Terrible experience. the only reason i gave them 1 star is because I had to - to move on to the…read morenext step. I would give negative stars if i could. I've bought home before so I know how it goes. FBC is the all time worst mortgage company I've ever seen. Rude, irresponsible, unaccountable. They made the buying experience way more stressful and difficult. Rude, stupid & unaccountable is how I'd describe them. They really made us upset when they should be trying to make the home buying experience much more enjoyable and educational. I would definitely spend more money than deal with these clowns again. Do yourself a favor and use a Company that understand the mortgage business and people better

I wish I could rate them less than 0. I did not opt to do…read morebusiness with this company or its sister/partner company CENLAR. But still they bought my loan from JET HOME LOANS that I was lured into by Dream Finders Homes with 10K closing costs assistance. Little did I know at that time, that I will be doing with such horrible companies like CENLAR and FBC. As for my story, where do I begin? With the first mortgage statement for twice the amount (Principal + 2X Interest) with a wrong due date, or right now where they are refusing to apply my payments to my loan balance? Their only excuse for all these blunders is that they are still in the acquisitions phase for (is it 60 days or 90 days, depends on who you talk to at CENLAR and/or FBC) and that we have to be patient. But they are not patient with their bouncers and legally required notices. They don't apply my timely payments, but they have the audacity to have their bouncers call me threatening me with foreclosures and keep sending letters threatening me with foreclosures because I am delinquent on my payments. I clearly told them that they are behind everything, and they are the ones delinquent in ethics, morals and integrity. It is not until I complained on CFPB that they finally orally confirmed that I paid my monthly amounts and promised that they will apply my payments to my loan by Mar 9th. Apparently, they apply payments manually but send out bouncers and letters using an automated system. Wow! What a choice of processes to automate. No sane company would ever automate bouncer calls and threatening letters without automating payments application first. They delay applying payments and then mark my account as delinquent. Who runs a company like this? I am thinking of refinancing even if it is a little more expensive.

Orlando Financial Center was my third stop on my refinance journey and I don't mind saying that I…read moremade a mistake going anywhere else first. Everyone else I had dealt with was untrustworthy and unprofessional (bait and switching rates, adding fees, etc.) Then I met Nancy. Nancy and her team were all equally delightful, super responsive and did their best to get me the best rate while making the process easy and painless. My full time job isn't to refinance my home and they understand that. Whether it was email, phone or in-person, Nancy and her team understand quality service. I'll be back and I will gladly refer everyone here. Thank you!

Nancy with Orlando Financial was extremely helpful and we were fortunate to work with her. She…read morereally walked us through every step of the way. She was honest, detailed, and kind. She made sure we understood all the paperwork coming our way. She offered her suggestions and provided tips along the way. Not only that, she was constantly in communication with clear and concise information. Buying a new home can be stressful, but she really made the process that much simpler. I would highly recommend working with her again and plan to refer her to friends and family in the future. Thank you again for ALL you did!!

Seth and his assistant Heidi made us feel that our mortgage was not important to them. They…read moreconstantly said they were too busy, and documents were not reviewed in a timely fashion. This actually caused our closing to be changed from a Wednesday to a Friday when my wife and realtor were sitting at the title company for closing and Seth had to call to say the loan wire would not be funded, causing us to return on Monday. From day one, Seth told my wife and Realtor there would be no problems and she was approved. Seth claimed to talk to his supervisor when pressured to close, but still could not get the deal done on time. The underwriting team is also horrible, once again documents were not reviewed and with each item submitted they asked for something new. In the end they would not allow over $100,000 of documented income, shown on paystubs to be used. Please we highly recommend you use another company for your mortgage, as not to go through the stress and pressure that we were placed under.

The team at CrossCountry were able to help my wife and I close on our new home in less than 4…read moreweeks! I found the entire team working there to be professional, courteous, and very prompt in their communications. They came highly recommended to me and I highly recommend them to you! Paul, Chris, and Kurtis will go the extra mile to help make the process as easy as possible for you!

