Chelsea Nicole Smith

97% of customers would recommend Chelsea Nicole Smith

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Customer Reviews

4.8 of 5
29 Reviews
Responsiveness 100%
Product met needs 100%
Competitive rate 96%

Reviews for Chelsea Nicole Smith

February 07, 2018 at 12:47 PM
Recommend's Chelsea

Awesome service

Ms. Smith was very helpful through the whole process. There were definitely some hiccups, but that was with subordination and the title section, not with Ms. Smith. Ms. Smith was very informative, answered all my questions in a professional and timely manner, and was extremely patient during this process.

Rose's Tip: A little more communication from the title section to the originator and processor would have been beneficial, as this is where the delays took place.

VA 30 Year Fixed Arizona
Responds quickly
Loan met my needs

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January 31, 2018 at 11:33 AM

Refi

Chelsea made this whole process very simple. I am very organized and have all documents digitally, so when Chelsea sent the list of stuff she needed I emailed it back in a few minutes. From there it was simple.

Chase's Tip: Have all of your documents you normally used for a loan in digital form on your computer. The rest will be simple.

Conventional 30 Year Fixed Arizona
Closed on time
Responds quickly
Loan met my needs

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December 27, 2017 at 6:15 PM
Recommend's Chelsea

Review

A fast process but client needs to understand the amount of work they need to do prior to starting the process.

Erica's Tip: Make a standard checklist list of all paperwork possibly needed. Put on your website to complete when making application.

Jumbo 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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December 20, 2017 at 9:49 AM
Recommend's Chelsea

Refinance

Chelsea Nicole Smith

FHA 30 Year Fixed Colorado
Closed on time
Responds quickly
Loan met my needs

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November 04, 2017 at 1:04 AM
Recommend's Chelsea

Thank you, Chelsea Nicole Smith! You are an example of excellent Customer Service!

We have been part of the FBC family for the past few years, and we absolutely love them! The quality of their customer service has always been way above and beyond our expectations. And they did it again! This time with the Streamlined Refinance opportunity. We had the pleasure to work this amazing program with Chelsea Nicole Smith. Chelsea is the best example of great customer service and professionalism! Thank you Chelsea for all your help! MHD

Other 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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November 03, 2017 at 10:52 AM
Recommend's Chelsea

Review of Services

While everyone was friendly, I was told (the day before closing) that i would have to bring in 1325 to closing because FHA loans will not cover negative escrows. It was money i was not prepared to bring to closing, if i knew in advance that would have helped me prepare for it. Other than that everything was great.

Monique's Tip: Very simple process for the no cash out refi, just rate reduction. Friendly staff.

FHA 30 Year Fixed Florida
Responds quickly
Loan met my needs

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September 26, 2017 at 4:27 PM
Recommend's Chelsea

Very smooth process.

Other than a couple of times of having trouble tracking her down Chelsea was great!

VA 30 Year Fixed Washington
Closed on time
Responds quickly
Loan met my needs

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September 06, 2017 at 9:56 AM
Recommend's Chelsea

Refinance process review

I give this company a 5 star rating for all the work that was put into refinancing my mortgage. They have a very efficient system in place to upload documents, they answer emails very efficiently and they worked very hard to close my loan in less than 30 days. I had to work hard on my end to provide them the documents and information also in order to help make this an efficient process. I highly recommend them for your mortgage needs.

Jefferson's Tip: If you can provide the documents and information when requested they will do whatever it takes to close your loan.

FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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August 29, 2017 at 12:53 PM
Recommend's Chelsea

Great rates

Chelsea was great in answering all our questions as first time home buyers and the rate was great!

Conventional 30 Year Fixed Washington
Closed on time
Responds quickly
Loan met my needs

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August 19, 2017 at 3:43 PM
Recommend's Chelsea

Great, Personal Service

I chatted with Chelsea just so that I could tell myself I had done due diligence, since I already knew I was going with another lender. But after talking to Chelsea and having her explain how everything worked and having her offer me a rate that was better than any I had seen elsewhere, I changed my mind and went with her. It turned out to be a difficult purchase, but Chelsea provided everything I needed along the way, including emotional support :-D I would highly recommend Chelsea and HomeLoansToday to anyone looking for a mortgage.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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August 18, 2017 at 11:17 AM
Recommend's Chelsea

The Best!!!

