Kiel was very very friendly helpful and professional. He provided lots of information to help with the correct decision for my loan. I felt as if he was on my side or on my team. I will recommend Kiel to everyone in jacksonville.
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Kiel made my experience of finding and closing on my first home very easy and stress free. He was very articulate in explaining everything and he also worked late night hours and was available whenever I would call. Highly recommend going with Kiel. Very professional and we were able to close on the house in less than 30 days.
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It has been great working with Kiel and his team at FBC Mortgage. He would go out of his way to answer any and all questions regardless of the time of the day, and to make sure that no detail would remain overlooked. His dedication and diligence are exceptional. Highly recommended.
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I was advised by the loan office that items to be paid off by the Title company would be mailed out on the 25th of September. I have placed calls to the Title company and emailed and called the loan office. To this date October 1st the items to be paid off has not happened, and I am getting emails from the Title company asking me for the account numbers to be paid off. I was told by Dawn Blankenship of the Title company that the checks were sent out last week but they were returned. How can they have sent out the checks with no account numbers!!! Spoke to the loan officer today October 1st and he said there computer system crashed!!! Seems to me that I am getting the run around. This week I have been getting calls from the creditors want to know what happened to my payments. As I told the loan officer and the Title company, I am and have been out of the country since the 23rd and have limited internet access. TOTAL FAILURE!!!!!!!
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Loan officer did great , underwriting stage was invasive, redundant, eg typo on credit report required me to creat a signed affidavit stating that my house is not an apartment.
I own some rural vacant properties, I was required to create an additional affidavit stating that my vacant rural land did not have hoa , bizarre and a frustrating waste of time . Refinancing a loan also with Fbc that was way above market rate due to non overdue consumer dept being held against us . We paid off all consumer debt to zero balance. We really wanted the place so we gave in .
10 months later we originated this loan to get market rate . Only financing 60% of homes value . Still needed to produce all property tax documentation from other properties again . Needed to produce homeowners insurance documentation again even though my homeowners is paid from an escrow account held by this bank !
If you like the idea of an insulting amount of underwriting BS this is the bank for you . At one point on my original loan I was even asked for my password for the automated HR site my job has to “hack “ my account for underwriting documentation. Yes, seriously.
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Loan officer did great , underwriting stage was invasive, redundant, eg typo on credit report required me to creat a signed affidavit stating that my house is not an apartment.
I own some rural vacant properties, I was required to create an additional affidavit stating that my vacant rural land did not have hoa , bizarre and a frustrating waste of time . Refinancing a loan also with Fbc that was way above market rate due to non overdue consumer dept being held against us . We paid off all consumer debt to zero balance. We really wanted the place so we gave in .
10 months later we originated this loan to get market rate . Only financing 60% of homes value . Still needed to produce all property tax documentation from other properties again . Needed to produce homeowners insurance documentation again even though my homeowners is paid from an escrow account held by this bank !
If you like the idea of an insulting amount of underwriting BS this is the bank for you . At one point on my original loan I was even asked for my password for the automated HR site my job has to “hack “ my account for underwriting documentation. Yes, seriously.
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I highly recommended FBC Mortgage! Kiel and his team were with us every step of the way and guided us through the process. We appreciated the individual attention and constant communication. True professionals! We are happy to be in our new home!
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I received the help I needed from beginning to end and all my questions were answered promptly. Simply outstanding service.
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Wonderful experience, Kiel is a constant professional and nothing but the best to deal with!
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