I applied for refinance in May with the information that I would be getting a cash out finance, and…read moreit would only take two weeks to complete within hours they had a notary to my house next came them asking for appraisal fees we went back and forth for another week or so because I was told fees were between 700 and 1000 I told them I was going to back out and then I was told to just pay 350 to get started so that is what I sent afterwards I was told that I would get a call from appraisal a week goes by and no information I was also told not to worry about my payment because it would only be returned but I made payment anyway first month rolls around still no appraisal called broker she can't be reached so I only received texts need more information came time to make another mortgage payment and again I am told to not make payment after due date now I have alate payment on report call again still no information being told it's at underwriting now it's after 2 months still nothing called to check no response told I will call back another week goes by nothing check my account before weekend and no appraisal no phone call next morning appraisal fees returned no reason not very professional and seems very suspicious to just want to receive appraisal fees

OCTOBER 2025 I closed on my Refi using them about two weeks…read more It was a very painful 9 week process. In all honesty I had no intention of releasing a review until I was done with IRRL. this entire process has been exceeding challenging and disappointing. The communication has been dismal. I had to repeated ask for information to never get the information that i requested. I was lied to multiple time and every time they messed up on the process which cost me on the amount i was going to receive they always justified it was out of their control. it started with 44k cash in hand at the beginning. then they made a mistake and it dropped to 37k. then dropped again to 34k and then dropped again to 31k. what truly upset me was at the day of closing when they robbed me 3 grand. my cash in hand was to be 34k. i get a update hours before close that it was actually 31k. which i should have had just told them to piss off at that point but i really was broken down by them and my wife asked me to just close on it and move on. the 3k i was told was out of their control and was based off of the mortgage company. to find out they bought my mortgage to sell it to another company. so they could have done the 34k but decide to screw me over. even after the closing. i have asked for some information and still have not heard anything from them. I am terrified to see how this IRRL goes in six months. that is if i can actually get in touch with them to get it done. or if i don't lose it due to something that was out of their control. As things stand i would never recommend them to anyone and i actually used them. sad. ***** FEBRUARY 2026 The mortgage company they gave me just increased my mortgage payment 350$. Awaiting a call back from a supervisor from the mortgage company as to why. but if i miss or late a payment I lose the capability to get the IRRL so i am not surprised. reached out to eMortgage Contact. no answer. SHOCKER. *****APRIL 2026 They keep calling me about the IRRL even though i told them i will never use them for anything and they keep calling and harassing me on it. i am literally taking it to my local bank and not saving as much as i could but at least I trust my bank.

This group called me, gave alot of "fluff" and I fell for it. Long story short, I have the income…read moreand all the nuts and bolts to make a refinance pretty easy. The appraisal company they use, awful. They will appraise at a loss .. even with receipts of repairs and such. Go anywhere else but here, and don't fall for the nonsense.

We are currently refinancing our mortgage through a different lender. Due to this we get a lot of…read morecalls from other lenders as well. Most are respectful and no longer call. Blue Whale decided to call my work, recognize it was in deed my place of employment and then decided to text the number so that my whole work and employer knew my personal business. I called to talk to a manager and he was very dismissive and did not care about my privacy concerns, proceeded to talk over me then hung up on me. Not a professional company. They saw our credit was pulled by our lender and they jumped on board. Based on the conversation and lack of concern for my privacy and the way "management" treated me. I would never do business with them nor would I hire someone who treated a "potential customer" the way they did. I was unable to get his name as he never gave it to me and hung up. Good job Blue Whale Lending!

They are really good service really slow it took almost 6 weeks to finalize my deal but they did…read morerefinance my home and they are legit business, I thought at first it was a scam but it is legit, there a little steep on there fees to.

Lies!!! I am…read moresubmitting this formal complaint regarding the handling of my elderly parents' recent loan application. My parents, who are both older and in poor health, placed their trust in your agency and the loan officer assigned to them. I assisted them throughout the process to ensure clarity and accuracy. During the application process, your representative repeatedly assured my parents that the loan was good to go. Based on these assurances, they proceeded with the required appraisal and paid a fee of $900.00. Despite these guarantees, the loan did not fund and did not close. At no point were my parents informed of any risk that the loan might not be approved or that the appraisal fee would be non‑refundable under these circumstances. They were led to believe the loan was secured and that the appraisal was simply a procedural step. As a result of this misrepresentation, my parents--elderly, vulnerable, and acting in good faith--have suffered a financial loss of $900.00. This is unacceptable and does not reflect ethical lending practices, especially when dealing with seniors who rely heavily on the honesty and professionalism of the agent assisting them. Terrible business practices.

David Wilfong was great, timely diligent and prompt. Mortgage shopping made easy by a great company…read morewith a great reputation and owner. Thanks David, Ish and Stanley.

David Wilfong provided very poor customer service. I rarely received updates unless I repeatedly…read moreasked for them, and when I did, I was met with excuses rather than clear information. Having to constantly follow up for basic communication is unacceptable and reflects poorly on the business. Overall, this was a very frustrating experience.

