Name: Acopia Home Loans
Rating: 4.8

star star_border star_border star_border star_border

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

7 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

star star_border star_border star_border star_border

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

8 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

star star_border star_border star_border star_border

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.

8 years ago

star star_border star_border star_border star_border

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.

8 years ago

star star_border star_border star_border star_border

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.

10 years ago

star star_border star_border star_border star_border

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.

10 years ago

star star star star star

Amanda Gooden Newnan, GA

The whole process for smooth. Terri was such a big help with my documents and such. Would highly recommend to other people.

5 years ago

Reply from Acopia Home Loans

Thank you for your review and recommendation, Amanda! We're so pleased Terri was able to help you. Congrats!

Sep. 24th, 2021

star star star star star

McAlt Canton, GA

Communication was phenomenal!!! The entire process was so fast and easy! Terri and Christy were amazing and made the entire experience a blessing!!

5 years ago

Reply from Acopia Home Loans

Thank you so much for your review! We're so pleased that Terri and Christy took good care of you (we think they're pretty amazing, too!). :)

Sep. 24th, 2021

star star star star star

Barbara Elizabeth Allen Smyrna, GA

Very professional, patient with newcomers to this experience, and hospitable. Would definitely recommend to a friend or family member.

5 years ago

Reply from Acopia Home Loans

Thank you, Barbara! We appreciate you and will value any recommendations you send our way!

Sep. 24th, 2021

star star star star star

Curt Dieffenbaugher Stuart, FL

We used their services during our original mortgage and due to their services and efficiency, used them for our refinancing. Great mortgage broker.

5 years ago

Reply from Acopia Home Loans

Thanks so much, Curt! We appreciate you and look forward to working with you again.

Sep. 24th, 2021

star star star star star

Brady McCarter

Acopia is one of the best lenders I have ever used. They were kind, responsive, and efficient! I wouldn’t use anyone else!

5 years ago

Reply from Acopia Home Loans

Thanks so much, Brady - it was our pleasure! We appreciate you and hope to work with you again in the future.

Aug. 12th, 2021

star star star star star

Inez Robinson Loganville, GA

Acopia home loan goes above and beyond to help me . I will forever be grateful . Special thanks to Bill and his capable team.

5 years ago

Reply from Acopia Home Loans

Thank you Inez, it was our pleasure. So glad Bill's team took such great care of you!

Aug. 12th, 2021

star star star star star

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.

5 years 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

star star star star star_border

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.

5 years ago

Reply from Acopia Home Loans

Thanks so much for your kind review!

Apr. 9th, 2021

star star star star star

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!

5 years ago

Reply from Acopia Home Loans

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

Feb. 5th, 2021

star star star star star

Angel Mina Martinez ,

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

5 years ago

Reply from Acopia Home Loans

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

Feb. 5th, 2021

star star star star star

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.

5 years ago

Reply from Acopia Home Loans

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

Feb. 5th, 2021

star star star star star

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.

5 years ago

Reply from Acopia Home Loans

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

Feb. 5th, 2021

star star_border star_border star_border star_border

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!

5 years 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

star star star star star

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!!!

5 years ago

Reply from Acopia Home Loans

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

Dec. 2nd, 2020

star star star star star

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.

5 years 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

star star star star star

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.

5 years ago

Reply from Acopia Home Loans

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

Nov. 12th, 2020

star star star star star

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 .

6 years 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

star star star star star_border

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.

6 years 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

star star star star star

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.

6 years ago

Reply from Acopia Home Loans

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

Aug. 10th, 2020

star star star_border star_border star_border

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!

6 years 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

star star star star star

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!

6 years 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

star star star star star

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. 👍👍👍

6 years 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

star star star star star

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!!

6 years 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

star star star star star

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.

6 years ago

Reply from Acopia Home Loans

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

Jul. 1st, 2020

star star star star star

VJ Fontana, CA

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

6 years 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

star star star star star

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.

6 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

star star star star star

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.

6 years ago

Reply from Acopia Home Loans

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

May. 11th, 2020

star star star star star

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.

6 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

star star star star star

Andrew Morrison Atlanta, GA

I had a great experience refinancing with Acopia. Tina and Dawn were great to work with and they offered great rates! Highly recommended!

6 years ago

Reply from Acopia Home Loans

Thanks so much, Andrew - we appreciate your kind recommendation and are so glad we could help with your refinance!

Apr. 22nd, 2020

star star star star star

Sulai Issa Graniteville, SC

My loan officer, Jeff, was very helpful not only in saving me money on the mortgage but also in recommending better insurance.

6 years ago

Reply from Acopia Home Loans

So glad Jeff was able to help you, Sulai - thank you for the review!

