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Christina Klingman

5.0 (2 reviews)
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Mortgage refinancing

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1 year ago

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3 years ago

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Phil Ganz Next Wave Mortgage

Phil Ganz Next Wave Mortgage

(62 reviews)

Phil is an amazing mortgage person. I keep going back to him for advice, with questions. I…read moreusually text him and get a near instantaneous response. I bought my first home with him and he literally can beat anyone. I also refinanced with Phil. Phil is also super friendly and is happy to answer endless questions. I bought my home in 2017, and am now in the market again. For gods sake, don't do one of these robodialer companies that calls you back with some idiot that knows nothing.

I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

Nick Sproul - Cadence Real Estate Group - Congratulations to my buyers on their first home! Wishing you and your family best wishes and hope you make many amazing memories here.

Nick Sproul - Cadence Real Estate Group

(10 reviews)

Nick was an amazing realtor and we would use him again without hesitation. Professional,…read moretrustworthy, and super responsive and attentive to his client's needs. We reached out to him back in March 2022 when I was stationed in NM. The timing of our move back to FL and our hesitation as our first-time buyers led us to rent an apartment once we got back in October 2022. But shortly after we signed the lease we found out my wife was pregnant and we quickly realized we didn't want to be in an apartment with a baby on the way. So we started looking seriously and Nick went from 0 to 100 right along with us. Trevor was at most of our showings, but Trevor is equally awesome! We probably looked at ~15 houses, maybe double that if you count all the random open houses we went to every weekend and texted him about. We'd love a house, not care for it the next day. Think we could handle a fixer upper, realize we definitely couldn't. Fall in love with something way over our budget and take a break from looking all together. Despite how many times we went hot and cold because of the market, Nick was always super patient with us, and we NEVER felt pressured about anything. When we finally found "the one" the process was so smooth it almost seemed too easy. Like they really gave us the keys to a house?! Haha that's nuts. But it's just proof that his 100% drama free mantra is absolutely true. As a South Florida native too, something else I really appreciated about Nick was how evident it was that he has roots and connections here. Every other party we needed to work with throughout the home buying process he recommended was amazing, from the home inspector to our mortgage lender. After closing, we had some minor hiccups and Nick's still been there for us. We're so excited to settle into the perfect first home for our growing family.

I've known Nick from the Hollywood Chamber for about 3 years. He's a wonderful person. He is always…read morehappy to answer whatever real estate questions you may have. I've twice recommended Nick--once to a family member. He is professional and a straighter shooter. You can tell he enjoys real estate and is familiar with the marketplace. When buying or selling you should find someone who understands you and the area. He will take the time needed to make certian this happens.

Lucas Lending - U Mortgage - The Lucas Lending team training Real Estate Agents on the nuances of appraisals to assist them in better advising their clients

Lucas Lending - U Mortgage

(5 reviews)

Raving review incoming!…read more TLDR: Lucas is one of the most professional, thorough mortgage brokers you'll meet with outstanding communication and customer service skills! If I could give him 10 stars, I would. Highly recommend. I worked with Lucas on lining up financing for my property in Miami. My challenge was securing funding as a business owner with variable sources of income. Lucas was able to find a financing option that fit my situation and educate me along the way. This was my first time purchasing a property in Florida so I had to get familiar not only with the financing offer structure but also with the closing process components overall. Lucas provided a detailed walkthrough of different lending options via loom recordings which I could rewatch multiple times to fully comprehend the information. Lucas's communication was always on time and to the point. I felt like he had my back the whole time. Lucas made sure that the deal was moving forward at a proper pace and helped to resolve any questions and roadblocks promptly. I recommend Lucas to anyone looking to secure funding for their next real estate purchase!

Lucas is a mortgage broker like no other! His attention to detail and personal support is unlike…read moreanyone you'll ever meet. He knows the ins and out of the entire mortgage process and made sure I understood all of my options. His creative solutions and expertise allowed me to get the home of my dreams. I can guarantee you will not find a more personal, comprehensive, professional and knowledgable person out there. Buying a home is a huge decision and I highly recommend working with Lucas. Not only is he amazing at his job, his empathy and dedication set him apart from any professional you will ever work with.

First Choice Financial - *Follow us on Facebook *** www.facebook.com/FirstChoiceFinancialInc *Follow us on Instagram *** www.instagram.com/firstchoicefinancialinc/

First Choice Financial

(45 reviews)

We had a great experience with First Choice Financial. Julie was excellent and the process was…read morecompletely seamless and easy. It was very much no stress all the way. As far as numbers go, First Choice offered us the best deal, much better than what we found at traditional banks. And the loan process was a breeze. Whenever something came up, Julie made sure to quickly communicate what to do or send. She was easy to reach and always there for questions. Julie treated us with the utmost respect and professionalism. You could plainly tell that not only was she a seasoned pro, but that she also had our best interests at heart. Huge plus. There is no comparison between First Choice Financial and major banks. It was such a better process than I am used to, I am really kicking myself for not using them sooner. I would highly recommend.

We can't say enough wonderful things about Julie at First Choice Financial! From the very…read morebeginning, she made a stressful process feel smooth and manageable. Julie was always patient, kind, and incredibly responsive. No question was ever too small, and she took the time to explain everything in a way that made sense. What really stood out was how much she genuinely cared about helping us reach our goal. She went above and beyond to make sure every detail was handled and kept us informed every step of the way. It honestly felt like we were working with a trusted friend rather than just a lender. Thanks to Julie's hard work and guidance, our experience was smooth, positive, and even exciting. We're so grateful for her support and can't recommend her highly enough to anyone buying a home!

Premier Lending - Holiday card from PLC

Premier Lending

(24 reviews)

This was me and my wife's first experience in buying a home. Our move came sudden due to a school…read morerelocation and it's the first time we've left the county we both grew up in and have our family in. I heard of premier lending group and Manny through my Realator. Not only did Manny do what other mortgage brokers said wasn't possible but he was also always there either in phone call, text, email and or open office doors to answer any question any time of the day or night with patience and true knowledge of the real-estate world, that we all know can be a shark infested environment. He kept it honest and gave us his opinion as if we were his family or long known friends. Buying our first place wouldn't be possible if it wasn't for him and team. We'll always be thankful and definitely will use him again when we're ready to grow our family tree and look for a bigger place. We definitely recommend him and his team for anyone looking to buy a home. Thank you Premier lending for your excellent and speedy work. Alan and Sarah

The after-sales service truly remains greater than 5 stars because even years after we closed on…read morethe house, they stay keeping you informed through emails on the housing market, loans education, and sweet holiday messages and cards to remind you of the best purchase you made with their help. Thanks again for your help and happy holidays PLC! Highly recommend Alexis Vanlandingham as your mortgage broker, super reliable and communicative, will guide you thoroughly throughout the process and find you the best deals in the market for you! Compared to other interest rates in the markets I truly feel like I got the best deal at that time and I'm sure she continues to find best deals for her clients!

Christina Klingman - mortgagebrokers - Updated October 2026

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