Name: Acopia Home Loans
Rating: 4.8

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Cassey Stockman Abbeville, SC

I had the best experience with this company! Everyone was very helpful, they made the home buying process easy and were always available to answer any of my questions!

2 years ago

Reply from Acopia Home Loans

Thank you for the kind review, Cassey - we appreciate you!

May. 11th, 2020

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erica cooper Silver Spring, MD

Do not use them at all they give u the run around for days 12 to 13 days, they don’t reply to emails at all . the realtor has more contact then they do. Don’t do it at all trust read the reviews which I should have done periodically. James C. give me the run around just to say after 13 days I need to be established in Florida when I’m self employed and I can work in any state with the same amount of income. Communication is definitely not great at all. My family live in one state and brought a home in another and they telework. Which means they can work any where. Acopia has the nerve to say Wellsfargo suck that’s an understatement.

2 years ago

Reply from Acopia Home Loans

Hi Erica, we apologize for the extra time it took to process your application. In an effort to ensure we had exhausted all avenues in researching your scenario, we reached out to HUD for their review and advisement. It did add some time to the process, but please know we immediately communicated their response and findings upon receipt of their decision.

Mar. 23rd, 2020

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Thomas Schorner Fairfax, VA

I appreciated the patience of the loan officer, originator and processors who also demonstrated the urgency to complete the mortgage process in a timely manner.

2 years ago

Reply from Acopia Home Loans

Thanks Thomas, it was our pleasure!

Mar. 17th, 2020

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Bitglass101 Lewisburg, TN

Everyone was very friendly and helpful. Only thing I would suggest is to have more education and communication up front for a new time home buyer. I should have asked more questions.

2 years ago

Reply from Acopia Home Loans

Thank you for your kind review and suggestion - and congratulations on your new home! We always try our best to answer every question throughout the home-buying process and are committed to providing stellar service. Please contact our corporate office to help us understand how we might improve: (615) 859-5537

Mar. 12th, 2020

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Stephen Lund Marietta, GA

My wife and I are 65 and we have bought over a dozen homes in our lifetime, but this was the absolute worst experience of them all. From making a mistake and having to ask for a second credit score from the credit bureaus (BTW, we are both well over 800) to saying we were in a flood and and we are not to making a huge mistake when asking IRS for our tax returns resulting in us getting no less than 3 letters from IRS, which was extremely nerve racking. They even asked my wife why she changed her name 23 years ago. Because of the above malpractice and several others, we almost missed our closing deadline. Never will we ever use Acopia again.

2 years ago

Reply from Acopia Home Loans

Hi Stephen, we are sorry to hear you didn't have a good experience with us. We take all reviews very seriously and yours prompted us to dig deeper into the events you mentioned. The mortgage process is highly regulated and certain loan types require additional documentation. Even with the increased regulations and guideline requirements, we try to make the process as easy as possible for all of our clients. If you would be open to a phone call, I believe we can explain in more detail the points you mentioned.

Feb. 26th, 2020

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Kevin Troyer Decatur, GA

Acopia was great! We used them when purchasing our home and again 18 months later to refinance. The process couldn’t have been any easier. Doug R is the best!

2 years ago

Reply from Acopia Home Loans

Thank you for your review, Kevin! We appreciate the opportunity to be your lender.

Feb. 26th, 2020

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Enrique Fernandez Atlanta, GA

Acopia walked me through the home buying process every step of the way. It can be daunting for a first time home buyer and they made it simple. Highly recommend them!

2 years ago

Reply from Acopia Home Loans

Thank you, Enrique, it was our pleasure - and welcome home!

Feb. 26th, 2020

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Unknown Kissimmee, FL

I am a first time buyer at a very young age and I have to say this was the worst experience I have ever had in my life. The communication between the staff I worked with was unclear and very unorganized! I received unprofessional angry text messages from the staff. At times I felt it was because of my race and age on why I was being treated so poorly. I would often cry because if I would have backed out of the deal I would have lost everything. I would have recommended this company if I had worked with someone else but because of my first time experience, which will be my last, I wouldn't recommend Acopia to anyone.

2 years ago

Reply from Acopia Home Loans

Good afternoon, we are very distressed to read your review. We love first time buyers and would never like to think that anyone on our team would treat a borrower (or anyone) in such a way. That is not in line with our culture or the level of customer service we strive to consistently deliver. Would you be willing to contact us directly so we can learn from your perspective and your experience with the loan process? Please call (615) 543-2581.

Jan. 7th, 2020

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Migdalia Port Saint Lucie, FL

How friendly the employees are Christina was exceptional she give you so many choices of trying to find you the best deal and I recommended it to my employees

2 years ago

Reply from Acopia Home Loans

Thank you, Migdalia, for your review and recommendation!

