





Oula Suzanne Horne
Assistant Manager
NMLS ID # 1337185
ohorne@reliancefirstcapital.com
Toll Free: 888-751-0230 ext.6546
Cell: 615-606-3837
Direct & Fax: 615-224-6546
Dealing with Reliance First Capital was a very good relationship. By that I mean they really got to know you on a more personal level. I dealt with Suzanne. Horne at the Franklin TN office. She was very efficient and helpful. Her assistant Lisa Ann was also very helpful. If you're looking for a loan company that treats you on a more personal level, this is it.
Bob C. - New York
Oula is awesome at her job. Out of the many times I refinanced my home, this was the most enjoyable. All my expectations were exceeded. Oula was just amazing. She provided excellent service from beginning to end and was always available to answer all questions.
Jack W. - Tennessee
When the first person I was working with transitioned from the company, Oula became my Mortgage Analyst. She was very personable and kept me abreast of every part of the process, again, from beginning to the end, even as Lisa transitioned in, Oula continued to make sure that I stayed abreast of checking the portal and that I was understanding the process.
Donna D. - Florida
Hands down medals to Oula. From our very first conversation, I felt confident in her knowledge and desire to help me achieve the best possible outcome. Oula exudes kindness. She was so transparent with each request. Lisa Accardi was very thorough but extremely helpful. She also made me feel comfortable and assured that she had my best interest as a priority. My first question was "what can you do for me?" These ladies took it from there and exceeded my expectations. They went far beyond what other lenders had offered. I am glad I did not take what I thought were good offers, but decided to return a call from 'Suzanne Horne'. Could you make it a 24-hour process? Just kidding! I have no suggestions. You exceeded any experience I've been a part of.
Lettie H. - New York
Oula is the absolute best. She works hard to make sure you are taken care of in any way. She's awesome!
Linda J. - North Carolina
Let me tell you about Reliance First Capital biggest secret, Oula wan Kenobi AKA Oula Suzanne Horne Mortgage Master she makes the impossible possible the Lady is Magician when it comes to getting the job done. Oula is truly the Jedi master of Mortgages. Look no further reach out to her you won't regret it I promise, not only is she knowledgeable, Efficient, and organize. She has Impeccable work Ethics. Caring, Understanding, and Sympathetic to your needs. She takes you by the hand and walks you through the process step by step never letting you walk alone. she is Honest about the whole process and you can put your trust in her to get the Job done. Oula Wan Kenobi I had to put you on Blast because so many people need your help and need to know how to find you are available to meet their needs. Oula has been nothing less than fantastic. Her professionalism outstanding, her product knowledge top notch, her returning phone calls 10+, does not leave you hanging. Her personal qualities are empathetic, loyal, trustworthy, and honest. What more can you ask for in a person, but those of you who are her coworkers already know this and those of you that will be lucky enough to work with her will realize that from the very onset. I’m sorry for letting your secret out Oula Wan Kenobi, but the world needs to know how talented you are.
Jerome C. - Virginia
Suzanne was very efficient and professional and caring. No stone left unturned about everything. Class act worthy of being the top lender in the USA. Suzanne made it so easy to navigate the process. First class company way above other lenders, they actually care. Covered all aspects and made navigating so simple.
Roger F. - Maryland
Suzanne was a true blessing to me. She deserves so much more than accolades. She patiently stuck with me through the entire refinancing process. She provided exceptional support. Suzanne was more than helpful to me. Her expertise and experience did not go unnoticed. I truly appreciate the relationship we built and would recommend her to anyone. A 10-star experience is what Suzanne provided to me. Suzanne, I am forever grateful for you. You are the true meaning of professional service.
Juliet A. - Mississippi
I am grateful for the wonderful support provided by Oula Horne during the refinancing of my house. Her expertise and attentiveness throughout the process were exceptional. Right from the first phone call to the finalization of the refinance, she listened and understood our needs. Her professionalism and knowledge gave us confidence throughout the process. I also appreciated her quick response times. We began the process in the first week of March and signed our closing documents by the end of the third week of March. Her assistance was invaluable, and we will not hesitate to recommend her to anyone seeking mortgage services in the future.
Lathan and Bianca W. - North Carolina
Oula was the best agent I have done business with. My application and documents were perfect. She is the best.
