Highly recommend! Working with Joe Spellman and the team at…read moreFamily First Mortgage was hands down one of the best decisions we made during our home buying process. From day one, Joe proved he's not just knowledgeable--he's on another level. Every question we had (and we had a lot), he answered clearly, quickly, and with total confidence. There was never a moment where we felt unsure or left in the dark. He genuinely knows this business inside and out, and it shows in every interaction. What really blew us away was the outcome. He was able to get us approved for a loan we honestly didn't think was possible. On top of that, our closing costs came in far lower than we expected, and the interest rate he secured for us made my friends jealous. I'll be the first to admit--I can be a bit of a hot head, and the home buying process can be frustrating and confusing, but Joe never missed a beat. He was patient, professional, and always took the time to break things down for me. He didn't just do his job--he made sure we felt comfortable and confident. The entire team at Family First Mortgage was professional, responsive, and genuinely cared about getting us into the best possible situation--not just closing a deal. If you're thinking about buying a home, do yourself a favor and talk to Joe and his team. --We couldn't be happier!

Brian is absolutely amazing to work with! He is extremely thorough and detail oriented. He takes…read morethe time to educate his clients on their options and is extremely communicative throughout the entire mortgage loan process. Also, as a mortgage broker he can shop around for the best options and provide fair and transparent pricing. Can't recommend him & his team enough!

My husband and I worked with Brian on our home purchase in Scottsdale and highly recommend choosing…read morehim as your Mortgage Broker. Brian is knowledgeable, dedicated, and genuinely cares about his clients. He will go the extra mile to secure you the lowest rate, get your deal done on time, and make sure you are fully informed and comfortable every step of the way. Our deal was complex, with a tricky appraisal situation the required Brian to really stick his neck out for us. He jumped through every hoop with grace and skill, and in the end, Brian secured a great rate for us and closed the deal on our dream home in Scottsdale. We also worked with Brian's wife Chianne as our agent, and has a similarly outstanding experience with her. Chianne & Brian proved over and over that we had the A team in our corner throughout our home buying process.

We just completed the refinancing process with Evan Einhorn of Modern Home Lending and could not be…read moremore pleased with his service. Evan and his associates found us a really good interest rate and managed the process with minimal hassle. This is the third mortgage we've completed over the years with Evan and we can't say enough about how well he does the job! Highly recommend this company to anyone looking to finance their home.

I had the pleasure of working with Edgar on a purchase for our client Saad. I have been a loan…read moreofficer Since 2001 and I have to say Edgar was on top of the process the whole way. He went above and beyond for his 1st time home buying clients. He reviewed our clients Closing disclosure and made sure the client was receiving their 2/1 Buy down and the Interest rate of 3.999% on their 30 year fixed mortgage. In 20+ years I have never had an agent look after their clients best interest that way. I was impressed by Edgar's care for his clients. I will recommend buyers to Edgar in the future. Rick Wall Optimum First Mortgage Top Loan Officer I deliver the best rates in the Country.

Edgar has always been incredibly accommodating to my needs, to the point of total selflessness. I…read morecannot recommend him strongly enough. Give him a shot, and I promise you'll end up with this realtor for a lifetime.

