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Reviews for Scott Fosgate
FBC Mortgage made my Refi happen
I wanted to consolidate my mortgage, home equity line, and a few credit cards into one easy payment over a 15 yr term. My mortgage and HELOC was with the same bank and when I approached them, they were reluctant to help and offered me an absurd rate. Working with FBC was easy and efficiently processed. Start to finish took roughly 30 days and the communication was excellent. I worked with Kevin Houck from start to finish and I could not be happier. He was amazing! He explained every step of the process, answered my questions, and helped me sort out a few details that I was very particular about, which made this refi happen. Thank you to everyone at FBC for their help in this process, but Kevin Houck definitely deserves the credit for making this happen for my family.
Conventional 15 Year Fixed Florida
Amazingly Smooth Condo Purchase!!
The entire Scott Fosgate Team made the home buying process such a pleasure. We were Cleared to Close 2 weeks early and we were able to move the closing date UP!! I HIGHLY recommend Scott Fosgate and FBC!
Conventional Florida
Great Communication and Easily Accessible
This is my third time working with Scott Fosgate and his team. I don't know how the service gets better each time. It is truly remarkable that they can make great service even better! Their communication is exceptional. I don't think an email went more than 15 minutes without a response and if I needed to call the office I never had to leave a message as I was able to connect directly with the person I was calling. In a day and age when everything is digital, they are able to really give the personal touch! Would refer them to anyone in a heartbeat!
Conventional 30 Year Fixed Florida
Exemplary service
Short notice, last minute application was processed with time to spare at a very competitive rate. Incredibly smooth and reasonable processing, always with a smile. Wouldn't hesitate to go back for our next one.
Conventional 30 Year Fixed Florida
As painless as possible!
We had some snags along the way, but Scott and his team made things as easy as possible. They were wonderful and I would definitely recommend them!
FHA 30 Year Fixed Florida
Smooth process
Scott and his team were a great asset throughout this process.
Conventional 30 Year Fixed Florida
Very Attentive
This is the second time we have used FBC. Scott and his team were highly communicative and responsive. Would recommend.
Conventional 30 Year Fixed Florida
Scott Fosgate and team at FBC are ABSOLUTELY the BEST!!! Hand down.
Scott, Kevin, Connie and the rest of the team at FBC are absolutely the best. They worked on (2) properties in (2) different states and the process, communications, expertise was awesome. The number of moving part and pieces was overwhelming, but this is a team of seasoned pro's who make it happen. I tell everyone to use FBC and this team. You will be absolutely blown away by them and this great company.
Conventional Florida
great job and help
fbc gave us all the help we needed and made it an easy process and on time. thanks to all.
FHA 30 Year Fixed Tennessee
My Recent FBC Experience
My experience with FBC was wonderful! I love that everything was done online. The instructions were easy to follow, and if I had any questions I could call and my concerns were addressed immediately. Kevin Houck was extremely helpful. He answered my questions timely and professionally.
FHA 30 Year Fixed Florida
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
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
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 johnsmeenge@hotmail.com
Conventional 30 Year Fixed Florida
Retired Federal employee
I worked at US Treasury Department.
Conventional 15 Year Fixed Florida
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Great Job- FBC
Did a great job, through the whole process.
Conventional Florida
