I see most reviews here are for loan refinances. Well, I'm here to tell you that HLE also offers great services for new home loans as well! Like many reviewers, I was skeptical about doing business with an unknown Internet loan company. Are their rates and costs for real? Do they really exist? Will they answer your questions? Can you actually get those great rates? Yes, yes, yes, and YES! Will this company do all the work for you while you sip margaritas on the back porch? NO! - This is not a magical company that erases bad credit and does all the work for you - but if you have your ducks reasonably in a row, and you are willing to take on what YOU need to do promptly, my gosh, you cannot get a loan closed and funded ANYWHERE else for less. I worked with Huber B. Jr. and Joy L. to establish a loan for purchase of a vacation home in another state. Kinda risky - I know. But HLE rates and website just offered a super deal I couldn't ignore. It actually was close to "too good to be true" territory. But I read the reviews and decided to take the chance anyway. I knew that I'd have to do some work, and I did. You have to provide what they ask for. In this day, to get a GREAT deal on your loan, you have to prove your income, be transparent with your finances and history, and quite frankly do not get cranky over answering several inquiries if you expect to get these great rates. If this is not you, then do business elsewhere and pay more money in fees, closing costs and interest rates. Simple as that! So - responsiveness? How about HLE's prompt answers to EVERY email, and some with very detailed answers requiring calculations from them? WOW. Joy could not have been more delightful in providing customer service. I mean - WOW! I was even a bit embarrassed about how many emails I sent, but she or Huber answered them all, promptly and professionally. Phone calls were fewer, but they answered each one. And there was no "let me put you thru to this person handling your loan (and the call goes to voicemail). No, they worked my entire loan every step of the way. Their automated website allowed me to painlessly upload my docs to them quickly. Their docs to me could be signed electronically - no printing, signing and return faxing! I mean, these are the little things that HELP a process that can be long and tedious. Now, my finances were pretty straightforward. My credit was good. I didn't have 3 jobs or part-time income to prove, or other oddities. (I don't know if that would be a problem, but just saying I didn't have stuff like that.) But I was trying to finance a second home, and so that was out of ordinary. But boy, did they help, and again, answering questions so promptly meant SO much to me. Oh, and this is a real review by a satisfied customer. And I got exactly the interest rate and low fees that were promised. Awesome! No delays to make you lose an interest rate, no waiting and wondering. Did it all go perfectly? No. I had to send some additional docs and bank statements that I felt were redundant. There were a few questions that I thought were a bit nosey. It's not like it was a few years ago. YOU HAVE TO BE MORE TRANSPARENT than you were before, and even provide tax documents - but this will mean fewer bad loans folks! So go in figuring there may be some irritation, but again, the goal is a low cost loan that closes smoothly. Even in crunch time, with me waiting to close and the Title Company found to not have the right insured notary to allow signing of the papers, HLE expedited finding a new qualified signing officer and the delay was kept to one hour. I think a company is known for how they handle adversity (if it comes up) and HLE came through. Oh, and my loan amount? Very small potatoes. They didn't do this for me based on some huge amount of money. So if this is how they treat a small loan customer, you can rest assured you will be in good hands, regardless of your loan amount. I'll refi or have them handle any of my future loans in a heartbeat. Thank you Joy and Huber - and HLE! read more

Home Loan Enterprise (HLE) has an awesome, on-the-ball, top-notch team in Huber Bongolan and Aaron Garcia! I am a scrupulous consumer who not only wants to know what's happening as it's happening, but (more importantly) I want to know what's going to happen before it happens. I like being involved and ahead of the game so that I can make informed decisions with adequate time to do so. Huber and Aaron always met this level of standard of customer care, with a smile, and helped me make it a reality. The entire refinance process was so very well-handled by them, each step of the way, and I am exceedingly pleased with the end result. Here's a quick summary of what I experienced: - The HLE website is unique and informative; real-time data can be ascertained for consumer edification, unlike other websites - HLE's rates and pricing were transparent and posted upfront, and consistently on the lower competitive edge (I never saw any better rate and pricing from any other lender and, believe me, I was looking) - From the get-go, their professional style and ability to quickly duplicate my scenario and goals were spot-on - Their knowledge and expertise with the ever-changing industry was absolutely reliable - They were always fast to respond and diligent in all respects - The rate and pricing I locked in was true to the end; no surprises or add-ons; and the final pricing was even less - HLE's independent real estate appraiser was prompt, professional and courteous - I had the utmost faith and confidence in both Huber and Aaron as we moved through the refinance process; they earned it early on and it never wavered - HLE provides a secure link to upload your financial data (very important in today's criminal world of identity thieves) - The document signing was convenient, easy and also professionally handled - Everything worked out perfectly, as it always should Working with HLE, Huber and Aaron was definitely a successful action. If you expect a similar experience, I urge you to call on them. read more

