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First Class Mortgage V, Inc.

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5.0
441 reviews
|Finance|Maple Grove, MN 55369

12906 63rd Ave N, Maple Grove, MN 55369

(763) 416-6789

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About

First Class Mortgage consultants in our Maple Grove office are available to handle every aspect of your mortgage needs. Whether you are buying a new home or refinancing your existing mortgage, our dedicated team is committed to fulfilling your home financing needs. We provide first-class service, first-class knowledge, and a first-class experience at the lowest interest rates. We work with a network of lenders throughout the United States to find the right mortgage for your budget and timeline. As a locally owned company, we are staffed and operated by people who understand that each family is special and individual attention is necessary to satisfy each unique financial situation. That's wh

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5.0
441 reviews
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  • 429 Reviews5.0Google
  • 11 Reviews5.0Dex Knows
  • 1 Review1.0BBB
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Recommended
Meghan K. on BBB

2 years ago

04/24/2018, 03:01 AM
I worked with them for my first mortgage when I decided to purchase a house. They were not transparent in their conversations with me nor were they knowledgeable about the guidelines for the FHA loan they stated would be the best option for me. When I put in my initial purchase agreement I specifically asked questions in regards to the inspection and appraisal and further costs. The day before closing my cash to close increased by hundreds of dollars because the answers they provided for me over a month earlier were incorrect. When speaking to them about what had happened they were hostile, rude, and threatening. They threatened to remove lender credits and increase my interest rate if I sti...  more>>
Business Response:

Hello, I am the owner of First Class Mortgage. We apologize that you felt your experience was frustrating and that your closing costs came in higher than you thought they should be. Financing a home can be stressful and confusing at times. That is why we take great pride to help our clients navigate the many underwriting rules and program guidelines that we are required to adhere to. With your file we had to work through many hurdles together to ensure that your loan closed on time, as promised. I thoroughly reviewed all correspondence and have found that there was no communication that was hostile, rude or threatening. We believe all communication reviewed was cordial, friendly and prompt. Once we had your loan final approved you even referred a co-worker to us since you were pleased with our services. We are very appreciative of that referral. It wasn’t until the week of your closing that you expressed frustration, in regards to paying for the FHA appraisal. As we previously explained, FHA guidelines require the borrower to pay for the appraisal. FHA requires the HUD appraiser to be reimbursed for the appraisal. Here are the guidelines taken from the HUD Handbook 4000.1 that we sent you: (8) TRANSFERRING EXISTING APPRAISALS: IN cases where a Borrower has switched Mortgagees, the first Mortgagee must, at the Borrower's request, transfer teh appraisal to the second MOrtgagee within five business days. The Appraiser is not required to provide the appraisal to the new Mortgagee. The client name on the appraisal does not need to reflect the new Mortgagee. If the original Mortgagee has not been reimbursed for the cost of the appraisal, the Mortgagee is not required to transfer the appraisal until it is reimbursed. --- The second Mortgagee may not request the Appraiser to re-address the appraisal. If the second Mortgagee finds deficiencies in the appraisal, the Mortgagee must order a new appraisal. END I also researched all Loan Estimates (LE) disclosed to you over the course of the loan process. The good news is your loan terms on the final Closing Disclosure actually improved from your original Loan Estimate. Due to renegotiations we did on your behalf you were able to get a lower rate and monthly payment then when you originally locked in. In our initial Loan Estimates we had also included the charge for the FHA appraisal. The total cash for closing that you needed was exactly $4,375. This is the 3.5% down payment that is legally required for all FHA loans. You were not charged anything extra for closing costs. The amount that you paid for the appraisal was actually used as a credit toward your 3.5% down payment requirement. We apologize for any additional stress. We needed to follow FHA guidelines so that we could close your FHA loan on time. Thank you in advance for reconsidering previous communication and response to your concerns. We wish you many blessings in your new home and we appreciate your business.

Respond to negative reviews
Krista on Dex Knows

6 years ago

05/08/2014, 02:03 AM
First Class Mortgage - Live up to its Name!
My husband and I were extremely impressed and happy with our experience working with First Class Mortgage – both when we refinanced over a year ago and ever since – as they’ve continued to stay in touch and be a responsive, helpful resource. Which only proves to me that they continue to care about their clients, long after the business is complete. They bring a genuine, personal approach to an industry that doesn’t always do the same and have do only what’s in the best interest for the client. We’ve purchased other homes, refinanced a couple times – all with other companies and none came close to the superior customer experience, prof
...  more>>
Jackie on Dex Knows

6 years ago

11/04/2013, 01:24 AM
First Class Mortgage
First Class Mortgage Rocks !!! Very smart and they always get back to you ASAP.
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HappyHomeOwner on Dex Knows

6 years ago

10/23/2013, 02:08 AM
First Class Mortgage is Fabulous
I was referred to Brady Day by my credit union, Hiway Federal, because my fiance and I were in need of mortgage services beyond what Hiway could provide. My fiance has been a student making little the past two years, we did not have much of a down payment, and were not confident we could get much equity out of my tiny house. Our initial plan was to get down payment assistance for a bigger home via FHA. Brady steered us away from that as it was to our financial benefit to avoid it. We followed his advise one step at a time, using a very good realtor he recommended, and before we knew it we had sold my small house and were in a new house that is just right for
...  more>>
b.schmittou on Dex Knows

7 years ago

07/08/2013, 01:41 AM
First class mortgage
We were selling and buying a new home and my bank referred me to first class mortgage, I worked with Casey Van Winkel, he was wonderful and help with everything we would need to get all our paperwork together in the short amount of time we had to get it all done. Thank you all so much for making this experience less stressful. I would recommend first class mortgage in the future to friends and family. Thanks Casey you were wonderul to work with.
Kristy Kloos on Dex Knows

7 years ago

04/25/2013, 02:03 AM
Above and Beyond Service!
I bought my townhome in 2007, just before the Real Estate market crashed. Like so many other homeowners, I now found myself stuck with a home that I was very under water on, had a high interest rate, and no bank that would refinance my mortgage. Fast forward to 2013, and I now rent the property as I cannot sell it. According to the banks, my loan was now too risky to refinance. I all but gave up on any hope of lowering my interest rate when we were referred to Casey Van Winkle of First Class Mortgage.While so many others refused to even try and refinance my mortgage, Casey went above and beyond. Even after being denied, Casey continued to make every effort until he
...  more>>
Megan on Dex Knows

7 years ago

04/09/2013, 02:23 AM
Home Buying made easy and comfortable!
Casey and his team worked with our family to make this process easy and comfortable. His advice made our home buying a great long-term, managable process! We are so grateful to Casey and his team for taking the time and committing the effort to find the best option for our family!
Casey Van Winkle on Dex Knows

7 years ago

04/02/2013, 01:29 AM
First Class Mortgage
I had the opportunity to work with Casey Van Winkle recently when I refinanced my home. Casey was amazing to work with. He was authentic, professional, caring and he went out of his way to make sure that I had a positive experience. I would strongly recommend him and his company to anyone looking into the mortgage business. He was very approachable and he worked very hard to provide me with excellent service. I was very impressed!!
Jessie on Dex Knows

8 years ago

07/10/2012, 03:31 AM
Superior Service
I was referred to First Class Mortgage by a family member and I couldn't have been more pleased with the service I received. Casey and his team not only worked tirelessly on our refinance to make sure we received the best rate and lowest closing cost possible, they were also kind and easy to work with. I would recommend First Class Mortgage to anyone!!
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