Barbara T. - Alabama
Oula was fantastic. I was in the middle of a divorce and she made the whole process much easier! Oula and Lisa were fantastic to work with! They were professional while being personable which is great in the situation I was in. I am very thankful I got to work with these two because they made the whole process much easier!
Kayla W. - Kentucky
Oula Suzanne Horne did a professional job.
Michael A. - North Carolina
I would like to extend my sincere thanks for the outstanding way Oula handled her responsibilities as my contact doing the processing of my mortgage refinance at Reliance First Capital LLC. It is deeply gratifying to know that Reliance First Capital LLC, have personnel that demonstrate such a sense of responsibility and enthusiasm in carrying out their daily contacts with its customers. The extra care and pleasantness she showed in talking care of my needs is to be commended. Her attitude, kindness, knowledge, and level of performance have marked her as an outstanding asset and a credit to Reliance First Capital LLC. It is a pleasure to express my appreciation to her for the exemplary customer service she showed.
Herbert D. - Maryland
I had the pleasure of meeting and working with Oula when I refinanced my mortgage with Reliance First Capital. She was very attentive, detail-oriented, knowledgeable and extremely helpful, always available to answer any questions I had. From start to finish, Oula exceeded my expectations and made the process VERY simple and quick. She is the best at what she does!
Maria B. - Florida
It's a long process but everything is fine because of courteousness, honesty and excellent services.
Eunice G. - Kentucky
Oula always does an amazing job!
Christine O. - Wyoming
Suzanne Horne, she was available and walked us through the entire process, we felt very safe through the entire process.
Jill Z. - Tennessee
The process was easy and convenient for us. After several attempts with other companies, Reliance First Capital got the job done! Our loan manager was available to us and kept up with the pace and needed documents from us. I would highly recommend this refinance/mortgage service.
Rita H. - Alabama
Very pleased with Reliance First Capital, LLC and Oula was great, her personality was meant for this job in customer service which helped immensely when we hit a couple hurdles.
Toni H. - Alabama
Very satisfied with Reliance and a special thanks to Oula for staying with us through the process!
Randy J. - North Carolina
Oula was amazing! She was so thorough, answered all our questions, and was very accommodating since we were in different time zones.
Jamey S. - Washington
Oula Horne was so wonderful to work with us on our mortgage refinance. She was so friendly and personable. She took care of all of our questions and had everything in motion very quickly. I definitely recommend her to friends and family! Will return to her for our future needs.
Snoopy T. - Washington
We are very satisfied with Reliance and especially Oula! She was the greatest to work with and helped us all along the way! Recommend them to anyone looking for a better way!
Randy J. - North Carolina
Oula was extremely helpful as she listened to our concerns and helped us make a great decision.
Mary E. - Tennessee
Oula was exceptional during the entire process. She had several issues that delayed the process somewhat that centered around the fact that I have a condo, however she was very conscientious in checking them out thoroughly to ensure my loan was successfully funded. She kept me informed every step of the way even though I stopped the process at one point and tried another lender based on advice from a friend, but that was a BIG mistake on my part but Oula picked the loan process back up and resolved it to my total satisfaction. She answered all my questions and I learned a lot more about mortgages loans. She has infinite patience! I am thankful for the mortgage analyst for guiding me through it with patience, humor and a great deal of understanding when it at times became frustating. The frustrations were all due to rules and regulations that exist to protect the me, the consumer as well as the lenders, however at the time it didn't always seem like it! Ms. Oula "Suzanne" Horn, however, navigated the process successfully and left me feeling confident that I received the best deal for my circumstances and that all the i's were dotted and t's were crossed. She answered questions and provided information that I needed to be confident and comfortable duriing the whole process. I would recommend Reliance First Capital to family and friends and Ms. Horn as a professional who is a very thorough and thoughtful mortgage analyst.
Yuvetta P. - Virginia
Quite happy with the process. Very fast and easy! Oula Suzanne Horne was so professional and friendly. She made me feel at ease with what I was doing through the process. She made sure I had everything turned in I needed. I can tell she loves her job, she's very friendly and made me feel at ease. I look forward to working with her in the future. Lynda Hoffman sent me a couple of emails with updates along w Travis Myers. The whole team is just that a "team" I appreciate that kind of service. Happy with all they did in the process. I can rely on Reliance!
