Associates Home Loan of Florida, Inc. N Dale Mabry Hwy, Tampa

Associates Home Loan of Florida, Inc. Reviews

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  shawn kelder
  1

  OK i looked at reviews and couldn't find a bad one on this company, well let me tell you a story. My credit not great due to a ch13 filled but then i dismissed it. So i knew going in subprime will be higher rates and such. Well you want to know how much higher, i will save you the wasted time. i was asking to borrow $30k so my offer was $100K, $53k to pay off house $30k to me and $17K to the investor. My house is worth $260k. Yes you read that correct, for loaning me $30K he wanted $17K plus interest. And interest rates you might wonder what they would be well normal rates are near 5% so would assume 6-8 maybe even 10% right, well try 12.625%. So my $530 for 19 more years mortgage would turn into $1287 month for 30 years. There was no Bank involved i was to transfer my insurance (equity included) to an Attorney in Tampa not a Banking institution or mortgage company. Also never asked me about monthly debt or DTI ratio as the goal here is taking equity from desperate people. The worst of the worst here. This was no cash out refinance. Just another greedy American offering to take more. If anyone out there is stupid enough i will loan you $30K if you give me $200K as collateral plus $17k on top of that plus 12.625%. Sound good, call me. I also have buried treasure but i need $5K to buy a shovel then i will share my treasure with you. I felt people should be warned and these people insulted my intelligence and that doesn't sit well with me. They took me for a fool and a half.

  Response from the owner

  Mr. Kelder, We are sorry you were unhappy with our loan offer, but most of your post is not at all correct. When you applied for the loan, your Loan Officer explained that we make loans through Private investors who, like every other Lender, have to be in 1st lien position, which required us to pay off your existing mortgage of 53k. Then, there are closing costs, so we adjusted the loan amount up until we get the loan dollars to whatever loan amount gets you the cash out you are seeing. In this case, 100k gross loan. We sent you a detailed explanation of the fees, costs, payments, etc. You simply didn’t like the offer. The Investor was not making 17k. The TOTAL closing costs were 17k, which was all origination, fees, title fees, recording fees, escrow account, etc. You weren’t signing over your insurance and all your equity to an Attorney in Tampa. Again, not correct. The Attorney would have been the Investor & again, like every other mortgage in the Lender, adds their Mortgagee clause so their interest is protected in the event of a claim. While again, we are sorry you were not happy with our offer, we were able to actually make you a loan that suited your needs and loan request. If you wish to discuss this matter further, you can contact Ian Loring at [email protected]

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  Neil Paulson
  5

  I have worked with Pat Williams of this company for several years. He is experienced, easy to work with, pleasant and honest. I enjoy working with him. He is the best in the business, in my 20 years of working in mortgages. No exaggeration. No one asked me to post this.

  Response from the owner

  Thank you, Neil, for taking the time to write this kind review. We're thrilled to hear you've enjoyed working with Pat over the years. Thank you for choosing Associates Home Loan!

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  Brenda Mortimer
  5

  This is the best company for mortgage loans. My broker Jimmy Golden was amazing. He has a lot of knowledge. The loan closed so quick. Communication was great, we talked almost everyday. The underwriting process was easy because the broker prepared everything so well. I cannot thank this company enough. They made my dream come true. Thank you so much Associates Homeloan

  Response from the owner

  Thank you, Brenda, for taking the time to write this review. We're happy to hear we could make this process easy for you and that we made your dream come true. Thank you for choosing Associates Home Loan.

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  Wilma Williams
  5

  I was amazed called on a Saturday and got Dan on phone. He answered all my questions plus gave me golden nuggets to help me reach my goals. We are working toward getting a home and I was fully informed!!! We need more people out here that are genuine about helping others. My husband and I were both very satisfied with the knowledge of home buying and financing that was shared. Our prayers are u hat he continues to be a blessing to many families. Thank you Dan!!

  Response from the owner

  Thank you, Wilma, for taking the time to write this kind review. We're glad to hear that Dan was able to answer all your questions about home buying and financing. Thank you for choosing Associates Home Loan.

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  sammy el-alami
  5

  I had an excellent experience with associates home loans , Ian , and frank and Greg , Make every transaction very smooth . I am a real Estate developer and builder , I had over 18 loans With Ian and had all my loans closed with Greg at Acura title. I can’t begin to tell you How the service was so outstanding. Ian and Greg are so very experienced, both make my deals go so smoothly from property acquisition to funding in record time. I couldn’t ask for more reputable people to work with . I would strongly recommend you to use this company . They are very well experienced, very punctual and very ethical . One of the best hard money lenders in Florida .

  Response from the owner

  Thank you for the kind words Sammy! We're happy to help and we're glad to hear Ian and Greg are taking such good care of you!

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  Mistee Bramlett
  5

  I found Associates on the internet and the whole process was a breeze they got me the money I needed. But the thing about them that makes them stand out is the genuine care that I've gotten from Jen Lance and Pat Williams. They both gone over and above in assisting me with questions after the closing even years later I've called them with questions and they've been extremely helpful. I would recommend anyone needing a home loan give them a call

  Response from the owner

  Thank you so much for the kind recommendation Mistee! We're so glad to hear Jen and Pat went above and beyond to help you get the money you needed!

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  john
  5

  Outstanding professionalism, excellent customer service and trustworthy. Ian Loring and his team closed my loan on an investment property faster than I thought possible. Ian educated me throughout the process and found the best deal for my situation. I wouldn’t do business with anyone else and I plan on doing business with him again very soon! This is a real review from a real customer. I don’t write reviews often but I had to take the time to say thank you to Ian and his team in any way that I can.

  Response from the owner

  Thank you so much for the review John! We're glad to have helped and we look forward to doing business again soon!

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  Dawn Malloy
  5

  "Jimmy Golden was a pleasure to work with. He kept me up to date every step of the way on my mortgage process. Jimmy answered any questions or concerns I had immediately. Given a chance in the future he would be my first choice to work with.” Everyone was great Associates Home Loan

  Response from the owner

  Thank you so much for the review, Dawn! We're so happy to hear Jimmy was so helpful throughout your loan process!

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  Susan Paige
  5

  Ian Loring was there for all questions. I could call him in the evenings and on weekends. Because of his diligence and being on top of the process my customer was able to close before the stated closing. He was always professional and courteous. I especially was pleased with keeping me in the loop with emails.

  Response from the owner

  Thank you for the review, Susan! We're happy to hear Ian was there to answer all your questions and keep you in the loop throughout the process. We look forward to working with you in the future!

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  Audra Caffrey
  5

  Pat Williams Associated home loans was absolutely amazing. He was extremely helpful and return all my phone calls and answered all my questions. He is very professional and I would do business with him again anytime for my loan services. Along with Talon title, everyone made a rough decision to take out a first mortgage on our home that was completely paid for, a lot easier to bear. Thank you Pat and the crew at Talon title for making this a very smooth and pleasurable and stress-free experience for my husband and I. Keep up the great work!