The entire process was laborious but understandable with the number of crooks and scams going on in…read morethis country information given to me was to the point and timely. Amerisave supporting cast paid attention to detail and performed well. Thanks for your efforts.

My experience with AmeriSave involved a loan process that took approximately 90 days, and my main…read moreconcerns were the changes in discount points, the clarity of the pricing disclosures, and the length of the overall process. When I initially proceeded with the loan, the June 30, 2026 Loan Estimate showed 2.473% in discount points, or approximately $2,329, along with a $500 lock fee. I proceeded based on that pricing. During the process, the discount points later increased to 4.032%, or approximately $4,011.93. After I raised a complaint about the change, the points were subsequently reduced to 3.597%, or $3,578.60, on the final September 23, 2026 Closing Disclosure. While I appreciated the subsequent reduction, the final points were still approximately $1,249.60 higher than the points reflected in the original June 30 disclosure. My primary concern was not simply that the loan terms changed during the process, but that I did not receive a clear explanation of why the discount points changed so significantly. I also did not have a clear understanding, when I paid the $500 lock fee, of the conditions governing how the fee would be treated if the loan pricing or terms subsequently changed. The approximately 90-day processing time also made the experience more difficult, particularly because the pricing changed during the process. I recommend that prospective borrowers carefully review each Loan Estimate and Closing Disclosure, ask for written explanations of any changes in points or fees, and make sure they fully understand the terms associated with any lock fee before proceeding. This review reflects my personal experience and the loan documents I received during the transaction.

Buying a house can be very stressful or pleasant. Mister Soern made sure my experience was very…read moresmooth as much as possible. He took the time, patiently, explaining the whole process -and it is a big one- but soo worth it!! With his explanatory emails and phone calls advising step by step what was about to occur and anticipating on what and how is it done the entire application and whole documentation needed, helped me with anxiety and deal with it getting things done correctly and timely. I would DEFINITELY referral him to friends, family and whoever would like to buy a house.

We were looking to refinance our home in Roswell. We got quotes from about 3 other companies and…read moreDamian with Assurance Financial was the best overall. Damian listens to you and is not high pressure at all. He was very quick to respond to any questions and got us a good rate and we settled with 30 days. Damian was also able to get the appraisal waived! I highly recommend Damian and Assurance Financial.

Paul and Ainsley were amazing to work with on purchasing our first home. We got a great rate and…read morethey were extremely responsive with every question we had. You can tell they are experts at what they do and are a pleasure to work with.

My husband and I are so glad we found Paul! We took lender recommendations from our Realtor, as…read morewell as, searched Google and Yelp and shopped around for rates. Paul was able to beat the best rate considerably. As first time homebuyers, we were a nervous about the financing process, but Paul made it incredibly smooth. He walked us through all of the documentation we would need, was very organized and responded to all communication quickly. With how competitive the market is right now, we felt it was vital to work with a lender that could move quickly and ensure the closing process wasn't delayed, and for that reason, we would highly recommend working with Paul.

Roll out the red carpet because the Moreira Team has made my cross-country move from Washington…read moreState to Georgia feel like a breeze! So there I was, almost settling for a 'meh' mortgage deal--$400K, 20% down, and a steep 7.45% interest rate. I decided to have a second opinion and Found Moreira Team with so many great reviews, so I decided to contact them. Enter Lucky, my mortgage matchmaker. Within half an hour (no joke!), he rang me back with a deal that had my jaw dropping: $470K approved, just 3.5% down, and a 6.75% interest rate! But wait, there's more: The team had a cherry on top: They referred me to a superb Realtor named Catherine, who gave me a grand tour of Georgia homes. From there, Taylor and Amanda whisked through the paperwork, ensuring everything was ready in two weeks. For a first-time homebuyer, they turned what could've been a daunting drama into a smooth, feel-good experience. I'm so happy I found them! So if you're in the market for a great mortgage team, look no further. This team is the best!

I found Moreira Team through all the reviews here, and they were right. From the time I first…read morereached out to them more than a year ago to when I finally found a house this year, they were communicative, responsive, and honest. They worked so fast to help me meet the seller's request for a more accelerated closing period, and throughout the process I always knew what was happening and what I needed to do next. Highly recommend them.

This company loves to have their cake and eat it too…read more You sent them docs week in advance, then the day before closing they come back with a bunch of arbitrary requests, many of which could have been easily handled earlier in the process with proper screening. Stay away!

I applied for a DSCR refinance on a rental property in Perry, GA through Lima One Capital. From the…read morestart, I was told their minimum loan amount was $125k, and my target was $140k with a Zillow estimate of $154k -- well within range. After a month of submitting documents, providing insurance documentation, and going through the full application process, their appraiser came in at $120k -- $5k below their own minimum. Rather than communicate this promptly, it took them an additional week to inform me they would not be moving forward. I submitted a formal Reconsideration of Value with five comparable sales supporting a higher value, including properties of the same type selling between $135k-$214k in the same market. The ROV was denied without meaningful explanation. The appraiser used a C4 property that they gross adjusted 48% as a comp. The experience resulted in a hard credit inquiry, appraisal fees, insurance policy modifications, and a month of lost time -- all for a deal that should have been flagged much earlier in the process. If you are investing in affordable markets where loan amounts may be near their minimum threshold, I would recommend thoroughly vetting Lima One's appetite for your deal size before engaging.

Michael and his team was and is OUTSTANDING, I will be forever thankful to the team for making my…read moredreams of home ownership come true. If you are planning on buy to a home don't second guess yourself Michael and his team is the place for you.

