If you are considering using NVR Mortgage because of the builder incentives, I strongly encourage you to read reviews across multiple platforms before making your decision. While the financial incentives may be attractive, it is important to understand the experiences that many borrowers have reported. We are not first-time homebuyers, and we fully understand that the mortgage process can be stressful. However, our experience with NVR Mortgage has been far beyond what we have encountered with previous home purchases. We were pre-approved in February, paid our deposit, and our home was completed on schedule. Since then, however, our closing has been delayed multiple times. We are now on our fourth scheduled settlement date and still have not received final clearance to close. Throughout the process, we have repeatedly been asked for additional documentation--often the same documents multiple times. Each time we believed we had satisfied every request, another last-minute request would appear just days, or even hours, before the scheduled settlement. The constant cycle of document requests has been emotionally exhausting and incredibly frustrating. Equally disappointing has been the lack of communication. When we asked why additional documentation was needed or sought clarification about the underwriting process, our questions often went unanswered. Communication became inconsistent, making an already stressful situation even more difficult. Fortunately, this is a second home for us, so we are not facing the immediate hardship of being without housing. I cannot imagine how devastating this experience would be for buyers who have already sold their homes or whose moving plans depend on closing on time. To anyone purchasing in the Delaware beach communities--or anywhere else--I recommend carefully evaluating all of your mortgage options before committing to NVR Mortgage. Every lender has underwriting requirements, but our experience has been marked by repeated document requests, multiple settlement delays, poor communication, and a level of customer service that fell well below our expectations. I believe prospective buyers deserve to be aware of the challenges we encountered before making their decision. read more

My wife & I had been looking at retirement communities for 4 years from Texas to South Carolina, up the coast to Cape Cod, before visiting DE for the 3rd time & then deciding that Heritage Shores in Bridgeville DE was gonna be our next & probably last building project.. We selected Ryan Homes in mid July.. Melinda Tisher & Mamie Todd, part of the sales staff were most helpful throughout the entire build, especially in our discussions pertaining to the specific home that would meet our wants/needs.. Also, Jon Uyttewall, the Project Manager, reviewed the building process & he listened to our expectations.. Most importantly, Jon delivered.. Their integrity, honesty & knowledge gave us a real peace in this project.. We also selected NVR Mortgage for the finance.. The closing cost bonus that NVR offered sure was a nice incentive.. Melissa Justice & Sherry Lorah were awesome in guiding us through.. There were numerous emails and phone calls exchanged between us.. They were very professional and provided the necessary information to keep everything flowing.. We discovered from the very beginning that the information that was required from us needed to be addressed immediately & everything they requested went to the top of the "to do" list.. The closing at Eizufon Austin Tarlov & Mondell, P. A. was nice & smooth with no surprises.. We closed on November 18th.. Thank You Everyone.. read more

In re: Karen Kirtsos; Normally, I refuse to write reviews and do surveys because I feel they are a waste of my time and I sincerely believe that my comments are not relayed to the person being evaluated or to his/her immediate supervisor unless they are for the most part.................negative. However, I feel obligated to make an exception regarding Karen Kirtsos. Karen has been given the unenviable task of compiling detailed financial information for clients who are applying for a mortgage. I have dealt with numerous loan processers over the years who have gone about the finance process with a robotic and matter-of-fact attitude, and have absolutely NO underlying concern for their borrowers. I can't say enough good things about Karen. She has been, without a doubt, the most professional, sympathetic and thorough loan processer that we've used. The loan process is a very frustrating endeavor for all concerned but Karen has gone above and beyond expectations, and made things so much easier for us. I sincerely hope that this review is read by the person or persons who supervise Karen and they will take this evaluation into consideration when evaluating her job performance. Respectfully; Ken & Virginia Heimbach read more

I'd like to thank Melissa Justice and Amy Wiley for all their attentions. They make such an excellent team! Amy was given the most difficult task of compiling very detailed financial information from people applying for a new mortgage. She has been, without a doubt, the most professional, sympathetic and thorough loan processor that I have ever met. I have dealt with other loan processors before and the thought of dealing with them just gives me the headaches. I can tell you right now, Amy will go the extra mile just to make the process to go smoothly as possible for you. No headaches! While Amy was retrieving all the paperwork, Melissa, our loan officer, kept us informed about the status of our application for a new mortgage at all times. She always had an answer ready for all of my financial questions. Like Amy, she was very professional and courteous! I hope that their supervisors know the great assets the two of them make for the company. I have nothing but complimentary words for these two women. Thank you. Jorge Lopez Millsboro, DE read more

Well, we just had our settlement last week and the whole experience feels surreal, like we are living our dream....wait a minute, that is exactly what we are doing, living our dream, thanks to, first Ryan Homes, which built us our beautiful house and then NVR mortgages who made our mortgage experience delightful. We have to say, you can not get into this whole process without some "sweat and pain", you have to do your due diligence and be prepared to work hand on hand with them, if you do so, they will guide you thru the whole process, giving you time to do your part and the flexibility to accommodate to your circumstance and, at the end, the day of settlement will come probably even before than you expected!!!... Yes, our closing was a week earlier than estimated, that is how efficient and professionals they are!!! Listen, everyone has their own experience and I truly hope ours inspire you to the right decision and as us, be able to enjoy the experience that we had with NVR mortgage. read more

