I'm not sure the reviews on the company are true. I reached out on a Friday and a man answered and…read moreseemed too busy to talk. He said he'd call me back at 10am on Monday and never called. I called again a week later, left a voicemail, and didn't hear back. It has been 3 days and unfortunately this type of service doesn't work when you are trying to make an offer.. another review said they were difficult during closing.. so I'm choosing to believe that as well.

Nick and his coworkers were great to work with. All were courteous, knowledgeable, provided quick…read moreresponses, and professional. This is the second time I have refinanced with Nick and will continue to do so in the future. I appreciate his honestly and professionalism.

Great customer service, made the home buying process less stressful! Was there every time I had a…read morequestion he responded within minutes!

Absolutely the worst experience ever. I originally was working with an LO based in Wisconsin; in…read morethe middle of our transaction, he and his entire office chose to leave Envoy. When he left, there were 2 conditions on my file; one of which was the appraisal. We had already been pre-approved and was assured that all that was left to do was close. When my file was transferred to Louisville, it fell apart. The Loan Partner was a joke. She took days to return emails and was generally non communicative - I received the same feedback from my realtor office and the title company we were using; no one was successful in communicating with this woman. We were asked to provide information that was provided once or sometimes TWICE before. I simply began forwarding emails that the Loan Partner had already received, because apparently she was not capable of searching her inbox and/or remaining organized. FIVE business days prior to closing date, my loan was declined. Let me also say that the accepted offer was 40 days prior, so this was by no means a rush deal. I am absolutely disgusted by the lack of professionalism by Kim B and the rest of the team that our file was transferred to in Louisville. I now have greater clarity as to why my original LO left Envoy. There is something to be said about relationship banking and you will not experience that here. STEER CLEAR.

I did a refinance on my home, I met with Stacey the mortgage consultant, she made the process very…read moreeasy and explained everything as we went along. The closing was within 30 days, and simply could not have been smoother. Stacey as well as another associate Shelly were always available when any questions arose during process. The closing went smoothly as well, and Stacey even showed up for that which I appreciated. Then 1 month after the closing I was dealing with a situation with my new Mortgage company due to a property tax re-eval I asked for. Not fully understanding what the mortgage co. was telling me, I reached back out to Stacey and Shelly and ask if they could look at the documents concerning the matter. Shelly was right on top of it and shared the problem with Stacey as well. They reviewed the documents and had questions as well so they did a 3 way call with me and the Mortgage co. I thought it was resolved after that call. Well, a few hours later Shelly called me and said that her and Stacey still felt like something was off with the Tax issue and they had actually been making phone calls and working on it long after I thought it was done. Shelly said they called my insurance company in search of an answer. Well that is where the answer and a check I was owed lies. Shelly and Stacey went above and beyond and I am so grateful for that. This Company is legit and I highly recommend them . Leann Gill

From the owner: With thirty-five years of experience, our knowledgeable team is confident that they will facilitate…read morea smooth closing in the purchasing of your new home. We spend time with our clients to ensure they understand the entire process. There are so many options when it comes to mortgage loans, and we will walk through your options from adjustable rate and fixed-rate loans to FHA or VA loans. If you are looking for an experienced mortgage company, contact our team today!

While Julie claimed to have many years of experience my experience working with her was not good at…read moreall. Specifically: 1) She overlooked lots and lots of details, from taxes to incomes and various docs. 2) She did not respond to emails/phone calls in a timely manner, especially during critical phase of our condo purchase. 3) She promised the best rate, but did not lock the rate, which caused us to not only pay .25% more, but also to lose $7000 worth of lender credit towards closing costs. 4) I had to chase her to get almost everything done. She was not on top of her stuff at all. 5) She did not explain the processes well enough nor clearly. We had so many surprises, specially during finals days leading to escrow, including escrow day. My fiancee & I had so much problems with her that this interaction ended up being the most stressful and the worst financial transaction for us. Thanks God our realtor, Justin Carrow, was a great guy and helped us through everything. Without him to deal would have fell through. Towards the final days leading up to closing, she was dropping the ball, almost sabotaging the deal, and I had to escalate and get her manager and the branch manager involved to fix issues. Sasan

Although quite experienced and garnished with many accomplishments, I was not impressed with…read moreJulie's service. I had several specific issues with Julie: 1) She proved to look over details (she misspelled my wife's name on multiple occassions, she put the wrong price down for our house, and then questioned me when i tried to correct her...she kept saying we were buying a condo which would mean a higher rate, but we were in fact buying a townhome, or PUD) 2) She said she would give us the best rate, and her "wholesale rates were better than lender rates"...that was just plain wrong. 3) She spoke down to my real estate agent. To Julie's credit, she apologized profusely, and was gracious in the end. However, I still have a sour taste in my mouth from our experience with Julie. We ended up going with a lender from BofA who gave us a better rate, and less stress.

When it comes to banking, I perfer to do everything online with 0 human interaction. I did a have…read morean issues that required assistance that either needed to be the drive thru or in person and I was dreading it. I arrived here at 1pm on a Tuesday. There was a bit of a line but it moved at a decent pace. The lady who helped me was excellent. She resolved my issues quickly and effectively. She was very friendly and able to fix the issue in the drive thru. I would go back to this bank if I needed in person assistance.

We did our refinance closing here and they were great. Very conscience of all pandemic precautions…read more(hand washing area, hand gel, individual packets with take home pens etc) and, bonus for us, on Fridays they have "take home" with samples from local businesses. On the day we were there we got individual Bundt cakes! It's the extras ya know? Everyone was very nice and extremely professional. We were in and out painlessly. The only reason I didn't give 5 stars is because I had to do some outreach to move the timeline and communication along. Otherwise no complaints at all.

I ended up not getting a loan with them. The broker I worked with was a little pushy. When I found…read moreout the housing development I was looking in was not FHA approved, he suggested I look for a house that was FHA approved. Uhm, I'm not going to choose a house based on a loan product.

From the owner: As a Louisville Ky Mortgage Broker with over 20 years experience. We offer a full line of loan…read moreMortgage programs such as FHA, VA, Rural Development,Conventional, and Jumbo loans. What ever your situation, we have a loan that will meet your needs.

I cannot say enough about Bryan and his team! We were originally working with Chase Bank on a home…read moreloan and it wasn't going well. I spoke with Bryan about options given how close we were to closing. His team delivered!! Not only did they beat the rate Chase gave (including all the discounts I had for being a customer over a decade), but they went open to close on my loan in under 11 days! It had to have been some sort of record, especially given COVID-19 complications. Their team was highly communicative, organized, and responsive.

From the owner: Brian C. Lykins of 1st Class Mortgage Group LLC takes pride working with our clients hand & hand on…read morethe largest financial decision of a consumers life. Their home. KY,FL,IN,VA,AL,TN

I have worked with United Financial Group twice now. First when buying my house and second when…read morerefinancing my house. I worked with Steve Renfro both times and had very pleasant and smooth experiences. Steve is very responsive and clear. He helped me through all phases of the home buying process and also refinancing process. We would text and e-mail regularly, and he was very transparent about everything going on. As someone who isn't familiar with any of this stuff, it was nice to have someone who was clearly communicating with me and explaining stuff when I had questions. The rest of the staff is also great in sending things and communicating. I can't really compare this to any others, but I have been very happy with and definitely recommend UFG!

I was referred to UFG & John for my refinance and have been recommending them since. John was…read morealways quick to email me back whenever I had any questions or to give me a call to discuss/explain things. Excellent experience. I'm sure I'll go back if I need to refinance again... but in the meantime, I'll continue to refer.