My realtor introduced me to Doug Leoni knowing that I would be in good hands with Simons and…read moreLeoni--the firm is amazing! My experience with Doug Leoni and Loan Processor, Jennifer Nohrer, was absolutely fantastic. One thing that sticks out to me throughout my experience was the consistent level of communication and support I received from Doug and Jennifer. They were always there to empower me with knowledge, and did so in a timely manner. As a first time home buyer there was a good deal I did not understand, but learned along the way. At one point, I began questioning my own decision making process on the home I would eventually buy. Knowing that I was questioning my decision because of cost led me to call Doug. Doug patiently took the time to walk me through my thoughts and doubts. The conversation was two parts financial advice and one part motivational speech. The discussion made all the difference and put me into a home and neighborhood I love! The conversation helped me to understand that I was going through some first time homebuyer jitters. Doug helped me feel comfortable with the fact that I was doing something big but my thinking about it all was sound. Doug also put me onto a fantastic loan opportunity and ensured I would retain as much cash as possible to put into my home rather than spend it on additional closing costs. Again, the experience and caring about the customer shone thorough as I moved towards the numbers aspect of closing details. Jennifer displayed the same kind of support during the loan processing phase. She patiently got me through documentation signing, information collecting, and preparing for the steps I would want to take after closing. She also took part of a Memorial Day morning to talk through the closing numbers of my loan so I would be well informed ahead of closing. During this conversation she also explained some steps I would want to carry out related to my loan servicer and homestead exemption application. This is a team of people that you can trust and believe in. They'll take great care of you!

Can't recommend them enough! If you're new to buying a home, they will help and explain everything…read moreto you along the way!

Navy Federal has made an auto refinance so difficult for my girlfriend. She applied to refinance…read moreand was out of town visiting family in PR. When she got back she went to the bank and picked up the check to send to Toyota Financial. Then she saw her due date is in 10 days. She called NFCU and the man said he would extend the date out one month. A few days later her due date on the loan never changed and when she called back she got nothing short of absolutely total rudeness and they said you signed the contract, and if you dont like it then you can withdraw the loan and go through the application process again just to have the due date one month from today. I did my loan through PenFed. Much better service. I asked to have my first payment pushed out a week because my car was being delivered to me and they extended it an additional 4 weeks in less than a minute. The choice is clear who im doing business with from now on, Yes to PenFed, heck no to NFCU.

For the most part branch associates are extremely polite and helpful. I did however have an…read moreinteraction with a teller that was a bit strange. I needed a cashiers check generated and after I was told to swipe my debit card he didn't say anything. After a good amount of time passed I asked him if he was waiting on something from me. His response was that he was waiting for me to count the money I was depositing. At that point I felt like I had to take charge of the transaction and lead him. I handed him the cash, asked if he still needed my license or could I put it away. ‍ Additionally every time I visit this branch there is a stench in/outside that smells like a sewer. Lastly, when I went to my car I realized I was parked next to a vehicle in which two young children were climbing in/out of an SUV while the adults they were with were preoccupied at the ATM. Initially I thought the adults weren't aware of what the kids were doing however that theory was quickly debunked. The kids were running back/forth between the SUV and the ATM. So to avoid possibly accident hitting the kids with my vehicle I ended up waiting until they left before I could leave also.

I am active duty military, own multiple rental properties, and was purchasing a primary residence…read morefor my family. This can be a very confusing process with the debt to income ratio of my LLC as well as being stationed in California but wanting to buy a house for my family in our state of residence. I worked with 4 different lenders and Heckman Mortgage was the company that fought for me to get the loan while others thought it to be too complicated or couldn't happen. For this, I owe Heckman Mortgage my gratitude for getting me the house I will enjoy for decades to come. Hire them is a must!

Heckman mortgage made our refinance a breeze. They are a pleasure to work with. It wasn't our first…read moregreat experience with them and won't be the last!

