James Lewis

84% of customers would recommend James Lewis

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Customer Reviews

4.3 of 5
20 Reviews
Responsiveness 85%
Product met needs 100%
Competitive rate 95%

Reviews for James Lewis

27 days ago at 10:05 AM
Recommend's James

Jim is the best!

Jim and his team are truly the best in the business! I appreciated Jim's guidance throughout the loan process. He was informative and helpful throughout the transaction. He also answered all of my questions and responded quickly. The process was smooth and I was kept in the loop every step of the way. We closed on time and I couldn't be more satisfied with my experience with Jim and his team. Would highly recommend Jim Lewis!

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

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April 29, 2021 at 6:09 PM
Recommend's James

Great and Easy Process

The loan process went through really smoothly with no issues or resolve. They talked me through every problem I had and explain what was going on very well. Thank you FBC Mortgage, LLC

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

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April 01, 2021 at 12:40 PM

The Worst Experience of My Life

From beginning to end the mortgage process was nothing short of a nightmare. From the start of my application, I never heard from my loan officer, Jim Lewis. With an initial closing date of 3/26, I was reassured that we would meet the closing deadline and encouraged to end my lease on 3/31. As a first-time homebuyer, I expected to receive communication throughout the process about where we are and what was to come but unfortunately, I was left with unanswered calls, texts, emails, constant delays, and miscommunication. The file took 3 weeks to even get processed to underwriting as we were awaiting an appraisal that was never ordered. As the 3/26 deadline grew closer, communication worsened and until my loan began processing, I had no communication with Jim Lewis. During the underwriting process issues arose when incorrect application information was put into my file. The underwriters had to rush to meet the 3/26 deadline due to lack of action of Jim Lewis. Through this rushed process I only received communication from the loan processor who kept me abreast of what was to come. My closing was pushed back from 3/26 to 3/29. I was supposed to receive the closing disclosure on the 25th to ensure a closing on 3/29. This was received at the absolute last minute and was incorrect. When I notified Jim Lewis, he brushed it off and ensured we would still be closing 3/29. As the deadline for my notice to vacate approached, I grew anxious as I had not received conditional approval and the closing was still not scheduled. I received word on 3/26 that we would indeed not be closing on time again and Jim Lewis was still unheard from. On 3/29 we were told the closing was confirmed and that underwriting did their final approval on 3/26 and I should move forward with wiring cash to close funds and the remainder of steps needed to close. The Attorney's office had a deadline of 5pm to receive the clear to close documents and again not to my surprise those were never received. Thanks to my builder (which was odd that they would be receiving communication regarding my file before myself), I received an update about the underwriting team needing to do a second approval before a clear to close could be issued. This was after my funds were wired and of course no word from Jim Lewis or processor. I made countless calls, left several voicemails, emails and texts for them to go unanswered. Finally, after 6pm I received a call from Jim Lewis explaining what was happening and that ultimately the closing possibly could get pushed back if underwriting could not issue the CTC in time. The MORNING of my closing (less than 2 hours before scheduled closing) is when I received approval and my clear to close. While still frustrated with the process I was glad to be at the finish line or so I thought. At closing, the attorney went to process all the documents I signed but the underwriter could not give final approval as the wire that was sent differed from the amount that was provided in the gift letter. The day prior before wiring the funds, I asked my loan processor to confirm if it would be okay if my fiancé' wired the gift and the additional funds needed to close. She received word from Jim Lewis that this would be okay to do, and I should proceed to wire. As I sat at the attorney's office awaiting this process to be rectified, I had not heard from Jim Lewis or processor. I had to wait for a document to be sent to the attorney's office for signature. No apology or again communication from either party. The following day, I thought I would be in the clear with FBC and never had to deal with this incompetent team again, I received an email saying that they forgot to include an important FHA document and I had to return to the attorney's office once again to sign off. This was the nail in the coffin! The mishaps and lack of communication was enough. I had been inconvenienced every step of the process. Jim should not be in this profession as he lacks the knowledge and tact that a loan officer needs. I hate that this was my first home buying experience, but I will ensure everyone I know never purchases a home through FBC.

Alden's Tip: If you see FBC as your lender, RUN. The google reviews are accurate, they are the worst to deal with.

FHA 30 Year Fixed Georgia
Loan met my needs

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March 24, 2021 at 10:38 AM
Recommend's James

SUPER STAR!

