They work very hard, are detail oriented, push through hiccups.... and do it all at good interest…read morerates and pricing. They are so good that I want to go and lower stars on my other yelp reviews. Really, really, great people to work with.

Worked with Ian's team in April of 2020…read more Biggest thing that stuck out to me was how effortless the process felt! The team did an awesome job of keeping things simple while keeping me informed. Looking forward to continuing to work with them in the future.

I bought my first home in 2011 and refinanced that home in 2012. Sadly, both were done before I had…read morethe pleasure of meeting Jim Crowder. The experiences I had in 2011 and 2012 with another mortgage company made me very reluctant to ever get involved with real estate again. Nothing was smooth or easy and I never felt confident with whom I was dealing with. In 2013, I purchased an investment property and used Crowder Mortgage. The experience was nothing short of remarkable. Jim held my hand throughout the process and was always available to chat and explain what was going on, what he needed and why he needed it (sometimes our chats lasted over an hour!). Compared with the previous companies we used, who spoke on the phone with us for 20 minutes at most the entire time, this was a breath of fresh air. Jim is incredibly understanding, patient and compassionate, all of which are incredibly important qualities for a mortgage broker. The cherry on top? Jim actually came to the closing, even though the closing was an hour north of his office. Buying or refinancing a home is never easy or smooth, but Jim makes the process as painless as possible. I cannot recommend his services enough.

Being as this was our first home purchase and the process was more than daunting, my wife and I…read morewere grateful to work with Jim. He was generous with his time and thoroughness in setting us right through the process. We felt comfortable each step along the way. Jim was even able to attend our closing to clear up any last minute questions with the lender. We will always point friends to Jim if they need a mortgage.

Brian Manning - A Prime Example of Unprofessional, Rude, and Arrogant Behavior…read more My recent encounter with Brian Manning was one of the worst experiences I've ever had with a supposed professional. From the moment we began our interaction, he made it clear that he has no interest in being respectful, courteous, or even remotely professional. His demeanor was dripping with arrogance, and it felt as though he looked down on me the entire time. First and foremost, Brian has an unbelievably rude attitude. Instead of answering my questions or attempting to provide any helpful information, he dismissed me outright as though my concerns were irrelevant. Whenever I tried to clarify something or ask for further explanation, he would cut me off, acting like he was too busy or too important to be bothered. It was shocking to be spoken to in such a demeaning tone by someone who claims to be a professional. His arrogance was next-level. Brian acted as though he was the smartest person in the room, belittling my inquiries and making me feel like an idiot for asking what should have been basic questions. Rather than providing clear or thoughtful answers, he seemed to take pleasure in making the process as difficult and confusing as possible. He went out of his way to be vague, and when I asked for clarification, he responded with sarcasm and condescension. What's worse is his blatant disregard for professionalism. At several points during our conversation, he spoke to me in such a dismissive and mocking way that I was left speechless. His behavior was entirely out of line for someone in his position. I can't understand how someone so unprofessional can hold any role that requires customer or client interaction. Brian also seemed entirely unbothered by the fact that he was coming across as rude and disrespectful. In fact, he seemed to relish in it, as if treating people this way gave him some kind of power trip. It's baffling that anyone with this attitude would be trusted to work with others, as he clearly has no respect for anyone but himself. In summary, my experience with Brian Manning was deeply frustrating and left a lasting bad impression. His arrogance, rudeness, and unprofessional behavior make it impossible for me to recommend working with him under any circumstances. He made what should have been a straightforward process unnecessarily difficult and unpleasant. Save yourself the hassle and avoid Brian Manning if you're looking for someone who treats you with basic respect and professionalism--qualities he seems completely devoid of. There are far more competent and respectful professionals out there who deserve your business.

I was referred to this company by the builder. They went MIA after the pre approval. For some…read morereason they would not return my calls or text messages. When I advised them that I found another lender - their response, "cool - good luck." From the other reviews, seems that my experience was not the norm. "Good luck" to you if you have to work with them.

After the exceptional experience we had using Commerce Mortgage to purchase our first home in…read moreCalifornia, it was no question that we would work with them again when we decided to buy in Colorado. My point of contact in CA was kind enough to put me in touch with Jim Bonner and his fantastic team, and we couldn't have been more pleased with the end to end process. Jim took the time to understand our unique experience, explain differences in the lending and closing process between the two states, and respond exceptionally quickly when we needed items like an updated mortgage approval letter late on a Saturday. He kept in close contact at all time, and even made himself available by text for the speediest responses. When it came time to close, his team gave us all the necessary information, and made sure to answer any questions in real time. We closed on schedule, and for what is a large and complicated process, it couldn't have been easier or more painless. I have, and will continue to recommend Commerce Mortgage, and Jim Bonner, to anyone seeking a mortgage lender.

