RMC Home Mortgage, LLC

89% of customers would recommend RMC Home Mortgage, LLC

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Customer Reviews

4.4 of 5
62 Reviews
Responsiveness 90%
Product met needs 95%
Competitive rate 82%
Real Estate Pro Reviews 1

Reviews for RMC Home Mortgage, LLC

2 days ago at 1:48 PM
Recommend's Fargo

Above and Beyond

Fargo was great from beginning to end, answered any questions or concerns I had throughout the whole process... even when it was a builder's issue.

Loan Officer
FHA 30 Year Fixed Kentucky
Closed on time
Responds quickly
Loan met my needs
Branch: Dublin, OH
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4 days ago at 9:27 AM
Recommend's Pamela

Pam is by far the best we have worked with

All I can say is Pam was so helpful and was always available. If it was not for her, I may not have used RMC. Very Professional. With Pam you are in good hands.

Loan Officer
Conventional 30 Year Fixed Florida
Responds quickly
Loan met my needs
Branch: Sanford, FL
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4 days ago at 8:09 AM
Recommend's Dylan

5

The team loan helps with no regret, i really recommended 5 start

Mathias's Tip: I real refere more clients to RMC

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Melbourne, FL
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7 days ago at 2:10 PM
Recommend's Oscar

Oscar robles

It was great working with Oscar he always explained everything properly and always answer our questions it was a great pleasure working with oscar

Loan Officer
FHA 30 Year Fixed Florida
Responds quickly
Loan met my needs
Branch: Sanford, FL
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17 days ago at 8:10 PM
Recommend's Zulma

Amazing service

Everyone was so responsive, thorough, and organized. It was such a smooth transaction!

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Melbourne, FL
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19 days ago at 4:56 PM

Need better communication during the process

From Contract to Closing was just under 17 months, and I was dealing with first FBC, then RMC during the entire process. I have no idea how busy my loan officer was, but I feel I could have gotten a earlier lock on my rate if communication was better. As far back as Jan 2021, I asked how early one could lock on a loan....never heard back. In Jan of 2022, I started inquiring with my Sales agent as well as my loan officer about rate locks. I was told they were "going to do a webinar soon" and I would have all my questions answered. Weeks, then months went by and I finally demanded info. (I have a number of unanswered emails regarding rate locks that I sent.) By then, rates had started to climb. I was also hearing rumors of shennanegans that RMC was playing with customers to mess with their loans, either to delay them and then going over the lock date, or to get the customer to cancel their contract. I was terrified on losing the house, so I kept my head down and just prayed for closing. Tina was a big help and returned my emails and calls, Dylan was great also, then they took him off my loan. Sorry, Molly dropped the ball and RMC will never get my recommendation or business. From what I read and stories I hear, they are borderline predatory lenders. Below is a question if I would recommend my loan processor. I am not sure who that is. If it was Tina, I would give her a great rating.

Lynne's Tip: The $4000 in Closing costs covered by RMC aren't worth the headaches, heartaches and anxiety dealing with them.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Loan met my needs
Branch: Melbourne, FL
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22 days ago at 1:35 AM
Recommend's Jonathan

Jonathan was great, but.

First off, I want to Jonathan was great after our first conversation. He handled my situation very well for being as upset as I was. From our second conversation on he was right on time, very helpful and did absolutely everything he could to help me out. Now, as far as RMC as a company goes, I would never use them again. When we started our process in November I was given an interest rate around 3% which was the going rate at the time. I had asked, not Jonathan, but another employees very specifically if I could lock the rate at this point. I was told no, and this employee told me a couple of lock ranges. The next time I spoke with them I was informed that I could have locked for nearly a year. This mistake on their part cost me nearly 2 more percent in interest. RMC did very little for me in terms of correcting this mistake. I would not recommend them as a company, but I would 100% recommend Jonathan. It seemed he did everything he could to help me out including calling me nearly daily for a while to give me the daily rates and his input. Thanks to Jonathan I did end up saving myself some money by locking at the best time I could after rates started rising.

Donald's Tip: Know that they offer very extended rate locks, and if it is looking good lock when you can. Ask Jonathan about the details of what happens if rates drop, he was very detailed and made my decision easy.

