Dave and his team at Flagstar are exceptional. We discovered Dave Walling and his team many years ago while going through the efforts to find a good mortgage rate as well as a trustworthy lender. We found that and more with Flagstar! I appreciate the level of knowledge and expertise Dave (and his team) provides. He and his team truly are experts in what they do! When we bought our first home, I was "that guy" who reads through every line of every contract/agreement and wants to fully understand the entire process. Most brokers seem too busy to provide that level of care, not Dave! He took the time to explain every line of every contract/agreement which we signed, along with every variable utilized in determining our loan. This was huge for me as I was a first-time home buyer and had a lot of questions. At the conclusion of our loan, we got the home we wanted, closed escrow early, had a FANTASTIC RATE, and could not have been happier!!! Another important take-away from that first experience is the gaining of a trustworthy mortgage broker. We have performed numerous transactions since then, including re-financing as well as subsequent home purchases. We will never go with anyone else other than Dave and his team. If/when Dave retires, I guess I will just have to stop buying houses because there is nobody who compares. Furthermore, dealing with the bank following the purchase is very easy and convenient. They offer online account activity such as making payments, escrow impound account activity etc. Also, if you want to speak to a person, they are readily available for phone inquiries. If you are shopping for a home and need a top-notch broker, then try him and his team out! I guarantee you will be so impressed that you too will gain a mortgage broker for life! Thanks Dave, Tyler, Carissa, and the rest of the team at Flagstar for the outstanding service for over the past decade! read more

Flagstar Bank is a one star company as far as customer service goes. I agree with Randi K. who also posted a statement. I had ab insurance loss claim that started in February 1st, 2024. Flagstar has been a nightmare to deal with, to get the funds out of some vague escrow account. I have spent hours trying to get this resolved to no avail. They use an online website and an terrible department in their company called the "Insurance Claims Ceneter". It is the biggest barrier to get help to get my home repaired and the contractor paid. As of the writing of this review it is still not resolved and they are still holding onto money that I need to get my home repaired and paid for, Flagstar contracts out to a third party inspection company known as Safeguard Properties that is equally as incompetent and has rotten customer service. Whenever I call it takes hours to get to someone, at Flagstar to help get problems resolved and nothing ever get done. I have tried to get help from their so-called "resolutions department" and nothing ever gets resolved. No help, no resolution, just barrier after barrier. NO one ever answers quickly and god help you if you need to get transferred to another person. The calls go into call center hell and you can never get out. Flagstar clearly does not care about its customers, anything they have to suffer thru, nor really in getting anything resolved to assist their customers getting help. No one at this bank takes responsibility for anything!! They really do not care if you are their customer, your house is in disrepair, getting anything resolved; because of their incompetence and lack of good customer support, They have a lot of customer service verbiage on their webpage about their values and care for their customers which is all lies and subterfuge. As I am writing this review, I have spent another 30 minutes waiting on hold to speak to someone regarding my problem again.. Do not use this company, run, get a mortgage loan from anyone else or you will be very, very sorry. read more

I do not believe that Flagstar bank got 4.5 out of 41 reviews. I think these reviews are manufactured. That company has been a one star company for several years. Perhaps the branch in San Diego is different. I certainly hope so for the benefit of its customers. read more

We refinanced twice and purchased a mortgage with Dave and his team. Very professional and down to earth, he makes you feel like a friend when you talk to him. Always accessible by email and phone. He gave us good advice on our transaction backed by facts and numbers not opinion. We will for sure give him our business in the future. Thanks Dave for your help read more

VETERANS BEWARE! DO NOT TAKE ANY VA LOANS WITH THIS COMPANY!!! If I could give this bank Zero (0) starts I would. My VA loan was sold to them as of 9/1/21 and it has been an utter NIGHTMARE every since! I made my regularly scheduled payment and they received it but put it in a "lost account" their words when I didn't see it posted 10 days later. I called to follow-up and was told that it was because the account was new and they would open a ticket to find it and get it taken care of. 10 more days go by and nothing but late notices stating I was past due. I called again this morning once I found that the payment had been returned. I was told that my bank would not allow them to pull the funds and that I had to call my bank to get it resolved. I did that and the bank show that Flagstar could not recognize the account number and returned the payment to them. We verified the information and it was correct. No one knows why the payment was returned! Each customer rep has a different answer but no one can explain what happened! UGH!! I do not recommend this bank to anyone especially Veterans. Flagstar does did not know what they are doing and do not take responsibility for their errors. I am looking to refinance my loan simply to get it out of their hands to end this nightmare! read more

