I had the absolute best experience working with Patrick Gallagher at Exhale Lending. Patrick is an…read moreexpert in all things real estate and lending--he walked me through every option available, from renovation and construction loans to standard mortgages, while also sharing insights on market rate trends, insurance providers, and smart loan strategies. He was always available for a call, even at odd hours and on weekends, and held my hand through every step of the process, which made things so much easier as a first time homebuyer. What stood out the most was his honesty and integrity. Even though he had the best rates and offers on the table, at the very last moment I received a discounted offer through my employer which was too good to beat. Patrick reviewed every competing option with me and genuinely advised that the employee discount was the better fit for my situation--even though it meant he wouldn't get my business. That level of customer care is rare, and it speaks volumes about his character. Patrick was always available for a phone call, saved me a huge amount of time and money with his guidance, and went above and beyond to make sure I felt confident in my decision. If you want someone who puts your best interest first, I can't recommend Patrick and Exhale Lending enough. He's the real deal.

Patrick was just absolutely amazing!!! If you want someone that will keep you posted from beginning…read moreto end it's him!! He is so friendly, professional, and spectacular code of ethics. Whenever I decide to buy another property I wont even hesitate in calling Patrick. Thank you for everything. And as you say CHEERS!

Stephen Livesay took the time to explain the details of our loan offer, and even helped us compare…read moreit to other offers, apples to apples. He answered many questions and had lengthy calls to assist us in making the best decision for our family. In the end, our builder's preferred lender offered incentives that Stephen said were actually worth "real money" and not just a shell game, adding fees here and there to make the offer look more appealing. He advised us to accept their offer and lock in the rate before any chance of changes. When we expressed shock that he would be so forthcoming when it didn't benefit him, he simply said that doing right by us would bring us back to his company in the future if we ever need another loan. He was absolutely terrific. (He also caught a major mistake that a big name bank made in their initial loan estimate to us. The big-name bank admitted that Stephen was correct.)

Made the process of purchasing our first home very easy. We got approval quick and knew everything…read morewe were getting into. I've heard horror stories about the underwriting process, but ours was relatively easy. Were definitely pleased with their services.

We had the privilege of having our home mortgage financed through Primelending. Our financing…read morespecialist, Delphine Amrhein, was an absolute pleasure to work with. She found a specific loan product that fit our financial needs perfectly. She gave us many options. Delphine was courteous, easy to work with, and incredibly skilled at what she does. She helped us navigate through the many hurdles now required to obtain mortgage financing without having to worry about missing crucial dates, like our settlement. She constantly stayed in contact and is easily accessible. Just an absolute pleasure to work with. I am confident she can manage anyone's mortgage needs and recommend her highly. Thanks Delphine!

Mutual of Omaha Mortgage guided me through my mortgage application process with professionalism and…read moresensitivity. Joe Spell and Eric Netherton kept me on point and, thanks to their expertise, my home buying experience went off without a hitch. I highly recommend this company to anyone seeking a mortgage loan.

From the owner: Mutual of Omaha Mortgage, a Mutual of Omaha Insurance family company, is a leading residential…read moremortgage provider that is committed to helping their clients protect what they care about and achieve their financial goals. Mutual of Omaha Mortgage is licensed to operate in 48 states and offers an array of home loan products at competitive rates. The company’s commitment to delivering a 5-star experience for every customer has allowed them to become one of the fastest-growing residential mortgage providers in the country. Mutual of Omaha Mortgage has an A+ rating from the Better Business Bureau.

Decided to go with Pathway Mortgage Group, Inc. for our first time home buying experience, instead…read moreof the builder's lender upon buying a new development home becasue we felt much more comfortable with Barb and her team! Even with multiple delays due to construction, Barb honored her agreement with us to cover closing costs like builder's lender would have. Barb and her team were responsive and very professional throughout the whole ordeal and made sure we knew the steps along the way! Could not recommend Pathway Mortgage enough!!

I've done a refinance through Pathway Mortgage Group, and it started off very well. I got a call…read morefrom Barb talking about how good of an idea it is to refinance, and how I can save money on interest rates, etc. I was promised a quick, painless process that would get me the lowest rate on the market (that came out to be true). Then I was told that if I "close" the refinance before a certain date, I do not have to pay the interest, which would save me a good $500-800. On top, I was promised to expect a "small gift" coming to my house right after closing. Well come closing date, the closing date gets moved with no explanation. Now the attorney is asking me as to what's going on, and I have no clue and no success at getting in contact with PMG. The closing date gets moved by a whole week, then another 3 days. At this point I knew I would have to pay the interest, and was regretting my decision to refinance. Finally, I get a call back from PMG stating the facts about my closing, with no explanation as to why they ghosted me. Come closing day, I go in to sign the papers, and sure enough at this point I owe more than $600 in interest. Mind you, my closing attorney tells me this, as PMG did not call to go over the closing statement or explain any of the charges. I was sitting at the attorneys office, calling PMG and asking about each number they put on there. What a nightmare, and embarrassment. Here's my outtake: PMG is great at finding the lowest interest rates on mortgages. In terms of paper work, it was easy. However, communication with clients needs serious improvement. Also, I would have really appreciated if they simply said, "we are sorry we delayed your closing date costing you money". Instead they went with the approach of not calling back and completely ignoring my questions. On top of all this never received a gift or even as much as a thank you note for refinancing through them. Customer service needs work. I hope this helps anyone else looking to refinance through them.

Believe me, I had heard enough radio commercials to know that when it came time to refi, I was…read morebound and determined to experience their so-called no-closing-cost loan. But I knew I needed to be smart and check out other great sounding options. So I did. I offered several other companies our business, expressing the desire for a no closing cost loan. Other companies said sure we can do that, then when I looked at the fine print, it was obvious that they were just building the closing costs into a higher price point loan. NO. That was not what we wanted. I am happy to report that Skip at Miller Lending along with his team of hard-working folks achieved for us exactly what they have advertised and what we wanted. A no-closing-cost refi. It was all done via email and the internet. Even the closing part couldn't have been easier as the notary from the lawyer we chose came right to our house! Do you still have to go through the annoying process of supplying all kinds of personal financial information? Yes. But you have to do that with any mortgage loan. The whole process for us took about a month from beginning to end. Very much worth it as they have saved us about $300 a month!

I have done multiple loans (1 purchase and multiple refis) with the Miller Lending Group working…read morewith Gordon Miller, Skip Dyer, Brian Koncz and Lori Koncz in various combinations. I am very familiar with mortgage lending and could tell right away that I was dealing with knowledgeable professionals across the board. They were extremely responsive and kept everything on track to close all my loans without a hitch. I highly recommend Miller Lending for a home purchase or refinance.