NMLS# 4181

Top Flite Financial, Inc

Lender Summary

Top Flite Financial, Inc. is a premier FannieMae Direct mortgage lender founded by Timothy and Tracie Baise in December of 2002. What began in an 80 Square foot home office in a small rural town in Michigan has turned into a Nationwide Multi-Million Dollar Corporation. Top Flite Financial was built on Integrity, Ethics, Excellence and Dedication; we are committed to caring for our clients and building lifetime relations as a trusted financial advisor. We have an experienced staff offering expertise in every area of mortgage lending. **********Our lending specialists are dedicated to finding the right loan to meet our clients’ needs. We believe that our low-interest rates, experienced processing, 24 hour turn times and aggressive product line set us apart from the competition.**********We may not always have the lowest “advertised” rate but we are a lender that prides itself on delivering the terms we advertise to our clients and being transparent about the real numbers each customer qualifies for upfront is what has allowed us to build such a solid reputation in a tough industry.********** Being a smaller nationwide lender we feel that the Top Flite Difference will show in our attention to detail, integrity, experienced staff, and the speed in which we can get your loan to the closing table. We appreciate the opportunity to Earn your business!

What they're saying

Ratings & Reviews
1617 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 2 star reviews | Show all reviews

I’ll call you don’t call me.

Things seemed to be going well. Enough equity, never late on my first. Lates due to COVID but not late at all ever on my first and not late within the last six months. Did appraisal. All of that for her not to try to get another lender or call me back. I’m just waiting by the phone lilies a jilted lover. Shane on you. Plus I have a high score of 794.

This review is flagged
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

This review is flagged
Do you want to flag this review?

Promises not delivered

In November 2018 inquired about refinancing my primary home loan. My primary mortgage company was eager to help with the refi and promised a quick/easy process (close by the end of the year - no origination fee - no appraisal fee .. but FHA financing which included MPI fee). Wanting to see what other options were available I checked with Lending Tree and was contacted by Top Flite Financial. They assured a 30-day close - quoted me 5.125% with 1% origination fee and 1% discount point. They told me the 1st payment wouldn't be due for 60 days. WHAT ACTUALLY happened: It took 60 days to close the loan, at the last minute they required 2 discount points to keep the rate, informed me the 1st installment would be less than 30 days away - and must be on automatic EFT bi-monthly. I took the loan (versus starting all over with another lender - time was an issue) but this left a bad taste. Top Flite made assurances but did not deliver. I would not recommend Top Flite to my friends or family.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Beware

Dealing with top flite overall was ok, they ordered the appraisal and the guy was a jerk. He listed the wrong home on my property as the main home, Long story short that ended up lowering my property value significantly.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Loan officer directory

×

Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a company in our marketplace:

Do
Don't

Top Flite Financial, Inc

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Top Flite Financial, Inc

Let's answer a few short questions and see what offers Top Flite Financial, Inc and other lenders may have for you.