Reviews for FBC Mortgage, LLC
Working with Matt and FBC was a pleasure. They made being a first-time homebuyer easy, and I am happy to say that the process was made much easier because of them.
Chelsey's Tip: Keep close tabs on your email during the process
FHA 30 Year Fixed Florida
The most stressful event of my life
The 2 star rating is because we actually closed on time despite our loan nearly falling apart towards the end and had some miracle workers above April who fixed the problem. I could write probably a 2 page paper describing the events that transpired with our loan but I'll keep this short; no one should ever fear they might not get their house 3 days before closing then fear again a day before closing because of the way she handles loans. We caught her in a very big lie and found out a day before closing what she did with our loan, the entire process up until the week of closing was smooth with some bumps but overall pleasant until the very end when we had to practically wrestle for our 1003 forms that we were told we could see "tomorrow" or "tonight" and were being told that a week prior then the last day told they'll be at the closing table. Not once did we actually get to see them and found a massive problem less then 24 hours before signing because we had to get our realtor on it and find out why we still don't have them. In the end the problem was solved by the people above April but we had to sit at the signing table nearly 4 hours waiting on documents and approvals. A very stressful string of events days before close that had my partner nearly in tears, again the problem was fixed and we're very happy with the outcome but all could of been avoided had our lender been honest at the start and could of taken our business elsewhere.
Derek's Tip: First time home buyers beware. Have everything in writing (i.e text messages), every conversation and agreement
Conventional 30 Year Fixed Texas
First time home buyer
I was searching for a home, I submitted a questionnaire to the Builder the contact me right away gave me an appointment to come in. I was introduce thee FBC Mortgage LLC, they was courteous and professional. FBC walk me through the process with every questions I had it was explain to me in detail. I recommend this Lender.
Beulah's Tip: Speak to the Branch Manager. If you are a first time home buyer or in the market for a refinance ask questions regarding housing market trends.
Conventional 30 Year Fixed South Carolina
Mr. Castro was phenomenal!! He is extremely knowledgeable, patient and caring. He maintained contact with us throughout the process and never hesitated to answer any questions or address any concerns we had. He was always reassuring, especially when I became impatient. I would highly recommend FBC Mortgage and I plan to do so.
Dinita's Tip: It is impossible to improve upon excellence
FHA 30 Year Fixed Nevada
Finding Home in FL
Our loan processor (Kevin Houck) is great. We had many questions regarding the loan and paperwork. He is very diligent and is always available to answer our questions. Without him we could not purchase our house in FL.
VA 30 Year Fixed Florida
Out of state
Everyone we dealt with throughout the mortgage process were very nice, kind, patient and dedicated to getting us our mortgage easily. It was an easy experience as they kept it calm and doable for us as we are out of state.
Philip's Tip: Stephanie and Shelley make you fell like a friend. Ask for them.
VA 30 Year Fixed Florida
Great Home Mortgage Service
Kept informed of the loan processing and worked hard for timly closure after many delays
VA 30 Year Fixed Florida
Friendly but sometimes unclear communication
Clayton and his team were helpful and friendly but I was sometimes frustrated by the unclear or slow communication. But, everything worked out in the end and we got our house, so all's well that ends well!
Excellent Service & Professional
It’s not often that I’ve run into someone who seriously know their profession and makes it look so easy! Mr. Greg Balawajder does that! As an experienced buyer, I recognize when someone knows more than I do and teaches me something during the buying process! Greg did that! He knows his profession and displayed it to the utmost! Never has my buying process been so smooth, timely and in order! This young man should go far in his profession. I am so well pleased that I recommend all my family and friends to him! Thank you Greg! You’re a hope for the mortgage industry. You the Man!
Anthony's Tip: Be up front about your finances and let them work for you!
Conventional 30 Year Fixed Florida
Kevin and Heidi were very easy to work with, they were on top of everything. Great customer service. They kept me involved in every step of the process.
FHA 30 Year Fixed Indiana
GA to OK
We had a house to sell in GA and our buyers had a house to sell in order to purchase our house. There were a lot of moving parts in the process of us selling and buying.
Randall's Tip: Kristen was very helpful and good at returning calls, emails etc. We felt confident in her abilities and she made the process as easy as possible.
