Video Testimonials: reviews from actual Reliance First Capital customers telling of their experience with our firm:

Begin the

easy online

process today


You can trust your 
Reliance First Capital
mortgage analyst because they've been put through rigorous testing and background checks by the Federal Government, State Governments and by our organization. Also, every one of our mortgage analysts are registered with the National Mortgage Licensing System (NMLS).
In addition, any information collected by our mortgage analysts are entered into and kept in our secure password-protected proprietary loan origination system, so you can be sure your information is safe.
Finally, you can verify our company by visiting:
HUD:  click here
Company Web Site:
Licenses or 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 March 13th, 2020 (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 Clayton, 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…

October 2017

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.

December 2017

Donna Titone and Tammy Kaur showcase flowers their customer
sent in appreciation for their efforts

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.

February 2019

Ritu Sethi and a special thank you sent to her by Yveline in appreciation

Deborah G. - IN

Great service! Alicia was very knowledgeable and quick to respond with any concerns. Transaction was smooth and quick! Will recommend to friends and family!




Deanna V. - MA

We refinanced our mortgage and worked with Amanda Ida Carlson. She set my mind at ease through the entire process. We had some major time constraints and Amanda made it all happen very quickly. She helped us so much by pushing along the people that she deals with and keeping us updated every step of the way. Amanda is one of the nicest people that I've ever dealt with and Reliance First Capital is VERY lucky to have her on their team!! Thanks Amanda for everything you did for us!!!




Deb B. - TX

Recently I had the privilege of reaching out to Joseph for a potential refi. I can't say enough to compliment his professional service, knowledge and efficiency with my specific portfolio loan needs. Just wanted you to know what an asset he is to your team at RFC and I look forward to doing future business with him. Joseph certainly does RFC proud!




Kimberly M. - PA

Brandon was very informative and helpful.




Kelly R. - FL

Very good experience. The entire experience was very smooth and quick. I would highly recommend Brandon and the Reliance First Capital team... Brandon was very helpful and always easy to get in touch with all my questions..... again thanks for all your help...




Drucillia W. - PA

Very knowledgeable, will share my experience. The whole process was easy and understanding will share with friends and family satisfied and couldn't be more happy.




Kim M. - PA

Saved us a ton and very professional! Working with Brandon was an incredible experience! He saved my Husband and I thousands of dollars, which was much needed during this time! Brandon was always available when we would call/text/email him, and got our loan done in less than a month. He was very upfront and transparent about everything, and I would HIGHLY recommend working with him in the future. Thanks Brandon!




Carol M. - AL

Brian answered all my crazy questions.




Sheila N. - PA

Bridget never gave up when there were obstacles to my refi approval. She is both a knowledgeable and personable asset to the company. I didn't get everything I wanted but I am now in a better financial position than before closing. Thanks.




Jeffrey D. - MD

Bridget Prenatt could not have done a better job. She is extremely knowledgeable and demonstrates professionalism throughout the process. She availed herself to us literally 24 hours a day. Follow up was timely and consistent. She was also able to provide direction for our daughter in North Carolina in dealing with her first purchase of a home. She talked her through the process and then arranged for a Reliance First Capital representative from Charlotte to contact her. Our daughter will soon be closing on her now home thanks to Bridget. Thanks, great job!




Linda S. - MD

Excellence and Integrity. Bridget - smart, responsive, high integrity, caring, knowledgeable. An excellent mortgage lender!!!!




Gerard T. - NY

Great experience and painless. Being tech challenged as knowing how to send paperwork, Bridget, was not, she was very knowledgable, calm, patient and available for questions, explained paperwork she sent, so I understood what each was , and everything was done fast, and very timely.




Floyd H. - NC

We had a couple issues with our loan processing, but Bryan stayed on top of every detail and really pushed to make the loan close on time. I would definitely recommend him to friends looking to refinance if they asked!




Thomas g. - GA

Roberta and Caleb both walked me throughout the loan process. Communication with them was so helpful and friendly, they seemed like family. I will refer any one I see needing your service, and tell them how great my experience was.