We are currently having a home built by NV Homes and it only seemed natural to select NVR Mortgage as our lender since they work so closely with the builder through the process. We are still in the construction phase so the settlement process has not been completed, however, if it goes as well as the application and approval process we will be extremely happy. Working with Kaitlyn and Molly has been terrific! Both are extremely professional and very helpful with assisting in the process, a real pleasure to work with! As with any loan process, everyone has their role to complete their portion of the process, including the borrower, and keeping the information flowing quickly has been my experience with NVR Mortgage. We look forward to our settlement date and another positive review for a job well done! Thanks to all for your commitment and assistance! read more

I was a first time home buyer preparing for my first mortgage...I was nervous and apprehensive. I can not tell you how smooth this process went and how professional and friendly the staff was at NVR Mortgage. I was fortunate enough to work with an impeccable team out of the Dagsboro, DE office. It was so easy to correspond with my loan officer and processor and I always felt that they had my best interest in mind. I never felt that this process was simply to sell a mortgage...they assisted me in buying a home for my daughter and I. I was very pleased with my experience and would highly recommend purchasing from Ryan and using NVR Mortgage for financing. read more

In May we settled on our home in Lewes Crossing. Because I am a mortgage loan officer, I could readily assess our financing options. We elected NVR Mortgage for simplicity, the incentive and because the rate quotes were competitive. Melissa, our Loan Officer, was prompt, responsive and a pleasure to work with. Much of our contact was with Molly, our Processor. She was a joy. The process was smooth and straight-forward yet friendly and personal. This was a great transaction. I highly recommend both ladies - you will find yourself in good hands! Mickey Crofton, MD read more

We are so happy that Ryan Homes recommended NVR Mortgage to service our loan. Lucia Norwood and Molly McKinnon have been working with us in making the process run so smoothly. These ladies are exceptional! They are very professional, dependable, and very pleasant to work with. We love the communication. They are so easy to reach whenever we have a question or concern. We are very comfortable with how thorough these ladies are. Lucia and Molly are team players...assets to NVR! Thank you NVR for employing such quality people to service our loans! read more

I recently purchased a Ryan home with NVR Mortgage. Our loan officer, Melissa, and Loan Processor, Karen, made the process so easy. They kept our loan moving through the system and would routinely send emails throughout the building process with updates on our loan. As a first-time homebuyer, there were many terms and procedures that were new to me and that I didn't fully understand. Melissa and Karen were great at explaining what was happening and what we can expect next. Overall, I was very pleased with NVR Mortgage and would use them again. read more

I recently had the good fortune of working with Molly and Margie on a loan process with a very tight deadline due to multiple complicating factors. They handled my loan expeditiously and error free-just what my wife and I needed! They were always professional, available to answer my questions, and very patient throughout what can be a daunting process. I was very pleased with NVR mortgage in no small part because of these two consummate professionals. Kevin R. Now of Selbyville DE read more

I have been working with NVR Mortgage Brokers for the past couple of months and the experience has been wonderful! They have made the stress of buying a new home smooth and easy. They ensure you are reminded of any information that is required and are always accessible for questions. I have been working with Megan and Melissa and they have been amazing to work with and just all around good people. I recommend using NVR when looking to purchase a home! Nilsa & Alci read more

I recently secured a mortgage from NVR for a new home in Rehoboth Beach. Working with Melissa and Sherry, I found the process to be as smooth and simple as any mortgage I ever obtained. Their requests for information were clear and concise, and they provided sufficient deadlines. They lived up to every deadline commitment they made, and I would definitely recommend others to experience the same. Thanks again for making my home purchase a great experience. read more

The entire team at NVR Mortgage did an amazing job of helping us through the mortgage process. From start to finish we experienced exemplary customer service and professionalism. They showed great attention to detail and communicated with us every step of the way. Special thanks to Molly McKinnon who was always available to help and was a pleasure to work with. Thank you to Molly and the entire team at NVR Mortgage. We are extremely grateful! read more

This team is the BEST! We had some unseen moving expenses as we moved from Northern VA to Ocean View, DE and Lucia and her team, from top down, made our new loan work for us. It was touch and go for awhile there but, Good Lord, they made it work!! If you are looking for DEDICATED folks that will go to the wall for you to make your loan process work, then look no further - THIS is the team you want!! Happy New Homeowner in Ocean View, DE read more

We had the pleasure of Sean Emler handling our mortgage application as we purchased a new home in Delaware. What a great, patient and detailed guy! He was very receptive to all questions, walked us through the choices, paperwork, timelines and kept us informed throughout the process. And, we did this from another state. I would recommend Sean and NVR to anyone purchasing a new home. Mike and Cindi McLaren read more

I owned a business that required borrowing money on a monthly basis. Therefore I was use to dealing with lending institutions. Times have changed and there are more requirements. My sales Representative Susie Montague, made dealing with NVR Mortgage as satisfing as I have ever had. She deserves a A+, you owe to yourselves to experience NVR Mortgage and Susie Montague. read more

Susie Montague was a delight to work with. She was informative, professional and patient throughout the loan process always getting back to me right away and answering my questions. This can be an emotional process as well as a financial commitment and Susie always went the distance to calm and support as well as providing outstanding advice! She is a winner' read more

I just bought a new home . I just want to thank Margie and Molly for all their help! They made my life so much easier and stress free. They were always there to help me if I needed anything they made my settlement so easy. I just want to thank them and NVR Mortgage for all there help! Thanks to them I have a beautiful new home! Thanks again. Darlene Kuczinski read more