Over the years, I have dealt with many banks, brokers and loan officers in completing the purchase of 4 homes and many refinance transactions. My recent refinance with HLEmortgage was by far the easiest and the most professional, honest and trustworthy folks your would want to deal with when embarking on the most important financial journey ever My loan officer was Thysy, who I started talking to in January 2017 about refinancing my current home but base on my situation there were certain criteria that had to be met by a specific date. At the same time, the big headline with the media and the Feds was about rising interest rates. Of course, I was disheartened and frustrated that I would not be able to lower my current 5% plus rate. From experience, Thysy sensed my frustration and told me to be patience and trust him. He was so right, although rates did jump to over 4% in time they cam right back down. I was upfront with Thysy and told him I was also shopping around, which he encouraged. I now know why, When you are competitive, honesty, trustworthy and fair with your client, and of course offer the VERY BEST CUSTOMER SERVICE those are more than enough traits to blow the competition away. HLE mortgage you did. Some of the other companies told me I was wasting their time talking to other companies, really!!!!!! C-----wide. My loan was closed successfully in June 2017 and in record time with all the transaction being done on line. I have since referred my Sister who close her loan in July 2017. I am a little late with my review but OULDNOT/COULD NOT be happy with myself if I did not write this review. My fellow consumers, Thysy and Home Loan Enterprise Mortgage will be my go to home loan company for life. read more

Home Loan Enterprise is a top notch operation with outstanding customer service and excellent loan products. I worked with Roy Eun and Rachel Goolsby, and I can't say enough about their attention to detail, efficiency, and ability to listen and communicate. I was directed to HLE through the Bankrate.com website when I began shopping for a 30 year fixed mortgage to get out of the 10/1 Interest Only ARM that had recently adjusted. I felt pressure to get out of the loan as I saw the 6 Month LIBOR creeping up, but I absolutely dreaded the loan process, fearing that it would take months on end to close on a refinance. Roy and Rachel took the time to understand my borrowing needs and found me the combination of rate and closing costs that worked for me. They know what they are doing and it was very easy to put my trust in them. I never felt pressured or talked down to. They made the process clear, outlined my options, and let me make the decisions for myself. When I had issues with the mobile notary service they assigned toward the end of the process, they got on top of it, resolved the issue rapidly, and ensured that I was satisfied. I got an awesome rate with very low closing costs, and the loan closed in less than six weeks from Roy's first introductory e-mail. I would highly recommend Home Loan Enterprise to anyone looking for a mortgage, and will not hesitate to call them the next time I need to buy or refinance a property. I never imagined that refinancing my home would be so painless. Roy and Rachel are evidence that good service, competence, and personalized service still exist in the internet age! Thank you!!! read more

This was our first time refinancing and I didn't know what to expect. I initially chose Home Loan Enterprise because I was able to get the information I needed from its website and I especially like the free GFE feature. It helped me to determine the types of fees required and it made the comparison of rates so much easier. After shopping around a bit, I find one other company that offer rates similar to the rates offered by Home Loan Enterprise. At the end, I went with HLE because I felt very comfortable working with Huber. Huber was knowledgeable, helpful and he wasn't pushy or hard selling at all. Another thing I like about HLE is their secure document upload feature where I don't have to worry about my private information being stolen somehow. Later on, I worked with Rachel to get all the documents processed. We had some issues during underwriting, but Rachel was always on top of things and she made sure that we understood what was needed and how to get things done. We were on a time crunch and I was afraid that we'd have to extend the loan lock somehow, but at the end, Rachel was able to pull it through for us. Just the night before we went on our vacation, we had a mobile notary at our house for us to sign our loan docs. Overall, I'm very satisfied with HLE and its customer service. I had a very pleasant experience working with both Huber and Rachel. I'd definitely recommend them! read more

Our thanks to Robert Velarde and Daniel Dinicola for assisting us with our loan. I was extremely discouraged when I started to research different lenders......they had money, but they didn't seem very nice or friendly. I reached out to Home Loan Enterprises and Robert called me back. I knew then and there that this was going to be a good company to deal with. We all have stupid questions because, thankfully, we don't borrow large sums of money everyday. Robert, on the other hand, lends large sums of money everyday and consequently, he became the friendly expert for us to lean on. Both Robert and Daniel made this process painless. Did we still have to sign a bunch of papers before they would give us the money? :-) Of course! But, my advice to anyone looking for a company to do business with is this: Home Loan Enterprises. If you go anywhere else then you'll be depriving yourself of dealing with kind, caring and just regular people like me and you. Did they pay me for saying this? Ummm, NO! As a matter of fact, I'll be paying them for 30 years!!! Robert and Daniel, it was a privilege to do business with you both. All the best to you both and to Home Loan Enterprises. read more

