Top Loan Officers for FBC Mortgage, LLC
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Reviews for FBC Mortgage, LLC
Fast process
Esigning and PDFs make the process easy.
Loan Officer
VA Florida
Excellent and thourough service!!!
This is my second time purchasing a house and I must say that the level of service provided was top notch. The staff was always on point with action items, and held my hand through the process. The communications were always professional and prompt. I would definitely recommend FBC to anybody looking for home finance.
Loan Officer
FHA 30 Year Fixed Florida
Knight
This is not the first mortgage I have done with David. He is professional and very easy to work with. I recommend him very highly to all my friends.
Conventional 15 Year Fixed Florida
Manor Parc
The service was awesome!! The only thing that was tiring was having to send the same documents 2 or 3 times
FHA 30 Year Fixed Florida
New Home
Seemed to be competitive rates and the best incentive was to have some of the closing costs paid for by the builder/lender.
Conventional 30 Year Fixed Florida
Great service and Fast approval
I had a great experience with their service. From start to the end they answered all of our questions. Process was fast and we were able to close our loan in less than 2 months.
FHA 30 Year Fixed Florida
Excellent Customer Service!
Pamela was able to guide us through the whole process, from beginning to end. She is very knowledgeable, patient, kind and very understanding. We are extremely grateful for her assistance.
VA 30 Year Fixed Florida
Great loan officer
Highly recommended, great service by Pamela she was very attentive and communicated to us all the way to our closing date.
VA 30 Year Fixed Florida
Closing Coordinator
Our buyer came into us with a very tight timeline to close. They wanted to move the closing date up...which of course, requires lender cooperation. We were able to move the closing date up 19 days, and there was no difficulty at all. Very impressive!
Conventional Florida
Exceptional Service
Scott Kennedy has been a pleasure to work with. He is extremely knowledgeable, professional and provides excellent customer service. He Is readily avaibile to answer any questions or concerns and makes the loan process easy as possible for home buyers. I will definitely recommend clients to him in the future and I look forward to working with him again!
FHA Florida
Lender Critique
First, let me say that I was completely ignorant of the lengthy process one must complete to obtain a home loan in today's market. FBC Mortgage painfully enlightened us. To be fair I must commend them for their patience, hard work and professionalism under a very tight deadline. Unfortunately, there were multiple employees to deal with, which I found annoying because I was not sure each knew what the others were doing. It was a tedious, inefficient, redundant and time consuming process. Our last experience with obtaining a home mortgage occurred two years ago in Maryland. We used our federal credit union, where we walked in without an appointment and in less than 20 minutes were approved for a higher mortgage amount than we got from FBC. We did follow-up with some required paperwork, but only a small fraction of what was required by FBC. Our credit union experience was one person, limited paperwork, quick approval, and no frustration. Our FBC experience was the opposite. Had it not been for a strong recommendation from our builder and the lure of funds toward closing costs, we would not have considered FBC, and even now I am not sure it was worth the trouble. Second, we were more than dismayed by an error in our preliminary closing documents. We originally pointed out a $10,000 omission in our deposit amount, then later in the process, the error was still there. Mistakes of this nature should never be made, because it was identified, mentioned, and expected to be corrected. If reflects poorly on a company's process, or at least their quality assurance. As a customer, when I find one error, I feel there are likely to be others. We had to spend an inordinate amount of time carefully reviewing all FBC documents. Considering the amount of money, I think more time reviewing and checking should have been taken by FBC. Third, I understand that this was a rushed project. Let me be clear. The short timeline closing date was not a deadline imposed by us. Perhaps, it was the builder's deadline to get the house off their books by the end of the month, or not. No matter, if FBC Mortgage needed more time to process the loan, then they should have said so up front. Rushed projects more than likely lead to errors. In addition we were tasked by FBC with multiple requests for immediate action/attention/information. The ultimate aggravation for us was having the final closing documents from FBC emailed to us 11 minutes before closing. Unfortunately, they did not arrive in time, as we were already in the title company office. We had no time to compare the changes to our preliminary numbers. There were many differences which resulted in a three hour closing instead of perhaps 40 minutes. FBC was not at the table, so their time was not wasted, but ours was. Finally, here is a suggestion. I recommend FBC provide future loan customers with a complete, detailed list of all of the information they require at the beginning of the loan application process. The repeated, piecemeal, redundant requests for information is both inefficient and aggravating to the customer. You may want to consider forming a process action team to streamline your operation . . . just a suggestion.
Francis's Tip: Compare rates with many lenders. FBC did not provide the lowest rate. In fact they only reluctantly lowered their rate to match our credit union's rate, but then tried to pull back the promised closing cost help. I consider this poor business practice. In the end I found several companies with lower rates, so compare, but be sure to get all the facts as early in the process as you can, and write down all promises, and hold them to their promises.
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.Loan Officer
Conventional 30 Year Fixed Florida
Excellent and prompt service !
Ana Maria was extremely helpful in organizing an expedited process to get the mortgage loan approval ready for the target closing date of Feb 28 (less than 25 days from the application initiation)
Francisco's Tip: The key is open and continuous communication. She provided us an effective coaching to complete the complex documentation related to our application.
Conventional 30 Year Fixed Florida
Review
Very efficient, response time was immediate to questions.
Conventional 30 Year Fixed Florida
A+
Mr. Bocci and his team were very proactive, efficient, and professional in processing our loan documents in an effort to meet an aggressive closing schedule. We would highly recommend their services to anyone.
Conventional 30 Year Fixed Florida
Smooth Process and Wonderful Team!
As a first time home buyer, I had so many questions about the lending process. FBC was great in that they were very up front about everything; so much so that during closing, my closer even commented on how transparent that they were about everything as she was explaining all of the forms to me. Karen from Team Heath was wonderful. Throughout the entire process, Karen was readily available and always willing to answer my MANY questions and explain things thoroughly. She was so pleasant and she made me feel at ease during what could have been a stressful process. In addition to the aforementioned, Team Heath rocked in that they had everything processed and approved for closing in less than 30 days! Thank you, Karen & Team Heath!
Loan Officer
Conventional 30 Year Fixed Florida
