RMC Home Mortgage, LLC

80% of customers would recommend RMC Home Mortgage, LLC

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Customer Reviews

4.2 of 5
115 Reviews
Responsiveness 80%
Product met needs 90%
Competitive rate 75%
Real Estate Pro Reviews 2

Reviews for RMC Home Mortgage, LLC

12 days ago at 3:33 PM

Unfortunate

Need’s customer service training. Unresponsive. Lacks transparency. Bothered when asking for clarity. Generally unpleasant to work with.

Karrie's Tip: Request a different MLO if he is assigned to you

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Branch: Melbourne, FL
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13 days ago at 5:42 PM

Customer

No good communication between Efrain and the customer, Efrain had poor communication, we had to always email him for everything and response rate was very slow as well. Best promotion were not offered at first we had to dig into other lenders and a lot of back and forth. Jordan K was very helpful and very fast to respond to my emails . One good thing, even But when he did answer questions were answered.

Jerry's Tip: Customers should always be first, make your self more available, this will really benefit this Morgage company

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Branch: Melbourne, FL
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13 days ago at 3:48 PM

Lender

First of all, my home was started building in 08-21, in May 21 the loan processor sent us the email to ask us to pay for appraisal when the builder had not got the permit yet. We followed the order. Been there we were requested many times to support all documents and we did. The appraisal company went out to do their work without sending us any documents, and until now we don’t even know what they appraised for when the house had just frames. Second, a month before closing we were ask to pay again, we told Jannie we did pay and she told us we need to pay again for RMC especially Jannie fault. Finally she fixed her fault. Last but not least, when we needed to communicate with her she never answered her phone, one time we got a hold of her and told her about appraisal fee she needed to take it out from the loan and she did not. We were scheduled to meet to notary for the title at 1400 on 11-21 and it took us longer to get this thing done with anxiety. On Friday 11-18 we got the call from Maronda to cancel the lanai, we accepted that and called her back to let us know if any changes or wanted us to do anything she never answered or called back. The amount we needed to pay at closing day which was kept changing, we had the hard time to buy the cashier check with correct number to pay for the title. She didn’t help us as your company value. We flew out from different state and weekend all bank are closed we told them that but no one showed the care to it. We called Veronica to concern and she told us back that she would contact everyone who got involved to communicate with us and it did not happen. On Monday 11-21 (closing day) at noon we got the call from Kari (title company) to check with us if the lender (Jannie) called us to confirm the time we told her we didn’t. Every minutes of us is value and we didn’t want title company to wait for us so we drove there to wait and waited for 3hrs, Kari called us to let us know she had what she needed for and waited for Jannie’s call then she could release the paper work. I did not know if what happened between Jannie, Kari, and Karen we got to work with notary around after 5pm and Kari was not happy because we showed more receipt that needed to be deducted from the loan as we uploaded times when Jannie asked for. We just wanted to finish the whole terrible process we were not supposed to, but over all this was horrible communication and really bad attitude from the lender with us. If we need a loan we will not go with RMC sorry to say and not recommend any one that we know to go with RMC. Again, thank you very much to get us to the end of this procedure. Thomas and Thao Hahn

Thomas's Tip: Communicate better and show care to client to help them. You guys are professional but client so you guys need to show that to client, not treating them the threat.

Loan Officer
FHA 15 Year Fixed Florida
Branch: Fort Myers, FL
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13 days ago at 3:48 PM

Lender

First of all, my home was started building in 08-21, in May 21 the loan processor sent us the email to ask us to pay for appraisal when the builder had not got the permit yet. We followed the order. Been there we were requested many times to support all documents and we did. The appraisal company went out to do their work without sending us any documents, and until now we don’t even know what they appraised for when the house had just frames. Second, a month before closing we were ask to pay again, we told Jannie we did pay and she told us we need to pay again for RMC especially Jannie fault. Finally she fixed her fault. Last but not least, when we needed to communicate with her she never answered her phone, one time we got a hold of her and told her about appraisal fee she needed to take it out from the loan and she did not. We were scheduled to meet to notary for the title at 1400 on 11-21 and it took us longer to get this thing done with anxiety. On Friday 11-18 we got the call from Maronda to cancel the lanai, we accepted that and called her back to let us know if any changes or wanted us to do anything she never answered or called back. The amount we needed to pay at closing day which was kept changing, we had the hard time to buy the cashier check with correct number to pay for the title. She didn’t help us as your company value. We flew out from different state and weekend all bank are closed we told them that but no one showed the care to it. We called Veronica to concern and she told us back that she would contact everyone who got involved to communicate with us and it did not happen. On Monday 11-21 (closing day) at noon we got the call from Kari (title company) to check with us if the lender (Jannie) called us to confirm the time we told her we didn’t. Every minutes of us is value and we didn’t want title company to wait for us so we drove there to wait and waited for 3hrs, Kari called us to let us know she had what she needed for and waited for Jannie’s call then she could release the paper work. I did not know if what happened between Jannie, Kari, and Karen we got to work with notary around after 5pm and Kari was not happy because we showed more receipt that needed to be deducted from the loan as we uploaded times when Jannie asked for. We just wanted to finish the whole terrible process we were not supposed to, but over all this was horrible communication and really bad attitude from the lender with us. If we need a loan we will not go with RMC sorry to say and not recommend any one that we know to go with RMC. Again, thank you very much to get us to the end of this procedure. Thomas and Thao Hahn

Thomas's Tip: Communicate better and show care to client to help them. You guys are professional but client so you guys need to show that to client, not treating them the threat.

