Province Mortgage Associates NMLS #2861

If you think the home buying process is confusing and overwhelming, Province Mortgage Associates will make it a night mare. I picked PMA because my realtor recommended to me. The process started OK. With a credit score of about 691, I got an interest rate of 3.625%. They helped me to clean improve my credit score to 779 by disputing a bill collection; however I was told that the interest rate would stay the same. Two weeks before closing, I asked the Mortgage Advisor if there was going to be any delays on the closing. He there were not going to be any delays. Based on that, I planned on moving a day after closing. So, I made a reservation for a moving truck, start/stop the services on my new and old location, found people to help me moving, found another person to occupy my apartment, etc. Two days prior closing, the Loan Processor sent me a new GFE for 3.99% with a still a higher loan amount. In that e-mail, she asked me to sign, date and fax/email the Truth-In-Lending Disclosure back to them. I called the Mortgage Advisor several times to clarify the increase of interest rate, but there were no response. So, I ended up e-mailing and calling the president of the Broker Company, in order to find out what happened. Mainly I stated they should take full responsibility for their actions and respect the 3.625% they provided previously. He didn?t agree and they were not going to take responsibility for the chances. This chance in interest rate cost me an additional $85 dollars a month and one of the most stressful, disappointed and frustrating times of my life. Long story short, I would not recommend Province Mortgage Associates at all.

Rhonda Delsignore at Province was able to secure a VA loan for me. She was extremely helpful, patient, thorough, and prompt. I purchased a short sale home and the whole process was very long and frustrating, but Rhonda was excellent to work with and none of the delays or difficulty had anything to do with her or Province.

Dan was excellent in putting together our mortgage, we bought a forclosure and used a 203K construction loan. We not only we able to buy a house for way undermarket value on the East Side of Providence; we also were able to be refered to an excellent contractor. We closed on time and underbudget, We coudn't be happier with Dan Hartman.