I have nothing but great things to say about working with the team at Premia for my new home…read moremortgage. We worked with them last year when looking to buy a house but ended up using a different lender (they were a close second). When I saw their name on list of preferred lenders for my company's relocation - I immediately knew I wanted to use them! Of course shopped around but Premia had the best rates and quickest close time. I also had a good experience working with both team members during the process. They were easy to access by email and phone as soon as I needed them and realized the importance of timeliness! Definitely recommend!

Premia made my first time buying a home and relocating to a different state so easy. My mortgage…read moreconsultant Scott Jansen, kept me informed every step of the way. I felt like he listened and acted on my best interest by presenting solutions that fit my needs. My Loan specialist Isaac Nye, ensured that process went smoothly till closing. Which only took 13 days! We love our new home and we have gained a network of people we trust to send friend and family to.

They are really good service really slow it took almost 6 weeks to finalize my deal but they did…read morerefinance my home and they are legit business, I thought at first it was a scam but it is legit, there a little steep on there fees to.

Lies!!! I am…read moresubmitting this formal complaint regarding the handling of my elderly parents' recent loan application. My parents, who are both older and in poor health, placed their trust in your agency and the loan officer assigned to them. I assisted them throughout the process to ensure clarity and accuracy. During the application process, your representative repeatedly assured my parents that the loan was good to go. Based on these assurances, they proceeded with the required appraisal and paid a fee of $900.00. Despite these guarantees, the loan did not fund and did not close. At no point were my parents informed of any risk that the loan might not be approved or that the appraisal fee would be non‑refundable under these circumstances. They were led to believe the loan was secured and that the appraisal was simply a procedural step. As a result of this misrepresentation, my parents--elderly, vulnerable, and acting in good faith--have suffered a financial loss of $900.00. This is unacceptable and does not reflect ethical lending practices, especially when dealing with seniors who rely heavily on the honesty and professionalism of the agent assisting them. Terrible business practices.

I applied for refinance in May with the information that I would be getting a cash out finance, and…read moreit would only take two weeks to complete within hours they had a notary to my house next came them asking for appraisal fees we went back and forth for another week or so because I was told fees were between 700 and 1000 I told them I was going to back out and then I was told to just pay 350 to get started so that is what I sent afterwards I was told that I would get a call from appraisal a week goes by and no information I was also told not to worry about my payment because it would only be returned but I made payment anyway first month rolls around still no appraisal called broker she can't be reached so I only received texts need more information came time to make another mortgage payment and again I am told to not make payment after due date now I have alate payment on report call again still no information being told it's at underwriting now it's after 2 months still nothing called to check no response told I will call back another week goes by nothing check my account before weekend and no appraisal no phone call next morning appraisal fees returned no reason not very professional and seems very suspicious to just want to receive appraisal fees

OCTOBER 2025 I closed on my Refi using them about two weeks…read more It was a very painful 9 week process. In all honesty I had no intention of releasing a review until I was done with IRRL. this entire process has been exceeding challenging and disappointing. The communication has been dismal. I had to repeated ask for information to never get the information that i requested. I was lied to multiple time and every time they messed up on the process which cost me on the amount i was going to receive they always justified it was out of their control. it started with 44k cash in hand at the beginning. then they made a mistake and it dropped to 37k. then dropped again to 34k and then dropped again to 31k. what truly upset me was at the day of closing when they robbed me 3 grand. my cash in hand was to be 34k. i get a update hours before close that it was actually 31k. which i should have had just told them to piss off at that point but i really was broken down by them and my wife asked me to just close on it and move on. the 3k i was told was out of their control and was based off of the mortgage company. to find out they bought my mortgage to sell it to another company. so they could have done the 34k but decide to screw me over. even after the closing. i have asked for some information and still have not heard anything from them. I am terrified to see how this IRRL goes in six months. that is if i can actually get in touch with them to get it done. or if i don't lose it due to something that was out of their control. As things stand i would never recommend them to anyone and i actually used them. sad. ***** FEBRUARY 2026 The mortgage company they gave me just increased my mortgage payment 350$. Awaiting a call back from a supervisor from the mortgage company as to why. but if i miss or late a payment I lose the capability to get the IRRL so i am not surprised. reached out to eMortgage Contact. no answer. SHOCKER. *****APRIL 2026 They keep calling me about the IRRL even though i told them i will never use them for anything and they keep calling and harassing me on it. i am literally taking it to my local bank and not saving as much as i could but at least I trust my bank.

this place was very unhelpful and unprofessional, Rami, Randy, and Mark and Ryan. We're all trying…read moreto get my information and scam me out of my mortgage.

