Reviews for Roger Wagoner
My unusual financial situation makes getting a loan more difficult for me. Roger Wagoner and his team were professional, patient and persistent. With their hard work they were able to able to get me the loan that other companies might not have. I have only high praise for them.
A few days before closing, I got an email from the lender saying my rate had gone up because my credit score was lower than when we started the process (had a large balance on my credit card which is used for work but was paid off before closing day). I have asked both loan officers to push closing day 1 week which was enough time to try and get the lower rate, the next day the loan organizer agreed to help and try to fix the issue. However, the following day both loan officers insisted (with a bad attitude) that we close on time, the execuse is that the raise in rate was minimal (that raise increased my payment which comes out of my pocket). I had a hard time dealing with them and getting details, especially when I first signed the docs which stated that my rate is fixed and cannot go up. I have no trust in those guys and I felt like being ripped off. My first home purchase was a nightmare experience because of them. After all that, on closing day, I signed all the paperwork and wired the money because I am traveling for work. Since then, I have not heard anything from the lender, they did not congratulate me for buying the house or even tried to make me feel confident about them. I regret doing business with them.
Lender ResponseWe apologize for your experience with FBC Mortgage, LLC. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage, LLC.
Conventional 30 Year Fixed Florida
3 days before closing, I get an email that my rate has gone up because my credit score got lowered (had a large balance on my credit card that was used for my job, balance was paid off before closing day). I have asked to push the closing day further 1 week so we can run another report at which my score jumped back up and I would get the original rate. At first, the load organizer seemed to want to help straighten it out. However, the next day both loan officers gave me a hard time about it and insisted we close on time, the execuse is that the raise was minimal and wasn't going to change much (the raise increased my payment and that is coming out of my pocket not theirs), they also had a bad attitude helping understand how things work since it is my first time buying a house. I am not happy at all especially that it is my first home and it was a nightmare experience. I have no trust in them and I made a mistake not going with a different lender like Wells Fargo. On top of all that, after wiring the money and closing on the house, I never heard from either loan processors to tell me it was all done or congratule me on buying the new home or even make me feel a little more confident about all of this, very unprofessional.
Laith's Tip: Save yourself the trouble and worry, go with a bank that will treat you better and you can, perhaps, trust.