Caliber homes is the most awful mtg company, I purchased my home in 2019 using Caliber Homes as my…read moreMtg company. I refi in 6/2021 closed in 11/2021. Caliber did not include all my fees as in the disclosure they forgot to add the Hud balance of 62,000 from my modification in 2021 and did not record the modification $ of 62000.00 until December 2021. Now the . Now in retired and the dept of Treasury has garnished my Social Sec Check, My Irs Refunds, . Neither mortgage company Caliber and My new Mtg company state they are to blame and now the balance falls on the homeowner. I have hired an atty to rectify this. Be careful of Caliber Now new Rez homes. No one in the New rez will even help me with any records I need and answers to my questions as to why it took 6 months to record my modification. Beware of these 2 monster companies. no *

We did not start with Caliber for a home refinance this past July, but we are so thankful we found…read moreCaliber and the Frank Gemma Team. Based on a personal reference, we called Frank Gemma after very frustrating service from our current lender. Our bank was pushing a sale rather than listening to us and helping us select the right course for our short term need for a roof, and long term goal of taking advantage of the low rates. Frank Gemma and his Team walked us through all possible options with patience and personal interaction. Mr. Gemma never made us feel obligated, and was willing to answer questions and discuss our best course over a few weeks before we were comfortable with a specific refi plan. Mr. Gemma's sales approach kept us interested in Caliber. Even with our own good understanding of how the mortgage process works, spending our own money was way, way different! We wanted a trusted advisor first. Frank Gemma provided this even without the prospect of a sale. Frank and his Team helped us feel comfortable with asking questions all the way through the process. Everything seems logical until you see the closing statement for the first time, then you second guess why you even started the process. But, the Gemma Team held our hand the whole way. Our Advice: take time to interview at least 2 banks or lenders anytime you are making a financial decision. All things being equal, focus on customer service and trust that you can ask questions and get honest answers before selecting the bank. Confirm you will get the same service as you walk through the entire process. Frank Gemma's email correspondence included a video of Frank talking to us about our personal needs, what he recommended, and a thorough charting of 3 possible refinance options. What a great interaction tool! The format of the emails was a huge help because we could review at home and detail our next questions. The thoroughness of his emails sold us on his interest in us personally. Throughout the process, Frank Gemma personally visited with us when we did not understand an item his Team was requesting, and he personally walked us through the final closing statement. All service you should expect with home finance, but rarely get. The Gemma Tram was a winner for us.

If we could go with less than a star, I definitely would have…read more Back in April/May of this year, we were referred to Jen from our Real Estate Agent Geoff Z and with the exception of this referral, all of his referrals have been on point. My wife and I went through the whole process of filling out all the paperwork to apply for a 2nd Mortgage Loan to see if we can get a better rate than the firm that did our 1st mortgage here for our primary home in Chicago. After we did all the paperwork (which is quite lengthy since it includes copies of this and scans of that), we heard crickets from Jennifer and her team. What we did hear from her were causal texts to my wife saying how she busy she was doing interviews for her local TV program, etc. etc. Then we find out one of her team members contact the other firm to inquire about the interest rate they offered us. We ended up going with our original lender since they sharpened their pencil and came up with a clever way to lower our interest rate with a higher downpayment option. I'm writing this review today since I got an email from her asking for my vote for "The Best of Tampa Bay" in the Mortgage category. Heck no. I've shared my experiences with a few people already to stay away.

I couldn't recommend Jennifer even if I wanted to. A lot of her ratings on Google seem skewed as…read moreit's written by a lot of people who have just 1 review or just a few. When we started the lending process with Jennifer, the numbers were hard to read and when we asked her about it, she read it incorrectly to us and when I came back and asked her about it, she corrected herself. It's hard to think that a VP of mortgage cannot read her own numbers. It made the process difficult for us as first time homeowners because we were unsure of what the numbers really were. Her emails were snarky and she is not someone that I could recommend to any friends or family because of her bad attitude. We finally went to Quicken Loans (now Rocket Mortgage) for our lending and that was a much smoother process and more enjoyable experience for us.

