John Cardosi

100% of customers would recommend John Cardosi

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Customer Reviews

4.9 of 5
26 Reviews
Responsiveness 100%
Product met needs 100%
Competitive rate 100%

Reviews for John Cardosi

13 days ago at 10:12 AM
Recommend's John

Friendly and professional

An unexpected change in our retirement life style made it necessary for my wife and I to have to tap into our home’s equity. John Cardosi and Susan Gibb’s professional and friendly service helped make a potentially stressful situation into an easily manageable, stress free event. We have done business with Mr. Cardosi before and, if occasion arises, will most happily and confidently again.

Wilbur's Tip: Our mortgage process was straight forward and uncomplicated, just the way I had hoped it would be. I can think of nothing that would have improved our experience.

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

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June 20, 2017 at 1:57 PM
Recommend's John

Johnny Cardosi Rocks!!

Johnny Cardosi worked wonders for me! Ours was not the usual cookie-cutter case and we had been turned down by every mortgage company, bank, etc that we could fine. Then someone told us about Johnny, He said he could make it happen. We were skeptical... no one else would even talk to us. Well, Johnny was able, against all odds to help us get our dream home! And, best of all, he was fun to work with. Always a straight shooter, he said it would not be easy and it wasn't. But he helped us jump through every hoop and work around every obstacle. Johnny and his team were always professional and helpful. Always eager to help. FBC, Johnny and his team are 10 Stars in my book! They went above and beyond and exceeded my expectations by far!

Lili's Tip: Call Johnny Cardosi and listen to what he tells you. He knows this industry upside down and backwards.

Conventional 30 Year Fixed Florida
Responds quickly
Loan met my needs

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March 04, 2017 at 7:27 PM
Recommend's John

Sorry not sure what this means exactly

Same here, not sure what this means exactly.

Guy's Tip: John, Susan, & others were all VERY helpful, friendly, didn't waste any time. You just need to be ready with your documents, have everything in place and they will do the rest. A true Team effort. Thank you :)

Conventional 5/1 Adjustable Rate Mortgage (ARM) Florida
Closed on time
Responds quickly
Loan met my needs

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February 10, 2017 at 9:41 AM
Recommend's John

Home loan

Johnny Cardosi and Susan at FBC are fantastic people to work with, they made us feel so welcome and are so efficient at their job! I tell everyone how wonderful they were to do business with!

Judy's Tip: Go to FBC for great service!

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

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January 26, 2017 at 1:00 PM
Recommend's John

Deal with Attentive,Caring People at FBC Mortage, Belleair Bluffs

Johnny and Susan are always there to answer questions and get you the best deal. Can walk into their office at anytime for help, questions, and explanations. I was in that office so many times with questions and always felt part of "the family". Their personal service to their clients is important to them. They are "hands on" helpful 7 days a week almost 24/7. I can't thank them enough ....this is your .."go to" place .

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

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January 16, 2017 at 5:54 AM
Recommend's John

Given the extent of regulation around this type of lending, it wouldn't have happened without FBC

As a resident of United Kingdom, i have considerable experience in dealing in these matters but was completely unprepared for what was required to raise funding in the USA. However, despite the stresses, Johnny Cardosi and FBC were exceptional in securing the debt.

George's Tip: Be diligent and allow plenty of time to facilitate the process.

Other Other Florida
Closed on time
Responds quickly
Loan met my needs

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November 03, 2016 at 12:13 PM
Recommend's John

Johnny Cardosi is absolutely the best of the best!

After purchasing two homes in the last two years from Johnny, I couldn't be happier! From beginning to end, the communication between Johnny, his assistants Susan Gibbs was beyond exceptional. I would highly recommend to anyone to Johmny and Susan.

Christina's Tip: Whether you have a simple question or complicated one, Johnny and Susan always explained everything clear so I was in full understanding of the process. When buying a home, it can be stressful if you don't have a great relationship with your lender, he's not a bank that treats you like a number, Johnny would text me and email me just to check in on me and that meant a lot and definitely earned my business again!

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

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November 01, 2016 at 8:54 AM
Recommend's John

great service

Johnny and his team did a great job considering the unusual nature of the loan and the short fuse associated with it. They worked under pressure and their were no negative surprises.

Nicholas's Tip: Use him - he wont let you down - great communicator

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

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May 23, 2016 at 8:26 PM
Recommend's John

great experience

We purchased a vacation home in Florida while we were on vacation from another state. Johnny; Susan, his loan assistant; and the entire staff made what could have been a very frustrating experience, very positive. They were professional, courteous, conscientious and well organized. They were on top of things and guided us through the entire process. We appreciate all they did for us. Special Thanks to all for their help.

