
Video Testimonials: reviews from actual Reliance First Capital customers telling of their experience with our firm:
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Testimonials
Written Testimonials: reviews from actual Reliance First Capital customers who sent in letters, emails, posted online reviews, and/or completed Funded Loan surveys. Surveys below are listed in chronological order (newest first) as of July 3rd, 2025 (unless otherwise noted). To read more testimonials from our customers click here. Compensation was not paid in exchange for any testimonial on this site.

Erick and Betty P. thank
Austin for his hard work
Betty P., PA
My husband and I are so grateful that we had the pleasure to work with Austin, I have never dealt with a professional person as he was to us. He was so pleasant , guided us through every process, that we needed to complete before the loan would go through, and then get the appraisal done, he was there for every step, we have never had a person like Austin to help us like he did, he worked so hard on our account, even if we had any question after closing during the week, and on weekends he was there, amazing personality. We just wanted to voice our appreciation for Austin Clayton, and to let you all know, what kind of a Mortgage Analyst you have working for you.. My husband and I would defiantly recommend Austin and Reliance First Capital. Again, thank you Austin, you’re the best…

Donna Titone and Tammy Kaur showcase flowers their customer
sent in appreciation for their efforts
Donald S., MA
I would like to express my appreciation for working with Donna Titone as my primary point of contact through my recent refinancing with Reliance First Capital. Donna is a consummate professional who was of great assistance throughout the process. She possesses what I call real-time communications skills and dedication, always available, on-point and very responsive. As with most refinancing processes, there were myriad underwriting demands and information corrections and research items along the way. Despite any administrative challenges, Donna was always straight forward, knowledgeable and focused on a successful outcome. When I became frustrated with multiple underwriting requests and near ready to pull the plug, she was encouraging and assisted in keeping things on track. I would recommend her without reservation to others, and am confident she will build a strong career with your or any organization.

Ritu Sethi and a special thank you sent to her by Yveline in appreciation
Yveline L., MD
Ritu is beyond "EXCEPTIONAL" from the start to finish she exhibits an unprecedented professionalism. She went above and beyond the call of duty. "Your attitude will determine your altitude". She has the A T T I T U D E and there is no scale to measure that. Well done! Keep up the good work.

Dave R. and family in front
of their new home.
Dave R., OH
Thank you @reliancefirstcapital and @azzamhomes for helping us. God blessed us with a great home and opportunity. Carlton and Michelle provided personal care. They both took ownership in their duties. It was a pleasure working with them both. Keep up the great work. Communication is vital.
Chris and Lynne M. - GA
Shatima is absolutely WONDERFUL!! What a great lady to have for my re-fi with reliance, a real pleasure to work with. She has gone the extra mile and we cannot be more appreciative, Reliance First Capital better hang on to this lady! Thank you so much Shatima for all you have done for us.
Stephanie P. - FL
Good company to work with Victoria, very helpful, very nice lady.
Karen H. - OH
William helped us through the process from beginning to end and was always available to answer questions. Amazed at the speed of the process and helpfulness of all involved. Thanks to all. All aspects of the process went smoothly.
Kimmy K. - MD
Everyone I worked with [provided exceptional service], especially Paul Hytla
Michael L. - NY
Perfect in all respects. Working with Lance was a pleasure. He is competent, professional and good natured. He handled all my specific needs perfectly. I have already recommended him to family. Couldn't have asked for a better experience! 5 thumbs up.
Jack W. - TN
Oula is awesome at her job. Out of the many times I refinanced my home, this was the most enjoyable. All my expectations were exceeded. Oula was just amazing. She provided excellent service from beginning to end and was always available to answer all questions.
Ramon V. - NY
Working with Stephen Mark Sasso and team was a great experience. Everyone provided excellent customer service, every step of the way. I highly recommend their services. Will be using them in the near future.
Eddie B. - PA
Alicia was so patient with me throughout the entire process.
Christopher M. - NY
Great company to work with. Donna and her team throughout the process were on top of all situations that occurred and we were able to work through them quickly the loan process only took about a week and a half I thank her and her team to help me through this process and I would highly recommend Donna and her team.
William M. - PA
Brayland went above and beyond to help me through the process and was very patient and attentive as well as professional and friendly.
Matthew C. - TN
Teresa was very knowledgeable and helpful. I currently do not know of anything that could have been done better. She was very knowledgeable and helpful.
John B. - PA
It was definitely a great experience. Andrew made the process very simple and everything just seem to flow. From the very beginning Andrew called to check in everyday I’ve been through this process several times in the past and this experience was the best.
Keith S. - NY
I was really pleased with the way Christine helped me and how easy it was to talk to her about my finances. I would refer Reliance First Capital anyone in need of a mortgage.
