I just closed on my first home this week and I can't imagine having gone through the process of…read moresecuring a mortgage with anyone else but Art. He was so incredibly patient, knowledgeable and helpful every step of the way. He explained everything in great detail and was flexible and accommodative when we were thrown curveballs. I highly recommend Art and the Loan Tree if you are thinking about buying a home, you won't regret it!

As a first time homebuyer I quickly became skeptical of both banks and nonbanks when shopping…read morearound for mortgage offers given their general reluctance to provide a formal loan estimate and the amount of opacity/inconsistent terminology around process and fees. In that same mindset, when seeing The Loan Tree start to appear on comparison sites, I called and spoke to Arthur about his practice and grilled him on the details. Arthur helms the company and runs a tight ship with a small crew. Nevertheless he is almost always instantly available when you call, and provides the honest truth as well as priceless advise given the plethora of financing options available. This is a bespoke service - Arthur is there to guide, assist and review from start to finish. His connections landed terms that beat all other offerings and the entire process went smoothly thanks to his help. I would recommend The Loan Tree to anyone interested in buying in NJ.

Five stars for Sean. He is a consummate professional--highly attentive, knowledgeable, and patient…read morefrom mortgage pre-application through closing. His expertise, style, strong relationships with a wide array of lenders, and team orientation (working very smoothly with my real estate agent and lawyer), made the mortgage process easy, securing a great rate for me. Sean's talent and expertise will save you an enormous amount of legwork in NYC's high-speed competitive real estate market. Highly recommend him for anyone looking for top-notch service in NYC.

Sean and Nicole are so kind, professional, and knowledgeable; they had our best interests in mind…read moreand we felt trust in them throughout the entire process. Despite the uncertainty of the current landscape, we were provided with frequent check-ins and guidance. Sean took the time to listen to us and to talk us through everything, and getting all our documents organized and uploaded felt pretty straightforward. Nicole and Sean were always impressively prompt in answering our questions and allaying our anxieties, and managed to get us rates that beat our local banks' by far! Our entire process was virtual, and we'd had little sense of what to expect before working with Sean. With larger institutions, I'd felt like just a number, but Sean really went above and beyond in helping us understand the process, as well as in advising us about how to proceed. Nicole and Sean definitely smoothed a complicated process, and we felt super lucky to work with them! Block has the best rates and the best service, and they really understand the NYC market.

My experience has been nothing short of a disaster. Not only did they stall and delay the closing…read moredate, but when the day finally arrived, I had to wait **three and a half hours** at the closing table while they scrambled to get the necessary documents together. As if that wasn't frustrating enough, they changed the terms at the **last minute**, a **prepaid penalty** is a simple criteria weather you have it or not. which was unkown to the lender and was changed with new terms. Some terms were changed all a day before the closing date! And even after everything was supposedly finalized, **two months later**, they're still harassing me about documents I've already submitted. It's clear that their incompetence knows no bounds. If you value your time, money, and sanity, do yourself a favor and stay far, far away from this company.

Nope! They asked for the same documents twice and three times after already receiving them. Also…read morechanged terms throughout transaction and added fees on the day of closing in excess of $5K. If you are looking for a DSCR loan for a condo, want a streamlined process or want to close quickly, keep looking.

Compassionate, dedicated, kindhearted, perseverant, helpful and impeccable - those are the…read morequalities you should want in someone you work with in business. It is quite important to ensure you have those skills in someone when you are a first-time home buyer. You will hit the lottery if you use Bobby Papadopulos as your loan officer. There are not enough words to express the upmost gratitude and satisfaction with his services or his team. There are so many people in this industry for quick cash and possibly the wrong reasons. Bobby is the complete opposite. I was more than defeated in the home loan process. After a random yet quick search on Yelp, I found Bobby and decided to message him. I see why he has five stars. Although skeptical, because who is perfect? I have seen perfection in his abilities. Bobby allowed me to call him at 7:00 AM, through tears and disarray coming from my end, he stated, "I will help you". My situation was far from easy, he decided to still help us. Through diverse companies not explaining the process or requiring funds without explanation, Bobby held our hands throughout this entire process. From day one to closing day and beyond, Bobby does not leave you. He takes the time to explain to you what is occurring, why it is occurring and how to ensure a successful closing, organize finances and better yourself. He is extremely patient and understanding. He has worked in his personal time to guarantee deadlines would be met and satisfied. Without being local to me, he communicated with agencies near me to get the work done. Five stars does not compare to the amount that he and Contour Mortgage deserves. He has completely changed our lives for the better. Bobby is someone I wish was in every field not just the mortgage company because he brings professionalism, kindness, and perception. If you are looking for a home, find a home with a person who cares about your wellbeing above all. That will shape your mindset for your new journey- Bobby is the person to set you up on the right path. I will highly recommend him to anyone and everyone.