Rochelle J. - OH

Carol was so very wonderful she made me have confidence in my stuff he's a very good worker. Everyone that I talked to was very nice. Thank everyone at Reliance First Capital, everyone was helpful, thank you so much, y'all made me happy.




Carlos R. - PA

It was great and perfect timing that Dan Talbert reached out to me to refinance at a lower interest rate.




Jacquelyn F. - NC

David helped me every step of the way. He was very professional and yet he made me feel as if I had known him forever. He is without a doubt an asset to your company. I feel as if I have a new friend in David. He helped me get through some rough times during this process and I would recommend him and your company to anyone who is looking for this type of financial help.




Katherine R. - SC

Dawn was outstanding to work with throughout the process, and I would happily recommend Dawn to friends or family should they have financing needs!




Bill S. - NY

An excellent experience. Donna provided the best and easiest experience this Air Force veteran ever had for me and my family. Her knowledge experience and professionalism really made working with her a wonderful experience.




Christina S. - NY

Excellent! Excellent! Excellent! Donna was an absolute pleasure to work with. She was referred by a friend and am I ever so glad to have followed up! She was attentive, knowledgable and super-efficient. She was always prompt with her responses and even allowing us to close sooner than anticipated. Thank you so much Donna! Excellent service and pleasurable to work with!!!




Lorrie P. - NY

True Customer Service! I want to thank, Donna, for all of her time and effort to help me refinance my mortgage. This is the second time Donna has helped me with my finances. Thank you so much for going the extra mile for me.




Eugene D. - IN

Dylan provided dedicated effort to work through our financial challenges and locate a loan package to help accomplish our refinance goals when other lenders did not.




Fidel D. - NY

It was stress free!! Everything went very smooth, Eric Barreau was on top of things, kept me in the loop the whole time. The best was it was only four weeks from start to closing!!!!




Fidel D. - NY

Eric kept me updated throughout the whole process.




David B. - OH

Erica was very helpful in understanding the process of refinancing.




Robert R. - NJ

Gary kept going back to the drawing board until we reached a happy medium on interest rate and cash at closing.




Barry W. - PA

Genna, just the best experience, honest and knowledgeable.




Scott O. - OH

Gino was thorough, courteous as dedicated to making the many details in the loan process be handled as smoothly as possible. Gino always responded quickly to questions and went above and beyond in terms of being accessible to us. He even gave us his personal cell phone. Gino is an excellent ambassador for Reliance First Capital and exemplifies the meaning of customer service. Well I can’t remember the name of the lady who came out to our house to do the closing, she was also excellent. She was very organized and punctual and efficiently covered all the documents that had to be signed. She went out of her way to accommodate our schedule and met with us on short notice.




John B. - KS

Jaclyn keep me updated through the months of working with various different and sometimes difficult persons on my end. Overall I am very satisfied with Reliance First Capital. The process was involved and required a lot of hoops but I believe Jaclyn did everything she could to keep it moving forward. The rest of the team was good as well. Thank you.




Nicholas C. - NY

Jim was more than exceptional. He was helpful throughout the entire process. Jim was not just a company rep-he is a friend who has provided insight and wisdom regarding this process anytime I called-he answered. Any question I asked-he answered anything I needed as far as advice-he provided. Jim and I have become friends and I feel confident that if needed I can ask and he will answer. This process was easy and smooth.




Linda G. - NY

James was knowledgeable and cared about my needs. It was a pleasure working with everyone involved through the whole process. Thank you!




Suzanne C. - CT

James was outstanding,




Ellen F. - VA

Jamie Fisher exceptional service, she was my loan refinance contact.




Thomas M. - OH

Kayla kept us informed about each step of the process.




Glenn Y. - PA

Kelly worked with me though the whole process.




