I have recently purchased my home, with the help of Two Roads Lending. Phil Bukowski at Two Roads helped us negotiate applying for a loan and interpreting all the paperwork that goes with it. Phil was extremely energetic and friendly! We went into the first meeting with no idea what to expect. Phil invited us in and, having already completed his initial analysis, he gave us our options in an honest and straightforward manner. He is an expert, of course, so he was able to give us a few pointers about our financial situation in order to better our prospects of finding a great home. He was able to, on the spot, print and present our credit reports and other crucial material. We felt great coming out of our meeting with Phil, and we were much more motivated to go out and find a great home! The most impressive aspect of working with Phil was his follow up game. Phil gave both my wife and myself a call every couple of weeks to fill us in on how the loan was progressing and to ask us how things were going finding a property. He was genuinely interested in hearing about our house search, and he seemed to be rooting for us the whole way. My wife and me, who know next to nothing about mortgages or real estate loans, came out of this experience feeling confident in the choices we had made thanks to Phil guiding us through the process. He was almost like a teacher in this regard. We both had a thorough understanding of the paperwork we were signing and the loan product we had chosen thanks to his excellent explanations and steadfast patience. You can move forward with Two Roads Lending knowing you are in good hands. Thanks, Phil! read more

"It has been over 25 years since we last bought a home. Not only has the mortgage industry changed tremendously during that time, but the circumstances surrounding our most recent purchase felt bewildering and a bit scary. My husband and I needed to downsize, I was in the process of retiring, and that would mean that we would be living on a fixed income! All of that seemed overwhelming. Then we met Phil and his associates at Two Roads Lending. What a blessing! Their advice and guidance exceeded all our expectations. Their process meant that we could be pre-qualified easily and quickly. As a result, the turnaround time for securing our mortgage allowed us to act rapidly when we found the "perfect" home for our golden years. Phil's creative planning even allowed us to complete the remodeling that made our new house a real home. He also introduced us to the concept of mortgage recasting which will allow us to minimize our monthly payment once we move into full retirement. Most importantly, we appreciate Phil's integrity, his sincere commitment to our best interest, and his thoroughly professional approach. We learned that not all change has to be traumatic; mortgage procurement can be simplified and positive, if you find the right partner to help you. We are wholeheartedly recommending Phil Bukowski and Two Roads Lending to all our family and friends." Kathy and Bill Russell read more

My wife and I have spent the last year looking for a home. Throughout that process, we have continually relied on David Koch at Two Roads Lending to guide us through the steps. We have nothing but positive things to say about our experience. As first time home buyers, the steps to home ownership is a bit daunting. David was able to break down each step for us and took time to explain each part of the process with incredible patience. This allowed us to make informed decisions that resulted in our most recent purchase. David went out of his way to be available and was always responsive to any of our questions (email, phone, text...) He continually prioritized our needs and made sure we had everything we needed. David was committed to supporting our family throughout our home buying experience. We are so thankful to have had the opportunity to have met and worked with him to secure our loan. I wouldn't hesitate to recommend their services to anyone! read more

Start to finish my experience with Phil and his entire team at Two Roads Lending was outstanding. Phil is extremely responsive, reassuring, and knowledgeable. As a single woman navigating a mortgage loan, I found his combination of expertise and kindness to far exceed my expectations and was a huge relief. Phil was easily reached by email, phone calls, texts and gave undivided attention to my questions. He would send disclosure documents and then set up a time to call me to go through all the details and answer all my questions in detail. Phil and his colleague Melissa were always on top of helping me know which documents were needed and what steps to take next. I HIGHLY recommend Phil and the folks at Two Roads if you are looking for personal, caring, knowledgeable assistance with your home. read more

Being first time home buyers, we were very nervous going into the whole process. After our first meeting with Phil Bukowski of Two Roads Lending, we knew we were in good hands. Phil is very knowledgeable and wants to help you become so too. He did a great job at teaching us about every step of the process, which made the home buying experience much better for us. Not only did he get us a great deal, but when we finally found the home we loved that needed a very quick turnaround to close, he completed the loan process in the fast amount of time to make sure we did not miss out. I would recommend Phil to absolutely anyone buying a home, especially first time home buyers! read more

My wife and I would highly recommend Phil to anyone looking to buy a home. We had a great experience working with him and we felt that Phil does a great job of caring about who he is working with. Phil took the time to get to know us, and make sure we understood everything that was going on with the loan and home buying process. He also was available every day of the week to answer the many questions we had, and he responded promptly every time. Phil helped us great a great rate, and contributed greatly to my wife and I having a very enjoyable and easy home buying experience. read more

Phil was awesome. We were moving cross country, didn't know the area, and were very nervous. Phil was so very patient with my wife and me during our long-distance house-hunting process, clearly going above and beyond, and when things got complicated, Phil was right there with just the right suggestions, options, and plans. It was only with his help that we found (and found a way to afford) our dream home. We're over the moon! And while I hope we don't have to relocate any time soon, if we do, Phil is going to be one of the first people I'll call. Highly Recommended--5 Stars! read more

