I dealt with Traci and she was wonderful. Very informative and transparent from start to finish!…read moreTraci and team answered all of our questions. I emailed Traci on multiple occasions and she never failed to answer our questions. The loan closed very fast and was able to get into our home . Thank you Academy Mortgage for the wonderful loan experience! I will recommend you guys to family and Friends in the future!!!

Garrit went above and beyond our expectations of a lending officer. My husband just got out of the…read moremilitary so long story short, our financing fell through with our first lender while we were already a week in escrow, that's when our realtor referred us to Garrit. Garrit made the loan process so easy for us and still kept our timeline and close date from the beginning. I would recommend he and his team to anyone I know and definitely plan on using them in the future!

Called Troy to refinance my home. Troy was very quick to respond and gave me honest answers about…read morewhat the market is doing. He was very professional during our interactions. I have recommended several friends to him and he was able to take care of all of them. Troy is the way to go!

Troy and his team made the loan process as easy as possible. My situation was definitely not easy…read moreand he had every answer to every question I had. He told me exactly what I needed to do to get in to position to get qualified for my loan! Highly recommend!

As a local Realtor I have worked with Bill on several different occasions and every time he has…read moregone above and beyond to ensure a successful transaction. One thing I can say that sets him apart from the rest is HE REALLY CARES about the client and the experience! He always answers calls, texts and email and follows up. He stays in constant communication keeping everyone abreast on the process. He is very knowledgeable and and professional, yet very relatable and easy to work with! I highly recommend Bill!

Bill was helpful, informative and responsive from our first call to the last. Our mortgage process…read moretook over 10 months, because of a build, and Bill was patient with us the entire time. We will use Bill again and continue to refer him.

We just closed on a property financed through Guild Mortgage. Annie was amazing! Not only was it…read morevery straight forward and easier than any other process we've gone through, but we even closed in just over 2 weeks. That's just unheard of - especially in such a hot market.

My fiancé and I were trying to go through this company and it was so unprofessional that we decided…read moreto take our business and money elsewhere. Drew wasn't the most polite person and his assistant was even more rude. She argued with my fiancé about an email that she was supposed to send but we never received. The fact that she argued with my fiancé was enough to make us go somewhere else. I would not recommend this place whatsoever!

Occasionally, home loan purchase applicants experience difficulty obtaining a loan because of…read morecredit challenges, being self-employed, low appraisals or income to debt ratios. What happens when none of these apply? Waterstone Mortgage, and the Gwen Swain team in particular can make your life hell for about 30 days because you were exceptionally well-qualified but unfortunate enough to apply for a loan with them. If you want to stop reading now, here is the takeaway: there are conservatively 100 better qualified brokers in Idaho and nationally who should be considering your loan application. Gwen apparently cultivates a major online presence, focusing on first time and refinancing borrowers. I was referred to her by such a borrower (a relative), and thought I was in competent hands. Literally 24 hours before the close of escrow, we were still negotiating the wording of documents we had to sign, and escalating problems up the Waterstone food chain because Gwen and her team could not or would not respond to resolve issues. We were days from closing when Gwen said their underwriter would need "more time". Why? No one could say exactly. Did they need more documents? No, just "more time". We have had no fewer than 18 loans/refi's in our home buying and owning history and NEVER have we encountered a more incompetent, poorly trained and less caring group of mortgage workers. Our realtor, the escrow and the title team were uniformly aghast at Gwen's lack of competence and caring. At one point, she told me she "wasn't making anything" on my loan. That might have been the most honest statement I heard in the entire 3 month experience. Save your stomach lining. Apply anywhere but here. Every word of this review is true and can be proven by documents and emails.

Susanne Schlador at finance of america has gone above and beyond with getting us the loan we were…read morelooking for in our new home purchase. She was very through in explaining what all the paperwork meant and worked with multiple scenarios to get us the best loan option. She will be our loan officer for life!

From the owner: At American Pacific Mortgage business is always personal! We are about creating a customized plan…read morefor the path to homeownership that is unique to you! We looking forward to coaching you through the process and giving you the information you need to create the best mortgage game plan for you!