ConsumerDirect Mortgage, a Division of FirstBank

Best mortgage experience ever! I had an assigned point of contactHe communicated with me by email, walked me through the process step by step, explained every single charge, whether or not I could opt out, choose my own, etc If another person got involved from a different department, they did a "warm hand-off": he notified me by email of new player on the team, and then new person contacted me by email shortly thereafter Lowest fees I have ever seen in mortgage

I am writing this review more to educate those who are considering refinancing for their first time to save you time and money if you own a condoI saw an ad for Consumer Direct and submitted an inquiryI received an email and call immediately from [redacted] He reviewed the process and provided me with a good interest rateI was interested to start so he asked for my credit card immediately to get an appraisal done ASAPThe appraisal cost was $I then proceeded to complete all the paperwork and upgraded my homeowners insurance to meet the qualifications to be granted a loanThis process required a significant amount of time with my insurance company and completing all the paperwork on top of the fact that it was during the week of Christmas, which is stressful and hectic by natureAfter the appraisal and paperwork was completed, I get a call from [redacted] that my loan will not be accepted due to the fact that my homeowners association is in the middle of a lawsuit and did not have enough funds on-handI have no issues with either of these reasons since that is their practice and completely understandHowever, they knew upfront that my home was a condo and for that reason some of their standard questions should have been to inquire if we were in a lawsuit or about the funds [redacted] was very quick to provided me with a detailed email listing a number of items that I would need to complete therefore, I believe he could of inquired and asked about the status of my condo in the beginning to ensure I was qualified before proceedingTransparency upfront would have been appreciated to avoid me paying $and my valuable time

I called Charles P., directly, after reading the reviews of this company on Revdex.com.org and saw numerous instances where people raved about him I do not know how the refinance process goes with this company, because he helped me crunch numbers and showed me it was not in our best interest to refinance (even though this meant he would miss out on our business.) When we move, I will definitely call him first and perhaps this company if they are anything like him!

Excellent rate! Excellent service! Didn't charge a plethora of other "fees" as other lenders doVery satisfied! Have already recommended to a friend

I've been through the mortgage process several times before but the experience with ConsumerDirect Mortgage was by far the easiest and the best

Best financing experience ever! My compliments to three individuals in particular, Stephen S., Kimberly Sand Magen D I could not be more pleased with the level of professionalism and promptness displayed by these individuals and their whole team Great Product, great interest rate and great people!

4Highly recommendedConsumer Direct is a pleasure to work with, and without a doubt the BEST mortgage company I've usedOur agent [redacted] was A+++ - extremely knowledgeable, helpful and worked hard to get us the best rate and a super fast close date.The process was smooth and efficient We were qualified by [redacted] on the first call, were able to upload all documents required online, and had underwriter approval in one weekThe loan closed around after days the first call (closing took less than an hour and was at our home)I've experienced every home buyers nightmare - from rates higher than quoted to 120+ days to closeConsumer Direct is a truly excellent mortgage company with great customer service! and the antidote to the bad experience of using a "major lender"

The Good, the bad and the ugly The good - our loan originator [redacted] Knowledgeable and attentiveThe bad - our appraisal Appraiser assigned by CD Mortgage made many factual mistakes on our appraisal and was not cooperative in changing themThe mistakes affected the value of our homeThe Ugly - the person who came to our home to sign final papers arrived minutes late AND he required us to print our own mortgage papers - we had to use pages of our own printer paper and most of a new ink cartridge and it took additional minutes to print! Then, days after we wired the money for our closing costs we got a call that the funds had not been received We had properly wired thm to the correct placethe whole thing was stressful! Started out good but went down hill

The mortgage refinance process with FirstBank - Consumer Direct Mortgage was a very positive experience, the experience staff was great to deal with, and the process was successfully completed I would recommend anyone considering a home mortgage or refinance to check out FirstBank - Consumer Direct Mortgage

Dean, Mary and Kate made my refinance a stress free experience I appreciated their responsiveness and follow through throughout the entire process I would recommend Consumer Direct to anyone! They were great to work with!

I just completed my mortgage loan with Consumer Direct Mortgage, a Division of FirstBank All I can say is they are absolutely awesome Because they are a community bank and not a large, unfeeling money center bank, they really care The fact that we did everything via the web makes me even more impressed with their high touch approach to this process I would grade them with an A+ Joel Band team You should give them your trust!

It was great working with Consumer Direct on my mortgage refiCharles Pwas prompt and courteous and made the process go very smoothly

It was important to me and my husband that we got the best deal, so we started our loan process by comparing three different lendersThe other two encouraged us to avoid any online lending and told us many horror stories to make their caseBased on the promising numbers we went forward - cautiously - with Consumer DirectI thought for sure the numbers would change at the last minute, but they didn'tEverything worked out just as Dean saidWe're really happy with what we paid and the incredibly responsive service throughout the process

I was introduced to consumer Direct by my realtor She felt they would be an ideal fit for my situation She was absolutely correct! The Senior Mortgage Banker at Consumer Direct was a pleasure to work with throughout the entire process The loan closed quickly without a hitch I have recommended others to this wonderful organization and will use them again as needed

Great experience, they were very quick, helpful, and friendly, the best rate I found.Thank you

I've done two refi's with these guys Primary residence and vacation property Competitive rates, low closing costs and very easy process to do everything via internet Then final closing to sign docs was most convenient Closer came to my work location for one and my home for second Timely replies to all my emails - sometimes even in just a few minutes and while after hours!

My refinance loan through Consumer Direct was the easiest loan I've ever doneI was skeptical of a online loan at first but would do another loan with them if the opportunity arises

We were initially nervous going with a non-local lender, but Michael Hwas excellent to work with He was always prompt to respond, clear and reasonable with paperwork requests, and flexible to accommodate our vacation when we were out of cell and internet signal Our realtor agrees that he was very professional, and overall everything went smoothly We have not reached the first payment date, so I can't comment on the servicing side of the business, but so far, so good ADVICE: DO NOT CONTACT CONSUMER DIRECT THROUGH BANKRATE, TRULIA OR ANY OTHER 3rd PARTY! THEY CHARGE A FINDERS FEE Still the lowest overall cost around when I was shopping, but it's a bummer to lose $because you got to the website the wrong way

The whole Refinance process is clearly explained to me by Stephen [redacted] on our first callAfter that,All communication was over email which is very convenient as I can check my mail after work and respond accordinglyFilling up the application and uploading of required document is online which is easy and again very convenientThe whole closing process is simple , as expected and no surprises at all Overall very satisfied

The best refinancing experience ever! What a great group of people who clearly define timetables and actually stick to them Would definitely work with them again! Can't say enough good things about this experience!!