FIRST CAPITAL MORTGAGE

See above.

I found Zeke through a builders open house 1.5 years ago. He had my information on file and continued to send me email updates on the current market conditions for over a year. He came across as professional and well informed. When I was ready to purchase a home I used him as my broker. The process began smoothly, he was very responsive and communicated well. However, he assured me that I was an "easy case" and would have no problem closing in 30 days (first time homebuyer with 20% down payment, excellent credit). To sum it up, my escrow took almost 2 months and when I went to sign my loan papers I discovered that I was being charged PMI, even with 20% down. He had put me into an FHA loan that required a $9k upfront payment to get into because it was a "special program" with such a "great rate". I was getting 5% after paying 1 point at a time when regular interest rates were hovering around 5%. I was forced to take the bad loan because the seller was going to back out of the deal. Zeke obviously did not know the loan product at all and was incredibly careless with my application. After arguing with him over the situation, he agreed to refund me all of his fees, which I believe was the right thing to do. However, after getting the refund I discovered that he was charging me a full point for only a .25% reduction in the interest rate. He was dishonest, careless and completely uninformed about his product. Now I'm stuck paying PMI when I should have just been placed in a conventional bank loan, not FHA. I DO NOT recommend Zeke or this company.

Great job. Got us locked in at a great rate which was only available during a short window, answered all our many questions, and saw us through to a smooth closing. Cost was very fair. Very professional all the way around. Highly recommend.

Bob Foote and his associates were outstanding. They were responsive and professional. They had no problem with the fact that I shopped around the loan to get the lowest price. There were not only able to match the loan products and price but they offered me a better interest rate and product. Bob went above and beyond in our home mortgage. The real-estate industry can be difficult to navigate and it was so wonderful to find a company that was honest, professional and patient. They even went further in placing a call to give their personal experience on another contractor that they knew we were using. We will continue to work with Bob Foote on any and all real-estate transactions. I take great care in my reviews on this site because I value real feedback. I did not hesitate to give this company all A's.

FIRST CAPITAL MORTGAGE WAS EXCELLENT. THEY WORKED TIRELESSLY WITH MY HUSBAND AND I TO GET US FINANCED. THEY WENT ABOVE AND BEYOND TO MAKE SURE WE GOT THE BEST RATES.