This is a total bait & switch company. They advertise no closing costs but they don't tell you…read moreupfront about the discount points/fees they add on until the end. I went through all that hassle of providing all my info and having them pull my credit just to say I'm not going to pay $12,000 in discount points. That's where they get you. I told the loan officer I didn't want points upfront and I guess it went in one ear and out the other ear. The other negative is that you can only make one payment per month so no option for biweekly payments or if you want to add in an extra payment. It has to be in one payment a month. The customer service here is not friendly. The loan officer I got is very old school. Kept referring to coupons instead of statements. Everything is done online now. I don't keep papers of anything except my W2. Anyways this company wasted my time. Beware before you go with them

I feel obligated to give 2 stars because the fact is that RP got me the best rate on my refinance,…read morebut if it was even close to another company, I would have gone with someone else. I absolutely hated giving my business and money to these people. Called RP originally looking to refinance my mortgage once interest rates had gone down and values in my neighborhood had gone up. We thought we could eliminate mortgage insurance at this point. I had called RP for my original mortgage, but purchase mortgages are not their specialty and they didn't offer us the best deal. Broker was pleasant though and suggested I call when we're ready to refi, so I did. This time, Joey Marmo was our assigned broker. My dealings with Joey made me feel dirty. It was only marginally better than buying a car. The experience was miserable. Every time I asked a question, I got run around answers or vague answers until I asked the same question for the second or third time, angry and frustrated. He would repeatedly tell me that their deal was better than another, but not explain. For example, we had to bring some cash to closing to eliminate mortgage insurance because our appraisal screwed us, but I thought I found a better deal which clearly showed a lower cash to close. However, when I sent it to Joey, his only response was, "their deal is inferior, our loan costs are X, and in the interest of time, we're through discussing this. If you want to close, contact..." I understand his frustration to a degree - it was the 11th hour - but rather than explain how their costs were lower but the other company's cash to close was lower, he left it alone and then didn't answer me when I asked for his help understanding the discrepancy. Turns out the other company greatly understated the estimated payoff of my existing mortgage, which is how they were able to manipulate the cash to close number, but it took an hour of comparing line items to figure that out when Joey could have taken 2 seconds to explain it instead of being a slime about it. Also, his frustration wasn't fair considering throughout the underwriting process, I asked for specific numbers - monthly payment, cash to close, etc - and he repeatedly told me I had to wait for the closing disclosure for that info. So, to get upset with me when I continued to ask for the information I needed and you continued to brush me off isn't fair or professional. He actually said he wish I brought up the cash to close issue in the 5th inning instead of the bottom of the 9th when he was the one telling me for weeks I had to wait until the 9th inning for the info I needed. Finally, even the way they do business is a bit sleazy. While they did have the best numbers in the end, they had the highest origination fee by far. However, they make it up by giving a lender credit. So, kind of like a store that jacks up their prices before putting things on sale, they have outrageously high origination fees just so they can look like their giving you a great deal on the back end. Would be clearer and more straight forward to simply cut your origination fee to a more reasonable amount. Anyway, like I said, it was all about the numbers and RP was the best, so you should probably give them a chance. But if you're connected to Joey, ask for someone else, and be prepared for a bad experience to get the best numbers. Would have rather given my money and the commission to someone else, but to be fair, a friend helped me with my original mortgage and he ended up screwing me in the end, so I guess it's just an industry of sleaze.

Orlando Financial Center was my third stop on my refinance journey and I don't mind saying that I…read moremade a mistake going anywhere else first. Everyone else I had dealt with was untrustworthy and unprofessional (bait and switching rates, adding fees, etc.) Then I met Nancy. Nancy and her team were all equally delightful, super responsive and did their best to get me the best rate while making the process easy and painless. My full time job isn't to refinance my home and they understand that. Whether it was email, phone or in-person, Nancy and her team understand quality service. I'll be back and I will gladly refer everyone here. Thank you!

Nancy with Orlando Financial was extremely helpful and we were fortunate to work with her. She…read morereally walked us through every step of the way. She was honest, detailed, and kind. She made sure we understood all the paperwork coming our way. She offered her suggestions and provided tips along the way. Not only that, she was constantly in communication with clear and concise information. Buying a new home can be stressful, but she really made the process that much simpler. I would highly recommend working with her again and plan to refer her to friends and family in the future. Thank you again for ALL you did!!

Shahram is sharp and exceptionally talented. He is spot-on in his recommendations for what was…read morebest for my situation...and I have engaged Shahram several times for real estate deals. He provides clear & timely communication. He is thorough, helpful and very professional. Shahram goes above and beyond and he will keep you updated without having to ever ask. Go ahead and compare his offers against other companies - he will beat the others hands down.

