The sharp up and down movement of Financial Freedom’s production corresponds to Michelle Minier’s notorious mood swings.

Reverse Mortgage Mariachi: The up and down lines are insuring backups or a great disparity in the number of HECMs being insured each month. I get your joke, but just in case you really wanted to know. In theory you could judge the overall operations of the company by how rough or smooth their insuring line is. This is a very crude measuring device and I am sure there will be people who disagree, but overall it is true. Smooth orginizations insure production on a steady basis, always leaving time to get every file done. Occasionally insuring does get backed up, but it shouldn’t be that often.

You would only get the joke if you’ve worked in an office with Michelle. ‘Tyrant’ is putting it mildly. Are you ex-FF?

Thank you Financial Freedom for the nose dive. Lots more business for those of us who know how to treat customers and employees with dignity and respect.

I have 5 deals in with FF right now. The last one submitted 3 weeks ago. It’s currently taking “19” days (that is business days not calendar days) for UW. That is on top of 2 days for registration, 2 days for conditions clearing and 2 days to get your closing docs. At least that is what their turn times Lender Alert says. Actually, I sent in a final inspection 4 days ago and have heard “Nada”. I was told this morning by a FF employee that the turn times posted are an estimate. I have 7 more loans in process and I can guarantee you they won’t get those. Asta La Veesta Baby !!!!!! I sure hate it because I have many years of success with them in the past.

JB Nutter deserves the top spot. Their service is outstanding and their staff are knowledgeable and friendly. When they tell you 24 hour turnaround for underwriting, it happens.

I made a personl statment on 4/29 about FF which I have to say was inaccurate & over done. I had some recent frustration with a file there, but I do not dislike the rep and I look forward to continuing reverse mortgage business with them long term. My deepest apologies.

I will say this only once, if you are still using FF to underwrite your reverse mortgages – you have got to get your head in the game. It's been years since they've been a serious player. Try ONE..ANY other lender just one time and you will see the difference. As a former wholesale employee, I'm floored by the number of broker who still use them. Wake up people, it's way easier than you think if your still using FF. Go look.