HCamilo C

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Verified Reviewer
| map-marker Colonial Heights, Virginia

Misleading comunicasion

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Original review Dec 12, 2023
Unfortunately, my loan Analyst Adi Flores| Branch VA601 promised rates he couldn't provide and days before closing advised I had to pay higher interest and points to lower my interest rate on three investment properties. Very misleading. What a fraud. Never again Sarcastic.
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Loss:
$14
Cons:
  • Misleading

Preferred solution: Apology

User's recommendation: Don't consider this company misleading

HCamilo C

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Kissimmee, Florida

Bad communication, misleading, a fraud

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Unfortunately, my loan Analyst Adi Flores| Branch VA601 promised rates he couldn't provide and days before closing andvised I had to pay higher interest and points to lower my interest rate on three investment properties. Very misleading. What a fraud. Never again Sarcastic. will make a complaint with BBB.
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User's recommendation: Don't trust them, they will change terms at last minute.

frank p Okv

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Verified Reviewer
| map-marker Clermont, Florida

The agent used shady business practices

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What a terrible experience. Every step of the way there were twists and turns.

The loan disclosures were anything but transparent. Even the hard numbers like my deposits were not correct. Finally 4 days before closing they spring on us a figure that was continuously a seller paid item on all disclosures is now the buyers responsibility. If I have a dollar for every hour I spent on the phone or emailing back and forth

Sadly I had another lender with a lower interest rate and was completely transparent, but I switched to NFM because theyre the builders preferred and offered incentives for doing so.

Well at the end of the phantom cost at closing pretty much wiped out the incentive. Oh and since I was within 60 days of the closing date I could not change lenders again.

Buyer beware!

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User's recommendation: Choose a different lender

Anonymous
map-marker Orange, California

Am not able to get a human on the phone

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I have been calling customer service for 2 days and have not been able to speak with a single person, just automation that doesn't help.
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Nazrul I Ibz

Apology

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I wrote a review not know that l am not allowed to talk to lender as a buyer. I was advised that l can do it. Any l contacted one of the staff and was not happy that l could not get the information. I wrote a bad review. I was wrong the staff was right. Just wounding how to remove the review
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Preferred solution: My apology

Sadaf A Gzq
map-marker Vienna, Virginia

Worst loan experience

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I would never recommend NFM lending to anyone. They are never on time closing, the lender does not answer his phone. Actually his voice mail is always full. Wonder why?? Don’t you think it is because poor borrowers and realtors trying to find out what is going on with the loan?
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Reason of review:
Poor customer service
1 comment
Guest

I agree. exploiters to the max, who try to get as much money from you.

Closing is always the next day for two months, and paper work is lost, I wonder if they really take you seriously until they take you to your max. I would definitely warn anyone against using this company.

Anonymous

Terrible experience

This company has no idea what they are doing. The process of buying a home with this mortgage company was very stressful. We had pre-approval only to be told once we submitted an offer that we needed a co-signer. We were not given conditions of loan to settle until one week before settlement. NFM had settlement papers that showed settlement on purchase the day before settlement of sale. They called off settlement day of because they didn't do the required work. Do yourself a favor a look for another company to finance with. Ryan George is only out to take your money and does not know what he is doing.
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Reason of review:
Poor customer service
Anonymous
map-marker Stockbridge, Georgia

Don't waste your time and money.

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After few months work and gathering documents and paying for appraisal for almost double what I was told and what was on loan statement and running my credit twice because it was taking too long!? I got the email that refinance DECLINE because we can't verify your income. I called several times to the office and her mobile but no answer!? Finally, I got the email saying: " I am sorry, I had a personal problem, but I will call you next Monday". And that call never came. I wish before doing business with her I would read the reviews like you. Do not waste your Time and money with this people.
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Loss:
$2150
Reason of review:
Poor customer service
Anonymous

We were preapproved for loan, then denied 22 days later

we contacted nfm lending before 10/5/16, our credit was hit on 10/10/16, we received a pre-approval letter on 10/15/15. we found a home for less then we were approved for. after paying out 1,805.00 (over a 3 week period) at our lender's/realtor's requests, on 11/22/16, we received a denial of loan letter via email. not a courtesy call....nothing. the initial person we spoke with seemed to be sincerely helpful, the 2nd contact person was arrogant, rude and made us feel like we weren't "worthy" of his time. because of the requests and information they required again and again, we felt like we were "jumping through hoops" for him. as we see/saw it, he worked for us, not the other way around. in the end.....we are out a lot of money, didn't get the new home and feel like we were lied to all along after the initial contact. if we did everything asked, after hitting our credit (which was very good), why aren't we getting the home????? because of a judgement that was brought to their attention in the 1st conversation with both of the initial contact people. I believe after discussion, that we should not have received an approval letter, nor wasted all the money and time, we did....if they would have denied us in the very beginning.
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Reason of review:
Problems with payment
Anonymous

