EXCELLENT!! I started looking into refinancing my home during quarantine. I started getting quotes…read moreonline but wasn't really sure what I was doing. I was introduced to Tom through a friend of mine and he took care of everything. I thought it was going to be an extremely stressful process, especially during this pandemic, but Tom did an incredible job. He even got me a lower interest rate than I found online and walked me through each step of the process. I was surprised how quick the whole thing went. If you're thinking of refinancing I HIGHLY recommend Tom!

Tom is our friend and loan officer/realtor who helped us purchase our first home. We looked for a…read morecouple years and Tom was very patient and diligent throughout the whole process. One of Toms' strengths are his teaching skills. Tom helped us to understand the financial end of buying a house and went over credit, the types of loans and what size of a loan we would be eligible for versus what we could afford. Another strength was the speed at which he moved when we found a house to tour. Tom acted fast and was able to set up showings quickly. A third quality was his honesty when he shared his opinions about each of the homes we visited. He never tried to push us in a direction we didn't feel comfortable with. Whenever we would get overly excited about something that wasn't necessarily a good fit for us, he was very good at weighing the pros and cons and helping us to think rationally and not emotionally. When we found the home that was right for us, it was a moment of excitement for all of us as he was very in tune with what was a good fit for our family. The financial aspect was the most confusing for us and was an area in which Tom was extremely helpful. His specialty seems to be in getting the type of loan that best suits his clients financial situation. He helped us to choose a house and loan package that was affordable. As part of our due diligence, we received loan estimates through Quicken and Bank of America and Tom's loan package was able to beat both of these estimates. He also made several good catches that saved us a lot of money. For instance, calling out the seller when they didn't disclose a leak that was fixed several months before the house was put on the market. There had been a couple thousand dollars worth of work done but an additional 15K that the seller didn't do. Using this information, he was able to counter for a credit. Even though the seller wasn't honest about the condition of the house, Tom dealt with this matter in a kind and professional way which greatly impressed us. Tom did an outstanding job through the entirety of the buying process. He was very accessible by phone and email and many times would meet us in person. Each step was carefully explained and he expertly facilitated the complex buying process. We felt that he was very present and dialed in with our needs. Thanks to Tom we are a year into our first home!!

Alex Peters is not only knowledgeable and professional but also friendly, patient, accommodating,…read moresupportive and has integrity which is rare nowadays. Thank you, Alex for "holding our hands" from start to finish of our refinance process. We are truly grateful.

I had the pleasure of working with Bluefire Mortgage Group for my second home. At first, I was very…read morehesitant due to the number of lenders reaching out to me. Sam and Tiffany took care of so many situations that I did not anticipate. It was challenging to navigate through this years interest rate hikes. The team did their best to give me the best options and advised on how to proceed with gifts, loaning with a partner, and refi vs recast. Sam regularly called me to keep me up to date. This group works around the clock for their customers. A much better experience than with big banks. My real estate agent had nothing but great things to say about their execution and speed to close. Highly recommend their expertise.

I've known Skip Virgilio for a number of years. We have a common interest in craft beer and…read morehomebrewing. Skip was the founder/owner of AleSmith Brewing Company when we first met and he is still quite active in QUAFF, our local homebrew club. For this reason, I chose to give Skip a shot when I elected to refinance my home mortgage. I've always thought you'd get a better deal when working with a direct lender as opposed to a mortgage broker. However, that is not true. Mortgage brokers can provide the same service and competitive rates as a direct lender. It doesn't cost you any more to use a broker, and they have access to multiple lenders. Working with Skip was great, but I expected nothing less. The entire refinance process was very smooth and efficient. With all of the new laws and regulations, I didn't expect it to be so easy. It took just a little over six weeks from start to finish. We were able to do everything by phone or email, and the notary came to our home for final document signing. This was the quickest I've ever closed on a loan. Throughout the process Skip keep me informed. His knowledge and experience clearly resulted in the best loan execution rate available. I am very pleased with my new loan rate and the fact that there was zero out of pocket costs to me. I will surely refer all of my friends and family to Skip in the future. And if you need any advice on homebrewing or where to find good craft beer, be sure to ask Skip!

Our only experience with home financing was through our credit union for our first house. It was a…read morefine experience, but we never dipped our toes into the mortgage broker experience. Luckily, our realtor recommended Skip Virgilio and Park Village Financial. We were sold when we were told Skip helped found Alesmith Brewery, but we became satisfied customers after Skip found us fantastic rates, walked us through the process of shopping financing packages, and put up with three thousand emails at nights, on weekends, and on holidays to answer our questions and concerns. In the end, Skip found us financing to help up us get our dream house, and all under a conventional loan he found for us. Skip made sure our closing was smooth, and it definitely made everything easy that most documents could be e-signed. Even after closing, Skip is still happily answering questions we've run into about payments and taxes. It is definitely a different experience from dealing with a bank over the phone - more personal, more helpful, and it helps to keep a stressful process as stress fre as possible. When any of our friends start to look for homes, we will recommend Skip wholeheartedly to them. For us, he made the seemingly impossible possible.

My husband and I were referred to Robert by a friend as we needed mortgage broker assistance with a…read moreslightly complicated refinance. Robert had great advice for us about the best approach to follow but deferred to our choices. He held our hands throughout the refinance process, and kept us apprised in a timely manner of all developments. Our refinance just closed and we couldn't be more pleased with the service we received. We'd highly recommend Robert as a mortgage broker.

Robert recently helped my husband and I purchase a home that we were renting prior to purchasing…read more Robert made a complicated situation (no realtor involved) much easier because of his knowledge and patience. He knows his stuff and genuinely cared to figure out the best scenario for our home purchase. He's pragmatic, thoughtful, experienced, and always answers the phone... even on holidays! He answered every question I had and explained everything thoroughly so there were no surprises along the way. I appreciate his help and highly recommend him!