Jim & Stephanie are the BEST! No Worries, No Hassles, No Questions, No Hiccups! Thank you for your help!

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

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August 20, 2020 at 1:42 AM
Recommend's James

Smooth Process

I was very nervous to go through the process of purchasing a new home. This is not my first time and All I could remember was how much back n forth it took to finalize. Things were different this time and although I was anxious, things went very smoothly. I appreciate that so much. Thank you for putting my fears to rest!

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

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July 25, 2020 at 1:36 PM

Jim Lewis' Team excellent DIS-SERVICE on closing 6458 Moutain Home Way

It is a pleasure to have the opportunity to write a few words about my experience in working with Jim Lewis's Team at FBC. This closing was arguably the worst experienced I have ever had in working with any lender, either for my own purchases or for my clients whom I have represented as their buyers agent, because I am a realtor with ReMax Premier and have dealt with many lenders. This was my fifth (5th) purchase from Ashton Woods in that particular community. My previous loans were all with Wells Fargo, and they all closed beautifully without any delays. I have also worked with South East mortgage, BB&T, North Point Mortgage, in none of them I had such miserable experience. Right from the beginning in June 4th 2020 Mr. Lewis started showing evidence of his incompetence in communication by delaying to return calls and text messages (Horrible Horrible). here are some brief examples...For some reason I could not login to set up an account in FBC system to complete my application, and he was not able to get the IT to correct this minor issue. I had to set in my car for 45 minutes for him to ask questions to complete my application (unacceptable), then someone else to call me for another set of questions to check my credit (unacceptable). This sort of personal information should be passed through secure sites (unbelievable). I never, received a single loan estimates, cost for closing, and monthly payment estimate until the very end, AND THAT WAS BASED ON A WRONG PURCHASE PRICE AND FULL OF ERRORS (WHAT CAN I SAY!!!). My closing was on Monday the 13th July, on Thursday the 9th of July I received a LONG list of 11 items to submit and approved by the underwriter and still be able to close on Monday the 13th. Each one of these items was time consuming to obtain considering that people have a separate life to lead and have to make a living. Some of the documents I submitted three times or at least two times, such as some of the bank account information or my pay stubs. He made me to pay my taxes of over $14,000 despite the fact that I had sent him my schedule payment with IRS and bank statement of partial payment of $4500. It is my American right to pay my taxes in installment! My closing was postpone three (3) times. Jim claims 30 years of experience in working with loans, he certainly failed on this ONE. On the issue of my taxes, I checked with my other lenders that I worked with they were all surprised. I rather to have a reasonable prompt return of call and advise than receiving these JARGON advertising and automated emails, or $5-10 Starbucks card (that is shameful). Jim and his team did DISSERVICE to me.

Ali's Tip: Stay away from Jim Lewis Team

Conventional 30 Year Fixed Georgia
Loan met my needs

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July 25, 2020 at 7:49 AM
Recommend's James

Beyond Incredible

Jim Lewis along with the most amazing assistant closed my loan in record time. It wasn't easy, I sold my home for cash and had to be out in 20 days, Stephanie held my hand and Jim jumped on board, amazingly and even with last minute under writer request this team, got it done. I was a buyer but I'm also a Real Estate Agent and FBC is Always my first choice for a loan.

Jacqueline's Tip: Get everything together as soon as requested, stick with the process. Its not easy for the lender to get through all the regulations but together you can be an amazing team. Be a good and patient team member and FBC will get it done for you.

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

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July 25, 2020 at 7:49 AM
Recommend's James

Beyond Incredible

Jim Lewis along with the most amazing assistant closed my loan in record time. It wasn't easy, I sold my home for cash and had to be out in 20 days, Stephanie held my hand and Jim jumped on board, amazingly and even with last minute under writer request this team, got it done. I was a buyer but I'm also a Real Estate Agent and FBC is Always my first choice for a loan.

Jacqueline's Tip: Get everything together as soon as requested, stick with the process. Its not easy for the lender to get through all the regulations but together you can be an amazing team. Be a good and patient team member and FBC will get it done for you.

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

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July 18, 2020 at 3:14 PM
Recommend's James

Excellent Customer Service

Jim and Stephanie were great to work with. They were amazingly responsive and guided me along every step of the process. Document submission was simple with the online tools and everything closed on time. Thank you both!

Jumbo Other Georgia
Closed on time
Responds quickly
Loan met my needs

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April 24, 2020 at 3:00 PM

Hello, is there anyone there?

