Brent was responsive, transparent, and a good communicator Brent was a clear communicator. He respected our questions and opinions. He was upfront and transparent about all questions we had. His responses were prompt. He was very helpful from our initial planning and mortgage comparison stage through to closing on our home. We definitely will recommend Brent and FFL to others!

Brent = Best in the business! We were so lucky to have Brent as our lender for our first home! We talked to 8-9 different lenders that offer doctor loans / physician loan and no one else could match his depth of knowledge (or his rates). Brent is incredibly transparent, organized, and professional. From our very first conversation we knew that he was someone we could trust with one of the biggest decisions of our lives. Brent worked closely with our agent to make sure we put together a winning offer. He was always available and responded to even the smallest questions within a few minutes. We ended up making an offer at 10pm on a Friday and a counter on a Sunday afternoon - Brent was there every step of the way running numbers so that we could have total confidence. Once we were under contract Brent kept us updated and made sure we closed on time. Thanks to his thorough pre-qualification process, we had no worries when it was time for final underwriting. We truly couldn’t have asked for a better lender and recommend him without hesitation!

Brent was so fast at processing our… Brent was so fast at processing our Mortgage, and was very helpful with any questions we had. This is our second time using Brent at FFL for a home mortgage.

I’m a repeat customer with Brent This is my second experience working with Brent, previously he helped me with a refinance. Brent is easy to contact, very knowledgeable and worked seamlessly with our realtor to help secure the purchase of our home. He even responded to a last minute request on a Saturday evening while he was at a local sporting event- fabulous customer service!

Beware Beware. Very odd bank to work with. I did a mortgage with them and the SBA 10 years ago and First Federals part had a balloon after 10 years. They called and said they would renew the balloon since I had been a loyal customer and never missed or was late on a payment. The balance was only $191,000 and the property is worth $700,000 so it would seem like good business to keep things going. Then abruptly I got a call from the original person saying they didn't want to renew they just wanted the cash to pay the balance off. He then said I would get a call from some other gentlemen to go over my options. They set up a Zoom meeting and they start the meeting off with "How are you going to pay off the balloon?" I was like oh, I thought this was a meeting to go over options. it seems it was a meeting to ask me that one question which could have easily been communicated without wasting my time. They offered a 60-day extension from the 12/01 deadline, which would have been nice to get me into the new year and into my busy season. After some weeks they emailed and said the committee which meets once a month only approved a 30 day extension. So basically they wanted it paid off on New Year's Eve. that's very inconvenient and awkward dating. I decided I didn't trust, nor want to deal with this bank any longer requested a payoff and wiring instructions. they responded with a 1-day payoff quote. Basically, it made me drop everything and run to Huntington to wire them the money immediately to avoid additional interest charges. As a consumer or a business owner, I would think long and hard about dealing with such impersonal employees and a bank that hides behind faceless committees, that show no loyalty to good-paying local customers. maybe they should just stay in Lakewood and leave this area altogether.