Spencer Lumia, Loan Officer at FBC Mortgage, LLC Reviews & Ratings

Loan Officer Profile

Spencer Lumia

NMLS# 1247908

Average Rating:

[22 Review(s)]

State(s) Served:

Current Employer: Loan Officer FBC Mortgage, LLC [Orange Orlando Florida]

www.fbchomeloans.com

Phone: 813-200-8122

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Excellent Service by Stacy F
Reviewed March 28, 2024 | Rating:

Spencer was great. He keeps me up to date on everything that is being required. He is punctual with responses and was always able to fix all my concerns.

Review Questions and Answers:

1. Loan Type FHA	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan:	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Likely
6. How did you hear about your lender?	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Spencer and team are outstanding by Stephen M
Reviewed February 26, 2024 | Rating:

Soencer Lumia and the FBC Mortgage team were with my fiancee' and I through the entire process. Great communication and great rate!

Review Questions and Answers:

1. Loan Type Conventional	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan:	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Incredible Experience by Blaine L
Reviewed December 05, 2023 | Rating:

From start to finish, Spencer was incredible to work with! During the initial application/pre-approval process, Spencer made himself available on evenings and weekends to make sure all of my questions and concerns were answered! Throughout the entire construction process Spencer stayed in constant communication and made sure I was aware of any updates or changes in the statutes/stage of my approval! Definitely recommend the team at FBC!

Review Questions and Answers:

1. Loan Type FHA	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan:	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Useful Tips

Research the general documentation required for the pre-approval process and have those ready, it will save you a lot of time!

Finally Found A House by Kathleen S
Reviewed November 05, 2023 | Rating:

Excellent experience from start to finish.

Review Questions and Answers:

1. Loan Type FHA	8. Did your loan close on time? Yes
2. Loan Term	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan:	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Other	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Superb Experience by Trent G
Reviewed October 20, 2023 | Rating:

Spencer made what is normally a very stressful experience manageable and smooth. Proactive communication and always felt he was my advocate

Review Questions and Answers:

1. Loan Type Conventional	8. Did your loan close on time? No
2. Loan Term	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan?	10. Was your call returned in a timely manner? Yes
4. Processor on Loan:	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Excellent Home Loan Officer by Derek R
Reviewed May 17, 2023 | Rating:

Working with Spencer Lumia was fantastic! The online application and approval process was simple, and Spencer was easy to contact. He gave us a competitive rate that was lower than USAA and Veterans Homes United, and he closed in less than 30 days.

Review Questions and Answers:

1. Loan Type VA	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 3 – 6 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan:	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Spencer Deserves a Raise by Brian A
Reviewed October 19, 2022 | Rating:

Building a home that took two years to finish was very aggravating and at times disheartening. Spencer was the only constant in the process. He always returned my calls and went the extra mile to secure the financing for my ever-changing closing date. I think he's the reason I stayed sane through the process. I'll always appreciate his help and guidance through it all.

Review Questions and Answers:

1. Loan Type Conventional	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan: Michelle Yamasaki	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

All hands on deck! by Lisa A
Reviewed July 19, 2022 | Rating:

Spencer was outstanding! He was professional while personable; knowledgeable and thorough. He insured all the parts fit....Well done Spenc!! Thank you!

Review Questions and Answers:

1. Loan Type USDA	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan: Spencer Lumia	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Great team by Olga S
Reviewed July 01, 2022 | Rating:

Great team , Spencer and Travis were super helpfull and were able to answer all questions in a timely matter will recomend to anyone looking for a smooth loan process.

Review Questions and Answers:

1. Loan Type FHA	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan: Travis crites	11. How likely are you to recommend your loan officer to others? Very likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Very likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Very satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Useful Tips

Great team , Spencer and Travis were super helpfull and were able to answer all questions in a timely matter will recomend to anyone looking for a smooth loan process.

Exceptional Financial Service by Kevin D
Reviewed June 23, 2022 | Rating:

Spencer Lumia and his Team where excellent to work with in this process. Whenever I had a question no matter how ridiculous, He always replied quickly and with knowledge for me to understand. What a Great Company to work with.

Review Questions and Answers:

1. Loan Type Conventional	8. Did your loan close on time? Yes
2. Loan Term 30 Year Fixed	9. Was your loan program appropriate for your needs? Yes
3. When did you close the loan? 0 – 3 Months Ago	10. Was your call returned in a timely manner? Yes
4. Processor on Loan: Spencer Lumia / Travis Cites	11. How likely are you to recommend your loan officer to others? Likely
5. Do you feel you received a competitive rate? Yes	12. How likely are you to recommend the loan processor? Likely
6. How did you hear about your lender? Builder	13. How satisfied were you with the processing of your loan? Satisfied
7. Branch? Tampa, FL	14. State Property In Florida

Useful Tips

Have All your Financials in Order, don't keep anything from the Lender and Always be ready to answer any questions the Lender May have at any given time.

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