Real Genius, A Division of FirstBank S Congress Ave, Delray Beach

We have worked with Adam Lane two times, once for a refinance and another time for a new conventional loan. Adam is the best loan officer we've ever worked with. He is very knowledgeable, experienced, and was with in 1 to 2 hours responsive to our multiple email questions and phone calls. We highly recommend Adam and Consumer Direct. Adam's service is impecable and Consumer Direct's interest rates were the best we could find.

It's true! ConsumerDirect does in fact have "crazy low rates." If you need to refinance your house, I highly recommend Adam Lane at Consumer Direct Mortgage. Adam and his mortgage loan processer are very professional and pleasant to work with. Thank you Adam.

As smoothly efficient and seamless a re-financing as could be imagined! Mr. Petruzzi's services optimize the customer experience. I have had three real estate transactions with Consumer Direct and Mr. Petruzzi. They make doing business a pleasure.

Consumer direct for Costco members Their rates and fees for Costco member was great and my loan officer Pat Moore get 5 star. But!... the process was a bit complicated due to too many out sourcing services, otherwise I would give a full set of 5 stars. To make best of this service I would suggest get your own local closing attorney (or escrow) and your own local title company to avoid misunderstanding and confusion which I had to go through

Outstanding experience that exceeded all my expectations. Above average communication response times and my loan closed in just under 30 days. Every single person (particularly Erik Elsasser and Brianna Black with whom I worked the most) was courteous and everything was explained in great detail - absolutely nothing unexpected came up. Highly recommend this company!

We just closed our second mortgage transaction with Steve Spivey and his team at ConsumerDirect Mortgage. I can honestly say they will be my first call if we ever have the need for another new mortgage. ConsumerDirect is fast, friendly, honest, and very easy to work with throughout the process. In addition, we shopped around both times and ConsumerDirect offered the lowest total cost for our loan. I highly recommend calling Steve to discuss your mortgage needs.

I was first interested in ConsumerDirect Mortgage when seeing their rates, but was pleasantly surprised with how responsive and helpful everyone was. Charles, my Mortgage Banker, was extremely honest with me and very helpful throughout the whole process.

We had a wonderful experience with this company from day 1! I had found a specific loan officer’s (Charles Petruzzi) information through numerous other online reviews, so called him directly. He was so nice and more than happy to take on our semi complicated case. He immediately started running numerous numbers for me and gave me quotes for a few different loans scenarios and then helped us decide on which would be the best option for us. He was also so quick to get all the paperwork rolling, because we already had a close date that was only 3 weeks away but were having issues with the original loan provider that we had been assigned to. He just always went above and beyond to help us, especially to try and meet our close date, even though it was going to be a tight one. He walked us through every step, explained everything so well, was ALWAYS available to help (even though the time difference put us 2 hours behind him) so he worked late and from home on numerous different things throughout the process. I literally just can’t say enough good things about Charles! The company as a whole too, because he wasn’t the only one who was going to have to bust butt to get us closed on time. We were also assigned a closing officer and another closing agent person towards the end when we got into the final stages of closing, who also did well and were helpful, but none of which were quite as great as Charles. I won’t mention names because some of it wasn’t necessarily their faults directly, but one of the gentleman’s constant lack of friendliness was. I was just glad that no matter what, Charles was still always available through the entire process if I had questions and preferred to speak with him instead. The one and only issue we ran into was on closing day, which was more the fault of the other two people I had just spoke about, but mainly just underwriting. It was such a small and petty issue and could have easily been avoided, which made it all the more frustrating and ridiculous. I won’t get into the lengthy details, or what could have happened, because it all worked out and isn’t a situation most people would have to deal with. Again, we had a complicated case right off the bat for them to deal with. It was just a matter of some last minute paperwork, but they could have easily done things different to avoid it, or at least told us they would want these last minute documents, so we could have had them ready. There was just absolutely no reason for them to spring that sort of stuff on us, completely unexpected, while we’re literally sitting at the title office, waiting for them to give the fund approval and wire the money over so that we could have our keys. In the end everything worked out though and so it was fine. Again, that was the one and only issue we ever had and ultimately I would still 100% recommend this company to anyone. The inconvenience of that one thing didn’t trump all the other wonderful things they did throughout the entire process to help us or get us closed on time. One bad out of a hundred good, sort of thing. We still would have closed either way too. Our situation really was complicated from day one and they just did everything they could to help keep us on track. I had even lost my job in the middle of the process, which was completely unexpected and a whole nother story, but it truly made things even more difficult for everyone and should have derailed our entire loan (and would have for most other companies). However, they just kept working with us, kept fighting to help us, never gave up, and we got our loan and house. They knew how important it was to us and how much we wanted this house, so they truly did go above and beyond to make it all happen. I’ll be forever grateful to them and so happy that I had stumbled across their companies information online. My only advice would be to specifically double check that nothing else is needed the night before your closing. Thank you Charles and CDM for all your hard work and getting us into our dream home! We love you guys! <3

In the best of times getting a home mortgage is a difficult and complicated process. Art, Brianne, and Hesta with Consumer Direct Mortgage made that process as easy and seamless as possible maintaining their professionalism, providing positive can-do problem solving skills/advice, and patience during an uncommon lengthy third-party process. I give them nothing but the highest marks in customer service. I recommend them highly to anyone seeking a home mortgage. As a side note, I've now dealt with Consumer Direct and this specific team on 2 separate loans. My realtors and escrow agents have all commented on the accuracy and knowledge of this team in moving loan applications through to closing.

We just finished the entire course of loan application and closed the property without any issues. We really want to share our experience with ComsumerDirect Mortgage, as their services were exceptional! Before loan application, we decided that we had to evaluate which company we were going to use, as we did not have any experience/chance doing so, for our previous properties. We picked couple companies based on reviews from Zillow, BBB, and Google, and ComsumerDirect Mortgage was one of these selections. We finally narrowed down to ComsumerDirect Mortgage, not only this company offered us very competitive rates, but also their responses were exceptionally prompt, and the process was very transparent. We were so happy made this decision, especially when the loan process moved forward, their prompt and transparent services became very essential. As a typical loan application process, the load of documents and the reasons in need of these documents can be very overwhelming. ComsumerDirect Mortgage representatives were following very high standard to treat their customers like us, meanwhile, maintaining high standard to ensure the accuracy of the documents and other application materials. It resulted satisfied customers, and ensured the smoothness and approval of the loan, which is the most important thing for a loan application. This was our first online loan selection, application, and the completion. We were completely happy with ComsumerDirect Mortgage. I want to mention these people in ComsumerDirect Mortgage, who certainly made our great experience memorable, they are: Charles, Nate, Kristen, and Shannon.