Working with Shahram was incredible. Shahram was able to close a tough loan within two weeks and…read moreheld my hand throughout the process, even when a glitch presented itself at closing Shahram was there and took care of everything. I could not have asked for a more professional, on task individual. Got the best loan rate and even assisted in home insurance at an incredibly low rate. Shahram is very knowledegable, understanding and professional. I value his honesty and integrity. Thank you for such a great job Shahram and all of you help.

We mainly worked with Crystal and she was absolutely amazing! Any questions that we had (even if i…read morefelt they were simple or even stupid) she would answer them with a smile on her face. Her communication was outstanding as well. So happy we went with Bruce's Team

Bought my first home through Bruce and his team! They were absolutely amazing! They were always…read morethere to answer any questions I had and walked me through every step of the process! I can't say enough good things about them!

Kellie made what could have been a stressful situation an absolute breeze. She is so knowledgeable…read moreand has tremendous tips that helped maximize my home buying power and also kept my best interests in mind. I couldn't recommend her more!

Kellie did a great job for us- kept working on what was a difficult refinance and got great results…read morethat our business banking relationship could not get done-

I can't even begin to explain how helpful Nathaniel was throughout this entire moving/financing…read moreprocess. He was very optimistic, patient, took the time to answer any of our questions/doubts, and always responded quickly. He laid things out clearly for us in a simplified manner, and had we worked with anyone else I'm 100% sure they could not have been more helpful than Nathaniel was to us. Go to him for all your housing needs! If he is still in business the next time we buy a house, there is no doubt we will use him again.

From the owner: We specialize in any type of home loan a consumer may need and have products that are 100%…read morefinancing, rehab loans, FHA/VA, Fannie Mae, and a suite of Non-QM products. Everyone deserves to own a home and we can make that happen.

Worst experience ever from the loan officer Kevin Murphy. He and his staff would confirm 1 date…read morethen change it the day before. We ended up with three different closing dates, only good thing was the sellers allowed us to extend the extra month Waterstone took. From the application, to dates given to the final paperwork for esign having the wrong access phone number incorrect for my wife. If it was not for the fact that we where so committed after the first month we should have went somewhere else. Please don't use Kevin Murphy as he says one thing with a smile then it ends up being something else. He should be a used car salesman no not even at least they have morals

Dustin Owen and his team at Waterstone Mortgage were AMAZING! We were first time home buyers new to…read morethe area. He worked seamlessly with our realtors and was always available when I needed him (if he didn't answer his phone, he'd respond to an email within the hour). He was able to resolve issues with the realtor before I even realized there was an issue. As the only other reviewer said, they send short video clips explaining each step of the process and these were invaluable to a new home owner. I keep referring him to friends and coworkers. It will be 2 years next month that we closed on our first home. Almost all of the thanks goes to Dustin and his team at Waterstone Mortgage!

Customer service is spot on!! The closing was painless with…read moreNO last minute surprises, they answered all of my questions in a very timely manner. This was my 9th house to buy and buy far the best from start to finish. Great team!!

The absolutely worse company I've ever dealt with. We were ready to close and this is after we…read moreshelled out 2000.00 for survey appraisal inspection thought we good to go oh no the porch needs to be inspected I knew2it would fail but they went ahead with the survey when I said let's what and see what happens with the porch it failed financing was denied2and their buddy got his 450.00 out of us. Looking for insurance their 'recommended company was 2100.00 I found insurance o. My own for 1075.00 . I honestly think it's a big scam company but I'm sure they are getting kickbacks from all the companies they use . Ns

Kiel is my go-to lender for all my real estate clients, and I also relied on him for my personal…read moretransaction. When other loan officers left me frustrated and disheartened with impossible demands, Kiel promised to find a solution. Thanks to his dedication, I am confident that all my clients are in excellent hands when they work with Kiel. He is informative, thorough, and always goes the extra mile. It takes a team to achieve success, and I love being part of that team with Kiel. Highly recommended!

Stephanie was quick to respond to schedule an appointment for notary services. She went out of her…read moreway to make it easy for us to get the documents executed. Will definitely use her again when needed, and would recommend her to anyone needing notary services. While we met at her office, she said that she also does mobile notary.

I was emailed some last minute paperwork from my job for a travel position that needed to be…read morenotarized fairly quickly. Stephanie was more than accommodating in making sure I got everything that I needed all while being quick & accurate. Friendly, efficient, reliable & professional service. Definitely recommend.