Mortgage

Where to start? We had a bit of a difficult case when we were shopping for a mortgage. We initially began working with another company who pre-approved us in writing several times, but when it came to final underwriting, we were told that our case was impossible and they wouldn’t be able to get us past final underwriting due to several issues. We called our agent to ask her to cancel our pending contract, but thankfully she instead referred us to Cory at Legend Home Lending. We were not very hopeful, but were willing to try. We spoke with Cory and gave him all the gory details of why the other company killed our loan, after listening he said he couldn’t guarantee anything, but if we were willing to put in the effort than he would try everything. Long story short, Cory asked us for all of our documentation and several other items. As soon as Cory asked, we delivered as soon as we could. The good thing about Cory is he will fight for you as much as you are willing to fight for yourself. He knows exactly what the underwriter is going to ask for and was sure to ask us for those documents before he was asked so he could be prepared to produce them on demand. He saved our contract and got us the approval on our beautiful home. It turns out the other company could’ve gotten us approved, but they weren’t willing to take the necessary steps and simply wanted to work with the “easy” loans. Cory rolled up his sleeves and did the work, he’s a miracle worker. We are very satisfied and grateful we were given his information and highly recommend him and Legend Home Lending.

The small location we have is a tiny 700sq ft office space with 2 desks and 6 ft between them. Every time I go in, all people in line behind me can hear every bit of my personal information as I am talking to the agent including social security number, amount owed, etc. They do no accept any modern form of currency transactions like debit/credit. On April 3rd, I proceed to pay the amount communicated to me that would bring my account to a current status. However they failed to inform me of the payment that came due this same day with the total and repossessed my truck the following day (April 4th) with no phone call or notification. Highly unprofessional, violated several privacy regulations. I am surprised the CFPB or OCCC has not had a complaint earlier. I will definitely be contacting both institutions.

We used First Choice Loan Services as our mortgage lender in 2018. Nikkie Bickham from First Choice Load Services rescued us from a bad experience with a different lender we found online. Nikkie was super easy to work with, experienced and very knowledgeable, kept us informed through the entire process, and helped us understand the mortgage process and what to expect. Nikkie not only helped us with our mortgage but also helped us find mortgage insurance at a very competitive price. I would recommend First Choice Loan Services to anyone looking for a mortgage. If I ever need another lender, I will use no one besides Nikkie Bickham and First Choice Loan Services. We had an excellent experience and worked with some great people.