If you are searching for property-related financial services, you owe yourself a call to FCB Banks,…read moreand specifically Jeff Silvey. Even if you are just wondering about the current rate climate, pre-qualification, how much house/debt you can comfortably afford, and/or if your realtor recommended another firm or specialist, IT IS ELEVENTYBILLION PERCENT WORTHWHILE to at least reach out and touch base with Jeff to see what he and FCB can do for your unique situation. In late 2024, I relocated from California to my hometown in the Metro East. I was pretty confident in my financial situation, so I opted to wait until I found the right house before shopping for finance options. It ended up working out, but let me tell you why you should reach out As Soon As Possible.......Another party made a concurrent offer. Our offers were identical, so the seller wanted to see evidence of downpayment and/or pre-qualification to determine which bid to accept. IE....so much for MY confidence in my financial situation. I cannot fault the seller AT ALL. In this case, DOCUMENTED $ talks, and the other walks. Luckily, I was able to immediately document the down payment and Jeff worked with me to determine an initial, rough pre-qualification then issued a letter demonstrating as much. Even as a well-qualified buyer, I still had to jump through "the usual" underwriting hoops - proving I'm actually me, providing bank statements, explaining any rouge or incorrect entries on my credit reports, etc. Jeff forcast the process accurately, explained each step we took, and gracefully fielded a couple of my, "Are you SURE I'm getting the best rate?" calls. He showed up at closing, and followed up with written thank you!! (pictured) In today's electronic age, the time he invested and the in-person handshake definitely solidified my relationship with Jeff and FCB. I could sing Jeff's praises to the hills and beyond, but that may not ring your particular bell. So, what I will say is, "Don't get caught unprepared and loose out on your family's perfect property or home." Take that step. You will not regret choosing to contact or work with Jeff. I will be a repeat customer.

I am a Real Estate Broker who caters to clients with the highest standards when it comes to service…read moreand Jeff has continuously exceeded those standards. Jeff makes all of my clients feel less stressed by ensuring they understand the entire purchasing process. He and FCB Bank have achieved what most other lenders can not when it comes to getting some of my clients qualified. In todays World, it is so hard to find somebody that truly cares about their job as much as Jeff Does. That is why I will continue to recommend him to anyone who is Purchasing or re-financing.

i know we couldn't have been easy to work with (is it ever easy in this industry) but i am so happy…read morewith gershman. it was super simple. when rates went down, i asked rick if he could help to lower our recently-mortgage home and he was very helpful. i am very confident in doing further business with them and referring.

From the owner: Gershman Mortgage offers a wide range of mortgage products and is one of the area's leaders in…read moreFHA/VA and conventional single-family home loans having financed over 150,000 loans in the St. Louis area alone. Nationally, Gershman services $650-700 million for multi-family and healthcare facilities in over 10 states. Gershman specializes in providing and servicing all types of financing for apartments, nursing homes, assisted living facilities and hospitals utilizing tax free and taxable bonds. Gershman Mortgage is one of only 25 Active Lenders nationwide to be HUD-approved for MAP (Multi-Family Accelerated Processing) for apartments, assisted living and nursing homes. In addition to HUD financing, Gershman offers many other conventional financing options to their customers.

We began our journey of home ownership several years ago, we aren't typical buyers as we had some…read moreobstacles to overcome, and we had some bad luck working with other lenders in the area and nothing seemed to get the job done, until we called Chris. He put our minds at ease and let us know that he would do everything he could to get us approved. We contacted him late February and today we're home owners! So professional! All of my endless questions were answered and I was informed of the whole process and what step was next. If anyone is looking for an All Star Lender please go talk to Chris!

From the owner: Chris has a degree in economics from Southeast Missouri State University. His number one priority…read moreis to help each of his clients meet their real estate goals. Communication and accessibility are important to Chris. All his clients are given his personal cell phone number, and he checks in with weekly updates throughout the entire loan process. Chris enjoys spending his free time with his wife and daughter.

