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Reviews for John Fosgate
New Year's Eve Closing!
John, As I reflect on the loan process, I felt a bit compelled to write a message to you. You have a wonderful team of folks. They are all very knowledgeable and I had no issues with anyone on the team but the final few days of closing preparation were rather hard. I know this can be the case as everyone straps on their boots and proceeds to action all items not yet resolved. And add the additional pressure of end of year on both sides and it can be stressful. I had mentioned several times that the EOY was my busiest time of the year and I was hopeful to remove any hurdles prior to the Christmas holiday as I did not know how available I could make myself. I thought we were fine and ready to close until the final week’s requests. I wanted to share a few concerns with you in hopes it might help others and make your team that much stronger Once the “we are in processing” video is emailed, things tend to go quiet while the team works on “processing.” We expect some document requests after underwriting but underwriting happens later in the cycle so perhaps reaching out to your client every 2-3 days during processing would be helpful to provide a status of what is happening. It felt like everyone had gone silent. I do realize I am someone who regularly wants to know what to expect and what is happening while others probably prefer to avoid a lot of involvement. Anyway, we received requests for documents and supplied that information during the underwriting phase and prior to that. The final week before closing, we received numerous data requests that were challenging to provide as the end of the year is my busiest time of the year! Documents were sent via email and there were few confirmations that items had been received. I did not use the portal for this process which was my fault. It just seemed more time consuming to go out to the portal to upload items. Much of the personal finance information is confidential so knowing it was received by those requesting it was critical for me. There were many emails where I asked if attachments had been received. I think this is just good follow-up and allowed me to fully remove the emails from my email files. There were email requests that would be fulfilled and then the next day more items would surface. I believe that 1) ask for what is needed clearly and not the wrong time periods or wrong account numbers 2) acknowledge receipt of requested items and next steps with the information provided would be of great value. 3) Also, being able to send what is needed in a thorough comprehensive email would be beneficial. Receiving numerous emails with different requests becomes hard to manage and stay current when focused on current work tasks rather than focused on closing documents. Going back and forth between Loan documents and work was overwhelming the final week before Closing. Not everyone is on internet explorer or chrome etc. and so some files are not as easily converted to accessible status. As you are well aware, this is sensitive data and Banks and CUs are keeping these items more secure and not easily transferrable. I was taken aback by the assumption that my file conversion difficulty was my own doing. I work in an IT advisory firm and even though I work in Consulting Operations, I have knowledge of system capabilities and saving documents. The security of documentation and privacy concerns would not allow me to offer someone my password to retrieve and search within my internal banking sites. This is a violation of my employment agreement since I am using Gartner Property. I would suggest this not be offered as a solution in the future as it could be seen as a breach of ethics. Just my two cents. Finally, we were told a FED Ex would be to us on Saturday and we needed to sign with a notary and return by the closing date on 12/31(Monday). We waited hours on Saturday and there was no Fed Ex received. In fact we learned it had not been sent. We spent much of Saturday awaiting the documents and locating a Notary on a Holiday weekend. After several emails and phone calls, we were told that a mobile Notary was arranged for Monday afternoon. She brought the documents, we signed, and she notarized and scanned back to the Title Company. This should have been the process all-along! Up until the final week, everything had gone pretty smoothly so the intensity of the last week is still with me. Perhaps there is a way to get to underwriting sooner? Anyway, thank you for all the hard work! We do appreciate the last hour gymnastics! Tonya and Carla were excellent and perhaps the remote closing and activities just need to be better developed! Patti Willson Medlin.
Michael's Tip: See comments above
Conventional 30 Year Fixed Florida
Great Exoerience!
FBC Mortgage worked with us very diligently in closing our Dream New Smyrna Beach Home! They went the extra mile to make everything go smoothly. My husband and I couldn’t be more pleased with the professionalism and genuine interest they took in us and our new home. We can’t wait to be permanent NSB folks!!!
William's Tip: If you need a mortgage company to work with...contact FBC.
Conventional 30 Year Fixed Florida
Excellent!
Great experience overall . . . highly recommended
Conventional Florida
FBC Mortgage Review
Pros: John was very friendly and professional. His assistant, Alison Friend, was quite knowledgeable and responded to all questions in a timely manner. Cons: Overall experience wasn't as good as previous experiences with FBC. There was very little proactive communication after the initial set up and back office operations didn't set correct timing expectations of loan process (ex. told a 48 hour underwriting process which took 2 weeks before we heard next steps). Very little support in regards to interest rate movement.
Conventional 30 Year Fixed Florida
FBC Review
Knowledgeable, informative & interested in providing the best loan for my cindo
Edwin's Tip: All transactions were professional & accurate
Conventional 30 Year Fixed Florida
BEST LENDER AROUND WITH GREAT INTEREST RATES
From the beginning, Johns team was very helpful with the purchase of our second home. We couldn't ask for a better team. They're organized, fast and efficient. I highly recommend this lender.
JERAMY's Tip: Best lender with great rates
Conventional 30 Year Fixed Florida
Great to work with
They made this whole process a lot easier for first time home buyers.
Conventional 30 Year Fixed Florida
Satisfied customer
We were referred to FBC by a family member who used FBC . They called contacted us when we needed questions answered and closed our loan quickly.
FHA 30 Year Fixed Florida
Easiest Home Loan Process Ever!