I just bought my 3rd home and this was the first time using hlemortgage.com as my mortgage lender. I usually go with Wells Fargo since I bank with them but this time I thought I'd try to get a better deal by looking online. I looked everywhere and hlemortgage.com had the lowest rates I could find and the fees were a few thousand dollars lower than my bank. What most people don't know is that rates can change really quickly, like a few times per day. What I found helpful about HLE is that I could go on their website any time I want to see what the rates looked like and how they would change throughout the day. Most of the other places I shopped didn't have such a good website so I had to always email the loan officer for what the current rates are and that was annoying because it would take a long time for them to get back to me and by then the rates would have changed again! The whole process was done online and I was able to do everything from my iPhone which was helpful since I don't have a printer or scanner at home. Now that the mortgage process has become much better than my bank, I'll be trying to purchase more property soon and using this company again. read more

I worked with Aaron Garcia (Mortgage Finance Advisor) and Anya deLeon to process a really fast refinancing. They both did a stellar job managing documents and all email and phone correspondence had rapid responses. Home Loan Enterprise provides rates and fees on their website without requesting any personal or contact information and without contacting you. Their site provides several rate options and the different fees for each rate. I had submitted my information on another site and still getting bombarded with calls I have never answered and emails I never respond to. The whole process was completed in 35 days -- from application to funding. For closing, they send someone to you, anytime, any day. We actually closed on a Saturday morning in the comfort of our own home. While considering refinancing, I thought I had missed the window of opportunity. The rates had started rising and no other lender I contacted could offer a rate I was interested in for the fees involved. Even my current lender at the time. I had actually decided to not refinance until I accidentally found Home Loan Enterprise on the web. I couldn't have been happier. read more

The refinance process was as expected lengthwise and providing for document history .I started my application process in start of May 2013 and the loan funded mid June. I got the low interest rate and great customer service from An Ho and Daniel Dinicola. Filling out the loan application and gathering all the data requested on the checklist, took about a couple of weeks. The online file uploader is convenient and safe. The delays in time was for additional information needed and employment verification. An and Daniel responded promptly to my questions via phone call and email. They explained things thoroughly and were always courteous. The home appraiser was expedient and the mobile notary was convenient. The notary made a home visit with the escrow papers at our convenience. Slight complaint was that the rate could have been locked sooner for a slightly lower rate. I had to remind them to go ahead and lock when noticing that rates were rising. The final conclusion is that I'm glad to have gone with Home Loan Enterprise and I recommend them. read more

I absolutely would recommend this company to friends and family. I was working with another broker here in Austin and when I asked her why she couldn't get me 3% on a 15yr refi like the one I found online with HLE. She told me those "internet" rates aren't real or they make it up with higher fees. She said, just so I feel better go ahead and give one a try. Well I did and I couldn't thank her enough...too bad for her though because she lost my business because HLE was everything they quoted me to be. The process was very smooth and Huber kept me informed of all details along the way. I didn't have any issues or surprises with the process, other than one related to the appraisal (which is done through an independent company) and HLE remedied. Huber and his colleague Kyle were very professional, knowledgeable and expedient. I will absolutely consider HLE again for my next purchase or refi. Oh and of course I must add, the fees were very competitive if not better than what I was quoted here locally in Austin. read more

Scott Liu handled a refi for my mother recently. I am a real estate broker. Over the years I have witnessed the frustration and agony some of my clients have gone through to secure a loan through financial institutions for their real estate loan. Many were a complete disaster, where my clients had to start the whole funding process over with a different institution. Overseeing my mother's refi and the way Scott Liu guided my mother through the process was amazing. From the first conversation my mother had with Scott, he informed my mother of each document she would need, reviewed the documents himself before submitting them for the loan process. There were no additional docs my mother needed to come up with at the last minute, which happens with many other institutions. Scott is knowledgeable , professional and was a great asset in the loan closing smoothly, and on time. A true professional in his field! I will refer any new clients to Scott for their real estate funding needs in the future. read more

My daughter was buying a house and looking for a loan after getting denied by another bank due to a HOA litigation, I saw Scott Liu in a newspaper advertisement and called him for a pre-approval letter. I was skeptical at first since I didn't know anything about Scott or Home Loan Enterprise, but after a few phone calls with Scott, his patience and knowledge of the loan process made me decide to go with Home Loan Enterprise. He was able to approve the loan with the HOA litigation and locked in a great rate with a lot of credit to help paying for closing costs (I did shop around and Home Loan Enterprise had the lowest rate). We only had 30 days left from the close of escrow date and Scott was able to close the loan within 30 days from the date that I first called, he was always available by phone and promptly replied to my texts as well. He guided us through the loan process and made a difficult job simple, so I highly recommend Home Loan Enterprise for anyone that is looking for a loan. read more