Chelsea Smith was our loan officer and she was INCREDIBLE! There were times of high drama (not related to Chelsea, but the title company and an insurance agent) and she kept us calm and cool throughout the entire process. We can't thank her enough for all the work she did for us! Devon Pendergraf was our loan processor and she was also fantastic. We would definitely go through Chelsea and Devon again!

Kevin's Tip: Try to pick Chelsea!

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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August 17, 2017 at 8:02 PM
Recommend's Chelsea

Best refinance experience to date!

I almost couldn't believe how easy Chelsea made the process. She was a delight to speak with and very knowledgeable. There was only 1 issue I don't feel I got a good answer/solution to even though I asked about it a couple times, so I'm still in the dark about 1 detail, but other than that, the loan closed and it's a done deal.

Mikko's Tip: Always do your paperwork asap to keep the loan officer and team working on your loan as fast as possible.

Conventional 30 Year Fixed Washington
Closed on time
Responds quickly
Loan met my needs

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August 15, 2017 at 10:41 AM
Recommend's Chelsea

Great customer service

Great experience with loan officers. My only constructive criticism I have to offer is concerning their website for uploading documents for the loan. There is no way to see what you have uploaded to keep track. Not the biggest issue in the world, but if they could fix this it would be helpful.

Jumbo 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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July 26, 2017 at 12:20 PM
Recommend's Chelsea

Would recommend this company!

We had a great experience with this company. Our property did not appraise where it should have been and we were going to walk away, but the lender worked with us on the rate even though our LTV was not where we thought it would be. The entire process went smoothly. I would say my only complaint is that sometimes I would not receive a call back in a timely manner or a call back at all and would have to email for a response. Other than that I was really happy with how things went.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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July 14, 2017 at 11:02 PM
Recommend's Chelsea

Terrific service!

Chelsea was a pleasure to work with and got me a great loan. The process was simple and straightforward, and Chelsea stayed on top of it and kept me updated all along the way!

Conventional 15 Year Fixed Illinois
Closed on time
Responds quickly
Loan met my needs

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June 28, 2017 at 1:43 AM
Recommend's Chelsea

Quick and Easy

Chelsea Smith at FBC Mortgage was so helpful. We wanted to re-finance our loan and everyone we encountered went above and beyond to help us understand the process and make it as stress free as possible. We wanted a quick application process and close in less than 30 days. Chelsea and her team made it happen. All of my questions were quickly answered and communication among the team members was great. No one was left out of the loop. Thank you so much for your help and making the process quick and most of all, easy.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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June 23, 2017 at 4:41 PM
Recommend's Chelsea

Excellent

The entire process was really smooth and Chelsea was awesome to work with. Super responsive and worked hard for us. Very happy.

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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June 14, 2017 at 11:08 PM
Recommend's Chelsea

Glad I got Chelsea

Chelsea called and emailed after I inquired about a refinance loan, and her explanations of how the FBC process worked convinced me that, coupled with the great advertised rate, I should refinance with them. She navigated me through the online document and information gathering process, checked in on a regular basis, and even when she was out of office, left contact information for her manager and colleague so I could get answers.

Conventional 20 Year Fixed Illinois
Closed on time
Responds quickly
Loan met my needs

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May 31, 2017 at 9:55 AM
Recommend's Chelsea

Great!

The process was easy and everything was done with time to spare before closing. At the closing my attorney commented on what a great rate we got.

Conventional 30 Year Fixed Illinois
Closed on time
Responds quickly
Loan met my needs

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May 24, 2017 at 2:32 PM
Recommend's Chelsea

OUTSTANDING!

Chelsea gave me a timeline and she delivered! I am still in awe at how fast my refinance took to complete. Will definitely consider them again in the future!