From the owner: Conventional, FHA, VA loans. No Income Loans. Commerical loans. read more

I reached out to them after going through so many companies and being told that I couldn't get a…read moreloan because building my house had run my credit down. The team took it on and got it done. I worked closely with Billy and Missy and within 30 days was cleared to close

Amazing customer service and mortgage company! They were so quick with their response and service!…read moreNothing but good things to say!!!

Rocky and Brian at the Waterford Mi branch, along with Scott and Rachel at the Milford Mi branch,…read morewere exceptional at helping with a fraud case which I had no idea how to handle. Their communication and advice was spot on and 24hrs later, my accounts are taken care of with no issues. Thank you so much!

This is not a safe or productive place for businesses…read more I decided to try Flagstar because I'd been using a large national bank and I thought I would have a better, smarter service experience with people who care a bit more. During my time banking with them, I found this to be true. But only of the workers inside the bank. I'm not sure what it is like to do personal banking with Flagstar, but if you use them as a business, they do not help you solve problems. They become the problem. My entire time with them, they were an adversary that harmed my business and drug me through months of delays, restrictions, "investigations", and account closures. -Their apps are slow, unsightly, and cumbersome to use -Their upper management is very slow to respond -Their back office is just as dark and destructive as any big national bank. -Their back office is lacking in reasoning and analysis skills Worst of all: This has been a bank hit bad by fraud and they react with the trauma of a wounded sparrow. Their "fraud management" team is a terrified, irrational panel of hammers desperately trying to make a nail of anything it finds, and with or without evidence they are eager to make a fraudster out of YOU- the customer. I trusted them with my banking in June and they held, froze, investigated, and delayed my money until my accounts were closed in September. There was never any fraud, never any complaints, and never any accusations. Nevertheless, they held my money hostage the entire time under the enduring assumption that I was a criminal. Meanwhile, they made it impossible for me to cover operating expenses. Perhaps if you are an individual who needs a place to deposit their paycheck and withdraw $20 from the ATM every so often, this may be a great place. The tellers were fantastic and welcoming and they remember who you are. I also loved the two bank managers I got to know during my time with them. Both of the managers were smart, capable, and able to understand by company and banking situation with minimal effort. Unfortunately, they are at the mercy of people above them in the company and below them in intellect and compassion. If you are a business, I would seriously think twice about trusting this bank. They are not a "small, local bank that will look you in the eye and work alongside with you to thrive". They are a hostile, destructive semi-national finance institution reeling in desperation and fear that you are lying in wait to defraud them.

You can start by training your staff correctly. My loan officer didn't do his job. Jason Wagner…read moreaka Hall was made aware of my mistreatment of my refi. Nobody followed through with theblances. My creditors are being sent the wrong amount bc they didn't do their job to go over numbers. My advice. Stay away from Hall Financial. The BBB complaint is next.

Excellent Company !! Great people to work with, they are always helping and getting it done…read more Would highly recommend them. Emma and Jim are simply the best !!

This group called me, gave alot of "fluff" and I fell for it. Long story short, I have the income…read moreand all the nuts and bolts to make a refinance pretty easy. The appraisal company they use, awful. They will appraise at a loss .. even with receipts of repairs and such. Go anywhere else but here, and don't fall for the nonsense.

We are currently refinancing our mortgage through a different lender. Due to this we get a lot of…read morecalls from other lenders as well. Most are respectful and no longer call. Blue Whale decided to call my work, recognize it was in deed my place of employment and then decided to text the number so that my whole work and employer knew my personal business. I called to talk to a manager and he was very dismissive and did not care about my privacy concerns, proceeded to talk over me then hung up on me. Not a professional company. They saw our credit was pulled by our lender and they jumped on board. Based on the conversation and lack of concern for my privacy and the way "management" treated me. I would never do business with them nor would I hire someone who treated a "potential customer" the way they did. I was unable to get his name as he never gave it to me and hung up. Good job Blue Whale Lending!

I had a very poor experience with AFEX Lending, specifically dealing with Chris Younan. The…read morecustomer service was extremely disappointing. I was given clear expectations about what would be done for my refinance loan, but those promises were not followed through. Communication was inconsistent, and when I needed updates or clarification, it felt like I was getting the runaround. What Chris said he was going to do simply did not happen, and there was no accountability or effort to make things right. Refinancing is a serious financial decision, and I trusted AFEX Lending to handle it professionally. Unfortunately, that trust was misplaced. I would not recommend this company if you value honesty, follow-through, and reliable customer service.

Do not use these people they pray on people with FHA and veterans. They are unprofessional and…read morestalk your email and constant calling. They don't understand the word no. It got so bad I called my mortgage company and ask was my information safe because there was thins mortgage company named Apex trying to under cut them and that they were practically stalking us. If they call block them immediately.

Ken Mascia is the best. He worked hard to get me the best rate available and is a pleasure to do…read morebusiness with. Highly recommend working with Ken.