Jan. 7th, 2020

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Sharon Toweh Lawrenceville, GA

Jeffrey is one is a million loan officer he made everything so easy and Vicki she is a God's sent . Working with them make refinancing a piece of vanilla cake for me.

2 years ago

Reply from Acopia Home Loans

Thank you, Sharon! We're so glad they took good care of you; we love happy clients even more than cake! :)

Dec. 16th, 2019

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Carlos Rodriguez Dacula, GA

Everything was perfect. We received the information in a timely manner. Carlos M was a great support and always was ahead of every step of the process.

2 years ago

Reply from Acopia Home Loans

Thank you, Carlos! We appreciate your review and are so glad we could help you.

Oct. 15th, 2019

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Jason Henley Nashville, TN

Acopia Home Loans exceeded my expectations. Keeping me well informed every step of the way throughout my refinancing journey. The customer service was second to none.

2 years ago

Reply from Acopia Home Loans

Thank you, Jason! We appreciate your review and thank you for continuing to choose Acopia as your lender.

Sep. 11th, 2019

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Wade Houston, TX

Craig at Acopia is fast, efficient and above all else trustworthy. He played market perfectly and got me locked in at the bottom. I highly recommend Acopia Home Loans.

2 years ago

Reply from Acopia Home Loans

Thank you, Wade - we agree, Craig is terrific! Thank you for your recommendation and thank you for choosing Acopia.

Jul. 29th, 2019

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Shante T Port Saint Lucie, FL

I was referred to Acopia. Everything was going smooth at first. I was prequalified found a home put a offer. Went through with appraisal and inspection. Acopia was well aware of my urgency of needing to find a home as my landlord of the house I was renting was moving back to state and wanted occupancy of their home.1 week before closing During final underwriting the loan officer contacted me stating that I had a student loan on my credit report that was in default. The local Acopia office stated that this just showed up. Which was a complete lie. I believe Acopia carelessly overlooked my student loan as I have been out of school for over 10 years and was already in a payment plan. This ultimately caused my loan to be denied. This only left my family and myself 5 days to find another rental. I would not recommend this company to anyone

3 years ago

Reply from Acopia Home Loans

Hi Shanti, things can happen during the loan process that could affect your credit, both positively or adversely. We are looking into what may have changed in your case and will follow up with you privately to share what we find, as well as answer any other questions you may have about how to qualify for a loan.

May. 22nd, 2019

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Bradford Bragg Acworth, GA

Do you not use this loan service company when purchasing your home! They are completely unprofessional and have now clue of what they are doing. I will make this clear that I did not use their services personally; yet, the buyer of our home did. They were not approved for their loan 2 days before closing (Denied). This affected my family as well as the sellers for the home we were purchasing. This happened in Acworth, GA. Patrick the loan officer was a friend of the purchasers and literally waited to send the loan request to the underwriter 5 days prior to closing (Who does that) having a knowledge the purchasers had issues with their financing. Patrick clearly tried to sneak things through the cracks. This in turn caused the purchaser to lose all of their earnest money and wasted all of our time. Again! I would not recommend this company and their shady/ sneaky staff Steer clear of “Patrick” because you will get your hopes up for disappointment

3 years ago

Reply from Acopia Home Loans

Mr. Bragg, we apologize for any inconvenience or distress that this loan experience may have caused you or your family. Many challenges can arise during the loan process and although we can't share any details with you about the borrower's situation, please rest assured that we always do everything possible to help each borrower get into the home of their dreams. As for your outcome, you were able to keep the earnest money, as that is what it's for, after all. Just in case something happens with the borrower's ability to obtain the loan ~ the seller is compensated for their trouble. But no, nobody truly wins when the loan doesn't close. That is why the entire Acopia team works very hard to try to help as many folks as possible obtain their dream of home ownership.