I had a very poor experience with AFEX Lending, specifically dealing with Chris Younan. The…read morecustomer service was extremely disappointing. I was given clear expectations about what would be done for my refinance loan, but those promises were not followed through. Communication was inconsistent, and when I needed updates or clarification, it felt like I was getting the runaround. What Chris said he was going to do simply did not happen, and there was no accountability or effort to make things right. Refinancing is a serious financial decision, and I trusted AFEX Lending to handle it professionally. Unfortunately, that trust was misplaced. I would not recommend this company if you value honesty, follow-through, and reliable customer service.

Do not use these people they pray on people with FHA and veterans. They are unprofessional and…read morestalk your email and constant calling. They don't understand the word no. It got so bad I called my mortgage company and ask was my information safe because there was thins mortgage company named Apex trying to under cut them and that they were practically stalking us. If they call block them immediately.

I reached out to them after going through so many companies and being told that I couldn't get a…read moreloan because building my house had run my credit down. The team took it on and got it done. I worked closely with Billy and Missy and within 30 days was cleared to close

Amazing customer service and mortgage company! They were so quick with their response and service!…read moreNothing but good things to say!!!

We recently moved across the country and had to do our entire home search virtually. Matt and…read moreLindsey made the whole experience seamless from start to finish. They truly went above and beyond by recording detailed video walkthroughs of homes and doing FaceTime sessions so we could feel confident about every property we considered. What really stood out was how much time they took to help us understand each neighborhood, including the pros and cons from their honest perspective. They always made us feel like a priority. Matt made the financial side of the process unbelievably easy and was extremely diligent throughout closing. He caught mistakes from the title company that we never would have noticed ourselves, and his attention made us feel much better. Even after closing, Matt and Lindsey continued helping us by connecting us with trustworthy contractors for work on our new home. That level of service and care is rare to find. We are so grateful for everything they did for our family and would absolutely recommend them to anyone buying a home, especially if you're relocating from out of state. When the time comes to sell our house, there's no question we'll be using Matt and Lindsey again!

After 25 years in our home we were unsure what to expect when we decided to sell. Our experience…read morewith Lindsey and Matt was exceptional! They were very clear when explaining the process and coached us through the steps needed to list and sell our home. Communication is definitely one of their many strengths. We always knew exactly what each step of the process would bring. When it came to negotiations, we always felt that they had our best interest in mind - and that we were well represented. I know they were working with many other sellers and buyers but it always felt like we were their primary focus. In the end we were so happy to have such a smooth sale. I highly recommend Lindsey and Matt!

I got this VA loan back when rates were very low, which means that I am, unfortunately, stuck with…read morethem until the loan is paid off, I sell the house, or rates end up incredibly low. That said, I've never had a late payment and I've tolerated their absolutely useless web page interface. Trying to retrieve any sort of record or documentation directly from their website is an exercise in futilities. Everything has to be called in during business hours and you have to have the rep order it and send it to you in email or some other medium. Okay, maybe you can email a request in hope that the person on the other end responds in a timely manner and actually understands the problem and provides the requested information. Good luck with that. Unfortunately, the latest insult to the term "customer service" from this company is a breach of trust too far. I have excellent credit. I am thriving despite these times that we live in. I manage my finances and take advantage of smart financial opportunities when they are offered. One of those decisions was to take advantage of the COVID federal mortgage programs that took our tax dollars to subsidize mortgage lenders for pausing or modifying home loan payment terms. I faithfully and responsibly abided by all the terms and conditions. Despite them screwing up at least 2 months of payments and record processing accountability. But, after recently applying for a credit card transfer account, I was informed that there was derogatory information with regards to this loan on my credit report. Making a long story shorter, this company saw fit to add a statement of "Loan Modified" to my account which was being perceived by other creditors as a statement that I was behind on my payments, had debt written off, or was otherwise in financial trouble with regards to my mortgage. After informing the company as to what impact this was having, and then requesting that the notation be removed for elaborated upon i e note that it was a covid federally approved program, I was flat out told that they aren't responsible for how other creditors view their notes. I requwsted that they reconsider based upon the CARES Act guidelines. Again, they doubled down that they didn't make a mistake and it wasn't there problem. This leaves me with no choice but to now file a complained with the Consumer Finance Protection Bureau. But in the meantime, just be aware that this is the type of "customer service" that you'll get with this company. So if you have a competitive rate elsewhere, I strongly suggest you take it.

They have forged documents to mimic my bank! The banks investigation team found Town Mortgage was…read moreforging documents in attempt to get more money! They also stole the escrow money and I had to pay out of pocket on top of the escrow money. My brokerage agent wrote a letter to town mortgage with no response. We have just retained an attorney and with the assistance from my bank and brokerage can show some very egregious behavior. They need a congressional investigation. My email is seanstephens25@gmail.com. If you have legitimate claims that can be proven, please contact me.