Debra Ellen Clark

85% of customers would recommend Debra Ellen Clark

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Customer Reviews

4.2 of 5
53 Reviews
Responsiveness 83%
Product met needs 96%
Competitive rate 81%

Reviews for Debra Ellen Clark

29 days ago at 1:05 PM
Recommend's Debra

Thanks, a stressful undertaking which turned out well.

At one point, after sending and resending via email various pieces of required information (which sometimes was difficult to obtain) I remarked to Krissy Osborn that this process could replace waterboarding! In the end it all worked out and we are pleased. I wish we been doing this when the interest rate was lower but that is just how the market goes. Debra Clark and Krissy Osborn were the persons we worked with the most and they both worked hard to do their best for us. Debra helped us get a better interest rate than we might have if she hadn't helped us. Everyone we worked with was very helpful in this confusing and time-consuming process. Thanks much.

Charles's Tip: Try to understand fully what the mortgage officers are asking of you so that you don't have to do your part over and over.

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

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June 02, 2018 at 11:32 AM
Recommend's Debra

No Hassle

This was the most informative, polite and easy to work with lender I have ever used.

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

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May 03, 2018 at 11:58 AM
Recommend's Debra

Excellent customer service

Debra Ellen Clark was so responsive to any request or question we needed answered. She must work day and night!

June's Tip: Be prepared to use their website to upload documents and make sure your all in one printer/scanner/copier is in working order because you will use it a lot. Ours was packed away.

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

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April 20, 2018 at 11:30 AM
Recommend's Debra

I bought a Model Home!

It was a lot of work to quality for my home. I felt like the whole team was rooting for me!

Lorraine's Tip: I work better off a check list from one contact person.

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

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April 07, 2018 at 9:24 PM
Recommend's Debra

FBC Mortage Review

My experience with FBC was bitter sweet. Reason being, is because my husband and I were 1st time home buyers and most of the language seemed like jargon to us and we were so new to EVERYTHING. I was grateful for the open communication with Debra, Krissy and Tina. Debra was always responsive and readily available by email and all times of the day which we appreciated because we were able to communicate quick and effective. Debra worked hard and was very patient with us throughout it all.

Yanela's Tip: Ask questions, be patient, and don't get frustrated because though they may seem like they are ignoring you, it the complete opposite and they are working your file.

Conventional 30 Year Fixed Florida
Responds quickly
Loan met my needs

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March 16, 2018 at 9:21 AM
Recommend's Debra

Great experience

I am a fist time homebuyer and I was very nervous about the whole process. I had a million questions before I even applied. All of my questions and concerns were addressed. Debra Communicated with me at all times and kept me up to date with the process step by step. She even communicated with me after hours and on weekends which was great ! She responded to my emails very quickly no matter what time of day or night it was !! This has been an amazing experience and I could not have gotten through this if it weren’t for her help!!! Thank you FBC and Debra for all of your help!!! The experience was great !

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

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March 10, 2018 at 12:53 PM

I dont reccoment FBC Financial

My husband and I were first time home buyers going into this process with little to no information on the home buying/building loan process. Although we were naïve in the loan field, it is clear now that this process shouldn't have been as frustrating and difficult as it was. We had a ton of help from out relators, thank God, because the loan company did nothing for us. The communication, if you want to call it that, was terrible and nothing was ever explained well. I repeatedly sent documents to multiple different people they asked for and apparently lost. Through the whole process, we dealt with multiple different people to the point of confusion on who was handling our loan. There were two separate occasions during our process, that we were sent other customers loan information to include sensitive information. My husband and I were put in multiple different loan types that we didn't qualify for, which our relators had to point out to us and delayed closing. Every version of our loan estimate had inconsistent numbers to include the Alta on our day of closing. When we were finally put in the loan program that we qualified for and was in our best interest (a week before our first closing date) our loan officer failed to immediately lock in our interest rate. The delay in locking in the rate resulted in a higher interest rate a few days later that costs us a recognizably amount of difference on our monthly payment that ultimately could have been avoided. After the interest rate lock mess up, we decided to reach out to the manager, who was mistakenly looking at someone else’s loan, confusing us even more. No sort of responsibility or resolution was offered to us, leaving us with a complete lack of confidence in FBC. It appeared as if FBC didn’t care and failed to assist their customer in this situation. Their lack of organization and communication on our loan caused a complete headache. I wouldn’t recommend FBC.

Megan's Tip: Be prepared to do your own research on loan programs because they are not helpful.

Lender Response
We apologize for any inconvenience you may have encountered with FBC Mortgage, LLC. Our goal is to provide the highest level of customer satisfaction. Due to the complex nature of your loan program, we are required to ask for many documents that are submitted to multiple levels. If FBC was trying to figure out the best loan program, it may take multiple attempts. If there was a duplicate request, we regret this miscommunication. We will use this experience as a training opportunity for our company.
Conventional 30 Year Fixed Florida

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January 03, 2018 at 10:48 AM
Recommend's Debra

Great experiance

Debra was amazing, she was straight to the point with what was needed for loan, and got everything done in time to meet the closing dead line.

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

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January 03, 2018 at 10:41 AM
Recommend's Debra

review

I would like to thank Debra Ellen Clark for being so patient with us. she went above and beyond to make sure our closing was a success. also her team was awesome

William's Tip: ask for Debra Ellen Clark and you will not be sorry.

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

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November 30, 2017 at 4:46 AM
Recommend's Debra

Review

Very supportive and excellent communication.

