See today’s mortgage interest rates on TrueRate.
How RMC Home Mortgage compares to other lenders
| Headquarters | Sarasota, Florida |
| Website | rmchomemortgage.com |
What customers are saying
Borrowers shared a mix of positive and negative experiences with RMC Home Mortgage’s services.
Customers praised loan officers for their professionalism, responsiveness, and ability to guide them through the mortgage process. Many appreciated the convenience of working with RMC, especially for new construction loans through their partnership with Maronda Homes. First-time buyers frequently highlighted the personalized support and smooth closings, particularly on FHA and conventional loans.
Some borrowers reported operational issues, including delays in processing and poor communication during critical stages. Complaints also pointed to slow response times and confusion around loan terms. Although RMC Home Mortgage holds an A+ rating with the Better Business Bureau (BBB), it is not accredited, which may be a consideration for borrowers seeking added assurance.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.