Loan Officer
FHA 15 Year Fixed Florida
Branch: Fort Myers, FL
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17 days ago at 6:04 PM

Marcin and Mara

Not a great experience, lack of communication and honestly just to many issues to list

Marcin's Tip: Stay away from RMC mortgage and all employees that work there.

Loan Officer
Conventional 30 Year Fixed Florida
Branch: Riverview, FL
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28 days ago at 4:13 PM
Recommend's Pamela

they got it DONE !

Hello RMC, we as the Martinez family wanted to show you our gratitude for helping us through this long rocket journey of purchasing our new home. We especially wanted to thank Molly, Tina, and Jordan. They each were outstanding and completely selfless when it came to assisting our family. Personally, I have never met such hardworking and caring individuals, they truly were god sent angels that allowed us to purchase our home. Thank you all again for being an amazing team!Molly, Jordan and Tina, you will forever be in our hearts💕 RMC Home Mortgage rocks!!!

Christopher's Tip: listen to what they ask for

Loan Officer
FHA 30 Year Fixed Florida
Responds quickly
Loan met my needs
Branch: Sanford, FL
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29 days ago at 7:41 PM
Recommend's Pamela

Excellent lender

Pamela was always there for any question. Very professional and helpful during this process. Thank you !

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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November 01, 2022 at 10:57 PM
Recommend's Pamela

PROFICIENT

Pam had our best interest at heart, was always available to communicate with, even at odd hours. Is very knowledgeable about the mortgage process and always kept us updated throughout the process.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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November 01, 2022 at 12:15 PM

Communication is missing

I selected this lender as they are the builders lending agency and had incentives to use RMC. It was chaotic from day 1. Their information never aligned with the construction information and 3 months out, they held me responsible for all "closing" items even though my house was still a shell. The day of closing was the WORST experience. RMC didn't send my closing docs to the title company until the scheduled time of closing. They sent an incorrect CD which resulted in me wiring more than necessary. My closing took 3 hours from the time it was scheduled! I'm still waiting to hear about my overpayment, too. There was also a lot of blaming of the builders, even though they are the same company. The blaming left me with very little faith.

Dawn's Tip: Do not use RMC. I felt like I had to check to see if they did their end of the work continuously.

Loan Officer
Conventional 30 Year Fixed Florida
Branch: Sanford, FL
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November 01, 2022 at 11:24 AM

Communication is not their strongest point

Was always difficult to get someone to answer phones calls and emails. Often took several (3-4) before we could get a response. Seemed like every time we turned around there were more documents to upload. Sometimes even at the last minute (2 days before close they realized they didn't have a copy of our social security card) and a week before they were still trying to verify employment.

Layne's Tip: Follow up. On everything.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Loan met my needs
Branch: Melbourne, FL
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October 31, 2022 at 11:01 PM
Recommend's Pamela

Super helpful, Always responsive

Pamela Johnson was always helpful and quick to respond to all communication. She made the process of getting a mortgage loan and closing on our new home easy. She is a quintessential professional.

Diane's Tip: Ask for Pam Johnson!

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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October 29, 2022 at 8:24 AM
Recommend's Pamela

Great Lender

Pam is Absolutely Awesome. Any questions you have she was right there with the answer, just as if she was sitting across from you at the table. I can't say Enough about how helpful she was, and believe me it was a long process having a home built. RMC has many Excellent employees I'm sure, just that you don't get to talk with them.

David's Tip: RMC done a Great job for us. I'd bet they would do as good a job or better for anyone needing a home loan

Loan Officer
VA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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October 28, 2022 at 4:48 PM
Recommend's Carolina

Thank you Carolina

Without your help, knowledge, and attention to detail this would not have been possible. I thank you for your professionalism and taking your time to make sure I understood what was going on every step of the way. Also, thank you for your patience with me and my family.

Loan Officer
Other Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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October 27, 2022 at 8:19 PM
Recommend's Nichol

Quality of service

It is perfect experience with Nichole

Akmal's Tip: Ask for closing approval in advance

Loan Officer
Conventional 30 Year Fixed Pennsylvania
Responds quickly
Loan met my needs
Branch: Wexford, PA
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October 24, 2022 at 3:06 PM
Recommend's Efrain

Outstanding service

Efrain and Jordan took care of us exceptionally. Whenever we had a question (and believe me we had a lot) they always got back to us fairly quickly and always had the answer. They made the process go very smoothly and would highly recommend them to anyone.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Melbourne, FL
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October 20, 2022 at 3:24 PM
Recommend's Pamela

Best Home Purchase Loan Service

Great Job! Really appreciate Pamela Johnson and Lynne Castro for making the paper process super easy and smooth up to closing day. Thank you!

