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Shaw Mortgage Group

5.0 (1 review)

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7 years ago

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Vanguard Funding

Vanguard Funding

(7 reviews)

I can't speak for Vanguard Finding in general but Sandra Meskin, who works as a mortgage broker for…read moreVanguard, is fantastic. I guess it depends on who you end up with. Sandra was recommended by my real estate agent having brought many deals to closing as quoted, no bait and switch here. Most importantly for me Sandra answered my numerous questions about just about everything you could think of. She would often reply late at night while I lay awake sweating over LTV, Fixed vs. Jumbo, points, and credit scores. She is also proactive in contacting me where as I've had experiences chasing mortgage brokers to get back to me in a timely manner as required by the deal!

On 2/25/2015, I was contacted by German Concepcion in regards to applying for a mortgage loan. I…read moredid not contact him, he solicited me. After discussing my situation I agreed to apply for a pre-approval. Mr. Concepcion, after being provided with all my documents, quoted me a loan amount of $215, 000 loan 3.5 down (7,000). I agreed to this loan amount. However that very afternoon the first written correspondence I received from him indicated a loan amount of $210,000. I contacted Mr. Concepcion via telephone and he stated that the number did not fit and had to be lowered. I accepted this against my better judgement I should have known at that time that if a person's does not keep their word they have no character. On 2/26/2015, I received my pre-approval letter. It indicated a down payment of ten percent. I contacted Mr. Concepcion to ask him why did the pre-approval state ten percent. This fast talker stated to me that it was just put there because I indicated that I might put ten percent down but that it had nothing to do with the the loan. "Its just there." and does not affect the amount of the loan. He continued to insist to leave it on the pre-approval but I insisted it be removed especially since as he indicated it has nothing to do with my loan. Thankfully this conversation took place in my office via speakerphone. At this time Mr. Concepcion agreed to have it removed. Later in the afternoon he sends me an email and a pre-approval letter indicated a loan amount of $200,000. I contacted him and he states to me because I decided not to put the ten percent down which is not what was agreed upon ( he quoted me 3.5 down (7000) loan amount of $215, 000). Mr. Concepcion lies and states that we discussed the difference between FHA Loans and Conventional Loans. More lies, We actually discussed FHA Loan and VA loans. I wasted two days on someone who apparently had no intentions of being honest and did not give me the benefit of the doubt that among change after change I would not stop to think. This morning I unfortunately had a conversation with his Boss, Michael Mr. Chiffone. Nonchalant, un-apologetic, pretentious are all words that come to mind. My advice is if you find yourself dealing with this company record everything. Dishonesty, bait and switch come to mind. I will also be forwarding my complaint to the Better Business Bureau, The Consumer Complaint Agency, The State Regulatory Board and The Attorney General. I provided personal information and documents that I would not have done otherwise if German Concepcion would not have lied to me.

Mid-Island Mortgage - Another Great Closing at Mid-Island Mortgage with AVP, Sales and Union Business Development, Shawn Dwyer

Mid-Island Mortgage

(24 reviews)

We had such an amazing experience working with Shawn and Mary Lou throughout our mortgage process…read more From start to finish, everything was smooth, stress-free, and handled with care. Shawn was incredibly responsive and thorough--he took the time to answer every question and made sure we understood every step. I learned so much from him and felt confident and supported the entire way. Mary Lou was just as wonderful--she kept my fiancé and me constantly updated and was so kind and encouraging during the whole process. You could tell they both truly cared about making it a positive experience for us. I'm so grateful a colleague referred me to Shawn through NYSUT. We couldn't have asked for a better team to guide us through such an important milestone. Highly recommend!

It was an easy process when we were getting a mortgage through MidIsland but thats where it ended…read more For background, our house is worth about $900,000 and we owe $325,000. So MidIsland still owns our house 4 months ago the house next to us had a fire. Luckily everyone was safe but we had some damage. Our homeowners insurance paid us $80,000 quickly (check made out to us and MidIsland) but MidIsland has been making it very difficult to get the money. First Incorrect information about endorsement of the check delaying us getting any money. then questioning amount insurance paid us (cannot understand why they care) Which delayed almost a month Because adjuster said 76,000 and check was $80,000. Then scheduling inspection appointments to receive more money and not showing up. We are seniors, trying to pay contractor so taking it out of retirement, etc. Would never recommend MidIsland to anyone

Shaw Mortgage Group - mortgagebrokers - Updated May 2026

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