Vladimir's Tip: This is a two-way street. To avoid delays, be prepared to have your documents as requested.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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May 24, 2017 at 2:17 PM
Recommend's Chelsea

great

Thank you for the exceptional service

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

Share  
May 16, 2017 at 1:39 AM
Recommend's Chelsea

Unparalleled service

I was stuck in my mortgage with one of the worst financial companies in the country after the 2008 financial meltdown for 7 years. Around April my wife asked me tried to refinance our house out from the mortgage company that we had been stuck forever. I did some online researches and found FBC mortgage. I decided to give it a try and I contacted Chelsea and she was very honest and upfront by telling me that the real rate base on my credit score. For sure, all the mortgage companies that I contacted and none of them came close to what Chelsea quoted me. She and her team are very proactive and supporting along the way in my application process. She even took my case all the way to the upper management to have the obstacle resolved. After all, my final rate came out lower than what she quoted me first because of the obstacle that she worked so hard to resolved it for me. In a nutshell, I have not met any mortgage agent that worked so hard and diligently helping his/her customer! Both my wife and I felt very grateful that worked with her and her team to have out application started all the way to closed. I definitely will refer her to whoever need to refinance or getting a new mortgage!

GEE's Tip: It is a team work and sometime you just need to work a bit harder! FBC will help to reach your goal!

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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May 03, 2017 at 12:06 PM
Recommend's Chelsea

Easy process

Chelsea was very responsive and easy to work with.

Conventional Washington
Responds quickly
Loan met my needs

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May 01, 2017 at 4:20 PM
Recommend's Chelsea

Best in Class Customer Service

Chelsea came highly recommended from my brother and I couldn't have asked for someone better to walk me through my first home purchase! Friendly, professional and responsive, Chelsea made me feel at ease through what could've been a highly stressful experience. she was far from the rest (we shopped around for rates but found that many loan officers are more interested in closing the deal rather than helping you get through a complicated process). I Look forward to working with Chelsea again in the future!

Itien's Tip: If you are looking for someone who is honest, can deliver on the service, will go to bat for you and make you feel good through the whole process, go with Chelsea.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

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May 01, 2017 at 4:19 PM
Recommend's Chelsea

Best in Class Customer Service

Chelsea came highly recommended from my brother and I couldn't have asked for someone better to walk me through my first home purchase! Friendly, professional and responsive, Chelsea made me feel at ease through what could've been a highly stressful experience. she was far from the rest (we shopped around for rates but found that many loan officers are more interested in closing the deal rather than helping you get through a complicated process). I Look forward to working with Chelsea again in the future!

Itien's Tip: If you are looking for someone who is honest, can deliver on the service, will go to bat for you and make you feel good through the whole process, go with Chelsea.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

Share  
April 19, 2017 at 1:54 PM
Recommend's Chelsea

Professional and Informative

It was a pleasure to work with Chelsea. She was professional and informative. The process was simple and my refinance closed quickly.

Conventional 30 Year Fixed California
Closed on time
Responds quickly
Loan met my needs

Share  
March 31, 2017 at 2:21 PM
Recommend's Chelsea

Ok, but nightmare of a processor

Chelsea is very amicable. When I originally spoke to her, I had full confidence that everything would be smooth. It was my first home purchase and it was a bit naive to think that way. Initially, after all the documents were requested, I sent them over. Never heard back and assumed that everything was okay. Less than a week before closing, I start getting a barrage of e-mails of missing documents and how all documents were not wet-signed. I was not told everything needed to be wet-signed so I e-signed everything. No documents were checked until days before closing. The days leading up to closing, I constantly called Chelsea and Bonnie (the processor) to find out how much I had to wire for the down payment. I only had an estimate, but no one could figure out how much the exact amount was. On closing, I sent over more than what was expected to cover any unexpected costs. We obviously closed late since things weren't ready. After closing, I didn't hear anything from anyone except my realtor. I didn't know how much I needed to pay per month, who to pay it to, when to pay it. Closing was a mess and it honestly was a terrible experience for my first time buying a home. Chelsea was fine, but if you get Bonnie the loan processor, ask for a change right away. Only reason it was above 1 star was because Chelsea got me a great rate.

FHA 30 Year Fixed Washington
Responds quickly
Loan met my needs

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March 01, 2017 at 5:59 PM
Recommend's Chelsea

Great service

It was a complex very unusual loan and they did a great job problem solving and working with me.

Conventional 30 Year Fixed Illinois
Responds quickly
Loan met my needs

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February 09, 2017 at 3:40 PM
Recommend's Chelsea

Fast and precise

Most competitive rate and fees, WITH great service. My file was assigned to a processor in a half day and underwritten in less than a day. I've been in lending for over 10 years and I was impressed.

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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