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Reviews for Michael Lyons
JetHomeloans experience
I decided to go with JetHomeloans, the preferred lender for DreamFinders after careful consideration. The experience was good up until the very end. They pay 100% of your closing costs which saved us $18,000. Where things went wrong was communication at the end near closing. Underwriters were asking for information at the very end that should have been handled much earlier in the process and closing was rescheduled 3 times- once because of a delay on the builders part, twice because the lenders were not ready. We had to reschedule furniture delivery and internet installs and endure extra stays at a hotel as we were homeless as we waited to close. The loan officer showed zero empathy for what we were going through and seemed unconcerned for our situation. Communication between the lender and title company was pretty much non-existent and we had to act as the go-between with these two parties just trying to get the closing paperwork over to the title company so we could close. We eventually closed 8 days after our original closing date and only a day late due to the lender not getting the paperwork to the title company on time.
James's Tip: Expect smooth sailing until you approach closing, then be prepared for a barrage of last minute ASAP requests from the lender and a lack of communication and possible delays at or near closing.
Conventional 30 Year Fixed Florida
Great communication
Michael Lyons was amazing from start to finish. He was extremely professional, and prompt in communication!!
FHA Florida
Consider all your options
Initially had a great experience with the process and easy to use upload portal. Communication was good. Things then changed later in the process as we got closer to closing. Once rate was locked in, we should have had final figures for closing. We didn't get final figures until an hour before closing and they changed the structure of our loan last minute on us. We were forced to close that day by the builder otherwise we would have lost our deposit. We were also purposely told the wrong amount to wire in requiring us to go back and send anther wire on Saturday.
Brian's Tip: Find another lender. I know it's hard with new home incentives, but communication and clarity are more important.
Lender Response
Mr. Kittle, thank you for sharing your experience with us. Exceeding our customer’s expectations is the core mission of our company and we are sincerely sorry we failed to exceed yours. I personally handed your feedback over to the leadership team to make us better. If you would like to discuss your experience further, I am available and ready to listen. Please call me at 407-284-4893 or email us at [email protected]. Our hours of operations are Monday through Friday 8am to 6pm (EST)Conventional 30 Year Fixed Florida
Terrible Mortgage Experience
Ended up paying cash for the home. The loan terms were high (I had a lender tell me that they could do for almost half a point less and less closing costs), but more importantly the process was super uncoordinated and until they needed something from me I never heard anything. The day of closing I had someone ask me if I was in Florida (which I was not) despite my repeatedly informing everyone. Never felt like I was getting the best service or best deal. There were individuals at Jet that were great (eg. Felicia) but as a whole it was not a great experience. Also I asked Jet if I could back out of the loan and pay cash the day of closing and I was told no. But then I called the title company and she said give me 30 min and I can make it happen! Kind of shady. I probably would not take a loan from them if I could avoid it!
Lender Response
Asha, thank you for sharing your experience with us. Exceeding our customer’s expectations is the core mission of our company and we are sincerely sorry we failed to exceed yours. I personally handed your feedback over to the leadership team to make us better. If you would like to discuss your experience further, I am available and ready to listen. Please call me at 407-284-4893 or email us at [email protected]. Our hours of operations are Monday through Friday 8am to 6pm (EST)Conventional Florida
All went well
During this process of home buying was quite stressful but Michael was great through it all. He was very informative and really helped me understand any information that was new. I really do appreciate his professionalism and making himself so available to me and y family.
Other 30 Year Fixed Florida
Exceptional Commitment to Excellency!
As first time home buyers, I cannot say enough about the high level of professionalism we experienced while working with Michael Lyons at Jet Home Loans! We knew from day one after speaking with Michael that we were in good hands and we were right! Every step of the loan process was smooth and completely taken care for us, which made this an enjoyable experience. Buying a home can be a stressful time, but when we had questions, Michael went above and beyond to answer them and explain in detail what everything to assure us in the process. We will definitely recommend Jet Home Loans and Michael Lyons to our family and friends and hope to work with him in the future again as well!
Gabriel's Tip: Trust the process and be quick to respond to requests which helps everyone in the long run.