I was a first-time home buyer and Matthew helped me so much, not only with re-financing my home a…read morefew months after I purchased it, but also with getting my credit score up significantly. He was extremely responsive and supportive throughout the entire process. I took a few simple suggestions and the results were amazing! I will be forever grateful to Matthew for helping me on this journey. I would definitely recommend Matthew to anyone who is looking for guidance in terms of how to improve their credit score, securing a loan, refinancing their home, and obtaining a reverse mortgage. I will certainly use him again in the future and I know my family will as well.

I have been in the real estate business since 2002 and Matt has been the first Mortgage Broker that…read moreI have worked with who was super organized and very personable! He was quick to come up with estimates of what mortgage payments would look like with different interest rate scenarios and showing how costs would change depending on the house price. He not only took time to do the work every time we had a question but also wanted to get to know me. He is also quick to get back to you when you gave questions or concerns. Matt also explained and broke down loan scenarios for me to make it easier to understand. I also loved how he showed side by side comparisons on his program Mortgage Coach. It showed so much clarity and made it easy to compare different scenarios. I also lived the breakdowns of closing costs so that we were not surprised by an unexpected huge cost. I appreciate Matt and will continue to go to him for any future mortgage needs!!

I've purchased a few homes in my day so I feel I have a good handle on the whole Home buying…read moreprocess. Of all my previous purchases, not one of them went as smooth and pleasant as this one did. For that...There are Three reasons why sea Monster Homes should be your only choice for real estate professionals. Empathy Real estate professionals are many times anything but, professional. In my opinion, they really are a "dime a dozen". Some good but most of them can't get past themselves to see that there is are real people, real families earning real money in order to buy a home... and btw the biggest purchase of one's life. It's Almost as if realtors have become so immune to the whole idea that they can pocket tens of thousands of dollars in a matter of only a few weeks that they completely loose site that there are these real people behind every "deal". And when the house closes escrow and all the commissions have been paid, and gift baskets administered, these "real people" will have to pay the mortgage. But not Scott and Shelly at sea Monster Homes. When you deal with people making the biggest purchase of their life you must have empathy for them and place yourself in their shoes. To understand a buyers wants needs and desires is exactly what they do here and it's very refreshing. Your desires are their desires. Your needs and wants are their needs or wants as well. They are not forceful in any way shape or form. Knows the area and the market The people at sea Monster Homes lives and breathes real estate within this community. They are not like other agents who will drive to areas to show you homes knowing good and well that their expertise of the area stopped 10 miles ago. They know and understand the market so you can trust that they're not going to push a house on you that is out of your budget or overpriced based on genuine comps. They're not afraid to say, let's find another house Most realtors have no idea how to form a sentence using all these words..."let's find another house" in consecutive order and would just as soon jump off a bridge before these words left their lips. IMO the true test of a realtors moral compass is after a bad Home Inspection rather than saying , let's go find a better house, they make some irresponsible attempt of sugar coating the homes problems to keep you "in the dea" and "working through" the issues. The people at sea Monster Homes puts themselves in your shoes and if you're not comfortable moving forward, they're not comfortable moving forward either. I love this. It's like having your parents there at your side. Just like family. And that's how we felt through our entire process. Just like family. Truly amazing people.

Look no further! If you want a partnership with two real estate professionals who have integrity,…read morewho do not drop the ball, who are always available and communicative and have the years of experience to make "it" happen, you will find them in Shelley and Scott Weir. They did not low-ball my home for a quick sale. They analyzed the market, made viable suggestions, found qualified buyers and sold my home for the full market price. Thank you, Shelley and Scott! "Teamwork makes the Dream Work"

Sam Baugh was a tremendous advisor for me during my re-finance. Not only was his team professional…read morebut very timely and efficient. The confirmation for me that Sam had lead me in the right direction was when my accountant told me how great of a mortgage note I had. Sam will be my first call for any future purchases or re-fi's, and I am happy to refer both family and friends to Sam to assist with their mortgage needs.

Sam Baugh is the best. Sam helped us through our super stressful new build home process. Under time…read moreconstraints, Sam efficiently facilitated a conventional cash-out refinance for our condo immediately followed by a VA new home purchase. Sam works diligently to provide his clients with the best loan options and interest rates available plus charges significantly less in closing costs fees and closes in a fraction of the time. Sam is readily available, patient, extremely knowledgeable, and will ensure you close on time no matter the hurdle (and we had a lot). I am so grateful to have worked with him. Sam was referred to me so I will do the same and refer him to others. Thank you Sam for all your help!

I stumbled upon an article Nick wrote online regarding FHA loans and teacher programs. Being an…read moreeducator, I was really interested in what programs were available for first time home buyers. I contacted Nick and have nothing but good things to say about his services. He spent over two hours educating us on the type of loans and playing with numbers to see some possible loan options, estimated mortgage, other fees and closing costs. He has extended himself and made himself available to answer my first time home buyer questions as well as send my realtor pre-approval letters for bids. I had countless questions and what-if scenarios for him and he was great at answering and working through them all! Nick went above and beyond to walk us through the process of home buying. Thanks to him, we were able to close escrow smoothly. In speaking with him, it always felt like we had a friend! If you are looking for someone to help you through the loan process, Nick is your guy! Thank you Nick!

Not much to say, but Nick and Deanna are definitely the best team I've ever worked with. From start…read moreto finish, they were there to help and guide us through the lending process. Everything was on point, on time, and there were no surprises. It has been a great experience and will recommend them to everyone.