Loan Officer
Conventional 30 Year Fixed Pennsylvania
Closed on time
Responds quickly
Loan met my needs
Branch: Wexford, PA
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22 days ago at 9:33 PM

Roller Coaster Mortgage Ride

Used RMC due to them working with the builder and paying closing costs. Be very cautious if you use them. The entire process will be a roller coaster ride from the beginning. We started as FBC and changed to RMC. Then after the switch the documents submitted were not looked at or dealt with until 3 months to closing(almost a year later). This made the loan process a headache. Communication is horrible. Asked to lock my rate and was told no. Then I asked why was I not notified to lock as rates were rising knowing I wanted to lock and was told it's my responsibility to keep an eye on that and not my loan officers responsibility. Overall was the worst mortgage experience niggtmare I have ever had to deal with.

Wayne's Tip: Make sure everything you do with them is in writing. Even if it is a phone call, follow it up with a summary email.

Loan Officer
FHA 30 Year Fixed Florida
Loan met my needs
Branch: Fort Myers, FL
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22 days ago at 6:03 PM
Recommend's Kevin

Excellent

Kevin was phenomenal. Very helpful and encouraging throughout the process

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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23 days ago at 6:52 PM
Recommend's Jonathan

Highly recommend

I worked with Nichol throughout the process. She is amazing. So down to earth and knowledgeable and always got back to me in a reasonable amount of time. She even caught a mistake on my credit that another lender didn’t that increased my pre approval rate. She walked me through step by step and we made our closing date also which these days is impossible. I was very impressed by the entire staff and would highly recommend them.

Chad's Tip: Make sure you have your bank records in order and know what each transaction is for. Any lender will thoroughly go through basically your life. Be patient with the staff. It’ll get very frustrating and aggravating but you’re in good hands.

Loan Officer
Conventional 30 Year Fixed Pennsylvania
Closed on time
Responds quickly
Loan met my needs
Branch: Wexford, PA
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25 days ago at 8:33 AM
Recommend's Yael

Great service

Great service from Yael and T'Shael, thanks for all your help.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Riverview, FL
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29 days ago at 4:23 PM
Recommend's Carolina

Committed

I must say that Carolina went above and beyond to make sure I got my home. Extreamly resilient and co.mited to the task at hand. She said we would close and stayed with me throughout the process to make sure that happen. Very greatful and thankful.

Tyrone's Tip: Make sure to ask questions, Accountability for all transactions 60 to 90 days prior to closing g

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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30 days ago at 6:24 PM
Recommend's Carolina

Excelente

Excelente atención y profesionalismo. excellent attention, and professionalism, people with great knowledge, dedication, follow-up, and committed to satisfying families to obtain a home Thank you

Nodil's Tip: Yes

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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May 26, 2022 at 5:29 PM
Recommend's Kevin

Highly Recommend!

My loan officer Kevin was very helpful throughout my entire loan process. He consistently reached out with information and updates. I would highly recommend RMC Home Mortgage, Kevin and all of the staff that I interacted with throughout my process.

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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May 26, 2022 at 7:59 AM
Recommend's Jeff

Wonderful

The whole process with the RMC Home Mortgage LLC company was wonderful, easy and a nice experience to be my first purchase and the people with whom I worked for the process of buying the house were wonderful and they know their job, I recommend them to Anyone who is interested in buying a home Jeff Schneider and James Peterson "the best" and, I highly recommend RMC Home mortgage LLC for the purchase of your house.

Loan Officer
Other 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Fort Myers, FL
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May 25, 2022 at 6:27 PM
Recommend's Kevin

Kevin Townsend

Kevin was very helpful as my loan officer. He wasn’t my realtor but acted quickly and always pickup his phone anytime I called him. He helped my resolve a big problem with the builder when they threaten to void my contract. For that I’m very grateful and knew I can always count on him.

LanChi's Tip: Once we were conditional approved. The process took too long. It would’ve been better if it was faster and not final approval on the closing date.

Loan Officer
Conventional 15 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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May 25, 2022 at 10:40 AM
Recommend's Kevin

Advocacy is Everything!

Kevin was to the point and answered questions that I had. What happened towards the end is what stuck out the most - so many issues came up around closing on the builder side, but Kevin and the team advocated for me so that my dream of home ownership could be fulfilled. I appreciate all that was done!

