Terrible experience

This was the worst experience buying a home. This is our 3rd home we have purchased. Communication was terrible. Documents that were sent were repeatedly asked for again. We were pre qualified from another mortgage and had to start completely over with rmc. We were not told until we figured it out that they added 4,000$ without telling us to lower our interest rate. On the day before closing at 430pm we were told we were approved. The day of closing we were not told what amount was due for closing until 222pm and closing was at 3pm. Very stressful.

Brittany's Tip: Make sure communication is going to happen and make sure it’s completed before the day of closing.

FHA 30 Year Fixed Florida

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Worst experience ever.

This whole experience was an absolute nightmare and it almost felt like a big giant joke. RMC lost all my paperwork, they wouldn’t provide me different loan options when I asked because “it wouldn’t make a big difference.” As Lynn and her team continued on with this mess, I just felt like the communication got progressively worse. I’m a first time home buyer. Lynn knew how awful Maronda treated me and my family yet, when I asked questions and she wouldn’t let me talk, which then resulted me saying a swear word (which wasn’t even directed to Lynn), she then said if I were her son, she would physically assault me. Lynn also provided me with the wrong numbers, which I only found out after I finished all the paperwork.

Michael's Tip: Explain everything thoroughly and be professional. Take the time. Have empathy. When people are upset, it’s probably not directed at you - they upset at the situation caused by other people. It’s your job to be on the phone to explain things in an easily digestible manner. RMC and Maronda need better communication or they need to find different partners.

Conventional 30 Year Fixed Florida

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Terrible Communication.

RMC as a whole does a very poor job at communicating with their clients and has very inconsistent and unreliable information. My loan officer, overall, was nice. She was AWFUL at being available and i could hardly ever get in contact with her and she did not follow up most times. But she was always nice and polite. However, when purchasing a home and figuring out how you are financing the home, communication plays a major role and that is especially hard to do when you can not ask questions or talk about your options with your own loan officer. Its even more terrible when your loan officer decides not to be available to you during your week of closing. So i am passed around from person to person with no one with any knowledgeable information of my file to be able to even help me in the slightest. And any time i requested something outside of my loan officer or asked for confirmation or questions in writing, they were all ignored or dismissed. I am truly not a fan of how RMC conducts their business.

FHA Florida

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Marcin and Mara

Not a great experience, lack of communication and honestly just to many issues to list

Marcin's Tip: Stay away from RMC mortgage and all employees that work there.

Conventional 30 Year Fixed Florida

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4713 Trout Lily property

Extremely difficult process with sub-standard communication

Conventional 30 Year Fixed Florida

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Great service

Personal service and friendly attitude.

Salvatore's Tip: Really good guidance.

Conventional 30 Year Fixed Florida

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Excellet Services

We are very happy with the entire processing process, which was very efficient and very effective; every question or doubt, we always receive a prompt and punctual response.

Adriana's Tip: keep everything in order and your documents updated so that the process is fast and efficient

FHA 30 Year Fixed Florida

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Outstanding

Thank you very much Lynn, You did a fantastic job, Ann-Marie and I really do appreciate your efforts in some vexing circumstances. Doubtless, that you have to handle the financing of two homes to the same person in a six-week period of time. Let's put it this way, we will not purchase another home unless you handle the financing'. Thank you very much, Ennio and Ann-Marie Cantore

Conventional 30 Year Fixed Florida

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Great team!

Lynn Tosi was amazing, she was so patient and helpful every step of the way. Thank you!

FHA 30 Year Fixed Florida

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Great, Stress free process!!

Working with Lynn Tosi was a pleasure from start to finish, although applying for a mortgage is a process. Lynn is a straight shooter and very informative with any and all questions. She responded to all inquiries in a timely fashion. Would definitely recommend her and FBC Mortgage to anyone in the market for a mortgage.

Ferdinand's Tip: Be prepared to provide documents in a timely fashion as to ensure the process goes smoothly.

FHA 30 Year Fixed Florida

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Excellent service

Thanks for helping me out getting my first house and being so professional.

