Want to thank C & T Mortgage, Inc and their all stars - Resham M. , Carrie Panacek for a smooth mortgage approval process, and an on time closing in a very short duration. The team ensures that the process was explained well, communication was great throughout the and the closing process was quick and efficient. Carrie Panacek's knowledge of the industry and rate trends ensured I received the best rate possible during a fluctuating rate cycle. Cannot thank the team enough. read more

We could not be more pleased with our experience with C&T mortgage. Tami took care of every single detail of our home buying process with excellence, professionalism, extreme care, and phenomenal communication. She is a tremendous blessing in our lives and made the process of purchasing a home seamless. We highly, highly recommended Tami and her team to anyone looking for a stellar mortgage company. They are the best of the best!!! read more

It pained me to type this because I didn't want to. I hate sharing bad experiences but this was one that we were not going to brush under the rug. I can't speak on the rest of the team because we only dealt with Mark and his assistant. I actually waited a few weeks to post this review so it wouldn't be typed out of anger. He never ran my credit to consider my debt before allowing us do a purchase agreement on for a new build even though we're in a community property state - I had to find that info out on my own. We sent emails after emails / calls after calls once we realized this and he would completely ignore us along with his assistant who I won't name. They wouldn't answer calls from our realtor or respond to our emails - IF they did it was days later they emailed back. There were literally WEEKS before we would hear from him that we can actually post proof of. We did our research and read reviews so we were dumbfounded by the treatment and the situation. What was it about us that caused such carelessness? Why us? We called it a lost and cancelled the purchase agreement losing $2000 on our first ever home buying experience. While we forgive him and have grown stronger from the experience, it's one we will NEVER forget. We now qualify for a home after all the hard honest work and guidance put in by another lender. read more

We worked with Stephanie and she was professional and timely in her requests. She was amazing at the customer service aspect as well as her thorough knowledge of the mortgage rates and what the best routes to take to save us the most money. Top notch. Way to go Stephanie read more

We all know when it comes to purchasing a home there are so many questions and sometimes we feel overwhelmed and maybe even confused. I have to admit I was a bit scared at first doing all this on my own but Carrie Panacek explain things in a way to where I understood and she definitely went above and beyond to help me move from California to Houston! There were times when I even called her after hours and she always picked up or at least text back to let me know what was going on even if it was on the weekend! Even when I asked questions repeatedly she never got frustrated she just explained it in another way to where I understood! I know for sure hands-down if I needed to go through this process I would deal with her again! She even reached out to me when I arrived in Houston to make sure I was OK, if I had any questions at all to let me know that she is here for me! As we all know that doesn't always happen after a sale a lot of times others just disappear, but not her! She is absolutely wonderful professionally and personally I give her an A+! read more

& !!! We received the worst most terrible customer service from Mrs. Maria today. She was super late for our appointment. As she arrived in the office she came in with a bad attitude and didn't even bothered to apologize for being late. She is rude, arrogant and very unprofessional. As I was giving her our documents I started asking her questions, she seemed bothered by all the questions I was asking. She immediately increased her bad attitude and began to raise her voice. I kindly asked her to keep her voice down and not yell at us, she just laughed and continued with her lack of professionalism and didn't stop yelling at us. I then politely asked her to give me a few minutes to speak in private with my husband, so she left and went to the front desk to wait. After talking with my husband about the terrible, poor service and bad attitude we were getting from her we decided to go with a different lender, we left the conference room where we were waiting for her and went to the reception desk to inform her that we had decided to go with another company. The receptionist and Mrs. Maria laughed at us as I told her our decision. Mrs. Maria said "just be honest", I said "we didn't like your attitude and lack of professionalism", they continued to laugh at us as we walked out and left. She made no effort to apologize. Of course not! How could she? You can't expect education from obviously uneducated and unprofessional people. Very disappointed!!!! Right after we left the establishment I called the real estate agent who referred me to C&T to let her know about our bad experience, she told me that she was sorry we had to go through that and mentioned that Mrs. Maria had treated another one of her client's she referred to C&T in a similar way as she treated us and that after hearing from us she will not be referring any more people to C&T. read more

I normally do not post reviews unless the service I received was horrendous or exceptional. C&T Mortgage has been the absolute best company I have ever worked with. We have worked with Tami on 2 occasions in the last 3 years. We have purchased a home with her and refinanced a home with her. In all honesty, the process both times was streamlined, professional and super quick (she had us ready to close in 3 weeks!!!!!) On a personal note, Tami was really nice and never got irritated with my constant issues (I am hyper with undertones of Type A). Every...single...call and email were answered super quick. WILL use them again and again. Use C&T if you don't like headaches and problems. read more

"I am a Realtor with RE/MAX Compass. I have used C & T Mortgage for the past 7 years. Great Verbal Communication to Buyers. I Sold my Personal Home and Buyers Had a Pre-Approval Letter from C & T Mortgage. Great Transaction. Carrie Completed my Personal Home in the Memorial Area with Ease. I Would RECOMMEND all BUYERS to GIVE YOUR LOAN TO THIS COMPANY for your MORTGAGE LOAN. Carrie has completed over 50+ loans for my buyers and always closed on time with no delays." read more

I contacted Carrie at C&T Mortgage for the first time less than 6 weeks ago. Today, my husband and I are officially homeowners! I was referred to Carrie by a friend and I am so glad that I decided to have her guide us on this journey and help us achieve this milestone. Throughout the entire process Carrie was kind, professional, and very patient. She answered all of my questions thoroughly, and even made herself available outside of her normal office hours to answer any other questions that came up. She was on top of everything and kept us informed every step of the way. She was knowledgeable on all of our options and helped keep us on track to close within 30 days. I definitely recommend C&T Mortgage! read more

Our real estate team has had the opportunity to work with Tami, Carrie and the team at C&T Mortgage for many years. The most important thing to us is that our clients have a thorough understanding of the loan process and that they're well taken care of throughout the process. I cannot speak highly enough of C&T Mortgage! Their straight-forward approach ensures that buyers know all of their options. They're superheroes over there at C&T... and we're so thankful for them! read more

The worst customer handling I have seen. Will be openly rude and condescending about the refinance process and will not be helpful at all. Do NOT work with Carrie Panachek at all. Plenty of other mortgage companies out there. read more

I am so glad I didn't have a large bank or broker handle my initial mortgage. C&T Mortgage was very professional throughout the entire process. Tami was great and very accessible. She was always a phone call or email away. I didn't have to deal with the problems I often encounter with other organizations (Miscommunication, delays, lost documents, untrained agents, etc). This was never a problem with C&T mortgage. They explained the pros and cons of different mortgage terms and worked to get me the best rates. I was always dealing with one person or her assistants when she wasn't available. Documents were always handled quick and efficiently in a timely manner. Calls were always handled personally. If there was an issue or if something needed to be handled, a simple phone call or email was all that was needed. Turnaround was always fast. I am very pleased with them and highly recommend. read more

Tami is a true angel on earth sent from Heaven! Thank you very much for all you have done in regards to our housing situation. God always places the right people in your life at the right moment. I would highly recommend C&T Mortgage to anyone. Tami genuinely understands and cares about your situation and goes above and beyond to ensure even a tough situation is a smooth and painless process. Your caring and kindness will never be forgotten. You are a true blessing!! read more