If you're looking for a mortgage lender who actually cares, go with Bobby. He made my first…read morehome-buying experience seamless despite a very tough market. Bobby is attentive, always available, and incredibly thorough. He never missed a call or text and was always ready with a solution to get my offer noticed. He truly listened to my needs and helped me close on the perfect home. 10/10 recommendation

I can't seem to talk to a real person? They keep giving me the runaround! They should have…read moresomething saying please wait and will get you in touch with an agent.

Would give 0 stars if I could. Quite possibly the worst company on the planet…read more Cenlar was responsible for paying our property taxes from our escrow account. They issued a check and claimed it had been sent to the county tax office. The next thing we knew, we were contacted by the county and informed that our taxes were delinquent and had not been paid. Cenlar assured us they would correct the issue by sending another check, which they did. The problem? They withdrew the funds from our escrow account a second time. They double-charged our escrow, leaving a shortage that has now caused our mortgage payment to increase. Our loan has since been transferred from Cenlar to Onity, and now Cenlar refuses to answer our calls because they no longer service the account. If there is a legitimate explanation, then pick up the phone and talk to us. Otherwise, from our perspective, funds were taken from our escrow account twice and the issue remains unresolved. This situation needs to be made right.

I had a wonderful experience working with Ryan Guerriero at First Lenders Mortgage. As a first-time…read morehomebuyer, I was initially a little overwhelmed by the process, but Ryan made everything feel much easier and more manageable. He guided me through each step, was always available to answer my questions, and took the time to make sure I understood what was happening throughout the process. I really appreciated how supportive, responsive, and patient he was, especially when I needed clarification or reassurance. Buying my first home was a big milestone, and I'm very grateful to have had Ryan there to help make the experience a positive one. I would highly recommend Ryan to anyone looking for a knowledgeable and supportive mortgage professional!

I can not tell you how happy my wife and I are with Jim. We were told by several lenders prior to…read moreJim that we wouldn't qualify for a mortgage due to our unique circumstance. We had all but given up hope until another lender who also tried but failed to get us a mortgage referred us to Jim at First Mortgage. Jim fought and fought and found us a mortgage that worked for us. When all others failed he prevailed! What more can I say about this guy. There's a lot of "mortgage brokers" out there who talk a good game but fall short or at best offer you crap service and still fall short. He was always responsive to calls and emails days, evenings, & weekends. Do yourself a favor and give him a call first.

I can't rave enough about Colin. His expertise is unparalleled, but it's not only that. He helped…read moreme understand the process, explained the pros and cons, and gave me the most thorough information and thoughtful guidance I've ever received in any real-estate/financing transaction. Highly recommend!

From the owner: At Waterville Mortgage, we understand that obtaining a mortgage is one of the most important…read morefinancial decisions you’ll make. That’s why we’re committed to making the process smooth, transparent, and tailored to your unique needs. Here’s what sets us apart: Personalized Service – You’re never just a number to us. Our experienced loan officers take the time to understand your goals and walk you through every step of the process, ensuring you feel confident and informed. Competitive Rates – We work with a wide network of lenders to offer some of the most competitive rates and flexible terms available, helping you save money over the life of your loan. Local Expertise – As a locally rooted company, we know the Waterville market inside and out. We’re here to help you navigate local real estate trends, property values, and financing options. Fast, Streamlined Process – We combine industry-leading technology with human support to move your application quickly from start to close, reducing delays and surprises. Trust and Transparency – No hidden fees, no confusing jargon—just honest advice and clear communication from day one. Whether you're a first-time buyer, refinancing, or investing in property, Waterville Mortgage is your trusted partner in turning your homeownership dreams into reality.