Filed a dispute because the merchant we paid only shipped half (4 of 8) shorts we ordered. We…read moreordered in Jan and we received 4 shorts in Feb. We emailed the merchant for 3 months about the remainder of the order to no avail. We filed a dispute with NF. We sent proof where the merchant clearly apologizes and acknowledges (in April) that they still didn't fulfill the order (see attachment). Easy decision right? Wrong! NF said the merchant, yes the merchant makes the final decision if the dispute is approved or denied and since the merchant sent 4 of the 8 shorts, they denied the claim and get to keep the money for the 4 shorts we did not receive. This makes zero sense. Do yourself a favor and don't bank with them. The people there are incompetent and they care nothing about their members. Midflorida Credit Union is much better.

I recently started banking here and love the services this bank has to offer…read more Customer service is excellent. If I have any issues with my account, it is addressed quickly. I have all my accounts with this bank including credit card. Highly recommend this bank.

Shahram is sharp and exceptionally talented. He is spot-on in his recommendations for what was…read morebest for my situation...and I have engaged Shahram several times for real estate deals. He provides clear & timely communication. He is thorough, helpful and very professional. Shahram goes above and beyond and he will keep you updated without having to ever ask. Go ahead and compare his offers against other companies - he will beat the others hands down.

Working with Shahram was incredible. Shahram was able to close a tough loan within two weeks and…read moreheld my hand throughout the process, even when a glitch presented itself at closing Shahram was there and took care of everything. I could not have asked for a more professional, on task individual. Got the best loan rate and even assisted in home insurance at an incredibly low rate. Shahram is very knowledegable, understanding and professional. I value his honesty and integrity. Thank you for such a great job Shahram and all of you help.

One of the best companies in Central Florida. If you're looking at buying a home this is the place…read moreto go to for great rates. They're with you every set of the way and help you close on time. You can always expect excellent service. I highly recommend them.

We were given a list of recommendations for mortgage brokers from Wemert Group Realty. (Sarah &…read moreTony from Wemert are amazing) I did some research on all the companies provided on the list. After seeing the bountiful positive reviews on multiple sites for Home 1st Lending, we decided to go with this mortgage broker and boy am I glad I did! Caleb and the team have done a marvelous job. They are extremely knowledgeable and super responsive. They were always on top of anything and was there for any questions that we had. We were able to not only get a competitive APR but also a very low PMI. In the beginning I was super worried about the PMI since we didn't have the affordablility for 20% down but Caleb was able to find the perfect loan that fit our needs. I stress out very easily but Home1st Lending, LLC made this process easy and stressfree for me. This is the second time purchasing a property but I wish I had known about this mortgage broker for when we first purchased a home. I highly recommend them to anyone needing a reliable, friendly, and efficient mortgage broker. - S&C

Stephanie was quick to respond to schedule an appointment for notary services. She went out of her…read moreway to make it easy for us to get the documents executed. Will definitely use her again when needed, and would recommend her to anyone needing notary services. While we met at her office, she said that she also does mobile notary.

I was emailed some last minute paperwork from my job for a travel position that needed to be…read morenotarized fairly quickly. Stephanie was more than accommodating in making sure I got everything that I needed all while being quick & accurate. Friendly, efficient, reliable & professional service. Definitely recommend.

This is a total bait & switch company. They advertise no closing costs but they don't tell you…read moreupfront about the discount points/fees they add on until the end. I went through all that hassle of providing all my info and having them pull my credit just to say I'm not going to pay $12,000 in discount points. That's where they get you. I told the loan officer I didn't want points upfront and I guess it went in one ear and out the other ear. The other negative is that you can only make one payment per month so no option for biweekly payments or if you want to add in an extra payment. It has to be in one payment a month. The customer service here is not friendly. The loan officer I got is very old school. Kept referring to coupons instead of statements. Everything is done online now. I don't keep papers of anything except my W2. Anyways this company wasted my time. Beware before you go with them