This spoiled guy wasn't my loan officer but my landlord at Cambridge Condominiums in O'Fallon,…read moreIllinois. He apparently owns three condos there. You should stay away from this dude he's a spoiled rich kid from St. Louis that thinks he knows everything there is to know about real estate. He's also vindictive and an awful human being. Things started well. We got along, he was coming off some really bad tenants at the condo i wanted to rent. He let me pay the security deposit in either two or three installments. It was myself and my two small boys at the time coming and I was coming from Belleville in a house that I had been in 15 years. I moved because my ex-wife was dying of cancer and i needed to be in place so my kids could continue going to school in O'Fallon and it wouldn't be a huge stressful move for them to live with me going forward. It's been a while and it's hard to remember the sequence of events, but initally the first thing that was a problem was the sump pump. I'll say he was responsive in getting his guys over to work on it, but he had to be called to ok every little move they made which lengthened the repair process. The noise this thing made about every 5 minutes or so was deafening. It finally got fixed by it took forever. Shortly after the sump pump, the refrigerator began leaking and the microwave made a god awful noise while it was running. Keep in mind at the time these were condos that were worth about $180K and he was charging a premium to live there. These appliances were originals to the place built in either 2002 or 2003, It turned out the filter on the bottom of the fridge hadn't been cleaned in years and it got so bad that Ryan's crew told him the refrigerator needed to be replaced. So rather than using the moment to get a fridge, stove and dishwasher that wasn't from the Price is Right, it was replaced with a new fridge, but white and dated the second it was delivered. As for the microwave, we told them the noise it made and that it too should also be replaced. Instead, he left it and didn't replace it and shortly thereafter it fried itself one night causing the condo to stick like burnt plastic. He still didn't replace it, so I had to get one so we had one to use. At this time the dishwasher also started giving us problems because it was original to the place as well. This issue was never addressed. There was also an issue of there being virtually no hot water in any of the bathrooms. He said it was there but we'd just have to play with the knobs to get it to come out. There came a time towards the end of the lock downs that he want to sell the place and told me to put an offer together and submit it in 30 days. So i hired an appraiser and he appraised the condo. The appraisal cost me $550 and it put this condo at about $156K or something. Armed with the Knowledge I wrote Ryan and I explained what our appraisal said and then made an offer to buy the place. It was clear from the start that he was angry at the offer. He was beside himself. He said the condo was worth $180K at least citing no authority and said he'd go to $170,000 to get it done. Since the place wasn't worth it, I told him that he could take me out of the running to purchase it. Weeks go by then I find out he's hired Hughes Property management to draft a new lease and come inspect the property. I was forwarded a copy of the lease by the charlatans at Hughes and asked to come in and sign. I took one look at this thing and was like, he wants me to leave. Most one sided residential lease ever. I went into Hughes office to go over the lease. I pretended to need additional time to review and got up and left quickly. This slumlord wanted to Jack up the rent from $1,400 to $1,750. He springs this on me on the first day of school so now he thinks I'm stuck and will have to resign. When I made it apparent to him I wasn't signing and that month would be my last. He asked where the rent was, the only time I ever held it back. I told him he'd get laid eventually but I didn't feel like paying him then. He the made some feeble passive aggressive threat to sick the eviction monkeys from Hughes on me! I had to calmly explain I'd be long gone before I was ever evicted. Then on the last day of occupancy, the brain dead people from Hughes came over to inspect. They went upstairs into one of the boys rooms, then called the police and completely fabricated a story about how I neglect my children and they should come over and take a look. They then hurriedly shuffled out of the condo. The police then show up and tried to get all tough with me even though I was the victim. They-muscled their way in to speak with my boys then had to split because they'd been lied to. Ryan Luechtefeld hired a hit squad to take me out. He had Hughes fabricate an abuse lie to tell the police to get MY KIDS TAKEN from me because he didn't like my offer to buy his condo. He's a total sociopath. Warned!

From the owner: Ryan started in the mortgage business in 2004 and came to Delmar Mortgage in 2013. During Ryan's…read moretime in the mortgage industry, Ryan has used his understanding of the business to close over 2000 loans totaling over $500 million and has established himself as one of the most knowledgeable loan originators in our area. He prides himself on this knowledge and spends time every day studying the market along with loan programs and guidelines in order to better serve his clients.

This used to be the best back in the 90s, they are going back in time. I would not recommend this…read morecredit union to nobody. Absolutely nobody. I have been calling for over a to speak they keep telling me every supervisor 24 hours and still nothing.

I would not recommend this bank/credit union even to my worst enemy. They find ways to take your…read moremoney in small increments. For example, I have a few automatic transfers set up each week just in case I forget to transfer funds. Yet, these people continue to charge me $5 transfer fees. So, no sir, no ma'am, I don't recommend this bank/credit union to anyone.

Lindell McKown is , by far, the best mortgage consultant that i have ever worked with…read more As a preferred real estate broker in the Metro-east, I want my clients to have a seamless, non-stressful transaction. Lindell has continuously gone above and beyond to make every one of my clients feel special and fully informed.

Absolutely terrible company in my opinion. Have dealt with them twice, both buying a house and…read moreselling a house. Complete lack of communication constant delays (almost cost us the house from the buyer the first go around). When we saw the buyer went with this company for buying our other house we knew (us and the realtor) this was going to be bad. That came to fruition. Staff is unprofessional. Constantly asking the buyer for documents they already supplied impossible to get a hold of, or answers from. One guy who will remain nameless actually told me to just go ahead and let the contract expire when I called to ask what was taking so long. If I could leave zero stars I would. If you have a choice, I'd avoid this company at all costs. In my opinion they will make an already stressful situation unnecessary worse and probably still leave you without a finished transaction. If anyone has any questions on this review I'd be more than happy to answer them. Buyer and seller beware.

confirmed ofallon il navy federal credit union bank service all my transactions, my account my…read moreproperty all other banks access with my information. i am the owner owner of all my money on my accounts. no one else own nothing that contains to eddie o'neal smiley

Finally a positive experience. After 2 weeks of constant phone calls and emails Jenny and support…read morestaff finally managed to get me a access to phone/online banking. Bravo Zulu ladies. *****