Michelle G. - Washington
I have zero complaints, it went very fast and Oula Suzanne was very professional! I will definitely recommend to friends and family! She made me feel like I counted and like she really did me a service not just trying to get my money. That's how [another lender] came across when I dealt with them. It was a difference between night and day dealing with Reliance First Capital compared to [the other lender]. Reliance First Capital rates a 10-star. You have a valued employee in Oula Suzanne.
Jerald G. - Washington
Great Customer Care from Oula “Suzanne” Horne. I chose Reliance First Capital due to Oula’s consistent 1st rated customer service from the beginning to end- THE BEST I have ever experienced. She is quick, persistent, patient, knowledge, and caring. Although the borrowing cost (based on my projected expedited principle payoff) appeared to cost me $3K more than a competitor, I chose Oula to reward her special effort. I recommend her boss reward her an equitable $$ performance award. She truly deserve it!
Suan M. - Mississippi
Oula was extremely helpful and worked hard to get our loan processed quickly.
Jennifer H. - Alabama
Great service an experience. Excellent help and always was up to date on what was going on. Great communication and went the extra mile.
Marco C. - Texas
Great Experience. They made everything quick and simple. She worked hard to get us approved helping us through some minor issues.
Johnathan H. - Alabama
Oula was amazing! She was very courteous and professional!
Joel B. - Kentucky
You don't need improving.
Paul B. - Mississippi
My hat is off to Lynda as well as Oula, they went above and beyond to help me. Couldn't have done it without their patients with my inexperience.
Helen G. - Wyoming
It was great all around. Oula was wonderful to work with and always fun.
Arthur B. - North Carolina
Oula is the best!
Homer R. - Texas
Oula always strives to give excellent customer service.
Mary S. - Texas
Oula a lot time talking with us and explaining the information. Took the time to get to know us and understand why we were trying to accomplish.
Melinda D. - Alabama
Suzanne kept us informed all the way through and answered all our questions.
Wallace O. - North Carolina
Oula Suzanne Horne is the best I have ever worked with. It was a long process due to current demand, but she was a trooper though it all and kept me informed about the progress of the process and everything I needed to know to help it go smoothly.
Christine O. - Wyoming
It was a pleasure dealing with this company. Very informative and polite.
Brent T. - North Carolina
From the beginning to end Oula was professional, informative, fun to work with, and efficient! I highly recommend her.
Angela C. - Kentucky
I filled out Lendingtree's application to look at refinancing...immediately got a call from Reliance. They were easy to deal with and gave me so many options that all would save me money. Oula and Lisa were a great team and handled my loan seamlessly. Closing was simple and straightforward. I went from an FHA with PMI to a conventional which is saving me lots of money and I also cut 10 years off my mortgage. I can be a pretty cynical guy and was honestly waiting for this deal to fall through but I was wrong.
David P. - North Carolina
The process in obtaining refinance loan up front seem like a long arduous process, but once Suzanne start the process it went from bleak to meek. There were moments when I thought this loan would never go thru since this was the fourth company I had been working with. Thank goodness Suzanne was at the helm no and can’t be done is not in her vocabulary. You are the best thanks for not giving up I would recommend your company any day or any time to those looking for refinancing or initial financing for that matter.
Tyrone W. - Texas
It was a great experience. The entire process was pretty easy. When I had questions or needed answers my manager was right there to assist . She was very helpful from start to finish.
John Z. - Texas
Suzanne Horne, my Mortgage Analyst has a great personality, very detailed, and explained all our options so we could easily understand. Lisa, the processor is very attentive and had a great personality.
Pruitt J. - North Carolina
Oula was amazing through the entire process, would HIGHLY recommend her and Reliance First Capital.
John Z. - Texas
Oula was easy to deal with even when I wasn’t easy to deal with.
David P. - North Carolina
Oula displayed remarkable, professionalism throughout the entire process.
Burell L. - Mississippi
Oula was outstanding in here endeavors. She is a professional from moment one!
Mark G. - Texas
Once I initiated a mortgage search online, I was flooded with phone calls and emails from companies. I wanted to extract some of the equity from house to pay off debts and to get a much better interest rate on my mortgage. All who contacted me were men who were pushy salesmen insisting that I couldn't find a better deal anywhere. Oula Horne was super friendly and simply told me what Reliance First Capital could do for me -- in detail. It was a perfect fit. She was great through the whole process. I'm a journalist, so I ask a lot of questions and she answered every one. I also appreciate that she was mindful of and efficient with my time, working around my very busy schedule. She made all the difference in getting through a process I'd been putting off because I dreaded going through it. She made it painless.
