Scott Fosgate

88% of customers would recommend Scott Fosgate

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Customer Reviews

4.8 of 5
85 Reviews
Responsiveness 96%
Product met needs 99%
Competitive rate 97%
Real Estate Pro Reviews 24
July 12, 2017 at 9:01 AM
Recommend's Scott

FBC is amazing!

This is our forth home purchase and was the easiest. From start to finish, everone was very friedly and helpful. There was a small hiccup (my fault) the day of closing and they were able to correct it and keep the closing the same day. Thank you FBC.

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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July 12, 2017 at 8:59 AM
Recommend's Scott

FBC is amazing!

This is our forth home purchase and was the easiest. From start to finish, everone was very friedly and helpful. There was a small hiccup (my fault) the day of closing and they were able to correct it and keep the closing the same day. Thank you FBC.

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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July 07, 2017 at 1:18 PM
Recommend's Scott

Outstanding!

Scott, Kevin old(lol), and Kevin Young You and your team have been nothing short of amazing! Expectations are one thing but reality is a bit different! I've been going through a rough time in life but I would not, and will not, recommend any other mortgage team ever! Scott, your organization is basically the NY Yankees of any FBC Mortgage team!!!! Thank you and God bless you all.... Best Regards, John Smeenge C: (843) 514-4322 [email protected]

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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June 01, 2017 at 7:08 PM
Recommend's Scott

Retired Federal employee

I worked at US Treasury Department.

Conventional 15 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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May 22, 2017 at 1:15 PM
Recommend's Scott

Very Pleased

The team I dealt with at FBC mortgage was extremely responsive and willing to be available to answer any and all questions throughout the process. I am quite pleased with the experience.

Conventional Florida
Closed on time
Responds quickly
Loan met my needs

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October 17, 2016 at 9:51 PM
Recommend's Scott

Smooth Refi

Scott Fosgate and his team did not disappoint. We spoke to Scott after disappointment from a previous attempted refi experience and he and his team made sure that we had the complete opposite experience. They were considerate, thorough, and efficient. Scott provided options that he thought would best suit our desired outcome. I would highly recommend them to friends and family.

Conventional 15 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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October 05, 2016 at 2:07 PM
Recommend's Scott

FBC

Kevin was great to work with, very responsive, always able to provide the information that I was looking for!

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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August 12, 2016 at 9:31 AM

Scott Fosgate and Team Did a Great Job!

Scott and his team did a great job. They made the process (relatively) simple and quick. They were thorough yet efficient and effective. Many of my friends have had difficulties and setbacks, including delayed closing dates with other lenders. I had ZERO such problems with FBC. I am quite pleased and I would highly recommend them.

Angelica's Tip: This is not a pain free process -- with any lender. But so long as you timely provide the information FBC requests, things will move along smoothly.

FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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July 27, 2016 at 2:22 PM
Recommend's Scott

Got a tough loan done!

My loan had several unique challenges and hurdles. The FBC team worked very hard and was able to overcome all hurdles and got my loan closed! Great Work!

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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July 26, 2016 at 11:43 AM
Recommend's Scott

Got a tough loan done!

Scott worked his butt off to get my loan done. The loan was complicated with many non-standard parts. He got by the obstacles and got the loan closed! Excellent work!

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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June 30, 2016 at 1:42 PM
Recommend's Scott

Customer Service Rating

FBC Mortage displayed excellent customer service toward my husband and I in purchasing our first home. Scott Fosgate and his entire team worked expeditiously; making sure that everything was properly handled and satisfying to my husband and I. They took the advantage to make sure that we received the lowest interest rate possible. Thank you FBC Mortgage, LLC. You guys Rock!

Reginald's Tip: Choose an excellent and educated Realtor.

FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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May 10, 2016 at 2:23 PM
Recommend's Scott

530 E Central

Pleasant, Professional, Compliant and Responsive at every turn, helping me close a difficult loan. Issues associated with my credit came up with regularity, all dealt with to conclusion, nothing was swept under the rug, and most everything was clearly handled without impunity. I appreciate getting near-conventional terms, arguably less than hard-money-loan rates on a difficult foreclosure credit history. Difficult to impossible with any other possible lenders. We did feel that the Unique scenarios that were in 2010, and continue to be, present in the Florida Market; along with otherwise stellar credit behavior should have compelled a lower interest rate. The 2% origination charge actually made the first year higher than a hard-money loan, but subsequent years were better. We accepted the conditions based on our plan to pay off the loan in 3 years which placed it at a slight (0.5%) advantage to other choices.

