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First Franklin Mortgage

No of Reviews : (51)

	Over all First Franklin Mortgage Rating

	Coverage		28.2%
	Cost		27.8%
	Customer Service		31%
	Claims		27.5%

All About First Franklin Mortgage

The First Franklin Mortgage was Founded in the year 1981 by brothers William D. and Steve D. Dallas. In the beginning First Franklin Mortgage was a retail brokerage company and now it has grown to a full-service mortgage throughout the United States. It is very aggressive in Direct Access product line and it has got great record for its responsive customer service. Due to this it has obtained a strong market presence in the mortgage industry. First Franklin currently conducts business with more than 23,000 mortgage brokers and bankers and operates wholesale centers throughout the United States.

First Franklin Financial Corporation, is a leading nationwide mortgage lender, and a subsidiary of National City Corporation. First Franklin employs over 1,800 mortgage professionals. Its head quarteres are located in San Jose, California and it maintains 33 sales branches throughout the country. Online Franklin mortgage sites may offer loan packages, or allow the customer to compare the different mortgage options which are available to them.

There are a host of First Franklin Mortgage options available for homebuyers.

1. Fixed rate
2. Adjustable rate
3. balloon or jumbo mortgages.

The mortgage broker passes funding and servicing to First Franklin Mortgage wholesale sources. Mortgage broker is an independent contractor working with a number of wholesale lenders. Mortgage broker firm operations originate over half of all the real estate loans in the United states. It has professional experts with direct access to hundreds of loan products, providing consumers cost-effective and efficient options that cater to their specific needs. Mortgage broker provides customers with choice, convenience and expertise. The mortgage broker acts as a leader to the consumer, guiding him through the entire process, offering extensive choices and balancing the customer's financial goals.

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Reviews

Review By:
Location:	west hills, California
Type of Mortgage:	Home Purchase
Date:	02-13-2010


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Summary
CROOKS, SOMEONE SHOULD SUE THEM.

Review By:	???
Location:	Raleigh, North Carolina
Type of Mortgage:	Home Purchase
Date:	01-25-2010


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Summary
Hated them HATED them they are currently reporting 2 late payments for 2009 and my house was sold in 2007. This is about to hit the fan.

Review By:
Location:	PLYMOUTH, Massachusetts
Type of Mortgage:	Home Purchase
Date:	01-11-2010


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Summary
53% OF MY INCOME PAYS THE 1ST AND 2ND MORTG.53% OF STRUGGLING EA MONTH TO BE CURRENT-FOR WHAT?I ASKED FOR THE HAMP AS MY HUSBAND HAS BEEN LAID OFF FOR 1 1/2 YRS NOW. THEY LAUGHED AT ME! I WAS TOLD BY THE RESOLUTION TEAM:YOU ARENT 60 DAYS PAST DUE, AND YOUR CURRENT AND THEY HU! So 3 weeks ago i was laid off!Called back same dept-they laughed again and said :we arent gonna reduce your mortg ny that much(meaning what unemployment will give me ea mo) and they hung up again! We spoke to the HOPE line, 2 hud counselors and got only empathy from them to date, no return calls ever-hence the name HOPE LINE. Ever look at how many lenders are modifying laons under the HAMP program? Take a look at first franklins-out of 45,000 people, 26 are in a trial period!!!!!!!!! what is wrong here???.

Review By:
Location:	La Marque, Texas
Type of Mortgage:	Home Purchase
Date:	05-13-2009


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Summary
First let me say that I have read every review that others have made on this site. I personally have had my mortgage with this company for over five years. Guess what, not a problem one, I make my payment on time (or within a couple of days of being due sometimes) and had a problem only once about a missing payment which First Franklin's customer service took care of without giving me any problems. I sympathise with the other people that have had problems with First Franklin but all of them had the same problem...they missed making their payments. These companies that lend people money are in business to make money off of you. The sooner you accept this the better off you'll be. If you lose your job I am deeply sorry, but that doesn't change what you owe someone. Lend a friend a large sum of money and when he doesn't pay you just tell him its o.k. you can pay me later...then next month he tells you again that he still can't pay you until later. Guess what, I bet he doesn't stay your friend for very long. Think about it.....

