I hate to have to do this, because as a person I really liked my loan officer- but I feel like I…read moreneed to warn others. This company gave us a full bait and switch. They use high pressure sales tactics to convince you they're giving you the best deal when the jig is up, and will feed you many things they think you want to hear just to agree to what they're offering. When we began the preapproval process with them, we only ever talked about a single DPA program where the down payment is forgiven. Never once were any other options discussed or offered, and our preapproval paperwork was for the primary loan only. Once we were under contract we found out that they had actually gotten us a high interest second loan for the downpayment- NOT what had in mind. They proceeded to go back and forth on several things, including whether or not my interest rate was locked, what the interest rate would actually be, price of closing costs, etc. Never was anything straight forward. I was continually asked to sign paperwork that was significantly different than what my LO was telling me my loan would look like, and that it would be changed later. They advertise as a no fee lender, but they either add in a $5000 broker fee to closing costs OR 1.5% on your loan (which equates to tens of thousands of dollars). Worst was, when I found another lender, I was subject to high pressure sales techniques sprinkled with contradictions and blatant inaccuracies. I'll spare you the detail, but I cannot not even tell you how many misrepresentations, coercions, and outright lies were used in my dealings here. Again, I thought my LO was a nice person and probably just trying to make it. However, this company is predatory. Don't walk, run. At the very least, do your OWN research, be skeptical and ask for ALL the details every step of the way, and compare your options with another lender. Once I worked with another lender I realized how straightforward and matter of fact they were, I realized how much stress trying to work with this lender was.

My husband and I worked with Jordan at Affinity Mortgage on the purchase of our home in Gilbert in…read moreJuly-August 2013. I can't speak highly enough of this company. Not only were misc fees CUT that another company was wanting to charge us, but our rate was RIDICULOUSLY low. In addition to all this, Jordan was kind, responsive and on the ball when it came to closing our loan so fast. Even with a few bumps in the road (not from their doing), they were still able to blow timelines outta the park. I recommend them highly to all friends and family members!

Michael, Leslie, Kristin, and Todd are whom I dealt w/ at Velocity Financial w/ our refi. All of…read morethem are experts in their field, know how to make a deal work, and just always very on top of your loan when it comes to what's required from the lender. We're very happy with our end result and wouldn't hesitate to recommend family and friends to them. Thanks again guys! Nick.

Their poor training / service on a refi cost me 1/4-1/2 a point on my interest rate. Not only that…read morebut I literally had to push the entire process through. Even on a current loan refi there is no streamline process. Do you know what I they gave me to help reconcile me losing a ton of money over 30 years????? An automated letter and a $10 Starbucks gift card .. nice.

We've always had great service with Desert Financial. In the past they've bent over backwards to…read morework with us and we had had no issues to report. However we recently purchased a new vehicle and they gave us a 30 day window for our interest rate on the loan while we worked with the dealership to finalize. Despite remaining within the 30 day window, when we called back to inquire about financing with them, they told us they closed our file but acknowledged we were still a couple of days within their timeframe. Because they would need to run our credit again, we are going with someone else. I'm unsure which location Mike McGuire works out of, but he was particularly helpful and courteous, despite Desert Financial dropping the ball.

The friendliest bank around, free checking. I love everthing about this bank but they don't have a…read morelocation near me.You will find dealing with a credit union is far better than the big banks like Wells Fargo !

Not a good experience. Went with Adam Wain based on a recommendation and wished we had found…read moresomeone else. We have four main complaints with this company: 1.) They lied to us about their interest rate. We specifically asked for an interest rate that did not involve the purchase of points to lower it. Adam gave us the rate and told us we were not purchasing points. We found out when it was too late to change it and still close on the house in time that he did in fact charge us points to get that interest rate. 2.) They waited until the day we were supposed to close on our house to send things to the title company and so we barely were able to close by the end of the day. All the information had been signed and was ready on our end well in advance. 3.) Adam would only address my husband in communication even though we bought our house jointly. Even when he needed information from me, he would address it to my husband saying he needed it. 4.) We have owned our house for nine months now and are still getting mail from them trying to talk us into purchasing a stupid "life insurance" policy for our mortgage. Definitely recommend looking elsewhere!

Avoid this mortgage business like it were a plague. There are bait and switch tactics ongoing and…read moreyou might get a good rate if they wish to avoid a lawsuit for frivolous advertising.