Mark's Tip: For loans that were difficult like this, a stronger willingness, or helpful plan, to help repair credit worthiness would be nice.

Other 7/1 Adjustable Rate Mortgage (ARM) Florida
Responds quickly
Loan met my needs

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April 28, 2016 at 12:11 PM
Recommend's Scott

Great Experience

This is the second home loan I have used FBC mortgage and Scott Fosgate to process. Both were a wonderful experience! They were very helpful every step of the way and even helped to close my loan early.

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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April 13, 2016 at 3:34 PM
Recommend's Scott

Construction to perm VA

One of the only companies we could find that would do this type of loan. Friendly staff was always available to answer questions. Slow process, but worth the wait. Great service!

Other 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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October 27, 2015 at 3:05 PM

Not pleasant.

As an applicant for a loan I was in a unique situation. Very young, high income, and buying an expensive property. I know it was hard to get me approved and sort through all of my financials, but I felt the process was much harder than it needed to be. Their team's communication was beyond horrible to put it bluntly. They asked me for financial documents for well over a month, and literally up until the day the loan was closed they were still asking for documents. Not only did they ask for more and more, which was somewhat understandable, they literally asked for the same document over and over again. I had already sent them the documents for specific things, and then they asked for it again multiple times afterwards. Do you not keep your emails? Do you not save documents received from your customers? Do you not communicate with your team and share these emails? I cannot imagine the complete and utter lack of organization that must exist at FBC in order for this to happen. Not only were these issues a problem, but it was always the responsibility on my end to follow up with them. I called them multiple times asking for updates on the processing, where we were, and if they needed anything. It was very rare that they actually approached me with updated information to let me know how the process was going. Luckily my realtor was truly amazing and had a personal relationship with the company, so he kept me in the loop, but I absolutely consider it FBC's job to take care of the customer and make sure they are in the know at all times. It is my impression that they have a chaotic and very unorganized system that makes them unable to satisfy a customer with a complicated application. At the end of the day they got my loan approved and they got it at a competitive rate, which is the only reason this is 3 stars instead of 1. But if I had to do it again I would look for a company that knows what customer service is.

Jumbo 7/1 Adjustable Rate Mortgage (ARM) Florida
Closed on time
Responds quickly
Loan met my needs

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August 24, 2015 at 12:52 PM
Recommend's Scott

Good home buying experience

Overall, I don't have much bad to say about my experience acquiring a home mortgage through FBC. Scott Fosgate was my first contact and very informative and helpful. I subtracted one star just because towards the end of my process, I didn't quite get the responsiveness to my questions that I did in the beginning. I also asked to be a part of the appraisal process, or at least would have liked to know when the appraisal WAS, but my request was ignored. I feel the home I purchased was WAY over-appraised, and I know that's not necessarily the fault of FBC, more to the company they keep.

Nathan's Tip: Stay on top of them closer to your closing date.

FHA 5/1 Adjustable Rate Mortgage (ARM) Florida
Closed on time
Responds quickly
Loan met my needs

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June 05, 2015 at 4:42 PM

VA Loan

I did not get return phone calls in a timely fashion. Service was not friendly and sometimes was a bit rude on the phone. They did not keep me abreast of what was happening worth the loan. Maybe since my loan was a low amount, they didn't feel the need to go all out for me.

Carla's Tip: Carla Thomas was very helpful and seemed sincere when she called... I enjoyed speaking with Ms. Thomas.

Lender Response
We 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.
VA 30 Year Fixed Florida
Closed on time
Loan met my needs

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May 05, 2015 at 10:36 AM
Recommend's Scott

5 stars for a complex transaction

Wanting to keep my writeup simple, that's exactly how Scott made the entire process feel from beginning to close (and we had a complex transaction - home loan + renovation style loan).

Graham's Tip: See my review as that is my firsthand experience.

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs

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April 27, 2015 at 11:21 AM

Great Job- FBC

Did a great job, through the whole process.

Conventional Florida

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