If I could leave zero stars, I would. They are one of the worst mortgage companies I have ever had the displeasure to deal with. The customer service reps don't care and give run around answers. They are charging a fee that they say is policy but no real explanation. She just kept repeating that the fee was policy. As a former loan representative, all I can say is that some of their practices are a bit shady and unethical. I am so disgusted. I see people have given good reviews - why can't everyone get good service thru Flagstar? read more

We just closed another loan with Dave Walling and his awesome team at Flagstar Bank. As always, Dave ensured the entire experience was top notch from start to finish. Great communication, quick follow up, and the utmost integrity is the name of the game for Dave and his entire team. We couldn't have been happier with our experience at Flagstar Bank, and I highly recommend Dave Walling for all your lending needs. read more

We have done 6 or 7 transactions with Steve in the last couple years and he is top notch. Responsive. Quick with answers. Honest. Gets it done. Pretty much everything you would want in a mortgage company. The process has always been easy and painless. We have never closed late. Totally recommend Steve! You won't be disappointed. read more

Where do I even start? My husband and I were recommended to Dave Walling by our realtor. We previously had a different lender in mind and were VERY loyal to them. So when we found a potential home and couldn't get ahold of our preferred lender we got worried. However, our realtor HIGHLY recommended Dave as the man that can make things happen. I am the type of person if I get one bad vibe from a person or company I will not do business with them. So I told my realtor I will reach out and talk to him to feel him out. My husband and I are considered young and used a VA loan so we needed a lender that would take the time to answer our phone calls and explain things we didn't understand without being irritated. As soon as I finished my initial call with him, I immediately called my relator to let her know moving forward we would like to work with Dave. Every question we had, big or small, Dave answered and explained it in simple explanations to us. Even when I thought the questions might seem silly, he was so kind and never got frustrated. (Let's just say I had a lot of questions, so bless him for dealing with them so nicely.) Dave and his team always went above and beyond to assist us. Might I add he got our escrow finished before the holidays, he is amazing. Thank you for everything Dave, we wouldn't be in our new home without you as apart of our team. Wishing you a ton of blessings and will definitely refer our friends and family to you specifically ~Arteaga Family read more

Dave Walling and his team made simple, what to us was a complex transition from buying a new home without the contingency of selling our current home. We were able to make a non-contingent offer on the home we just closed today, before putting our current home on the market, which is on track to close in 2 days. Great customer support with effective and efficient interactions with every member of their team. Highly recommended! read more

Five stars all around for Dave Walling. He was amazing during our home loan process... answering all of our questions and always easily accessible via phone and email. Highly recommend Flag Star and Dave Walling. read more

Dave called me and explained allot and feel he did his best in getting my questions answered. Thanks Dave read more

I certainly wish I could give a negative number review for Flagstar Bank. Flagstar Bank is easily the worst bank I have ever dealt with in 60 years of banking. Calling Flagstar Bank is like a trip to the kindergarten classroom. Often I find people who are hired to assist with Mortgage questions have a difficult time with the English language. If you're considering using Flagstar bank for anything please reconsider. Flagstar Bank has the poorest service of anyone including Wells Fargo who owns Flagstar bank. No surprise the federal government has been Using Wells Fargo bank as an example of what not to do. Flagstar bank is horrible don't use them for any service at all save yourself the trouble. read more

Will not process payments correctly if you pay from another bank or any other way than using their direct system. The system itself is inconvenient and does not allow for easy set up or use and no resolution has been offered by customer service. read more