FHA 30 Year Fixed Florida

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Alone/Frustrated

Buying a new house from MARONDA was a painful process.Communication was sporadic.When I call they directed the calls to another person.They lost two checks for down payment, and I need to submitted bank evidence for the cashed checks.Never offer the opportunity to negotiate costs involved, including almost $9,000.00 to an agent that I didn't hired. Closing was a nightmare, it was 4:30 p.m. and I didn't know the exact $$ amount to present at the closing.Finally the closing was held after 6:30 p.m. four hours after scheduled time.That meeting was a positive experience.

FHA 30 Year Fixed Florida

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Amazing service

Excellent in keeping contact and helping you with any questions you have, really easy process and very helpful

FHA 30 Year Fixed Florida

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Exceeded expectations

Lynn and the entire team with FBC was wonderful. She was quickly to answer any and all questions no matter how many times we asked the same thing. Process was smooth

FHA 30 Year Fixed Florida

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Run away like you saw the plague

My experience with Lynn Tosi at FBC mortgage was horrible. We decided to go with them in November of 2019 since they were offering the most competitive rates with Maronda homes as our builder. When information was requested from us as the consumer all documents were provided within a 24 hour span and calls returned in a timely manner. Fast forward to March of 2020 our home was supposed to be ready first week of May still hadn't heard anything from our loan processor. Made the outreach to her only for her response to be everything is on track nothing new needed from your side. Due to the Negligence provided from Lynn closing on our home was the worst experience we've ever had. The experience wasn't horrible because of documents requested or items questioned.But because of the lack of concern or care for us as the consumer. She was extremely rude and unresponsive to emails or phone calls. In one of our conversations were a breakdown was requested for clarity her response was "It's in the email I sent you read it". Our closing was at 12pm on Thursday May 14th the title company did not receive the appropriate documents from FBC until 4pm that evening. FBC deliberately held the documents and waited till the last minute to request information from other 3rd party companies. At which point in time we were rushed through all paper work without a through explanation of what we were signing.  We had to follow someone for keys an hour out of our way, still have no information on how to receive mail, and were not allowed to complete our survey appropriately because of their rush. This mortgage company has left an abominable taste in my mouth and we do not plan on recommending them to anyone. For the amount the contributed towards closing cost we were better off changing them for Navy Federal.

Jashima's Tip: Avoid them unless you are assigned to a manager from the very beginning.

FHA 30 Year Fixed Florida

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Great Company

At first, it seemed as if the process was rocky, we didn't have a lot of communication with FBC but once the building process for our home was completed we were in constant communication with FBC. They helped us along the way even with the current pandemic and the feeling if uncertainty Lynn and her colleagues kept us informed every step of the way until we closed.

Roniel's Tip: If you feel uncertain or have any questions, just call FBC even if you do not get a hold you loan officer other employees are just as qualified to help.

FHA 30 Year Fixed Florida

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Poor communication

Didn’t get notice of multiple people that were working on mortgage

Donna's Tip: Introduce all people working on loan and those from title company with accurate phone numbers

Conventional 30 Year Fixed Florida

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Thanks for a great loan transaction!

We had no issues with Lynn Tosi and her colleagues. Great friendly professional staff!

VA 30 Year Fixed Florida

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My experience

It was our first home here in the United States and we were like scared because we didn’t know how the buying process was going to be. Our loan loan officer Lynn Tosi was always very kind and helpful in the entire process. She made this experience more smooth for us and gave us piece of mind.

Veronica's Tip: Get assistance from well known lenders.

Conventional 30 Year Fixed Florida

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Mortgage

It’s an excellent mortgage company

FHA 30 Year Fixed Florida

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Exceptional Customer Service

My Husband and I closed on our first home with FBC mortgage. Our loan officer was Mrs. LynnTosi and she was phenomenal! Very professional, informative, and knowledgeable of the entire process. Anytime we contacted her with a question, she was there to answer, rather it was via email, phone call, or text message. We are so grateful for her and her entire team! Thank you again Mrs.Tosi for making our dream come true!

FHA Florida

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