NMLS# 4181
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!
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.
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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.
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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.
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