
Testimonials
Video Testimonials: reviews from actual Reliance First Capital customers telling of their experience with our firm:
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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 April 21st, 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.
Paul R. - MA
I wanted to thank Tracy for her honesty and professionalism during our interaction with my application for mortgage refinancing. I found her to be very personable and knowledgeable and would recommend her highly to work with for any situation!
Art K. - SC
Super experience. Stephen was totally helpful and easy to understand it was a pleasure working with. I will use his service again if ever needed.
Marla T. - TN
Carol listened to my needs and provided me with a prompt response.
David T. - NC
James was a pleasure to work with. He was courteous and professional, and extremely helpful. I highly recommend working with James. No improvements needed/.
Sue K. - NY
Shant is an exceptional professional. I first noticed that he listened to what it was that I wanted. A rare quality in the financial world in my experience. He promptly returned calls and followed up by doing what he said he would do. I would, and will, refer people to him in the future. Shant kept me informed of everything that I was responsible for. The process was very smooth.
Tammi E. - MA
Fast, easy and efficient experience. Super easy, informative and fast. I worked with Shant and Carolyn at Reliance and they were both easy to work with and so helpful. Great communication and follow up. Everything was fast and easier than expected. I would highly recommend them. Everything was super easy working with Shant from the first conversation to the closing. I've probably had 4 to 5 mortgages over my lifetime and I feel most confident and have learned the most during this process. He made it easy.
David L. - TN
Could not ask for a better person to go through this process with than Joshua. Response time was great for us and kept us informed and sent documents needed quickly to close as fast we did.
Patricia B. - NY
First, I would like to thank Mike for an easy pleasant process with helping me with my refinance of my old mortgage. He's such a pleasant gentleman and I would have in my mind if any of my associates need a mortgage advisor. He would be the first person who’s name and phone number I’d give them...thank you Mike. He was very professional at all times if there were something a didn't understand he would take his time and explain it until I understood the hold process.
Rogena C. - OH
Been working with Brian on a house loan. He has been wonderful so far at explaining everything, so you don't get any surprises. He communicates, answering your questions via phone calls and emails daily. I would highly recommend Brian for anybody needing help navigating this process and industry if you are considering applying for a loan. He is helpful.
John C. - NY
Teresa Dowsett
Giselle F. - NC
I contacted Brian about 2 years ago, I gave him all of my information but I did not meet the requirements at that time, he took the time to go through all of my documents and wrote a plan to clean up my credit. I followed his plan step by step then I reached out to him in the beginning of March 2025, he knew exactly who I was, I felt so appreciated that he remembered me. He took a look at all of my documents again and he said that I was ready to move forward. Here I am today and this time it was successful. I just want to thank Mr. Berry for taking the time out to work with me. I APPRECIATE YOU. The response time is awesome. I never had to wait more than five minutes to get a reply from Brian or any of your staff that I dealt with. Thank you.
Michele S. - NY
Justin was fantastic through the entire process, even when things were taking much longer than they should have. He was positive, reliable, honest and courteous.
Erma C. - NC
It was nice to work with Regan once again. He is always courteous and eager to help me when I struggle to get the right information. He explains exactly what is needed so I can get the right information. We played "phone tag" on multiple occasions because I didn't always have my phone with me and in those times he left voice messages that explained what was needed or just to keep me up to date with how things were progressing. I never felt pressured or left hanging to figure things out myself. I really appreciate Regan for his kind manner. I am glad that Regan reached out to us regarding this refinance. I would not have considered it since we just recently refinanced with him (about 2 years ago). However, the advantages to this refinance are remarkable and will financially help my husband and I. It will also take a burden of worry from me as I am the one that is in charge of our finances. I now have some breathing room each month. Thank you so much!
Alisa W. - NC
We've just completed refinancing with Reliance First Capital. Working with Toi was really a pleasure. She was not only professional and accommodating throughout the process, but caring and patient as our family is being confronted with a very challenging set of circumstances. We highly recommend this company and most especially Toi.
Dane M. - NJ
The entire process was handled professionally and smoothly. All the participants were absolute great. Garrick and his team were great. Garrick was professional and punctual to the end. Great working with him.
