First Option Mortgage

I have done several loans and refi's with First Option. I receive excellent service every time. I highly recommend them to friends and family.
Jul 20th, 2014

If I could give this company 0 stars I would!!! Terrible experience, almost lost our earnest money and the house we wanted to purchase. We started the loan process for a refinance to put a down payment on a house to purchase in early April with Britt Boyles. We were told our loan would be approved and signed initial disclosures with First Option in early May. We then went under contract for the purchase closing 6/6 and were assured by Britt that the refinance would be done in plenty of time to have cash at the 6/6 closing, and that funds would be available a few days after the appraisal was complete. Once the appraisal was done 5/15, Britt claimed that he never told us the funds would be available soon after the appraisal, and also claimed that he didn't even know about the closing on 6/6. For some reason, despite first assuring us that the loan would close in time, Britt could not get us approved. Every day he needed additional documentation and asked for the same things more than once. He waited for weeks to put the file into underwriting even though he knew it was time sensitive. We almost lost our earnest money and the house we wanted to buy. We had to go to another lender and extend our contract and pay $120 per day for 12 additional days plus pay for a second appraisal. The other lender was able to get us approved within the 12 days. All together the incompetence of Britt and his manager John Warren cost us over $3000. I have never experienced such incompetence and unprofessionalism, and we have reported them to the bbb where there are several similar complaints already filed. Should have checked there first!!!
Nov 26th, 2013

As first time home buyers, FOL (George Hagar in particular), made the process easy and enjoyable. He took us through step-by-step and explained things in a way that made it much less intimidating. We truly felt that George and FOL were looking out for us. Thanks again! We couldn't have done it without you...seriously!
May 29th, 2013

My wife and I bought our first house through First Option and Rusty. We had no idea what we were getting into but Rusty was able to explain everything from the beginning and any questions I had he answered. The house was complicated and the dang government made things complicated as well with crazy laws, but we stuck with it and Rusty and our Realtor were able to pull through and get things done for us. We are happy with our purchase and will be using them again.
Mar 19th, 2013

I have been in the process of Refinancing my property, applying in July and as of now, October 19th am still waiting to close. I have refinanced several times prior with other lenders, and have never had such a long, frustrating, and time consuming process. This has been the most dissatisfying, miserable experience I have had with a lender for a refinance. They keep blaming it on the underwriters and their investors, so I am at loss to what is really going on. They say they are quick to close, I was even told that I would most likely close in 30 days, that was the first week of July. I have spent over 60 hours gathering documents, copying, scanning, creating pdfs, emailing, calling and still have no answer final answer. I wish I had picked a different lender. I would have saved money by now and most likely would have had a better experience. The rate is not that great either, 4%. I have already had a 45 day lock expire, and the 30 day lock they have me on now is about to expire. Take your chances, if you have a long time to wait and are not in any hurry, then apply here.
Aug 29th, 2012