If I could give zero star to this flagstar mortgage company I will. I send my mortgage to them every time early enough, but they hold your check and won't apply it to your account, it usually takes 7-10 days. This is ridiculous. they apply payment late helping them to charge more interest from all the customers. They even lied to us saying they did not recerive the check until the day they apply it. My bank always sends the check on time and also have the receipt. You can tell who is lying? Either the Post Office and my bank both lie or it's the mortgage company, it's really unlikly both bank and post office lie togethe to sent out check late! I hope there is a law suit publicly against this company for the extra interest they've stolen from every single customer they have！ read more

They processed the loan without any trouble, but the cost kept going up. It was supposd to cost about $597. Then it went up to $817. The $842 after they lost my check. Then they took another $900 out of my escrow account. The final paperwork was wrong and had to be changed. I guess they did not think I would read it. So basically they were charging me double interest for the old loan and the new loan. This could happen if you refinace with another mortgage lender, but it should not happen for seven days with the same lender. I'll go with someone else next time. read more

Dave and his team did an amazing job closing our house fast! He responded and got us what we needed super quick so there was no worry of not being able to get our offer in on time. His team is very professional and ready to answer any question you have. Would recommend him a million times! Thanks Dave, Tyler, and Carissa! Jessica and Vincent Dominguez read more

This is the worse mortgage company. I refinanced to lower my payment. First year after they raised my payment. Escrow shortage. Second year again raised. They said it was missed from previous years. My escrow and insurance are included in my payment. To avoid these problems. I would reconsider going with this company if you have choices. They said payment would go back down after a year. Will see about that in a year. read more

Steve and his team were amazing; mortgages and house buying are always full of unexpected twists and turns, but Flagstar made the process very smooth. I highly recommend them! read more

A bank that doesn't want to give you a home loan. NOT recommended. Incompetence / Disorganization. - Even though they accept and approve your loan documentation (proof of employment for example) they keep coming back wanting more "evidence" as the weeks go by. One example was when I wired a small good faith deposit into escrow. The Loan officer said they needed the official receipt from my bank of the transfer. I gave them the receipt and they said "perfect". I get a call out of the blue a week later.."Not good enough. You need to call the escrow company and get a letter stating they received that wire transfer".. so I did....but it was a major pain getting this because the escrow company doesn't get that request very often.. Then a week later, I get another call "Not good enough. You need to go back to your bank and get your latest bank statement to show that you wired the money and that they accepted the money". Okay, now imagine this asinine process for the majority of the loan deliverables. If you needed all these additional documents why not ask for them UP FRONT. -Dishonesty. ( two counts) Count 1 - Loan officers were one of the primary causes of the mortgage meltdown. Needless to say they have a long history of saying anything to make sure you don't cancel the loan and go to a different bank. This is especially true when it comes to fees and Cost Of Closing amounts. Provident ( and all brokers) give you a good faith estimate of closing costs when you first apply for the loan.. The fees, charges, impounds all make sense and are reasonable. When the loan docs are ready to be sent ( at the closing of escrow) you get a new cost of closing.. Guess what...Big difference in Fees and Charges. Provident went out of their way to pre warn me about the increase in fees and charges "Everyone freaks out when they see that, it's just worst case scenario. You'll get most of that refunded". *Bullsh*t flag*. They do this because it makes it more difficult to negotiate their fees down up front. Count 2 - Home appraisal. I'll write a separate review of the appraisal company later. Even though you are paying for the appraisal services, they work for the Mortgage company and only the mortgage company. This was another pain point that proved to me that Provident just doesn't want to do home loans. Complete incompetence by both the appraiser and the bank. Tip - Get the appraisal done as soon as possible. This will give you better leverage to walk away (or threaten to walk away) early enough int he process. - Slap to the face ( to the buyer, the seller, and the escrow company). Everything was settled in Escrow except for Provident sending in their money. For two days after the close of escrow everyone waited ( buyer - me, and Seller - Bank) to hear from Provident. On the third day, guess what ... Provident wants more docs! They required a copy of Drivers license, and demanded an explanation on a wiring fee I received on one of my bank statements. Again, all of this should have been required weeks ago. Idiots. You're challenging a wiring fee now? Really? Fortunately I had the information and sent it off.. It took another day to officially close. - Look, underwriting standards are tight these days. But if you're coming in with a conforming loan you better not waste my time with this BS. read more

Thanks for another great lending experience. Dave help me purchase another home and worked with what I had as before.