Tad D. - LA

Refinancing with Reliance First Capital and Kimberly Rutherford was amazing throughout my entire Mortgage process. She quickly responded to all of my questions and made the entire process go smoothly. She was kind, smart and considerate of what generally worked best for me. I highly recommend Reliance First Capital and Kimberly Rutherford. I wish Kimberly could train other companies on how to treat their customers. 5 stars!




Charles L. - SC

Kyle was very professional. He was really involved from day one with this loan and determined to satisfy my needs. He communicated with me daily and kept me well informed every step of the way. I feel as if we had established a relationship to the point that I would have trusted him to make decisions for me regarding this process. I would like to thank your company and Kyle for a well-groomed process. Thank you all!!




Jeanne D. - LA

Kyle, Lynn and Bethany were very professional and did a wonderful job. They were great to work with.




Greta W. - NY

Working with Lance was such a pleasure. My situation was very difficult. He helped me when no one else could. I achieved my goals. He really cares about you as a person, not just a client.




Jean S. - CT

It was a great experience. I had a great experience working with [Lance]. He is always be there for any of my questions. He gave me so many options to contact him. He make me feel that he is really there to help me. Thank you so much.




Michael H. - NY

Best mortgage experience ever! Lance Kirshner made my refinance so simple and painless that I am still in awe! Any worries I had were immediately dispelled by his knowledge and understanding in this field as well as his seemingly charismatic nature. I have absolutely no choice but to give Lance my highest recommendation to everyone, and I look forward to working with him again in the future.




Frank T. - NY

Professionalism and client concern was evident throughout the process. My tasks were made so much easier because I was kept constantly informed of the progress being made to complete the documents.




Dawn B. - NY

It was an awesome experience! My experience with Lance was the best refinance experience I ever had. I have refinanced my mortgage many times before but never had anyone as professional or dedicated. He takes pride in his work and is very knowledgeable in his field. He was hands on, always kept me informed and the process moving forward. He was very truthful when presenting me with all the numbers and when I got to the closing table there were no surprises. He made what was usually a daunting experience very pleasant. I would absolutely recommend him to many of my friends, colleagues and clients.




Gary V. - NJ

Outstanding service.




Gary V. - NJ

Great experience. Marissa Longo was truly outstanding in handling the refinance of my mortgage. Her patience and understanding was absolutely above and beyond expectation, I could not be happier with the respect and understanding she treated me with. Thank you.




Esperanza B. - CT

Working with Brandon was a really good experience, he was very professional and knowledgeable, he has so much patience and never lost control of himself, he was very polite and I was available to rich him by phone and emails every time I need him .He kept me informed throughout the entire process I would highly recommend him to anyone who needs help refinancing .Brandon thank you so much for your help God blessed you.




Geri B. - NY

Our mortgage experience with Mary Sozomenu and Reliance First Capital was surprisingly easy. Mary was friendly, knowledgeable, and very helpful while at the same time maintaining a professionalism that kept the process on track and proceed on a rapid pace. Thank you Mary!




Iris W. - DE

The process was supportive, accelerated and appreciative. Everyone involved played a major role to ensure that we received great success.




Jacqueline F. - OH

Mason was exceptional, helped with every step. Returned my calls within a few minutes and explained how to use my iPad to sign electronically. He walked me they the whole process. Very pleasant to talk too. Loved working with him!!!




Michele G. - GA

Melissa would help me answer questions that I had and was always happy to help.




Massey R. - MD

Michael was always available to answer questions and make recommendations about how I could achieve my financial goals. He was always very professional and took a personal interest in assisting me.




Dale R. - MD

Very satisfied with the refinancing service I received. At first I was somewhat skeptical about refinancing my mortgage with an out of state firm. Formerly, I had always used the same local lender whenever I wanted to refinance or apply for a new mortgage. As I worked through the process I found my original concerns to be completely groundless. The company representative called me repeatedly, almost daily at first, describing the superior service provided by his firm and explaining to me why I should consider them to write my new mortgage. He was persistent, but in a friendly, polite, and informative way. I enjoyed speaking with him**.almost every day. He was always professional in manner and obviously very knowledgeable about financial matters. He asked right questions, and took a personal interest in helping me more clearly define and understand what was required for me to achieve my financial goals. After a month or so of conversation, I decided to engage his firm to refinance my mortgage. Throughout the process, the broker always stayed in touch and patiently guided me through the application process and final settlement. I will definitely consider this firm for my future financial needs.




