Jade Sellers

Review of American Financial Resources

I'm a Realtor, so I have plenty of horror stories ...

I'm a Realtor, so I have plenty of horror stories regarding difficult banks and stressful closings. When me and my husband finally purchased our own home, it was financed through this company (whom I had never heard of before). We got a notoriously difficult loan to suit our needs (Fha 203K), and it took exactly 3 months to close. It was the most complicated deal I have ever done, but it wasn't because of this bank, it was just the type of loan. The loan allowed for a certain amount of money to be paid to a contractor at close for repairs on the home, who had 3 months to complete the work, and then would be compensated the rest after an appraiser signed off on it. Bad weather held work up a little longer than anticipated (but not for too long), and we were diligent to stay in communication with this bank over every hiccup. Every time I called, I spoke to a real person, who didn't make me go through minutes of account verification. Surprisingly, they seemed to always know who I was just with my first name.
The loan itself is not too great (not this banks fault), so we're refinancing now that the home qualifies for VA financing condition-wise. I couldn't locate a mortgage statement quickly enough to send to the lender who is helping me refi, so I called this bank to see if I could get a digital copy. The number I called to do this did require some account verification, but within minutes of talking to customer service, I had a digital copy in my email, which I responded with a "got it, thanks!" and he responded with a meme of the guy who plays God on Bruce Almighty with his hands outreached and the caption "you're welcome."
I don't know, it's just little touches like that which compel me to throw my review in the mix to counter all the bad reviews this bank seems to have on google. They deserve a higher rating. They have far exceeded my expectations.