Orlando, FL, is indeed the city beautiful! Sunny Central Florida is known for its world-famous theme parks and attractions, beautiful lakes, and fabulous restaurants and shopping. Whether you enjoy fishing or water skiing on the lakes, the magical world of Disney, or a night out downtown, Orlando offers a little bit of everything for everyone.
Tampa, FL is home to some of the most beautiful Gulf Coast beaches, fantastic local restaurants, cultural museums, and historic sites, as well as three major sports teams. Tampa also has one of Florida's favorite theme parks, Busch Gardens. Start your day riding roller coasters and visiting the zoo, spend your afternoon basking in the beautiful weather at one of the many local beaches, and end your night cheering on your favorite sports team.
Tampa, FL is home to some of the most beautiful Gulf Coast beaches, fantastic local restaurants, cultural museums, and historic sites, as well as three major sports teams. Tampa also has one of Florida's favorite theme parks, Busch Gardens. Start your day riding roller coasters and visiting the zoo, spend your afternoon basking in the beautiful weather at one of the many local beaches, and end your night cheering on your favorite sports team.
Services
RP Funding is one of the fastest growing companies in Florida. Over the past decade, they have helped countless clients save thousands of dollars on their new or refinanced home loans-creating a name for themselves as a customer-first lender. It is that philosophy that makes them different from other direct mortgage lenders and has shaped RP Funding's history.
Our online mortgage application is available 24 hours, 7 days a week to confidently and securely start your loan process. Our online application allows you to apply for a RP Funding mortgage quickly and securely, 24/7. With our fast and easy process you can even apply from your phone! Save time by confidently uploading required loan documents straight to your loan officer.
Our satisfied customers are raving about the benefits of doing business with RP Funding. Check out their video testimonials to see and hear what they have to say about our amazing services. If you've been happily serviced by RP Funding, then you can join other satisfied customers on the RP Funding Video Wall of Fame!
How RP Funding Owner and CEO Robert Palmer Built One of the Largest Direct Lenders in Florida. Founded in 2008, RP Funding has become a leading name in home financing, renowned for always putting the needs of customers first. Providing client-focused service was Robert Palmer's vision for his mortgage lending company from the start, and one that he achieved through tireless labor, countless sacrifices, and unfaltering dedication.
From day one, we have done business differently - we pay your lender fees, because you shouldn't have to pay to get a mortgage. We want to help you save as much as possible so you can put that money towards your down payment, home improvements, future mortgage payments, or even buying down your interest rates to keep more cash in your pockets in the long-run.
Reviews (30)
Darlene Romano
Jan 25, 2022
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We have refinanced through RP Funding twice and both times it was such an easy and smooth transaction. We were thrilled with the knowledge and professionalism of the representatives that we worked with. We especially appreciated the representative from the title company. She was extremely knowledgeable, professional and friendly and made us feel at ease. We can’t wait to work with RP Funding again in the future.
Jenny NIna
Jan 24, 2022
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We had such an amazing experience from the moment we were in touch with Raul then Jill and Maria. They were all
So very helpful through this process. We were able to find a home in about 8 days. It was mind blowing. We thought it was going to take us months. This is a wonderful company and would recommend it to others.
So very helpful through this process. We were able to find a home in about 8 days. It was mind blowing. We thought it was going to take us months. This is a wonderful company and would recommend it to others.
Labhe
Jan 23, 2022
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The ease of the whole process. Very simple no stress processing. The team updates me on the process and communicates with me regularly. James explained to me closing disclosure line per line. He responds to my questions from start to finish. Thank you to all that assisted me in this refinancing process. I will always be your client and I highly recommend RP Funding to my friends, family and my team!
Frank
Jan 23, 2022
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Great experience during whole refinance, the people I worked with were patient and explained everything we had questions about from the loan officer Jasmin and Rosa to the Notary they sent out to our home. They also worked around our schedules and did not rush us during the process at all. Would definitely recommend to family and friends.
Sarah T.
Jan 21, 2022
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My rating a year ago would have been 4, maybe even 5 stars. Buying our home in 2015 was a pretty smooth process, no issues afterwards. When I was furloughed and later laid off in 2020 due to the pandemic, the forbearance option was a lifesaver, and that process was fairly smooth, too.
However, coming out of forbearance a year later and trying to get the loan modification completed has been a nightmare. We started the loan modification process in April 2021, and as of today, I still can't get anyone to tell me why we're still in limbo 9 MONTHS later with no sign of a resolution in sight
However, coming out of forbearance a year later and trying to get the loan modification completed has been a nightmare. We started the loan modification process in April 2021, and as of today, I still can't get anyone to tell me why we're still in limbo 9 MONTHS later with no sign of a resolution in sight
Alicia Polanovich
Jan 19, 2022
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I recently refinanced my home with RP Funding and the experience could not have been more professional and expedient. Exactly like the advertisements say, I paid no closing costs and they were not added back into my loan either like nearly every other lender in the market does. I have excellent credit and could have gone to any lender of my choosing but RP Funding offered the most competitive rates and programs to fit my needs. Each and every member of the RP Funding team that I worked with were very professional, made sure I understood the process and treated me like a customer not just another
Carla Lawrence
Jan 18, 2022
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Quick fast and friendly customer service. This is our second time working with RP Funding and have nothing but positive to say about the experiences. They go above and beyond to answer any and all questions and superior attention to detail. I would recommend to anyone looking to finance or refinance their home
Don Weinberg
Jan 16, 2022
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Jillanne B.
