Beware if you're shopping around for rates - Cliffco's loan officers will run a hard credit check…read moreon a pre-approval even if you decide not to use them. No other loan company I worked with did this, and so I had a lower credit score than I should have had when I locked in my rates with another company. This may have caused some monetary damages to me and I may be paying a higher rate on my mortgage because of them.

First-time homebuyer in Queens - went with Cliffco for a SONYMA low-interest mortgage. My income…read morehistory turned out to be unique for SONYMA, which brought some angst and delay into the process - but Sean Dwyer and his Cliffco colleagues were strong partners throughout. I appreciated the straight-up communications and support from beginning to end - never any doubt that Sean had my back. All ended well (writing this from my new apt!) - Strongly recommended!

If you're looking for a mortgage lender who actually cares, go with Bobby. He made my first…read morehome-buying experience seamless despite a very tough market. Bobby is attentive, always available, and incredibly thorough. He never missed a call or text and was always ready with a solution to get my offer noticed. He truly listened to my needs and helped me close on the perfect home. 10/10 recommendation

Bobby was recommended by my brother who closed on his home a few months ago. My experience with…read moreBobby far surpassed my expectations. First home purchases are perceived as stressful and complicated. Not in this case. Bobby and his team were along for the ride every step of the way, portraying professionalism, care and dedication. I look forward to working with Bobby on our next adventure. Thank you Bobby!!

WORST, UNETHICAL, true definition of CROOKS ! zero communication and wanted to charge us the…read moreinterest rate in teens at the closing table. they would bait and switch. NEVER NEVER NEVER NEVER NEVER NEVER do business with them. If you hear the names FRANCESCO ANCONA, MEADOWBROOK FINANCIAL and LOGAN FINANCIAL - RUN the other way as fast as you can and thank me later

I worked with Gabrielle Nicolo and Victoria Farrell. My experience was a pleasant one with minor…read morehiccups. I can say that they were very responsive and professional. Victoria is a pleasure to work with. She is very knowledgeable and helpful. I never had an issue with our communication. They get hard loans done. The truth is, I would definitely work with them again. I cant speak for anyone else but they came through for me when other lenders had all kinds of ridiculous hoops and barriers to getting our loan done. These folks focus on finding the right lender based on your needs. Kudos to them and I hope they keep helping others acquire their dream homes and or investments.

I cannot recommend Bobby Papadopoulos highly enough. As a first-time homebuyer, I was nervous about…read morenavigating a difficult market, but Bobby came highly recommended and absolutely lived up to the hype. He is incredibly knowledgeable, patient, and thorough. What stood out most was his accessibility--he answered every single call and text quickly, no matter how small the question. Bobby didn't just handle the paperwork; he was a true partner in the process. He was constantly reassuring and found creative ways to help get my offers accepted. His attention to detail is unmatched--he knew exactly what I was looking for and alerted me the moment the right opportunity surfaced, which is ultimately why I'm sitting in my new home today. I am so appreciative of his hard work and wouldn't hesitate to recommend him to anyone.

Dennis Jaeger was phenomenal. He was there for us from beginning to end. We sold our first home to…read morebuy our second and Dennis made the transition flawless. Transparent, Honest and Thorough. He is very knowledgeable and will not pressure you. Thank you!!

The Quikfund team was exactly what we needed to purchase our home. After I tried to work with…read moreanother mortgage company and had a bad experience, Quikfund came highly recommended. If you stay on top of what you need to do, the Quikfund team will take care of you. Very happy to have worked with them!

Awsome experience , very fast and they know there business especially Ruchika...thanksread more

My real estate agent referred me to Mortgage Enterprise for my pre-approval. At first I was…read moreskeptical as I never heard of the company before. But I trusted my friendly agent enough to go through the process. I called the mortgage specialist to schedule a sit down appointment, and was told I can scan and email all necessary documents to him and I don't need a face to face meeting if I don't want to. Being a techie and avid user of cloud storage, I was happy to save a trip, and scanned/ uploaded everything in the cloud and emailed the guy a link to download everything. Throughout the whole thing, I was more than aware of the downside of not showing up in person, and the risk of ID theft. At the end of the day, I received my pre-approval and all relevant numbers I needed to know to proceed with my home shopping, all within a course of a week. The staff was all responsive within 1-2 business days, and my questions were answered. You don't need to commit to them at all. If you want a mortgage from a well known, greedy Wall St bank, and not Mortgage Enterprise, you can still do that. If you're a prospective home buyer who needs financing advice or pre-approval, and is lazy like me who don't want to make a trip to an office, want to saving gas, and is tech savvy...then look no further than M.E.

I can't speak for Vanguard Finding in general but Sandra Meskin, who works as a mortgage broker for…read moreVanguard, is fantastic. I guess it depends on who you end up with. Sandra was recommended by my real estate agent having brought many deals to closing as quoted, no bait and switch here. Most importantly for me Sandra answered my numerous questions about just about everything you could think of. She would often reply late at night while I lay awake sweating over LTV, Fixed vs. Jumbo, points, and credit scores. She is also proactive in contacting me where as I've had experiences chasing mortgage brokers to get back to me in a timely manner as required by the deal!

On 2/25/2015, I was contacted by German Concepcion in regards to applying for a mortgage loan. I…read moredid not contact him, he solicited me. After discussing my situation I agreed to apply for a pre-approval. Mr. Concepcion, after being provided with all my documents, quoted me a loan amount of $215, 000 loan 3.5 down (7,000). I agreed to this loan amount. However that very afternoon the first written correspondence I received from him indicated a loan amount of $210,000. I contacted Mr. Concepcion via telephone and he stated that the number did not fit and had to be lowered. I accepted this against my better judgement I should have known at that time that if a person's does not keep their word they have no character. On 2/26/2015, I received my pre-approval letter. It indicated a down payment of ten percent. I contacted Mr. Concepcion to ask him why did the pre-approval state ten percent. This fast talker stated to me that it was just put there because I indicated that I might put ten percent down but that it had nothing to do with the the loan. "Its just there." and does not affect the amount of the loan. He continued to insist to leave it on the pre-approval but I insisted it be removed especially since as he indicated it has nothing to do with my loan. Thankfully this conversation took place in my office via speakerphone. At this time Mr. Concepcion agreed to have it removed. Later in the afternoon he sends me an email and a pre-approval letter indicated a loan amount of $200,000. I contacted him and he states to me because I decided not to put the ten percent down which is not what was agreed upon ( he quoted me 3.5 down (7000) loan amount of $215, 000). Mr. Concepcion lies and states that we discussed the difference between FHA Loans and Conventional Loans. More lies, We actually discussed FHA Loan and VA loans. I wasted two days on someone who apparently had no intentions of being honest and did not give me the benefit of the doubt that among change after change I would not stop to think. This morning I unfortunately had a conversation with his Boss, Michael Mr. Chiffone. Nonchalant, un-apologetic, pretentious are all words that come to mind. My advice is if you find yourself dealing with this company record everything. Dishonesty, bait and switch come to mind. I will also be forwarding my complaint to the Better Business Bureau, The Consumer Complaint Agency, The State Regulatory Board and The Attorney General. I provided personal information and documents that I would not have done otherwise if German Concepcion would not have lied to me.