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.

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.

Dan and the team at Magnolia were a… Dan and the team at Magnolia were a godsend to work with on my recent Re-Fi. From start to finish, and under a tight timeframe - they got me to closing in the exact 30-day window as promised.

Great Experience “Making a move from California to North Carolina creates its own brand of stress, but Dan and his team made this transition experience very pleasant. Dan navigated me through all phases of the process well beyond what I would have expected from my mortgage broker. We would highly recommend Dan if you need mortgage advice as their service is exceptional. We can’t thank you enough for all you’ve done for us. Thank You again!!”

Dan and Greg were incredibly helpful… Dan and Greg were incredibly helpful and always responsive to our questions. Communication was consistent and frequent. They were both wonderfully detail oriented and made sure our home buying experience was flawlessly executed. We highly recommend Dan and Greg and would use them again with future endeavors.