Chalk up four (4) mortgages now from NOIC. 1998, 2013, 2014, and now 2015. I've purchased two…read morerentals, a primary residence, and one re-finance. I worked with Larry Simons in 1998 and then later with David Gano on the latter three. NOIC comes through where banks fail. My local banks (Adrian, MI.) pissed me off big time ..every time I tried to get a mortgage they always drove me to NOIC and NOIC always came through. I can recommend with confidence David Gano at the Monroe Office . I can be a pain to work with at times but Dave handled me like the pro that he is. He knows his products, the laws, and the industry. Lastly, Dave does his best to help you navigate through the minefield laid by the "underwriters " a clearly misunderstood group. Unfortunately I don't get them either. Getting a mortgage is never easy...Dave and NOIC get the job done. At the end of the day I get what.. I want.

I worked with David Gano, and let me say "Woohoo! As good as it gets!" (the prompt Yelp gives next…read moreto a five star rating) feels inadequate to describe my experience. "As good as it has ever been or ever shall be!" would be more accurate, but sadly a six star option is not available here. Despite the rating limitations of Yelp, let me just say that my experience with David Gano was unparalleled. G Money was patient, readily available, and extremely knowledgeable in the kinds of edge cases my particular lending situation presented. It's possible that I may need to limit all future real estate purchases to geographic regions that NOIC can operate in, just so I can stick with a tried and true guy like David. Mortgages are just about making the numbers work. Never mind whether or not you think you're prepared to get a mortgage or not -- let's face it, you'll never be REALLY ready. But that's okay. David was able to take my "surprise! guess I need a mortgage right now!" situation and make it feel like I'd been prepping for it for the last two years. It could not have been smoother. Thanks, G Money! I will give you a call the next time without hesitation.

As a first time home buyer, I was shocked at how easy this process actually was! Thanks to the…read moreChris Harris Team at Legacy Mortgage. I had initially started with a different lender who was unable to provide the type of loan I was looking for. Within less than 10 minutes of speaking to Chris, we decided on what kind of loan was most suitable for me and started the process. Within 10 days of our first discussion- I was all set to close on my house! This is almost completely unheard of in the market today. Chris and his team were so friendly and efficient, I couldn't imagine working with anyone else. First time home buyer or not- this company/team is the best option to guide you through the process all while being completely transparent and personable. Cannot thank them enough!

From the owner: I have been helping people achieve their homeownership goals for over 26 years. If you are a…read morefirst-time buyer or a seasoned homeowner, I got you! Not sure if you are "mortgage ready"? I got you! My job is not to just take an application and pass you off to someone else, I will take you from application to closing, and beyond. I spend a lot of time and enjoyment helping people that need credit repair or general guidance on how to qualify for a mortgage. If you aren't "mortgage ready" I'll work with you until you are. It always makes me happy when we can close on a new home after we have been working together for a year or three. Whatever it takes. I got you!!

We recently moved across the country and had to do our entire home search virtually. Matt and…read moreLindsey made the whole experience seamless from start to finish. They truly went above and beyond by recording detailed video walkthroughs of homes and doing FaceTime sessions so we could feel confident about every property we considered. What really stood out was how much time they took to help us understand each neighborhood, including the pros and cons from their honest perspective. They always made us feel like a priority. Matt made the financial side of the process unbelievably easy and was extremely diligent throughout closing. He caught mistakes from the title company that we never would have noticed ourselves, and his attention made us feel much better. Even after closing, Matt and Lindsey continued helping us by connecting us with trustworthy contractors for work on our new home. That level of service and care is rare to find. We are so grateful for everything they did for our family and would absolutely recommend them to anyone buying a home, especially if you're relocating from out of state. When the time comes to sell our house, there's no question we'll be using Matt and Lindsey again!

After 25 years in our home we were unsure what to expect when we decided to sell. Our experience…read morewith Lindsey and Matt was exceptional! They were very clear when explaining the process and coached us through the steps needed to list and sell our home. Communication is definitely one of their many strengths. We always knew exactly what each step of the process would bring. When it came to negotiations, we always felt that they had our best interest in mind - and that we were well represented. I know they were working with many other sellers and buyers but it always felt like we were their primary focus. In the end we were so happy to have such a smooth sale. I highly recommend Lindsey and Matt!

Melissa Handloser truly went above and beyond for us during our home buying experience. She was…read morealways available and was very knowledgeable and nice. She was very professional and works hard to get everything closed on time. We never had to worry about anything, and her underwriter was also wonderful. She got us awesome terms and a wonderful rate. I would highly recommend her.