This was the best mortgage loan process we have been involved in during g our 33 years of home…read morebuying. Kyra Bertch was fantastic to work with. Professional, encouraging & organized. She kept things moving, got us a great interest rate and allayed any concerns by working with us. Her response time and attention were so good that if we didn't know better we would think we were her only clients! Dylan was also very professional and great to work with. I want to reiterate this was the best mortgage loan process we have ever been a part of. Highly recommend Agave Home Loans.

Jason Bride and Thomas King made our refinance a smooth process here in Minnesota. They had amazing…read morecommunication, prompt answers and were easy to work with. They were both very knowledgeable and had great suggestions on the best options for me with the loan process. I would 10/10 recommend them to everyone!

Garrett played a key role in helping us purchase our first home. Throughout the process, Garrett…read morekept us informed with market updates, promptly shared new listings, and arranged virtual tours whenever we couldn't be there in person. When we finally found the right home, we faced strong competition from other buyers. Garrett remained proactive, strategic, and dedicated every step of the way, ultimately helping us secure the contact. We couldn't have asked for a better guide through our first home-buying journey.

I recently had the honor of working across from Gulch Group agent Garett Chatham who represented…read morethe buyer on a real estate transaction and what a pleasure it was to make his acquaintance! He was professional, responsive, and great to collaborate with from start to finish. He is a talented real estate agent and a good asset to the Gluch Group. He did your team proud!

our long distance move felt impossible for us until we got connected with Nate!…read more our sticky situation was one partner already in AZ and the other IN, with equity in our Indiana home but not enough saved for a down payment to buy in AZ, and a vehicle that needed major repairs to get the other of us (me) and our 5 pets to AZ. we needed to buy before selling, but needed the equity from selling our home in order to buy, and had no idea how to do any of that. i felt pretty stuck, and the very first day i talked to Nate i FINALLY had hope that this could actually work. Nate worked out a HELOC on our current home, making sure we could get some debt paid off, the vehicle repaired, AND have the down payment for a new house. we are so grateful that it was Nate taking care of us. i don't know what goes on behind the scenes, i just know it's WAY more than we realize; and i know Nate and his very busy team get sh#t done but they do it with empathy, and actual care for the little details of whatever huge life event is happening for you. the work he did for us did not go unnoticed and we're so grateful it was Nate on our side

From the owner: Nate Hoffman NMLS #2088452 Loan Officer American Pacific Mortgage Corporation NMLS# 1850 Equal…read moreHousing Opportunity

Stan is excellent! We began working with Stan when we bought our first home, and have worked with…read morehim on five or six mortgages since. We have always received outstanding service and trustworthy guidance from Stan and team. I recommend Stan to everyone I know who's looking for a broker, which is the most honest testament to his competence, trustworthiness, and customer service.

Tammy is a great partner to have in the home buying process. She was able to secure my husband and…read moreme a great interest rate and offered creative solutions when the home we were purchasing didn't appraise. We have recommended her to friends and family and would work with her again next time we are looking to buy a house!

Briana my Lender was able to help secure me the lowest interest rate in Arizona, and she made the…read morewhole process so easy. My girlfriend in the previous year also had a wonderful experience here, so I had to check it out. I'll be back for my next vehicle. She also helped guide me in efforts to better my credit score. They really do take care of you here!

Anthony, Alejandra, and Bri are always so helpful at the teller line, and Heather and Bri were…read moreamazing in opening my new savings accounts for my wedding funds!

I learned from Yelp about VIP mortgage, ive read all the reviews and they are all true!!! So when…read moreyou're reading this, look no further, they are the best in the valley!! Mike and his team has helped us purchase our dream home on a target date and did everything so smoothly and seamlessly. With what seems to be a stressful, complicated and scary decision to get into, they've been very helpful every step of the way. They would respond to inquiries quickly and even reply back to emails after office hours. They have referred us to arealtor/agent named Beth, who was very awesome. She even had multiple visits and doing video recordings of the properties as we are way out of town. She has responded to all emails and texts even in the middle of the night. Learned a lot from her with this experience. This is a very memorable experience for us as we are first time homebuyers! So if you want to be like us having a stress,free journey, let Mike and his team help you on this!!!.

Mike is one of my most preferred lenders. He is incredibly personable, always immediately…read moreresponsive, and takes great care of my clients. He is very knowledgeable and knows all the loan options to best serve my clients. He also keeps in touch with clients to offer refinancing and HELOCs when rates go down. He also takes the time to make sure client understand their funding, how the process works, and makes sure closings are on time or even early. Finding a lender I can count on and I feel comfortable referring to all my clients is a huge asset. Dawn Elliott, Realtor Tierra Antigua