May 2, 2013 Huber & Joy provide exceptional customer service throughout the entire refinance process. Huber clarifies the customer's needs and clearly outlines each step. I found this to significantly reduce delays and re-work normally associated with refinance. I was very pleased to discover the lion's share of the process could be completed online. Home Loan Enterprise uses a secure website to allow the user to download required documents saving precious time and money. Working with Joy was a pleasure. She explained the required documentation and sought clarification directly from me when necessary. Both Huber & Joy provided timeline and cost information upfront . Ultimately a menu of services and cost options were provided; the refinance interest rate and associated expenses were my decision. I will refer family and friends to Home Loan Enterprise and tell them to ask for Huber and Joy specifically. Thank you, AnneMarie Dowling San Diego, California read more

We worked with Steven and Joy on our refi. Compared to the refis we have done over the years there is indeed a great deal of documentation required these days. That is probably an industry reaction to the housing crash and probably the same everywhere. In fact, if you find someone still giving out mortgages without a thorough check THAT is the time to worry. On the other hand, the HLE secure document upload site made it easy to provide all the required data. Steven and the rest of the staff were very helpful and responsive, answering or returning calls quickly and with the information we needed. Other than having to compile everything that was needed the process was painless. When it came time to fill out the final paperwork it was brought to our house: from start to finish we never had to leave the house. We're 100% satisfied and would use HLE again. O yeah. The cost was far below every other option we looked into! read more

My experience with Home Loan Enterprise was one of the fastest and trouble free out of all my loan applications. It was able to close in less than 30 days once I sent them all the info they needed. I love the way I can get loan rates and closing cost on-line and able to upload any document securely on their website. The final cost was even better than there original estimate. I was working with Steven Lieu and Rachel Goolsby for my California property re-fi. They were very helpful in telling me what I needed to do and able to explain anything that I did not understand. They were very prompt in answering any questions I have either by phone or email. They were even able to help me pay off my other loans in Nevada using my re-fi. I was concern about extra cost of mobile notary service, but that was included in their cost estimate. I highly recommend Home Loan Enterprise for loans and will use them in the future. read more

In the past few years, I have refinanced my home through HLE twice. Scott Liu was my mortgage financial advisor for both transactions. I was so impressed with Scott and his professionalism with the first refi, that I chose him again for the second refi. Scott took the time to explain the process with both refi's in detail. Scott was always available via email or phone. Never was there a time that Scott did not return my phone calls or emails almost immediately, or within a few hours. With the second refi, I bombarded Scott with a myraid of questions as the goal of the second loan was to obtain a lower interest rate plus a cash out. Before Scott locked the loan, he took into consideration not only the lowest interest rate I qualified for, but also the lowest closing cost for the loan. I will continue to refer family members and friends to Scott Liu at HLE. Couldn't be more satisfied! Bev read more

We had been thinking about refinancing for a while, but just weren't ready to complete the process. I was just looking at rates online and happened to click on HLE's website from an advertisement on one of the pages. I was skeptical at first because of this, but being able to see the rates and estimated closing costs without having to submit my personal information was what hooked us (every other site wants your phone number/email address before they even show you the interest rates!). I went ahead and started the process, and received a call the same day from Thy. I was so worried that the quote was not going to match the final overall costs, or that there was going to be something hidden. Thy was so helpful through the entire process, which could not have been easier. In the end, we actually paid less than what we were quoted in the GFE! I highly recommend HLE and will definitely use them in the future!! read more

First off, we have to be very difficult customers for any home mortgage company--we are too busy and just don't feel we have the time to complete all the necessary paperwork. But Alex and Hieu Tran were persistent (in a friendly way) after we first reached out to HLE at the same time as some other brokers. They gently pushed us day after day to send in the needed information (while the other companies only followed up once). So of course we selected HLE to process our refinance...mostly because they worked hardest to get our business! The entire process was smooth. Alex promptly answered every question that we e-mailed her. She was persevering and patient even when my wife's company proved to be rather complicated for verifying employment. We were very happy with the rate and terms--very competitive--and will happily recommend HLE to our friends and relatives. read more

I must admit that I was a little bit skeptical at first working with a online company on something as critical as a refinance of your home mortgage. I got a copy of my good faith estimate from HLE and took it to my existing bank and asked them to help me understand if I should be leary of HLE's offer. My current bank was shocked at the rate I was offered, and advised me it was too good to be true. (I'm happy to say my loan closed last week, and it WAS true!) I worked with both Daniel and Huber, and both guys were an absolute pleasure to deal with. They were very prompt with emails and calls, and made me feel like their most important customer the entire way. It's rare in this day to find companies that are price leaders but also offer exceptional service. HLE did both fantastically. Thank you guys. read more