Scott L. - IN

Najeeb Johnson was wonderful to work with. We felt he was both professional and caring. Very pleased with our experience!




Clarence E. - PA

Everything went very smooth. Najeeb was great throughout the entire process, we give him a 10.




Dennis M. - NM

Natasia, I just wanted to say thank you for the work you did on my loan. I have been talking to you for the past 9 months and it has felt weird not talking to you this week. Lol With the changes that happened in my life during this time. It was very stressful and this became more than just a loan. It being done has taken a big weight off my shoulders. I needed it to start moving forward. For that I just wanted to say thank you.




Bobbi L. - VA

Such a great experience. I was very uneasy about the re-finance process, from past experiences. Nathan Wilkie quickly put me at ease, and made the experience quick and easy. I appreciate that I had 1 person who contacted me, and he was my contact for any questions I had. Nathan kept us informed at every step of the process. The entire process was quicker than expected. I will definitely be back for any future needs.




Burell L. - MS

Oula displayed remarkable, professionalism throughout the entire process.




Mark G. - TX

Oula was outstanding in here endeavors. She is a professional from moment one!




Bryce B. - PA

Paul was thorough in explanations and efficient. Easy to contact. Maintained contact throughout.




Mary M. - MA

Regina was respectful, insightful and VERY helpful throughout the entire refinancing process. We would highly recommend her in the future.




Jorge P. - NY

The whole process was very clear, simple and no hassles. I do appreciate all your help for making procedure simple.




Carlos L. - NY

Ritu is a miracle worker. I enjoyed working with Ritu as my mortgage analyst. She is so knowledgeable as it concerns finance, accounting and getting one into the mortgage that is right for them. She will share with you her computer screen and crunch the numbers of every possible mortgage scenario patiently explaining the benefits and drawbacks of each one. Ritu was a real help throughout the entire process. With Ritu I never felt lost, I never felt alone. She was in constant contact with me every day until the mortgage was finalized. She’s a gem of a person too. I highly recommend her to all my colleagues and parishioners.




Nathan M. - NY

It was a wonderful experience. Genna Marie was so amazing throughout the entire process from day one. She walked me through it all with so much knowledge in her field and made the experience better than I could have imagined. Genna Marie was so patient and calming and such a professional. I am so very pleased I had her to work with me. I am so appreciative of her expertise. I give her the highest rating possible.




Mavel T. - MI

Excellent!!! All stars to the best of the best! I had the best experience with Ritu. She worked hard with me and took her time explaining everything! She definitely had her patience with every question and concerns I had in going through the refinancing on my home. With not having the knowledge of the process and breakdowns of everything she took her time explaining and even having to repeat herself several times for me to understand. She goes over and beyond! When she was on vacation she still was helping me out in my time of need which exceeds any expectations for customer service. I sincerely felt at ease with her and would recommend her to anyone that is looking for a mortgage analyst. She’s the best!




Jason D. - NY

It was a good experience. The entire process was pretty easy and fast. Much better than other lenders we have worked with in the past.




Cherrish B. - NY

Eleven Star Service!! I work for the US head of customer experience for one of the world's largest financial institutions and previously for Ritz Carlton so I'm very turned in to what amazing customer service looks like! Ritu delivered in every way while working with me and even went above and beyond!! She stayed in constant communication with me through every step of the process. I was dealing with extremely tight deadlines and by some miracle she made it happen so that I met those. She made it super easy, was transparent and made sure I fully understood everything! I can't recommend Ritu enough!!




