DC Ratcliff made things happen on our refinance of our home in Cypress, Texas. We have just been…read morein our home for 6 years on a 30 year mortgage. David and his team, consisting of Arely, Liz, and Shelby were able to change course and offer us a 15 year loan with a much lower interest rate. His team stayed in touch with us throughout the whole process. They were very professional about every aspect. We highly recommend DC Ratcliff from Smarter Mortgage to be your Mortgage Loan Officer.

From the owner: At Smarter Mortgage, we want you to have the best experience possible when buying your future home…read more We understand the issues and stress that can arise during this process, which is why Smarter Mortgage was created. We focus on leading our industry, whether it be the best pricing or the outstanding service and care we give our customers throughout the process.

would not do business here, shady bank charging higher interest rates then they are disclosingread more

Super nice people Personal service and convenient locations. After visiting several other local…read morebanks which wouldn't help me American Bank made me feel like family.

Supreme Lending was my top choice because of faster time to close, costs are in line (or better)…read morethan other lenders in the area, and most importantly, customer service. I know I will get a response back within hours and even on weekends if I had a question. From inquiry on rates and costs to application, the entire process has been smooth. I would high recommend!

We switched to American Bank a few years ago. We have always been greeted with a smile at any…read morelocation. Rosa helped set up our accounts on that first day. Each time we return or call the island American Bank she, or one of her associates, welcomes us with a smile and quickly and efficiently assists us. My husband and I are very happy we chose American Bank for our personal accounts and are very pleased with the service at this location on the island.

John's team interfered in the real estate contract by trying to negotiate a ridiculous temporary…read morelease and 90 day extension then telling the buyer and the buyers agent the deal was done. When I wouldn't agree to a 3 month extension and allow the 'buyer' to move in with no credit report and no real lease, John's team's advice to the buyer was to lower their lease offer. He just couldn't make the loan happen in the first 10 day extension period HE proposed. Kind of Hinky - the lender contacting the seller directly.

This guy is amazing!!! Got us in our house in 3.5 weeks. Folks that's less than 30 days signed…read moresealed and delivered!!! Just helped my sister in law get her going--he's good and will take care of all your mortgage needs!! Encourage you to give him a try!!

I wouldn't recommend Supreme. It took Nick about 2 weeks to get our pre-approval letter, despite…read moregetting him everything he needed promptly after we were asked (aside from a W2 I had to request from the company, and wait for them to mail it). I also contacted Nick on Wednesday, October 27, to get a list of things to pay off for our DTI. He said he would have it to me before the end of business on October 29. It's now November 12 and I still have not heard a peep from him. This was a common occurrence on other issues as well, saying I would be contacted by a certain date, or a certain time, and never hearing from him.

So, I purchased my daughter a vehicle 4 years ago and used Wells Fargo to carry the note - why not?…read more I've been banking with them for years. I get a notice in the mail in October that my payment is overdue. Wondering how that is possible since I have had it on auto debit to my main checking account since loan inception and there is plenty of money to cover. I call Wells Fargo and they tell me, "Oh, with us your last payment cannot be a draft. You have to go to a local branch and make the payment." Wow! That seems incredibly backwards but, Ok. I got the 7 day payoff and the next day, October 20th, 2015, took a check for the exact amount down to the branch. Since the branches don't communicate with the auto department, i was instructed to call the auto department back with the transaction record number. I did just that and was told my title would be in the mail. Last night and over a month later I get an alert from my credit monitoring service that my credit score has dropped almost 100 points in the last 2 months from 765 to 654! Wells Fargo says I am in default by 2 months and owe them $4.39. I call the auto department but must go down to the branch, so down I go. "No, sir, the loan is paid off." I ask about the negative credit references and they say that I must call the 3 credit scorers (TransUnion, Equifax, etc) to contest the negative remarks from Wells Fargo. I also find out that the check I handed to them on October 20th was not applied to the account until the middle of November! That probably explains the $4 and change - additional interest since they did not apply my payment when they received it and a month later. Wells Fargo claims they cannot update the information to the credit bureaus and nothing they can do to correct the credit score they damaged due to their own mistakes! Unbelievable that a bank can drop the ball like this ( I know we all make mistakes ), but also refuses to accept responsibility and correct the damage they have caused. Is there recourse? I'm examining my alternatives. If you're reading this, Wells Fargo, do the right thing!