Review By:
Location:	Urbana, Ohio
Type of Mortgage:	Home Purchase
Date:	10-04-2008


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Summary
My husband was envolved in a hunting accident in Dec.2007 and was out of work for over 6 months. I called the mortgage company soon after to inform them on what just had happen. I was told make as much payment as I could and not to worry about the rest. I was also informed to file for a hardship modification. (this was in Jan 2008)Well I was sure wrong. Needless to say, we also was on the brink of forclosure. I had talked to so many different person and none of them EVER knew what was going on. So, I started writing down every last persons name that I talked to and what was said each time. I ended up recieving the forclosure court papers in the mail. I WENT to court and informed the judge what I was told by each person. He only gave me two weeks to arrange a "repayment plan". I called almost ever week. We are now in a repayment agreement, the payments are doubled and we are still waiting on the "hardship modification". BUT WE ARE STILL IN OUR HOME. Sometimes you have to just stay ahead of them. Ask them questions and DEMAND them to answer the questions. IF they don't, demand to speak to their supervisor. ALWAYS!!! get the person's name, write the date you speak to them, and what the conversation was all about.. cover you own butt, because they really could care less. YOU TAKE CONTROL.

Review By:
Location:	Charlotte, North Carolina
Type of Mortgage:	Refinance
Date:	10-01-2008


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Summary
This company is a joke. They do not care whether you live in your car or under the bridge over the interstate. They are big liars and all representatives have different answers to the same questions. Once they put your home into foreclosure, forget trying to contact them to see if there is anything else they can help you with. I have tried for over 2 1/2 years and notfied them before my situation happen but they dragged their feets until August 2008 and came up with a repayment plan that exceeded my total take home income. They will lie and you know that they are lying. These brothers have created a monster of a company that intention are to ruin people lives so they can collect bonuses on homes they can foreclose on. I could afford my mortgage until my job went overseas and a big drop in my income. These people are the devils children..

Review By:
Location:	ORLAND PARK, Illinois
Type of Mortgage:	Refinance
Date:	09-13-2008


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Summary
HORRIBLE! THANK YOU FOR NOTHING. YOU RUINED OUR LIVES..

Review By:
Location:	Pittsburgh, Pennsylvania
Type of Mortgage:	Refinance
Date:	08-23-2008


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Summary
It sounds like you all have been dealing with a collections department - next time you call ask to be connected with Loss Mitigation - thats the department that can help with the issues addressed here...collectors get paid on what they collect and don't have the knowledge to help..

Review By:
Location:	Lapeer, Michigan
Type of Mortgage:	Refinance
Date:	08-19-2008


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Summary
I agree with all the reviews appearing here. They are nasty people. I tried nearly a year ago to work things out with them. They didn't want to talk to me - they told me to, "...post-date a check," ... to make sure I didn't go 30 days late. Now, I'm in the final days of the 'redemption period,' and have been trying to speak to someone there to either help me out, or at least, tell me when I'm going to be evicted.......no answers, no returned calls, no communication by mail or email. As I type this, I have been on hold with their collections department for over 45 minutes. I guess I better start packing! - OH, WAIT, here's an update! They just answered the phone and I was given another number to call: their attorney's office. Going to pack, now. Goodbye and good luck to the rest of you..

Review By:
Location:	Lincoln park, Michigan
Type of Mortgage:	Home Purchase
Date:	07-20-2008


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Summary
We purchased our home in Feb. 2007 and our loan was issued by First Franklin. The loan is now being held by Home Loan Services. As of this date we have been very fortunate. First Franklin gave us a opportunity to purchase a recently built home with their financing. We had some major credit issues and we were very grateful that we were given that capability to make this happen. We have had no issues with either company when we needed to have our escrow amount adjusted. I would like to say there were many lenders that were in the subprime field that would not extend an offer to obtain a loan, whereas First Franklin did. We would thank them for that. We closed on our loan on 02/27/2007. First Franklin imploded on 02/28/2007..

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