Lisa C. - PA
Alicia and Michelle were absolutely amazing. I never had to wait for a call back and anytime I had questions they were answered same day. most times they stayed on the phone with me while I figured things out. I recommend them to anyone good or bad credit. I am amazed at their skill level and their compassion is beyond compare.
Yolanda D. - NY
Joseph and the whole team were great.
Susan P. - KY
Teresa first reached out to us by voicemail, followed by text message and email introducing herself with all of her contact information. It was nice to hear an actual human voice instead of a recorded message. I called her back to see what our options were to refinance our home to pay off a HELOC loan that had an extremely high adjustable rate. We really did not want to lose our low interest rate on our first mortgage but after Teresa explained all the options available to us and the differences in monthly payments, 20 year versus 30-year terms, interest rates, etc. we decided to go with a conventional refi 20-year mortgage. She was very knowledgeable in all programs and explained everything in layman terms. She was very personable and did not make us feel as though we were just another loan to close for her monthly goals. We feel we made a connection to last a lifetime. I will refer my children, friends and family to her in the future, and we will always reach out to her anytime we have any mortgage needs. Our first mortgage was with a big-name company that made us feel that we did not have any other options but to pay lots of credit card debt off and get our credit score higher before they would even consider helping us. It was only when they saw we were working with someone else that they reached out and tried everything under the sun to keep us with them. At that point it was too late. Teresa won us over and it made more sense for our situation. I am beyond thankful for her. She is a shining representative for your company.
Steven M. - PA
It was a good experience. Gave me the best experience I've ever had refinance "amazing service" they work with you. Christopher was very professional and made me feel like family.
Sandra L. - MI
Bradley is very polite and professional and thorough and goes above and beyond to meet his customer's requests and needs for their loan. I will express thru conversations on my experience and very much appreciated work that Bradley completed for the loan that I needed to make life much better financially and peace in mind set. Truly a blessing and very much appreciated. Thank so very much. There are not any suggestions for improvement. Bradley is a definite asset to Reliance First Capital. Would not change anything. Bradley is very pleasant and helpful and patient and professional and knowledgeable. Bradley worked very hard to make the loan possible and goes above and beyond to make sure that I was able to get the loan I need. Always had my interest at heart and made sure I understood every step of the process. Always kept me informed of the process and in contact with me throughout the process. Very grateful and blessed to have Bradley as my agent. Bradley is a caring, thoughtful, and thorough person. Bradley is very much an asset to Reliance First Capital. Thank you for all you did for me. I will recommend you to others. God bless you always!
James C. - VA
Ali did a great job with my loan!! He spent time to make sure I understand the process! I believe he went beyond on his job.
Tom M. - GA
Excellent hard-working people. Especially Joel. Awesome experience. A++++++++++++++++
Michael G. - NY
Give Michael a raise. He's the most awesome representative I've ever dealt with in any business. He's fantastic. About six months ago. I tried for a loan it didn't go through. He contacted me to try again. I said I would try later and he got it done. He's awesome.
Marilyn J. - MD
Sonny was so knowledgeable, courteous, and patient with the dozens of questions I asked no matter the time of day or weekend she was always available. I'd not had a mortgage in decades and was quite anxious. Sonny was great! Also, the lady who did the closing (Lori was also very thorough and patient with my questions).
Donald B. - NC
Belinda was amazing and was very nice and made me feel heard and truly made me feel she was working for me I'll be honest I was working with 2 companies one who was cheaper than you guys but she got close to their offer and is a big reason I went with y'all she's awesome and should be recognized The closer did a really good job Mathew he went above and beyond to help close the deal and help me navigate my issues.
David and Renee Y. - VA
We highly recommend Rachael to anyone considering their mortgage needs. She is a true expert in her field, and her personable nature makes a typically complex process feel manageable and even enjoyable. Thank you, Rachael, for a fantastic experience and helping us secure a great new mortgage! We recently had the pleasure of working with Rachel Andrew for the refinancing of our existing mortgage loan, and we cannot speak highly enough of the experience. From start to finish, Rachael was an absolute professional, demonstrating exceptional knowledge, responsiveness, and truly friendly approach that made the entire process remarkably smooth and stress-free.
Youanesica M. - NC
I had the pleasure of working with Shatima. When I first started my process it was becoming overwhelming but she made that process stress free. She took out so much of her time making sure that it was the lease of my worries, her saying was “Don’t worry I got this”. Thank you so much for helping me, I wasn’t just a client, but also a friend. And I will recommend her to anyone I know that needs help. FABULOUS JOB 🌹
Turner and Karen W. - NC
Shatima did an exceptional job at holding our hand during the entire process. We felt confident that we knew everything she knew. If she didn't know the answer to a question, she would surely check with Ashley or Ed and get back with us immediately. I only wish I had waited until the due date to pay my mortgage instead of paying early, I would have saved even more money. However, we are still pleased with the outcome. Thanks to Tima!!! If you ever need to talk with someone about your mortgage financial needs or concerns please take my word for it. There is NOBODY like SHATIMA (AKA TIMA) at RELIANCE FIRST CAPITAL. Shatima is straight up and straight forward about helping you get what you need quickly, professionally and in a very friendly manner. I will surely do business with her over and over again if necessary. THANK YOU TIMA for being my mortgage "go to" person. Thank you Reliance First Capital for having Shatima Sharpe on your team. Honestly and Sincerely, Turner and Karen W.
