If you're self-employed, like I am, finding a Lender who can provide loan products for you can be…read morenearly impossible. After having exhausted all my "local, traditional" Lenders, I knew there had to be other options available for self-employed persons such as myself with solid credit & good business history, solid assets, but still self-employed. A&D Mortgage has been just the answer. PJ Harley, the broker with whom I am working, has worked diligently to scout out the best products, best rates, and in a remarkably short time. He always responds quickly to my calls or texts. In short, if you need an OUTSTANDING Mortgage Broker, look no further. I think you've just found it!

I think this company's a joke. My co-borrower and I made NUMEROUS phone calls and sent numerous…read moreemails to A&D Mortgage and to their frequently confusing mortgage loan service contractor during the VERY SHORT LIFESPAN of our loan. We were told conflicting information on more than one occasion, which required MORE CONTACT attempts on our end to clarify the information provided to us. Recently, we submitted a change of address form via email per their live associate, only to find out almost an entire month later the form was "DENIED." The property has since been sold. No one with A&D Mortgage or with their affiliates, ever notified me nor my co-borrower of their decision. I'm assuming these seemingly incompetents disclosed our personal information to the property's new owners/occupants via mailed letters. In fact, I just got off the phone with one of their supposed supervisors who wasn't able to reasonably help me. Instead of resolving the situation, she opted to transfer me to an automated survey line while I was speaking. What a poor excuse for an associate.

Quite possibly the best service I have experienced. As a first time home buyer I certainly needed…read moresomeone to explain the process thoroughly and walk me through each step. Stephen McWilliams was exceptional as he was always there when I reached out and went way above and beyond in representing my interest during the purchase process. Stephen was so knowledgeable about everything and he was able to communicate it in a way where I could understand everything. I will absolutely go out of my way to recommend Stephen and his team to everyone I know. Cannot imagine having bought my home without him. Thanks Stephen!

I worked with Betty to buy my first house here in South Florida and I could not be happier! She was…read moreamazing. She was always available to answer my questions and she was very patient. She was extremely knowledgeable, even getting me approved for a HUGE tax exemption I will receive annually . She always had all the paper work ready on time and explained everything in detail. I could not image a better agent. I'm SO glad we made the decision to work with her. Thanks Betty!

Review for Kevin My Husband and I are self employed and have…read morealways done stated income loans with high interest rates and on tough terms like ARMs as our goal was always to go conventional. I reached out to a ton of companies and was looking at another stated income loan in the time of covid when many lenders were being strict. I reluctantly answered Kevin's call as I figured he was going to tell me what every other lender had. The first thing he asked after me giving some information was why we needed a stated based on the info I had shared. He promptly informed me that we could get conventional rates based on an asset loan. I put him on speaker phone so my husband could hear and I believe I told him 100 times that it sounded too good to be true and what was the strings attached. He said it was real but I asked him why in my time of 15 years buying homes as self-employed that no one had ever mentioned "this type of loan" and we would be crazy to not try. He made the process so simple and he's such a cool guy in general to speak to. He speaks to you in terms you understand and almost makes it sound so easy that you wonder how it's even possible. Well he proved me wrong and provided on every aspect of the loan. For the first time we have gotten a conventional rate and do not have to pay more for being self-employed. Kevin walked us through the process and it we ever needed anything he was there to help us right away. He was so excited to give us the call when he got our official clear to close. My biggest point in sharing the amazingness of Kevin is simply why dozens of lenders never offered this loan to us and why we never knew it was an option. We could have saved so much money simply by using Kevin a long time passed. He's not just a lender but a true expert and takes passion in his knowledge for ALL loan and All circumstances. I sent many his way already and the few he wasn't able to assist he was honest right away and didn't string them along. If you are buying a home you probably know exactly what I'm talking about with the lenders that promise the world and don't provide. Kevin provides and he truly cares. I'm so grateful that I found him and I will never use another lender as long as we can use Kevin. Morgan was very efficient to work with as she assisted Kevin and they cheered us along as we sold and bought along the way. I cannot thank Kevin enough for giving me that first call and asking me to trust him. Up until the day we closed I was still skeptical but he proved me wrong and I'm happy he did. Basically, Kevin is a magician. Give him a try and TRUST HIM. Thank you for everything!!!!

Never locked in our rate, just a verbal agreement. Did 8 hard enquiries in one month, now we have…read morethe mess to clean up.

Juan Garcia of gulf atlantic group…read more I can not say enough of the professionalism of this gentleman. All thru my last two mortgages he was always on the ball very energetic with a big smile! I highly recommend Juan and his company for any type of mortgage! I was turned down by another company and Juan made it happen for me 100% I commend you sir! Thank you twice in a row Sgt Greg Solano US Army Special Forces Retired

RUN as fast as you can away from this company!! They are a complete disaster and did the same thing…read moreto me and my clients..promises and nothing..multiple closing delays and hours and hours of heartache! Mark Sommers is the worst..he lies and then disappears. I am a realtor and have NEVER worked with such an unprofessional group of people.

AMAZING HIGHLY RECOMMEND…read more Don't waist your time, these guys will tell you straight from the initial interview if you are good to go and with what program. No surprises at the end when you are signing... (it has happened to me) They came in when another broker almost cost us the purchase with BS extensions that in todays market sellers are not willing too give, Hypotec interviewed us and did the whole process in less than 30 days, great communication thru email, txt or phone often after hours. Forgot to mention that even though we where desperate they found us a better rate and charged less than the previos broker.

As we are all aware, mortgage rates have been going down to unprecedented rates, and I wanted to…read moretake advantage. To date, I have refinanced several times. Of all my experiences in refinancing, this re-fi, and having PJ Gabayan as my broker, had to be the easiest and best. From the beginning, I felt very comfortable with PJ. He is not only extremely knowledgeable, but also very personable. He kept me informed every step of the way and made me feel very much a part of the process. He apprised me of what was happening and what to expect. He answered all my questions and educated me in the process. I am now the excited owner of a new, lower rate mortgage. I am extremely grateful to PJ for having made the process so easy. I am so impressed with his work ethic, and abilities that I have already referred him to my colleague at work, and now SHE is in the process of refinancing using PJ's services. When you refer and recommend someone to others, your credibility is on the line. It is with delight that I refer PJ to family and friends. I'm grateful and impressed.

I got a referral to go see Dan for my very 1st mortgage loan. I was on the edge to choose between…read moreDan from priority lending or another broker from another lender.My heart and soul was telling me If any broker can help me it will be Dan. So I choose Dan to help us with our Loan process. Dan been nothing but great to us, he explained everything so clear to me. He made me feel very comfortable so far. And his very professional. His a very easy going guy. You can get in touch with him at anytime. I will recommend all my family's & friends to Dan and his staff for future business..

If you need a mortgage, Priority Lending is a must. As a realtor and homeowner myself, I use them…read morewhenever possible. Dan is the hardest working, most knowledgeable and most caring lender in the business. I have so many success stories with them and although they may not want me to let everyone know...they got a loan completed in under 30 days! So they're fast, efficient and friendly, too. A must use for your lending needs!