I called to inquire about current rates & got transferred to 2 different people that day to get…read moresuch. Lots of pressure to take a loan app, I said I was doing my due diligence & was not going to do a loan app that day. Then what really took the cake was I got a text message from Amy the following Monday stating the Fed had lowered rates, I immediately Googled such & found no such news. I texted her back asking her to send the link to confirm such. She said she didn't have that article but continued to try to get me to make an appointment in 3 more text messages. I told her I wanted nothing to do w an organization that was trying to mislead me w falsehoods. I asked for her NMLS#... no response so far.

Knew going in our needs were not traditional. We made sure they knew our situation. We feel like…read moreour original conversation was completely ignored. Ever time you talk on the phone they make sure to tell you its being recorded. They didn't have the decency to play it back and justified turning us down because we were doing a Remodel. I never once used the term Remodel. Total CYA Total Bummer because I heard of this company through 2 of my favorite radio personalities.

Angela was amazing to work with! She helped us with financing for a new construction home and also…read moreto refinance that same home when the rates dropped and it made sense. Angela is very knowledgeable and walked us through the different options we had available. We had some more complicated moments during COVID with rates and what options were available but Angela didn't give up finding us the best solution for us. She is more concerned with setting her clients up for success than collecting commision. She truly cares that each of her clients end up with a personalized solution that works with their short and long term goals. I would love to work with Angela again if the situation ever presents itself and highly recommended her to anyone looking for a mortgage broker.

I cant speak more highly of Angela. She has helped me with both a refi and a new home purchase and…read moreshe was so great for both. She really explained my options and walked me through the process. The rates she got me were the lowest out of everyone I got quoted from. She is also super responsive, I could always get a hold of her. She makes any loan change so easy. Use her, you wont regret it!

My wife and I just refinanced my house with Michael and I could not have been happier with the…read moreprocess. The rates and fees were better than I expected and I was blown away how easy everything was. As a business owner, I was expecting a lot of requests for additional documents and explanations of my expenses and write-offs however this never came up. I would recommend Michael to all of my friends and family members.

I have worked with the Michael Shotnik Team for a long time, both on purchase and refinance. Mike…read moreand his team do an outstanding job of explaining the mortgage process to borrowers and helping them get under contract on their home. Mike always call the realtor selling the home and introduces himself and explains what all he has already done to get your loan closed when the house sells, making your offer really strong. I highly recommend the Michael Shotnik team to anybody looking to buy a home or refinance their existing mortgage.

Great communication and jumped right into our loan immediately. They took what was being told to us…read moreby other lenders as a difficult situation as self-employed borrowers and made it easy. Highly recommend!

If you need someone who's on your side and will help you navigate the complicated mortgage process,…read moreKari is your person. She was amazing in making me feel cared for during a difficult time in my life. She couldn't have been nicer and more professional. I count her as a friend now and know that you'll be happy with her work. I have used her for my refinance as well and she is always great to work with. Definite recommend.

The process was great with ULC. However, they are selling their mortgages to a sub par company…read morethat has multiple complaints about unethical financial business practices to which that company is now in a class action law suite. I had to refinance again with a more reputable company to get out of the shady company my loan was sold to by ULC.

oh, my gosh, what a racket! Universal Lending (Sarah) has…read moreroyally given my daughter and her husband the shaft! It took Two months to get a refi, they charged them thousands, they lied to them about the 'research' they were supposed to do, and ended up with almost the same house payment. Skip this business.

I agreed with other review, if you get loan officer Tori Zimmerman, it will be bad luck. She is…read morevery bad, she approved everything at beginning, lack communication, until about closing the other loan processor yelled at me because they still need this, that documents, Tori never told me those things & what I have to do. No news since pre-approval until closing. I saw her biography, she doesn't have experience or specific in loan officer job, or accounting something like that, except other things such botanical, education, etc. No wonder as loan officer at Inspire she lack knowledge. I have enough, she make enough troubles.

They are working with us very fast service we are purchasing a home thru them and we are not…read moredisappointed with the service they provide

Paul is super helpful with tons of loan products, industry knowledge, & great with all Buyers. He…read moreis easy to talk to, highly responsive and always willing to help answer all your questions.

From the owner: Smarter Home PAULsibilities - We empower homebuyers and homeowners to Unlock Happy Homeownership…read morewith Smart Financial Moves to maximize buying power and minimize cost. We are a mortgage broker in Denver, Colorado that caters to all borrowers' real estate and home financing needs. Whether buying your first house, dream home, refinancing, or on a timeline of 10 days or 10 months, we can help! We simplify the home loan process, save you time and money, shop mortgage rates, and have access to 150+ of the best mortgage lenders and loan programs including: Conventional, FHA, VA, USDA, Jumbo, DPA, Alternative Financing, Home Equity, Investor, Reverse, Refinancing, Cash Out, Debt Consolidation, and more. Thinking of Moving? Let's Talk! NMLS #1697336 | #891464 Edge Home Finance

I recently worked with for a refinance and he made the entire process seamless. Finance is not my…read morestrong suit so I was worried, but Rod made it completely pain-free. He and his amazing team took care of every single detail and handled the heavy lifting from start to finish. If you want an stress-free experience with true experts, I highly recommend Rod!

Several years ago we worked with Rod with Journey Home Lending for our mortgage, and re recently…read moreworked together again on our refinance. We appreciate Rod's willingness to explain everything every step of the way, and his open-book approach. Best of all, Rod makes sure that all the pieces are in place well ahead of time, avoiding any stressful scrambling in the 11th hour.  Rod has been a pleasure to work with, and we will continue to recommend him and his team to friends and family.