Aug. 8th, 2019

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Neal Miller Buford, GA

Bottom line, don't trust Acopia to do what they say or what is right by their customer. My experience with Acopia and Patrick K. (NMLS# 1534902) started out well. They were responsive and seemed to be good to deal with, but as we got further along, our payment changed and our money needed at closing changed. I was told that it was because our loan amount went up (minimally), but to verify, I priced things out with another mortgage company. I got lucky and found a exceptional deal through the new company but rather than jump on immediately, I wanted to verify their numbers before pulling the plug on Acopia. Well, our loan officer Patrick was really on us to get a credit card for our appraisal, so I reluctantly gave it to him but was up front and told him we had another company looking at the loan and we didn't want the appraisal done yet. He assured us it would take a week or more to get scheduled and completed so I reluctantly gave him the information. The above happened on a Friday night (after business hours actually). On Tuesday, I was pretty much given an ultimatum from Patrick (passed on through him from management) to continue with the loan or cut me loose. So I ran numbers until midnight and decided to go with my new loan company. I emailed Patrick the next morning and told him what my plans were and to not proceed with the loan or appraisal. Well, it turns out that the appraisal didn't take a week like we were told, it took a day. The very first business day after I gave up my CC information to try and get Patrick's boss off his back (and him off of mine), they did my appraisal and have now refused to refund my nearly $500 for the appraisal which I told them not to do in the first place. Bottom line is don't trust Patrick K. and don't trust Acopia as a whole. It seems that they will make whatever empty promises they need to in order to rope you into a loan. They are a mortgage company that sells off 99% of the loans they bring in (which basically means they make enough money on the front end of the loan that they can then take their cut and sell it off to someone else). Look elsewhere for a mortgage company with integrity.

4 years ago

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george ibanez

I was a victim of Hurricane IRMA and my insurance company wrote the check to Acopia after 2 months of waiting to get paid. It has been 6 months since the Hurricane and I have still not received all my money from Acopia to fix my home. They have to be the worst servicing company that I have ever delt with in my life. They are incredibly disorganized, and they show no compassion for their clients affected by the hurricane. They make you go through hoops to release a penny of MY OWN money, and the contractors are not getting paid on time. the Federal government should get involved and deal with companies like this that abuse natural disasters victims.

4 years ago

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Grace Hollywood, FL

Against our better judgement, we used Acopia based on the fact that they were the sole recommendation of the realtor we were working with. In the beginning everything seemed fine, straightforward and trustworthy. However, by the end of the process Acopia could not have been less professional. The local office we were working with ignored our calls and gave us the run-around for a week straight. We had to do all of the leg-work ourselves and information of any kind was only received by us calling,e-mailing, and hounding them! Getting any news or updates from them was extremely rare and on the off-chance that we did hear from them it meant bad news and more problems. The day before we were supposed to close they requested a W-2 from 2014...which I had already given to them (a bad sign).This leads me to believe they had not even finished the loan process. We also drove an hour back and forth to get a single sheet of paper to the HOA office, per the assistant's guidance, so that we could close the next day. By the end of the next day, closing day, the manager and his assistant called me and said that they had unlocked our rate (without our consent!) and that we had two options: take a higher rate, or pay points. When they wouldn't let me speak I told them I needed that information in writing. The manager proceeded to tell me to "be respectful" when I had to raise my voice because he was talking over me. I think they forgot who the clients are...I also never did receive that information via e-mail...probably because it was unethical? We ended up closing about a week late...thank goodness it happened at all - no thanks to the team at Acopia.

5 years ago

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Luis Santiago Nashville, TN

This is for the division company Accurate Mortgage. I applied for a home loan on 5/17. Got thru the pre qualification stage. Next step was the pre approval stage. Got them all the documents they needed in a timely fashion. Didn't hear a word for days and after calling them several times was told waiting on underwriter. Frustration set in so we decided to get second opinion only to be told we did not qualify for a home. Guess my point is if we didn't qualify the professional thing to do is notify your potential clients not leave them in the dark. I highly recommend you stay away from them they will damage your credit.

5 years ago

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Niamul hasan Bogra, 03

Mortgage rate was good. My mother used their service and I was helping my mother in it. I found them very helpful and kind. I highly recommend this mortgage company.

8 months ago

Reply from Acopia Home Loans

Thanks so much for your kind words and recommendation, Niamul. We appreciate you!

Sep. 24th, 2021

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Gloria Herle Atlanta, GA

Acopia was very easy to work with and very helpful. Very easy to contact to answer questions.

7 months ago

Reply from Acopia Home Loans

Thanks so much, Gloria! It was our pleasure.

Oct. 19th, 2021

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Sierra Ray Portland, TN

Acopia Loans made my home buying experience so smooth and as stress free as it could be!

8 months ago

Reply from Acopia Home Loans

Thank you, Sierra, we appreciate your review!

Sep. 24th, 2021

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Deborah Turner Asheville, NC

Cameron was always available, weekends, evenings. Everyone got everything into place and were super to work with!

9 months ago

Reply from Acopia Home Loans

Thank you, Deborah, it was our pleasure and we appreciate your review! (and yes, we agree, Cameron is a rock-star!)

