ConsumerDirect Mortgage, a Division of FirstBank

I enjoyed my experience with this company in obtaining a new loan. I worked directly with Charles P.. He was very professional. This was the right company for me.

I needed to re-finance my current home for a cash-out mortgage to purchase a retirement home. Taking "let the lenders compete" advertisement to heart, I contacted a number of online lenders. There were two that stood out at the end, since my main goal was maximizing the amount of money that I could get for closing on the new home (I will pay it off withing 3 years when I retire and have access to that money or when I sell my current home.) I chose ConsumerDirect for three reasons, 1) it is a division of FirstBank, a very old and respected bank; 2) they tied for the best rates and final package; 3) my interaction with Charles P., the senior loan officer who worked closely with me when setting up the quote and then following through all the way. I could tell that Charles was committed to his clients and helping them through the process. He was nearly as excited as I was when my wife found our old surveythus saving us about $500 in closing costs.

Charles P. was a great loan professor to work with. If you got him as your loan process, you are in good hands. This company is legit and not switch and bate like some Internet mortgage companies on the Net. As far as my experience working with them, they provided great service. However, prepare to submit them lots of forms for income verification and eligibility.

Charles P. did a great job handling my mortgage refinance: from offering competitive rates when starting the application and guiding through the process, removing roadblocks and even helping with the final steps in closing the loan.

I just wanted to say that my experience from day one has been nothing but spectacular. I took a chance on an online mortgage company and gave them a call. I am glad I did. I spoke with Charles P., who immediately made me feel like I made the right decision in calling them. Charles was my loan officer and worked with me throughout the entire process. He was super easy to get in touch with when ever I needed, walked me through each step of the process, emailed me simple detailed explanations and instructions about every step, and made himself available for me the whole time. He is a super nice guy, is genuine, and again I am really happy I had him as the person handling such a major investment in my life.
It didn't stop there however, besides having Charles on my team, there were several others who were equally amazing. They worked in different departments but everyone worked with me together, and they all gave me 110%. Brittany B. helped me very much through out the process, and then Scott K. helped me towards the final stages of closing. They were both fantastic, and really great people. In my opinion, they all represent the perfect all star team. I will proudly refer people there way every chance I get. This whole stressful process was made much less stressful thanks to everyone I worked with. It was very smooth, and everything was handled quickly and with great attention. Again, they made my experience a really great one. Thank you very much Charles, Brittany, and Scott, you guys were incredible!

I wish to thank Phil B., the senior mortgage banker and Justin G.. the senior loan processor @ ConsumerDirect to make the purchase of a home an easy, smooth process.

This lending process could not have been more transparent and better. I've come across many lenders but none came close to ConsumerDirect. Phil B. and his team were totally outstanding and very proactive. Phil is extremely responsive and you can count on him to close on time, even in a demanding situation. There is no question I'll be using this company again and I highly recommend ConsumerDirect, Phil B. to anyone who is seeking a mortgage.

I have now worked with Consumer Direct Mortgage three times (which probably says enough already). Once on a re-fin and twice on new home purchases. It is my experience that they are simply the best- and I have worked with other lenders in the past (I won't get into those nightmares). Charles P., April M. and everyone at Consumer Direct, are efficient, professional, and communicate very well. There were not any last minute "surprises" that set you back days or weeks from closing- not in my experience. They are thorough and on the ball. The home buying experience is stressful enough, but having a lender that really acts as a partner is a source of relief. Consider them, you won't regret it.

I was working with ***. He sent me two different quotes a week apart. I made sure the closing costs and interest wasn't going to change based on what my score was. So I proceed to put the application in. The next day he calls and says "the lender credit has decreased by $500. I can now only offer you a $300 credit." Which means my closing costs went up. Also he would not lock my rate in until an appraisal was done which in the meantime my rate could go up. He was very pleasant at first until after I submitted my application started changing all the figures. I can't work with someone whom I do not trust. If I could rate a 0 Star I would. Waste of my time and a hit to my credit!

Bad communications to hard. to get ahold of anyone that knows anything about my issue. have been told the issue has been taken care of may 24
my mortgage went into foreclosure and I owed a past amount of 7000 dallors and I found a foundation here in Michigan that will pay the past amount owed. the problem is they" first bank mortgage has agreed to participate with the foundation. but getting ahold of anyone is absolutely terrible. I get a different answer all the time and no one knows of anything. its like its lost and its on my file in the computer at first bank ive waited and went rounds for 4 months with this and I was told on may 24 the paperwork was sent out to me and the foundation. nothing has been received. from both myself or the foundation. I cannot get any relief from the mortgage company. they said they have done this and have not and I absolutely cannot get ahold of anyone in the company to resolve this issue. absolutely bad business.

