Accurate Mortgage

If you are looking for a timely, knowledgeable and resourceful team to work with this is not the company. They are the used car salesmen of mortgage lenders. At first they honestly seem nice and pleasant to work with but they proved to be quite incompetent and will say anything to keep you on the hook. They have little understanding of basic underwriting guidelines and instead of instructing you on what documents are required they just wait for the underwriter to kick it back and then have you change everything so they can try again. I’ve been working on a refinance with Matt and Beth for about five months now. Due to a lack of foresight on their part, I have been thrown numerous hurdles, I’ve adapted and gotten the documentation to them in a timely manner, but then they always come back needing more documentation due to their constantly moving goal posts. I finally realized it would be a constant circle of “just one more thing.” Despite offering little guidance throughout the process, Beth Watson couldn’t instruct me over the phone of what document she needed from my bank. In this instance she proceeded to ask for my personal online banking username and password only if I “Trusted her enough.”I did not give her that information. In the end it was not a big deal for this company to toss my file to the side when I had invested so much time, money and resources. Cons- Their inability to communicate and lack of process knowledge. If you are also not a mortgage expert you will have a horrible experience. Pros- They inspired me to return a call to my dentist because getting a root canal during a pandemic sounds more enticing than working with this team.

Due to a friend's recommendation, I contacted Accurate Mortgage. Didn't know it at the time, but, luckily, Donnie Smith responded to my original email. He is extremely knowledgeable, efficient, professional and on top of that very easy going and personable. After contacting him we met within a week at his office, which was around the end of June. By the middle of July it was ALL done. "It" meaning combining my mortgage and credit card debt, refinancing all of it at a MUCH lower rate and having some cash left over for home repairs, etc. One big reason I am writing this review, is when I wanted to refinance, I had no idea who to go to and who to trust. There are SO many mortgage companies that want your business, it's just overwhelming. So, I'm here to tell you that you can trust this company and specifically Donnie Smith. If you are considering purchasing a home or refinancing, I recommend you do it right away before the rates go up and with Donnie Smith at Accurate Mortgage. dsmith@accuratemtg.com or phone 615-833-0456 Ext. 250