We refinanced our house in 2020 with Loans By Rick. Everything went well. The terms were good, the…read moreinterest rate was good, we financed the fees, and because of the pandemic the notary came to our house with the documents so we didn't have to go to a title company office. This was our third refinance experience and hopefully our last. I gave 4 stars instead of five for a couple of tiny reasons. 1. If you're someone who can end up taking to someone forever about random things, watch out because Rick Kirchenbaum is, too. We spent way too much time chatting on the phone instead of actually discussing the terms of the offer. If you like the bonding from chit chat, Rick is probably your guy. But I spent 2 hours the first day taking to him about how he used to own a shoe store in Sandy and might have sold shoes to my husband when hubby was in high school. Just... how did that happen?!? 2. There were several issues with getting our documentation of pay stubs and tax forms and loan statements to his office. Mostly file format issues. It was annoying to have to take a picture of something ~again~ and email it ~again~ because it was either too big or too blurry when his office put it in the portal for the underwriters. Might not be an issue now when people can meet in person again, but it was annoying and made things take a week longer than necessary. 3. He wasn't clear about how big the lender fees would be or whether they'd be coming in the form of a check from us or rolled into the loan until we got the final paperwork. I was surprised the fees were bigger on the final paperwork than on the estimate. And I thought we would have to pay that at closing. I didn't back out and go with someone else because at that point I was many hours deep in phone calls and emails and digital portal clicks and sign heres and I honestly just wanted to be done. And then we didn't have to pay anything at actual closing after I'd been worried about it for a week. So nice surprise, but a little more clarity during the process -- especially because I asked about those two things specifically -- would have been appreciated. So yeah. Solid 4 stars. The mobile notary instead of having to drive somewhere in Salt Lake to a title company office was seriously the best thing. Overall I'd use him again if we hadn't paid off literally all our consumer debt in that refi and should never ever need to do a refi again. Ever.

We've worked more than once with Loans By Rick and specifically Rick directly. he is always great…read moreto work with and willing to take the time needed when questions come up. I would always look to Rick first when in need of mortgage options. Even when the loan is not the type he does Rick is always willing to help as much as he can.

Founded in 1988, Academy Mortgage is one of the nation's largest and most respected independent…read moremortgage lenders. Academy's mission is to be 1st CHOICE in delivering the dream of sustainable homeownership by inspiring hope and building prosperity in the lives of their Employees, Builders, Realtors, and the communities they serve. Academy soars ahead of the industry by continuously delivering the Gold Standard in customer service. The Loan Officers are easy to access and provide timely response, clear communication, and absolute follow-through. Their long tradition of customer satisfaction with their Realtor, Builder, and other Partners is affirmed year-after-year in their quarterly Partner Satisfaction Surveys. Academy is headquartered in Salt Lake City, Utah; has over 135 branch offices across the country; and is licensed to process loans in 46 states.

These guys made the process easy and relatively simple and spent a lot of time explaining step by…read morestep. Erik, in particular, is aces, particularly with the follow up as well as guiding you through the intricacies of government programs and paper trail requirements of the various laws, rule and regulations surrounding the process. I would commend him highly to everyone. Most of the information is also on the website, in either videos or breakdowns and I really appreciate that transparency. Small wonder they're as successful as they are. They treat people right here and aren't trying to hide or obscure anything. The building and offices are also way cool and you will be treated very well here, with your comfort part of their priority.

Branson and the entire team at Intercap Lending couldn't have made this process any easier. Very…read moreprofessional company. Garret Reed

Brandon Williams is a Loan Wizard. He helped me close on my first home, and since Refinance it with…read morea large cash out when other Banks and Credit unions wouldn't. Like I said, a Wizard.

This is a wonderful group of people! We went through them when we purchased our first home in 2015…read moreand then again this past year when we sold that home and bought a new one. They are always available if you have questions and you can call/email them any time. They are always so happy to help and always go above and beyond for their customers. When we bought our new home this past year, it was a nightmare with the seller. But this team made things so easy for us and they dealt with the seller and getting everything they needed. When the day came to close, the seller still hadn't provided all of the paperwork needed for us to close. We had already closed on our current home and had to move out; if we didn't close on the new house that day, we were going to be homeless. Our realtor and the whole team were working on our close ALL DAY. They started close to 7:00AM and were on the phone, in meetings, and in touch with us all day to make sure we were taken care of. They rescheduled meetings and appointments so they could spend their time making sure we got into our house that day and weren't without a home (we had a 5 month old baby at the time). By the end of the day, we were in our new home because of all the hard work from the Ben Lemon Team. Seriously, I couldn't be more grateful for this amazing group of people and all the hard work they put in for my family and me. I recommend them to anyone I know buying or selling and will continue to work with them in the future if I decide to sell or buy again.

WOW! We were looking for a lending group to help us with a refinance to get started on some much…read moreneeded home renovations. The Ben Lemon group was such a breath of fresh air. A couple other lenders we tried to work with first were confusing and slow in their communication but Ben Lemon and his team, and especially Jalene Wilson who was our main contact through deal, were all amazing. In fact if I could rate them a 6 out of 5 stars I WOULD. They displayed great professionalism and patience with us through the whole process. AMAZING JOB!

My husband and I have been with Everspire for over twenty years. He recently passed away and I had…read moreto take the lead in decision making. The whole team gathered around me with warmth, assurance, and confidence. As I have worked with Tom Melburn specifically, he has been able to encapsulate large chunks of information into a condensed form that makes sense to someone just learning. He is kind and patiently explains the options he has explored for me. I truly feel I am in good hands.

Wonderful service. They listen and make adjustments according to my needs. Also, give wonderful…read moreideas and have a very consultative approach.

Finally, I found a credit repair company that actually repaired my credit. They kept me in the loop…read morewith everything, and never once did i feel like i was being scammed or taken for a ride. The credit specialist are friendly, fair, and very knowledgeable when it comes to credit situations and straight up with you. Long story short i signed up with them 3 months ago and revived the keys to me new house last week. Enough said. I would like to thank the entire credit concierge services team for an excelent job rebuilding my credit. Samantha Woolbridge - Very satisfied client.

Brandon has been an amazing agent! He has defiantly gone above and beyond. I had a Spanish…read morespeaking customer that I was struggling with understanding. Brandon came in person to our office and helped talk with our customer. When I was needing to insure more than one business I had several questions. I asked Brandon to run multiple scenarios in order to determine how best to structure our companies. This involved having more than one insurance company and different accounts. Brandon has taken the time more than once to come sit down with us... even taking his entire day to make sure we were getting the best price but also make sure we were covered properly for our needs. The best thing I can say about Brandon is that He will think outside the box and offer solutions to have the best value in coverage and also address any coverage concerns. Also, any time I have asked for certificates he has gone out of his way to quickly get them to me as well as the companies that need the certificates. Brandon has also taken the time after hours to work extra hard to make sure our needs were taken care of! - Anna Jewel's Towing

Brandon with Burglund Insurance is phenomenal. Very knowledgable, and very easy to talk to! Highly…read morerecommended!

Truly wonderful lending team! Brian went above and beyond to help us through all the nuances when…read morewe refinanced our home a year or so ago. It was such a wonderful experience that we used him and his team again on our second home. They really take the time to make sure you get the best outcome without sacrificing time. They know the ins and outs well enough to preempt any potential unforeseen setbacks when it comes to the loan process. Would recommend

Brian and Paul were absolutely amazing in helping me purchase my first home. I had tried another…read morelender a few months prior and left feeling hopeless. Brian completely helped turn my story around! I wouldn't hesitate to recommend them to anyone!