The Bukowski Team with Two Roads Lending should consider changing their name to The Rockstar Team because that's exactly what they are. These rockstars are the absolute easiest home lending team to work with, so feel free to leave any worries behind you. We've worked with Two Roads for both our initial home purchase and more recently, our refinance. Not only have both interactions been completely seamless and painfree, but a true pleasure. I've heard many horror stories with refinances, but our experience with Two Roads was a breeze. We won't use anyone else! read more

Two Roads Lending was phenomenal to work with! My wife and I were first time home buyers with LOTS of questions and were able to walk into closing feeling completely informed and prepared. They were quick to respond to emails and calls, even working around our busy work schedules. A HUGE shout-out to Christine for being our go-to connection throughout the entire process. She was fantastic and so very helpful as we bombarded her with questions. She even gave us a call just before closing to make sure we were all set. The Bukowski Team is the best! read more

Being first time home buyer, we feared all the horror stories you hear about the difficulties in buying a home. This was not the case when dealing with Phil from Two Roads Lending. Phil is a very informative person when it comes to mortgage loans. He was always available and open to answer any questions that we had. He also was able to quickly give us an estimate on different homes that we were interested at the time. This was very important to make sure we were within our budget. Thank you, Phil and Two Roads Lending! read more

Working with Phil at Two Roads Lending made our home buying process a breeze! We met with him a little over a year before we decided to start looking to understand the process and figure out how to get our finances where we wanted them for the amount of house we could afford. When the time came, Phil was our first email and he gave us great realtor recommendations. He was always very responsive to all of our questions and made the entire process smooth and painless. Thank you Phil, job very well done! read more

Phil Bukowski and his team at Two Roads Lending are top notch! This is our second time working with them in the last five years and both times have been as smooth as it gets. Phil takes the time to explain the numbers clearly and works very hard to get you a deal that will best suit your needs as well as your budget. The documents he provided us with were crystal clear and easy to understand. I would highly recommend Two Roads Lending for anyone looking to buy or refinance a home. You wont regret it. read more

Rob Zuiker is everything you want in a mortgage broker - knowledgeable, professional, creative, and efficient. His deep knowledge of the market and good advice were invaluable. He went above and beyond in helping us move quickly to secure pre-approval and make an offer on a new home. He was creative and efficient in helping us secure financing -- we were able to close quickly and everything went incredibly smoothly. He was fantastic to work with in every way, and I would highly recommend him. read more

My husband and I just closed on our first home in July. Working with Phil at Two Roads Lending was the best decision we ever made. This man is worth his weight in gold! He was always there to answer our questions, we never felt pressured, and we felt very informed going through the whole home loan process. He worked seamlessly with our realtor and attorney, and we always felt like he had our best interest in mind. I would not hesitate to recommend Phil to anyone buying a house, he was great! read more

I have known Phil since I was in Kindergarten. He explained everything in the most simplest terms to us on how everything worked, and got us a great rate. I am a above 70% disabled veteran, which he knows a lot about working with veterans. He also helped me in getting me my VA home loan, and sent me to the right people to get my IL Veteran Property Tax Exemption. It was a very quick and seamless process. I would highly recommend Phil to anybody or any veteran looking to get a new mortgage! read more

While the financial side of home-buying can be the most stressful component, we were so pleased we had Phil to help us along the way. Phil was very prompt and responsive to all of our requests and questions regarding our financial concerns. We also really appreciated his honestly about the process, and his attempts to find us great offers helped too. We are so grateful for all of his help and we would absolutely recommend him to any other home buyers buying for the first time or, any time! read more

I would recommend Phil to anyone who is thinking of getting a mortgage or refinancing. I refinanced my house this summer with Phil. I can't believe how easy it was, I HATE doing finical's and filling out that kind of paper work, so it took me years to even do this. Phil was very helpful and made the process so smooth and effortlessly I could not believe it. He explained everything to me until I understood what he was saying. Thank you Phil for a great job. read more

I had a great time working with Phil! From our first phone call up until closing day (and even after) he was not only my lender but my friend. He always answered calls/questions and if we didnt understand he had several different ways of explaining things! He was so kind and personable, caring and he made it very clear he wants you to succeed as much as YOU want to succeed! I highly recommend Phil & the Two Roads Lending team- you wont be disappointed! read more

Phil & his team are great to work with! Over the years we've done several transactions with them. I appreciate that he takes the time to listen, answer questions & understand our goals. He educates us along the way to make the process fast & easy. Phil isn't the type that check's out after he gains your business. He's there to hold your hand but not in an annoying way. I highly recommend working with Phil & Two Roads Lending. read more