What does Benji Gecy at Beaufort Lending offer you? An honest, and direct evaluation of your loan opportunity, the best interest rate available at the time of your application, wise and very experienced advice as to what mortgage term will work best for your circumstance. In 2020, when the best rate I could find was 3.1% interest rate and we talked with over 11 lending institutions, including our own. Beaufort Lending was 2.23% on a thirty year refinance fixed rate mortgage. This time around on our new home, the best we could find was a 4.5%. Beaufort Lending 4.125%! But then, Benji was able to lock that rate in for 60 days. Wow, what a difference, and Benji saved us over $104 a month, and more than $37,000 over the life of a 30 mortgage compared with the 5.5% interest rate we would pay today if Benji had not locked our loan. Their process is simple! All you need to do is send Madison (an ace, and pleasure to deal with at all times), is seven pieces of information, and your qualified. Friendly, fast, efficient, with reasonable fees, and personable local people who are outstanding at what the do! Because they are real people, like you. It's is always our choice with whom we do business. But when it costs less for excellent service down the street from your neighbor, doesn't it make sense to reach out shake hands with the Owner while supporting our local business? It did to us, and we won twice in deciding on Beaufort Lending, and Benji Gecy to help us. He can help you too! read more

BEWARE DO NOT CHOSE TO USE BENJI GECY AS YOUR MORTGAGE BROKER - It may be bad news for you too! I now live in South Carolina. I am not new to mortgages or buying homes. This was my 8th home purchase, in 6 states and have had nearly 2 times that many mortgages - by far the worst and only one I would consider unethical. Do not use this mortgage broker. I endured verbal harassment because my builder was taking too long. My closing agent endured verbal harrassment because she did not send paperwork to their liking. My building supervisor received harassment because the landscaping was not complete when the appraiser came the first time - BTW, the appraiser charged me just to see if there was grass and some bushes on top of the $550, another $200! The story starts in March/April 2022. I was concerned of increasing mortgage interest rates. I called apparently got ahold of "Johnny" who set me up with decent rates and told me good for 6 months, with an additional fee of $125 to extend for total of 9 months. That was enough to get me in the house we were building. I got a cold call in June from Benji Gecy who said Johnny was gone and asked me what I wanted to do... I said, "follow the original plan" and stated what I had been told by Johnny. He said that was not an option and no such lock was available. At this point rates were about 1% higher than I THOUGHT my lock was. Benji Gecy told me my lock was 0.25 higher than I thought. I asked what my options were and he said leave and go somewhere else or get your house done prior to Oct. Lock would cost 0.75% in Oct, another higher amount in Nov. and then if December another 2%. Each month from September on I signed papers to keep my lock, enduring Benji complaining about my builder and how he knows construction and I should tell my builder to go faster. No way that was happening, as my builder is a large corporation... Just prior to December, I signed the papers that I would pay the final lock amount as I knew our house was about to be completed and close. Late one evening I got a call from Benji that full of contempt for my building and the potential loan situation. He actually told me, "This loan is costing me so much, my kids are going to have a bad Christmas!" I told him I was sorry about his kids, but their Christmas was not my concern. He said underwriters were working on the loan and having issues with it. I found out later that there is a law, since the 2008 crash, that prevents predatory lending and having fees greater than a certain percent of the principle. I also noticed on the loan forms the day before I closed that my PRINCIPAL had INCREASED 2.5%!!!! I asked his assistant about it she said that was what it is now and that's what it was agreed to. He was never available. If I would have stopped the loan closing, I do not know what rate I would have ended up with - certainly higher! I told the closing agent and he acknowledged but did not have much to say. Apparently those in the industry are all aware of his reputation and antics. Too bad customers don't know. BEWARE DO NOT CHOSE TO USE BENJI GECY AS YOUR MORTGAGE BROKER - It may be bad news for you too! No, I have not decided if I will file a claim with United States Consumer Financial Protection Bureau, CFPB. I am aware they are the primary enforcement agency for such violations. In the meantime, perhaps this review will help you decide to STAY AWAY. read more

Looking for a VA mortgage or VA re-finance. See Ben at Beaufort Lending. We just completed our third mortgage with Beaufort Lending. All closed in thirty days. Unlike the brokers you see on tv, when you deal with Beaufort Lending you deal with real people, who are local. For first mortgage we, on a whim, walked in and an hour later had a tentative approval and a list of needed documents. Provided them the next day, that says a lot for the needed stack of paper work, and thirty days we closed. And I just want say again Ben needed a minimum of documents to completed the loan application. Un-like the ret. Admiral' s group or Quicken Loans, who wanted an unbelievable amount of documents going back ten years...or so. With Beaufort Lending you FAX or e-mail them. Ben will e-mail if they're questions, not a call from someone who, really, has not much of a clue. I hate getting interviewed over a trivial matter and that person can not explain why they are needing the information. So I can honestly say we have three excellent mortgage experiences with Beaufort Lending. Ask for Ben or just drop by; you will not me disappointed you did. Myself and my wife are both U.S. Navy retired. read more