RealFi DOES NOT OFFER CONFIRMATION OF DECISION. I suggest…read moreRealFi consider kindly taking a short moment to let applicants know whether or not their application was rejected or accepted after they review it, instead of stringing the applicant along for half a year by keeping it in review status & not responding to emails or calls. RealFi DOES NOT RESPOND TO EMAIL inquires regarding how much more time will the process take, and what needed info may be missing, nor what we can do to speed up the process. RealFi DOES NOT RETURN PHONE CALLS. RealFi simply could have told me after reviewing my application that I did not qualify by calling one of two of the numbers I provided, or simply taking a short moment To email that I was missing more info. Any person in RealFi staff could have relayed it, instead of stringing me along for nearly half a year. I applied in autumn of 2021, it's now a week until Spring 2022. I am a disabled person with 10+ verifiable permanent income of over $1000 seeking a modest low income housing loan under 50K. All RealFi had to do was tell me I did not qualify instead of keeping my app status in "review" and holding my personal & financial information. RealFi would contact me if they needed further information. None of them bothered. RealFi left my family waiting in the dark for almost half a year.

I just got of phone with a representative .Patrick Bourland .Talk about lost art in customer…read moreservice. Very unprofessional Please avoid. Management please teach your representatives to less aggressive disrespectful and rude to potential customers. Wasted so much of my time resources and energy.

Marc and his team were fantastic. We have used them 4 times now. Once for a cash out refinance, a…read moremortgage on our current home plus a refinance and a mortgage on our second home. We have "shopped around" in the past but Marc always gets us the best rate with excellent customer service. Highly recommend him.

Made the process of refinancing very easy. Had a wonderful experience working with Marc and his…read moreteam. Would recommend them highly. Very knowledgeable the entire team, very friendly and helpful. Best rates ...

Great Service, Responsive and Patient Team…read more This is my second interaction with Kwik and Viral in specific. Great experience both times. Would recommend highly. Viral is as knowledgeable as he is meticulous and backed by a great team. they take time to explain options and suggest alternatives.

Unprofessional and pays horribly. The hiring manager Paul Campbell is very rude and he is the one i…read moreinterviewed with. He could not have been more unprofessional if he actually tried. Bad taste in my mouth from him even if they wanted to hire me no thanks!!!

A friend of mine recommended Adam at Atlantic Home Loans to me and I couldn't be more pleased. My…read morelife changed significantly this year and I needed to refinance. Adam was with me every step of the way. He kept me updated via text and email. I wish every company I dealt with offered that level of communication and transparency! I really have nothing negative to say. Thank you for everything!

Not really sure what the yelper below me is talking about ... I wish I could give Cathy and her…read moreamazing team 10 stars !! Working with Cathy was a delight . After a turbulent for a few months with another broker , a 20 minute conversation with Cathy brought hope to my dismal situation . The best decision I ever made was to change tracks midstream and put my faith in Atlantic . Cathy was able to get me an amazing rate and walk me through the entire process in the best way possible . These guys are the most organized and professional staff I've ever met . You will not be disappointed with their services . Thank you Cathy , Jessica and James .

We were a difficult case: two self-employed artists with complicated financials. We literally had…read moreone mortgage broker laugh at us when they looked at our portfolio. Alyse and Evan took the time to look past the surface picture and helped us organize documents that would tell our whole story and convince the banks that we were a sound investment. From the first time we spoke, they told us it would be hard work, but that they would do everything possible to get the deal done. They worked weekends and holidays to get us through. We always felt like they were looking out for us. We closed a month ago and are now enjoying moving in to our new home. We can't recommend them highly enough.

My advice, go elsewhere. In my recent situation, they did not have their client's best interest in…read moremind. Their approach is CYA, "that's not my job/responsibility". It's sad, actually. To have such an estranged relationship with your job, when it's an industry that affects people's lives. If you choose to proceed with them, best of luck! If you need context, they were slow to reply, vague in communication throughout the process, but ultimately what put the icing on the cake was that they withheld information (Appraisal value didn't meet the VA Renovation Loan amount) from me until after "the loan approval deadline" that was set forth by my realtor/title company located in FL, and let me know of this info after the deadline. Why? because as they saw it, my husband and I were approved for the purchase price, not the renovation piece. The impact? I couldn't get my escrow of $3327 back from my title company. They knew the deadline, and the consequences, and one would think they would be considerate and inform me of the information prior to, but no. Not a care in the world. Now legally, no they are not liable, but ethically? It's a sleezy move. I would call out the exact people I worked with but honestly, I've managed accounts in the Ad Tech industry for 17 years, and one thing is for sure: when an employee acts unethical, it's embedded in the organization. So just stay away from Guaranteed Rate! They really deserve no stars but this site mandates at least one to post this review!

They never returned my messages. Waited a week for instructions or contact after completing their…read moreonline mortgage application. Was a waste of time.

Poor customer service! Messed up our escrow and when we tried to get some resolution, they sold our…read moreloan to avoid dealing with it!

This is Sadegh Khamooshi, a loan officer (NMLS# 1714325). I…read morewould like to share my positive experience working with AFR Wholesale. I posted a scenario on behalf of my borrower on the Loan Factory marketplace to find the best possible rate for her. She had already received an aggressive rate from another lender but gave me the opportunity to find a better deal for a 10-year term loan. Many lenders didn't even offer 10-year loans on their fee sheets. That's when Mr. Peter Impagliazzo, AFR's representative, presented me with the best rate. At first, I wasn't sure if I could trust it--it seemed too good to be true. I asked Peter about the underwriting turn time, and he confidently promised that conditions would be cleared within 24 hours or less. I decided to give AFR a chance, and I'm very glad I did. The rate was real, with no excuses or changes throughout the process. AFR honored the pricing and stood behind their offer. Their underwriter moved quickly, and their statements were accurate--not just marketing claims. AFR's software is very innovative, and everything in their system is transparent. The underwriters were available during business hours, open to discussions, and receptive to my feedback when I provided valid explanations for certain conditions. One standout feature of their platform is the online dispute system for underwriting conditions. When you challenge a condition, the underwriter--or even a senior-level decision-maker--will respond. You're never ignored or left in the dark. They also have an "SOS" button that allows loan officers to flag urgent or time-sensitive issues. I used that feature once, and I received an extremely fast and helpful response from upper management. I hope loan officers don't abuse this feature so AFR can continue offering it. My borrower had a silent second loan from her employer, which would be forgiven after seven years of employment. This created complications on the closing date. I requested executive support, and Mr. Wade Humphreys, Vice President of Sales, personally called me. After our conversation, he recognized the complexity and escalated the matter to Mr. Michael Brenning, AFR's Chief Operating Officer. Mr. Brenning called me within the hour, reviewed everything, made an administrative decision, and saved the deal. Throughout the process, I also worked with Heidi Ward, the Account Manager, and Jamie Dix, the Closer. Both were highly professional, responsive, and cooperative. Their support and teamwork made a significant difference in ensuring a smooth closing. I give AFR Wholesale 5 out of 5 stars, and based on this exceptional experience, I will confidently send more business their way in the future.

Asa Berger(West Chester PA office) is an unethical, unresponsive loan officer. There are much…read morebetter options available.

My experience with the whole financial team I worked with was 100% on top of my whole loan process…read more Even with an issue that came up 2 days before my scheduled close, both Asa and Audrey worked diligently to ensure the issue was cleared up and we closed on time. Thank you!