We worked with Charles P. with Consumer Direct Mortgage and it was a great experience. My husband I were first time homebuyers and we couldn't have asked for a better person to guide us through this process. Charles answered all our questions in great detail (some times more then once) and always returned our calls, texts or emails almost immediately. He even was a available in the evenings to work with our schedules (even more amazing that he is on the east coast and we on the west, so returning our calls at 11pm his time!) We can not thank Charles enough for everything, he even got the paperwork through quickly enough for us to close early. Thank you Charles! We will definitely be in touch with any questions or home purchases in the future.

We just closed our second mortgage transaction with Steve S. and the ConsumerDirect team. In both cases they were fast, honest, and easy to work with throughout the process. In addition, we shopped around for the best rates and lowest upfront costs and both times ConsumerDirect came out ahead. I would highly recommend calling Steve for a quote.

I had a great experience with Consumer Direct. They were thorough, expedient, and very considerate through out the process. Senior Banker Charles was very professional, responsive, supportive and assisted me questions that I encountered without delay and with a very pleasant attitude. He made the experience simple and pleasant and continued to be the watchdog throughout the entire process. Thanks Charles!

I was relieved and very pleased by how smoothly and quickly my refinance went. Charles P.I with ConsumerDirect Mortgage was great - available every time I had a question- patient - gave me thorough explanations and kept me up-to-date and on track. This was a VERY positive experience. I would highly recommend both Charles P. and ConsumerDirect.

Great experience, I worked with Phil B. who was recommended to me; I was given a lot of recommendations so I shopped around and Consumer Direct Mortgage got me the best rate on the market even compared to several people I know in the business who told me they could match or beat what I got locked in. No one could touch the Rate or loan costs. They were responsive, and delivered on everything. We closed on time and it could not have gone smoother. There is no question about it I would use them again.

I worked with Charles P. and Nate P. with our mortgage. Both were great to work with, responsive and genuinely interested in making our experience easy.

They also closed our loan in a very short timeframe. We were under the gun to get closing complete due to work and travel schedules. Their attitude was let's make it happen versus no we can't do that!

This is my second time using them and both experiences were great! Highly recommend using them for purchase or refinance.

A word of advice to anyone going through the mortgage process, have your stuff together (bank statements, pay statements, mortgage statements, insurance, etc.) if you want to close in a short timeframe. If you are slow or unorganized, your loan will take WAY MORE TIME!!!

Charles P. was amazing with Consumer Direct! Answered all of my questions no matter what time of day or night it was. For a first time home buyer, that was HUGE because I felt lost a lot of times during the process but after I called Charles with any questions, he was able to help out so much and make me feel more comfortable. Everyone in their office that worked on our loan was on top of it and super helpful. Definitely felt like I had a huge team of people there to help me out with any questions. Not to mention the competitiveness of their loan products was amazing!!!! Thanks so much for a great first time experience (and saving us a from a potential horrible experience with another lender)!

I found the staff at Consumer Direct Mortgage to be very professional, helpful, and friendly. I was completely new to the home buying experience and they walked me through every step with professionalism and patience.

I was extremely satisfied with Consumer Direct Mortgage. Not only did they give us the best interest rate, but the entire process was smooth and on time. Each person I spoke to was knowledgeable, helpful, and easy to work with. They kept me updated with every step of the process. I would highly recommend using ConsumerDIrect Mortgage!

This was one of the most greatest experiences in getting a loan that I ever had. They were extremely great!

I found CDM when comparing interest rates offered by different mortgage companies online. CDM offered one of the lowest interest rates at the time. CDM also presented a large number of positive reviews demonstrating the legitimacy and integrity of the company. I reached out to CDM and spoke with Charles P., who from the beginning made me feel very comfortable. He answered all my questions, even the seemingly stupid ones without any hesitation. Charles has a pleasant personality and calm demeanor, and is a pleasure to talk with. He expediently answered my calls and emails letting me know when documents had been received and so forth. He made each step of the process go smoothly as did each staff member as the loan progressed through the different phases of the process. The process went seamlessly and quickly. I received the rate I was quoted. I did my part and got all my required documents in and papers signed as quickly as possible and CDM did their part likewise. I would recommend CDM to others in need of a mortgage company.