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Reviews for Bud Kline
FBC to the Rescue
I was pre-approved for a mortgage from another lender, but their underwriter changed all that! Anyway, I was down to the wire - sell stock, take the tax hit and pay cash or try to get a mortgage from another lender. Bud Kline and FBC came to my rescue. It was easy-peasy. They just copied the already completed forms from my other lender, they even figured out a way to use the appraisal that I'd already paid for from the other lender. We closed on the property double-quick. Saving me a bundle in taxes PLUS the interest rate was lower than the mortgage for which I originally applied! Thank you so much (particularly Debi M).
Lisa's Tip: Go to FBC first
Conventional 30 Year Fixed Florida
Amazing Service
Bud and the team did a great job helping us out as first time home buyers! We could not have been happier with the service and support the whole team gave us!
Jumbo 7/1 Adjustable Rate Mortgage (ARM) Florida
Satisfied
Very professional and helpful
Thomas's Tip: Be Organized it helps a lot for your processor
Conventional 30 Year Fixed Florida
Satisfied
Very professional and helpful
Thomas's Tip: Be Organized it helps a lot for your processor
Conventional 30 Year Fixed Florida
1993 NE Acapulco
The process was very quick and we closed on time
Donald's Tip: Have all paperwork ready at the time you file your application, that wat you don’t have searching for the documents.
VA 30 Year Fixed Florida
Great Lender and Loan Officer
FBC Mortgage and Bud Kline were great to work with. Made the loan process as efficient as possible. They were quick to respond, got us the terms we wanted, and handled everything electronically. We would highly recommend!
Jumbo 30 Year Fixed Florida
Fbc mortgage rating
The amount of paperwork, the amount of my personal information, and some of the demands were unreasonable.
Conventional 30 Year Fixed Florida
The BEST mortgage broker
Bud was incredibly helpful with explaining different options and helping us select the best choice for our family. He was extremely professional and attentive throughout the entire process and I would recommend him to any individual shopping. I have worked with other mortgage brokers and I am confident he is the only one who could have got this deal done for us.
Conventional 30 Year Fixed Florida
Smooth Easy Process
very professional, answered questions, closed quick
Jumbo 30 Year Fixed Florida
Great service and communication throughout the process!
We were told by many lenders that we couldn't afford what we were looking for, but Bud and Debi found a way to make it all work! There was a minor snafu at closing that wasn't their fault and they worked tirelessly to make it happen. Great service and communications and a financial miracle worker!
Conventional 30 Year Fixed Florida
neal and roslyn wapnish
did not feel confident during the 2nd half of loan review. loan officer did not come to closing even though we requested his presence. felt as if loan officer did not care about us as clients. at times loan officer did not listen to our concerns.
Lender Response
We apologize for your experience with FBC Mortgage, LLC. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage, LLC.Jumbo 30 Year Fixed Florida
Jody Bear
This experience was awesome! Bud was very helpful and knowledgeable. He was always on top of it with whatever was needed.
Conventional 30 Year Fixed Florida
Daniel Kerr
Experience was very positive and professional.
Daniel's Tip: the more prepared you are to provide documentation that is required the smoother and quicker the process will be.
FHA 30 Year Fixed Florida
FL Condo
1). Poor communication skills. 2). Inability to review and analyze financial documents. 3) Had us sign a form--stating we received information on mortgages 30 + days into closing , that we never received. 4). They still were requesting information/documents three days prior to closing.
Lender Response
We apologize for your experience with FBC Mortgage. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage.Conventional 7/1 Adjustable Rate Mortgage (ARM) Florida
Efficiency
I will certainly refer this team to any of my friends. Efficiency is the keyword. This team is quick, efficient and no hidden surprises. If someone wants to close quickly, go for FBC Mortgage LLC.
Conventional 30 Year Fixed Florida
???
Excellent job Not a typical financial statement He got it done He made it seem easy Smooth deal
PETER's Tip: Hire bud
FHA 7/1 Adjustable Rate Mortgage (ARM) Florida
Outstanding Team
Bud and his team were incredible.....they consistently went the extra mile and made what can be a rough experience to a great one......I will recommend them to anyone i know that needs a Mortgage.