This was the most efficient and timely process for a mortgage I have been through. They communicated thoroughly, had minimal requests for documentation and finished everything in a timely manner.
Conventional 30 Year Fixed Florida
Terrific job by terrific team
John Fosgate's team was spectacular as well as the whole processing, underwriting and closing teams associated. Extra kudos to Alison Friend And Tonya Martin who made sure everything flowed perfectly. Kaysa was professional and took great care of me also. Even with a seller change of the title co and settlement agent a week before closing they made it work and put in extra effort to make our fast and early closing date to meet our sellers time restraints. Being in the mortgage industry, even though I don't work at FBC, I was extremely impressed with everyone. Thank you all, especially Alison.
Deborah's Tip: Have your income and asset paperwork prepared. Have access to scanning capabilities and access to your emails to respond quickly to lenders requirements to insure you make your closing dates.
Conventional 30 Year Fixed Florida
Scott Palm Coast
The team did an awesome job of keeping me posted and providing valuable guidance. Very pleasant to deal with and customer focused. Special kudos to Alison!
Conventional 30 Year Fixed Florida
Excellent Service
John and his team did a great job communicating with me through the whole procedure. Unfortunately there was some things that happened that was out of all of our hands, but John and his team was very helpful through the process. I would strongly recommend FBC to anyone looking to get a mortgage.
Alan's Tip: Great people to work with.
FHA 30 Year Fixed Florida
Home Loan
Had the pleasure of working with John's team on our mortgage over the last few weeks. The experience quick, smooth, and the staff were so knowledgeable they helped me every step of the way. Specifically Christina, Allison, and Renee. I would highly recommend them to anyone in search of a lender.
Conventional 30 Year Fixed Florida
Very Helpful
John’s team kept me in the loop every step of the way. They were very helpful in letting me know what exactly was needed from me in order to complete each step and they were very eager to help me get those steps taken care of.
Conventional 30 Year Fixed Florida
Great Experience
My overall experience was excellent. A team of professionals starting with Javier who worked with me in the pre-approval process. Alison you were amazing what can I say THANK YOU you kept me grounded. Rebecca thank you for your patience. This team really worked hard to make my dream a reality. Thank you all!!
Priscilla's Tip: This is the team to have when financing your home.
FHA 30 Year Fixed Florida
Excellent service!
John Fosgate and his team, Javier and Rebecca, were excellent to work with. They made the whole process as easy as possible. They were always available and explained everything. I couldn't have been more happy with them! Thank you FBC!!!
Conventional 30 Year Fixed Florida
Great service
My husband and I appreciated all the help that John's team did for us in getting our mortgage for our second home. We are in a different state, so the FBC team either contacted me via e-mail or phone for additional documents that they needed. The FBC team was very professional, knowledgable, and friendly to work with.
Conventional 30 Year Fixed Florida
Excellent Service
This is the 2nd loan I've closed with John. I live remotely, John and his staff at FBC are very responsive, professional and a pleasure to work with. They make the process very quick and easy. 30d from initial contact to close!
Tom's Tip: If you want your lender to be responsive, then you do the same and respond ASAP to their inquires.
Conventional 15 Year Fixed Florida
Title
I don't believe the rate was competitive! I followed the 30 year fixed rate from the day first quoted to the day of of locking in and they were not consistent. I felt like they quoted a low rate when you could not lock in and then increased beyond what the 30 year fixed rate moved.
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. We quote current market rates at the start of the loan application and when the builder notifies us that the home is ready. We regret any miscommunication and we will use this experience as a training opportunity for our company.Conventional Florida
John Fosgate
simply put, John gets it done.... enough said!
Conventional 30 Year Fixed Florida
Winter home
FBC and especially Alison were extremely helpful and knowledgeable. I would highly recommend this service to anybody
Conventional 30 Year Fixed Florida
great team
the personal attention that was given is greatly appreciated. i would highly recommend their services to others.
Doreen's Tip: continuing with their helpful attitude
Conventional 30 Year Fixed Florida
Another Smooth Home Purchase
John and his team are by-far the best to work with on either side of a real estate transaction. As a repeat customer it is nice to know you will be taken care of in a professional and timely manner as time is money. Hats off to the FBC TEAM!!!!!
FHA 30 Year Fixed Florida
Great Customer Service
John and his team have mastered their craft and were always available to educate and provide assistance through every step of the process. I appreciated their flexibility and constant focus on helping me close on time with the best economics available. I am very satisfied with my outcomes. My one suggestion for improvement is the lead time provided for the pre and final disclosure. The goal should be to deliver earlier to allow for unexpected events and avoid unnecessary anxiety on the part of the customer.
Conventional 15 Year Fixed Florida
Real Estate Agent Review
John Fosgate and his team are the lender of choice for all my Buyers. They have a can do attitude, always handle even the difficult things with grace and will not stop until they find a way to make it happen for the Buyer. I always recommend John and his team and when the loan is closed my Buyers thank me for referring them to John and the team at FBC Mortgage
Conventional 30 Year Fixed Florida
Westport
Javier was great! He answered all of my questions and always returned my calls promptly
Conventional 15 Year Fixed Florida
Retirement to the Sunshine State
I started House Hunting for my forever Retirement Home in July 2017. Alison was there for me every step along the way; from Pre-Approval to an On-Time Closing. The process was made more challenging with me living 2K miles away; but Alison ensured the process was completed without a hitch. Thanks!
Conventional 30 Year Fixed Florida
