Advisa Mortgage

I’m not really sure I understand the negative reviews here as my experience with both Advisa and Gehan was spectacular, especially considering I had numerous, unique aspects about my situation and credit history which I will briefly divulge.
Firstly, Michelle Wilkins was who I worked with and she was very prompt in responding to my calls, emails and answering any questions or concerns I had in dealing with the circumstances below:
— I was doing an FHA mortgage (i.e. NOT conventional)
— I was being gifted money from a family member for down-​payment /​deposit
— Home was being purchased together by two, unmarried, individuals
— I had a past foreclosure in my credit history and had since re-​built my credit
— I had changed addresses twice within the past 3 years
— I was moving to Austin, TX for my job AND buying this home as a result of the move
— I have a constant revolving credit card balance as a result of weekly business travel (airfare, hotel, etc.) for my job and a lag in reimbursement of travel expenses.
— Since I travel for my job (consulting), I claim income in multiple states
— I was sub-​leasing my prior residence in Chicago.
— I needed to buy a car DURING my pre-​approval period… yes, you read that correctly. The period during which you aren’t supposed to do ANYTHING to change your credit, Michelle helped me navigate the process to make sure I documented everything to satisfy the underwriter’s concerns and was able to get the car.
YES — it was tedious and cumbersome to have to provide a LOT of documentation to the underwriters
YES — some of the documentation seemed redundant, repetitive and unnecessary at times
YES — I followed up with Michelle very regularly (probably annoyed her) asking where we were in the process, if the application was moving forward, are there any complications I should be aware of, is any additional documentation needed, is it ok to buy a pack of bubble gum using my credit card?, etc.
I just closed this past weekend. I was given «clear to close» 5 days beforehand. I had the HUD-​1 settlement statement delivered to me 48 hours before closing. There were no surprises at the closing table and my loan was funded BEFORE I left the Title Company’s office. (TRUE STORY!)
Seriously — look at how many nuances I listed above in my loan and I had NO issues — but I also took responsibility to make sure I didn’t have any issues. As an adult taking on the responsibility of a significant debt, I think making that effort is not only reasonable, it’s expected. Anyone buying a home post-​2007/​8 should realize that underwriters are VERY particular in approving mortgages, especially on new construction. It would be naïve of anyone to think they can get a mortgage with minimal effort on their part. That said, when there was a potential issue, complication, or uncertainty, Michelle was fantastic about following up with me and getting the right answer.
Thank you Michelle /​Advisa for being a wonderful partner throughout this process!

My husband & I started the purchase of our first home by contacting Advisa Mortgage so we could get the application process started. I filled everything out online and a few minutes later I received an email from Matt requesting the necessary paperwork.
Matt walked us through Everything. He kept us informed and was very straight forward with us. Advisa Mortgage worked SO hard on our purchase, we were (and still are) So very Grateful for all the work that they did for our Family!
My Husband & I purchased our very first home with the help of Matt at Advisa Mortgage! Everyone in that office treated us with absolute care & helped us every step of the way! We highly recommend Advisa Mortgage!

I will expand on this more soon, but if you are interested in having these idiots help you finance your home, GO SOME WHERE ELSE. This fools made us LOSE OUR HOUSE. Completely attempted to ruin our lives. Lost thousands of dollars thanks to them. Will be filing a formal complaint to hopefully get them black listed and even better, SHUT DOWN! «preferred lender»? Think again. Find yourself a lender that actually knows how to get a loan funded. I will expand on this more soon, but feel free to private message me and I will go into more detail.

??? My final opinion is still out. Will update later