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

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November 13, 2017 at 7:46 AM
Recommend's Debra

Wilms

Satisfied with the process

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

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November 09, 2017 at 2:29 PM

Never again

My loan officer was unresponsive, ignored queries and actually a bit snotty in her replies a few times.

Barry's Tip: Use anyone else

Lender Response
We apologize for any inconvenience you may have encountered with FBC Mortgage, LLC. Our goal is to provide the highest level of customer satisfaction. Due to the complex nature between your loan program and Builder, we are required to be in regular communication with all parties. The relationship we share with the Builder and borrower is extremely valuable. We will use this experience as a training opportunity for our company.
Conventional 30 Year Fixed Florida
Closed on time
Loan met my needs

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November 02, 2017 at 9:16 PM
Recommend's Debra

Home loan

Good customer service

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

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October 25, 2017 at 9:22 AM
Recommend's Debra

First Time Home Owner

Good Experience. I was never left in the dark, Things moved quickly and Promptly. I would use their services over and over again.

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

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September 30, 2017 at 8:44 AM
Recommend's Debra

Excellent service

The people at FBC, work as a team to get the job done, all are very courteous, and work very are for customer. Highly recommend!

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

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August 30, 2017 at 2:58 PM
Recommend's Debra

Everyone involved was pleasant to work with.

A lot of information was needed and some of the information felt a little repetitive. All and all it was a painless process. Thank you!

Michael's Tip: Just make sure have access to all your financial records and tax returns for a couple of years.

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

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July 05, 2017 at 5:38 PM
Recommend's Debra

Well done

No additional information

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

Share  
July 05, 2017 at 10:29 AM
Recommend's Debra

Experience

My loan officer was very prompt, she explained things well and was very communicative.

Sandra's Tip: Ask questions

Conventional 30 Year Fixed Florida
Responds quickly
Loan met my needs

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June 09, 2017 at 9:01 PM
Recommend's Debra

Thank You

Debra was very helpful and knowledgeable. She was very efficient at answering all our questions. I wish to thank Debra for all her hard work.

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

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June 01, 2017 at 2:42 PM
Recommend's Debra

Mortage

Satisfied with everything. I would recommend FBC again.

Michael's Tip: Have lots of banking info ready

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

Share  
May 23, 2017 at 12:49 PM

Less than stellar

I went with FBC because it was supposed to eliminate closing costs when buying our Maronda home. The experience was terrible. Debra Clark was our loan officer and has poor communication skills. She did not provide timely call back and had a hard time responding to more than one question in an email. When she did answer a question she talked in Lender speak, not in layman's terms, especially when discussing a lock rate. We were not provided a cash to close until 2 hours prior to closing, which I felt was not acceptable. When trying to contact Debra that morning she did return calls or email. I was forced to call a general number then talk to three different people to get a closing cost (Thank you Krissy Osborn for getting us that number).

Nathan's Tip: Don't use FBC, I would rather pay closing costs than use them again.

Lender Response
We apologize for your experience with FBC Mortgage, LLC. Our goal is to provide the highest level of customer satisfaction. We will use this review to discuss a possible training opportunity with our Team.
Conventional 30 Year Fixed Florida
Closed on time
Loan met my needs

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April 26, 2017 at 11:17 AM
Recommend's Debra

Don't know what this means

Poor at returning phone calls

Conventional 30 Year Fixed Florida
Loan met my needs

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April 21, 2017 at 10:48 AM
Recommend's Debra

Winterlakes Hampton purchase

Excellent and efficient service

Prescott's Tip: Ensure no pictures but Fax or upload of required documents is complated for faster more effective processing of your loan

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

Share  
March 15, 2017 at 1:59 PM
Recommend's Debra

New Home

Seemed to be competitive rates and the best incentive was to have some of the closing costs paid for by the builder/lender.

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

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March 04, 2017 at 11:03 AM
Recommend's Debra

FBC Mortgage was great to work with

Working with Debra was a pleasure as she made it very clear what documentation would be necessary and she was very responsive when I had questions that needed to be answered. I wish the process could be simplified a bit but I do understand why there was an effort to make sure all financial disclosures where complete and accurate due to the housing crisis from the last 10 years. I would definitely consider using her in the future if there was a need to purchase another home.

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

Share  
March 01, 2017 at 8:32 PM
Recommend's Debra

Excellent!!

I was terrified of buying my first home. The entire staff at FBC made the entire process enjoyable and so smooth....they bent over backwards to make it a success!

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

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November 30, 2016 at 2:17 PM
Recommend's Debra

Up and Down

First time home owner. Stressful process. Was supposed to get a bond then later on told no. Total cash for closing changed several times and at times got stressful ended up lower cash to close than thought which was awesome. Overall for first time everything went smooth would do again if I could.

Tyler's Tip: Email is key. Very difficult to get ahold of by phone which can be stressful especially when you need specific question answered in timely manner.

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

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October 31, 2016 at 2:57 PM

Poorest Loan Process Ever

FBC as a whole was the worst mortgage company I have ever dealt with in over 35 years of buying and selling homes. They were unable to ever provide a final and clear list of demands for information some of which was highly questionable if it was even legal for them to demand it. They continually made errors on forms, slow to respond to my requests. When I finally demanded to speak to a supervisor despite being promised that person would call me they never did. What was supposed to be a three week loan process lasted nearly two months due to their incessant demands.

Kevin's Tip: Stay as far away from FBC as possible. even though they may offer you discounts and credits in the end it was not worth it.

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.
Conventional 30 Year Fixed Florida
Loan met my needs

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May 02, 2016 at 10:32 AM
Recommend's Debra

5 star

FBC was fantastic to work with.

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

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