Sean L. - NC
Teresa and her whole team are just wonderful people to work with. She treated me like I was a part of her own family. Teresa was very polite and honest. Very easy to talk to and work with throughout the entire process. Keep everything the same, you are wonderful.
Ken F. - NY
I highly recommend Steve and Paul but tbh the entire crew is fantastic they made the process of my debt consolidation mortgage easier then my original mortgage was. They keep you informed on every step and truly work to get you the best deal for YOU and your best interests it's real people helping real people better there lives, I’d give 100 stars if I could.
Delia M. - NY
Alexander was very kind, professional and informed me of everything that needed to be done. You could have not been any more affective and professional. Great business.
William G. - NC
Nicholas Eberwein was a great person to work with. Made the process fast and easy. Would recommend working with him.
Jonathan R. - NY
Excellent experience. Chris was wonderful to work with. He spent a lot of time with us reviewing different options and answering all of our questions. I can't believe how quickly we got our loan funded. Highly recommend!
Tim M. - CT
Kelly and I worked together earlier on in this month and I have to say that I am incredibly impressed and pleased with my experience with Reliance First and more importantly Kelly Sipp. Kelly was kind, efficient, knowledgeable and is super educated about this process and made this experience stress free. We will most definitely use Kelly again for any financing needs.
Connie K. - TN
Great experience. Working with Adam was great. I would do business with him again. He made sure my husband and I understood the whole process.
Owen J. - NC
Teresa was extremely responsive, always helpful, and made working through this process an easy task.
Lisa D. - GA
Everything was great. Cassandra was exceptional.
Michael T. - NC
Gwen was a good person to work with. The company was worth working with and Gwen was great and her assistant was great also. The process was easy.
Ben M. - NY
Great experience! So helpful and efficient. I would highly recommend Sonney and Reliance First Capital.
Joshua C. - OH
Incredible. Rachel was amazing. She helped me and my wife through every aspect of our home buying process. She was there every step of the way. Extremely knowledgeable and was able assist us on every question we had no matter the issue, big or small.
Laiza B. - NY
Rachel, thank you for being so wonderful and gracious throughout the process! I truly appreciate all your help securing my refinance loan and assisting me with any questions I had. It has been a pleasure working with you!
Ann L. - SC
Shant, Carolyn, and Chris were very helpful and quickly responded to any questions that we had regarding the entire process. If we had to do it again I would request this team!! They were all very kind, courteous and knowledgeable!!!
Henry B. - AL
Rose did an outstanding job from the beginning to the closing date. No complaints, just smiles.
Gary W. - NY
Justin really went above and beyond in answering all my questions and getting back to me quickly. He was very upfront and explained each step of the process. I think what impressed me most was how empathetic he was. He truly was a coach and mentor during the entire process. He is somebody I'm going to remember for a long time. I would highly recommend Reliance First Capital. Super positive experience. And they even came to my house to do the closing! These guys are a keeper.👍👍👍👍👍
Randy P. - NC
Everything in the process went smoothly and I am very excited to work with Victoria. She is very smart and knowledgeable of her job.
Russell and Kim F. - NC
Shatima Sharpe was friendly and professional in her job. Very prompt when we had questions. Got back to us quickly with answers and helped walk us through this process. I would recommend her and this company to anyone looking to refinance. BEST service ever, friendly, very prompt, professional and helpful. My Mortgage Analyst Shatima Sharpe is top notch!!!! I have told people about you and how you are 100% the BEST!!! Thanks for all your help!!
Marcia C. - SC
I have done a few refis with other companies and Brenda made this experience different from the others with her personal attention to the client. Very appreciated.
Bruce D. - MA
Very knowledgeable and organized. Got it done effortlessly. Donna delivered what she presented in a timely manner and it was very simple. I would recommend her to anyone needing to refinance. I was even able to close out of state at one of their other offices.
Antonio R. - PA
Dan did a great job! Thank you Dan! Daniel, my Mortgage Analyst at Reliance First Capital, is known for providing exceptional service, characterized by his professionalism, empathy, and ability to listen to customers’ needs to find the best loan options.
Jordan F. - NY
Garrick was a top-notch professional throughout the process. I'm speaking as someone who deals with patients and people all day.
