If we could go with less than a star, I definitely would have…read more Back in April/May of this year, we were referred to Jen from our Real Estate Agent Geoff Z and with the exception of this referral, all of his referrals have been on point. My wife and I went through the whole process of filling out all the paperwork to apply for a 2nd Mortgage Loan to see if we can get a better rate than the firm that did our 1st mortgage here for our primary home in Chicago. After we did all the paperwork (which is quite lengthy since it includes copies of this and scans of that), we heard crickets from Jennifer and her team. What we did hear from her were causal texts to my wife saying how she busy she was doing interviews for her local TV program, etc. etc. Then we find out one of her team members contact the other firm to inquire about the interest rate they offered us. We ended up going with our original lender since they sharpened their pencil and came up with a clever way to lower our interest rate with a higher downpayment option. I'm writing this review today since I got an email from her asking for my vote for "The Best of Tampa Bay" in the Mortgage category. Heck no. I've shared my experiences with a few people already to stay away.

I couldn't recommend Jennifer even if I wanted to. A lot of her ratings on Google seem skewed as…read moreit's written by a lot of people who have just 1 review or just a few. When we started the lending process with Jennifer, the numbers were hard to read and when we asked her about it, she read it incorrectly to us and when I came back and asked her about it, she corrected herself. It's hard to think that a VP of mortgage cannot read her own numbers. It made the process difficult for us as first time homeowners because we were unsure of what the numbers really were. Her emails were snarky and she is not someone that I could recommend to any friends or family because of her bad attitude. We finally went to Quicken Loans (now Rocket Mortgage) for our lending and that was a much smoother process and more enjoyable experience for us.

I have recently worked with Jim Richards on the purchase of my new home. I have purchased &…read morerefinanced many homes over the years, but would like to say that this was the absolute best experience I have had to date. Jim kept me informed throughout the entire process, the information requests were organized and to a minimum, while giving me the sense of assurance that we were always on track. We were ready to close at least a week before the actual closing date and both of the Realtors were impressed as well. I would recommend WatersEdge Mortgage to my friends and family without reservation.

I just began my process with Jim and am so happy to have someone who listens and responds even when…read moreit's just to tell me he's working on it. This is what a mortgage broker does! Thank you Jim!

Samer responded to my inquiry within hours. He was kind and resourceful. His prompt response alone…read moredemonstrates the kind and resourceful realtor that he is.

RUN, don't walk from this company. Didn't close on time…read more "14 Days to Close" is just a marketing term. Couldn't close mine in 20 days. Worst lender I've ever worked with. Worst communication from a lender I've ever experienced. Didn't answer or respond to over 40 calls, emails, or texts over the course of the week leading up to closing. Crickets from them. When we missed closing deadline, I fired them and closed on the property with cash. Suddenly Jordan and his team starts to call me back when they know they're losing business. Also, it was all from different phone numbers than they had on their website and on their cell phones from the entire process. I tell them I'm going to leave a 1-star review and Jordan tells me he's going to leave ME a 1-star review (which is pretty shocking since I'm not a business) and he threatened me with an attorney if I left a bad review.

Terrible. Hires dishonest appraisers that deflate your property's value. When you prove this to…read morethem even with a recorded call of the appraiser admitting to you they did not inspect your property thoroughly this agency still stops communicating twith you. Truly unfortunate and they forced me to pay $500 for proven lies that ruined my chance at refinancing the property.

RUN, don't walk from this company. Didn't close on time…read more "14 Days to Close" is just a marketing term. Couldn't close mine in 20 days. Worst lender I've ever worked with. Worst communication from a lender I've ever experienced. Didn't answer or respond to over 40 calls, emails, or texts over the course of the week leading up to closing. Crickets from them. When we missed closing deadline, I fired them and closed on the property with cash. Suddenly Jordan and his team starts to call me back when they know they're losing business. Also, it was all from different phone numbers than they had on their website and on their cell phones from the entire process. I tell them I'm going to leave a 1-star review and Jordan tells me he's going to leave ME a 1-star review (which is pretty shocking since I'm not a business) and he threatened me with an attorney if I left a bad review.

