Marcus P. Eligan - Mortgage Experts Medical Center Dr, Largo

Marcus P. Eligan - Mortgage Experts Reviews

• C

  Cierra Leigh
  1

  Mortgage Experts??? Now that it’s officially been a month since I’ve closed on my home I have a moment to breath and can finally share my experience with this company. Where do I begin, started as a referral and I had the highest hopes but not only did Marcus Eligan fall short of my expectations I can tell you for sure I will probably never buy a house again thanks to his company. As a first time homebuyer I was new to the process and looked forward to all that came along with it. I heard many a times that it can be a stressful process but I was not prepared for this at all. I was given an approval letter that contained a rate. Moved forward with my home buying process. I was told that if I needed anything I should contact him but when it came time to contact Marcus he was unavailable and constantly reminded me that his mortgage calculator is available on his website. That’s one way to make someone feel like a number. Then my rate changed again and my realtor and I celebrated my new low rate. I continued my home search hoping things would get better but nope. Marcus informed me that on weekends when most people are out shopping for homes that he will not be available to price quotes or anything of the such. My calls and emails went unanswered, but thank goodness for my realtor who was able to help me along the way. Then my rate and downpayment changed yet again because Marcus and I quote “was unable to get me into a program”. Now having worked in customer service for a very long time I have learned to never provide information unless you can guarantee it. So now my rate has gone up and so has my down payment, Do you think Marcus called me to tell me this information, NOPE! On one of my many calls to him he just threw it out there as if it was some small thing. Do you think I was given an apology? NOPE! A higher rate means higher monthly payment, higher downpayment means more money from my pocket. But hey no sweat on his back because he will still be paid at the end of the day. I was even told to “find a new lender if I was not happy” instead of apologizing. Now three days before my closing I was told I’d have a certain downpayment, two days before closing I was given the same number. The day before the wire is sent I receive an email with a number that’s $5,000 more than what’s discussed. I’m upset so my realtor being the Godsend she is contacted Marcus and he told her the number was wrong and it would be no more than a certain number again. YET ANOTHER LIE! I should have went with another lender but I didn’t feel like starting again and possibly loosing the house I loved so much or getting the same results with anyone else. I don’t think I’ve ever cried so much in my life. During a time when I should have been celebrating this is what I dealt with. If you want to feel like a number then this is the company for you! If you want to be given the run around and lied to pls by all means give it a go! But if you prefer to be spoken to and treated like a human being then this is not the company for you. Also, I don’t want to seem like it’s all bad, after all the hell I was put through Marcus managed to get me a $1000 credit which only made me have to bring $4000 more to the table then expected and a higher rate that came along with it! This caused me to have to move in later then expected because those funds were allocated to my moving fund. As a single mother I do this on my own, so unexpected funds don’t come easy. But hey, so sweat off your back right. Do your research because everyone is not treated equally with this company. Unfortunately as a single black woman my experience with terrible. I was spoken to as if I was less than by two people at this company and I hope nobody else has to go through this.

  Response from the owner

  Hello Cierra, I am saddened to hear that you were not satisfied with the service that we provided to you. I believe that your opinions are your right however, I do not agree with them. I have been helping clients to purchase homes going on 20 years now and my team and I make it a point to provide answers to our clients in a timely manner. The only times that I or my team was unavailable is when you called and/ or emailed during non-business hours. Unfortunately, it is impossible for my team and I to be available to you 24 hours 7 days a week. Once we were back in the office we responded to you and answered all of your questions. We also provide a free Mortgage App to our clients for your smart phone to be able to calculate your monthly payments while we are out of the office to assure that you can make an educated offer when purchasing a home. You used a down payment assistance program when purchasing your home and we do not control the rates of the programs. We explained this to you several times throughout your home buying process. There were several occasions that you expressed your unhappiness with the process and me as your lender and that is when I recommended that you find another lender. We try to help everyone to be able to purchase a home however, if a client seems difficult to work with or unhappy, we will recommend for them to take their business elsewhere. My team and I never lied to you and it is not a lie because you do not like what you hear. We understand that you are a single mother and a first time homebuyer and that is why we pulled tooth and nail to get you the additional $1,000 credit that we were able to get approved for you. We are very saddened to hear that you are unsatisfied with your home buying process and we appreciate your feedback even though we have different views of how your loan was processed and closed. We wish you the best in the future and we hope that you do purchase a home again to build wealth for your family.

• K

  Keshia Smith
  5

  I was referred to Marcus by my former supervisor, he was her financial adviser. He is legit amazing. It started with a simple email of me letting him know I was interested in buying a home and he guided me from there. My credit was not where it needed to be so he assisted me on how to get it better. It was not using "credit repair" antics, simply pay your bills and pay them on time. He showed me which ones to focus on until I got my utilization at the optimal point. It took me almost a year to get there because my credit was not the best, but we finally got it there. Marcus communicated w me every single month letting me know where my credit score was and what I needed to do next to improve it. Once I got my score to where we needed it, he immediately placed me in a First Time Home Buyers Program and I started looking for homes. Found one and had to bring only a little over 1K to the closing table. THAT IS IT. I actually have a friend working w Marcus now. Her credit was amazing so she didnt need help there, Marcus got her pre-approved in less than 2 weeks so she is ready to start searching now. Marcus is amazing and I would refer anyone to him.

  Response from the owner

  Thank you so much for your awesome review!!!

• S

  S. Miles
  5

  This process was stressful but not due to Marcus and his team. Mortgage Experts kept me informed and were always ready and willing to answer any questions I had, and believe me I asked plenty of questions. I look forward to using them in the future and referring my friends and family to them!!

  Response from the owner

  Thank you so much for your awesome review!!!

• J

  Jam Eligan
  5

  Thank you Marcus!! Very easy to work with.

  Response from the owner

  Thank you so much for your awesome review!!! You were great to work with as well.