These crooks set me up on a bait and switch mortgage and suckered me into an adjustable rate…read moremortgage and my monthly payment went from $1,024.08 all the way up to $2,685.79. I'm about to loose my house because of these scumbags!!! Run far and fast as these people have ZERO morals and are looking to take advantage of everyone they can!! LEAH CHRISTIE AND ROSS BUDIN ; these two people should be locked up for what they are doing to families. It's heartbreaking what they have done and stolen over $19,000.000 per year from suckering and tricking me into a adjustable rate mortgage when they assured me that it was a fixed rate. Absolutely horrible people

I can't praise Sherry and Shelly enough on how amazing this team is. Their compassion, knowledge,…read moreand communication is top notch. This was by far the easiest, fastest, and smoothest process I have ever experienced when buying a home. Who can have a clear to close 7 days from application, you got it the amazing Processor, Sherry. Thank you both for all you do, keep rocking it!!!! You are an amazing team

Shelly and her team are fabulously efficient, professional, patient with questions, and absolutely…read moreEFFECTIVE. My mortgage closed in about a month, and I'm busy getting ready to move into my new home! Thanks Shelly!

Highly recommend Amanda! Very responsive, even on weekends. Knowledgeable and patient when…read moreanswering our questions. Not pushy or arrogant like some big name lenders. You also have the advantage of working with someone local and having one dedicated person from beginning to the end, unlike some online lenders.

I can't say enough nice things about Amanda and her team at John Adams Mortgage. Amanda made the…read moremortgage process so easy. Absolutely everything went smoothly--she even came to the closing to congratulate me! I moved to the Ann Arbor area from out of state and she couldn't have been more welcoming and professional and kind. I found her on Yelp, so I want to give a little shout out to the Yelp folks for having such accurate reviews. I would unreservedly recommend Amanda and JAM to anyone!

So unprofessional and disorganized. So here is the backstory. My sons dad (ex) and I refinanced our…read morecondo through bay equity home loans. We were never married so we did two separate applications and I was listed as the co borrower. The notary came to our house and we signed everything. Fairly easy closing process. Fast forward to now, and I'm trying to make my first mortgage payment through them. I am registering as a new user and it asks two simple questions-my social & loan number. I input the information and it does not allow me access. I call into the customer service reps and they said on their recorded line that I am NOT on the loan and they can't give me any information pertaining to the loan . I am explaining to the rep that I have all the signed documents in front of me so I have no idea how I am not listed anywhere on their end. I had a valid reason to be confused because every mortgage statement, online access, etc. is only listed under my ex's name. The customer service rep said that I needed to reach out to my lender directly, and that only my lender could put me on the loan. I reach out to my realtor who always gets ahold of the lender for me because it takes him forever to reply. Adam was so unprofessional and disrespectful towards me. I was only doing what THEIR service reps instructed me to do and he was of no help. He sarcastically said that I am "unfortunately going to have to reach out to my ex for 5 min to get him call in" so my ex calls in and they also tell him that I am not listed on the loan. Through all of the confusion (which was not my fault) considering I'm just trying to pay my mortgage, I should have been treated with compassion and professionalism , but instead I was told he "needed to check in to see if all the info I was putting into their software was correct" as if I'm incompetent and incapable of solving the issue on my own. Would never recommend, well unless you like being treated like you're nothing! I understand that it's not typical to refinance with an ex , but I needed his income to qualify, Adam did help me realize that. Clearly, I'm lower income. I believe in being 100% honest and transparent with reviews, and admit where I might have been hard to deal with , but this was terrible. His loan processor Danielle couldn't find paperwork we had submitted. What a mess. Never again.

Adam and his team are great! They make it easy. They put together a fast close for us and helped…read moreus buy our dream house in Arizona. I can say enough good things about this group, professional, dedicated, great follow up, and even better follow through. Shane S

We couldn't be more thankful for HARRY POLEMITIS and his team!! (Scott, Brenda) were amazing!!! We…read moreinitially were going with Quicken Loans. We had gotten pre-approval through Quicken, but they were coming saying our loan was going to be way more than anticipated, adding on many fees, etc. We reached out to our realtor (Kellie Smith - also the best) who referred us to Mortgage 1. WOW!!! LITERALLY SAVED US $10K in closing costs, compared to what Quicken was telling us. We ended up cancelling the loan process with Quicken (luckily, we got some of our application fee back) but HARRY and his TEAM literally SAVED us, worked SUPER QUICKLY, KNOWS WHAT THEY'RE DOING!! Couldn't be more grateful! And would refer him 1,000 times over! We are now living in our dream home thanks to him and his team! A+++++++

Harry and his team made this otherwise stressful process simple, seamless, and fast. All my…read morequestions were answered in a timely manner and the ease of uploading documents and e-signatures meant I didn't have to take time off work. I highly recommend.

Jennifer and her team were so easy and wonderful to work with. They answered all my questions,…read morewalked me through the process every step of the way, and handled my paperwork and money with the kind of professionalism that you don't see too often anymore. They were kind, patient, and very upbeat. I will definitely recommend them to everyone who is in need of mortgage help. If I could give them more stars I would! Thank you for everything!