I actually didn't see these reviews until just now (we closed at the beginning of this month) but I'm surprised at the 1-star reviews. Most of them look pretty old, so I don't know if things have changed in recent years, but we had a good experience. Everything went super-smoothly, from pre-approval to closing. He walked me through every step; we had no issue getting approved for something that was well within our budget as per our pre-approval. Quite a few documents were required, but nothing that was too difficult to find/track down, and of course that's the norm. We got a great interest rate (3.75%), which he locked in for us on a day he said it was particularly low. I see a couple of people saying their interest rate changed right before closing; I am not even sure how that happened? It seems like if you have a fixed rate, they couldn't change it. Maybe those people had adjustable rate? I found them very responsive to inquiries and very willing to answer questions. They kept us updated on everything happening. We closed on time and are excited about moving into our new house! read more

Sandi Hatin is a joy to work with. She is a true professional, has great communication and is a lovely human. We appreciated her efforts and hard work and would use her again in a heartbeat. read more

Denise is so professional. She is always readily available. Her effort surpasses any I have ever known. I cannot comment her enough. I'd recommend her eyes closed. Thank youuuuu so much for offering such knowledge read more

Profesionalismo, comunicacion, disponibilidad, responsable. Cerramos nuestra casa en menos de 40 dias gracias a Ariel y su equipo. Siempre disponible para preguntas y nos explico cada paso de la hipoteca y todo los numeros detalladamente. 100% recomendado. read more

Absolutely wonderful experience overall! Javier Carvajal was amazing. I live stateside and was purchasing my first property in Puerto Rico. He took the time to explain all the differences and gave me all my options. He was patient and extremely knowledgeable, easing all of my concerns. Even the seller couldn't stop raving about how seamless the process was and how great the communication was. I would 100% use them again! read more

Nicole and I wanted to thank Emali for her excellent help with purchasing a beachfront home in PR! Without her help we would not have been able to realize our dream. As purchasing property in PR was new to us, Emali made the process simple and easy to understand, and we really appreciated her patience and expertise. We will be sure to recommend Emali and FEMBi to our friends if they choose to purchase property in PR. Thanks Again! Sean and Nicole read more

I was referred to FEMBI, specifically Yinely Iglesias, Mortgage Loan Officer by my son. From the beginning, Yinely explained the process thoroughly as I do not live in Puerto Rico. Everything was done virtually and all my questions were answered. Yinely answered my questions when I had them and was there throughout the entire process. Needless to say, the closing went smoothly due to her efficient and professional work. I recommend FEMBI Mortgage and Yinely Iglesias for anyone wanting to purchase a home in Puerto Rico. read more

Wendy is wonderful! She is knowledgeable and guides you effortlessly through what could be a complicated process. Can't recommend her enough! read more

We used them back in December and were extremely disappointed with their service. They offered an attractive incentive, then disclosed to us only at signing that we would have to repay the incentive if we refinanced before three years This is after our broker insured us there were no prepayment Penalties. When I confronted him on this issue he lied and said he had disclosed it to us, he showed no proof and then said "we talked a lot I'm sure I told you". This was a blatant lie, he simple chose not to tell us as he knew we would go elsewhere if he did. He then shifted and said it didn't matter because it was such a good interest rate that we wouldn't want to refinance. The guy was a BS machine. This week we received a credit notice that somebody had run a credit check on my wife, 5 months after closing. After several hours on the phone we found out that FEMBi had done the credit check. They said it was Normal QC that they are entitled to do. I asked why that didn't at least notify us so we wouldn't be alarmed about the the 3rd party inquiry ( they didn't use their name). They simple said sorry These people are the worst, don't use them. read more

Gloria did a great job of helping us meet such a tight deadline. Excellent to work with.

Ed Wilburn and Betty Pace were amazing! Very responsive, very knowledgeable, and they got my loan closed in record time. Will definitely come back to them again for my next mortgage loan. Thank you! read more

Dennis was incredibly helpful and informative in the mortgage process buying our home. I would highly recommend him! Responded to everything in a timely manner and answered any and all questions we had. Thank you for everything you did for us. read more

This is probably the first time I've rated anyone with one star. Let me begin by saying that we were referred to Fembi by our employer (a reputable health institution in Miami-Dade). This led us to trust this mortgage brokerage firm more than any other firm we'd work with in the past. We sought mortgage advice from Fembi and started the process of obtaining a home loan. Once we submitted all of the necessary underwriting documentation, Our loan officer advised us we were approved to purchase a home. So we proceeded with a scheduled closing date of 60 days away. Fast forward to just 3 weeks before closing, our loan officer disappears (on vacation) for 2 weeks and another loan officer tells us we are denied. The reasons are still unclear. Even worst, they refused to credit us any funds spent on appraisal and inspection. Their lack of experience and irresponsible work ethic cost us a pretty penny and left us without a loan and without a home just 3 weeks before closing. Do yourself a favor and seek mortgage lending and advice elsewhere! read more