RAC, should be named REC (wreck)!!!! I have been an insurance agent for 23 years, and I have NEVER…read moredealt with a lender such as this. I left a message and sent a voicemail on behalf of a client for their closing they are trying to get taken care of, that keeps getting pushed back and back and back. Trae Williams is the broker, and he is of no help either, all he says is that it is out of his hands and he just forwards it to the underwriter. I get an email from Sandra Valvano stating that the policy is not written for enough to cover the loan amount. I have explained to them that due to: Florida Administrative Code Chapter 69O-167.009 states this: "No mortgage lender shall, in connection with any application for a mortgage loan in this state which is secured by a mortgage on residential real estate located in this state, require any prospective mortgagor to obtain by purchase or otherwise a fire insurance policy in excess of the replacement value of the covered premises as a condition for granting such a mortgage." They obviously don't care about abiding by laws!!! I supplied them with the RCE (replacement cost estimator) showing the replacement cost of the home (which is all you have to insure), and wrote the policy for that amount. They insist that it has to be to cover the loan amount. I have explained several times that when you buy a home, that you do not insure the dirt, as if something happened to the home, the dirt would still be there, so you don't insure that. I have coverage in the amount of $173,400, and they want the loan amount of $184,676. We are talking about $11,276 difference (it is .26 acres in Palm Bay FL). When I call after no response to my message and email (over 2 hours later), I can't get through to Sandra. I am told that she is very busy. I asked if she was too busy to take care of a client with good customer service. I asked if she had an assistant, I was told NO. I asked for her boss. I was told that she didn't have a boss. I asked if she was the owner, I was told one of them. I asked to speak to another owner then. I was placed on hold and a woman by the name of Velma answered and said, "This is Sandra's assistant." I told her that I was told she didn't have an assistant, and she said that she was just busy at that time. Then back an forth with Velma, trying to take care of the client, and in the end, she said, "I can't do this anymore!", and she hung up the phone. I called back, she answered and she hung up again. If you are looking for a lender that is wanting to provide good customer service, PLEASE LOOK SOMEWHERE ELSE. This organization is not the place for you.

I've been working with RAC for years now. They are very solid at getting loans closed and most…read moreimportantly quick! The staff is very friendly and is always willing to help answer any questions or concerns you have!

I have recently worked with Jim Richards on the purchase of my new home. I have purchased &…read morerefinanced many homes over the years, but would like to say that this was the absolute best experience I have had to date. Jim kept me informed throughout the entire process, the information requests were organized and to a minimum, while giving me the sense of assurance that we were always on track. We were ready to close at least a week before the actual closing date and both of the Realtors were impressed as well. I would recommend WatersEdge Mortgage to my friends and family without reservation.

I just began my process with Jim and am so happy to have someone who listens and responds even when…read moreit's just to tell me he's working on it. This is what a mortgage broker does! Thank you Jim!

My wife and I just bought our first home, and we had the great pleasure of having Amy as our…read moremortgage loan originator. We first contacted her a year ago about the possibility of us purchasing a home and even when it was so far away, she still gave us plenty of guidance and information to get the process started. In April 2022 when we finally were ready to purchase a home, she continued that same excellence she had already shown us. She was quick with communication and never hesitated to elaborate further on anything we had questions about. Week after week, she was still taking the time to communicate with us daily and making sure we were cleared to close. She never made us feel like we had silly questions and worked with us every step of the way in making sure our finances were documented and our loan was secured. We could not have asked for a better person to guide us through the process of securing a loan and purchasing our first home. Thank you so much Amy!

We have had such a great experience working with NFM Lending, As the owner of an insurance agency…read morewe have a close relationship with Amy and it is always a pleasure.

I just closed on my second mortgage with My Easy Mortgage and I think anyone shopping for a…read moremortgage should contact them today. I have always received exceptional service from the whole team. I can't recommend them enough.

Sam Wax is the man. He will answer all your questions and reply to your text almost immediately. He…read morewas a great help to us.