I contacted Stephen Campbell (Stephen Campbell, Senior Loan Officer NMLS #96217) to work on our refinance. He offered ability for float down, a low interest rate with no fees, on the surface everything seemed great. When we tried to lock the next day, all of a sudden he said he had 2K in fees. At the time I didn't check other agents in his company so I agreed since 3.5% was such a low rate at the time (end of January 2015). I wish I had worked with another agent because when I did check, other agents gave me the same rate without the 2K fee. Stephen was condescending and argumentative, overall difficult to work with. While we were trying to close our refinance, he was on vacation and he didn't even notify me or let me know to contact someone else. Then when he picked up my call, he was exasperated that I called him during his vacation. Which is absurd because I was never told beforehand that he was leaving in the first place! Had I known, I would have been fine to follow up with someone else. Other gems during our conversations - "Oh I know our online site says your loan was submitted to the bank, but in fact it was not and we will need more time to hear back from the bank. Nobody uses the online site anyways", "Oh when I said that the loan was being submitted for approval what I REALLY meant is that it goes to our internal team first and not really to the bank yet." In the end, the refinance was still rejected. Overall a bad experience and a waste of time and energy. Luckily I was able to close with another bank instead at a low rate. read more

On July 15th, I officially closed on my Jumbo Mortgage loan with Mortgage Master, using Stephen Campbell as my loan officer. Not only did I get a great rate of 3.50% on a 30 year fixed, but there were lender credits paying for every single penny of the closing costs. I'm not sure how Stephen or this direct lender gets such good rates, because when shopping other lenders, most lenders were quoting me much higher rates of 4% or even higher ( due to the loan being a large Jumbo). Stephen was always available to take my calls. He was always very informative with a direct no non-sense approach. At one point during the process, there was a market- improvement, and without even having to ask him, even though my rate was locked, he requested a float-down on my behalf to an even lower rate. As a result of this good service, I have since referred 2 family members to Stephen, and they too now have loans in process at these great rates. This lender takes no short cuts on processing. Some of the documents they asked for did seem silly. I just sent them in without a fuss. I didn't mind having to jump though some hoops to save such a large amount of money over the life of the loan. PS: Even after closing, I got a nice box of Dancing Bear cookies shipped to me as a thank you closing gift from Stephen. I thought that was a nice touch. read more

Steve is the man! He closed a refinance for my parents in California that other lenders weren't able to do. He actually said it was pretty standard but it is probably because he has a lot of experience. His service was great! Steve is a straight shooter and I would highly recommend giving him a call. We had 0 closing costs and our rates were extremely low. read more

I was misead and lied to by Will Scott over 12 Grand more than it should have and paid off a bill that I didn't owe it was over $500 I have to fight with the town to get the money back and they don't want to be bothered with that fact. He changed $ back more than once always after telling everything was good, I asked to have him removed from my "case" but that never happened and once again SCREWED read more

Stephen Campbell is the best mortgage specialist I have worked with. He is very professional, to the point, trustworthy and always follows up and accessible. He helped lock in 30yr fixed mortgage for my jumbo loan at 3.5% with cash out. He was instrumental in timely closure of the loan,and there were no surprises. I highly recommend him and his team at Mortgage Master. Job well done Mortgage Master ! You have a super satisfied customer in me :) read more

Before I contacted Steve Campbell, I had been working with another mortgage originator who was not creative in any way and wouldn't even return my calls. One phone call to Steve changed my opinion as to what's possible when you work with a professional. In that call he talked to me for close to 30 minutes, going over all the details of my particular situation. I kept waiting for him to try and get me off the phone, but that moment never came. Shortly after, he locked in my rate and I got all of the paperwork. Now because I had previously worked with somebody (relatively recently), I was able to compare Mortgage Master's fees to the other guy. Lower in every aspect! And I pick up on things quickly, but there were still some lingering questions. One phone call to Stephen and every question was thoroughly answered. There were a few instances where I felt like I was in the dark, for instance, I was surprised when he was not at the closing. But I can't even imagine all the calls he's fielding on a daily basis, all at different stages of the process. It's difficult, I'm sure, to extract yourself from the process and look at it from each client's perspective. All in all, it was a great experience working with Steve Campbell. My house has been refinanced and I'm in a good place. Thanks, Steve, for being a pro! read more

I checked with all the mortgage brokers I could, including my private banker, my broker, and competitors. Stephen Campbell was amazing. He understood not only what I wanted, but he gave me better advice than I gave myself. He was creative, hard working and incredibly well informed. He never gave up, even when my profile had components that did fit the standard application forms. I got the best rates, the best service and the best support from the team I could imagine. I had a fabulous experience and recommend Stephan and the team to anyone, any time. Stephan read more

My husband and I have worked with Stephen Campbell for several years now and we recently just refinanced our home with him. He was able to get us a great interest rate and we did not have to spend a single penny out of our own pocket for anything. Stephen has always pointed us in the right direction and has been direct and forthcoming in his advice to us. That is very refreshing because in today's world, most people are just willing to tell you what you want to hear even if it's the wrong this for you. He has helped us purchase a home, refinance two homes, and given us advice on renting a home (where we are the Landlords). And what's great is that after closing on all of those transactions, Stephen hasn't forgotten about us. He checks in with us, makes sure we know about changes in interest rates and potential refinancing opportunities, and whenever we've needed him, he's been available. He really has become more like a friend and can be trusted to do the very best for his clients. Every time we've had the pleasure of working with Stephen he has shown us time and time again that he really cares about his clients. Great job, Stephen! Looking forward to working with you in the future. P.S.: Love the recipe cards and boxes of brownies and cookies we've received as a thank you....they are so good!!! read more