Mark Hoffman handled our loan and did a fantastic job. The process was smooth and our agent loved working with Mark and Home Loans Today. The support staff was excellent as well.
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I was very happy that I was able to close on time with no hidden costs at closing. The lender was always available when I needed to contact them with questions.
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I was a bit skeptical of Home Loans Today given that I'd found them on Zillow and they were offering the lowest rate. However, my fears quickly abated after one phone call with Mark Hoffman, our Senior Loan Officer. Mark's customer service style is direct, efficient, and easy to understand. We are currently living in Africa, buyin a house in PA and have an expedited closing date. The entire process went off without a hitch and with minimal stress.
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We had many speed bumps along the way. Mark and I spoke initially and he mentioned he was going out of town for a few days and he would get back to me. Unfortunately, I had to call HIM back. Then our processor changed in the middle and some documents were "lost" in the transfer. I had to send duplicate information several times. They ( processors) could not seem to think outside the box about several issues we had which were all very minor. I respect the hoops that we ALL have to jump through with the banks now because of all the bogus loans that were made; however, I think this was really a difficult process and I have done this over 10 times, professionally or personally. Information relayed to us by Charlie was not passed along to Mark NOR documented. Information given to Mark SEVERAL times was not understood or passed along to Charlie. I get an email out of the blue after several days of sending information to Charlie that she was no longer working my loan and that Stacey was now working on it.
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I initially plan to refinance with a local lender but when I saw how competitive the online rates were, I decided to do the online route. After calling about 5 lenders, I decided to go for Home Loans Today. My first call with Mark Hoffman was very informative and he assured me that their process is straightforward and simple. True to his word, my refinance was generally a 'painless' experience. Charlie Gold was also very helpful in every step of the way. She always kept me in the loop and she respond to my calls in a very timely manner all the time. 'Exceptional Service' is what I can say of my experience with Home Loans.
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Mark Hoffmann at Home Loans Today was very helpful in my successful refinance loan. I provided all the normal paperwork (you can send electronically too.) My very low rate was locked and they even sent someone to my house for me to sign the closing documents - all in less than 30 days! Mark's co-worker Charlie Gold was very helpful as well. The closing fees were lower than other lenders too. Thanks Mark, Charlie, and Home Loans Today for a job well done!
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I had decided that I should look into refinancing my home as my interest rate was about 5% and I thought I could probaby get a better rate than that. I called and talked to Mark on March 14. At that point I was unsure about whether to proceed or not, but he promptly sent me information which helped me decide to go on. The process was fairly painless-it would have been easier if I was more computer-savvy-but it went very quickly. I do not have a smartphone and I think that would have been a little easier for all involved. There was very little information that they did not ask for initially that they requested later. Mark and Charlie were very patient with me with questions I had. The only hitch in the process was on the day that I closed when I had not received my HUD closing paper e-mails by the time the notary was calling to come to my house for the closing, but I understand that the person who was responsible for doing that was out sick that day. I called Mark and he promptly e-mailed the information to me and went over everything, so I felt comfortable going into the closing. I closed on my loan on April 8 at my house. The only thing I wish was done a little different was that the closing notary left a CD with the closing paperwork on it, but I don't have much access to a printer and I wish I could have had the paperwork printed out.
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Wonderful experience with Mr. Hoffman, Ms. Charlie Gold, and Home Loans Today/FBC Mortgage, LLC.
Two Thumbs Way Up!!!
Highly recommend to anyone looking to finance or refinance a home mortgage.
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I wasn't sure about choosing a lender online that I hadn't dealt with before. However, Home Loans Today has excellent review ratings on Zillow.com and I decided to give it a try. I am extremely glad I did. Their communication was phenomenal. They kept me informed and emailed/called me frequently. I was also impressed with the online application and forms. It made the paperwork process quick and easy. I would highly recommend Mark Hoffman and Charlie Gold to anyone looking for a great experience with refinancing.
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