An update. I complained to the BBB and Southeast Mortgage basically acted like it was not their fault and refused to do anything. Their response, above all, shows what kind of business they are. During the BBB process, I learned that Southeast Mortgage waited to order the Condo Questionnaire until February 16, nearly 10 days into the process, and only ONE day before the contingency period closed. In my opinion, this was very negligent. The information needed to determine whether Southeast Mortgage could underwrite the loan was on the Condo Questionnaire, which contains information about the building itself (and not the buyer). Since Southeast Mortgage/Matthew Scout only realized they could not close the loan four days before closing (based on the alleged "non-warrantability" of the building), it seems they failed to examine the Condo Questionnaire closely until then. In addition to inexplicably ordering it so late, this is UNACCEPTABLE. When the mortgage officer Matthew Scout incorrectly and falsely represented there would be no issues with closing, he was probably instead focused on my qualifications as buyer (which is true, there were no issues there) instead of the building's warrantability. Another lender DID successfully close the loan without issue, meaning that there was not an issue with the building or the information on the Condo Questionnaire. The mistake may be that Southeast Mortgage incorrectly thought that the building was a "condotel" since it has a hotel on the first floors. However, under federal mortgage regulations, it is not a condotel because the hotel and condo have completely separate entrances. This was explained to me by the second mortgage company which successfully closed the loan without issue (probably because they knew the distinction). To avoid similar pitfalls, you should always have an experienced mortgage officer, especially when purchasing condos. I know now that condos have have additional underwriting requirements specific to the building and not the buyer. If purchasing a condo, your mortgage officer should get the Condo Questionnaire promptly and wait to order an appraisal until the lender is sure the building qualifies for a loan. I understand things happen in the loan process. But in this case, the errors seemed preventable. Order the Condo Questionnaire timely; when received, review it timely. Know a "condotel" v. non-condotel. And don't make incorrect representations. Apologize when you are wrong and try to make it right -- that's probably the scariest part to me, a business that won't take responsibility. Reading the other reviews here, it seems that this company has left other folks hanging just days before closing. I know mortgage officers manage many files, but it is unacceptable to surprise clients with a few days' notice. read more

I bought my first home last July with Southeast Mortgage and could not be more happy with the decision I made to purchase! I had been on the fence for a few years on whether I wanted to continue renting or to buy. I was nervous about purchasing a home on my own and had spoken with Southeast on many occasions as naturally, I had many questions. They were so helpful and patient with me as I weighed my options. Once I made the decision to move forward with purchasing, I began searching and found a new construction property, but had to wait for it to be finished. Once the house was complete, I was closed in 2 weeks. Southeast Mortgage made the process seamless and enjoyable for me and I am so thankful for the individuals I had working with me through what could have been a stressful process. Full disclosure; I am an employee of Southeast Mortgage. My decision to use Southeast Mortgage was not because I am an employee. I chose Southeast because I see first hand reviews of the service we provide to other clients and it made me comfortable knowing I would be taken care of and was in good hands. read more

With rates so low, I had decided to refinance my home with my current lender as I thought it would be a simple process, after 5 months of still not being able to close and much frustration I reached out to Mr. Isaac Berry with Southeast Mortgage. I had used them to purchase my home four years prior and remembered how smooth the process had been. Mr. Berry is the best in the business, his professionalism and work ethic is like no other. Not only was able to get the refinance done in approximately 4 weeks, but I was able to get a better rate which my prior company had said could not be done. The process was smooth and easy, and aside from submitting documents that were requested, I didn't have to do anything else. Mr. Berry communicated effectively and kept me informed of every step throughout the process. The closing was convenient as I was able to do it from home. I am extremely happy with their service, I've recommended them to my friends, and will use them again in the future. read more

