Look no further, this guy is your frickin' ticket!…read more Bay Equity (Jim specifically) was referred to my wife and I by our realtor. We weren't actually sure we'd be able to land a mortgage since we had only just moved to the area and were still settling, but Jim, Christa and the rest of his awesome team worked above and beyond and at all hours for us and we were able to get approved. Jim was extremely professional, approachable, knowledgeable and straightforward throughout the entire process. In fact, we liked the team so much we baked them cookies afterward. It was luck that we landed on Jim's doorstep, but I'm sure glad that we did because we couldn't have found a better mortgage lender. We will use Jim again if the occasion arrises and he, of course, is highly recommended by us to anybody.

I had an absolutely smooth experience working with Jim and Christa. They demonstrated a ton of…read morepatience with me as I spent over 2 years trying to buy a home (thanks, Covid). When I finally found the home I wanted, I thought "oh no, now the processing of the loan begins". I had no reason to dread the process because Jim and Christa are a great team and they manage to make the inevitable "bumps in the road" roll off your back. It was SO EASY. In addition to their top-notch skills and professional service, they are truly the absolute nicest people. Highly recommend.

Ryan Mecum and his team from Guaranteed Rate were recommended by Lynn Reidl from Dreamtown Realty…read more I was seeking a jumbo purchase, and had numerous complexities in my financial picture (recent conversion to partner in my firm, a previous credit issue, and retaining my current home as a rental). When Ryan and I met, he asked me to communicate my needs and perceived challenges. We formulated a plan together, and the execution and service was off the charts! On top of the amazing experience in purchasing my new home, Ryan and his team assisted me with direction on other wise financial actions (and introduced me to an amazing wealth manager). Thank you to Ryan's team - Jason, Pam, Patti, and all the others who made the process seem easy. I have already referred Ryan to coworkers, and will continue to recommend him and his team to everyone I know. Thanks Ryan!!

Guaranteed Rate was recommend as a possible Mortgage lender by my Broker. My own bank's Mortgage…read moreBroker was slow to respond and kept forgetting who I was. From the moment I spoke with Ryan Mecum, at Guaranteed Rate, I felt I was in good hands. He was warm and friendly and outlined very clearly how his company worked. When I got off the phone I felt that I was definitely with the right lender. In the days that followed his staff monitored the many details the process involves. They patiently walked me through the documents that had to be submitted, reviewed or signed. Jason, who was assigned to my file, became my guardian angel, watching over my file with a keen eye and calling me almost daily to review what had been done and what had yet to be done. He always first greeted me warmly and then got down to business. The DocuSign system that this company uses is a streamlined program that takes you step by step through the actions that must be completed. The electronic signature moves through each page and stops where an initial or signature is required. When the key is pressed your signature or initials are recorded on the document and the paperwork is completed in a matter of minutes. One time when I was asked to submit my Social Security card I erroneously submitted my Medicare card instead. Twice more I was asked to submit my Social Security card and wondered what was wrong with their equipment until Patti wrote me a tactful email indicating my repeated error. I called her after finally sending the correct document and apologized. She was so warm and understanding that my embarrassment (I am a senior) disappeared. She also bent over backwards to assist me with passwords and security codes. Whenever I hit a wall because I was confused I always relied on my angel, Jason, who could hear my frustration and would sooth me with kind words and explanations. Once, I became alarmed at a document that seemed to be filled with financial errors. I left Jason a message of anger and suspicion. As usual he responded rapidly and in his calm and friendly manner explained in clear language without talking down to me what the figures were and what they meant. I was relieved, my stress level dropped and I was at peace with the world once again. I laughed at myself when I recounted this experience to a friend who reminded me that I had told her how Jason was always able to assist me when anxiety appeared to be stalking me around every corner. When Jason was on some days off with his family Jim, his coworker, responded to my plea for help as quickly as Jason would have done. He was delightfully personable and I felt like we had known each other for years from his friendly manner. He picked up where Jason had left off and was able to respond to my questions and concerns the same day reassuring me that my loan eligibility for my dream condo was indeed possible. Pam and Michael also assisted me with consideration and kindness with their part of the process when I ran into bumps. I never once encountered anyone there who caused me to feel awkward or slow. Much the opposite I had the impression that at their team meetings they were determined to guide me gently through what can be an overwhelming and challenging process. To summarize, the team of employees at Guaranteed Rate is, in my opinion, first rate. Under the leadership of Ryan Mecum they emulate his personalized caring and dedicated style. To a person, they share his commitment to doing a quality job, in a clear, expert and efficient manner. They understand that they may sometimes be dealing with a confused, befuddled, elderly and overwhelmed person who can easily get lost in this process. What is most clear is that they individualize their clients and want to support and champion their dreams. Thank you folks for making my dream come true. It would not have happened without your dedication and earnest efforts on my behalf.