Thomas H. - NC
Michael did a fantastic job.
Daniel K. - IN
I didn't make it easy for them, but they came through like champs. Tima was great to work with.
Jonathan R. - NY
Chris at Reliance First Capital was wonderful to work with. He spent a lot of time with us reviewing different options and answering all of our questions. I can't believe how quickly we got our loan funded. Highly recommend!
Gabriela B. - NY
Excellent customer service and knowledgeable Mortgage Analyst. Highly recommend Reliance First Capital. To say Brandon exceeded my expectations is an understatement. Brand understood our financial situation and seamlessly worked out a plan for us. Brandon is a true analyst. Besides Brandon being extremely knowledgeable, he was very likable and accommodating. Brandon is an essential asset to Reliance First Capital. I will definitely refer any interested party in working with Reliance, I will send them to Brandon.
Doug C. - GA
Adam was outstanding!! Adam was great to work with. He was very knowledgeable and helpful in keeping us informed of what he needed to keep the process flowing smoothly. Would highly recommend him.
Robert T. - NC
Belinda is the personification of good and proper customer relations. My wife and I spent over forty years each in a professional environment and we were extremely impressed with the skill sets of Mrs. DeWitt, we felt that her customers are very important to her and she is driven to provide appropriate financial solutions to improve their financial situation.
Decandria V. - AR
Carol was absolutely fantastic in helping us achieve financial goals and the mortgage process! Her communication, efficiency, and professionalism throughout the entire process was above and beyond and we are so thankful for her service. If you are looking for someone who is patient, knowledgeable and really wants to help their client/customer, then she is the perfect person.
Charles H. - NJ
A great experience. The process was nice and professional and they were very courteous to me and my wife. They also understood what we wanted and what we needed and gave us both...I just wanted to say thanks to Lance, he did a great job.
Katelyn J. - TN
Friendly and listens. Adam is a great energetic fun guy, who listens and hears what you have to say! He gave us everything we were looking for and more. He always communicated with us and kept us in the loop. Company is quick and professional. Great company!
Damon S. - FL
Brandon did everything right and professional. My wife and I decided to pull cash instead of a loan. The economy is such we felt this was the better way to go.
Chuck F. - GA
Shatima was very professional helpful. We are extremely grateful and very satisfied.
Theresa D. - AZ
Great experience and fastest closing ever! Adam was wonderful to work with during the whole process. He followed up continuously and responded to all questions in a timely manner. Adam is someone I look forward to working with in the future. I trusted Adam so much I shared his information with a close friend because I knew this person would be treated professionally.
Neil N. - NY
Unrivaled. Occasionally you work with a professional who sets a standard that becomes the benchmark on which all future transactions will be based. Jeff sets that very high benchmark. Recently my wife and I worked with Jeff on a very complicated and advantageous refinancing project that was tremendously beneficial to my wife and I as we prepare to send our youngest son off to college. We had previously worked with Jeff on a similar project a number of years ago and were so satisfied that we sought him out at Reliance a second time. Filtering through the complexities of sorting out the least relevant debt and structuring a financing package that met our needs by incorporating existing resources and equity required patience, diligence and straight talk. Jeff set a new standard by asking the right questions, providing well thought through analysis and developing reasonable, rational, and intelligent alternatives. His diligence and personal commitment to a clean, balanced beneficial solution was obvious from the get go. His availability to answer questions or to discuss issues was beyond our greatest expectations. We cannot recommend Jeff enough and do so after two very positive experiences with him. He does what he says he will do and does not back away from what might appear initially to be a too-complicated deal killer. Without hesitation, we recommend him with high marks! Jeff was simply excellent. Will refer others to Jeff without hesitation.
Jody C. - NC
This was the best experience I've ever had. I can't say enough about Brendan. He went beyond and above he was so helpful and made it very pleasant, even when I got stressed he made it easy. I can't say enough good things about him. It's been a great experience. Brendan has a wonderful man to deal with. Trust me, I speak highly of Reliance First Capital and Brendan, also everybody that worked with him to make it very pleasurable.