Jim has an automated system the generates "personalized" emails. I have been receiving these since he handled my original home loan 5 years ago. They kept him top of mind and thus I went back to him for a refinance. Unfortunately, when it comes to REAL personalized communication, Jim falls way short. It was difficult to get information from him in a timely manner. And eventually I stopped hearing from him and was past off to a very capable assistant, Stephanie, who did a much better job of keeping me informed.

John's Tip: Turn off the automated bullshitty emails especially when I am an actual client. There is nothing more frustrating than waiting for a response on an email and receiving two emails from you that are automated before I get a response on the real email that I sent.

Lender Response
We apologize for any convenience you may have experienced with you loan transaction. We strive for 100% consumer satisfaction. If there is anymore we could have done to make your experience better, please contact Jennifer Green at [email protected]
Conventional 30 Year Fixed Georgia
Loan met my needs

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April 16, 2020 at 9:52 AM
Recommend's James

Excellent service

This is my third mortgage with FBC. They make it easy are are great to work with.

FHA 20 Year Fixed Georgia
Closed on time
Responds quickly
Loan met my needs

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April 09, 2020 at 11:43 AM
Recommend's James

Outstanding!

Jim & Stephanie were amazing! Their work and communication was exceptional in clarity and efficiency. They also are incredibly nice and personable.

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

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September 19, 2019 at 10:48 PM
Recommend's James

Easy Breezy

From our very first conversation Jim was very attentive and helpful. He was patient as my husband and I asked questions as this was our first home purchase. Jim as well as all of his team were very helpful and responsive. I would recommend Jim!

Sonia's Tip: Make sure you have all the required documents readily available. It helps keep things moving. Whenever the lender sends a request for something...get it back to them ASAP! Again, just helps things to flow nicely.

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

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August 26, 2019 at 12:03 PM

Great Experience

This was my second time working with FBC Mortgage and the experience was once again excellent. Communication was always proactive and timely, I knew exactly what to expect and when. Jim, Michael D. and Stephanie are a knowledgeable team I look forward to doing more business with in the future.

Conventional Georgia
Closed on time
Responds quickly
Loan met my needs

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June 07, 2018 at 10:39 PM
Recommend's James

Trustworthy.

Jim and Stephanie, along with their team at FBC Mortgage made the process of securing a mortgage as painless as humanly possible. We all know securing a mortgage is NO easy task. Their dedication to details was impressive and genuine. I truly believe Jim and Stephanie care about people and their desire of home ownership. I recommend Jim and his team without reservations. Jim and Stephanie will be my first call, when the time comes to secure another mortgage. Sincerely, K, Ababio.

Kodwo's Tip: Be ready to respond to the underwriters and your contact at FBC quickly.

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

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January 19, 2018 at 1:55 PM
Recommend's James

AWESOME EXPERIENCE!

I just closed on a home in Chapel Hill, NC. Jim Lewis and Stephanie Lucas handled my loan. What an awesome team! Considering the complexities of securing a mortgage, they made it painless and moved things through smoothly and easily. Stephanie is a true gem! She is detailed, responsive, patient, clear and acted as my champion throughout the process. She even sent me a congratulatory note on closing day! I will gladly recommend FBC to anyone needing a lending partner.

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

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January 14, 2018 at 7:59 AM
Recommend's James

Thank You!

There are no words to express how helpful and how hard Jim and and Stephanie worked to get our loan approved. The smiles on my families face after the first night was priceless. I would highly recommend Jim and his team for your next mortgage!

Jumbo 7/1 Adjustable Rate Mortgage (ARM) Georgia
Responds quickly
Loan met my needs

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December 13, 2017 at 3:48 PM
Recommend's James

Excellent

Stephanie Lucas of Fbc Home loans was top notch!!!

Conventional 30 Year Fixed Georgia
Responds quickly
Loan met my needs

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September 05, 2016 at 9:27 PM
Recommend's James

Positive experience

Overall this was a positive experience. I liked that the lender was always very available to reach by phone, text, or e-mail. He and the personnel working on my loan were always polite and explained everything if I had a question. What I did not like is that the paperwork would be given to me the last minute with the expectation that I return it that same day or the next day. Also, the website where I could sign the paperwork did not work properly and I could not see some of the documents. Initially the lender seemed a little short with me because I did not understand everything on my loan estimate but then he did call me and explained everything term by term.

Conventional Georgia
Closed on time
Responds quickly
Loan met my needs

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