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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May 10, 2022 at 9:21 PM

Disappointing, Frustrating Loan Process

I applied for the new build loan back in August and the home was to close in May. No one talked to me about locking in my rate once they knew my home was ready to close, then a couple days before I was to close they were asking for things such as my salary confirmation, tax returns, etc. I had all of this information packed in a POD. If they could have asked for this information even 10 days before closing it would have been easy to obtain but they ran me around like a crazy woman getting the information WHEN NOTHING IN MY LIFE CHANGED SINCE I APPLIED FOR THE LOAN ORIGINALLY IN AUGUST. They could have asked those questions and asked for clarification a lot sooner than THE DAY OF CLOSING. This was not a last minute purchase, they had plenty of time to take care of the loan process in due time professionally but alas, I was the one scrambling

Maureen's Tip: Start the confirmation process a lot earlier

Loan Officer
Conventional 30 Year Fixed Pennsylvania
Responds quickly
Branch: Wexford, PA
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May 02, 2022 at 10:15 PM
Recommend's Carolina

Highly efficient person

Dear Carolina, I thank God for having placed in my path such a special person to take care of the process of my house and to be our tireless defender, people like you who live planting, advocating and acting within the law so that people can be happy in this chaotic world of suffocating survival. Mrs. CAROLINA May God continue to watch over you, protecting you, blessing you and giving you the strength to help the people who come along your professional path who need your guidance and advice. My family Elka and my daughter Juanita pray daily for your existence, we eternally thank you for your great efforts in this cumbersome process that only you know how much you helped us get to the end. Lady CAROLINA we carry you in our hearts always!

Henry's Tip: Follow the loan officer recommendations.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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April 30, 2022 at 12:39 PM

4713 Trout Lily property

Extremely difficult process with sub-standard communication

Loan Officer
Conventional 30 Year Fixed Florida
Branch: Riverview, FL
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April 29, 2022 at 7:26 PM
Recommend's Jeff

Good Job Jeff !

Jeff kept me informed of what is going on, and always was on top of the process. He did a great job. Thanks Jeff. - Chris G. Georgas

Loan Officer
Conventional 30 Year Fixed Florida
Responds quickly
Loan met my needs

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April 28, 2022 at 11:04 PM
Recommend's Carolina

Outstanding

I would truly love to give an Tremendous SHOUT OUT to the ONE and only ,and only Carolina Ortega, omg where do I start ….loving, kind, patient, phenomenal, stellar, on fire 🔥. Carolina have giving me hope to not give up on my Home do to minor issues cause I lost hope after a year passed. Carolina comforted me and told me in the end it will be worth it and as I have reach to the end and I finally turned those keys to my home I am yelling on the top of my lungs to carolina and I am saying THANK YOU CAROLINA!!!!!!!!!!! It was worth the wait, it truly was. My home is beautiful in every stitch of hard work that was put into it on hot days and rainy days. I am truly blessed for you being in my life for this moment , I could have got any loan officer but God has giving me you. From the restless night and all the sacrifices I have made to get here you made it all come together. carolina I truly am greatful for you and what you have done not only for me but for my three little ones. Carolina My Love, My Heart May God continue to bless you cause You are who make families smile the moment they get that call that says YOU ARE APPROVE!!!!! Sincerely love you Thank Once more!!!! Don’t stop what your doing. God loves you.😘

Rebeca's Tip: Stay Amazing

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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April 28, 2022 at 7:43 PM
Recommend's Kevin

Best Mortgage Company

Kevin and his team went above and beyond, especially Kevin for the first three or four months, kept in contact with us with updates and always had answers to every question me and my wife had. We can thank them enough, if it wasn't for them we would not be sitting in our dream home!! Thank you again!!

Loan Officer
VA 30 Year Fixed Georgia
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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April 27, 2022 at 9:30 PM
Recommend's Carolina

House

Very helpful and profesional. Best experience ever

Antonio's Tip: She did awesome

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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April 27, 2022 at 9:32 AM
Recommend's Pamela

Pam Johnson

through the process. Any customer would be blessed and fortunate to have Pam represent you. Thank you from hearts. We love our new home!

James's Tip: Pam Johnson was terrific, personable, understanding, efficient and comprehensive. She treated us more like family and special friends than as a customer. We appreciate her professionalism and grit in guiding us through the process. Any customer would be blessed and fortunate to have Pam represent you. Thank you from hearts. We love our new home!

Loan Officer
Conventional Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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