Reviews for FBC Mortgage,LLC
New Construction Review
I was introduced to FBC Mortgage, LLC by Park Square Homes (PSH) in January 2018. I had recently gone under contract with PSH and had selected a loan officer from another mortgage company, but was advised in order to receive funds for closing from the seller, I was required to use FBC. I was not happy about this as I had been working with the same LO since October 2017. My initial contact with a LO from FBC fell short of being amazing or pleasant. The LO spoke very fast and did not take the time to explain information to me, and I advised the seller I did not want to work with that individual. I was transferred to another LO who I worked with over the next few months. There were many delays in the building process which had nothing to do with the lender. However, in November 2018 in one of my conversations with the LO it became apparent that he had become frustrated and some of the comments made during this conversation made me very upset. I felt that when you are in the process of purchasing a home, regardless of how frustrating the process may become, the LO should remain professional at all times and keep in mind that most consumers understand what they can & cannot afford. Also, if you have been working with a consumer for quite some time, you should understand how to work with & communicate with that individual. The seller advised that the LO may have been frustrated because there had been so many changes and delays, but I advised there was no reason for him to speak to me the way he did. I requested to only work with the branch manager Matt Andre, who was simply a joy to work with. I wish I would have started the process with him as he understood my needs, and the fact that I did not want more house than I could afford. I also shared my concerns with the seller and the lender regarding my interest rate not being locked, as it increased my monthly mortgage payment. If the seller and lender have access to one another's systems, they should be able to communicate a lot better in terms of what stage of the building process the home is in. The seller also questioned why the rate was never locked, which is what sparked the conversation with the second LO in November. Overall, working with FBC was okay but it would have been better if I had worked with Matt from the beginning and if the processor did not ask me for information that I had already submitted. This happened on three different occasions and it was very irritating. I would only recommend FBC if you are able to work with Matt Andre.
ToCarra's Tip: Keep a paper trail of all documentation that is submitted and know who you submitted information to.
Conventional 30 Year Fixed Florida
Victor provided great customer service and helped me purchase my home!
FHA 30 Year Fixed Florida
Overall excellent first time homebuying experience!
Everyone with FBC mortgage was extremely knowledgeable, friendly, and helpful. Sam Komar, my loan officer was more than willing to answer my constant calls and texts as I had various questions throughout the process. Regardless of the hurdles we came across, he was able to keep me calm and confidently saw us through to the end. I doubt any other company and group of people could’ve done a better job! I would highly recommend FBC mortgage!
Erin's Tip: Follow their lead and produce all documentation in a timely manner. Everything will go smoothly!