Conventional 30 Year Fixed Florida
International buying
Paperwork required for the loan was exhaustive. For some reason the underwriter could not fathom that there are countries in the world that do not operate under the US tax system nor use US dollars as their currency. I suspect the amount of time, conversations, and additional explanations may not have been the fault of the lending company. The administrative assistant at the lending company was attentive, apologetic, and persistent.
Lender Response
We apologize for your experience with FBC Mortgage. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage.Conventional 30 Year Fixed Florida
Renegged on Commitment Letter
-1- TWO days before closing was told that the bank would not lend us the 75% of the purchase price ... said they could only lend us 70% (because of regulations regarding condo reserves.) This was after we received a commitment letter that had no contingency regarding condo reserves. -2- Without notice, they also locked us into a rate higher than we had been discussing. -3- Said they would help make arrangements (introductions) to obtain secondary financing (to cover the unexpected out-of-pocket down payment) ... nothing ever happened and no follow-up was ever done.
Lender Response
We apologize for your experience with FBC Mortgage. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage.Conventional 15 Year Fixed Florida
Local representatives great- underwriters not so efficient
The local rep, Bud Kline, did an excellent job of communicating with me, and buffering some of the ongoing "neediness" of the underwriting department. Bud was professional, responsive, as timely as humanly possible, and ever patient, even while I became frustrated with underwriting. I would have walked away from this loan long ago, had Bud not been involved. This was an unusual loan, as it was conducted from out of the country, and underwriting didn't like either of the legal powers of attorney, drawn up by a Florida lawyer, before setting on a third revision. We had asked, since wires are not instantaneous, and fed ex overnight can take a week, that they make a list of all documents needed up front. Instead, underwriting continued to ask for new documents every other day (it seemed), even up until 2 days before closing. I was also impressed that your company had a very professional representative, Julie Williams, contact me after the fact, to insure that any concerns I had were being addressed. Bud and Julie both were saving graces to considering using this company for a mortgage next time.
STEVEN's Tip: Do something other than FHA loan
FHA 30 Year Fixed Florida
excellent service
We were very pleased with Bud's service from start to finish
Conventional 5/1 Adjustable Rate Mortgage (ARM) Florida
Unbelievable paperwork
I was handling this loan from outside of the country, and even though this was pointed out, and that overnight shipping can take 2-3 weeks, it seems like every day the underwriters asked for a new document. Rather than providing a complete list of all docs needed, which would have made this a simple process, I was given a new request at least every other day, for the entire process. Underwriters asked that money be wired back and forth between accounts, so that they could see it originate in one place, After I told them that this was not going to happen, they came up with a different requirement. It seems that every department at the underwriters is completely isolated from every other department. Hard to believe a business could be run this way.
STEVEN's Tip: Consider a loan where FHA is not involved, and get a commitment from lender to provide a complete list of documents needed, up front. Having to begin a new search for additional paperwork every day is very frustrating
Lender Response
We apologize for your experience with FBC Mortgage. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage.FHA 30 Year Fixed Florida
Great Experience with Refinance
I was referred to Mr Kline by a friend. Having worked with different lenders through the years, Mr Kline was very easy to work with and made the process seamless. We were kept up to date in the process the whole way and never had to call to wonder what was going on. His staff at the office was wonderful. If you need a loan or a refinance this would the only company I would ever use.
Matthew's Tip: Don't waste time with any other person, Mr Kline will give you the facts.
Jumbo 30 Year Fixed
Great service - Worked with me to the end
I was able to get great financing without 20% down, competitive rates, and good/responsive service that gave me the confidence (and the seller confidence) that my deal was going to get done when negotiating terms. This was a tremendous advantage given today's market, and led to me buying the home "right". Thanks to Bud, Debi, and FBC folks.
Kevin's Tip: Be honest about what financing you really want and get your lender to work around your preferences.
Conventional 30 Year Fixed
