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    Nate Dillard

    5.0 (1 review)
    Open 9:00 am - 5:00 pm

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    3 years ago

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    AZ Home Loans

    AZ Home Loans

    (7 reviews)

    I hate to have to do this, because as a person I really liked my loan officer- but I feel like I…read moreneed to warn others. This company gave us a full bait and switch. They use high pressure sales tactics to convince you they're giving you the best deal when the jig is up, and will feed you many things they think you want to hear just to agree to what they're offering. When we began the preapproval process with them, we only ever talked about a single DPA program where the down payment is forgiven. Never once were any other options discussed or offered, and our preapproval paperwork was for the primary loan only. Once we were under contract we found out that they had actually gotten us a high interest second loan for the downpayment- NOT what had in mind. They proceeded to go back and forth on several things, including whether or not my interest rate was locked, what the interest rate would actually be, price of closing costs, etc. Never was anything straight forward. I was continually asked to sign paperwork that was significantly different than what my LO was telling me my loan would look like, and that it would be changed later. They advertise as a no fee lender, but they either add in a $5000 broker fee to closing costs OR 1.5% on your loan (which equates to tens of thousands of dollars). Worst was, when I found another lender, I was subject to high pressure sales techniques sprinkled with contradictions and blatant inaccuracies. I'll spare you the detail, but I cannot not even tell you how many misrepresentations, coercions, and outright lies were used in my dealings here. Again, I thought my LO was a nice person and probably just trying to make it. However, this company is predatory. Don't walk, run. At the very least, do your OWN research, be skeptical and ask for ALL the details every step of the way, and compare your options with another lender. Once I worked with another lender I realized how straightforward and matter of fact they were, I realized how much stress trying to work with this lender was.

    My husband and I worked with Jordan at Affinity Mortgage on the purchase of our home in Gilbert in…read moreJuly-August 2013. I can't speak highly enough of this company. Not only were misc fees CUT that another company was wanting to charge us, but our rate was RIDICULOUSLY low. In addition to all this, Jordan was kind, responsive and on the ball when it came to closing our loan so fast. Even with a few bumps in the road (not from their doing), they were still able to blow timelines outta the park. I recommend them highly to all friends and family members!

    Federal First Lending

    Federal First Lending

    (2 reviews)

    I first spoke wth Kimmer O'Brien about arranging a $900,000 bridge loan in order to buy a smaller…read more home before I sold my $1.5M home. I had been contacted by several lenders, but when the going got rough Kimmer stuck with me. I retired 20 years ago. My home has been paid for for many years, and I do not owe anyone anything. I pay cash for things like new cars ($50,000) and have a good retirement investment amount. I do not trade stocks as I carefully selected my portfolio, (bonds and stock mutuals), and they have served me well. So I was shocked when I received my "fair" credit report from only one of the three credit agencies. The others would not report as I did not have enough open accounts! I expressed my frustration to Kimmer who has now helped me get it sorted out with the three agencies. As we were getting it straightened out, my son, an ex-pro football player who just sold his Fortune 500 company found out my situation and wired me $1M to buy the house with no interest. Kimmer gave me a lot of help at a time it would have been easier to just walk away from it as the others had. I respect Kimmer greatly as he is certainly a man of integrity. Michael Moore Morgan Hill, Ca

    If you are finding the economy in 2023 is making it impossible for you to make ends meet, live…read morecomfortably on your fixed income AND you love your home and neighbors AND you have equity in your home then please give Taylor Coulton and Federal First and let him explain the benefits of a Reverse Mortgage. We are 84 and 75 with no children to inherit. In our home since 1986 with a ton of equity just sitting there. I called Federal First Lending and got a recording, so I hung up, leaving no message. In just a few minutes, a nice young man called our number and said he had had a hang up on his line, he introduced himself and offered to help us. That was the beginning of our relationship with Taylor Coulton and Federal First Lending. They are a small mortgage brokerage firm, but extremely knowledgeable and very pleasant to do business with. I did a fair amount of research prior to calling them about a Reverse Mortgage, but they made sure I knew all of the ins and outs of the Reverse Mortgage rules. We completed our Counseling Program, Real Estate Appraisal, and Loan Approval process in 3 weeks and we closed on our Reverse MTG. We are in Florida and they are in AZ, we signed some papers on line and some, a mobile notary came to our home for us to sign. We can now plan for big expenditures, like a roof and new windows with out going into debt on our fixed income. Taylor has changed our lives and we are so grateful to him. Best wishes to you, your fiancee and business partner. We know you will be extremely successful! Kindest regards!

    Nate Dillard - mortgagelenders - Updated August 2026

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