Amy is the GOAT. She is informative, collaborative, and has strong communication, so you know…read morewhat's happening every step of the way. There is teamwork, and the team Amy has is bar none the best of the best. Amy has some much time, experience, and wisdom, so she takes the stress out of buying a home, and providing all the right options for ownership. We've used Amy multiple times, and that will continue, as long as Amy is working in this industry.

Patience is a virtue with NFCU as they are making darn sure the Social Distancing mandates are met…read moreto a T. Only three customers are allowed inside the branch at a time. The intake process consists of your name being added to the Wait List, what type of vehicle you are driving & that you wait accordingly until it's your time to go inside the branch. Edwin the Doorkeeper was friendly, attentive & welcoming as he navigated the long line of customers. As a whole, the customer service is quick (once inside) & efficient across the board. They have complimentary Hand Sanitizer & Facemasks on deck.

I love this banking institution! All the employees have provided great service to me. The tellers…read moreinside the credit union (real courteous people!) are professional and efficient. I don't write many checks, so I'm extremely pleased that the tellers will print out checks for me for free.

Thank you BrightPath & Yaz Smith for a nearly painless mortgage application process! Yaz was…read moreespecially responsive and made certain we were updated and that we had ample time to submit the required paperwork and documentation - so much so we were able to close escrow a full TWO WEEKS ahead of our initial scheduled date!! We highly recommend working with Yaz - and we've already sent him a couple of referrals!

Stay way. Multiple attempts to contact them have led to no follow-up, yet I still get…read moreCRM-generated e-mails asking me why I haven't responded. I have responded to several of them, no follow-up from Steve Tomlinson. If you are assigned him, run. There are many firms out there that are more responsive and have their act together. Go to a firm that cares.

If you want a mortgage broker who will be right by your side through the entire process, you should…read morecontact Nicole Ward. I worked with Nicole throughout 2016 through several offers on properties that I was outbid on. She did not lose patience with me and continued to stay on top of things throughout the process until we had a home under contract and closed. Not only is she super-responsive, she is also extremely knowledgeable about her field. Looking forward to working with her again on the next one! Thank you Nicole!

Nicole has been instrumental in all my mortgages and refi's. She has guided my every step and I…read morehave wholeheartedly relied on her for everything. She is intelligent, acts with urgency, has great follow-up and I could not image ever using anyone else to be my mortgage partner. Thanks for all the great service Nicole, you are appreciated. Lori Perrotti

Ms.Caaaaaandace!!! OMG! I can't believe I get to finally write this review about this amazing…read moreagent. From start to finish, there was so much attention to detail of what I wanted and strategies on and how to actually get a house in this crazy sellers market. I called Candace after I decided to fire my initial agent and I'm so very happy I did. I am a California resident seeking to move across the country, and the agent before didn't seem to navigate that well and dropped the ball a few too many times. Even tried to convince me of bending the things I wanted in my home and I almost did...Not Candace though! As soon as I contacted her, she forwarded me her email to send her my list of what I wanted and the listings of a few houses that I loved, but I lost out on dealing with my prior agent *ugh*. Within a few days, I received emails of homes that actually fit or was close to the profile of what I was looking for. It was so easy to communicate with her and she actually understood what I wanted. I don't think she sent me one house that didn't have elements of the style home I desired. She always made me feel like I was a priority even though I know she's so very busy! Whenever I said I liked a house, she was right on going to tour it within a day and sent me videos. Being in a different state, this was very helpful. When it seemed like we found a few promising houses, I booked my flight to see them. The first time I flew out, my offer wasn't accepted as the primary buyer and she was so bummed along with me. She truly cared about me getting my dream home. During the tours, she would actually listen to some of the little comments I'd say of things I liked and didn't. For example, I like bright houses with open floor plans and windows above my tubs to welcome moonlight. My list was much longer, but hear me out. In Atlanta, many houses are closed off and do not welcome much natural light, so keep in mind that my non-negotiable wants were RARE. I remember her sending me a video and pointing out a perfectly placed bathroom window so I can "bathe under the moon" LMAO. She had me cracking up and I knew that I chose the perfect agent just in that moment. I am now laying blissfully on a air mattress from a local target in my new home we closed on 3 days ago that has the most beautiful layout, huge windows with endless natural light, local to my favorite stores, in a great neighborhood, and perfectly placed window above my muh flipping tub! I don't even want to go back to Cali to pick up my stuff lol! Totally about to push my flight back after this review is done. *Clears throat* Yay! We did it! It was a bumpy underwriting process, but she was always there to listen to me rant as a friend and advocate on my behalf when I didn't want to ruffle feathers. She was always fighting and in my corner. If it wasn't for this woman and her going to bat for me every step of this process, I would've went nuts or given up. There's so much I can say, but this review has gotten long really quickly lol. I wouldn't have this beautiful home if it wasn't for Ms. Candace Willis. We are LOCKED IN! Thank you so much. I hope you're enjoying your post closing vacation. You absolutely deserve it and knowing you, you're probably still working. Oh and Yes...... She is the right agent for you. Duh!

Well this review is long over due . I don't believe words alone can express the compassion and…read moreresilience Candace had when supporting and holding my hand as she promised in helping me find my first home. As many home owners know , the process is quite overwhelming and as easy as it seem to just throw in the towel , the wait and stress may just be worth it . Candace was quite patient and diligent when helping me search for a home . I never felt rushed or as If I was just another client . I felt that my voice was heard and valued and there was never any pressure . Candace I truly genuinely appreciate and thank you for your service and flexibility with me. Please keep in touch