Finance of America Mortgage LLC in Charlotte, NC

After researching online options for refinancing my mortgage, I selected eRates and am very pleased that I did. All of the people with whom I worked at eRates were not only professional and responsive, they also went above and beyond to assist me in the loan application process. They made sure that I was informed at every step, and even helped me find some public record documents related to a house that I had sold 10 years ago. I highly recommend Kevin, Renee and the entire eRates team!

I had an awesome experience with erates and what seems to be their parent company Finance of America. I had another online lender and a local place tell me that what erates is offering is impossible. I am an 'analysis paralysis' kind of shopper. I examined what they said and did with a microscope looking for the catch - long story short I got EXACTLY what was advertised! All documents were uploaded to their secure server. This is not my first rodeo, and I must say this is by far the easiest and most pleasant experience. All agents I dealt with were timely and professional. They explained all my options and kept me updated with how things were going every step of the way. They will likely sell your mortgage as they did mine a day or two after closing so dont get attached :) Their lawyer came to my house to close. It was great.

Initially had good rates and low closing costs. Prompt response once I submitted an application. After erates (aka finance of America) ordered an appraisal from a really bad company called streetlinks, everything went south. The appraisal was done incorrectly and came in really low. After trying to get the rebuttal of the appraisal done no one wanted to help. Erates and my loan officer Patrick instead at this point chose to ignore me. They won't return emails or phone calls. What a waste of $455 dollars. Sticking to my local credit union from here on out.

Brent did a good job with my loan. The rates were some of the lowest i found. The lender fees were not expensive as well. My home closed on time and I am happy with the service provided.

The loan sales person was great, but once the application left his hands.... nothing but trouble. My client was sent the wrong loan docs, twice, then was told he had to sign the wrong ones with the promise that the right ones would be used. THEN, they delayed closing escrow because they would not accept digital signatures on an affidavit talking about flooding in the mid-west. My client is in drought ridden California. Yikes!!! Have a clue! Use a local lender who knows the area and the local escrow customs.