From my personal experience with this branch, I would not trust them to compete for my business or…read morethe business of any of my friends, family and associates. I do not recommend them. Here's my story.... Why I Dumped NEXA Mortgage and Went Somewhere Else I am a careful, alert and well informed consumer. The first thing I did was start with the process of pre-qualification. I started with my (commercial) bank, where I have been a client for over 15 years. Then I went to the mortgage company (loan officer) recommended (highly recommended) by my real estate agent/broker and finally to Nexa Mortgage (referred by a family member or friend). Nexa Mortgage would not send the pre-qualification to me. According to the branch manager (Thomas Mancuso), the pre-qualification could not be sent to the buyer because it is a legal document and could be altered (by the buyer). However, line 41 of AZ PRE-QUALIFICATION FORM clearly reads (in BOLD) as follows: "Buyer acknowledges receipt of a copy and grants permission to Broker to submit this Pre-Qualification with Contract." Line 42 is BUYER SIGNATURE. Not only was his explanation absurd and false, it was delivered from a personal cell phone (conversation was not on a recorded line), charged with anger and he would not allow me to ask the questions that I was interested in. When I attempted to change the conversation from his relentless defense of his branch policy regarding the direct delivery of the pre-qualification to the buyer, I was snapped at with "DON'T INTERRUPT ME!" I was not allowed to challenged him. If he would not send the pre-qualification, could I have a verbal confirmation and verify what the loan amount and interest rate was for the pre-qualification? I was comparing "loan estimates" for my new home, after all; and I needed to make a decision. When I was finally allowed to speak, I had to ask specifically. "All I want to know," I asked Tom, "what is the interest rate on my pre-qualification. Is it still at 2 and 3/4?" He would not answer my question directly and I don't blame him. Maybe he did not have the form or my profile in front of him. After all, he was on a personal cell phone. He could have been anywhere when the call was in session. "I will have my real estate agent send me the copy," I informed him. The line went silent, which says a lot. Tom had hijacked the call and had much to say until now. I had the pre-qualification forwarded to me by my realtor. I decided to go with Nexa, but I knew I had to be alert. The loan officer was new (under 1 year of experience) and in "on the job training", and the branch manager has an off-putting way of conducting himself in business and crossing the line with a client. After jumping through many hoops and delivering additional requirements, I received my Loan Estimate. This is where it all went crashing down. The total closing costs were "estimated" at over $14,500.00! The loan origination charges alone were calculated at 2.669%! I immediately disputed the loan costs. I have closed on several homes and my loan costs never exceed $1,700. It had not been disclosed to me, and I asked Tom point blank during our conversation where I couldn't "interrupt", that the 2.75% interest rate was dependent on purchasing points. I certainly never asked to buy points. Yet, they were snuck in there along with other undisclosed, mystery charges. After pushing back, the "loan costs" were recalculated at 1.264% dropping them down to $2,922 from $6,171 (because they still included the purchase of points for a 2.75% interest rate). When asked why the amount had dropped to half, the only explanation Tom gave was that the interest rate had changed since the Loan Estimate was prepared. I am in finance. I understand how federal reserve interest rates work and that is simply ludicrous. I have taken my business elsewhere, back to the loan officer recommended by my realtor. After all, I do not need to refinance my investment property. I do not like to be treated like a petulant child or made to feel like I am navigating through a mine field. I went where I'm treated like a VIP, where there is transparency, open communication and there are no hidden fees. Not only is the Branch Manager at Arrowhead Nexa Mortgage shockingly unprofessional, but if I had not paid attention and challenged him, I would have been stuck paying loan costs that are excessive in any market. Maybe nothing truly fraudulent is happening at this branch, but certainly unethical. Do your own research. Ask your realtor about the average cost to close on your new home. Become an expert in your own loan. Do not sign anything without reading the full document. Ask questions and make sure that they are answered in a way that they make sense to you. Above all, go where it is understood that you're about to make an incredible investment and you're treated with the respect you absolutely deserve.

I just refinanced my mortgage. Timothy palm is a great man to work with. He was always there for me…read morewhen I had a question. I Had a great experience with them. This was my second time I worked with NEXA Mortgage both times I had great experience.

Amazing to work with!!! Cody answered all of my questions and promptly replied to everything very…read moreprofessionally. Such a great experience!!

Cody Velkovich- In addition to being a great guy, is hands down the BEST MORTGAGE BROKER IN…read moreAUSTIN!! It comes as no surprise that he was voted as the best mortgage broker in Austin. Cody gave us sound advise when we met him the first time and wasn't one of those sales oriented people who act like your best friend and then never come through. Having purchased property in various countries, we knew at our first meeting, that Cody will be our only mortgage broker. He advised us through every step of the financing process and was always available to answer any questions or clarify queries. We highly recommend him!

This is the 3rd time I've gone through the process of buying a home. James and the rest of the…read moreWhitener team made it seamless. James runs a tight ship, always communicated very well and got the job done. On top of all that, he was personable and real which was refreshing. I gave him a tough one to get done and he was right on time at closing. Thank you James, my family and I are very happy in our new home with an amazing rate to boot.

Super pleased with James' service. He treats you like family. James was able to do a loan for us…read morethat other lenders weren't fond of. Being self-employed can be a hurdle to home buying (unfortunately), even when you have a great income. Once he looked at our info, he said he could do it... and he did. His communication was phenomenal, keeping us posted on everything, each day, and sometimes multiple times a day. In fact, once our loan recorded, we heard from him before we heard from our real estate agent. He took the stress out of the chaos of loans. He was helpful and reassuring through the entire loan process. When we were concerned something wasn't right, he would call right away and explain everything to us. We can't recommend him highly enough. You won't be disappointed. We have already referred several friends and family to him.

One word - painless…read more I've used Jim Merrill at Axel Mortgage for multiple originations and refis across my primary residence and rental property. Consistently he's been able to land me competitive rates with unique mortgage instruments due to his myriad of lender relationships. To boot, his service level is top notch. He's been honest when I should wait to explore mortgage options, diligent in his proactive communication throughout the mortgage process, and consistent in his mindfulness of my time. I'll continue to go to Jim for my mortgage related needs.

We recently did a cash out finance with Jim Merrill/Axel Mortgage. We had done business in the…read morepast with Jim, and if needed in the future, I will use Axel Mortgage again. I have also recommended Axel Mortgage to others. Integrity is the key word. Jim is honest, keeps us well informed, everything is up front. I trust Jim. He makes things as easy as possible, publishes rates up front on his web site and provides solid advice. An excellent company to do business with.