I feel obligated to give 2 stars because the fact is that RP got me the best rate on my refinance,…read morebut if it was even close to another company, I would have gone with someone else. I absolutely hated giving my business and money to these people. Called RP originally looking to refinance my mortgage once interest rates had gone down and values in my neighborhood had gone up. We thought we could eliminate mortgage insurance at this point. I had called RP for my original mortgage, but purchase mortgages are not their specialty and they didn't offer us the best deal. Broker was pleasant though and suggested I call when we're ready to refi, so I did. This time, Joey Marmo was our assigned broker. My dealings with Joey made me feel dirty. It was only marginally better than buying a car. The experience was miserable. Every time I asked a question, I got run around answers or vague answers until I asked the same question for the second or third time, angry and frustrated. He would repeatedly tell me that their deal was better than another, but not explain. For example, we had to bring some cash to closing to eliminate mortgage insurance because our appraisal screwed us, but I thought I found a better deal which clearly showed a lower cash to close. However, when I sent it to Joey, his only response was, "their deal is inferior, our loan costs are X, and in the interest of time, we're through discussing this. If you want to close, contact..." I understand his frustration to a degree - it was the 11th hour - but rather than explain how their costs were lower but the other company's cash to close was lower, he left it alone and then didn't answer me when I asked for his help understanding the discrepancy. Turns out the other company greatly understated the estimated payoff of my existing mortgage, which is how they were able to manipulate the cash to close number, but it took an hour of comparing line items to figure that out when Joey could have taken 2 seconds to explain it instead of being a slime about it. Also, his frustration wasn't fair considering throughout the underwriting process, I asked for specific numbers - monthly payment, cash to close, etc - and he repeatedly told me I had to wait for the closing disclosure for that info. So, to get upset with me when I continued to ask for the information I needed and you continued to brush me off isn't fair or professional. He actually said he wish I brought up the cash to close issue in the 5th inning instead of the bottom of the 9th when he was the one telling me for weeks I had to wait until the 9th inning for the info I needed. Finally, even the way they do business is a bit sleazy. While they did have the best numbers in the end, they had the highest origination fee by far. However, they make it up by giving a lender credit. So, kind of like a store that jacks up their prices before putting things on sale, they have outrageously high origination fees just so they can look like their giving you a great deal on the back end. Would be clearer and more straight forward to simply cut your origination fee to a more reasonable amount. Anyway, like I said, it was all about the numbers and RP was the best, so you should probably give them a chance. But if you're connected to Joey, ask for someone else, and be prepared for a bad experience to get the best numbers. Would have rather given my money and the commission to someone else, but to be fair, a friend helped me with my original mortgage and he ended up screwing me in the end, so I guess it's just an industry of sleaze.

I stopped in one afternoon just to see what they might be able to offer me banking wise. Not…read morehaving the greatest credit will sometimes hold you back from obtaining a new account. I sat down with one of the reps Valerie and went over my information. She then took it into the branch managers office Belinda Cooper, who said to give me a shot. They are a small community bank from south Florida and an overall great group of people. So happy to be gaining the trust and warmth of a community bank!

I can't say enough about the people & service at City National Bank! Not only do they have…read morecompletely FREE business checking, including free checks, they provide over & above customer service. When I have a special need or request I can just call directly to the branch with confidence that it will be taken care of. There is no way I could ever get that kind of treatment at one of the monster banks. I HIGHLY recommend CNB to everyone looking for a great bank with great products & great people!

Ben Mihalik with Nations Lending is phenomenal. He is one of the most knowledgeable lenders I have…read moreever spoken with. We would not have gotten our current home without Ben's help. Ben is great to work with and made the process as easy and painless as possible. Ben should be your first and only call.

Ben Mihalik made this long process into a short one. He helped me realize my dream of owning my…read moreown home. He was always informative and quick to answer any questions. I certainly would recommend him again to anyone I know.