Terra Ferma Mortgage, Inc.

DO NOT USE THIS LENDER! If I could give Carlos a negative star, I would. Never calls back, never answers emails, doesn't care about his clients, he's very dishonest, and not sure how or why he's in business. Was supposed to close 3 months ago on a house and never did. Excuse after excuse! Find another lender that can do his job! Terra Ferma Mortgage is the worst lender I've ever had to deal with!!!!!!! YOU HAVE BEEN WARNED!

Carlos here is a real gem. He was the lender for a buyer for our old house back in october of 2020. He missed 2 closing dates cause in 60 days he did 0 paper work. We canceled after they failed to meet the extended closing date. As a result we are out of the earnest check no for over 9 months because the title company wont honor their contract that fell through all because of Carlos.

Unprofessional, Misleading, Unreliable, uncommunicative I don't even know where to begin with this guy. I have never dealt with anybody as unprofessional as Carlos. We reached out to him with the hopes of getting a loan to purchase a new home and sent him all the information required to run my credit to see if I was approved. In less then 24 hours he tells us that we were approved and gave us the approval letter. We already had a house in mind so we went ahead and signed a contract. We had to pay a $2,700 to secure it. We also paid $575 to get the house inspected,I paid a roofer and air conditioning company to check their condition. After that it all went downhill from there, Carlos Valdes and tells us that the loan was on hold due to my credit not being at what it needed to be. That sho

Very professional, helpful and easy to work with. Spends time with you making sure you understand all the documents

Really great service and people! They helped me with everything I needed. I couldn’t be more happier!