So, this is seriously belated - my husband and I bought a house in December of 2016, and Peter was…read morethe best part of the whole ordeal! Buying a house is confusing and complicated enough, even without adding in the mortgage process. Peter made this so painless, and was an amazing resource for us. He was patient with us while we were learning the ropes, and did a great job of making sure we understood everything. I would definitely recommend Peter to anyone looking for a mortgage or refi. We will definitely be reaching out to him if we ever need to deal with these things in the future!

Anyone who has ever gone through the toils of getting a mortgage loan knows that there are few…read moreprocesses more complicated and stressful in life. Gathering up financial records, credit reports and tax returns and then worrying about appraisals and approval in the current economy can certainly lead to some sleepless nights. Peter Alving makes this whole complicated procedure much less agonizing. His professionalism was evident from our first conversation. He knows his stuff, from working with imperfect credit scores to finding creative financing in a market where mortgages have been tough to come by. Every stumbling block that came up was handled promptly with grace and a very reassuring sense of calm. Peter's whole professional demeanor comes across as "Don't stress yourself out. I've got this." I've personally worked with Peter two mortgages and two refinances now, and I also referred my sister to him for her mortgage. I couldn't be more happy with the way he handled our business and I would highly recommend him to anyone who gets hives at the thought of signing over their life to buy a new house.

Time and time again Rich went above and beyond, always exceeding expectations and over delivering…read more From taking on the daunting effort to obtain VA approval for an HOA (an incredible feat!) to supporting us navigate multiple (Multiple!) lender issues, he was an tremendous assest in our corner, no chance we would have found success without him nor with anyone else. Honestly, cannot thank him enough for all he did, has my highest recommendation!

I am so grateful to have had Rich's help in finding a Condo. I didn't even know that buyers agents…read moreexisted, and I had found my way to National Association of Exclusive Buyer Agents at naeba.org on Thanksgiving day. I signed up the site to find a buyer agent and Rich contacted me that evening, Thanksgiving evening! He spent quite a bit of time asking exactly what I was looking for and set me up with a website I could log into to see condos that met my criteria. I found ones that I wanted to look at, we met and looked at a few places. I found a place I liked, he helped me with negotiation then helped me find a great home inspector and an excellent lawyer. He helped me with any questions I had, which I had more than a few, and I've got a condo now! I recommend Rich and the Harty Group. I was a bit afraid that since I was looking for a cheaper place, that I wouldn't get the best help or that I would need to pay out of pocket for an agent, but there was no need to worry. I am so pleased with the service Rich provided! He really knows his stuff and seems to enjoy doing what he does, helping people find their new home.

Highly recommend this company!!! Tory secured a commercial…read moreloan for me in Jan of 2009 when no bank was lending. Amazing service and worth every penny!

I have had the pleasure of working with Tory and his team on two (2) home purchases and at least 3…read moreRe-Fi's. I can honestly say CRMS are super ethical, attentive and customer focused. They never lose site of the fact that thier job is to shepherd you through what is a very difficult and potentially painful process...and they do it with class and style. Highly Recommend using them for your next home purchase or refinancing opportunity!

As first-time homebuyers, we couldn't have asked for a better mortgage team than JC Financial. From…read moreour very first meeting, Jake and Lillian demonstrated an incredible level of professionalism, expertise, and genuine care for our family's best interests. Jake took the time to walk us through every step of the loan process and provided us with a detailed estimate of what to expect. What impressed us the most was how incredibly accurate those estimates were--when we sat down at closing, the final numbers were almost exactly what he had projected, differing by only about $100. That level of accuracy and transparency gave us so much confidence throughout the entire process. We even explored whether there were better interest rates available elsewhere, but after comparing our options, JC Financial was still able to secure the best rate for us. It was obvious they weren't just trying to close a loan--they genuinely had our best interests in mind and worked tirelessly to get us the best possible outcome. Jake and Lillian were always available whenever we had questions, whether it was during the day, in the evening, or over the weekend. Every phone call, text, and email was answered promptly, and they never made us feel like we were asking too many questions. As first-time buyers, that level of communication and patience meant everything. They worked incredibly hard all the way through closing, carefully reconciling the numbers between the seller, lender, and everyone involved to make sure everything was accurate and seamless. Their dedication, diligence, kindness, and exceptional customer service made what could have been a stressful experience feel smooth and organized from beginning to end. If you're looking for a mortgage company that is honest, knowledgeable, responsive, and truly advocates for its clients, I cannot recommend JC Financial enough. Jake and Lillian work incredibly hard for their customers and have earned every bit of their outstanding reputation. Thank you both for making our first home-buying experience such a positive one! We are officially home owners today thanks to Jake and Lillian's hard work! I cannot recommend JC Financial highly enough. Jake and Lillian are knowledgeable, honest, responsive, and truly put their clients first. If you're looking for a mortgage lender who will work tirelessly to secure the best rates and make the process as smooth and stress-free as possible, look no further. We are incredibly grateful for everything they did and wouldn't hesitate to recommend them to anyone buying a home.

