I highly recommend using Magnolia Bank… I highly recommend using Magnolia Bank for your refinance needs. Dan Mason and Greg Encarnacion made the process super easy. Would definitely do business with them again.

The Worst Bank Lender -Do Not Use them! May clients went to this bank to pull money out of their house to pay off loans. This was THE WORST experience with a team and underwriting process. I know this as I was on all the emails. They do acquisitions of houses , flips and I can tell you the underwriting process was horrible. They would constantly not open all the attachments requesting them again, cause over 14 business days of delays in closing the loan. This is a small loan 230k against value of home of 900+K and fico over 750. Ridiculous, the broker kept making excuses and pointing figures at the time it takes to upload the documents and then have underwriting review them stating "your not the only loan they are working on". The underwriter would come back with nit picky requests like I have NEVER SEEN. HORRIBLE horrible and will never use them again. At the last min they stuck my client with points because the broker screwed up and was not able to keep the loan as a no prepay penalty. So they had to pay for points to pay off this loan which they clearly stated at the beginning of the process was a kill item for them. DO NOT USE this company. And their rates are not competitive. They were so in and up against a lending deadline they had we just could not move the loan so we had to finish with this horrible bank lenders.

Great Bank & Easy Process As a real estate investor, I was initially hesitant about dealing with an out-of-state bank. However, Dan and his team did a fantastic job. He delivered as promised, and their process is extremely easy. I highly recommend Dan's services to anyone looking for a great bank to work with.

What a great experience! we had with… What a great experience we had with Magnolia Bank. Dan Mason, Greg Encarnacion and the entire team at Magnolia made refinancing a breeze. I highly recommend them, they are great to work with, truly professional!

Dan/Greg Dan, Greg, and his crew made everything very pleasant and easy. They got the loan processed very quickly and they kept me notified as to the status nearly every day. I bothered them alot with questions, but they didn't seem to mind at all and they were always helpful. I feel very comfortable with them, even though we never met, face to face, I feel like we're friends. I would recommend them to everybody. Thanks, guys!