Highly Recommend!As a first-time homebuyer I was shopping around for rates and came across Austin First Mortgage recommended by my colleague who used them for their home in Austin. I decide to call them to know if they serve Houston area, in less than 15 minutes, I received the quotes from them with such fantastic rates that none of the other lenders could even come close. I decided to go with them. Since not local, I was worried about communication and service, but from day 1 their team did a fantastic job in putting things together step by step and getting my mortgage ready in time for a very short closing deadline. Daniele our loan officer was so easy to work with, she was very knowledgeable and responsive, answered my emails and phone calls right away. She explained everything and kept me in the loop every step of the way. I couldn't be happier. I would highly recommend her! All paperwork and numbers were provided well before closing and allowed me to review everything in advance. Our closing costs came in even less than expected because she was able to offer multiple lender discounts on top of their low fees and no points charged for such good rate. Austin First Mortgage got 5 stars from our Real State Agent and our Closer as well, because our financing stood out against their other clients.
Very honest, professional and hard working team. Got the best rates compared to all other brokers and banks.
Unfortunately, this is the mistake I made when I trusted this place and I got my loan through Rabih Chamseddine. In the beginning, he educated me about the loan and the requirements. After closing, I received a mail from Cenlar that they bought my loan. Cenlar is the worst mortgage company anyone will have. You have to call and call to get what you need. Rabih didn’t inform me at all of this change and they sold my loan to another company. Even when they increased my payment the second year, I contacted Rabih and his respond was that if you can’t afford the house, try to sell it or rent it. I told him isn’t about that; it’s about the fact you changed the loan company without my consideration. So, if you want to get a loan, make sure you STAY DAMN AWAY from Rabih Chamseddine, and Cenlar.
A big THANK YOU to Nancy and team for helping with the loan and closing on time.It was difficult with the initial issues we had to close before the actual date and processing was done in less than 3 weeks.Provided very low rate when compared to others and was a easy decision take. Was little hesitant as I had to work with the team offline since I was from Dallas but was very well taken care through email and phone conversations. Looking forward to work with you all in future and I would definitely recommend Austin First Mortgage to my friends and family.
Hoa Phat plays the game of ‘jungle laws Vietnamese Communist’ , they did not delivery the money to the recipient while the Name and the Address was correct in the ID, they said 'because the expiration date in the ID was expired', and also refused to delivery money to the secondary recipient who has 100% valid ID. After numbers of phone calls and 'begging for the money' from my relative to pay for the urgent Medical expenses, they acted like doing the charity to the recipient. This kind of behavior is similar to the 'Jungle Laws of the Vietnamese Communist' and now they are trying to implement in American soil, to the American people, just because they know we need to send money to the love one in Vietnam for emergency!I would find the other companies to send money, good bye to the ‘Vietnamese Communist behavior’ like Hoa Phat!
I completed a home purchase this summer with John's team, the fifth time I have used them over the past 15 years. Always very efficient and fast, with no last minute surprises like with some other I have dealt with (lot purchases etc.). Highly recommend.
This place is a total mess trying to boom with no focus on their foundation.If you are looking into applying for the closer/funder position, make sure you're gay. If you're not gay, you still have a small chance, just hope you don't have small children. Closing manager is extremely discrimantory towards people with small children and who are not gay! This place focuses strictly on mortgage bankers. It pays no attention to what goes on in their operations dept. Very low pay for the amount of work you do, don't intend to have any family time and don't intend to be respected. The closing manager is not very knowledgeable in her department as a whole. No college education and definitely has never had manager training. If you want to work in Sente's closing dept, be prepared to work for an emotional mess of a person. Decisions made off of emotions and not actual performance. Look some where else unless you are absolutely desperate to be overworked, underpaid, and have terrible benefits!
We recently refinance through Austin First Mortgage. Process was not that bad. We did run into some issues, but they were able to fix it without causing much delay. You do need to follow up with them on a regular basic. The bad part was after we closed the mortgage. We were inundated with mails from life and home insurance. Its almost a month and we keep getting 2-3 mails a day. Avoid if you can. There are many more mortgage company that are honest in the way they do their business. AFM- Please stop selling our information. We will be reporting them to BBB as well.
Annie was my loan processor. Who closed my several loans within a year. I have to say annie is the best ever loan processor. I am a real estate agent working with my clients for many different lenders. I understand how complicate the documents is, How other loan processors doing their work. Annie always work with clear logical protocol, can clearly answer questions, explain reasons, share her knowledge, very professional. She like to work extra hour to get the loan in time manners so we have no trouble for closing on time. She also very cooperative to other party as well such as title company, real estate agent. Whenever I have client shopping lender for finance ANNIE'S name always on my top list. Because of her I am stick my finance with Austin First Mortgage. She is extremely good, reliable, responsible, count on person. I have refer all my clients to Austin First Mortgage.
This place was terrible. I am a 1st time home buyer and I wanted to leave this review as it was originally brought to my attention that this company had great reviews and were the best rates in Austin. I worked with Chris Marmolejo, and the initial contact call went great where he informed me that I was able to be approved for my 1st home purchase. However it was all downhill after that, during the call Chris advised he was going to send me some information that explains the process and what to expect. The email never came through, I called him 4 days later and left a voice mail advising I never received the email. Chris never called back or apologized (no big deal) but magically the email came though. After that Chris and his assistant Heather requested all documents to move forward with the mortgage loan I sent the required documents and did not hear back from neither Chris nor Heather until almost 3 weeks later. (They initially told me I would hear something back from them within 48 hours.) When they finally did give me a response it was via my email asking for an update and was told by Heather that all looked good and that was the reason for the silence. Really, that was horrible customer service for me being a 1st time home buyer, I did not know silence meant I was all in the clear to start searching for a home. Aside from that during the wait for an update on approval I contacted Chris and asked for info regarding going with a USDA loan instead of an FHA loan. Chris said he would send me some information on that......another 3 weeks later I still have yet to hear any information about the USDA loan. I finally ended up going with a different mortgage lender and come to find out silence is not what to expect when you are waiting for approval information on your mortgage loan. Don't waste your time if you are a 1st time home buyer or if communication is important to you.