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Ratings & Reviews
Overall very pleased with FBC Mortgage. They did an outstanding job procuring the best loan for my home purchase. <br/><br/>- Extremely Responsive
- Knowledgeable about loan programs available
- Best rates available
- Made transaction easy
- Accommodated a very quick closing schedule
- Excellent follow-up after closing
Outstanding experience. We worked with Matt Andre from initial call to closing. He was fantastic. Provided advice throughout the process and was always helpful whenever we had questions. Helped us navigate the process and managed the the admin people when they got too inundating, We got a great rate and would highly recommend them to anyone looking for a home loan
Closed purchase loan. Gandy-Sun Bay South, Tampa, FL 33611
We were thrilled with our experience with FBC Mortgage. We got a low rate, were able to close in three weeks, and they were with us the whole way! They made the process as easy as possible for us, and we loved working with them!
Overall I am happy with my experience with FBC Mortgage. They did close our loan without any major set backs and their process for getting everything done seemed to run smoothly. I was a little upset that the interest rate we got at closing was half a point higher than what they originally told us when we started the process but compared to other lenders it still wasn't bad. As a first time home buyer I found my biggest complaint was that it was almost impossible to reach people over the phone on the first call. I usually had to leave a voice mail or send and email to get a call back from them. There were several times I had questions about the loan process and the people I was working with didn't have the answers. I would recommend them to others. They do have room for improvement but overall I was happy with my experience.
Initial consultation felt very promising with the lender. After getting the paperwork going and passing the appraisal, it then went into the underwriter. At first it was rejected but then it was pushed through again and after tense days of the waiting game and them asking for documents that already has been submitted once before, it finally became approved. It was smooth for the first half and became doubtful the 2nd half with not much communication. I am very glad that we were able to close but not without stress.
I'm normally not one to write reviews on companies but after what happened to my husband and I feel it would be beneficial to inform others before it's to late. I really wish I would have read reviews on the company before we started the mortgage process with FBC mortgage as I can see I'm not the first person they misled. Talk about a complete waste of time! For months my husband and I were strung along to believe we were preapproved, we were told to pay off any debt we had, limit our credit card use to just one or two cards, and we would be golden. Everything was hurry up and rush to get paperwork in and then sit and wait to hear a reply. Finally when the day came to find out our preapproval amount Kelly dropped the ball and said I'm so sorry I made a huge mistake and you won't be approved for the loan after all. The mistake she made was something that should have been recognized from DAY ONE. How can you be a mortgage lender and have no clue that you need to take income for someone who is self employed and divide their net income average by 24 months instead of 12? It didn't matter that we already owned one home in full, had no debt, excellent credit, thousands in investment accounts, or that we had 20% for a down payment. We were trying to get a mortgage to avoid having to pull money out of investment accounts to purchase our home in FL. Once our house sold in WI we were going to pay off our mortgage for our FL home in full. This would have avoided thousands of dollars wasted on paying taxes of the removal of funds from my investment accounts. All Kelly could say was she was sorry. Sorry for what exactly? Sorry for wasting my time, sorry for stringing us along, sorry for providing horrible customer service, sorry for wasting MY TIME AND MONEY? Sorry isn't going to change the fact that Kelly messed up, I highly doubt Kelly or FBC is going to pay for the reimbursement of our plane tickets, hotel, and car rental that we paid for to fly down and view houses. All of this could have BEEN AVOIDED had she done her job properly. Never in my life have I EVER worked with someone who was so INCOMPETENT of doing their job. LONG GONE are the days of customer service and people willing to do their job and help one another out. Thank you for wasting my time.
Applied for a loan, but it didn't work out. Samsula, FL 32168
My experience with fbc was terrible. First off getting them to answer the phone was like pulling teeth. Then i finally talked to some lady named Kim and I applied for a loan and wasn't very helpful at all. They dont seem like they want to do any work on their end and they don't really care about the customers at all. It was the worst experience I've had with a lender. I went to another lender and it was like night and day. I had no problem and they cared about you.
I purchased a new home and obtained the mortgage through FBC Mortgage. The initial engagement was smooth, then a week or so of quiet time after the appraisal was done. The house appraised for the price we were paying. Then two days before closing they started asking for more documentation for the loan. Day after day there were more and more requests, sometimes for the same information. We pushed closing back two days. Still more questions and emails, scans, PDFs and verification. Then the day of close we found out we could not close due to quality control selecting my mortgage for review and again more questions. I lost my mortgage rate lock. Rates had gone up half a point! I have 760+ credit ratings, never been out of work, monthly debt is very low and have an annual salary that is 75% of the total price of the home. The loan officer promised to do a zero cost refinance if rates went back down due to the rate change. After closing he will not commit to this refinance in writing as he said he would before closing.