Top Flite Financial, Inc

Horrible Experience

Was going to refinance with this company. Between the appraisal company and their rep, I kept receiving conflicting information. They told me one thing and kept changing it. I would not recommend anyone use this company.

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Unresponsive

After I completed the application and submitted my documents, I received one response from Chris, the loan officer assigned to me, asking when we could go over numbers. I replied and have never heard back from him. If they can’t do the loan for some reason, I would expect that a professional would at least say that.

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Terrible experience

Devon Feager sent out an appraiser not from the area. The appraiser pulled 3 comps, but wasn't even in same zip code or school district which makes a big difference in our area. appraisal came back really low due to her not knowing the area. we got with a realtor and she pulled comps in our zip code and school district and those comps were much much higher. we sent these to Devon to be reviewed, but we got no responses from Top flite or the appraiser. I feel they took our money for the appraisal and wasted out time due to appraiser not knowing the area and using right comps. overall a terrible experience.

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Refinancing mess

4 months trying to refinance a VA home loan and still being asked for more information and to pay for things needed. This has been a horrible experience and a shame veterans have to go through such a messy process.

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First exception then horrible refinance experience.

John Tobias was exceptional to work with at first. He quickly responded to any questions or issues I had via any and all email I sent him. Once we were declined for a refinance with the help of Top Flight, he became non communicative. He consistently ignored my emails especially the one asking if we could get refunded for the appraisal payment . The issue that I have with Mr. Tobias is that he knew the items/issues (since he is supposed to be experienced in refinance) that would disqualify us from getting refinanced but he did not even have the decency, respect, professionalism or even the humanity to tell us at the very beginning of the whole, long drawn out process. Unfair. Unprofessional. Unkind. Very deceptive. So, the bottom line is that we paid over $500 (for the appraisal) just to be declined. We gave you $500, your company gave us absolutely nothing. May I ask, why didn't Mr. Tobias let us know in the VERY beginning what would disqualify us from getting refinanced via Top Flight in the very beginning? I would not recommend Mr. Tobias to my worse enemy. And I mean that. Thank you for absolutely nothing.

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At first, exception service. As the process ended, horrendous, neglectful, no communication.

With John Tobias, the beginning experience with his company was exceptional. Quick responses via email when I had a question or concern. Clarification of any issues I did not understand, etc. When our application for a refinance was not approved, it took two emails to find out this information which I believe he already knew. So now that his company would not financially benefit from our refinance, my husband and I became unimportant to Mr. Tobias and Top Flite Financial, Incorporated. Still, to this day, have not received a response from Mr. Tobias regarding a question I have about getting our appraisal fee refunded. So our bottom line, thank you for the experience that cost my family over $500 and we received absolutely nothing in return. You received money from us, and we received nothing from you. Amazing. Suggestion: please tell your applicants the "fine print" meaning any information that you know of that would disqualify them from getting refinanced with the assistance of Top Flight Financial, Incorporated. If we would have received this information ahead of time, if your company would have taken the time to let us know the issues that would disqualify us from getting a refinance, I would have felt more respected. And yes, I am going to pass on this information to the Better Business Bureau.

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Poor Communication

Poor communication, poor customer service and charging 18k in closing costs for refinace. Taking advantage of people with lower credit scores.

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