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    John Paul Mulchay

    5.0 (1 review)

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    9 years ago

    John Paul has been very helpful and patient with me. I highly recommend his expertise in home mortgages.

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    Kari Phillips - More Cozy Chairs

    Kari Phillips

    (26 reviews)

    From an employee standpoint, I feel called to post as I had spent 5 years helping Kari build her…read morebusiness. Through the height of refinances and the lul of the last 3 years, I was there by her side. After 5 years, I decided it was time to move on and gave both Kari and Cody ample notice. The amount of retaliation and gaslighting that ensued was horrifying, even after I extended my final date, per Kari and Cody's request, to assist in transition. After multiple nasty texts from Kari on my last day she had confirmed she would not be paying me my agreed upon and earned commission, which is a significant amount. Unfortunately, this isn't new for Kari and is not the first time she hasn't paid an employee for their work. Unfortunately, she chose to end our relationship on a poor note, after 5 years. I would never recommend her or her team to anyone looking to obtain a mortgage.

    Kari and her team at Guaranteed Rate were phenomenal in supporting us with our refinance. We had…read morelooked multiple times at refinancing with several brokers who had great recommendations. With all the other brokers, they said we were too far into the loan to make it worthwhile. Kari was able to save us over $300/mo which adds up to a substantial amount over the remainder of the loan. In addition to the savings, we loved the ease and transparency of the process. Everything was done online and we could always see what step we were at in the process. We had the whole thing done in about 3 weeks, which was fantastic as we knew we would be traveling at the typical one month mark. I have recommended her to everyone I know who is considering a refinance or buying a new home. I have nothing but positive feedback from everyone I've sent her way!

    Crosscountry Mortgage - Twyla Gray

    Crosscountry Mortgage

    (30 reviews)

    Working with Twyla Gray for my home purchase was an outstanding experience from start to finish…read more The loan diligence process is inherently detailed and often demanding, but Twyla managed every phase with a high level of professionalism, precision, and efficiency, making the entire transaction feel streamlined and controlled. Twyla's attention to detail was exceptional. She maintained full command over underwriting requirements, documentation, and timing, consistently staying one step ahead. Potential issues were identified early and addressed proactively, which minimized friction and kept the process moving forward without unnecessary delays. Her communication was equally impressive. Twyla was consistently responsive, clear, and thorough. I was never left uncertain about status or next steps. She took the time to explain key aspects of the process when needed, ensuring I understood both the mechanics and the rationale behind each step. Just as important, Twyla is highly solution-driven. When challenges arose, she approached them with a calm, pragmatic mindset and worked through them efficiently. Her ability to navigate complexity without creating additional stress made a meaningful difference throughout the process. I would absolutely work with Twyla again and highly recommend her to anyone seeking a knowledgeable, reliable, and results-oriented lending professional.

    I would like to say how Cross Country mortgage, really did a good job with…read moremy refi, and Twyla Grey and her team saved my summer... I had a problem with my AC unit and after talking with Twyla, we were able to come up with a solution.., so now I m able to enjoy my life and my summer, thanks to the timely refi, we worked out. Twyla ,Thank You... Thank you.... : )

    Tim Deibert - Note A Mortgage Agency

    Tim Deibert - Note A Mortgage Agency

    (35 reviews)

    Exceptional service from Tim and his team! I was referred to…read moreTim by my brother's real estate agent after Tim had successfully helped my brother close on his house. At the time, I was already under contract with another lender, but I wasn't feeling confident about it. The other lender wasn't transparent about the fees, kept things vague, and made everything "sound" perfect--claiming my loan was so complex that only he could handle it. That's when my brother suggested I give Tim a call, and I'm so glad I did. From our very first conversation, I knew I had found the right person. Tim is a straight shooter--he told me upfront about all the fees I'd be paying and didn't sugarcoat anything. Not only that, but he was able to lock me in at a better rate than the previous lender. Tim was always available whenever I had questions (he even gave me his mobile number) and made time for me, even on a Sunday when he was at church! He promptly answered my realtor's questions and provided a necessary letter within hours. Hattie, Christopher, and the rest of Tim's team were also fantastic. They were always quick to respond to my messages, kept me fully informed on the progress, and made the entire process seamless. Hands down, Tim and his team are the best lenders I've worked with to date. If you're looking for a dedicated team to help you close on your dream home, look no further. Tim is the guy you want in your corner.

    Amazing service from Tim and his whole team from beginning to end! Tim will keep you updated with…read moreevery single step of this whole complicated process and will provide exceptional service. He is ALWAYS available to answer your questions and to discuss concerns. Tim and his whole team always went above and beyond. I will surely be requesting their services in the future!

    John Paul Mulchay - mortgagebrokers - Updated August 2026

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