Reliance First Capital, LLC Ratings & Reviews

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NMLS ID: 58775

Reliance First Capital, LLC

(4.7 of 5) 805 Reviews

95% of our customers would recommend this lender.

About Reliance First Capital, LLC

Reliance First Capital was founded with the purpose of helping both existing and prospective homeowners receive the right mortgage. We achieve our goal by developing customized mortgage programs that match each client's specific needs and situation. ...

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Loan Officers

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Donna Titone Melville, NY
Tracy Sonney Charlotte, NC
Ryan Kearney Pittsburgh, PA
Leslie Nicolas Charlotte, NC
Daniel Montgomery Melville, NY
James Heisser Melville, NY
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Customer Reviews

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805 Reviews

(4.7 of 5)
  • Lender Review
    from Westlake, OH Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    December 28, 2016

    Not satisfied at all, promises not kept...

    (0) (0)
    I feel they made promises that they could not keep and made some mistakes that personally cost me around $2,000; I would have canceled the loan a few different times if my finances would have allowed it. I would not recommend this company to any of my friends...

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  • Lender Review
    from Newport News, VA
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this lender

    DO NOT USE THIS COMPANY

    (0) (1)
    I had an awful experience with Reliance when refinancing my home. I would not recommend them to anyone. Among other issues, it is now 3 weeks after we closed and i am still waiting for the check that i was told that i would receive at closing! Not weeks after closing, DO NOT USE THIS COMPANY!!!!!

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  • Lender Review
    from Clayton, NC Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    November 23, 2016

    Glad it's over. Hope they sell my loan.

    (0) (0)
    Slow. It took over 2 months to close. 2nd financial disclosure had an increase in borrowing amount. Servicer said the increase was due to taxes being under estimated when, in fact, it was an increase in points. I thought my rate had been locked. They did not want to use my attorney so I went with theirs. Without notifying me, their attorney did not do the closing. A notary came to the house in a t-shirt. The notary said he could not give legal advice so if we had any legal questions about the documents, we were out of luck, despite paying $625 for an attorney. Later, I learned their attorney was sanctioned by the NC State Bar in 2005 for conduct related to real estate closings... Read More

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  • Lender Review
    from Graham, NC
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    None - we connected, but I didn't move forward

    Skip this lender

    (0) (0)
    My experience with Reliance wasn't good at all. 1st off they ran 4 hard inquires on my credit that i did not authorize and i am in the process of pursuing potential legal action . 2nd my rep corey scheduled an appraisal that took 6 weeks to get back and he nothing was done to speed that process up. 2nd we started this processs in sept and its jan of the next year almost and still not closed and i am still getting request from the loan processor. Its absolutely ridiculous! 3rd it took so long for them to close that the rate they offered me 3.75 went up to 4.6 and i wasn't even notified until i got documentation from Reliance. They did not lock me in to the initial rate like they should have. 3rd i decided not to use them for the refi because of all the errors and mistakes that were made by them. I'm going to file a Better Business Bureau complaint as well as other complaints about my experience, do not use them... Read More

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  • Lender Review
    from Rochester, NY Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    September 7, 2016
    Loan Closed On:
    October 27, 2016

    RUN!!!

    (0) (1)
    Nothing was as originally stated. My closing costs were much higher than I was told in the beginning and I didn't get the money back that I was told I would. When I complained I was told they were only estimates. Even my appraisal ended up being $200 more. I was given a long list of painting & work that had to be done before I could get FHA approval. 3 days after I paid to have it all done they switched me over to conventional. I would not recommend them to a friend. When all the red flags went up throughout the process I kept going because I was so far in and didn't want to start over with someone else. Big mistake... Read More

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  • Loan Officer Review
    from Albuquerque, NM
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    None - we connected, but I didn't move forward

    Poor Customer Service

    (0) (0)
    First off, I do not enjoy writing a poor review but this experience with Amy cost me a comparison of rates. I returned a call from Amy in the morning and finally got a call back as she was leaving for the day. There was a lot of background noise, laughing and joking and Amy even acknowledged the noise advising me that I could hear everyone was leaving for the day. We set an appointment for 8am the next morning. I did not get a call at 8, I sent an email to her at 8:15 saying I was waiting. At 8:28 I finally got a call back. I set my morning up around this appointment and was very disappointed at the late callback.... Read More

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  • Lender Review
    from Charlotte, NC
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    None - we connected, but I didn't move forward

    Hard sales pitch

    (0) (0)
    We requested offers from three lenders. This bank was the only one that wouldn't send us a tentative offer to review prior to their sales pitch. It showed us that they really wanted to get us on the phone and give the hard sale. For this reason I would not recommend them. If their proposal didn't speak for its self without the sales pitch then I doubt it would have been a mutually beneficial deal. ... Read More

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  • Lender Review
    from Easton, PA
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    None - we connected, but I didn't move forward

    Refinance

    (0) (0)
    I Applied with them to refinance my mortgage, told the loan officer what i make every year and respond with its so easy to get you a loan, after i submit my application he responded with lot of paper work to sign and return it, 2 weeks after nothing happened no phone calls like every day before the application , my credit score was good and approved, then i had to call them to see whats new its been 3 weeks and no respond. The same person I was dealing with didn't respond at all another person responded to my email and star with apology and wondering why no one respond to me then asked me to fax my income tax return for the second time, then called me telling me they not will proceed because the income not enough , while I was talking with him on the phone and discussing a big car payment on my report he said oh I am sorry for interrupting you but I have to run to a meeting and will call you back right away after meeting and never did. this is not a good or honest people you can deal with, they care about numbers with no respect to their customers, they ignoring what you need as a customer. And I don't recommend any one to use them , There is a lot of refinance company's that they respect and treat there customers with dignity and professionally , This company none of the above.I don't care if I qualify for the refinance or no I care about how this people treating customers with no respect laying and ignoring.... Read More

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  • Lender Review
    from Roanoke, VA
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    None - we connected, but I didn't move forward

    Stay away

    (0) (0)
    I have been working on this refinance for almost a month. I have $750 tied up in it and after telling me everything was approved and good to go they started emailing and calling me every day wanting more information. I finally got frustrated and told them to close my account. I cut my losses and decided to just keep what I have. I would not recommend this company to anyone. Good luck... Read More

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  • Lender Review
    from Clarksville, TN
    (1 of 5)
    Reviewed:

    We will never know

    (2) (2)
    Based on my experience, very persistent and pushy not that it is always a bad thing. Apparently they don't know what products and services their company offers or current interest rates without running your credit. Fortunately I have others I have dealt with that do know all this information and will spend the time with me.

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Reliance First Capital was founded with the purpose of helping both existing and prospective homeowners receive the right mortgage. We achieve our goal by developing customized mortgage programs that match each client's specific needs and situation. So whether you’re looking to buy a home or looking to refinance your current mortgage, whether you have perfect credit or are struggling with payments, our dedicated and knowledgeable staff will design a custom-tailored mortgage that helps you achieve your financial goals. At Reliance First Capital, we welcome the opportunity to put our years of industry experience to work for you. As a direct lender, we have the resources to deliver the right programs, fast approvals, speedy closings and, most importantly, deliver your money. You can RELY on Reliance First Capital.