The entire process was laborious but understandable with the number of crooks and scams going on in…read morethis country information given to me was to the point and timely. Amerisave supporting cast paid attention to detail and performed well. Thanks for your efforts.

My experience with AmeriSave involved a loan process that took approximately 90 days, and my main…read moreconcerns were the changes in discount points, the clarity of the pricing disclosures, and the length of the overall process. When I initially proceeded with the loan, the June 30, 2026 Loan Estimate showed 2.473% in discount points, or approximately $2,329, along with a $500 lock fee. I proceeded based on that pricing. During the process, the discount points later increased to 4.032%, or approximately $4,011.93. After I raised a complaint about the change, the points were subsequently reduced to 3.597%, or $3,578.60, on the final September 23, 2026 Closing Disclosure. While I appreciated the subsequent reduction, the final points were still approximately $1,249.60 higher than the points reflected in the original June 30 disclosure. My primary concern was not simply that the loan terms changed during the process, but that I did not receive a clear explanation of why the discount points changed so significantly. I also did not have a clear understanding, when I paid the $500 lock fee, of the conditions governing how the fee would be treated if the loan pricing or terms subsequently changed. The approximately 90-day processing time also made the experience more difficult, particularly because the pricing changed during the process. I recommend that prospective borrowers carefully review each Loan Estimate and Closing Disclosure, ask for written explanations of any changes in points or fees, and make sure they fully understand the terms associated with any lock fee before proceeding. This review reflects my personal experience and the loan documents I received during the transaction.

We were looking to refinance our home in Roswell. We got quotes from about 3 other companies and…read moreDamian with Assurance Financial was the best overall. Damian listens to you and is not high pressure at all. He was very quick to respond to any questions and got us a good rate and we settled with 30 days. Damian was also able to get the appraisal waived! I highly recommend Damian and Assurance Financial.

I found Assurance Financial on Yelp in 2016 and contacted them solely because of the positive…read morereviews. Damian was a pleasure to work with and we closed on our home timely despite our personal challenges and he even came to the closing. This year when we wanted to refinance, we knew to call Damian. The process is seamless. His entire team and their associates were friendly and knowledgeable about the process. I love their efficient document system and how they communicated each step of the way. In both transactions, we closed ahead of schedule. Another reviewer mentioned their loan was sold. Ours was too and that is fine because the terms of your loan does not change. We still chose to do business with Assurance Financial a second time and will continue to do so should the need for a lender arise again. Thank you, Damian and team for outstanding service.

I inherited our family home and needed to get a cash-out re-fi. Paul made the process easy &…read moreaffordable. 1) as I was grieving and not looking forward to the bureaucracy, he and his team made everything simple. This gave me a lot of trust in their work. They only asked me what was necessary and worked quickly. 2) He locked me in at a great interest rate when another company was trying to convince me the rates were going up so I had to deal with an over 4% interest rate! Paul proved them wrong. 3) They are still available to answer questions or connect me with folks that can help (ie, shopping for insurance, or understanding mail) Thanks Paul & Ainsley

My husband and I are so glad we found Paul! We took lender recommendations from our Realtor, as…read morewell as, searched Google and Yelp and shopped around for rates. Paul was able to beat the best rate considerably. As first time homebuyers, we were a nervous about the financing process, but Paul made it incredibly smooth. He walked us through all of the documentation we would need, was very organized and responded to all communication quickly. With how competitive the market is right now, we felt it was vital to work with a lender that could move quickly and ensure the closing process wasn't delayed, and for that reason, we would highly recommend working with Paul.

Roll out the red carpet because the Moreira Team has made my cross-country move from Washington…read moreState to Georgia feel like a breeze! So there I was, almost settling for a 'meh' mortgage deal--$400K, 20% down, and a steep 7.45% interest rate. I decided to have a second opinion and Found Moreira Team with so many great reviews, so I decided to contact them. Enter Lucky, my mortgage matchmaker. Within half an hour (no joke!), he rang me back with a deal that had my jaw dropping: $470K approved, just 3.5% down, and a 6.75% interest rate! But wait, there's more: The team had a cherry on top: They referred me to a superb Realtor named Catherine, who gave me a grand tour of Georgia homes. From there, Taylor and Amanda whisked through the paperwork, ensuring everything was ready in two weeks. For a first-time homebuyer, they turned what could've been a daunting drama into a smooth, feel-good experience. I'm so happy I found them! So if you're in the market for a great mortgage team, look no further. This team is the best!

I found Moreira Team through all the reviews here, and they were right. From the time I first…read morereached out to them more than a year ago to when I finally found a house this year, they were communicative, responsive, and honest. They worked so fast to help me meet the seller's request for a more accelerated closing period, and throughout the process I always knew what was happening and what I needed to do next. Highly recommend them.

