Augusta financial inc. Review

Mike Meena and his team were incredibly hard-working and kind and stayed late to help us rush through an approval after our first lender left us in a bind. They had outstanding communication and Mike called me personally a couple of times (even though they are INSANELY BUSY right now) to talk over our situation and explain what was going on. My husband and I were just incredibly thankful for Mike and his crew and it's clear that they are leaders and well-regarded in the SCV for a reason.

We first were recommended to Steve Tampus around December 2020, by a realtor we were working with via Redfin/NextHome apps. It was originally our intention to keep our first home, and buy a second as our mortgage officer at the time said it shouldn't be a problem after reviewing our finances.

We were all set to go with our original lender when Steve came in and promised he could close just as fast, and also get our downpayment from 20% down to 15%. Our realtor also advised us that it would be better to work with a local lender as our offer may not be taken seriously by the buyer of our dream home. While this advice rubbed us the wrong way, we chose Steve anyway because we had missed a few homes in November from overbid offers. He ensured us that while we were both at new jobs for over 6 months, our six months of paystubs and our taxes should be sufficient in getting our loan processed.

After reviewing our file over the weekend, he advised us that we would need to sell our first home in order to qualify for the lower downpayment. We wanted this house so bad, we had our agent list our first home, and accepted the first offer tossed our way because we didn't want our home sale to affect the closing of our new dream home. After weeks of going back and forward with Steve's team, and getting our first home into Escrow, we were now almost at the end of week 2 for our Escrow. Steve informed us underwriter was reviewing our files and we should know by this coming Monday (1/3/21). It was Tuesday 1/4/21, when we received the grim news. The underwriter declined our loan because they did not like that my wife was making more income then I. We even had the owner of our company write a letter explaining why she was hired with a higher pay.

We were on a trip in Tahoe with our kids when we received the bad news and it seems discriminatory that they would call my wife's pay "fishy". Thankfully, we did not lose our dream home as we went back to our original lender (C2 Financial Corp), and fortunately they were so good that they were able to close in TEN days without any hiccups. Steven's team never even refunded back the inspection that his team ordered and never used. We will work on charging this back, as they never return calls or emails.

TLDR: Was all set to offer on our dream home, but our showing agent recommended using a local lender to be taken seriously. Steve and team were responsive originally, but as the weeks went on and the escrow clock was ticking they failed us in the worse way possible. We could still have our first home, and not just our dream home had we not listened to these people. The whole ordeal felt shady, almost mafia like. Even the buyers of our current home did not like anyone from Augusta and Keller Williams VIP.

I had a fantastic experience with Augusta Financial! I worked with Jordan Must and was extremely impressed with his expansive knowledge, ability to explain policies and procedures (in a way that I fully understood), and general responsiveness. I would email him a question and get an immediate response! He was patient and willing to take the time to talk me through many important decisions. It was my first time buying a home, so it was nice to have someone I could trust on my side. I look forward to working with him in the future!

I highly recommend Kevin Ker for all your loan needs! He made the process so simple and explained everything along the way. For a first time home buyer it is a little nerve-racking and you don t quite know what you re getting yourself into but Kevin made it super simple to understand and I was never lost or confused during the entire process. Also any time something came up and I had a question he was super easy to get a hold of.

I dont recommend this place. A big waste of time. Do your research before doing something like this. They ran my credit for nothing and didnt point me to the right direction just moved on.

I've delt with Augusta Financial 3 times. Im not a paperwork person or someone who posts reviews but I feel so good I had to write a review. The whole homebuying/refinancing thing can be overwhelming but the crew at Augusta Financial makes the process painless. 100% recommend them and I would not go with anyone else. 6 years after my first home buying experience I'm at it again and dealing with the same people who helped me years ago which says allot about the buisiness. Save yourself from stressing out and contact them.

Purchasing a home for the first time and going through the mortgage application process can be daunting and stressful. Sean made my first home purchase infinitely easier. He was patient with my questions and concerns, explained the process clearly, and did what was in my best interest the entire time. He provided me with a realistic timeline of the application process and promptly took care of everything needed to be done to stay on the timeline. I feel very lucky that he helped me and would definitely recommend him to everyone.

The whole team was amazing. Very happy with there service.

People B+....Refinance Process F

Alicia and David were great. Augusta's process was TERRIBLE. I'm not complaining about the many months of waiting. It's also important to point out that we have amazingly high credit scores. The nightmare began AFTER we signed the mountain of paperwork with the notary. It's reasonable to think that you are just about ready to close and be done after that happens. Think again!

Almost daily, after that point, we were sent one or more additional documents to sign. Seemingly senseless and mostly duplicated documents that we had recently signed and were told needed to be updated as "required by underwriting." We figured that there was nothing anyone could do since "underwriting" required these things. Shortly we realized that "underwriting" is really another part of Augusta's own staff that was papering us to death. This was November 2020. The most insane part came when Augusta demanded we prepay thousands of dollars for the complete premium for 2021's homeowner's insurance or they would not close. I would give them one star but after much stress and thousands of dollars put out that we did not anticipate, we did finally manage to close. Wish we had chosen someone else to do this refinance for us.

Mike Meena and company were extremely professional and helpful during our first home purchase. We were so happy with their services, we went back to refinance with them five years later and will do so again in the future if necessary. We would never use anyone else.