Gloria Anderton and her team at FEMBI are just fantastic. They have helped us with a condo purchase and a major refinance of a home post-construction. They are extremely knowledgeable and professional, and make it easy for you at every step. They will always be my first call when purchasing or refinancing properties! read more

I really had a great experience ! I recommend talking to Dolores Acosta and Vanessa Rodriguez. They were were a very qualified team and friendly throughout the whole process. They responded quickly when I reached out to them including evenings and weekends. I will definitely reach out to them in the future if I need another home loan. I highly recommend FEMBi Mortgage. read more

adequate , they got the mortgage done on time but the rates were very high and it was pretty more a secret until the closing. I had about a 780 credit score but still they gave me a mortgage about 4.25! which I "had to" buy down with points ! read more

If i could give negative stars that would be their rating. Totally inefficient. The worst experience ever! Wouldn't use them or recommend them to no one. Made our experience of buying a total headache. read more

If I could give them "ZERO" Stars I would, this company and these people are HORRIFIC and I wouldn't go to them for a payday loan, let alone a mortgage. Danielle Russell and Emily don't know their own loan products to save their lives. I was referred to Danielle by an agent and I wasted literally 8 weeks of my life, ran my accountant around like he was my slave and my realtor too! My experience started with a "bank statement" loan program designed for business owners who do disclose full income on their tax returns. Danielle didn't know much about the program and sets up a conference call with Emily the next day. Emily gets on the phone making all kinds of promises that weren't even in the ball park of the program, she event went as far as lying to me and telling me she has personally closed several of these loans...only to find out from Danielle a day or so later Emily's claims of closing were false! I was told based on my credit score I qualified for 10% down and 5% on a 30 yr fixed, but I had to sell my boat bc it put me over the debt to income ratio. So I sold a $80k Fountain Speed Boat for the balance of my loan, $22k so I could purchase a single family home for me and my daughter. When I received Fembi's approval it was FAR fro accurate! 20% down @ 7.5% interest on a 5/1 ARM! Based on Emily's original 10% down and 5% interest I signed a contract to sell my home, only to find out it was all horse sh*t. At this point the clock was ticking so I said screw it I will take the loan pay it for a year and re-finance. Then Danielle pulls out all kind of other requirements AFTER my boat is long gone! They needed my bank statement certified by my accountant, so I have that done. I think if Im going to pay my accountant to certify my returns I might as well pay him to amend my returns and go FHA. I told Danielle I was switching lenders and going FHA, maybe she didn't get it for a day or two but she reached back out to me telling me she could do my FHA. So I went along with it. Got everything they needed, got to underwriting and the underwriters called me and told me to make the loan work I needed an additional $15k to pay off every single debt I owed! In spite of the hurdle the next day I had the money to do it. Then this is where the fun REALLY started, Fembi dug up things from 14 years prior, had nothing to do with my credit that I had to explain. They sent me a commitment letter with 35 things I had to explain or provide, of the 35 they had at least 20 already in their possession but bc Danielle is so disorganized I had to redo everything and send to the processor myself! I stayed up for a majority of the night getting EVERYTHING they needed from me. The next morning I sent them an email pleading for no more delays, we had already past the financing contingency on the contract, an hour later they send me a denial letter. Fembi is SLOW and after talking to several title companies here they close very few loans and they are ALWAYS late. I wasted 8 weeks of my life with this company for nothing, they don't want to loan anyone any money. 'I recommend using Waterstone Mortgage or Southeast Mortgage. I'm sooo thankful I worked with 2 different lenders while Fembi j*cked me off for 8 weeks. Do NOT waste your time with these people, they are liars, they don't know their products and they are seriously inexperienced. Anytime there is an issue Danielle will hide behind her phone and not answer, if your lucky she will text you bc she can't face her own lies! They either knew weeks before they couldn't do my loan and dragged it out or they didn't like the pressure I put on them to close with another company..AGAIN thank GOD I worked with 2 other very experienced places or I would be homeless in a few days. Take Your business somewhere else Fembi is a JOKE! read more

Chris and his team helped us secure the financing for our home and from start to finish it was approximately 25 days to closing. They were a pleasure to work with and explained everything in great detail so your kept up to date with everything. So long as you supply what's needed when asked the whole mortgage process is easy, but if you have this team working for you, it's a pleasure. I cannot recommend FEMBI highly enough. read more

I'm looking into buying my first home and so far have had a good experience with FEMBI, Sonja has been very helpful answering my questions and has worked within my budget to help me get a qualified for a realistic loan. It's a bit daunting looking at the reviews here, but I'm glad that I called the company first, it's been a good experience so far and I'm staying hopeful with the rest of the process. -Chris read more

If I could give 0 stars I would. HORRIBLE experience! Unprofessional, and dishonest brokers! My story is much too long to go into detail but my advice is STAY AWAY!!!! And if you are a seller and your buyers have chosen Fembi as their broker, run!!! They are incompetent and will drag the transaction on for weeks with lies and empty promises!! read more