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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October 20, 2022 at 7:00 AM
Recommend's Pamela

Worked through a hurricane!

On top of being super awesome help for getting us as much as she could she also worked through a storm a power outage and kept this going to close on time even though one of the largest hurricanes in the history of Florida was on its way and knocked out her power. Pamela was instrumental in getting us in our home and we couldn’t be more thankful. From answering questions to stepping up when one of their team members left the company not getting upset or pushing us in the direction of other people even if our question was simple and silly. We were treated with dignity and respect and got the home of our dreams we are so grateful for Pamela

Eric's Tip: -understand that the general process sucks no matter where you go it is what it is in trying to make sure you can afford to stay in the home -well a lot of this can seem like a nuisance understand that in most cases these are 30 year contracts and must go through extreme scrutiny so don’t get upset if someone finds an error that someone else made, it’s there job -ask questions and stay in contact, They are great at responding so if you have a question ask right away rather than wait and slowing your mortgage process

Loan Officer
VA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Sanford, FL
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Real Estate Professional
October 10, 2022 at 4:40 PM

RMC made my closing so smooth!

Thank you Jeff and Lynn and All who helped me through it!

Loan Officer
Conventional Florida
Branch: Sanford, FL
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September 29, 2022 at 4:27 PM

Steer clear of RMC

RMC has so many deceptive business practices and turnover in staff that you are better off dealing with a local lender and forgoing their "incentives" for being a preferred lender. For instance, the loan officer changed four times during the home buying process and caused the file to be out of compliance on numerous occasions. Also there was a time when nobody would call back for over two months to remedy documentation deficiencies. Finally, when it came time to lock in an interest rate, RMC offered rates that were 2% higher then the competition but offered an opportunity to buy down the rate to what everyone else was offering (and even giving lender credits for). At the end, all of the lender credits went to hiying down the rate and other fees that were exorbitent and it was no savings to use RMC, but the home builder would not consider allowing buyers who needed financing to use other lenders (through their strong-arm tactics). Overall, the experience was more stressful and unpleasant than it had to be. The loan officer did not call back with information when she said she would on 75% of occasions. Do not recommend!!!

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Loan met my needs
Branch: Jacksonville, FL
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September 28, 2022 at 4:18 PM
Recommend's Kevin

An excellent experience

Communication was key. Kevin ALWAYS either answered his phone, or immediately returned calls and emails. I was extremely pleased with the entire process. He made it very simple.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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September 24, 2022 at 6:36 AM
Recommend's Nichol

Satisfied

Nichole was terrific, but there were a few curve balls thrown in at the last minute. She helped figure everything out.

Loan Officer
Conventional 30 Year Fixed Pennsylvania
Closed on time
Responds quickly
Loan met my needs
Branch: Wexford, PA
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September 17, 2022 at 7:47 PM
Recommend's Zulma

Wonderful

Mrs. Zulma Rios and her team were excellent! I was very happy with her and would choose to work with her and Andrea time and time again!

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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September 17, 2022 at 5:24 PM

Lack of communication

Unfortunately, it took the office several days to answer emails. There was a lack of communication and sadly because of that we lost the opportunity to lock a lower rate. Thankfully, T’Shael was a great source of communication- and only her.

Jeffrey's Tip: Keep the clients up to date more frequently and answer emails faster.

Loan Officer
Conventional 30 Year Fixed Florida
Closed on time
Loan met my needs
Branch: Fort Myers, FL
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September 11, 2022 at 3:43 PM
Recommend's Kevin

Florida home

Very helpful always returns calls or text which is very important. Very knowledgeable and I would give him a raise

Loan Officer
VA 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Jacksonville, FL
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September 06, 2022 at 5:15 PM

Horrible loan officer

For Carolina to be more patient with client buying a house shouldn't feel like the way I felt I bought a house before and the person that was in charge of the first house was amazing so relax with Carolina I was getting even anxiety every time I talk to her and when I had a question about something on the paper work she don't answer the phone for days and when she call sounds like I'm bothering her with my questions belive me if I'm getting into a loan I will have questions she needs to improve her social skills and don't let her emotion show if this get to someone and would like to talk to me or my wife we would gladly give any more details (407)925-2518

Roberto's Tip: If you have the opportunity to change loan officers, do it she is not a people person.

Loan Officer
FHA 30 Year Fixed Florida
Closed on time
Loan met my needs
Branch: Sanford, FL
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August 29, 2022 at 3:03 PM

Amazing and extremely knowledgeable

Yael helped us throughout the whole process. While all the craziness about the interest Ups and downs she took the tine to explain the process and options! We were able to lock the interest and saved our home! If it wasn’t for her we would be looking for another property to live!

Conventional 30 Year Fixed Florida
Closed on time
Responds quickly
Loan met my needs
Branch: Riverview, FL
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August 23, 2022 at 9:40 PM
Recommend's Fargo

Lender

It’s easy to apply and work with as a team member to finalize to close the loan in time,I really appreciate to Fargo Camerlengo and Debbie stofel for the whole process to make the closing smoothly.thanks

Loan Officer
Conventional 30 Year Fixed Ohio
Closed on time
Loan met my needs
Branch: Dublin, OH
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