Michael W. - NY
Working with Shant and his team was incredible. Just as the title says, the whole process was fast, easy, and without headaches. I attribute my amazing experience to Shant. He is diligent, resourceful, experienced, incredibly smart, and most importantly a great person to work with. Shant took his time, going above and beyond, both in and out of the office to ensure every step of the process went smoothly. At no time did I feel alone through it all. Even when I was trying to dig up (what seemed to me to be "lost forever") documentation, Shant brainstormed out of the box and worked tirelessly to help me with the resources I needed. Shant and his team are amazing. I am not only now a loyal client of his but also gained a friend in the process. Thank you.
Rhonda S. - TN
Alyssa was outstanding! She listened and understood what I wanted and needed to do. She kept in tough throughout the process. She explained how things would go from beginning to end. She answered all of my questions. I would absolutely recommend Alyssa. In fact, I have already referred her to family and friends.
Joy R. - FL
Terrific representative. It was a pleasure working with Brandon. He was able to answer any questions quickly. Brandon had a great personality. The loan process was quick and easy. I will definitely give his name and number to anyone that is looking for a loan or mortgage. Very satisfied. It was a quick and easy experience working with this company. I will give the name to anyone that is looking to get a loan or a mortgage. Very satisfied.
Wilfrid M. - FL
I had an excellent experience with Nicholas. In my years dealing real estate agents, I had my best experience with Nicholas. He kept me informed all the way to the end. He made it easy for me and took away all the frustration that comes with acquiring a mortgage. Thank you Nick, without hesitation I will recommend your service to my friends and family.
Fausto P. - NJ
Chad has exceeded my expectations. He is amazing not just for his professionalism, but his kindness and human touch. Also always ready to listen and whatever he promised he delivered. A very valuable employee in your team.
Jose O. - NY
Joseph answered all my questions and concerns and issues. I was very satisfied with his service. Joseph and his assistants did an outstanding job. I was very satisfied with the way Joe Novak and his assistant handled my paperwork and answered all my questions in a timely manner. I will be referring friend and family for his assistance in refinancing their mortgages. I will be contacting Joe with my referrals at a later date. He was pleasant to speak with and knowledgeable.
Rachel K. - NY
Garrick was exceptional from the very first time I spoke with him. He explained every step throughout the process and kept me informed daily. Besides being professional and a subject matter expert, he is very personable and friendly. I felt like I was speaking to someone I had known for a very long time. I would not hesitate to refer people to Garrick and I plan on keeping his contact information on hand in case I need assistance in the future. Garrick, Thank you again for everything.
Theresa C. - VA
Richard took the time to explain everything to me and my husband. And when I called him he always called me back soon! Very nice person to talk with!
Rosemarie L. - CT
Exceptional. Although we had a few bumps in the road it was an excellent experience to work with Shant and his team. He was driven, determined and got everything completed and finished. His work ethic is exceptional. He communicated to me on a regular basis. The overall process was easy and very thorough. Look forward to our next investment together. Thank you for all your countless hours and effort from you and your team.
Carlos G. - PA
I just want to let you know Michael was helpful. Everything was excellent.
Antonio T. - OH
Yana was great to work with!!
Daryl B. - NJ
It was a great experience. The process was easy, Nick was easy to work with. He kept us moving with the process and was very patient with us. Nicholas and Sadia were exceptional.
Lynn S. - CT
The entire team in which we worked with, especially Matthew.
Desiree K. - NC
I want to say that my husband and I were very happy to work with Reliance First Capital. From the day my husband met with Nicholas until the day we closed, everything went very smoothly. We were pleased to work with Nicholas and his team. He was patient, friendly and knowledgeable. He listened and answered all the questions we have. The closing was done in the comfort of our home through a notary. That was a big plus. I would definitely recommend Reliance First Capital, especially Nicholas and his team.
Ts'Diquah V. - NY
Working with Toi has made this experience more than worth it!! She is literally the G.O.A.T!!! She gave the best advice and always looked out for our best interest. She was very personable and caring!! Reliance First Capital definitely has the best broker and team in the business!! We have nothing but good things to say about them and we will use them for any and all future purchases!! Toi really became a friend to us and we are forever grateful!! We can't thank you and the team enough for making this happen!! Toi was amazing, give her a raise!!
