We recently closed on a traditional 30 yr fixed mortgage with FFSI. I was very hesitant to use a company I found on-line and not go with a traditional bank or a local mortgage broker. (We had a terrible experience before when we had tried to refinance with another company even though we have excellent credit and lots of equity in house.) I also saw some bad reviews on Yelp. Regardless, the rate was great and fees were nil, so I took a leap of faith. FFSI WAS EXCELLENT - START TO FINISH!
I rarely write reviews for anyone for anything - but I felt very compelled to share how wonderful they were - Mark Barrett, Sr. Loan Officer was great at putting my mind at ease (emailing me on the weekends!). Renee Grey, Sr. Processor was fabulous at moving everything along FAST. When we signed our loan documents on Monday, the Title Company said they are amazed how great they were to work with and the "no fee" or origination fee is unusual - most lenders charge something - not FFSI. I highly recommend using FFSI.
A note about YELP reviews - I know there are many false reviews out there - it has become a business - people are paid to either write false positives or submit false negatives for competitors. I think that might be the case here - they seem suspect. Check out BBB for FFSI - there are only 14 complaints and all resolved (as of April 2013), which is a good indicator that my experience is typical. I am a real customer. Just closed on our new home in Portland, OR!