Jeremie J. - NY
Top-notch service from start to finish with Lance! I recently went through a refinance process and had the pleasure of working with Lance. From start to finish, Lance was professional, courteous, and incredibly knowledgeable. His customer service was top-notch—he was always available to answer any questions I had, no matter how big or small.
Suzette R. - NY
It was a great experience. Lance was awesome in getting me and my partner through this experience, very patient we had some challenges but he never gave up on us. He also taught us a lot going forward. I will definitely recommend him to my friends and family. Job well done 👍.
Barbara M. - PA
Paul was an absolute pleasure to work with. He was great at keeping me updated during the refinancing process. He is very quick to respond to any questions I had and I truly felt he had my best interests at heart. I would not hesitate to call him with any future mortgage needs.
Mitzi H. - NC
Tracey has gone above and beyond in this entire process. I would gladly recommend her with complete confidence in her honesty, professionalism, and ability to handle any home loan. Plus, she is fun to talk to and has the patience of a saint.
Benjamin S. - NC
We had a great experience. Everything went very smoothly with both Matt and Carolyn. They make an awesome team. I would definitely recommend them to family and friends.
Chuck C. - NC
I would like to thank nick and all the staff for all the help and support they gave me for the refinance of my home, from the first phone call to the day he set the closing date, he was there answering all my questions and kept me up to date with all the details, he saved me about 1100.00 a month, nick and his team are great. I give them 10 stars, you guys are great, I would highly recommend these guys, Nick, Roberta. Amanda if you want a great experience please call this team
Jeanne Q. - NY
What a positive experience. Working with Rachel was great in every way from the first time we spoke. She is very knowledgeable and organized. She did everything possible to make the experience as simple as possible. Her communication skills are outstanding and she kept me informed at all times. I will make sure to recommend her and her company whenever I have the opportunity. Rachel, Yasamin and Lynn made a great team working tirelessly to make the process seem relatively effortless.
Diane P. - GA
Zach kept me informed of what was going on and anything that I needed to do. He was always very courteous and professional. If he said he would call at a certain time he always would.
Myriam N. - FL
Well... I needed a "business loan" and I thought about the wonderful experience I had with Nick Chiapperini at Reliance First Capital and the whole process in general. And what did I do? I went with Nick and his company for a second time, fully confident that this experience was going to be as easy as the first one... No!!! It was much easier and in no time I did a "closing" from the comfort of my home. There was no one day that Nick did not call me to tell me, step by step, everything that was happening. I am very relieved because I know how much work goes into filling papers, submitting information, etc. etc. I have to thank Nick for helping me to go through this journey for a second time. He was professional, compassionate, helpful and a total "go and get it". I have no qualms in recommending him for any financial needs people might have. I assure you will not be disappointed. Thank you again Nick from the bottom of my heart.
Zafar and Liliya Z. - OH
⭐️⭐️⭐️⭐️⭐️ ⭐️⭐️⭐️⭐️⭐️ Working with Janna Nersesov has been an absolute blessing! From the very first conversation to the final closing day, Janna demonstrated professionalism, patience, and genuine care for our needs. She made what could have been a stressful experience feel smooth, clear, and even enjoyable. Janna always took the time to explain every detail, answered all our questions with kindness, and guided us like a trusted friend. Her dedication and passion truly set her apart — she made us feel like we were her top priority every step of the way. We’re beyond grateful for her support and highly recommend her to anyone looking to buy, refinance, or simply get honest guidance in this journey. Thank you, Janna — your work speaks for itself, and your heart shines through it. We will proudly refer you to all our family and friends!
Michael N. - NC
Great job, thank you.
Anthony B. - AR
The best experience Reliance First Capital - Deborah. The entire process was easy and hassle-free. Deborah was professional and eased my stress. She was able to answer any questions I had and walked me through several options. Deborah was able to show me the best plan that worked for my family and was with me every step of the way. Working with First Reliance helped me accomplish all of my financial goals.
Kevin C. - MA
Jim was very patient, understanding, and extremely helpful with our refinancing. Professional and he keeps his commitment when he tells you he will call you. We will definitely keep him in mind for referrals.
