Patricia Cress

I am going to tell you that I only dealt with Katherine Tykoski for a couple of days. She left the company and I dealt with Katherine Kottman. She was great to work with and would recommend her to anyone along with FBC Mortgage. Everything was done in a quick, efficient manner and am grateful for all of her help.

Patricia's Tip: Make sure you keep all records of credit or old payment problems and give as much information as possible at the beginning. Makes everything much smoother. Also a lot of us pay and get everything online including utilities, but if you are looking to purchase a home make sure you can get hard copies of 6 months worth of documents, like bank statements and utility bills.

FHA 30 Year Fixed Florida

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Awesome service

Katherine did a great job during the entire loan process. She gave me a checklist of items I needed to supply and kept me well informed. The entire process was very easy from start to finish. Thank you Katherine for showing me that buying a home really can be done stress-free

Tonia's Tip: Provide your loan officer the items they need timely and things will run smoothly

VA 30 Year Fixed Florida

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Not really impressed

Let me start off by saying that I tracked Kat down after we had a stop/start homebuying situation back in November. She was professional and always helpful when I had spoken with her previously, so when I found that she had moved to a new company (FBC), I looked for her, in order to continue working with her. That being said, Kat disappointed me significantly, once we signed the contract paperwork with them, for the offer on the house we were buying. Before we put pen to paper, Kat was very informative and communicated with us very well. She was responsive to our e-mails and calls. She was helpful and gave us lots of good information. However, once the ink dried on the contract, my wife and I felt like we were being mostly ignored. It was a very noticeable change. She rarely answered her phone, and when she did, it always sounded like she was impatient with us, somehow. We had many questions about the mortgage approval process, as we were first-time homebuyers. But any questions we posed to her in e-mails were rarely answered, and when they were, it was days/weeks later, and typically with the attitude that we should have already known these things. And her processor, Ellen, while a bit more helpful and responsive, also failed to hit the mark with us, as it seemed like our file was unimportant to her. She requested many items we'd already sent to her, and although our appraisal was completed and approved in the beginning of April, somehow, we didn't get our file submitted into underwriting until about a month and a half later (2 business days before our closing date). Yes, we closed on time. But really, that was just a result of my wife and I continuously hounding them for information and updates. If they had just been a bit more communicative with us, I don't think we'd have been nearly as disappointed with the process. The last thing I need to mention here was Kat's response to one of my e-mails, in the 12th hour of our closing process, expressing my concern over the process, and whether we were going to be able to close on time. Kat wrote me an e-mail that started off with 'Slow it down." and then she proceeded to tell me how many other hundreds of files she was involved in processing, and that we should be patient (with 2 days left until closing... with all of the arrangements we still needed to make for service and utility transfers... with the arrangements the SELLERS needed to make to secure an apartment - that is not the time to be patient). Here's the thing: I've worked in customer service for nearly 20 years. One of the very first things you learn is that you NEVER tell a customer that you have lots of other customers to deal with, because it makes them feel small and unimportant. So while Kat and her team got the job done in the end... we certainly took a rocky road to get there.

Michael's Tip: Communication! And a more organized update process - tell the clients what actions are on you, and what actions are on them - likely on a regular (weekly?) basis.

FHA 30 Year Fixed Florida

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Best Experience Yet

We decided to buy a house using our VA benefits through Katherine at FBC. She was able to get everything closed in under 12 business days from the date the offer on the house was accepted by the seller. She was OUTSTANDING to work with Katherine and her team went above and well beyond what she needed to make our home buying experience was the best it could be. When I buy another house no matter were I live I will be going through Katherine.

VA 30 Year Fixed Florida

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