Southeast Mortgage lenders, escrow, and underwriter team did a thorough job helping me get my home. To sum it up, they are a well oiled machine. Nocturnal in nature, I quickly found out, so we're they, Lol!! and I say this with much love, because when I needed a question answered, regardless of the time of day, someone responded. It was incredible. I truly felt Southeast Mortgage took a "proactive" for the customer stance, and I settled in and trusted them. Angela Lane, Executive Mortgage Loan Originator, is one of the most positive people. I didn't expect such dedication, but I have to give credit where credit is due. My broker recommended Angela Lane, and she hit the ground running and did not slow down until we reached the goal of purchasing my home, success! Paige Gardener, Assistant VP, stepped in and kept things moving forward, too. Thank you all for helping me achieve my first home purchase. Please know that my referrals will go towards Southeast Mortgage. read more

My experience with Southeast Mortgage was excellent. My senior loan officer was on point, She filled out all my paper work so all I had to do is sign the documents. She got me approved very quickly, a month before closing because I requested I didn't want any issues that late in the game. I think it just depends on the loan officer more then the actual company. According to everything I've read, if that loan officer pre-approves you then a good loan officer will always close if everything you told them is true., I tried to purchase another home several months ago and it was the worst experience I ever had. They kept over 4000 dollars of my money, then turned around and sold the house for 15,000 more than they quoted me. Southeast Mortgage was refreshing from what I experienced with a loan officer the quit her job in the middle of my loan processing. read more

Southeast Mortgage closes 3,000 loans a year helping buyers enjoy the American Dream. The 7 negative reviews appear to be made up to diminish the oldest Non-Bank Mortgage Company in Georgia. If the reviews were valid, 7 out of 3,000 is a great track record. Two resources verifying high service rating: 59 Reviews: https://www.google.com/search?ei=SHukWoTmMMSYjwT0qK3gBw&q=southeast+mortgage+of+georgia&oq=southeast+mortgage+of+geo&gs_l=psy-ab.1.0.0l2j0i22i30k1j38l5.24065.27108.0.28987.9.8.1.0.0.0.168.869.4j4.8.0....0...1.1.64.psy-ab..0.9.883....0.oSv1XCAsQek#lrd=0x88f5a3415cf1a5b1:0x81cc5405072bdf00,1,,, 70 reviews https://www.zillow.com/lender-profile/Southeast%20Mortgage/ All my family uses Southeast Mortgage and it has great employees that always do the right thing. You cannot do better. read more

My name is Khara. My processor name is Randall March. Let me warn everyone reading this regarding this company.... this man was one of the most amazing, understanding and patience men I've met! I literally called him everyday with text messages ,followed with emojis ( I am a first time homebuyer too) . I was nervous. Being frustrated was an understatement. Every question that I asked he provided an answer, regardless how minute the question was. Even if I needed to ask after his business hours. I thank him. Randall thank you . You still owe a glass of champagne for my house warming. I highly recommend this company & the helping of Randall. Now I would say, please have all of your information together. read more

I had the best experience with Fred Curry of Southeast Mortgage of Georgia. I first called him the weekend of Thanksgiving as our offer on a home was picked by the buyer and we had to move fast. I wasn't too happy with my other lender offers and my real estate agent referred Fred. He was so gracious to get working on my loan and beat out the competing lenders fees by thousands of dollars. He was also able to get me a 2.5% interest rate!! He is so easy to speak with and really listens to you about your financial goals. He is also super responsive and checked in with me every step of the way. I HIGHLY recommend Fred Curry and Southeast Mortgage especially to first-time homebuyers. read more

Randall is excellent at finding the perfect mortgage program for your situation, patient, PROFESSIONAL at all times, knowledgeable, and responsive! Never talks down to you nor with too much industry jargon for you to make sense of what's going on at any particular moment in the pre-qualification, homebuying, and closing process. Very friendly, calm, and easy to speak with. Easy to get a hold of as well. Just do your part to follow his qualification instructions once you are pre-approved and get any needed documents back to him ASAP and he will have you well sorted in time for closing! Thank you! read more

