First Home Mortgage
Reviews and Complaints

This company by far the worst. They are clueless and do not send out disclosures then try to lie and attach your signature to the paperwork you never got. They approved a loan in March and I decided to purchase a cheaper property but the approval was already done. It was an FHA loan. In May we were supposed to close on the home. They ordered the appraisal, this is the second appraisal I paid for because I paid for one on the other house because we had the approval. So I paid for the other appraisal. Any idiot knows you do not order appraisals and home inspections before you get an approval. The day before the closing they told me and the realtor we were set to close the next day. I had already made plans to move my family. The next morning I got a call and that jerk branch manager David Licciardi said the underwriter doesn't like the loan you can't close and we are not giving you back your appraisal fee. I explained that this puts me in an unbelievable situation being a disabled single mother of 5 children. The jerk literally laughed and said what do you want me to do about it? Now he is lying saying he mailed compliance documents and a denial letter. NEVER happened. I told him to fax me a denial letter so I could get my deposit back. He faxed me some paper without a reason for denial. I never got anything in the mail. He was rude, cocky, arrogant and stupid because that was a good FHA loan and an easy one being I am disabled. Do not by any means go to this company they have no clue what they are doing. A single mother who you screwed, got paid on 2 appraisals. I paid for 2 home inspections. The loan was in process for 2 months and then they come and tell me it's denied hours before the closing. Str8 idiots! The ### couldn't even give me back at least the appraisal fee? Loser!

These people are the worst! I am currently going through the process leading up to settlement on my first home, and I couldn't have been persuaded to go with a more disorganized clueless company. From the start they have been misinformed or not informed at all it seems! They misquoted our closing costs under by $5000! This caused us the headache of hoping the seller would accept a new contract in lieu of the much more expensive closing costs than anticipated. Our broker's response was "I was surprised to, it's been a while since I've done an FHA mortgage." Maybe, just maybe you should have told us that before! On the day we signed the papers for the loan application our broker obviously didn't know what was in the packages because we got a call from someone else in the office informing us that more than half of the paperwork was not signed and completed! We've been waiting 2 weeks not for a final commitment letter so we can turn it in with the rest of a package for a small closing cost grant from my work and the city, and just today a woman we've been working with who works for FHM asks us for the application checklist for the grant, which mind you we e-mailed her last week. The broker also asked us about the housing tax credit...as a professional in the industry shouldn't you be on top of information like that?! Especially since it can be used as a selling point?

My advice is to stay far from these idiots as possible!