Working with Ted made my refi experience a lot easier than I expected. He handled everything. I wish I would've went with FBC when I first purchased my home. Already recommending Ted to my friends.
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I am a first time home buyer. I had no idea what I was doing, Ted S, Madalan M, and Barbara T made it easy. If I didn't understand something they explained it. If I needed to get in touch with someone they informed me. I will definitely recommend them to friends. If I do buy another house in future I will be calling calling them. They made purchasing a house easy.
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Ted Smith was excellent in filing all the necessary paper work to meet the new guidelines. He is an excellent loan officer. He made this process effortless for us. We would highly recommend Ted Smith for any applicants to use as their loan officer. He was a pleasure to work with.
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I am a Broker with a local real estate company and have utilized Ted Smiths services to assist my customers with their purchases on multiple occasions. In this particular transaction, Ted and his team helped me purchase an investment property for my family. Once again Ted and his team exceeded all expectations. Ted's knowledge and expertise in the mortgage industry stood out from our first conversation. He is very responsive, answering all questions, and returning phone calls in a timely manner. I noticed this first hand with this transaction (my personal purchase), but have also had many customers speak very highly of Ted and his team. Highly recommend Ted and his team!
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Ted and FBC did more than just handle the financing...they represented us in our first ever foreclosure purchase. He worked with the selling bank's closing agent and provided the location for the closing to occur. It was a one-stop service. The process was stressful at times but Ted always maintained the cool head. In the end we made the deadline (exactly) for closing that the selling bank set to avoid penalties.
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Ted was very professional and was available 24/7 to answer any questions/concerns I had regarding my loan. He went above and beyond in customer service. Stacey was great too. I would highly recommend FBC Mortgage to anyone shopping for a lender.
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I am a real estate broker and I used Ted Smith to finance my new construction purchase in St. Augustine. I've known Ted for years, he gives it to me straight, stays on top of things, tells me what I need to do and when, and got me safely to closing. I know a lot of excellent mortgage brokers, but Ted is the best.
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Fantastic service when dealing with a home loan--I mean when putting down so much money and putting your credit and "life" in these wonderful people's hands, they realize it and work with you every step of the way. Advise and details--everything you need at one place! They are all fabulous!
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Ted was very thorough and the loan closed in 5 weeks from start to finish. The only frustrating part was being required to obtain financial information from a few years ago. At times it was difficult to obtain and my loan hinged on certain documents. I would recommend getting a list up front of every document that you will need. One of the nicest things was that Ted didn't give up and he came to my closing.
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