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    Total Lending Concepts

    5.0 (1 review)
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    Mortgage services

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    Financial Concepts Mortgage

    Financial Concepts Mortgage

    (2 reviews)

    Great customer service UNTIL closing. I shopped around for home loans and thought I was in good…read morehands. However, there was apparently a mistake on our closing documents and this was not realized by anyone until after closing. Instead of admitting error and simply apologizing, FCM became unresponsive and demanding, up to and including the president of operations. FCM just kept sending us forms, sending us emails, demanding signatures, without any sort of explanation. Several times I reached out, asking for my loan officer to explain the situation to me, without response. Do you want to use a mortgage company that won't return your calls? Do you want to risk having a mistake on your closing documents? If something does happen during the closing process would you expect someone to take accountability? Do you want someone that will answer questions? As a consumer, you have so many options for home loans, that this sort of customer service is absurd. I would pick differently if I had to do it over.

    A realtor referred me to Patti Penry. I filled out the application and all was going well. I was…read moreasked to email my id along with tons of other personal information. I loaded it all in the portal in April 2020. I have followed up with Patti in May and in June just out of curiosity as to the decision that was made to this day, I have not received a return email or phone call. I was pre-approved for 266k through another lender who chose to work with me (and my good credit score)and not judge me based on the color if my ID. That is the only plausible answer as to why I never received an answer or so much as a return phone call. Scout lending and Ryan are wonderful to work with and don't care about the color of your skin.

    Total Lending Concepts - mortgagelenders - Updated May 2026

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