Element Home Loans, a Division of NFM Lending, Fort Walton Beach, FL

As members of the Greater Fort Walton Beach Chamber, we had the privilege of getting to know Frank Bennett. I loved their mission that they don't say "no" to anyone - it is simply "not yet" let's work together to make it happen. Being an entrepreneur who walks alongside others in health, we knew this was the mortgage team for us when the time came. Little did we realize that it would just be a couple of months when we would be ready. :) From the moment we contacted Frank and his team, we were off and running. They answered our many questions and walked with us through the whole process. We closed on our dream home in record time. We highly recommend Frank and Element Home Loans!

Frank was a pleasure to work with! He always responded to my calls, texts and emails quickly and answered all of my questions, helping to make this process as stress-free as possible. Frank walked me through every step of the lending process and taught me a lot of valuable information. He and his team are extremely knowledgeable, personable and professional. We were able to get our financing approved quickly so we could close on our dream home. Frank even reached out to IT to help us get into the portal when we were having technical issues logging in. We will be referring all of our friends, family and coworkers to Frank and look forward to working with him again in the future.

Frank and his team made my relocating and buying a house in Georgia an amazing experience. Throughout the entire process he and his team kept me fully interacted with what was happening with my loan. They also were very easy to reach and quick with an answer to any question I had. I would highly recommend using Frank and his team for your experience buying your next home.

Frank and his team have been an indispensable part of my real estate business for over 12 years! Their willingness and ability to make themselves available, communicate and successfully get my clients to the closing table has been an amazing experience for my clients and myself, personally. It's rare to have 100% confidence in any lender, but with Frank, I know my clients come first to him and therefore I have 100% confidence in Frank! Super guy, super wife, Karen and super team! You can't go wrong with Team Bennett!!

I had a wonderful experience working with Frank Bennett on my first home loan! He made the loan process as simple as could be and answered all my many questions quickly and kindly. I really appreciated all his help and will definitely be calling him in the future. I highly recommend him and Element Home Loans!

I recently had the pleasure of working with Frank Bennett as my mortgage lender, and I am thoroughly impressed. Frank's professionalism, expertise, and dedication, coupled with his team's excellent communication, made the entire process seamless. He took the time to explain options, addressed concerns promptly, and ensured a personalized experience. Dealing with a motivated seller - wanting to close in less than 30 days, Frank and his team had the entire mortgage process completed in 16 business days! I highly recommend Frank Bennett for an exceptional mortgage journey.

Frank has been a family friend of ours for many years. We needed him in a time of trouble as my health has deteriorated. He and his team handled or refinance in record time and saved us over $400 per month. He went above and beyond by not only coming to my house as I am bed ridden, but arranged for the closing attorney to conduct my closing in my hospital bed. I was a real estate broker for many years and always referred Frank to my buyers. He never disappoints. If you need a mortgage, call Frank, he is the BEST in the business! Joyce.

I don’t have enough words to express how thankful I am for Frank and his team. I recently found myself in a crisis with an immediate need to purchase a safe home for me and my sweet kids. I had a short time window to close, and Frank and his amazing team made it happen. I was always in the loop and we were able to close quickly and smoothly. I can’t thank everyone there enough. Melanie and Melanie were awesome. Always responding to me messages quickly and even taking my phone calls at 8pm to make sure I had everything I needed for a smooth closing. I am so grateful for them and grateful that they got me in to a dream home so quickly. Thank you Frank and everyone at Element Home Loans. I will never choose another lender to work with. They have my business for life. I have recommended them to all my friends. I hope you don’t retire soon, Frank! You’ve become my family now and you’re stuck with me for a while.