We got a quote from Calvin Cox at Commerce Mortgage for a mortgage on an investment property. He…read moregave us very thorough advice and explanations and offered us the best possible rate. He was also very responsive when we needed to move quickly, and a pleasure to work with. We ended up using a different lender only because we had used them before and had gotten pre-qualified with them first, whereas we went to Calvin for a competitive quote once we were under contract. Calvin offered us exactly the same excellent terms as the other lender, and we would have gotten our loan from him without hesitation if we had not already started the process with someone else. Highly recommended!

Karen is amazing and worked nonstop to help us out. She compared all different loans and looked at…read moredifferent options for us.

Amazing service! Got us approved when another lender couldn't, was available all the time with…read moreimmediate response. Was on top of absolutely everything. Highly recommend!

BEWARE - do not do business with this company. The application process was very smooth and the rest…read morewas a car wreck. This company told me multiple times over the course of the last 6 months that I was cleared to close on a refinance. After I submitted truckloads of documents that detailed my excellent credit and a down payment that well exceeds requirements, I'd hear *crickets* before they came back with a weak apology, and requesting even more information, assuring me that approval was right around the corner, and it never was. Eventually, Neat switched underwriters after several months for no apparent reason and asked me to resubmit and re-certify all my documents again. They then had the audacity to blame me for the loan not working out when I got exasperated! It's hands-down the most painful mortgage experience I've ever had, or even heard of. I've reported them to the Consumer Financial Protection Bureau. Steer well clear of this business.

Neat Capital started off as a very small fintech company based in Boulder, Colorado. Their primary…read morepurpose was to clean up the home financing process through tech, and they were the first mortgage company to create end-to-end technology, which consists of a modern mortgage application (POS), automated documentation (processing), pricing & eligibility, automated underwriting, loan operations workflows, and a disclosure system of record. A perfect storm hit in 2020 when mortgage rates hit record lows, and suddenly Neat's small and mighty team was hit with more volume than ever expected. Although Neat hired and trained new team members as quickly as possible, we weren't able to provide the same levels of service as we did for years previously. Eventually Neat caught up and the industry calmed down, as evidenced by our 5-star rating on Trustpilot. Super proud to be part of this organization, despite our 2020 growing pains!

My husband and I had an excellent experience when we refinanced with SWBC, specifically Carrie…read moreNash. We are very busy people and just didn't have the time to jump through the hoops of larger banks, but we knew we needed to refinance before the interest rates increased further. Carrie made the process very easy and quick. She kept us informed, especially concerning time sensitive money saving opportunities of which she found a few. Thank you, Carrie. We highly recommend SWBC with Carrie Nash!

Wow! What can I say! SWBC Mortgage is amazing! This is the first time my wife and I purchased a…read morehome and Amy was truly a blessing to work with! Her consistent promptness to returning our messages, being proactive on unforeseen obstacles and lastly, her incredibly positive energy was such a breath of fresh air during a stressful process. Thank you, Amy, for everything you did for us! We couldn't have done it without you!

I worked in the real estate industry as a CEO for a decade, have high expectations, and can say…read morethat Angela is a rarity among agents. We were moving to Boulder County from out of state, had a very specific set of criteria, and due to Covid were looking for our new home from afar. Angela was able to quickly get up to speed on our requirements, understand our aesthetic preferences, and never wasted a minute of our time. When we found the right home, she helped us negotiate, she made the process seamless (including FaceTime tours of the home), and we didn't ever feel like we were in the dark. If you want great communication, availability, solid negotiation, and a quick study, Angela is your agent.

We reached out to Angela in early January 2022 to discuss selling our Boulder home of 20+ years…read more She was extremely helpful in describing what the ensuing process would look like, and began providing expert advice on how we could maximize the sale. This advice included highly insightful information about the current (and changing) Boulder real estate market; potential best timing for listing the property in light of market conditions as well as historical seasonal supply and demand considerations; viewing comps and visiting similar properties to assist in setting a reasonable asking price; and touring our property with us and ultimately providing a list of suggested improvements that could be made to improve salability and maximize price (the list also included prioritization and discussion of cost-benefit of each improvement). Angela recommended her husband's company, Mendly, to oversee and manage the improvements that included major updates to the kitchen, fixing all kinds of little (and not so little!) problems that had been neglected over the years, and fresh coats of paint throughout the house. Mendly (and Ben Moss) deserve their own superlative review, but suffice it to say here, if Mendly is available to do needed work for you, don't even think twice about it! They are awesome. Angela also recommended a professional stager to help prepare the home for showing. Although we were somewhat dubious, we trusted her advice, and were so glad we did. The stager used a mix of our furnishings and furnishings they brought in to turn our home into something we wished we had done years before--it looked and felt so comfortable and inviting. Once everything was ready to show, Angela brought in a professional photographer, and worked with the expert 8Z team to prepare the marketing brochure and listing documents. In sum, Angela worked with us on developing a thoughtful strategy for approaching the sale of our home, and then executed that strategy exquisitely. In our case, we opened the home for viewings on a Thursday, and Angela accepted offers by 5pm that Sunday. We received a number of bids--all over the asking price--after which Angela then expertly navigated the negotiation process to get us to a final, accepted offer followed by the closing. There is absolutely no doubt that we would have been as successful were it not for all of the expert (and patient!) guidance from Angela. If you need a broker to help you buy or sell a property, I highly recommend Angela Moss and 8Z Real Estate. Shaun McGrath, Former Boulder Mayor and City Council Member

