Reviews for Seymoine Schmidt
Seymoine kept things moving pretty well. I did send a couple of questions that didn't get answered. I wondered why the mortgage was at 4.7% when we had been told it would be under 4%. My bank had told us that it would be under 4% also. If we had known that it would be 4.7% we might have taken a different route. By the time we knew that it was higher than we had thought we already had three weeks into the process and didn't want to start over.
Herman's Tip: get the interest rate up front in writing.
Lender ResponseFBC strives for 100% customer satisfaction. Our compliance team has reviewed your comments and addressed them with your loan team. We will be using this as a training opportunity. Thank you.
Conventional 30 Year Fixed Florida
Worked out .... finally
Had some bumps along the way which resulted in unnecessary delays, extra work for me and stress/anxiety which affected my PTSD. Some lack of communication but generally OK in that regard.
Anthony's Tip: Get an acknowledgement of receipt for all documents that you send either electronically or by other means. Ask to be updated on a regular basis.
Lender ResponseThank you so much for your feedback Anthony. We appreciate the transparency and always want to improve on our communications and service levels. We are very pleased to hear that you are happy with your loan terms and your purchase closed on time and you are now in your new home. We will look back at what we can improve on from a communication and documentation standpoint to better improve our processes. Thank you again for trusting us with your mortgage and we hope to earn that opportunity again next time and build from this experience for you. Congratulations on your new home and we hope it brings you many happy memories for the years to come!
VA 30 Year Fixed Florida
Rock Star Service
Seymoine goes above and beyond to assist all involved in the transaction. She is very knowledgeable on all mortgage products and always available to her customers. Her positive attitude is an asset especially during, what can sometimes be, a very stressful time for Buyers.
Niblett review of FBC
The three ladies involved with out loan, Seymoine Schmidt, Marcy Hunter and Julie Mycroft, were truly excellent and responsive and efficient in working with me to get the task accomplished. In addition, they displayed a refreshing sense of humor and patience when I vented about the many absolutely and unnecessary stupid questions asked by the underwriters. Truly a waste of time and patience for all of us.
Charles's Tip: Educate the underwriters to ask meaningful questions and not waste everybody's time and patience. This loan is 7% of our net worth, and the underwriter was chasing a $30 late payment fee!! The property was appraised at $365,000 and our loan is $276,000. If we went bankrupt yesterday FBC already has a profit of $89,000, and they are chasing $30??? Get real here!!!
Conventional 5/1 Adjustable Rate Mortgage (ARM) Florida
Great Team To Work With
Seymoine was great to work with along with Julie and Marcy. They made the process easy and delivered as promised and on time.
David's Tip: Have your documents in order. It really helped that I had a number of tax years and other documents already available.
VA 30 Year Fixed Florida
My husband and I were securing a loan from our home in PA. All our dealings with Seymoine were long distance via phone and email. In spite of that, she ensured we received all the pertinent information in a timely fashion. She provided documentation and answered all our questions quickly and thoroughly. Although I knew that it was likely that our mortgage would be sold to another institution, I sure will miss dealing with Seymoine. Her follow-up, mastery of the mortgage types and processes, and her outstanding communication skills made our application process easier than we anticipated. Often, if I was very worried about something, I would call her. She would walk me through my issues and I always felt much more educated and less worried after our conversation.
It was a pleasure to work with Seymoine and her team from FBC Mortgage. She was very knowledgeable, helpful, and responsive. My husband and I were first team buyers, and without the assistance from Seymoine and her team, we would have been lost! We were extremely grateful to have them guiding us along the way. We were able to close in 30 (just like we planned) without any hiccups!
VA 30 Year Fixed Florida
Living a dream
We really appreciate the work that was done to get our loan. Seymoine Schmidt was very professional and very helpful. I know I will recommend her to anyone I know that is interested in buying a home or condo here in Florida. Working with her was very easy and she made us feel like we were her only clients. She returned our calls right away. Thanks to Seymoine we are in our new home. Thank you Seymoine.