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    ACA Group

    3.9 (14 reviews)
    Closed 10:00 am - 6:00 pm

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    Services - ACA Group

    Auxiliary legal services

    Mortgage refinancing

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    1 month ago

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    2 months ago

    Excellent service and professional help to get this resolved!! You were always curious and kind with us!!

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    2 months ago

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    2 months ago

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    2 months ago

    very helpful even after years of helping me! They are sending copies of all transactions! would highly recommend them!

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    5 months ago

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    5 months ago

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    7 months ago

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    2 years ago

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    2 years ago

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    4 years ago

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    5 years ago

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    Phil Ganz - Next Wave Mortgage

    Phil Ganz - Next Wave Mortgage

    (61 reviews)

    Wanted to give Phil and Joy at Next Wave Mortgage a shout-out. They're helping me with financing…read morefor a 9-unit building in Haverhill, and I've appreciated the time they've spent working through everything with me. Phil has been my contact for understanding the financing options and the numbers. I've had plenty of questions, and it helps to be able to talk things through instead of trying to figure everything out myself. Joy is handling the processing and deserves credit for her work behind the scenes. She helps me understand which documents are needed and what I need to follow up on. It's a lot of paperwork, and her guidance has been helpful. Thanks, Phil and Joy. I appreciate the effort you're putting into my file.

    I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

    AD Mortgage

    AD Mortgage

    (9 reviews)

    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.

    Jennifer Beeston at Rate - On YouTube I educate on mortgages and hombuying. Check it out at www.youtube.com/jenniferbeeston

    Jennifer Beeston at Rate

    (57 reviews)

    Southside

    Wow! Jen Beeston's team is outstanding…read more I had the pleasure of working with Jen Anderson, and she is one of the finest professionals I have worked with in my career. From start to finish, she was knowledgeable, responsive, transparent, and genuinely committed to helping me make the best financial decision. In the end, I did not choose Rate--not because of anything they did wrong, but because my home builder offered incentives that simply could not be matched. What impressed me most was that Jen and her team never pressured me to stay with Rate. Instead, they honestly advised me to accept the builder's offer because it was the better financial choice for me. That level of integrity is rare. They put my interests ahead of their own profit, which earned my trust and respect. If I have the opportunity to use a lender again in the future, Rate will be my first call. I recommend Rate without hesitation, and I give my highest recommendation to both Jen Beeston and Jen Anderson.

    I found Jennifer watching a You Tube video and contacted her while house shopping. I ended up…read morepurchasing a new construction home so used the builder's lender to get the great incentive. Jennifer's team quickly reviewed my loan documents and gave the thumbs up, even though it wasn't with them. I can't tell you how much value they added to make me feel confident moving forward with the biggest purchase of my life. I would absolutely recommend Jennifer and her knowledge and highly responsive team!!

    ACA Group - legalservices - Updated September 2026

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