Human errors not forgiven…read more.. If you ever want to know how a "favorite" credit union handles customer service, accidentally make a "human" error on a payment. I did just that! The amount of credit card charges on last month's statement came to $595.69. I pay my statements - in full - monthly. In error I read - and made last month's payment - for $595.64 - technically .05 short of the statement amount. This month, an additional charge of $7.86 appeared on this month's statement - apparently representing interest charges for the "human" error I'd made in making last month's statement payment (actually, statement font is also relatively small). Thinking that the solution would be relatively simple, I'd call; tell the truth ("I made a mistake"), beg for forgiveness ("this is the first time I've ever done this")...and try to bring some "reality" (read: "humanness") to the situation ("since I'm a good, consistent customer...can you waive this fee"). Here's the OUTCOME...I MUST pay the EXACT amount on this month's statement ($579.18 - which besides credit card charges for the month includes the $7.86 interest charge for the "human" error made in misreading and paying last month's statement). Once this month's payment has been received by them, they will "take it under consideration" whether to "credit back" that interest charge onto next month's statement. Looks like this particular credit union 1) has little regard for "human" error; 2) struggles with recognizing "reality" - yikes for a measly .05; 3) that they would force, make and put a trusted, reliable customer (for over 30 years) through this kind of hoop-jumping torture. After 30 minutes on the phone with this financial institution, I've definitely learned a lesson. Truly ridiculous MY ADVICE: consider other financial institutions for your credit card needs. I've never encountered this type of twisted "customer service" from the folks at Chase. Maybe it's time to switch to only using them?!

Fantastic credit union offering everything one could need. From mortgages, to savings accounts, to…read morefree notaries (for members) and free document shredding (for members) their team has you covered. Their parking lot is huge and there are tons of shaded spots. Don't have time to walk in - use their drive through. There are frequently two staff members sitting near the front door to help guide you to your appointment or teller. Tellers are friendly and helpful (Rosa is my favorite) and their beverage machine is top notch. You can make anything from a flavored seltzer water, to a dove chocolate hot cocoa, to an espresso or tea. The machine actually suggested I ramp up my hot cocoa to a peppermint one - and suggested I add some peppermint tea - how creative. They are highly involved with the community sponsoring outdoor movie viewings and guiding you along through the seasons. Today I saw a map and guide for fall leaf peeping that even included suggested stops for food and shopping along the route. If you are looking for a place to hold your money or request money for a big purchase (ask for Chris Cullen - he's the best loan officer around) definitely check them out!

We just bought our house with Daphne's help and couldn't recommend her more! After losing two…read morebidding wars using a real estate website's service, we decided to go with a local realtor with more experience. From our initial discussion where she really took the time to understand what we were looking for, to the excellent communication throughout the buying process, to the kindness upon closing-it was an entirely different and impressive experience. Daphne is extremely well-versed in every aspect of the Boulder real estate market and her wealth of knowledge was invaluable to us in buying our home. She was not only able to advise us on neighborhoods, history of the area, value, bidding, etc, she knew so much about what to look for that may be of concern inside the houses. In addition, she gave us the most wonderful recommendations of others to work with, from our local lender, to inspector to sewer guy-all did an exceptional job. We couldn't be happier with our experience and would highly recommend her to anyone looking for a real expert who is also a pleasure to work with.

Daphne is just fantastic & fabulous! Words cannot describe how lucky we were to find and work with…read moreher. I would highly recommend her to everyone. We were so pleased with her attitude and dedication. We are first time buyers and were guided the whole way through this hefty process with such care, professionalism and a good sense of humor. On top of that ,we just moved from New York City to Boulder and had little knowledge about the housing in Colorado. Daphne was sure to keep us informed. Daphne is very knowledgeable within Boulder County (We bought our house in Erie, CO. I am not sure if she is specialized in other counties in Colorado as well). She knows the home values for all neighborhoods. She told us where to find information about school districts, shopping and things to do online. She listened to what we want from our first home. The first time she took us to look at some real estates, she showed us different type of homes that we can afford in--different areas. We thought that was a brilliant strategy because it provided us a way to see variety of homes in various areas. She made the process seem like a piece of cake. She kept us informed, educated us on the process, and continues to follow up with us. She is extremely responsive to all our inquiries whether they are through emailing or text messaging. Once we made our decision, Daphne is quick to make sure we get it! She made things happen! Daphne was honest, real and selective. She would steer us away from properties she didn't think were up to snuff and would point out flaws we didn't even see. Kudos! If you want to be part of a winning team, you can with Daphne.