First Centennial Mortgage – Legit or Scam?

I came across a critical review of First Centennial Mortgage on a Scam Reporting website –, titled ‘Customer Service’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against First Centennial Mortgage with a pinch of salt.

Here is what the review says –


We worked with Mark Hubbard on a double application for a home that his real estate agent wife had listed.We made an offer on the home and were told the seller required a double application and that we had to use the listing agent’s husband to do the second application.It felt fishy and our real estate agent told us that she’d only ever seen a double application requirement one other time in her 30+ year career.We jumped through all the hoops for Mark, provided pay stubs, tax info, and proof of funds (which showed 3 times the amount we listed as our down payment).Mark grilled our loan agent, questioning the interest rate we’d gotten and requesting our loan officer’s internal company rate sheet (which is not only ethical but possibly illegal).When our loan officer pointed out that it seemed like Mark was trying to steal our business – big surprise! – we ended up losing the house to another offer by only $5000.We were not even given a chance to counter and I believe it had everything to do with the fact that Mark and his wife knew we wouldn’t be using him to fund the loan.Mark didn’t even fully complete the loan application himself, he used our loan officer to do the leg work. Stay away!


In case you don’t already know (assuming you came to this page by Googling ‘First Centennial Mortgage scam‘, or ‘First Centennial Mortgage review‘, First Centennial Mortgage is listed under the category Business on

Here is the rest of the contact information for the sole purpose of identification –

  • Address: Main Street Irvine CA 92614
  • Phone: (949) 625-4777
  • Website:
  • Severity of Scam: High [not sure what it means]
  • Reported Loss: 5322 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity First Centennial Mortgage was awarded 1 / 5 Stars  based on 1 Reviews.

It is difficult to ascertain whether First Centennial Mortgage is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into First Centennial Mortgage, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list First Centennial Mortgage as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against First Centennial Mortgage, please contact us immediately. If you have lost money to  First Centennial Mortgage, together we can work to recover your loss.

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