Conventional 30 Year Fixed Florida
They know what they are doing.
Having Michael and his team taking care of my mortgage process was a blessing. Michael showed me options to get everything done properly, save money, and be on time, even in the most uncertain moments. Highly recommended.
Marcos Vinicius's Tip: Trust them. They will guide you to get the keys.
Conventional 30 Year Fixed Florida
Excellent Service.
Michael and his team are amazing. Easy to work.
Conventional Florida
Residential Loan
Buying a new home and relocating to a new state can be stressful but Michael Lyons with Jet Loans made the process as easy as possible. He guided us every step of the way and explained each facet along the way.
Alberta's Tip: Gather all your documents and be prepared to upload them. Technology can be tricky sometimes so bring patience to the table.
Conventional 30 Year Fixed Florida
Thankful
We couldn’t be more thankful for our loan officer Michael. This whole process was a lot smoother because of him. He gave us the confidence and wisdom we needed to get approved. Everything else was smooth sailing. We are forever grateful for the service given. Highly recommended!
Christopher's Tip: Be organized. Have everything ready. Keep all your documents in a folder ready to go at anytime.
FHA 30 Year Fixed Florida
Satisfied
Micheal was very helpful and replied fast to all my inquiries. Closed on time and everything was so far so good.
NEVINE's Tip: You have to be patience as they keep asking for lot of the same documents again until the last day before closing. Don’t get stressed, just keep going on until it’s done!
Other 30 Year Fixed Florida
Bumpy but funded
My experience with Jet was not the best. The Loan Officer was responsive to questions but was usually dismissive and had a standard "that is just the way it is" attitude. My wife and I have excellent credit and the underwriting process was pretty seamless but the closing was horrible. The day of the closing ,that was known and confirmed by Jet over 2 weeks in advance, was pretty bad considering the Loan officer either did not schedule the final inspection or forgot to do it so our loan was not funded right away. So we sat for an hour while the Title office called anyone that they could at Jet....no answer. Finally after 90 minutes our loan office was contacted and said "ummm.. could you go to lunch and come back later after we get the inspection down on your newly constructed home? We cannot fund it until that is done...I apologize for the inconvenience." So I am not sure if this is a Jet problem with process or just an oversight from the Loan Officer. Either way.... this is not acceptable to be at the Title office and having to wait on your lending company to fund the loan. After leaving and fuming while I got into the car to go to lunch , we get an email saying "Ok we will fund the loan and make an exception" I would hope so , because it was their fault this hold up happened. After 30 minutes of signing documents and 90 minutes of wondering what JET was doing with the funding of the loan, we final got our keys and moved in. In summary...I would NOT recommend Jet. The only good thing out of the process was that the lender paid many of the closing costs if we used this lender...now I know why.
Conventional 30 Year Fixed Florida
Do use if you have another option
This was the 4th time we've gone through the mortgage process and I hope it's our last. But if we have to go through this process again Jet Mortgage will not be on our list. Mr. Lyons and Felicia lied to us. They played with the closing date changing it from what the builder told us. The builder said the closing date was to be around 30 Dec 20.Shortly after we decided to go with Jet and not Chase and the appraisal was done, the closing date went to the 11th then the 18th of Dec 20. I knew that was a lie and told them that they can close on that date but we weren't. The house was not scheduled to be finished until just before the closing. Furthermore, Felicia put our loan number and exact loan amount with someone else's information that had a prior foreclosure in Deltona FL.. We've never lived nor owned property in Deltona FL. no have we ever had a foreclosure in our lives. She also lied to me about having to "verbally" verify my employment with me when I had already furnished their company with the verification access from my employer. (I'm still waiting for her call and we've already closed). We had the money but decided to go with Jet because the builder paid the closing costs. But maybe we shouldn't have. I don't know what the future holds for Jet Mortgage and I wish them well. But maybe they shouldn't hire people like Michael Lyons and Felicia. Anyways we're moving on and putting this behind us. Despite of it all. Happy New Year to all!!!
Angel's Tip: Look elsewhere!
Conventional 30 Year Fixed Florida
