Silverton Mortgage — Local services in Atlanta

I really like some of the tools and processes Silverton uses in accepting, processing, and including the delivery of the documents. They have great mortgage loan officers who are very personable. Their loan processors are a little pushy, but they get it done in time to close. However, there are a few issues that would really help in making it a great mortgage company. The initial Closing Disclosure (CD) was way off ($7k) and not even close to what was agreed. I was told they are defaults and all will get sorted out by the closing attorney. This approach only causes anxiety for the buyer and more back-and-forth with the closing attorney. They told me that VA loans do not allow borrowers to pay their own property taxes and home insurance; not true. VA has no restriction on this. I pushed back and they said Silverton doesnt allow for this, despite me putting down 30%. The escrow items are calculated at 16 months, contrary to the limit of 14 months by law, then proivdes an "aggregate adjustment" to back it out making it very difficult for the buyer to calculate to ensure it is correct. I paid for the appraisal up front despite that it was to be paid by the seller. What was odd is you would expect that to be in the closing as a credit to the buyer, but instead it was processed as a refund after poked a couple of times about not getting the amount refunded. Getting close to closing is hectic with coordinating moving, utilities, etc., so this is often forgotten about by most buyers. Silverton can make this easier for the buyers so as it is not forgotten. Finally, their privacy policy allows them to sell buyers information for marketing purposes. Although I was told they would never do that, the privacy policy that is part of the loan application clearly states they can disclose it to 3rd parties for marketing. Obviously this is not my first loan closure. In fact, I have bought/sold 14 homes over the course of my life, so I am no stranger to the process and documents. Hope you find...

I would definitely recommend giving this company a try! Sharon Mason (LO) was amazing! She was very kind, patient and knew her stuff! Whenever I'm shopping around for big ticket items, such as a mortgage, I take my time by studying the company, educating myself on the terms & loan costs/fees, reading reviews, comparing apples to oranges, etc. So you see I do extensive research before finalizing my decision! However, after comparing other lenders, I noticed Ms. Sharon wasn't being pushy, selling me a dream or just telling me things just to make me "feel" good. She kept it real and kept me informed about the rates, cost of the loan (in intricate details), etc. See most of these lenders fall under the same guidelines to stay in compliance with federal regulations, but they can throw in their own fees which some can be unnecessary! You know they all have a team of stakeholders such as an attorney, title/escrow officer, etc. So everyone has fees, but after researching, Silverton didn't have all these extra fees the other big companies had, so I was sold based on that and the customer service along with a sense of peace within my spirit! Last, my closing took about 7-10 days only! I've heard from other borrowers how it took them up to 6 months to close from other lenders...no lie!! If you have a good team that's in order, collaborating in unity collectively, then don't see no other reason why it should take that long to close, but not with Silverton...at least not in my...

We are so grateful for Silverton Mortgage. We had the pleasure of working with Maureen Swindall and she made the whole process easy to get through. Not only did she answer all our questions but she also was so knowledgeable about things we never knew that we always left knowing more. Due to that we were able to make the best decision for our mortgage. She also stayed along side us during the paperwork process to make sure we were doing well. We were pleasantly surprised and grateful for reaching out even after closing. Which showed the extra care, time, and effort they put into their clients. Usually companies keep it at a “just business” level but they felt like family the whole time. Family taking care of family. We are so grateful for the whole time and those that worked on our closing but never knew by name. Alongside with Alison who was clear, detailed, friendly, patient and so helpful throughout the paperwork process. And I cannot forget the responsiveness of this team!! They were on top of their game. Any question we had big or small it was answered on the same day within minutes and even seconds. So professional. Thank you Maureen, Alison, and the rest of the team for such a pleasant experience. You all made the home buying process a breeze and got us through so...