Apr. 22nd, 2020

star star star star star

Daniel Cline Norcross, GA

Don W and his team went above and beyond for us in the acquisition and closing of our loan. They were the BEST! Thank you Acopia Home Loans.

6 years ago

Reply from Acopia Home Loans

Daniel, thank you for your kind review! We're so pleased that Don and his team took such good care of you. Congratulations!

Apr. 14th, 2020

star star star star star

Frank Schenectady, NY

It was a good experience over all. The staff was friendly and experienced. They really know their business and are very customer service oriented.

6 years ago

Reply from Acopia Home Loans

Thank you, Frank, it was our pleasure and we appreciate your kind review!

Mar. 23rd, 2020

star star star star star

Southern Moving & Storage Lexington, SC

We use Acopia home loans to buy our first home. Sam made the process easy and painless. I would definitely recommend them to anyone.

6 years ago

Reply from Acopia Home Loans

Thank you, Sam! We appreciate your recommendation - and welcome home! :)

Mar. 17th, 2020

star star star star star

Renee Alexander Charlotte, NC

Wish it was more stars ⭐️ to be given! I absolutely loved my experience with them , very professional and I would definitely recommend them!

6 years ago

Reply from Acopia Home Loans

Thank you so much for your very kind recommendation, Renee - it was truly our pleasure!

Mar. 12th, 2020

star star star star star

Debra Martin Dacula, GA

Everyone was friendly and informative and it was done in a fast and speedy way I would truly recommend this company very satisfied!

6 years ago

Reply from Acopia Home Loans

Thanks so much for your recommendation, Debra!

Feb. 26th, 2020

star star star star star

Michael Shaun Brock

The process was extremely simple and quick. The over all experience was pleasant. Very professional and friendly service. Will use again!

6 years ago

Reply from Acopia Home Loans

Thank you, Michael! We're glad to have been able to help and so pleased that you've selected Acopia as your lender of choice!

Jan. 7th, 2020

star star star star star

Bobbie Randle Austell, GA

My process with done with such ease. The staff was awesome and held my hand every step of the way, since this my first home purchase.

7 years ago

Reply from Acopia Home Loans

Thanks Bobbie, it was our pleasure!

Sep. 27th, 2019

star star star star star

Tiffany Lula, GA

Doug M led Me through every step with direction and clarity. Professional, friendly, and honest. It was a pleasure working with him.

7 years ago

Reply from Acopia Home Loans

Thanks so much, Tiffany! The loan process can sometimes be daunting; so glad Doug was able to help. Thank you for choosing Acopia for your lending needs!

Aug. 22nd, 2019

star star_border star_border star_border star_border

Unhappy seller Lithonia, GA

I recently sold my home to a buyer who used Acopia Home Loans. Can I say it was the worst experience ever and left a particularly bad taste in my mouth. They were very disorganized. A closing that should take 30-45 days took about 60days. at one point they blamed the delay on underwriting because they knew they were so far behind. If you are a customer think seriously about using this company, the seller will walk and you will loose your earnest money. Horrible, horrible, horrible!

7 years ago

Reply from Acopia Home Loans

Hi, we're sorry to hear that you don't think the loan experience went well. We'd love to find out more about what may have happened. Can you give us your real name? You may also call us directly at (888) 859-5537, if that's easier.

Jul. 24th, 2019

star star star star star

HR Thompson's Station, TN

Wonderful re-finance experience. Great staff, efficient and timely communications all along process. Tremendous savings, thank you Acopia!!!

7 years ago

Reply from Acopia Home Loans

Thanks for your review! It was our pleasure.

Jul. 5th, 2019

star star star star star

Max Crews Bainbridge, GA

Tina and her team at Acopia provided us with an excellent loan experience throughout the process. The best customer service I’ve experienced.

7 years ago

Reply from Acopia Home Loans

Thank you for your review, Max! It was our pleasure to assist you with your loan.

Jun. 17th, 2019

star star_border star_border star_border star_border

Chris Fox Miami, FL

I have to admit I bit their hook, Hook line and sinker. I thought they were the best thing since sliced bread. Boy was I wrong. My loan has been in thei underwriting department for 10 days.I still dont have answer 07/17/2015 at 5pm . I call the loan officer and all I get is the run around. I think they are going to turn this place into a funeral since the loans go there to die. I can only say to anyone reading this review is look at all your options. If you need to close go somewhere else.

11 years ago

star star star star star

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.

5 years ago

Reply from Acopia Home Loans

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

Sep. 24th, 2021

star star star star star

Janine Rojas Austell, GA

They did a great job with getting everything ready in 3 weeks for my closing! And everyone was very patient with me!

4 years ago