My husband and I were first time homebuyers back in 2011. Long story short: we originally went with Bank of America, and we got totally screwed one week before closing. Literally, one week before closing we were told our file was declined. So, at the advice of my aunt, we went to Charlotte Kassab at FEMBI. Best decision we ever made -she cleaned up BOA's mess and started from scratch with us. From start to finish, she was always straight forward (no BS at all), quick to return phone calls and emails, honest, resourceful, dependable, the list goes on... Our file was not an easy file to deal with, and I always had TONS of questions for her. I'm telling you, she held my hand through everything and really took her time to answer all my questions (even questions I asked way more than once before). She is the most patient, reliable, and honest person you'll meet. Period. I would never trust anyone else with my mortgage. Now, I'm actually a real estate agent and I see what goes on behind the curtains as well. My respect for Charlotte and FEMBI has only grown stronger now. From every angle, they're the way to go. Believe me. read more

We can't say enough great things about Fembi Mortgage and their team of dedicated loan officers. They walked us through the loan process of our first home to refinancing years later. They have a well qualified team and are looking get you the best rates available. Wouldn't use any other mortgage company. I highly recommend Fembi Mortgage. read more

I have great experience with Nelly. She held my hand through the entire process, and helped make sure I got the best deal.

Was great from start to finish. Thought it was going to be difficult because of the complexity of my income but they delivered on the pre-approval. We closed on time and my LO Michael and his team were great keeping me up to date on the process every step of the way. I would recommend Fembi and Michale to anyone looking for home in this tough market. read more

Fembi PR A really bad company. Stay away from them. Lost 5k plus the appraisal And closing cost. The closing dates were scheduled and every time asked for more money. I am emotionally devastated with the home buying process. read more

AVOID! One of the worst experiences I've ever had. The interest rate originally quoted was 4.5% with $5,000 in closing fees and 20% down. Took them forever to prepare all the paperwork for the closing and a day before the closing date the terms changed to 5%, $6,000 in closing fees and 25% down. We had to postpone the closing by a few days to make sure the terms don't change again. Sure enough, right before the second closing the terms changed again. Now we had to put 30% down. They kept pressuring for us to agree to the new terms every time without giving us some time to think it over. It felt like they were just trying to get paid and squeeze as much money out of us as possible. We were in contract for over 4 months, from June to October and they still couldn't get their act together. Our lawyer recommended we just walk away because it was getting too ridiculous. Of course I'd already paid all the fees, which came out to $1,500 and did not get anything back. Looking back, we should've gone with someone who knows what they are doing. read more

WARNING WARNING !!!! Fembi Mortgage in 9300 Southland Blvd. They took forever to prepare my paper work and I had to keep sending them the same paperwork because supposedly they would not receive it. I have been trying to refinance my house from 30 years to 15 years. First I tried to qualify for the hardship load after 3 to 4 month waiting they tell me I can't qualify for that loan. That I would be able to qualify for a conventional loan and that nothing would be changing. They told me I need to prepay my Taxes and My Insurances for 2013 and I had reappraise my property. Which I already had my property appraise less than 3 month ago. But they told me I would need to go with their appraiser company so. So I went ahead and did what they told me and also paid the $300.00 to get my property reappraise again. After about 2 weeks waiting for an answer I decide to call them to later find out by the broker that everything had change.. MY interest rate and the years I wanted to refinance had change They told me that I would only be able to refinance for 30 years. It what right mind would I refinance for the same amount of years I have known.... This company Fembi Mortgage at 9300 Southland Blvd has mislead me in having to pay my Insurance and taxes ahead of time and reappraising my house and having me spend an extra $300.00 to tell me it is what it is you have to refinance for 30 year. And there telling me I can't get my $300.00 back because that's another company. I will be reporting them to the Better Business Bureau www / http://WWW.bbb.org read more

My experience wirh this mortgage was the worst experience in all my life!!! They are incompetent, ridiculous and in the last moment dont closing because they need another paper!!! Be aware with this people because they are horrible!!!!!! read more

I sent the other bad reviews on YELP to the mortgage processor and FEMBI before we started. She ASSURED me that she had over 30 years of experience bla bla bla and these reviews most likely came from the division that sells over the radio. Long story short we had them confirm for us ABOUT 10 TIMES that our interest rate should have been a certain number and low and behold they upped it on us at the LAST SECOND. They also tried to charge us points aka over a thousand dollars (under the guise that this was necessary because we allegedly had a favorable interest rate). This was BS as we had a close friend at Wells Fargo who we had check the interest rate and they were offering a WAY LOWER RATE. We raised complete hell and they finally (after many calls to management) waived these fees but we still got screwed with the interest rate. I swear these points are designed to make you feel like you get something when they are waived - meanwhile, they screw you to your face on an interest rate that is higher than that which you agreed to. But it will be too late (you will be close to closing and will have gone through a long and strenuous process with them) and you wont be able to get away! I will tell you they are a bunch of scam artists. I now work in real estate and have enough experience to know that we got completely scammed by them. I would never ever recommend them except to report them to the BBB. read more