Jan 13, 2022
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There are not enough words to describe how grateful I am that I called RP Funding. I closed on my home May 21, 2021. Jim McDonald, Jammie Johnson, the underwriting team, and even Robert(RP) himself, went above and beyond what other banks/mortgage companies could. Prior to learning of RP Funding I had been approved, pending appraisal, on 3 other homes with other lenders, over a 15 month period. Each one failed to close, (mostly due to time constraints sellers were able to place on contracts with confidence that they would have back up cash offers, all grossly over asking price, and could close
Diane Beliveau
Jan 11, 2022
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I was looking to convert my FHA mortgage to conventional to eliminate the PMI insurance so out of curiosity I filled out an online request to RP Funding. Jeffrey contacted me the next morning and explained all of my options and then emailed those options to me for my review. They also explain how they are able to pay the closing costs on a refinance, which is no gimmick! I am now able to eliminate the PMI insurance and take advantage of a reduced interest rate. My team has been very responsive to my questions and the whole process has moved along very quickly. Ivan even offered to have a Saturday
Reese Zulinke
Dec 31, 2021
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I would definitely recommend RP Funding to anyone that is in the market to purchase a home. They were incredibly helpful and always had someone available to speak with me or would call me back within a reasonable timeframe. I can’t say enough about this whole experience. From getting prequalified to closing on my first home, the RP Funding Team was with me every step of the way. Very professional as well as easy to talk to and get answers from. I worked with Glenda L. and Krista S. quite a bit and really appreciate how responsive and helpful they were with all of the questions I had. If I had
Anita OConnor
Dec 20, 2021
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We just have to say that refinancing with RP Funding was the best choice we made for our financing needs! We did a lot of research before we decided and had heard a lot of positive comments and we have to say they were all right . The whole process was quick, painless, the loan officers were courteous and always got back to us quickly. The fact that we had “no closing costs” was a huge plus meaning we were able to get some cash to do some projects around the house. Most banks ask for tons of documents and it never seems to end. RP Funding was up front with everything and we closed in three
Randy M.
Aug 03, 2021
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This company is spending a fortune on prime time TV commercials during the Olympics. Based on these horrible reviews that makes me very suspicious. I smell a rat. How can they afford an advertising budget like that while giving such poor service? Sounds like I should run not walk based on the horribly low ratings.
Keith M.
Jul 26, 2021
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BEWARE! This company is awful! Refinanced with them and they never paid off the previous mortgage. Now after continuing to pay my old mortgage every month, they are sending me invoices to pay another mortgage on top of my old one!!! I sit on hold for very long periods of time and no one can resolve my issues instead they transfer me to different departments! AVOID THIS COMPANY!!!
M. S.
Mar 16, 2021
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Wouldn't provide me with a rate because I wouldn't share personal info. Not enough that I can provide credit score, mortgage loan amount and general location. They want to collect as much data as possible. Not necessary to provide guidance on rates. The rep I spoke to refused because I wouldn't provide specific personal information. Don't waste your time!
Atif K.
Jan 12, 2021
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I requested for a quote to refinance my loan. I provided them with all necessary information including a 4 day old credit report so they don't have to pull my credit. I have already received 5 quotes from other lenders who were ok using the same credit report I provided as I was requesting only an estimate, not final numbers. Elizabeth Donnelly, the loan officer, stopped responding to me and then when I requested RP Funding to provide me a new loan officer, it fell on deaf ear. After reading numerous reviews on Google, Yelp and BBB I realized it was a blessing in disguise I did not do business
Lou G.
Dec 23, 2020
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Very rude loan officer after giving him all of my information 20 mins of my time he wouldn't want to give me a ballpark idea of the interest rate he could offer me on a 15yr loan, i told him my credit report was pulled out yesterday and middle score was 774 but he insisted for my SS# than he hang up in my face! How can you do business with people like this number i called 8552180765 name something like Joyce
David L.
Dec 16, 2020
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I am a listing agent located in Jacksonville, Fl. One of the agents from listed.com placed one of my listings under contract with a "pre-approved
' buyer from RP Funding- their sister company.. What a joke- the Buyer had a credit score of 510!!! We went all the way through the process and an appraisal was ordered- or at least I was told it was. Last minute the lender declined the loan without any explanation and never told the Buyer.. Hard to believe Robert Palmer would allow such nonsense!!
' buyer from RP Funding- their sister company.. What a joke- the Buyer had a credit score of 510!!! We went all the way through the process and an appraisal was ordered- or at least I was told it was. Last minute the lender declined the loan without any explanation and never told the Buyer.. Hard to believe Robert Palmer would allow such nonsense!!