Jake Chung and his team were extremely punctual and reliable. I will continue to use JC with my…read morecurrent and any future financial projects. Jake and Lillian truly cared about my success and wanted to make sure that I was taken care of.

Finding Whitney Wilson (of Berkshire Hathaway and Starck Realty) in 2022 was the best luck we've…read moreever had! We were in the market for our first home and I was given her name by the VP of a well respected local bank's mortgage division. From the moment we met I could tell she had a great personality and was incredibly driven - she made it clear she'd do whatever she needed to do to find us the perfect home in our price range, despite the competitive market. She made herself available for as many showings as we needed and used her network and the private MLS to eventually find us a perfect home that had not currently listed on the public market yet. With her help we were able to submit a competitive offer and secure a home well within our budget before our apartment lease was up. The sale went quickly and smoothly and she was there to guide us every step of the way, providing excellent vendor recommendations and advice. It should come as no surprise that we reached out again when we needed to sell our home after unexpectedly finding out we were pregnant in late 2024. Whitney walked us through the selling process, gave us great insight on how to maximize interest in the property and provided all the tools we needed to ensure it showed beautifully and got us top dollar. In fact, our house sold again on the private market due to her tips within just a few days of listing that it was coming soon. We credit her with helping us choose a solid house that held its resale value and even appreciated over the short time we were in it (with minimal maintenance needed.) Closing was quick and easy and I credit Whitney with making our first home purchase/sale experiences as seamless as possible. I would 1000% recommend Whitney to anyone needing a home - she is top notch and will go out of her way to advocate for her clients to ensure they get exactly what they need out of their purchase and/or sale. You're the best, Whitney! We can't thank you enough and are glad to have met you! Our housing guardian angel!

As the owner of an estate sale company, I have had the pleasure of working with numerous realtors…read morein the past years and have seen firsthand how they work with their clients. AMY PREAVES of Crystal Lake stands out as one of the very best I have ever seen. I have had the pleasure now of working with 2 of her clients, and I have to say she was just the sweetest and most hard-working realtor for both of them. She will go out of her way to make sure everything runs so smoothly. Recently, I had a problem with one of her client's garage codes not working properly. I CALLED AMY FOR HELP WITH THE CODE BUT INSTEAD SHE RAN FROM HER OFFICE TO HER HOME GRABBED ANOTHER KEY AND RAN ALL THE WAY TO HER CLIENTS HOME TO HELP IN THE MIDDLE OF HER BUSY SCHEDULE. She truly is amazing. If you're looking to sell or buy a home I would highly recommend Amy. She is absolutely amazing!!

I can't say enough about Beth and her team at Cross Country! I was unhappy with a previous lender…read morebut felt stuck since I had only 2 weeks to close because I had to be out of my rental. Not only did they get me a lower rate they got me to closing in just 10 days! Their service and dedication to expedite the process for me was amazing. As a first time homebuyer they kept me informed throughout each step and truly lightened the burden of a stressful situation. I can't recommend them enough and will definitely use them again in the future!

I'm a first time home buyer, so I'm not sure how it all works and I don't have a lot of reference…read morepoints. But as an accountant and someone who cares a lot about customer service, I know that Beth Lewis knows her stuff and she communicates it clearly, kindly, and quickly!! I know I'd be hard-pressed to find a banker who worked to find me a good deal, let alone a banker who worked HARD to find me the best deal. Beth knew during the pre-qualification process that I'd qualify for some programs for down payment assistance. But during the loan application process, Beth and her team found me even more assistance! My closing costs were basically non-existent, which apparently never happens? I'm forever grateful. On top of getting me a great deal, I really just appreciate Beth's phone-side manner. After I found a unit that pushed the edge of my prequalification, Beth let me know kindly, but very clearly, that it was just not in my price range. I couldn't even be disappointed. All of our calls regarding the unit that I did buy went along the lines of "actually your monthly payment will be even lower, it will include x, but it won't include y, keep that in mind. Does this work for you?" Of course it works for me!! It's amazing! Even with all of the assistance applications and grants and forms and condo-related paperwork, Beth and her team finalized my loan less and I closed less than a month after I even saw the property. I didn't even think that kind of turn around was possible!! Thank you so much to Beth and Meredith and Sarah!!!!!!! (not sorry about all the exclamation points. you gotta do what you gotta do.)