ACCESS CAPITAL FUNDING

Description of Work: I initially tried to contact this office via their web-site, and waited a LONG time,but never got a response. I really wanted to re-finance and the rates were really low at that time, so I went by the office, without an appointment. As it happened, my timing was lucky, and I was able to meet with a representative. He was very helpful and professional, and seemed to want to not waste my time. He made several phone calls on the spot the determine if my condo might appraise out at a high enough value, so that the mortgage loan could be approved. At that point, we started the process of me applying to re-finance. I asked him if we were locking in the rate then, and he laughingly said "NO." That would come later. Then I waited to hear back-- a week or two, I guess. I did not call the company to see how things were moving along--I waited. That was probably a mistake, but truthfully I was flipping back and forth in my mind, trying to decide what length of time I wanted for the re-fi--- 10 years, 15 years, 20 years, or 30 years? As I am nearly 60 years old, I wanted to pay the condo off in 10 years, but was nervous about locking in the higher payment, in case I regretted it later. That was a choice only I could make for myself. Finally Access got back to me and e-mailed paperwork for me to fill out and fax back. The forms specified a 30 year term, but I had settled in my mind on the 10 year.When I called the office,they said to just fill them out as is, and the 30 year could be changed. I did as they said. Then I waited some more. About a week or so later, I received a call to set up the closing date. I still had not been told my interest rate! When I asked, I was a rate that was based on the 30 year-- so it was higher than it should have been.When I objected and pointed out that no one had ever really told me WHEN we were locking in, I was kinda pressured to go through with the re-fi, as it was too late now to change to a 10 year rate, even though I had told the secretary the previous week that I had decided on the 10 year term. I was a little exasperated, as I had done everything asked of me in a VERY timely manner, but the communication from their camp seemed to be lacking. I guess I felt wasn't making myself heard very well, expecting that their job was to contact me when they needed info , to move the process along. Once the representative realized I was disappointed in the interest rate (which apparantly WAS now locked in) he became extremely accomodating. I think he realized their company had not really listened to me. He offered to lower my closing costs to a level which essentially offset the higher interest rate. I appreciated that and I did go through with the re-fi, but the process was a little choppy for my taste I don't know if I would use this company again or if I should recommend them. I have no doubt at all that the company is on the up and up. I think they tried to give me good service and a good product. My suggestion for future customers would be: don't be shy about calling often and maybe making a bit of a pest of yourself. Be sure they know who you are, and what you want and need. That was the mistake I made--being too patient and polite .

Description of Work: Refinanced existing home mortgage.

Description of Work: Attempted to refinance home mortgage.

Description of Work: We refinanced our mortgage, going from a thirty year to a fifteen year loan.

Description of Work: This company provided mortgage brokering services including finding a mortgage company, searching for a good interest rate, arranging appraisal and explaining paperwork at closing.

Description of Work: I've used Rick and Patrick for 6+ years now for initial home mortgages, home equity loans, and refinancing. No fees, great rates, and great service. I don't even bother worrying about it anymore. If I have a loan I need, I go to Rick. He even did me a HUGE favor on a used car that I purchased this past Summer. I couldn't recommend them more; to me, it is a very easy answer.

Description of Work: Mortgage broker services - Three different times over the past 5 years.