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Mortgage Lending reviews in Rochester

  • A
    The Hills Mortgage & Finance Co LLC
    He did a fantastic job making sure he was able to help close the house with out any issues. His communication was excellent, responsive and kept us up to date with everything and proactive at all stages.
    - Andea T.
  • A
    NOTHNAGLE HOME SECURITIES
    My spouse and I have bought and sold five homes together and have used a variety of realtors and agents. Although there were some unfortunately delays in the processing of our mortgage, we were very happy overall, especially with our realtor Susan Kachurak who negotiated an excellent price for us and consistently followed thru with details. Steve Glanville in the mortgage department was also very helpful and professional. It was vastly better than relying on a nation-wide bank for a mortgage approval. I would recommend Nothnagle to anyone!
    - Russell M.
  • B
    PREMIUM MORTGAGE CORP
    I bought 2 homes through Premium Mortgage. One about 10 years ago and one just recently
    The 1st one was my 1st time through the process and I delt with Mike, the owner.  I am sure I had more questions than the average borrower but I was nervous about the whloe thing, particularly because I was a singleton at the time and was getting a house that needed significant rehabbing.
    The process went fairly smooth.  The inspections and whatnot were done well enough to get me the $ I needed to do the significant rehabbing the house needed to be liveable - I used a 203k for this house.  From start to finish I think it took a few months which is what I was told to expect.
    When the house right next to my 1st one went up for sale a few months ago, my husband (I married in between purchases) and I decided that it would be better for us to buy the 2-family as an investment than to let some long-distance investor decide who was going to live next-door to us.  So we bought it.  We financed with Premium again, this time with Karen who was nice (and funny) and generous with her time.
    Both times through the financing process I felt I/we were treated fairly and honestly.  In asking around, our rates were in line with what others were getting and my closing costs seemed at least a bit more reasonable.  I really don't have any compliants about them.
    - Melanie B.
  • F
    EAST COAST COMMERCIAL INC
    Overall it has gone terribly.  The company is just a front for it's owner to keep large up front fees from rookie real estate investors.  The fact that he can't even abide by the laws of the State of New York and pay the fines he has been compelled by the courts to pay suggest that he has zero morals and zero respect for his clients.  I tried to be patient and understanding.  I gave him multiple opportunities to work this out and all it did was allow him to push me off further and further.  I just want the money I'm owed returned to me.  I'll never do business with this company again.
    - Daniel F.
  • A
    Guaranteed Rate
    I visited Liberty Home Funding early on in the process of searching for a mortgage.  Patrick was extremely helpful, and gave me a quick education in the process.
    I also visited Premium Mortgage in Brighton, which appeared to be a far less professional organization, but ended up choosing Premium because they claimed to have a more liberal floatdown policy (adjusting rates downward if market rates fell during the application process). 
    It turns out that Premium does *not* in fact have a more liberal floatdown policy, though they did honor their commitment in my case --- but only after a considerable runaround and several rounds of phone calls, emails (frequently ignored) and in-person office visits.  (See my review of Premium Mortgage).  They did make clear that, contrary to what they told me their first day, their usual policy is no more liberal than Liberty Home Funding's.
    Meanwhile, even though I'd shopped elsewhere, Patrick stayed in touch, telling me what to expect and giving good advice.  He was terrifically helpful throughout, and if I had it to do over again, that's who I'd choose.
    - steven l.
  • D
    PREMIUM MORTGAGE CORP
    1)  At my initial meeting with Premium, they told me they had a "float-down" policy, so that if mortgage rates dropped at any time during my application process, my rate would drop to meet the new market rate.  This was the sole reason I chose Premium, as I'd also spoken to Patrick at Liberty Home Funding, and found him generally far more professional and easier to work with.
    2)  When mortgage rates did in fact fall in the midst of my application process, I contacted Premium to ask when I'd receive confirmation that my rate had been adjusted downward.  I got a major song and dance about how they were backlogged, this would be taken care of "soon", etc, and this went on for at least three days.  Finally, I went over there in person and was met by a higher-up official who told me that it was *not* their policy to float down, but because I'd been mistakenly told this, they would float my rate down this once, and once only --- so that if rates were to fall again, I'd be out of luck.  I walked out with a piece of paper confirming my one-time floatdown.
    3)  In the midst of this,  I wrote to Mike Donoghue, the head of the organization, to express my dissatisfaction.  He ignored my mail completely.
    4)  Toward the end of the application process, rates fell again.  In view of what they'd told me the last time (see point 2 above), I assumed I was entirely out of luck and would not get another floatdown.  But when I went over there in person and made it clear that I was prepared to stick around until I got satisfaction, they did in fact give me the second floatdown.  So in the end, they honored their original commitment --- but only after telling me several times that they wouldn't, and only because I had the time and energy to go sit in their office until I got a response.
    5)  I should also mention that nearly every single time I was in that office, the receptionist was chattering away with someone or other about hairstyles or last night's TV schedule or some other thing that was totally out of place and unprofessional.  It gave the whole operation a very cheesy feel.
    6)  Throughout this entire process, Patrick at Liberty Home Funding stayed in touch with me, kept me educatied and gave me excellent advice.  If I had this to do over again, that's who i'd do it with.
    - steven l.
  • F
    Quicken Loans
    I didn't fall into this predatory lending practice ploy. Tries to sign you up for higher than normal market price interest rate, over a full point higher than any other competitor. Closing costs were thousands higher as well.
    - jason m.
  • A
    CENTERPOINTE MORTGAGE
    Very smooth, but I knew the mortgage product I wanted, which simplified all discussions. They accommodated payment of the appraisal fee by a third party and waived the application fee because I was a referral. The $1025 cited above was the loan origination fee. The APR of the loan was competitive; I think I could have done better dealing directly with a credit union or on-line mortgage originator, but I was working against a deadline so chose a local brick and mortar business.
    - MICHAEL F.
  • C
    Fairport Mortgage
    The application process was smooth, the staff was professional, The property was appraised for slightly over the purchase price; the $325 spent was for the appraisal. However, the underwriter turned down the loan application citing condition issues with the property being purchased. These condition issues were discovered by reading a home inspection report that I paid for and provided to them (ironic). Once I was notified that my application was declined, I requested a list of items that needed to be fixed prior to closing. This was not provided, nor was my phone call inquiring about this returned. It's certainly a lender's prerogative to create and apply underwriting standards, however most real estate professionals characterized this experience as a failure of common sense underwriting. This failure of common sense is a basis for my unwillingness to do business with this firm again and my rating of the overall experience.
    - MICHAEL F.
  • A
    NOTHNAGLE HOME SECURITIES
    They were pretty efficient. The underwriting process went pretty smoothly and they had good rates. They seemed professional. We really liked the woman that we worked with but she doesn't work there anymore.
    - John B.
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Mortgage Brokers in Rochester

Companies below are listed in alphabetical order.

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    V
  • Vilaggio

    1000 Centregreen Way
    Cary, North Carolina