Integrity Home Loan of Central Florida

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After all that time to get to closing... My rate wasn't even locked in until a few days before closing. Also, the hud 1 didn't account for the fact that I still had my title insurance from initial purchase (which I had provided)--the hud 1 had me paying for an entire new title--luckily, the woman doing closing had me make another copy of it, and she had it adjusted. In all, I'm happy that I did the refinance, but disappointed that the company seemingly let me fall through the cracks for so long. The delay was blamed on someone new (in underwriting, was it?) Who apparently was doing her nails for a couple of weeks instead of working, causing a backlog. I don't care who's responsible--I just wanted the company to take ownership of the situation and apologize for the runaround and delays. I initiated every check to see how things were coming along. As it was, they didn't even keep my loan for a day--the closing paperwork already showed my loan sold to flagstar bank. Integrity home loan had no vested interest in me.

Stated above--we did not get a home warranty--which is ok if I would have know . Why advertise it and then tell me, and quot;oh we stopped that before you closedand quot;

It turned very well. They call me when they have options to lower the rates. I would recommend them to others. We would use them again.

It was fine. They did a good job. I would consider using them in the future if needed.

I will never touch them again. It was the most miserable financial experience I have ever encountered. They keep calling every now and again to try to solicit business. I felt like the process was a bait and switch. I felt like I was locked in at a certain rate, but the rate would change.

I was satisfied with the service. I would consider maybe using them in the future.

They service turned out very well.

They did good. They were fast and responsive.

Integrity was the only mortgage company of more than 20 I contacted who was able to locate a lender for a S FL condo that was momentarily (2-3mo) on the Fannie Mae list of accepted properties.

They are really good people to work with. They did a great job. I received a lower interest rate which was helpful. They put together a really good package and I was very pleased with the outcome. They arranged for an appraisal on the home as well.

The service turned out great.

The service turned out great. It was a pleasure to work with them.

They did a good job. They were very proficient. They were one of the best that I have used over the years. I was very happy with their service.

They did a really good job. My husband was very pleased with them.

All of the costs were rolled into the financing. Their service was good. When it was over and done I was skeptical of the service but this was the best company of three that I got estimates from. The process was very quick and the rates were unstable from what I was initially told.

They did a great job. They did not require an appraisal and there were not a lot of add-ons. They were better priced than their competitors. They were very easy to work with and I have had a couple of friends that have used them again. They had great follow up and did what they said they would do.

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can't remember the details now, it was over a year ago, but I do remember thinking that this company did everything they were supposed to do, promptly and professionally. Which is NOT something you can say about most companies nowadays.

We refinanced our investment property through Harp 2.0. Integrity was one of the few lenders who would handle it. The closing costs were rolled into the loan.
The only negative was that the refi took 3 months, but I think that was because of the HARP 2.0 program (we were among the first to do it) rather than Integrity.
Jesus Oliveras was fabulous to work with. He is communicative, informative, friendly, and not pushy. The pricing seemed fair. We will recover the closing costs in approximately 3 years, which seems quick for an investment property.
Integrity got our loan precisely because Jesus was nice to work with (in direct contrast to some other lenders we contacted).

It seems everyone has experienced, or knows someone who has experienced, terrible problems w/ mortgages in our current economy, either securing a mortgage or trying to work with a lender on an existing one. I feel really lucky to have had possibly the only perfect escrow experience in the western world. Most of this is due to Jim Shamshak at Integrity home loan. Responses from Jim were nearly instantaneous, as if I my account were the only one in the world. We were ready to close at least a week before the proposed due date. The loan fees were reasonable and honesty appeared to be important to the company. No junk fees anywhere! THANK YOU!

Advice to homebuyers in Florida - use Integrity Home Loan!
Advice to buyers in other parts of the country - use a local firm!!!! They are without a doubt more accountable than larger, nationwide firms.

We contacted Integrity Home Loans after hearing numerous radio advertisements on the radio. We were never more jerked around with everything from the interest rate to qualifying. The mortgage broker, Mr. Alan Dale was nothing but a fast talking salesman, he probably sold used cars before selling mortgages. We liked Integrity because they were local and came to our home for all of the paperwork signing, including the closing. However, in the beginning Integrity wanted almost $15,000 for closing costs including a $4,000 broker fee, we said absolutely not and decided to look elsewhere. The owners of Integrity called us and offered to waive the broker fee, so we again proceeded. We still ended up paying more than $11,000 to close the refinance deal and even the closing agent who came to our home on the closing day couldn't explain all of the fees associated with the deal. Very disappointed!