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Reviews for Spencer Lumia
Excellent Service
Spencer was great. He keeps me up to date on everything that is being required. He is punctual with responses and was always able to fix all my concerns.
FHA 30 Year Fixed Florida
Spencer and team are outstanding
Soencer Lumia and the FBC Mortgage team were with my fiancee' and I through the entire process. Great communication and great rate!
Conventional 30 Year Fixed Florida
Incredible Experience
From start to finish, Spencer was incredible to work with! During the initial application/pre-approval process, Spencer made himself available on evenings and weekends to make sure all of my questions and concerns were answered! Throughout the entire construction process Spencer stayed in constant communication and made sure I was aware of any updates or changes in the statutes/stage of my approval! Definitely recommend the team at FBC!
Blaine's Tip: Research the general documentation required for the pre-approval process and have those ready, it will save you a lot of time!
FHA 30 Year Fixed Florida
Finally Found A House
Excellent experience from start to finish.
FHA Florida
Superb Experience
Spencer made what is normally a very stressful experience manageable and smooth. Proactive communication and always felt he was my advocate
Conventional Florida
Excellent Home Loan Officer
Working with Spencer Lumia was fantastic! The online application and approval process was simple, and Spencer was easy to contact. He gave us a competitive rate that was lower than USAA and Veterans Homes United, and he closed in less than 30 days.
VA 30 Year Fixed Florida
Spencer Deserves a Raise
Building a home that took two years to finish was very aggravating and at times disheartening. Spencer was the only constant in the process. He always returned my calls and went the extra mile to secure the financing for my ever-changing closing date. I think he's the reason I stayed sane through the process. I'll always appreciate his help and guidance through it all.
Conventional 30 Year Fixed Florida
All hands on deck!
Spencer was outstanding! He was professional while personable; knowledgeable and thorough. He insured all the parts fit....Well done Spenc!! Thank you!
USDA 30 Year Fixed Florida
Great team
Great team , Spencer and Travis were super helpfull and were able to answer all questions in a timely matter will recomend to anyone looking for a smooth loan process.
Olga's Tip: Great team , Spencer and Travis were super helpfull and were able to answer all questions in a timely matter will recomend to anyone looking for a smooth loan process.
FHA 30 Year Fixed Florida
Exceptional Financial Service
Spencer Lumia and his Team where excellent to work with in this process. Whenever I had a question no matter how ridiculous, He always replied quickly and with knowledge for me to understand. What a Great Company to work with.
Kevin's Tip: Have All your Financials in Order, don't keep anything from the Lender and Always be ready to answer any questions the Lender May have at any given time.
Conventional 30 Year Fixed Florida
Top Notch Service
Spencer was great from beginning to end. Always available to answer questions if needed, as well as offer advice. 100% would recommend!!
Conventional 30 Year Fixed Florida
FBC and Spencer made it easy
From day 1, Spencer was on top of any challenges and was ALWAYS available to answer questions!
Conventional 30 Year Fixed Florida
Very effective
Our loan officer and his team were very proficient and effective. The loan was a smooth process.
Elroy's Tip: Be patient and let the loan process runs it course.
VA 30 Year Fixed Florida
Excellent work!!!
Spencer Lumia is an outstanding loan officer. He alway kept us informed on what’s going on, and he was available and quickly responded to any questions we had. He made this entire process less stressful. He is a great asset to your company. I will definitely recommend this company and loan officer to anyone!!!
Darine's Tip: N/a
FHA 30 Year Fixed Florida
Re mortgage
FBC was a pleasure to work with!! Very efficient!! Moved things in a timely manner and my Agent Spencer Lumia did a fabulous job for me !! Highly recommended!!!!!!
Conventional 30 Year Fixed Florida
Don't go to anyone else!
If you're getting a mortgage, go to Spencer! Spencer! He has a no-nonsense approach to the mortgage process and will get you through it. He consistently provided me with updatesd on my mortgage application and provided incredibly accurate insights throughout the entire process. Spencer provided me with cost-effective options to get the best terms on my mortgage. I've bought other properties in the past but never had a competent team like Spencer and his colleagues.
VA Florida
Outstanding Experience
Spencer Lumia is an outstanding lender. He was excellent in communicating throughout the whole process. He was able to answer all my questions and get my loan closed quickly without any issues. Overall great experience!
Conventional 30 Year Fixed Florida
Kept Me Informed and Has a Strong Team
I worked with Spencer starting in May 2020 on a new construction as their preferred lender. While the home was in construction, Spencer and his team worked to keep me informed and my loan current throughout the process. They took the extra steps to call or text if there when there was something that was time sensitive. Due to building delays with the pandemic, my loan closing was adjusted twice, but Spence and Lisa worked to keep me posted and things moving to ensure that we had the right loan lock period and things in place when it was back on again. I would definitely work with Spence again for the purchase of another home and highly recommend FBC.
FHA 30 Year Fixed Florida
Not a great experience
Please understand that really don't relish in giving anyone a negative review. As a first-time homebuyer the experience was just less than ideal and I was stressed the entire time. My realtor begged me to use her preferred lender because she said her lender was extremely responsive and communicative and she knows I would have the best experience. I told her no thank you, I'm already working with a lender and I'm comfortable with him. That was a big mistake. Spencer just wasn't as responsive as I felt a lender should be, especially when there were hiccups in the process 10 days before closing. There basically was no sense of urgency on his part when I encountered a problem. He didn't respond to or keep my realtor in the loop at all, forcing me to be the go between for him and the realtor in order to keep everyone on the same page about what was happening. The day before closing the title company calls me and says they haven't received necessary paperwork from his team and my closing may have to be pushed back. Luckily it didn't, but once again no sense of urgency. As a first time home buyer, it just felt like my little loan wasn't a priority at all. I'm extremely responsive and returned all paperwork in a timely manner. When I was asked to produce a document that I couldn't produce 10 days before closing I emailed him and called to see how we could salvage the deal and make it to closing. I received an email saying he was busy and would call me in the morning. Morning comes and still no call from him. I had to call him to see whether or not I would have a place to live in 10 days. Luckily we were able to salvage the deal but the sense of urgency when there was a major hiccup was just not there and it certainly made me feel like my little loan wasn't a priority. I understand loan officers deal with multiple clients at once but overall the customer service could have been better.
Bryana's Tip: Go with a lender that already has a good relationship with your realtor so the communication will be seamless.
Conventional 30 Year Fixed Florida
Great Service!
Spencer made the entire loan process a breeze. He was always available for a phone call and quickly responded to emails. Thank you so much. I would highly recommend!
Conventional 30 Year Fixed Florida
Informative
Spencer is very knowledgeable, informative, patient and kind. There were some issues with title of the house, and being a first time buyer, of course this made me nervous. Spencer was there to answer all my questions, and put my mind at easy. Spencer and his team worked diligently to make this happen for me.
Conventional 30 Year Fixed Florida
First buyer
I think there could have been more communication
Annette's Tip: I think there could have been more communication
Lender Response
We apologize for your experience with FBC Mortgage, LLC. Our goal is to provide the highest level of customer satisfaction. We will be contacting you to discuss your specific situation and make every attempt to resolve your experience with FBC Mortgage, LLC.FHA 30 Year Fixed Florida