Teralyn W. - PA
Isabella was patient, professional, courteous, and a pleasure to talk and work with. We were very satisfied. Can't think of anyone at this time. But if ever we know or hear of anyone, we will definitely give them your name.
Pastor Orlando H. - TN
It was a blessed experience. I truly enjoyed working with you/ Adam, Lindsay and Ashley. They were very professional, knowledgeable, informative and courteous. Adam prepared me and stayed w/ me through the whole process. I have never been a part of a process that was so thorough and yet pleasant at the same time. He truly is an asset to this company and I pray that he has much success in the near future. Thank Adam hanging in there with me. Thank you Lindsay for ensuring all my paperwork was correct. Thank you Ashley for ensuring the whole process ran smoothly. Blessing to you all.
Vondale T. - NC
I was going to wait until July to refinance but you have an amazing sales team that talked me into proceeding now.
Anthony D. - SC
Everything went well, a couple of bumps, but not too bad. Great job by everyone involved. Can't think of anyone at the moment, but if I meet anyone looking I will give them your information. Cody, Thomas, Lynda, and all other team members that had a hand in making this possible, thank you.
Cynthia S. - IN
Daniel was great!! He kept me well informed about the process.
Kristin L. - SC
Tori was amazing! She was polite, always got back to me quickly, and found us a loan that was exactly what we needed for purposes of paying off debt and making some home repairs. I couldn’t say better things about her!
Venus S. - VA
Yana was incredibly efficient, reliable and really knew how to help me prepare for the process. She was timely and always called me back no matter when I was calling. Always had an answer to my questions and was able to guide her team on how best to help me. She absolutely helped calm me down when I became overwhelmed. so grateful to have found her. I would recommend her again in a heartbeat. She is helping so many people. It's wonderful. Marina was able to help make sense of my taxes when I was so confused. She was fast, courteous and knowledgeable and I absolutely will use her as my accountant going forward in the future. Jennifer was very patient with me and the end of a very long process qualifying for the loan. She helped with all the small details needed and was able to coordinate the information very effectively and when I had questions she was able to get the answers almost immediately. I wouldn't hesitate to recommend any of these wonderful women.
Lee D. - NY
Shant is the most knowledgeable loan officer I've had the pleasure of working with, hands down! He was always just a phone call away to answer my questions and was immensely helpful through the whole loan process! I'm thankful you have such a knowledgeable and helpful loan processor as Shant. Thank you.
Richard L. - TN
Working with Carol on my refinance of my home was fantastic. She did all the work on refinancing my house. My overall cost was greatly reduced and got me extra cash. As a retired chemical engineer, I now can live my life in my home, have extra cash to enjoy myself. I worked 45 years, 70 hours a week. Now I can enjoy my retirement in comfort.
Shelley C. - PA
I have never worked with any financial person who was as professional and caring as Andrew was. My loan process had a number of glitches and stumbling blocks but he was there the entire time, keeping well informed. He was always available for my questions and provided answers timely, I have already recommended him to several friends who were considering a loan. It was great! Working with this company was wonderful!
Helen B. - NY
We had a pretty good experience with Lance. Our process had a few bumpy roads, but it always got worked out. He always assured us that things were going well.
Jane L. - SC
We love Sonney! Anytime that we have a financial question or need extra cash from our mortgage, we call Sonney. She is like a part of our family!
Latasha T. - NY
I have been dealing with Reliance for months and not one time they gave up on me. I give 5 stars to Alex Rizzo. A true asset to the company. We were in constant communication throughout the entire process. Definitely would recommend 👌
Sean M. - NY
It was a great experience. Nick was a great person to work with. I really value the sense of urgency to help us get to where we needed to be. He was very professional and easy to talk to. I would recommend this company and especially Nick to anyone looking to refinance with a professional.
Debbie N. - NY
Chad is great! He is very thorough and professional! I’d recommend this company anytime! Reliance First Capital treated us with respect, was very professional, and had all our questions answered!
Devvon B. - PA
Everything was great! My Mortgage Analyst was Daniel, he listened to my questions and tactfully answered and explained them to me. He also took time to check on me personally throughout the Loan process to see how things were going.