Aug. 12th, 2021

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dustin collier Charlotte, NC

Great company. They provide quick service and they communicate with you. My experience was awesome. Highly recommend

9 months ago

Reply from Acopia Home Loans

Thank you for your review & recommendation, Dustin! We appreciate you!

Aug. 12th, 2021

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Shane Hayes Indian Trail, NC

Lee M was excellent, he responded every time I needed him. Always willing to help throughout the process.

9 months ago

Reply from Acopia Home Loans

Thanks, Shane, we appreciate your review and are so pleased Lee took such good care of you!

Aug. 12th, 2021

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Suzanne Carter Sautee, GA

This was the worst home buying experience I have ever had. Very unprofessional handling paperwork of this nature - had to resubmit multiple documents up to the last minute before closing even though the documents had already been provided.

10 months ago

Reply from Acopia Home Loans

Thank you for your feedback, Suzanne. We apologize if you had anything other than a stellar experience with us. We'll have a regional VP reach out to learn more about what happened or help clear up any confusion over why additional documentation was needed.

Aug. 12th, 2021

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Jonathan Sanders Elmore, AL

They welcomed my questions and made me feel safe! I’m very pleased with my home buying experience.

11 months ago

Reply from Acopia Home Loans

Thank you, Jonathan, it was our pleasure!

Jun. 25th, 2021

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Winnie & Kingsley Obike Louisville, KY

They accommodated me an my family's needs to the best of their ability. I couldn't ask for a better lender.

11 months ago

Reply from Acopia Home Loans

Thank you! It was our pleasure working with you and we look forward to serving you again.

May. 28th, 2021

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Jairo Guerra Norcross, GA

Using acopia was easy and fulfilling. Billy L. was my agent and he made the whole loan process go easy and smooth. Big shout out to him and Celia.

1 year ago

Reply from Acopia Home Loans

Thank you, Jairo! We're so pleased Billy and Celia took such great care of you.

Apr. 9th, 2021

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Kylepet Norcross, GA

Acopia home loan for me is good they help us to get in and giving us the the quote before we start everything and the team is awesome they give us a time to prepare.

1 year ago

Reply from Acopia Home Loans

Thanks so much for your kind review!

Apr. 9th, 2021

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Shebah Fairfield, AL

They did great job with assisting us with loan process. They were very professional and they completed it in a timely manner. Very pleased!

1 year ago

Reply from Acopia Home Loans

Thank you, Shebah, we're so glad we could help. Congratulations!

Feb. 5th, 2021

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Angel Mina Martinez ,

Everyone I talked to was friendly, understanding, very informative, and were always there for any questions and or concerns I had!

1 year ago

Reply from Acopia Home Loans

Thank you for the kind review, Angel! It was truly our pleasure.

Feb. 5th, 2021

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Gregg Nashville, TN

Buying a new home can be stressful but Acopia made our mortgage experience super easy. They were friendly and professional throughout the process.

1 year ago

Reply from Acopia Home Loans

Thank you Gregg - it was our pleasure! Congratulations on your new home!

Feb. 5th, 2021

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Corey Seneca, SC

Kin And his team worked hard with us from day one to find creative solutions and get us approved for a new home mortgage.

1 year ago

Reply from Acopia Home Loans

Thank you, Corey! We're so glad Kin's team took great care of you!

Feb. 5th, 2021

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Joseph Cramer ,

Drained my account before even moving in with all of the inspections. Changed my loan type over without factoring in closing costs changing which costed any extra $1,000 or so out of my pocket. Gave wrong amount for cashiers check for attorneys fee. Had to pay for new cashiers check and take off work to get said cashier's check. Yes they got me in my home, but after I thought the nightmare was over the insurance called today and Acopia didn't send enough to cover my insurance for the full year, so now I guess that comes out of my pocket too. Absolute garbage. I wouldn't recommend at all!

1 year ago

Reply from Acopia Home Loans

Hi Joseph, we understand the regional has reached out to you to address your concerns and to help you better understand what created the changes noted here. We strive to diminish any misunderstandings during the process and are sorry this experience seemingly fell short of those expectations. We appreciate your business and congratulate you on your new home.

Mar. 23rd, 2021

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Michelle Dutton Hendersonville, TN

We only got the loan because of Jeff S's help from the Hendersonville location. His willingness to go over and beyond was amazing!!!

1 year ago

Reply from Acopia Home Loans

Thanks so much for your kind review, Michelle (we think Jeff is terrific, too)! Congratulations!

Dec. 2nd, 2020

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Tanya Staton Flowery Branch, GA

As a mortgage processor myself it was simple and easy from start to finish. I wish my company has the system Acopia does.

1 year ago

Reply from Acopia Home Loans

Thanks so much for your review, Tanya! We're so glad you were pleased with the process!

