ConsumerDirect Mortgage A Division of FirstBank

About us

ConsumerDirect Mortgage is a division of FirstBank, headquartered in Nashville, TN and with its main operations and roots in Lexington, TN. We are a 106 year old, FDIC insured bank with over $2 billion in assets. FirstBank is the largest privately held bank in Tennessee, are a Certified Bankrate.com Lender and hold Five Star ratings on Zillow.com and LendingTree.com. At ConsumerDirect Mortgage we help homeowners of all kinds achieve their financial goals using Conventional, FHA and VA loan products, which we can originate in all 50 states. Our leading edge technology allows us the ability to do more with less and pass that savings along to our customers. Additional DBA - FirstBank. Additional phone - (561) 921-6475. http://consumerdirect-angieslist.itclix.com/

Business highlights

117 years of experience

Services we offer

Mortgage.

Amenities

Free Estimates

Yes

Accepted Payment Methods

  • CreditCard
Reviews
5.01 Reviews
Number of StarsImage of DistributionNumber of Ratings
5
100%
4
0%
3
0%
2
0%
1
0%
Showing 1-1 of 1 reviews
Joshua K.
Mar 2016
5.0
Yes, I recommend this pro
unknown

Yuan C.
Oct 2015
1.0
$400
Typical Bait and Switch shop
After the loan officer locked in the interest rate for me,  he vanished and it is extremely difficult to get hold of anybody. As a first time home buyer, I have a lot of questions and would like my lender to be responsive and let me know what the next steps of the process are. When dealing with them, I was surprised how little they know about the process and how it works - they are supposed to be experts! They got my application mixed up with somebody else's and refused to fix it; in their words, " it is not very important". Yes it is to me because they listed me as " foreign national" while I am a citizen, and I cannot even apply for homestead exemption if I am foreign national. I provided the documents they needed from us within one hour every time; however, they answer phone calls and emails only after I called them 10 times.  Two weeks before closing, they requested me to" fix all the items that need repairs stated on home inspection report" in order to issue the loan! The house was not even under my name yet! Am I supposed to break into a house I don't own yet and have myself arrested?? The loan officer then blamed me for sending in the home inspection report : I did exactly  what THEY asked  me to do -send the home inspection report before the loan can be issued! They require you to escrow your home owner insurance, property tax, and I asked if there is an option of not having these escrowed, I got a very vague one word answer from the loan officer, which I did not understand.
 We almost lost our dream home because of their incompetence and unprofessionalism. We finally dumped them and went with another lender - it worked like a breeze and they were able toclose for us within three weeks. It has been a nightmare dealing with Consumer Direct; I know they are a little cheaper, however, buying a home is one of he most important decision in your life, you want to find a lender that is responsive and knowledgeable: shop around and don't be fooled! I wouldn't recommend them to my worst enemy! This company should not even be in business, in my opinion.

Katelyn P.
Sep 2015
5.0
Yes, I recommend this pro
We were extremely pleased with how Consumer Direct handled our mortgage.  Robert Jay was our mortgage officer and he was honest and more importantly realistic with us in every step of the process which set us up for success instead of disappointment.  He got back to us right away whether via email or phone and he pointed out a lot of things we didn't think about and helped us through every step of the process with a lot of patience (we were first time home buyers trying to snag a foreclosure).  
Consumer Direct had one of the best rates we could find, and was one of the highest rated mortgage companies (I must have researched 30 different companies...).  The closing process was smooth and FAST!  The seller wanted to bump our closing date up by two weeks, and Consumer Direct had no problem accommodating!  We closed VERY early and without a hitch.  The only thing that could have gone smoother is that the appraiser they hired was a little on the slow side and we had to request an addendum to our contract to extend the appraisal contingency.  That wasn't their fault, but it was a little stressful... in fairness, if you're not buying a foreclosure with very short contingency periods, this probably wouldn't be a concern for you.  
I would highly recommend this company and although I hope we never have to move again, if we do, we will probably get our next mortgage here as well.  A+

George H.
Jun 2015
5.0
Yes, I recommend this pro
.

Todd R.
Jun 2015
5.0
Yes, I recommend this pro
$1,800
.

Jeff A.
Jun 2015
5.0
Yes, I recommend this pro
$1,500
unknown

Nancy L.
May 2015
5.0
Yes, I recommend this pro
$900
unknown

Ankush O.
May 2015
5.0
Yes, I recommend this pro
.

Brent H.
May 2015
5.0
Yes, I recommend this pro
unknown

Francis C.
Apr 2015
1.0
unknown
Response from ConsumerDirect Mortgage A Division of FirstBank

"I have reviewed and researched your complaint. The loan officer assigned to your inquiry tried 8 times to make contact with you to get the information needed to answer your questions. Unfortunately the questions posed required more details that you were willing to offer. If you would like to offer the information needed to give you an accurate estimate, we would be more than willing to give that in writing."


James F.
Apr 2015
3.0
unknown

Timothy S.
Mar 2015
1.0
Attempted to complete a refinance, experienced some complications with the appraisal. Tried to dispute the problem regarding the appraiser and her appraisal and ConsumerDirect was not responsive. Stated "[we] have to take what they give us".
Worked with another appraiser to provide a detailed dispute and was told that they would not accept this information. Ended up working with LenderFi.com and on target for a smooth closing with them.
Response from ConsumerDirect Mortgage A Division of FirstBank

"We are required by law to follow the Home Valuation Code of Conduct (HVCC) act of 2009. The customer was offered the opportunity to dispute the value with the appraisal management company. We are not allowed to have contact with the appraiser or influence the value of the property in anyway."


Sivakumar S.
Mar 2015
5.0
Yes, I recommend this pro
$1,500
unknown

Carla I.
Nov 2014
5.0
Yes, I recommend this pro
When things began to go sour with the home mortgage loan we were getting from Chase Bank, we contacted David Matalan at ConsumerDirect Mortgage. David was very fast in getting back to us and gave us a quote the same day we contacted him. The quote was better than anything we were able to find in our own city. If we hadn't been in a time crunch, we would have been happy to go with ConsumerDirect to secure our home loan. Unfortunately, we were not able to postpone our closing long enough to wait for the new loan application with ConsumerDirect to be approved.

Licensing

State Contractor License Requirements

All statements concerning insurance, licenses, and bonds are informational only, and are self-reported. Since insurance, licenses and bonds can expire and can be cancelled, homeowners should always check such information for themselves. To find more licensing information for your state, visit our Find Licensing Requirements page.

*Contact business to see additional licenses.

FAQ

ConsumerDirect Mortgage A Division of FirstBank is currently rated 5.0 overall out of 5.
ConsumerDirect Mortgage A Division of FirstBank accepts the following forms of payment: CreditCard
Yes, ConsumerDirect Mortgage A Division of FirstBank offers free project estimates.
No, ConsumerDirect Mortgage A Division of FirstBank does not offer eco-friendly accreditations.
No, ConsumerDirect Mortgage A Division of FirstBank does not offer a senior discount.
No, ConsumerDirect Mortgage A Division of FirstBank does not offer emergency services.
No, ConsumerDirect Mortgage A Division of FirstBank does not offer warranties.

Contact Information

220 Congress Park Dr, Ste 140, Delray Beach, FL 33445

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