Maria C.
Dec 04, 2020
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This has been the worst experience obtaining a loan. I was approved. I've submitted all the required papers.
This started at the end of July. It is now early December and they are still dragging their feet. Everytime I speak with someone I am told, it should be next week. I was told 45 days (mid September) the 29th of July
This started at the end of July. It is now early December and they are still dragging their feet. Everytime I speak with someone I am told, it should be next week. I was told 45 days (mid September) the 29th of July
S. T.
Oct 04, 2020
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I was coerced to allow them to gather personal information to run a hard inquiry. I asked several times to give me an idea of what my rates would be. Yhey claim on their commercials that you can pick the years of mtg. I requested 12 years and wanted 20k dollars of my 100k in equity.
After a couple hours Natasha called me back with a 30 year 68k plan. The rate she quoted was higher than I pay now. I requested for a quote that I requested. After running my credit (780) and quoting what I asked for, she said they do not give 12 year mtg. She deceived me, and then quoted a 15 year, way higher
After a couple hours Natasha called me back with a 30 year 68k plan. The rate she quoted was higher than I pay now. I requested for a quote that I requested. After running my credit (780) and quoting what I asked for, she said they do not give 12 year mtg. She deceived me, and then quoted a 15 year, way higher
Chuck B.
Sep 08, 2020
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Not impressed. Terrible customer service. I switched to another company and closed quickly. Don't buy into their gimmicks. They either can't deliver on their promises or the ownership is completely disconnected with the gears in the company that actually make it function. Either way, in it's current setup it's a miserable experience that you must avoid at all cost in my opinion.
Ben M.
Sep 03, 2020
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Steve B.
Jul 05, 2020
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The rate was competitive, but I've had 2 significant issues with them that I can't overlook. First, they left my fiancé off the deed despite me telling them 3 separate times to include her name. Upon closing when I noticed her name was missing they told me it would cost me an extra $200+ and postpone the closing 3-4 more weeks.
Unacceptable.
Secondly and probably worse; the website will not allow any payments other than once a month. I wanted to pay every two weeks (shaving nearly 7 years off my mortgage!) not allowed!
Absolutely unacceptable!!
As soon as I possibly can
Unacceptable.
Secondly and probably worse; the website will not allow any payments other than once a month. I wanted to pay every two weeks (shaving nearly 7 years off my mortgage!) not allowed!
Absolutely unacceptable!!
As soon as I possibly can
Alex L.
Jun 09, 2020
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Apparently the are CLOSED???? We have tried for days on end to contact someone by phone and email. Called four different numbers and all they do is played their recorded commercial over & over.
NO ANSWER & NO REPLY! After reading as many reviews as possible, this may be in our favor since they have made so many people unhappy.
NO ANSWER & NO REPLY! After reading as many reviews as possible, this may be in our favor since they have made so many people unhappy.
Kimmy W.
Apr 20, 2020
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Rhino R.
Mar 23, 2020
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The company wouldn't even give an estimated refi percentage rate without taking your social security number and running your credit! Sounds like a scan job to me and a way to get your personal information for God knows what for.
Wouldn't even give an IDEA of rates when provided with all information needed, which every company will do. They claim "company policy"!?!?!?! What?!?!?!??!
Just lost another potential customer with your ridiculous "policy". What kind of company doesn't want to promote their rates? Fishy fishy fishy.
Wouldn't even give an IDEA of rates when provided with all information needed, which every company will do. They claim "company policy"!?!?!?! What?!?!?!??!
Just lost another potential customer with your ridiculous "policy". What kind of company doesn't want to promote their rates? Fishy fishy fishy.
Todd B.
Oct 02, 2019
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I feel obligated to give 2 stars because the fact is that RP got me the best rate on my refinance, but if it was even close to another company, I would have gone with someone else. I absolutely hated giving my business and money to these people.
Called RP originally looking to refinance my mortgage once interest rates had gone down and values in my neighborhood had gone up. We thought we could eliminate mortgage insurance at this point. I had called RP for my original mortgage, but purchase mortgages are not their specialty and they didn't offer us the best deal. Broker was pleasant though
Called RP originally looking to refinance my mortgage once interest rates had gone down and values in my neighborhood had gone up. We thought we could eliminate mortgage insurance at this point. I had called RP for my original mortgage, but purchase mortgages are not their specialty and they didn't offer us the best deal. Broker was pleasant though
R. R.
Aug 19, 2019
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William A.
Jul 17, 2019
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I WOULD NEVER BUY OR SELL ANYTHING AGAIN THROUGH THIS PROCESS involving Listed.com and RP Funding!! It's been a complete nightmare for me. I've had Zero representation through the process, I've personally dealt with 3-4 different title people, lenders,....apparently there is no Realtor involved, I've answered the same questions to multiple people, I've been rushed to close early and now no one is in a hurry get me my proceeds. This process has felt like a scam to me from the beginning.
Robert B.
Jul 08, 2019
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