John knows the mortgage business and explains it in a way that is well understood. An A+ experience…read morefor sure. Thanks John

I have used John's services 2 times for my mortgage needs. He is an ultimate professional and his…read morestaff was very helpful. I highly recommend John and his team!

Do not get your mortgage through NACA, initially during the seminar they sound great. But don't…read morelet them fool you like they did us. They consistently "make up there own rules" and have completely gone against their own regulations and processes in their own manual(s). They miss deadlines, they don't return calls or emails for days on end, when they do reply it's very rude and they don't answer any questions you have asked. NACA believes in a very delusional way they are helping people, but in fact they hurt more then they help. Do NOT work with these people at all costs.

From the owner: commercial lending, investment property lendingread more

I absolutely loved working with First World Mortgage! My husband and I were beginning the process…read moreof purchasing our first home together. My mom recently went through the process of helping a friend find a home, and they worked directly with Denise. She was absolutely fabulous, as well as her whole team. If Denise was ever unavailable, I was provided immediate assistance from Lauren and Erin. Everyone there is so helpful, knowledgeable, and friendly. We closed on our first home ever with the help of the First World Mortgage team and our incredible realtor, Aimee Nieroda. They talked us through every step, answered every "dumb" question I had (they never treated me as if I was!) and got us into a good solid first home. I recommend any and all homeowners to work with them for an easy and smooth mortgage process.

First World Mortgage is a great company to do business with. My loan situation was a complex one…read morebut Brad Moore made it a pleasant experience. I truly appreciated Brad's honesty and persistence during the loan process. Brad never made me feel that the loan would not go through and made it seem effortless even though there were many complexities on the way to the closing. I would recommend First World Mortgage and especially would recommend working with Brad Moore.

Normally I steer clear of brokers but this is the biggest possible exception. Harry was fantastic…read more He knows he stuff and steered us in the right direction at each turn. We used them once for a refi, and this time for a purchase. As most people in our closing process bumbled through various errors, Harry and Elm Tree was always on time on their end, and for once the numbers ended up working in our favor. We were able to get rock bottom locked rates each time and couldn't be happier.

From the owner: Local residential mortgage broker offering lower rates than most competitors, fast service,…read moreflexible loan programs and 15+ years experience

I am a listing agent on a property that a buyer's agent used Empire Home Loans in Rocky Hill…read more Empire issued an approval/prequal letter on 4/6/20. As of 7/24/20 the loan is still NOT closed and it has been one excuse after another. So far Empire has asked for 4 extensions of the closing date. Buyr's agent says they are now asking for new paperwork, another underwriting review and appraiser need to go back out to property AGAIN! HONESTLY I WOULD NOT USE THIS COMPANY NOT A GREAT TRACK RECORD AND MORTGAGE LOAN OFFICER DOES NOT SEEM TO BE ON TOP OF IT.

S-L-O-W. Give the Pre-Approval Letter but then.......what takes so L-O-N-G to get the MORTGAGE in…read moreplace? Should have been a done deal a couple weeks ago but still waiting. Praying that the "Pre-Approval Letter" wasn't a farce. Hate to lose out on this Sale.

I contacted Stephen Campbell (Stephen Campbell, Senior Loan Officer NMLS #96217) to work on our…read morerefinance. 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.

On July 15th, I officially closed on my Jumbo Mortgage loan with Mortgage Master, using Stephen…read moreCampbell 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.