Great refinance experience We had a great experience refinancing our house through Magnolia, working with Dan and Greg. They were attentive during our uniquely drawn-out process and helped us refinance into a much better rate.

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.

Quick and honest responses Excellent communication and easy to reach out the team. Dan was excellent and forthcoming with rates and cost - he gave honest and prompt responses. It was very easy to fill out forms on website and Dan and Greg help at every point if I got stuck - Excellent experience.

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 his people are one of the best… Dan and his people are one of the best I have delt with they help me all the way about my loan and helped me resolve any and every issue. Well let any one that I know or ask me do I know a mortgage or loan to speak with him. Great doing business with you and your company 👏 👍.