NFM Mortgage will waste your time and const you money

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After 3 months of attempting to refinance my mortgage with NFM, a process which should have taken no more than 4 weeks, I have finally gone elsewhere to start over. They have no idea what they are doing, and I can say that with confidence, having been a real estate paralegal for 6 years. Each week they requested new documents that they should have known they needed at the start. What finally made me run was when they refused to believe I inherited money despite reviewing both my parents' Wills and the Trust their home was held in. Because the beneficiaries were "their children equally" and not each of us named individually, they insisted that my bother the executor was the sole beneficiary and that he must have given me the money. As a paralegal I can tell you that people often do not individually name their children in their wills for various reasons. Courts of law accept this. NFM mortgage does not. This was the final straw and I have taken my business to my local bank who assure my the process withal take two weeks. Because of the delay I had to pay two months considerably higher mortgage that had PMI which my new mortgage will not. They cost me money and they will cost you money too.
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Reason of review:
Order processing issue
Anonymous
map-marker Falls Church, Virginia

Unprofessional staff

Here is what i have to say about this company.It seems like they work with you until they take your money for appriasal fee. Once they take it you have to make several effort to get the update. They hold you just before the closing date and ended up saying sorry we can not approve the loan now. According to their so called best loan officer there has been change in guideline 3 month ago and they just came to know it today. They took my appraisal fee and they didn't even send me an appraisal report. Ridiculous!! be ware of them. I do not recomend this company.
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Reason of review:
Poor customer service
1 comment
Guest

I agree this company has poor customer service and I would not recommend using them.

Anonymous

Nfm Lending Loan Officer Review

Terrible service. Loan officer couldn't tell me the cash amount needed to close. Let alone anything else. Interest rates are high and fees are higher. Please don't stress yourself nor waste your time. Get at least 4 quotes if they can't tell you keep it moving.
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Reason of review:
Poor customer service
Anonymous
map-marker Hampton, Virginia

Nfm Lending - Customer Care Review from Hampton, Virginia

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These people are unreliable, unprofessional, and will tell you anything to get you in the door. You have to constantly stay on your lender and forget a close date. Ours was reschedules 4 times which resulted in us being homeless for 3 weeks. Do your research before you choose a lender. Contact 2 or three and ask clarifying questions so you won't end up stuck.
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Reason of review:
Poor customer service
2 comments
Guest

I completely agree. Worst company ever.

I wouldn't recommend a single soul to NFM or BONNIE Stewart's team...ever!!! They're unprofessional, don't respond to calls or emails in a timely fashion and their loan fee is through the roof. So much that they credit you ( a small amount) for over charging beyond the legal limit.

Question is, what's the legal limit. The fact that they can even do that is ridiculous.

Guest
reply icon Replying to comment of Guest-1200295

I'm a realtor, and my client is in the process of getting a loan through Bonnie Stewart's team. This whole process has been a nightmare.

Bonnie told me (and the listing agent) that my client's loan was underwritten a week and a half ago. Now she's saying she's been processing the wrong loan the entire time.

Is she not going to get everything done in time for our closing in 3 weeks? It's already been a horrible process working with Bonnie- now I'm afraid of more issues....

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Anonymous
map-marker Tampa, Florida

Dissapointed

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I made a home refi thru NFM Lending to get rid from Bank of America. Everything went OK at the begining. The personnel were friendly and professional. But the business of NFM is sell loans to and our ended with CMG Financial which is worse than Bank of America. So we did not moved forward a single bit. We did the transaction hoping that we will end with a good bank with presence in our state and not with a lowsy financial agency with very poor service ratings. So the message is simple, if you need a mortgage loan, go directly to a good bank and don't do business with this kind of lenders.
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Reason of review:
Ended worse than the beginning.

Preferred solution: Reverse transaction and have it transferred to a good bank with presence on my state.

1 comment
Guest

Yes they are a mess what they did to me was wait 4 months to our house was 2 weeks from closing and said we didn't get the loan with no explanation after they had it for 4 months. Waited a month from May to June to tell use to pay off $4k worth of stuff. Then wait to the house is finished to say No what kind of *** is that run far away from this company.

Anonymous
map-marker Washington, District Of Columbia

Promised to refinance.Lied.stole my apprais

AQnother lady got involve3dPromised to refinance home.spent 6 weeks faxing info to them. finally came down to trying to make me change addresses onmy drivers license!!!I told them it sounds illegal? They said"no""don,t worryu about it?? Then they sai((Damon Dukes)) that they never promised etc.Hung up on meThey promised to send back my $350.00 I paid fo appaisel..They said that they never said that..The said Michael Blaylock said it. ((He quit NFM..Said that the were liars and thieves!!Anothert lady got involved.Sai we should change address on drivers license etc
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Anonymous
map-marker Fresno, California

Nfm pulled my credit without auth.

I callled to ask about refi programs, gave them the address of the home told them not to pull my credit report. I wanted to consider what he had told me. I was notifyed the following day they had used software to find and pull my report without my consent. The agents name was Stan Feldman. As I said before I did not give him my SS number. This is a very un professional company. Looks like they are trying to scam people if they do this type of action in their business practices. RUN AWAY FROM THIS COMPANY as fast as you can.
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