROFESSIONAL! Beware! read more

Before responding to an "offer" by this company, I researched their background read all of the outstanding reviews. And I walk away completely disappointed. I received the standard reply after applying through LendingTree stating that I just need to submit my information and a pre-approval will be processed within 3 hrs! The only response I received was the next day saying that some of my info was not received. That was the only attempt of real communication from Michael O'Connor. I resent my info. And waited. Nothing. A few auto generated emails, but nothing more. I called his phone number listed on one of these emails. No answer but his message stated that I would receive a call back immediately. Two weeks later, still nothing. What a waste of time. I am now working with a lender who (imagine that) actually returns my calls, seems eager to assist me in the home-buying process. That is all I was looking for. Access Capital solicited me for my business, made promises of excellent customer service, and then completely dropped the ball. read more

I found Access Capital through lendingtree.com, and they were extremely helpful from day one. We started by solving some credit issues on my record, which took a couple of months. By the time my report was corrected, I had a pre-approval letter in my hand! We run into a few issues during the purchase process, but Mark, Melissa and Chris never gave up, and now the deal is closed and I'm ready to move to my new place! Don't think twice about working with this guys, because they will get it done for you! read more

Mark and his team are quite something. We applied for a refinance in April and were approved on the spot. We were parsed out to Mortgage Solutions of Arizona. Initially, all seemed fine, until I didn't hear a word from anyone when our appraisal was supposed to be ordered. When they finally got done, they "lost" our invoice payment for the appraisal and we had to pay it twice (still waiting on the refund). When our file went into formal underwriting, the nightmare started. The underwriter would take weeks to review a small item, approve it, then add an additional item, which then took another week to review. This dragged on for months. They missed our target closing date of June 28. Took another month to re-underwrite it and missed the end of July cut-off, requiring us to make an additional end-of-month payment to our current lender, which started the underwriting process all over again. When issues came up and we would call, email or text Mark, he would ghost us, then send a random short email a few days later. This unnerved us to the point where we were fearful we had signed up with some sort of loan shark or unethical company. When MSC finally cleared our loan for funding, they used an incorrect payoff amount (off by almost 7 grand) for some random reason no one understands and wired the wrong amount to Title. They then had to start the loan process ALL OVER AGAIN. At the end, I had to call, email and follow up daily to get someone there to stay on the ball and get it done. They once again missed the close-off date at the end of July, then again at the end of August. Our loan finally funded on September 1 (was supposed to be August 31 but, once again, money did not get wired in time), a full five months after we started the process. Now, is this all the fault of Access Capital? Maybe not. Mark C. kept blaming it on Covid and the fact that MSC is overwhelmed. I only partially believe this..... the series of mistakes that were made on our file were definitely not Covid related. To be fair..... it's not their fault that MSC messed up badly and in the end, AFTER we had a big enough hissy fit, Mark did go to bat for us. But, I believe that a company's reputation stands and falls by the suppliers they keep... if you resell a product from another vender that is defective, your reputation is on the line and it's no different for services. If Mark can get you a loan with any other provider, you would probably have a good experience. He is quick to approve a loan but then hands it off to his administrative team, which, unfortunately for us, was less-than-experienced (we had Jennifer in the beginning and while sweet, she didn't know her butt from a hole in the ground. She later quit and we got Monica, who was infinitely better) This is the 6th mortgage I have signed for in my life and I have never dealt with a company that is less accountable, more disorganized and more unprofessional than MSC. If you get sold out to MSC.... RUN, don't walk, away. read more

Horrible. If your not in good standing financially they won't want anything to do with you. They won't return your calls or help you to increase your credit. read more

We just recently purchased our first home. Mark, Melissa, and Chris were a good team to work with. We had "ok" credit and within a few weeks my credit scored jumped up to qualify for the purchase of our new home. They were very willing to help out with that. Sometimes communication via emails/calls were delayed and that was a little irritating. Besides that part I recommend this team. They were all very eager to make this dream happen for my family. We were in a pinch for a home to live in because we gave up our rental before closing.So they understood the urgency of making this happen. They were very polite, and always reasurred me the deal was going to close. Thanks again to the team of Access Capital for making this happen! Great Christmas gift my family! read more

I just recently officially purchased my first home. When I submitted my query to lending tree I got several responses relatively quickly. I decided I would see which lender would give me the better rates and customer service so I started the process with multiple lenders to see how much they cared. Mark Christoffersen from Access Capital was by far the most responsive and interested in my home buying process, and he really seemed eager to help me out. The rates from all three were about the same and access capital's fees were slightly lower than the other two lenders I was communicating with, but seeing as how the seller was paying all the closing costs I didn't care so much about the fees. I cared more about using a lender that seemed interested in landing the sale and pleasing their customer. Mark and the team at Access Capital did a really good job of dealing with the sub-par escrow company we were forced to work with and I got timely responses from everybody involved. There was an instance of some docs not being received and a couple of delays because of the holidays but nothing that held up the process or caused troubles. Overall, I'm very pleased with Access Capital Group and their staff and I would recommend them to friends if they had need of their services. read more

We found Access through lendingtree.com. Access was one of several places to respond. Our initial email from Craig Pribyl (the Loan Officer) stated if we sent some basic information, they would get a pre-approval letter to us within 3 hrs. Well, we couldn't send it for two days - but once it was received it took over a week to get any letters. The loan officer was initially very responsive, but would not reveal the lender fees until we signed papers. Of course the electronic signature papers could not be accessed. So, I emailed Craig that I couldn't access the documents. It was a Saturday night and he responded that he would fix that on the following Monday. I haven't heard from him since even though I've emailed him again with no response. read more

Don't believe a word that is written in the last review. Access capitol in Az is totally unresponsive and does not even answer their phones. We are selling a house to my daughter and they can't even get the names right. It has been more than 3 months and no closing in sight, costing us thousand of dollar in higher interest and taxes read more

WORST BANKER YET TO DEAL WITH...Craig Pribyl outright lied over the phone and in emails to me as an agent as well as the buyer. We had an issue pop up with an appraisal come in lower than expected, and for a whole week was told nothing was of the issue and to just continue along with the process. He leaves his "assistant" to deal with the problem and notification that in fact something would need to be done or the deal could not continue. This appraisal issue happens often but to acknowledge the receipt of such an appraisal over a week prior and not directly answer or skirt the questions to drag it out just hurts everyone involved that much more. RUN AND HIDE FROM Access Capital Group!!! Lesson 1 always try to stick to a local lender whenever possible. read more