Navy Federal has made an auto refinance so difficult for my girlfriend. She applied to refinance…read moreand was out of town visiting family in PR. When she got back she went to the bank and picked up the check to send to Toyota Financial. Then she saw her due date is in 10 days. She called NFCU and the man said he would extend the date out one month. A few days later her due date on the loan never changed and when she called back she got nothing short of absolutely total rudeness and they said you signed the contract, and if you dont like it then you can withdraw the loan and go through the application process again just to have the due date one month from today. I did my loan through PenFed. Much better service. I asked to have my first payment pushed out a week because my car was being delivered to me and they extended it an additional 4 weeks in less than a minute. The choice is clear who im doing business with from now on, Yes to PenFed, heck no to NFCU.

For the most part branch associates are extremely polite and helpful. I did however have an…read moreinteraction with a teller that was a bit strange. I needed a cashiers check generated and after I was told to swipe my debit card he didn't say anything. After a good amount of time passed I asked him if he was waiting on something from me. His response was that he was waiting for me to count the money I was depositing. At that point I felt like I had to take charge of the transaction and lead him. I handed him the cash, asked if he still needed my license or could I put it away. ‍ Additionally every time I visit this branch there is a stench in/outside that smells like a sewer. Lastly, when I went to my car I realized I was parked next to a vehicle in which two young children were climbing in/out of an SUV while the adults they were with were preoccupied at the ATM. Initially I thought the adults weren't aware of what the kids were doing however that theory was quickly debunked. The kids were running back/forth between the SUV and the ATM. So to avoid possibly accident hitting the kids with my vehicle I ended up waiting until they left before I could leave also.

Absolutely awful, Steer clear. They hire the worst appraisers that lie about your property to…read moreartificially deflate its value. Once you prove this to them they cease communication.

The absolute worst mortgage experience EVER! If you are buying a home, they are not your lender…read more They have horrible communication and won't fund your loan at the last minute regardless of submitting all of your information and materials up front. Absolutely awful experience!

I am active duty military, own multiple rental properties, and was purchasing a primary residence…read morefor my family. This can be a very confusing process with the debt to income ratio of my LLC as well as being stationed in California but wanting to buy a house for my family in our state of residence. I worked with 4 different lenders and Heckman Mortgage was the company that fought for me to get the loan while others thought it to be too complicated or couldn't happen. For this, I owe Heckman Mortgage my gratitude for getting me the house I will enjoy for decades to come. Hire them is a must!

Heckman mortgage made our refinance a breeze. They are a pleasure to work with. It wasn't our first…read moregreat experience with them and won't be the last!

We had a very challenging home building experience. A lot of delays and strange situations we were…read morenot used to. Justin and his team were patient and not only understanding, but helped navigate the complexity of the situations. They are very knowledgable, not just with mortgages but with home purchasing. Very responsive too. Cannot recommend them enough!

In today's crazy market you need CPF on your side. You need a team that will advocate for you,…read moreeducate you, fight for you and get the job done! That's exactly what Nick at CPF did for us along with Bianca and the rest of their team. I cannot recommend them enough. With a purchase this big you can't afford (literally) to go with anyone else.

Patrick and Jennifer were outstanding! They were very pleasant and efficient, were exceptional and…read morewent beyond expectations from typical mortgage firms. They even help find the best insurance rates and provided us guidance to keep other expenditures as low as possible. I have already referred them to a colleague.

30 Days or Less!…read more Hands down, the easy and simplest way to buy a House! The Mortgage Firm help me buy and close on my house in less than 30 days. Patrick's team tirelessly burn the midnight oil on many occasions to streamline the buying process. All you need to know if you want a house and you want it fast (especially with interest rates, and availability these days); You go to the Mortgage Firm and ask for Patrick. Go ahead and call them now if your looking for a house.

Jon and his team helped us qualify for our mortgage and we are so grateful to their hard work and…read morededication! I recommend them to anyone looking for a loan officer. I'd give them 6 stars if I could...

I reached out to Jon Howard to help me refinance my home. He and his team were very friendly and…read moreknowledgeable. They made the process very smooth. I would definitely recommend them!