Reviews for Joanne L. Carsillo
Down to the wire!
Due to delays in the underwriting process, our closing literally came down to getting loan approval hours before the scheduled time. Thankfully, Joanne was on top of things and monitoring the situation that day...and several days beforehand. It was a very stressful situation, but Joanne was reassuring and calm during the whole process.
James's Tip: Please make sure ALL the paperwork required has been requested by underwriting WELL before the scheduled closing date.
Conventional 15 Year Fixed Florida
“Simply the best”
This was a refinance of my first mortgage both with FBC. Joanne Carsillo was my LO on both transactions and followed the process through to the closing and beyond. The Best.
Richard's Tip: Choose Joanne Carsillo for your LO.
Other 30 Year Fixed Florida
Above and beyond
Joanne made the imposible happened, she guide us on what we needed to do and was on top of everything from the beginning till the end and even keeps checking on us, when I say she is the best she is !!!!
Jose's Tip: Caring
FHA 30 Year Fixed Florida
D Church 27271 Richview Court
I was very happy with Joanne and Elaine. They are professionals with strong customer service skills. they were available, knowledgeable and and responsive. The Portal was very user friendly and effective. Where FBC fell down was the final steps handled by the closing department. I made very clear my schedule and that I would be unavailable so I needed closing amounts so I could wire the money before I went out of town. I wound up getting the Closing Statement on a Friday afternoon at 3:00 with requirement to review and sign before 5 or closing would be postponed. Never saw the actual closing documents until at the closing table and there were errors that had to be corrected and some we could not correct.
Dennis's Tip: Demand to be provided all closing statements and closing documents 5 days before closing to allow time for review and correction if necessary. factor that into the schedule.
Conventional 15 Year Fixed Florida
Do not recommend!!!
Thought lender was working for us to find the best possible deal but really was working for builder. When we searched for another lender who gave us better offer with a .5% lower interest rate and less money at closing. The builders lender then matched the offer but was cold when dealing with us. When asked why we did not get this offer the first time she said " I never said I would be the lowest" After saying she would match money to pay off at the last moment we had to pay off more on credit card when the other lender said we would not have to.
Joseph's Tip: Ask if getting the best possible deal and shop around to make sure.
VA 30 Year Fixed Florida
This was my second refinance with FBC through Joanne Carsillo. I was very supprised how easy Joanne is to work with, everything is online, we have spoken a few times and honestly if was a "fun" experience. Joanne is so easy to work with everything is spelled out and explained in detail. I can with out a doubt say that if you are looking to purchase or refinance and want a person that will get you the lowest interest rate and is a pleasure to work with call Joanne.
Conventional 30 Year Fixed South Carolina
Very Professional and Helpful
Ms. Carsillo did a great job assisting me with the purchase of my new home. She walked me through the process when i would get stuck on something. As i told her, she is a real STAR in her business.Couldn't have done it without her.