Top Loan Officers for FBC Mortgage, LLC
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Reviews for FBC Mortgage, LLC
First time home buyer experience
As a first time home buyer I was very nervous and anxious throughout the process. Kerwin did a great job keeping me informed and was very helpful.
Shanilya's Tip: Communication is key
FHA 30 Year Fixed Georgia
They made the process simple
I'm happy to have worked with Karen and everyone at FBC. They kept us informed, answer our questions and basically made the entire process simple.
FHA 30 Year Fixed Florida
Very professional
Kevin reached out to us giving us the option to refinance our loan to nearly cut our interest rate in half! Had he not done that we would still have a very high interest rate!
Loan Officer
FHA Kentucky
The Best!!
Kevin was everything I needed attentive, quick response, problem solver overall GREAT GUY
FHA 30 Year Fixed Florida
Great!
Steve was very quick and efficient! Even during COVID, everything got done on time and we did not have any delays.
Conventional Nevada
Quality, Experience and Top Notch Service
We have worked with Brent for several years. His experience, knowledge and customer service is second to none. He makes the process seamless and is always available to answer questions and help. We have gone to Brent for refinancing and when selling/purchasing homes and we will continue to work with him in the future.
FHA 30 Year Fixed California
Great Company. Great People
This was our first home purchase. When other lenders said, "No," FBC said, "Yes." They were a joy to deal with, always professional, courteous, and helpful The entire process was surprisingly easy and with no surprises.
John's Tip: Simple: Call them
VA 30 Year Fixed Florida
Loan Officer Sonya Olson was a very customer focused
Let me start by saying that the mortgage process has changed considerably since the purchase of my last home in 2004 with many more forms and the amount of data requested by the underwriter to approve a conventional mortgage. Our situation was probably more unique than most consumers in that my wife and I were early retirees who had no regular income despite sizable retirement assets and a hoard of cash (5 years of cash to not have to draw down from investments during possible down market - investment sequence risk). Sonya was very creative in how we approached this problem to find a solution to get the loan approved. I will say that I spend at least 30 hours getting documents for the underwriter. At times, I wondered if the "One more set of statements" was going to ever end and provided my wife and I with some angst but Sonya was reassuring and, in the end, the mortgage was approved and closing went off without a hitch. I also competed the rates that FBC was able to get with my local credit union that I had my current house mortgage with and FBC was able to get as good a rate when we locked in (45 days prior to close with a 30 year fixed @ 2.875% and .875 points) and I was happy with the end cost for both closing and the total cost of the loan with interest. My only complaint stems with the underwriter at FBC on my loan who asked for information on two different occasions that had already been provided through the secure FBC uplink vault. This made me question this person's attention to detail and quality. I worked these issues with the loan processor who confirmed that the documents had indeed already been uploaded. Also, because of the 'new normal' of the underwriter having to understand any large transactions of greater than $5K and because we utilize two internet banks in addition to our local credit union to stay under FDIC protection, we had a more complex financial picture for someone to forensically digest. To aid the underwriter, I spent several hours creating a top-level summary CODEC document that outlined each file uploaded and type of asset, and a summary table showing these large dollar transactions (for example, a CD maturing with Capital 1 that had some sent to our Discover Bank Money Market account and the balance moved to our credit union checking account to pay bills). Someone that is experienced should have been able to take this document as a guide and been able to pretty easily understand the movement. Instead, I kept getting additional data requests from the underwriter asking questions that I had anticipated and already answered in this document. It seems like the person either didn't read it or was maybe not very experienced. If anyone from FBC leadership would like to discuss this issue that I had with the underwriter, please reach out me directly and we could like at the summary documents (I also copied in all the questions from FBC into these documents to answer in one place) that I provided and let you judge for yourself for development feedback for the underwriter. Everyone that I personally interacted with from Sonya’s assistant Elaine Soto, to the loan processor Elaine Thomas, to loan officer Sonya Olson were very professional and pleasant. My wife and I plan to spend our retirement in this home so I don't plan on going through this process again but I am glad that we had Sonya Olson as our loan officer to get us through it and I would pick her again if I was doing it again.
Loan Officer
Conventional 30 Year Fixed Florida
Refinance
I want to start off by saying how extremely disappointed we were with going through the refinance process with your company. When we started this process, at the recommendation of others, we made it very clear that we were going to be married in October 2020 and would need the process completed prior to then because we did not want our marital status or name change to present an issue or require us to completely start over. We started this process in August 2020 and felt that should be more than enough time to finalize. We were timely on what we needed, HOWEVER what we were not getting was the expected service from Cynde Velez. On MULTIPLE occasions, we were needing to reach out to Cynde to ask for a status update BECAUSE SHE WAS NOT COMMUNICATING WITH US. How can you go through a refinance when you are needing to reach out to the loan officer more than her proactively communicating with you? THAT WAS ABSOLUTELY INEXCUSABLE AND POOR CUSTOMER SERVICE. On top of this, once we were in the final stages of closing, we had to close and sign paperwork TWICE, ON 2 DIFFERENT DAYS. We had a closing date, someone came out and we signed the paperwork. Might I add that we told Cynde from day 1, the appropriate way my wife’s name needed to show on all paperwork. She was told this on multiple occasions, even through normal day to day contact. So what happens when it was time to close the 1st time, YES HER NAME WAS INCORRECT. ARE YOU KIDDING ME? How many times does a company and loan officer need to be made aware of THE SAME ERROR? There were also other errors in the paperwork, so we needed to advise Cynde. How ironic, Cynde was not being responsive and might I add, our wedding has already occurred and we are trying to do things appropriately. Thankfully Cyndi Parker got involved and helped get items moving forward. So we had to have a 2nd arrangement date for closing. This is not easy with having to work and allocate time in our day for a process that SHOULD HAVE BEEN SMOOTH. I want FBC to know how poor this experience was and Cynde Velez only added to this absolutely HORRIBLE experience.
Xiomara's Tip: Be sure you have loan officers that communicate in a timely and proactive manner.
Loan Officer
Conventional 30 Year Fixed Florida
Just my opinion
Was an easy process. Will recommend FBC to anyone looking fora mortgage.
William's Tip: Have all you info and documents in order.
Loan Officer
VA 30 Year Fixed Alabama
Just my opinion
Was an easy process. Will recommend FBC to anyone looking fora mortgage.
William's Tip: Have all you info and documents in order.
Loan Officer
VA 30 Year Fixed Alabama
Review
Lender and builder worked well together
Loan Officer
Conventional 30 Year Fixed
Very efficient and thorough
FBC Mortgage was very efficient and thorough. Our questions were always answered in a timely manner. We were very pleased with the entire process.
Loan Officer
VA 30 Year Fixed Florida
Awesome experience with FBC
I will like to thank FBC for helping me close on my dream home. Todd Primmer was awesome throughout the loan process, he was always willing to help irrespective of the time. Deb was also fantastic too. Once again thanks FBC for your help.
FHA 30 Year Fixed Ohio
Smooth Transaction
As a real estate professional, I'm always tracking tasks and deadlines for all parties involved in my transactions. It was refreshing to work with Quita who didn't need reminders along the way. She has a proactive approach to important dates and a solution-based mindset. It was a pleasure working with her!
Loan Officer
Conventional Florida