I have always had the best experience when working with SouthEast Mortgage! I love working with Cassie Fuchs! She is very knowledgeable and will pull out all the stops to get us to the closing table! And, unlike banks and credit unions- I can reach her on weekends and evenings. I know I can trust her to be honest and also communicate with me every step of the way until closing day! I have referred a lot of my buyers/clients to Cassie and Southeast Mortgage and we've always been extremely happy!! I can't say enough about a mortgage company and lender that will make it happen!! read more

My husband and I recently used Southeast Mortgage to purchase our first home. We worked with Vernon Chandler and his team and we could not have been happier. Vernon and his team were accessible, helpful and reassuring throughout the entire process. We have heard horror stories about the home buying process, but ours was the complete opposite. From start to finish we closed on our home within 30 days. No hassel, no drama, just good customer service from start to finish. We highly recommend working with Vernon Chandler at Southeast Mortgage. read more

I was a first time homebuyer and honestly heard so many stories about how stressful the process could be.... Well Jamie Bailey and Melanie Richards proved that those stories we completely FALSE!! I had the best people in my corner that anyone could ask for! I've been in my new home for almost two weeks and honestly I shed tears last week because I miss talking to them! These ladies deserve a Noble Peace Prize, A Lifetime Membership to Total Wine, a Yacht and ANYTHING else that their hearts desire! They are MY ANGELS ON EARTH!!! read more

I worked with Southeast mortgage for my last purchase and I worked with Bryant who was awesome! I am so sorry to see such bad reviews because my experience was GREAT! Buying a house is a long and complicated process, any/all questions I had were quickly answered by Bryant and his team. We did have an issue with the closing wire (the original cash to close drastically climbed as we worked through the process and at closing the wire I sent was short ), but I am glad I had the additional funds available to close the deal. read more

I knew I was in good hands the first day I talked to her. Yeme Tegen - my loan originator is an amazing person. She goes above and beyond not only to help but to make me understand every little thing. Always available to answer questions, very enthusiast and caring person. Thank you so much Yeme for your outstanding effort and thorough job it was a pleasure knowing you personally as well. You made buying my first house Seamless. Fulfilled with southeast mortgages and Yeme! read more

My family has used Demetrius Lockett for the last twenty years for over 5 different loan transactions. He was professional in each and everyone of them. Sometimes, in this business, people do not hear the results they want and choose to write a review in retaliation. Please consider this when seeking a professional of any sort. We bought twice and have refinanced 3 times with the Lockett Team. I would recommend them to anyone who would need a home loan. read more

Me and my wife are self-employed business owners and had a few obstacles to overcome that other mortgage companies didn't want to take the time to help with. We were even told No from one. From the first time I spoke with Issac, I could tell he was very intelligent and knew his stuff. He made the process as painless as possible and always kept me in the loop! These are good people! They have my business for life! read more

I will highly recommend any buyers to SEM. I had the pleasure of Jaime Bailey,VP that guided me 110% from start to close. She and her team were BEYOND thorough, respectful, and very PROFESSIONAL. Her team did not ever disclose any financial information to anyone. SEM worked alongside with my realtor as a team. Thank you Southeast Mortgage for guiding me to purchase my first home! And it is a beautiful home. read more

Eric Driver was excellent. He walked my wife and I through the entire process of buying our first home from day one through closing. When things started to get a little sideways due to uncooperative sellers and unsound advice from our realtor, Eric was there to answer any questions and concerns that we had. We definitely recommend Eric and Southeast Mortgage and will use him again when that time comes. read more

I want to say that Todd Littlejohn and his team were EXCELLENT in handling my mortgage. I would highly recommend his entire team as well as Southeast Mortgage. They were professional at all times. Answered all my questions in a timely manner. Provided moral support..lol..when needed! I can't say enough good things about my entire experience with Southeast Mortgage. Mike Nathan read more