Deborah J. - North Carolina
Oula was exceptional.
William M. - Mississippi
AWESOME JOB.
Frank S. - Texas
Started out shaky but ended up fine because Suzanne took over!!
Pyrita W. - Virginia
Suzanne was very professional, she returned phone calls even on a weekend. Employers need more employees like her.
Lori J. - New Mexico
This was a great process with a great team. Very friendly, knowledgeable, and professional. Thanks team!!!
Renee V. - Texas
Oula provided exceptional service. I had done a refinance request 6-8 months ago through various online portals and wasn't ready to fully commit. After shopping around some and waiting I was contacted by Suzanne randomly. She mentioned she would do whatever was necessary to earn my business and she did just that. She was fully involved through the process answering dozens of my emails and questions that came up. I fully believe this helped to make the process smoother and more comfortable.
Adrian M. - New Mexico
This was a lengthy process although Suzanne Horne kept me going with her light sense of humor and positive attitude. She was a gem that I could go to anytime I needed her. (as posted on LendingTree.com)
Nancy P. - Texas
Oula "Suzanne" Horne (the BEST EVER!!) Truly a pleasure working with Suzanne! She was WONDERFUL!
David B. - South Carolina
Suzanne was absolutely terrific.
Kay S. - Kentucky
My experience with Reliance First Capital was a mixed bag. Not a bad experience overall but there were challenges. Suzanne "Oula" Horne was great to work. Highly recommend her to others. BLUF, I felt the process took way too long. Maybe because it was the holiday season that caused delays in processing our paperwork but it took too long in our opinion. Can be a very frustrating process that she explained upfront and was spot on. Be prepared to answer lots of questions and send in mountains of paperwork. I would recommend them to others with an explanation of what to expect. Hopefully this was just my experience because they seem very nice
Kevin W. - Texas
Promote Suzanne :) 10/10. I was impressed with everybody.
Bret D. - Tennessee
Very Knowledgeable Employee Ms. Horne was very knowledgeable of her job, very helpful to me in explaining all options of Refinancing my home so that I could select the best one for me. I do appreciate her assistance in informing me of the service Reliance First Capital offers. Thank you Ms. Horne a job well done, I look forward to working with you in refinancing and closing. (as posted on LendingTree.com)
Verdia O. - Alabama
The team at Reliance First Capital were outstanding. Oula Horne, was my saving grace. She went above and beyond to assist me and my husband. She was encouraging, positive and patient. The entire team was always available to us. They are very professional and straight to the point. There are no gray areas to worry about. My husband and I always felt that they had our best interest at heart. We can only praise them for helping us to become debt free. No more worry about bills. I will and already have recommended Reliance First Capital to anyone who will listen. Thanks TEAM RELIANCE!!!!!!!!!!!!!!!!! for all that you do.
Luandrea L. - Texas
Oula and Lauren assisted in completing my application, they were excellent, it was a joy to work with agents such as those two. I am very satisfied with their assisting me from the opening and closing of my application.
Verdia O. - Alabama
Very knowledgeable, friendly and responsive. (as posted on LendingTree.com)
Sandra R. - Maryland
Oula was awesome. She provided me with great customer service and responded to any questions I had immediately. She got my loan done in a timely manner.
Hope B. - South Carolina
I was very comfortable with Oula from the start. She navigated me through the whole process. Please give her a raise! She was better than family. Sincerely hope to work with her again!
Cynthia B. - South Carolina
Suzanne was great to work with. She got us the best loan and while we had a hiccup (on our end) mid closing she worked us and got it took care of So we closed smoothly.
Lloyd R. - Tennessee
Just keep doing what you're doing, hopefully you have more people as nice as Oula Horne.
Terry C. - Kentucky
Wonderful Staff. I recently refinanced my home and purchased a beach house using Reliance First Capital. Working with such friendly, professional and hard working staff they processed my loans with amazing speed and made the entire process easy. This company had a wonderful staff that will make you feel like family! (as posted on LendingTree.com)
Ellen G. - Alabama