This company loves to have their cake and eat it too…read more You sent them docs week in advance, then the day before closing they come back with a bunch of arbitrary requests, many of which could have been easily handled earlier in the process with proper screening. Stay away!

I applied for a DSCR refinance on a rental property in Perry, GA through Lima One Capital. From the…read morestart, I was told their minimum loan amount was $125k, and my target was $140k with a Zillow estimate of $154k -- well within range. After a month of submitting documents, providing insurance documentation, and going through the full application process, their appraiser came in at $120k -- $5k below their own minimum. Rather than communicate this promptly, it took them an additional week to inform me they would not be moving forward. I submitted a formal Reconsideration of Value with five comparable sales supporting a higher value, including properties of the same type selling between $135k-$214k in the same market. The ROV was denied without meaningful explanation. The appraiser used a C4 property that they gross adjusted 48% as a comp. The experience resulted in a hard credit inquiry, appraisal fees, insurance policy modifications, and a month of lost time -- all for a deal that should have been flagged much earlier in the process. If you are investing in affordable markets where loan amounts may be near their minimum threshold, I would recommend thoroughly vetting Lima One's appetite for your deal size before engaging.

Michael and his team was and is OUTSTANDING, I will be forever thankful to the team for making my…read moredreams of home ownership come true. If you are planning on buy to a home don't second guess yourself Michael and his team is the place for you.

Amy is the GOAT. She is informative, collaborative, and has strong communication, so you know…read morewhat's happening every step of the way. There is teamwork, and the team Amy has is bar none the best of the best. Amy has some much time, experience, and wisdom, so she takes the stress out of buying a home, and providing all the right options for ownership. We've used Amy multiple times, and that will continue, as long as Amy is working in this industry.

I love this banking institution! All the employees have provided great service to me. The tellers…read moreinside the credit union (real courteous people!) are professional and efficient. I don't write many checks, so I'm extremely pleased that the tellers will print out checks for me for free.

Patience is a virtue with NFCU as they are making darn sure the Social Distancing mandates are met…read moreto a T. Only three customers are allowed inside the branch at a time. The intake process consists of your name being added to the Wait List, what type of vehicle you are driving & that you wait accordingly until it's your time to go inside the branch. Edwin the Doorkeeper was friendly, attentive & welcoming as he navigated the long line of customers. As a whole, the customer service is quick (once inside) & efficient across the board. They have complimentary Hand Sanitizer & Facemasks on deck.

Stay way. Multiple attempts to contact them have led to no follow-up, yet I still get…read moreCRM-generated e-mails asking me why I haven't responded. I have responded to several of them, no follow-up from Steve Tomlinson. If you are assigned him, run. There are many firms out there that are more responsive and have their act together. Go to a firm that cares.

Thank you BrightPath & Yaz Smith for a nearly painless mortgage application process! Yaz was…read moreespecially responsive and made certain we were updated and that we had ample time to submit the required paperwork and documentation - so much so we were able to close escrow a full TWO WEEKS ahead of our initial scheduled date!! We highly recommend working with Yaz - and we've already sent him a couple of referrals!

If you want a mortgage broker who will be right by your side through the entire process, you should…read morecontact Nicole Ward. I worked with Nicole throughout 2016 through several offers on properties that I was outbid on. She did not lose patience with me and continued to stay on top of things throughout the process until we had a home under contract and closed. Not only is she super-responsive, she is also extremely knowledgeable about her field. Looking forward to working with her again on the next one! Thank you Nicole!

Nicole has been instrumental in all my mortgages and refi's. She has guided my every step and I…read morehave wholeheartedly relied on her for everything. She is intelligent, acts with urgency, has great follow-up and I could not image ever using anyone else to be my mortgage partner. Thanks for all the great service Nicole, you are appreciated. Lori Perrotti

Well this review is long over due . I don't believe words alone can express the compassion and…read moreresilience Candace had when supporting and holding my hand as she promised in helping me find my first home. As many home owners know , the process is quite overwhelming and as easy as it seem to just throw in the towel , the wait and stress may just be worth it . Candace was quite patient and diligent when helping me search for a home . I never felt rushed or as If I was just another client . I felt that my voice was heard and valued and there was never any pressure . Candace I truly genuinely appreciate and thank you for your service and flexibility with me. Please keep in touch

I was looking for an agent to sell our condo in Atlanta. I used Yelp for this, and specified that I…read morewant an African American woman to be my agent. Candace was one of the ones who responded. She has a lot of great reviews, and I do not mean to detract from that. I wish her the best, but at the same time, I thought that, in all fairness, I need to tell of my experience. My own take is that she was usually a step slower than others to respond. And while everyone else went to look at the condo before getting back to me, she didn't. Both of these may be on account of the fact that she holds down a different day job. Perhaps she has an assistant or two at her disposal, but I'm skeptical that she would be able to provide the attention that I would have needed. Others who had a good experience with her - good for you. I decided to go a different way.