Ruby G. - NC
Gianni was very helpful and supportive throughout the process. I highly recommend him and he does great work in his role and clearly supports his clients.
Deena S. - GA
Josh as extremely helpful and answered all my questions. Josh kept in contact with us during the loan process. He called daily and texted which is really helpful when working. I would highly recommend. The process was easy and Josh explained everything.
Michael S. - NY
Brandon was professional and answered any and all questions we had about the refinance. You are fortunate to have such an employee. Brandon was the difference, removing all fears about the process.
Kim J. - TN
Reliance First Capital has excellent customer service. Karina was there every step of the way explaining the process to me. I would highly recommend her to family or friends for their mortgage needs.
Glen T. - NC
Victoria was excellent in providing any necessary information during the loan process. Ed was also excellent in providing my wife with the information she was concerned about. I appreciate the efforts of these two people in making the process work on many levels. They are an asset to your organization. Thank you to them for my concerns and financial help.
Alla T. - IL
Yana, Marta, and Marta - best of the best, helped me with my mortgage, went above and beyond, thank you!
Lauren K. - IN
Brian was very informative and went above and Beyond anything I needed. Also, Thomas Berry worked with us very well and went above and beyond. I can't forget Linda the loan processor was a great person to work with! I will be referring anyone I can to Reliance First Capital.
Elliott W. - NC
Michael was truly amazing, patient and caring through the whole process!! Professional, reliable, patient and positive!!!
Thomas D. - NY
Ritu and Sadia - very professional and courteous.
Richard H. - OH
I would highly recommend Rachel to anyone purchasing a new home. She was friendly and easy to work with. She followed up with me on my terms (my job requires me to be on the phones all day long and text is usually the best way to reach me and Rachel did that) and was always ready to address any concerns I would have. She made the home purchasing process hassle and stress free.
David S. - FL
Vincent was courteous, professional and very knowledgeable.
Alfred M. - PA
Alicia did an outstanding job for me. Very grateful to have had her working for me. Honestly, I can’t think of any way you could have done better then you already did. Thank you for all of your help during this process. You all are amazing. Simply the best.
Elizabeth P. - GA
Martin, Jennifer, and a couple of people I can't remember, all involved were excellent.
Christy D. - GA
It was a good experience. Adam helped me with the entire process of refinancing my home. There were some hiccups, but he walked me through everything so thoroughly. I would recommend Adam to anyone who is looking to purchase or refinance a home.
Linda D. - FL
I had a positive experience with Reliance Capital, more specifically, Victoria Reilly. She was communicative every step of the way - which is incredibly important to me. The process of refinancing was quick and painless. Victoria presented several options of how I could refinance my home that would best suit my needs and budget. Victoria was patient with all my questions and concerns. She addressed each one professionally, with detail in layman’s understanding, and always found the time to speak with me. Victoria is professional and dedicated to helping her clients. I highly recommend her for assisting you with refinancing or home equity loans.
Suzette N. - NY
Nicholas is a wonderful person he listened to me and gave me his unwavering attention until the process was finished.
Gulgunai B. - OH
Great job to Janna, she helped us with purchasing a house, she was so patient and nice. That you.
David C. - CT
The best customer service. I just wanted to say that Lance worked very hard for my family. Given some of the obstacles that we all faced, Lance came through for my family. He is very professional and polite, and we had a lot of good laughs through this process. I will recommend anyone I know that needs help with anything that Lance can help them with.
Coye W. - NC
Thomas worked tirelessly to move loan forward above and beyond.
Sharon S. - NC
TYLER WAS WONDERFUL. He explained everything to me. He told me what I had to accomplish the loan. TYLER YOU ARE PART OF MY FAMILY. Thank you again.
Michael B. - PA
Outstanding performance. More than pleased with process. 1st time buyer and actually had fun. Outstanding performance!!
Rickey B. - ME
Ritu always got back to me immediately. She was very professional, but warm and caring at the same time. I would highly recommend her and her skills.
Amina P. - OH
I had the absolute pleasure of working with Janna Nersesov and I cannot recommend them highly enough! From start to finish, they made the mortgage process smooth, clear, and stress-free. They were incredibly knowledgeable, patient, and always quick to respond to my questions—no matter how small.
Chris M. - NC
First of all, I wanted to wish you an early 4th of July. I Cc'd your manager, Amy, on this email to let you both know how pleased I was with your help Wendi. You went above and beyond with my new mortgage at a lower rate years ago. You and I probably had 20 conversations on the phone (since I am technologically challenged). Amy, she was stellar. I cannot put enough accolades on paper to let you know how exceptional her customer service was with me in the new mortgage. If I ever decide to refinance, not only will I use Reliance, but I will ask personally ask for Wendi. God blessed me when he put her in my path for this mortgage. Thank you both and have a blessed day.