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

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May 04, 2016 at 11:29 AM
Recommend's John

They make home buying enjoyable and stress free

John and his assistant Suzane are amazing. Everything was very smooth and they got me a great rate.

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

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January 28, 2016 at 2:52 PM
Recommend's John

Widmer Mortgage Application & Loan

I have bought several properties over the last couple of years and dealing with John Cardosi and the Team at FBC Mortgage has been the easiest and most efficient mortgage approval I have been through. It was truly a pleasure to work with Susan Gibb & Kelly Weaver to complete this transaction.

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

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January 07, 2016 at 11:26 PM

We made it to closing early!

We signed our house contract on 11/26/15 and asked the lender if we could possibly go to closing before the end of the calendar year so we could qualify for the Florida Homestead exemption in 2016. We knew this was a tall order as VA loans were taking 40-45 days to close at best. Our lender got on board, & while they couldn't promise this outcome, they volunteered to do their best along with our timely cooperation. Together we each did our utmost, and the end result was fantastic! We closed on 12/30/15, after only 34 days! Johnny & his team, Susan Gibb & Dana Gray were professional, friendly & courteous every step of the way. They got back to us promptly & provided the personal touch an ease of communication so often lacking these days. We're very happy we choose to work with this local lender, and would definitely choose them again. We highly recommend them to anyone looking for a mortgage loan!

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

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October 05, 2015 at 3:12 PM
Recommend's John

Loan

The best experience ever, John Cardosi and Susan Gibb what a pleasure it was to work with them. They made my dream come. The best professionals in the business.

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

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September 23, 2015 at 10:10 PM
Recommend's John

New home

John Cardosi was a joy to work with. He gave us great advice, stayed in touch constantly and made the whole process as easy as possible. I would recommend him to anyone.

Charles's Tip: Don't use a "Big Bank" for your loan. We tried them first. It was a nightmare and we got no personalized help at all. In the end the deal fell through so we went with smaller lender. No issues. Wish we knew then what we know now.

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

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July 29, 2015 at 3:58 PM
Recommend's John

Old NE home

It was a pleasure working with everyone

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

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June 05, 2015 at 8:40 PM
Recommend's John

Excellent responsiveness!

Johnny Cardosi, Susan Gibbs and Desiree Barreras, did an outstanding job processing my loan in a timely manner. They were extremely responsive, complete and kept me informed throughout the process!

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

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May 23, 2015 at 8:43 PM
Recommend's John

Extremely responsive

Johnny Cardosi and his assistant Susan Gibb and closer Desiree Barreras did an oustanding job processing and closing my loan. We had an initial false start with another lender, in which we lost 10 days, but "Johnny was on the spot" to execute recovery and land the plane with an on-time arrival. I would highly recommend this team!

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

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May 18, 2015 at 12:06 PM
Recommend's John

Fantastice Service

Hi My Wife and I were very impressed with the Level of Service and Commitment from all the people at FBC. Especially John and Susan. From Peter and Chris Wilkinson

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

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May 17, 2015 at 2:16 PM
Recommend's John

100% satisfaction!!

All aspects of customer service throughout the home loan process were exceptional. All parties were available, responsive, informative and accommodating. Very professional!! A pleasure to do business with.

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

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February 04, 2015 at 10:12 PM
Recommend's John

Long Distance Made Easier

We ended up purchasing our condo long distance from Indiana. Jonny Cardosi and his staff were very responsive and kept communication open and fast all through the process. We were very happy that we were able to complete this purchase as quickly as we did. Bravo to all.

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

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January 18, 2015 at 2:00 PM
Recommend's John

Excellent!!

Johnny Cardosi, Susan Gibb, and Maria Smith worked tirelessly on my very small loan to get it closed before year end! I'd say they all went beyond the call of duty and would recommend these three as well as FBC to anyone needing a mortgage-- large or small like mine! Thanks, Patricia N. Kreher

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

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September 07, 2014 at 6:37 PM
Recommend's John

Professional and Amazing Service

Wonderful company and my Loan Officer Johnny Cardosi was THE BEST!

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

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April 16, 2014 at 12:01 PM
Recommend's John

Outstanding service and attention

We came to do business with FBC after a failed attempt with a mortgage broker, which we discovered later was not necessary. However, the time we spent in that process used up valuable time and our closing date was looming. Mr. Cardosi, his assistant Susan Gibb and our processor Maria Smith went above and beyond in service to make our original closing date. We are truly grateful to have worked with this team of professionals.

Aubrey's Tip: Stay on top of the loan process, you hold all the information your lender needs to approve your loan. Gather all the requested data and respond in a timely manner. It makes a very daunting process easier.

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

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