It has been an absolute nightmare working with this mortgage company. We financed our 2nd home with them and naively believed it would make for a more efficient process to refi our 1st home since they had much of the basic info. First week we had people reaching out for copies of our drivers license?! Then whether it was them or the escrow company they used they'd have four different people in the same office calling, texting and emailing us requesting information but not talking to each other about what the other was doing. We did the refi for cash back in order to use the money for house upgrades on both houses and the refi is now roughly a month past closing and they were called the other day as we were supposed to fund and couldn't because...they didn't have the payoff amount?!?! On fund day?!?!!!!! A couple weeks ago they had a request for in writing notice a Home Equity loan had been paid off...husband had to go into branch which was a nightmare process to get hard copy and send them...apparently they lost because again, promised to fund today but they are now asking for that...AGAIN?!!!! He happens to be working...in the field..out in woods...not happening today!!! I'm so over these unprofessional Mickey Mouse outfits!! Never have I ever...will reconsider ever buying in Cali again!! We are tying up contractors, sliding schedules all because this TOTAL incompetence!! Beware before you use this service... read more

I was referred to Dave by my realtor because of her previous experience in working with him and Dave and his team didn't disappoint. They did a great job in helping me close my house in just 2 weeks! He was always available for any questions and was upfront about what needed to be done in order for everything to come together. Carissa and Alexandra were great too! read more

Mr. Walling of Flagstar became aware of an issue I was having even though he was not in any way personally responsible for or involved with that issue. He offered to assist with expediting a solution, and that assistance was successful. I'm very grateful to him for going above and beyond for a client that wasn't even his. He's a good dude. read more

I had a great experience with Provident Bank Mortgage. David got our loan started quickly and Ashley did a tremendous job keep everything moving forward. They were both very personable and responsive as I had questions. I was really dreading the process of refinancing. We just closed today and I was pretty well shocked that it was over already. Provident did a great job at keeping me informed without overwhelming me. Thanks! Michael read more

My experience was awful at how Flagstar made mistakes in processing my loan. If your broker cannot promise you another bank for servicing, I suggest you find another broker. Customer service agents were unable to answer basic questions, and gave multiple conflicting information about how my property tax payment was lost, costing me late fees and hours of headache. They also messed up my Escrow reimbursement - total incompetence of departments communicating with each other. read more

By far the best Loan Officer in North County! I have worked with Dave Walling and his team for several years. They have been the most efficient, hardworking, and honest people I have ever worked with. As a local Realtor in the Escondido area for more the 10 yrs., I have come a crossed many individuals trying to earn my "business." It was a continuous fail! I was always on the lookout for a professional loan officer that would treat my clients fair and honest. I finally found that at Provident... Dave was referred to me by an escrow company because they were so impressed by his performance. From the first loan we closed together I was hooked. I continue to refer Dave to all my friends, family and any person I come across looking for a trust worthy loan officer. read more

I can't speak highly enough about the experience I received working with Dave and his team at Flagstar bank! Not only did he save my home deal when another lender couldn't perform, but he got me a much better rate, and was always available to answer questions. Customer service is at the forefront of all they do. I was also amazed when a charge for an extra appraisal that wasn't mentioned came up. Dave quickly addressed the issue, without making excuses and they paid the fee for me. I highly recommend without reservation Flagstar bank! I am excited to have a high caliber team that I can be proud to refer to others! Thank you Dave and your team for an amazing experience. read more

I cannot say enough great things about my experience with the Provident team. We just closed escrow on our home last week, and the entire process was as smooth as it could have been. Dave was always so great at answering ALL of my questions (I had millions), and he always got back to us promptly. Once our offer was accepted the staff at Provident worked so fast at getting everything together, and before we knew it was all said and done. Crystal was so kind, and easy to work with as well. Thank you, thank you, thank you for the smoothest home buying experience EVER! My husband and I will not think twice about working with Dave and his team in the future. read more