Nov. 24th, 2020

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Ann Aposaga Hermitage, TN

I like Acopia. They are professional and the are client oriented. I am truly thankful to them for helping me with my home mortgage.

1 year ago

Reply from Acopia Home Loans

Thank you for your kind review, Ann - it was our pleasure!

Nov. 12th, 2020

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Cyprain Philip Chicago, IL

Great staff and awesome service. Staff went above and beyond in securing my mortgage. I have recommended the to others and will continue to .

1 year ago

Reply from Acopia Home Loans

Thanks so much for your kind review and recommendations, Cyprian! We appreciate you and look forward to working with you again.

Sep. 29th, 2020

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Bailee Stewart Greenville, SC

Kin and Lee were great. They helped me as a first home buyer. The only thing that I would recommend is being kept in the loop more. I felt lost the majority of the process.

1 year ago

Reply from Acopia Home Loans

Hi Bailee, thank you for your feedback! We appreciate your trust in Acopia and are disheartened to hear that you felt lost during the process. It sounds like you must have missed all of the milestone alerts. We'll definitely look into what may have caused that. You should have automatically received those both through the app and via email. Thank you for letting us know - and welcome home!

Aug. 20th, 2020

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sean foushee Dallas, GA

My agent was excellent! She kept me informed the entire way, was able to obtain a great rate and kept everything moving so we closed on time.

1 year ago

Reply from Acopia Home Loans

Thanks so much, Sean, we're so glad to able to assist - congratulations!

Aug. 10th, 2020

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Jgill Wellington, FL

Racist actions and behaviors make you a Racist. Acopia has racists working for them and don't understand how the way people treat you and talk to you matters. Minorities should be treated better period when business is being done!

1 year ago

Reply from Acopia Home Loans

Mr. Gilliam, we can assure you that no one treated you any differently because of the color of your skin. That is in no way part of our culture and would not be tolerated here. The documents requested that took you aback are required by Fannie Mae - not Acopia. We appreciate your business and had really enjoyed working with you and your wife. She was lovely through the entire process. We are shocked that this was your take away and will reach out to try to help you better understand what really impacted your file.

Aug. 9th, 2020

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Angelica Canales Port Saint Lucie, FL

The company was great, Anthony was a huge help every step of the way ensuring everything is done so the process was quick and easy!

1 year ago

Reply from Acopia Home Loans

Thank you for the 5-star review, Angelica! We're so pleased Anthony took such great care of you.

Aug. 10th, 2020

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Dawn Remines Silver Spring, MD

Kept us well informed. They worked with us over and above. Would definitely use them again and refer them as well. 👍👍👍

1 year ago

Reply from Acopia Home Loans

Thank you for the kind review & recommendation, Dawn! It was certainly our pleasure; we look forward to working with you again.

Aug. 10th, 2020

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Jeremy Heard Acworth, GA

Kayla was always in communication with what was going on. We closed earlier than expected and it was smooth! Would recommend!!

1 year ago

Reply from Acopia Home Loans

Thanks so much for your recommendation, Jeremy! So glad Kayla and her team took good care of you.

Jul. 15th, 2020

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Sylvia Stephens Buford, GA

Bill D assisted me with my mortgage and he and his team did their very best to make the process go as smoothly as possible.

1 year ago

Reply from Acopia Home Loans

Thank you, Sylvia, we're so glad Bill and his team could assist!

Jul. 1st, 2020

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VJ Fontana, CA

Acopia team was AWESOME! They were friendly, accurate, prompt! They are the kind of team I would enjoy working for/with.

1 year ago

Reply from Acopia Home Loans

Thanks so much for your kind review, VJ! We look forward to working with you again. :)

Jun. 24th, 2020

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DT Hannah Conyers, GA

The team at Acopia is amazing. Allen, Maria and Wendy went above and beyond to make sure I learned and also had a seamless process.

2 years ago

Reply from Acopia Home Loans

Thanks DT! Allen's team is terrific - so glad he took great care of you!

May. 11th, 2020

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Phyllis Noble Myrtle Beach, SC

The professionalism of the people I worked with to secure my loan. They were also extremely helpful with any question I had during the process.

2 years ago

Reply from Acopia Home Loans

Thank you so much for your review, Phyllis - so pleased we could help!

May. 11th, 2020

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Shathan McCoy Norcross, GA

The company was great to work with. They made the home buying process super simple. Joey D and staff made sure all our needs were met.

2 years ago

Reply from Acopia Home Loans

Great to hear, Shathan! Thank you for your review and for trusting Acopia with your loan buying needs.

May. 11th, 2020