Rhonda A. - NY

Class act. From the first phone call, I knew I could trust Ritu Sethi! After dealing with many unsuccessful officers, I was blessed to find Ritu! She was patient, thorough and knowledgeable! She made the process smooth, and worked diligently to get me the best options. I have a new addition to my family at Reliance First Capital!




Shital S. - NY

It was great experience. Working with Reliance First Capital was great experience for us, it was very easy and Ritu Sethi is one of the best staff with that company. She is very knowledgeable and professional and understands how to solve customer's problems. She is the great assets of Reliance First Capital. We highly appreciate her (Ritu Sethi) help and cooperation to us for refinancing procedures, we highly recommend to contact her in any kind of mortgage loan or refinancing. Thanks again for your (Ritu Sethi) great help. Looking forward to work again with you.




Geoffrey G. - VA

Ryan process went very smoothly, kept me informed, professional.




Lawrence B. - LA

Samantha Higginbottom was a rock star!! She made a very difficult time in my life very smooth and simple. Sam also was available for me to vent when I needed to. She gave me her personal cell number and was always there for me.




Ruth S. - NY

Scott was great.




Erin K. - NH

Scott and Carolyn were fantastic. They didn’t just do their job they absolutely advocated for us and went out of their way. Both are outstanding.




Dennis W. - KY

Sharon was on top of her game, kept us informed through every step of the process!




Rolf C. - NC

I was very pleased by my whole experience with Steven. He did a GREAT JOB!! I would recommend Steven to anyone seeking mortgage assistance. Having Great people, equals great company to work with! Keep up the good work!




Myma C. - MD

Steven is very knowledgeable of what the company offer. He is so helpful and understanding.




William F. - OH

Steve went above and beyond to help us feel comfortable during the refinance process. We had other similar options when looking for a bank to refinance with but Steve's personal touch lead us to Reliance First Capital.




Darrell S. - LA

Taylor was extremely helpful and was on call anytime I had a question.




Darlene P. - NC

Taylor was exceptional. The experience was made much smoother and easier I think because he was so conscientious about taking care of our needs. Anytime we had a question, he answered or found the answer. Walked us through the process easily. So appreciate all he and those with him did for us.




Richard F. - TX

Teddy Worked very diligently and get in this long to us. He is very Knowledgeable about what he does. He kept in touch with us on a daily basis and has a very good attitude he was honest and understanding. We cannot say enough about Teddy, he is an asset to your company.




Camille O. - SC

Great experience! Thomas Cannarozzo was an exceptional Mortgage Analyst from start to finish. He was very personable and dependable, and was reliable every step of the way. He kept me informed during the entire process, and made sure I was aware of every document I was signing. He was not pushy and overbearing, like other companies, so I appreciated the time he took to help me with the refinancing of my home. Thank you, Thomas!




Sonja M. - NC

My goodness there are no words to describe just how wonderful Toi was. So professional and knowledgeable and walked and talked us through the entire process. You can really tell just how much Toi loves her job and loves helping people. We would just like to take this opportunity to say THANK YOU! Honestly, there is nothing you can do to improve on perfection. Even when we bought our home the first time, the process did not go as smoothly as this time did when we refinanced.




Maria B. - OH

Tyler was exceptional! He spent a lot of time with me explaining various options and interest rate scenarios.




Sharon B. - OH

This was the easiest loan process we have ever experienced. Tyler Maglione was wonderful to work with. He was so patient and helped us so much. We really appreciated him. Your company is so lucky to have someone of his caliber working for you. We are definitely not very technology oriented and would not have made it through this process had Tyler not helped us. I don't know anyone seeking refinance at this time but I assure you the minute I do I will give them your name and number.




Beau S. - OH

Vincent kept in frequent contact with me and kept the process easy to understand and simple. Aisha Hoskins, stayed in communication with me and pushed the process,




Bertha G. - OH

Yana and Michelle was very helpful and professional and friendly.

© 2020 Reliance First Capital, LLC.  All rights reserved  NMLS ID # 58775

Licenses | Privacy & Security  |  Feedback