If there was an option to give zero I would do that. We just started with this company and have already understood that it's a waste of time. They don't hear their customers ignore their need and totally dishonest about the timeline They got a mortgage application with both our names included and without notifying us just removed my name from the loan papers. By the time we received all paperwork and realized the situation precious time was wasted and error couldn't be corrected. My husband called these guys and they confirmed that they understood everything keep doing wrong things in their own way. There is no need to mention lots of errors in loan papers as well. Lot's of boast and 100% customer dissatisfaction so far. Newer ever use their services if you want to close everything in time without extra fees. UNBELIEVABLE LAZINESS and EXTREMELY UNPROFESSIONAL SERVICE! Never ever again.!!!!!!!!!!!!!!!!!!! read more

Dave Walling financed our house 8 years ago, and when we moved in 2008 as well. He keeps us in his database with his newsletters monthly. They have fun information in them. He called a couple weeks ago to tell us that the refinance rates were very low. We refinanced and He made it very effortless. read more

We had such a horrible experience with the his company. I highly recommend to go elsewhere for a mortgage. We felt like we were lied to to get our business; like working with a salesman. We were ready to back out the deal completely due to this company, and honestly wish we did in the end. Sadly, this company was recommended by our real estate agent which ended up being bad as well in the end. Everything in the transaction was handled in an unprofessional manner. They were completely unappreciative of our business after we preceded to move forward with the company. read more

As far as mortgage lenders go, if you want the BEST....look no further. Dave Walling and his team at Provident (specifically Ashley, his assistant) clearly "set the bar" for the way businesses should be run. Their professionalism, follow up, creativity, knowledge, and "let's get this done" attitude result in 100% client satisfaction. I have known and worked with Dave for 20+ years and he just keeps getting BETTER AND BETTER! I would highly recommend Provident Bank Mortgage and Dave's team. It simply just does not get any better!! read more

My wife and I used Dave Walling for our first home mortgage loan and he was outstanding to work with. We were VERY new to the entire process and we requested a meeting with Dave to go over some details that we were unsure of. Dave took time out of his busy day to explain all the different processes and procedures and basically educated us on first time home buying. Any time we had a question Dave was very quick to respond and was always looking out for our best interest. I would highly recommend Dave Walling and Provident Bank Mortgage. read more

I can depend on Dave to assist my clients in determining the best loan for their needs as well as the best loans for the property itself. Many of my homes are bank owned and often the properties themselves won't qualify for a loan. Dave knows his products, can match the buyer and the property to the correct loan and can get very difficult loans closed on time. read more

I had the pleasure of working with Dave and his Team on a transaction for a Bank owned property. Not only did he handle my Buyer with professionalism but he made sure we closed on time and with no hassle. I highly recommend Dave and his company. read more

Steve Buyer does a great job of working with clients. He is right on top of things. Finally, someone who is hands on and does not shove things off to an assistant! Time to get back to serving our clients with personal attention. read more

My loan was originally with Penny Mac and started doing a refi with them, and was told 30 days, well 65+ days into still working on it with no end in site. Got an e-mail from Steve and decided what the hell, I'll try them since he did rescue me from dealing with Wells Fargo back in 2011 when I was buying the house. Boy was this the right idea, the loan started on the 17th of July and we finished up on Aug 3rd. What a difference this was. These guys are TOP NOTCH and work with you and give you up dates every step of the way. I know for sure who to turn to next time, and who to recommend to friends and family when they are in need of a loan or refi. Thanks Steve and CO... read more

Dave Walling and Provident Bank Mortgage are my 1st choice for a lender. As a real estate broker with many buyers, I have worked with several lenders over the years. Dave and his team are the best. They are very fast and can get things done quickly when others can't. I highly recommend them. read more

My husband and I just purchased our first home together and elected Dave Walling and his team for help with our loan. Our experience was awesome. Dave was extremely helpful, attentive and able to answer all of our questions. What could have been a very overwhelming process was made easier to digest and understand with the help of Dave. We couldn't be more appreciate of that. To top it off we were able to close escrow on our home in just 2.5 weeks! Needless to say we will absolutely recommend Dave to all our friends and family. Thanks Dave & team! read more