Mortgage

Jack is courteous, knowledgable and works hard to find the type of properties interested in. A great guy to work with.

Beware of using Atlantic Coast as your lender. Our mortgage agent, Paul James, did everything he could to sabotage the lending process. He promised from day one that he could meet a specific deadline however then later stated that he never made that promise however my wife, the realtor, and the builder were all there during that meeting and he had to be reminded that there were witnesses to what he had promised. Paul James and Atlantic Coast then tried everything they could to again postpone the date of our closing. They told us that I needed a paystub from my new job in order to close and that it would postpone our closing date. When I told them that I could get them a paystub in time for our original closing date they had no excuse to continue to postpone the closing however still stated sorry that they were still not going to meet the date that they had promised. I then had to get the realtor and builder involved to make them accountable and they then they decided that they could close by the date they promised. I would call Paul James and he would not call me back for several days. Several times he would text either my wife or myself after 930 pm or even 10 pm stating "I am ok to talk now." That was his way of "returning our calls." I had to contact the administrators and the underwriters at Atlantic Coast directly to get anything done. I had to make sure Paul James was accountable for all his actions. I basically had to babysit him at all times. The week before closing and getting the closing documents from this company was next to impossible. We told them a week in advance that the closing costs they gave us were incorrect however they did not resolve the issue and when we went to closing the closing costs were not correct. I ended up at that point dealing with Jim Rogers who was above Paul James as Paul James was not permitted to take part in the day of closing and Jim was the person that would be contacted for anything we needed on the day of closing. Jim was less than helpful. Jim basically told me on the day of closing that there was nothing he could do about the closing cost numbers and I told him that we had been trying to get the numbers corrected for a whole week but we did not get any response from Atlantic Coast. I basically told Jim that I would be writing this review and Jim laughed that off. Luckily the builder decided to make things right and make some adjustments so that the closing costs were what was originally promised to us from Atantic Coast. Needless to say the builder will not be using Atlantic Coast again as a preferred lender and Atlanic Coast has definitely lost a lot of future business. Please beware of doing business with Atlantic Coast.

L.O.V.E. American First Mortgage! Getting a home loan is incredibly stressful. There's about 9 zillion documents to gather, print, sign, send, etc. Then the waiting game begins while some mysterious underwriter gives the Caesar's thumbs up or thumbs down to your mortgage approval. My husband and I went through this crazy process twice in one year! We bought a home, sold it a year later and, then, bought a different home. American First Mortgage went so far over and above the regular call of duty on both sales that you would've thought THEY were buying the houses! First, Jim LaPointe and his staff handhold every step of the way. They take the time to explain everything and really get to know your particular wants and needs so they can best guide you though the process. American First Mortgage ALWAYS kept us in the loop. We were never left to wonder where we were in the loan process. Not only did they get both our loans approved but they did so in a very short amount of time - PLUS we got the lowest interest rate on the market at the time AND Jim LaPointe was able to get us cash for closing based on buying credits. Cash to closing. It was like winning a small lotto! Before you go to a big bank (because we did and it was a nightmare - they botched everything from the jump) call American First Mortgage. They've been in Gainesville forever and they do business the "old fashioned" way. Meaning, they treat you like a person - not a sale. Many thanks to American First Mortgage. Thanks to their help, we live in our own little slice of paradise!

I am not quick to give poor reviews, but I have been very disappointed with this bank. Poor customer service. They don’t return phone calls or address concerns, they make it very difficult to do normal every-day banking activities, and they are very disorganized. As a business, you should go the extra mile to help a customer in need. The employees are unengaged and it’s obvious that is due to a lack of good leadership in upper-management.

Joe Hancock is extremely knowledgeable in the lending area. His expertise made it so easy for me to buy my home. Easy to work with, always willing to answer all your questions, you can reach Joe day or night. I highly recommend Joe Hancock for your mortgage needs.

These people go above and beyond. Even even obstacles occur , they keep on moving until the job is done. I would highly recommend this business to complete your house purchase with. Top notch !

OK; all went very rough, because of Obama's Vast Regulations. Alligator Mortgage did a great job. They tolerated my aggravations because of all the information and Redundancies. I would answer one question, and then they would want more information. It took me over one year. Either the property had to much land or it would not Comp out. Finally we found one that did Comp out. Again, I am not happy about Obama's outlandish Regulations. I hope the current Commander In Chief will reduce that Burden by 69%.