Conventional 30 Year Fixed Oklahoma
Is this the home value
Adrian's Tip: They did a good job
FHA 30 Year Fixed Ohio
Poor Service, and scamming for a higher interest rate
I was disappointed with the service. We went with FBC, because it was the preferred lender for 13th Floor Homes. Also our Agent said it is better to stick with the preferred lender, as they know all the ins and outs of the builder. That it will be a smooth process. Well, very close to our closing, a little too late I thought, I received a call from Jorge to "lock in a rate." I called him back, and got his voicemail, which said "don't leave a message, Im on vacation????" I called the other person who's name was mentioned on the outgoing message, his assistant I believe, Anna. She never called me back. Then about an hour later, Jorge called me and said that he needed to get on a computer, and will call me within the hour in front of a computer. I waited over two hours for him to call me back. All this time I am out of town on a business trip, and don't have a computer. But use my phone as one. He quoted me 5.25%!!!! And told me I could "buy down" the rate to 4.70%. I said that was way too high. I was not happy with this rate. He did a big sigh, and said "Well if you can get me lower rates from re*****ble companies, I might be able to take it up the chain and see if I can get a lower rate for you." I was shocked and pissed. He wants me to do the work, like it was a game. I really didn't have the time, as I was on my business trip. But boy did I start the research. I felt like he was cheating us. I actually got busy, on my phone, and spoke to two different mortgage companies, and also did a Bank Rate and Zillow profiles for loans. ALL came back between 4.25% and 4.75% NOTHING was 5.25%. I got a total of 4 actual quotes from other companies, and the Zillow and Bank Rate Profile. One Mortgage Company even went so far as to say he was a crook, and trying to cheat us. I was so mad. My Real Estate Agent even contacted his lender, and she was lower. EVERYONE was lower than the preferred lender. And here's the thing, remember I said I thought he was calling kinda late, ALL the other lenders I contacted for better rates gave me two days to decide, because otherwise it was outside their 30 day window for approving loans. I didn't know that there was such a thing, and lenders need time, and wont take on the business if they cant help you, and they need 30 days. Jorge knew this, so he was putting me into a corner, and realizing that even if I found a better rate, and started the WHOLE loan process with someone else, they may not be able to make it work in 30 or less day. Very funny tactics of Jorge. Dishonest I, and everyone else I was dealing with, thought. We even called the builder, 13th Floor Homes, and got some joke of an excuse about this mortgage company and this agent. They didn't even help out. So, I sent all the info to Jorge, all the better rates that I received, all the emails, etc. He then comes back with 4.9% but I will loose the $2,200 credit from the preferred lender for closing costs. Again, cheating us. I said NO, I still wasn't satisfied with that rate, and there was no way I was loosing that $2,200 for closing costs. I also was still on my business trip. I went from Tampa, to Austin to San Francisco all going back and forth with Jorge, and him not returining my calls. Finally before boarding a flight back to New York, did we get it down to 4.75% keeping the $2,200. Now mind you, this was still higher than other quotes I had gotten, but it was now four day gone by, so the other lenders told me they couldn't help me as it was less than 30 days. So I had to go with Jorge and FBC. So I took the rate of 4.75%. I am very dissatisfied. I don't trust him, and I am going to urge 13th Floor Homes to reevaluate their "Preferred Lender." I know that other home buyers probably took that ridiculous rate of 5.25%, just because they don't know how or what to do in the home buying process. And they got swindled.
Gregory's Tip: Get a back up Mortgage Company in advance. ONLY go with FBC if they offer something at closing, otherwise there is no reason to go with them. The "preferred lender" status is a joke. Sure we only had to put down 5% when we signed the contract. If someone doesn't have the 20%, then that may be worh it, but we had it so that wasn't an issue.
Conventional 30 Year Fixed Florida
James was very friendly and professional, he help thru all the process
Conventional 30 Year Fixed Georgia
Informative and compassionate
I would like to first start with how meeting Eduardo during a very difficult time in our lives lead to a great working relationship. Eduardo was very sensitive to our situation and understood we had little to no knowledge as to how this whole home buying process works. He explained every step in layman's terms so I could understand exactly what was going to happen and how it was going to happen. He made our journey easy and uncomplicated. Thank you Eduardo and the entire team at FBC Mortgage!
Alecia's Tip: Please ask questions, they are very knowledgeable and will always answer your call, even when it is after hours.