Couldn't recommend Keith enough! His consultative approach is very thorough, thoughtful, and…read morenon-pushy - providing peace of mind throughout the stressful home buying process. Keith has a deep understanding of the mortgage market dynamics and was always willing to hop on a call to share insights and perspectives on the best approach throughout the process. Keith was able to secure a highly competitive rate while delivering top-notch service and closing couldn't have been smoother.

Best loan officer in the world! Super communicative and informative. Very knowledgeable. Easiest…read moreclosing ever. Best value that one can get from a home loan officer!!

Mike at Westlake Mortgage has been a total game-changer for me, honest, low-pressure, and genuinely…read moreon my side. Two years ago he walked me through refinancing, knocked a full point off my rate, laid out every number crystal clear, and made the whole thing painless. Saved me serious cash without any surprises. Then this year he popped back up, had spotted an even better deal, another point drop, and didn't just wait for me to ask. He proactively hunted it down, explained why it made sense, and handled everything again. No sales pitch, no hidden fees, just real savings when it actually mattered. He's not out to nickel-and-dime; he's looking for the big wins that actually move the needle. Feels like he's working for me, not the bank. If you want someone who'll keep an eye out for you without the hassle, Mike's your guy.

Mike is a true professional! Very communicative and knowledgeable. He creates a seamless…read moreexperience.

This mortgage keeps an escrow account after closing even I paid more than 50% downplay and have…read morearound 800 credit score. It caused big trouble because Bay equity sells the mortgage right after closing, so do not accept request to close the escrow account. It is very clear no borrower wants to have escrow account to save property tax and insurance beforehand, no interest and lost control. I was not being asked and explained during mortgage application process. Bay equity is also very pushy especially when asking me to sign, I was not being given enough time to ask all my questions, I was told that version is not final, only after I signed they could schedule appraisal to keep closing in time. DO NOT RECOMMEND unless you are super clear and all hidden agenda in mortgage!

STAY AWAY FROM THIS COMPANY AT ALL COSTS. I would leave 0 stars if I could. they will not…read morecommunicate with you throughout the process and then they will rush you at the very last minute. You will be ignored, pushed around, transferred to different contacts, and will be working with inexperienced loan officers in training. DO NOT TRUST THIS COMPANY.

SCAM ALERT!!!! We paid a "commitment fee" up front. Now they…read morewon't answer the phone or return our emails or phone calls

The branch manager at first FIX AND FLIP LOAN gives you excellent customer service and is very…read morehelpful and explains everything before you sign the paperwork.

OMG, the service in this place is SO bad! I got a loan with…read morethem, always paying on time for years via automatic payments to arrive on the 1st of the month. One day they changed their accounting system (I'm guessing), and no longer does it recognize my payments as on time, but as days late, because it's now expected on the 21st. I called and spoke with a rude and unhelpful agent, didn't make a difference. I've paid already the equivalent of 10 months mortgage this year, but Caliber still thinks I'm late on my payments. I've sent extra mortgage payments at least 4 times this year, but Caliber changes them to "principal only payments"! I cannot stress how bad this company is!

Dan is super knowledgeable, responsive and always available to answer questions (even taking…read more a call from me when he was on vacation!). His monitoring of market trends and transparency with rates helped me feel super comfortable with my first home purchase. Ember was great at communicating everything clearly and the team made the whole process easy and seamless!

This wasn't our first mortgage but it was the first time we realize how much of a different a great…read morelender can make. Dan has been very communicative and reliable throughout the process. We went through multiple options while Dan and his team working efficiently to make sure we could secure a loan we are comfortable with. He really made a process that was stressful in hindsight went by smoothly. I'd totally recommend Dan to anyone looking for a mortgage.

We were referred to Umar Gebril to buy our next home and he expertly guided us through several…read moredifferent stages - pre-approval, possible bridge loan (didn't end up using, fortunately), how to best use our $$ while processing our new loan. Once we found the house we wanted, we were already well positioned to make a strong offer! He also was able to close our loan in as little as 15 days - and in the Seattle market, you HAVE to have a strong offer and your lender's reputation and ability to close on time is critical. Also, Umar is just a great guy overall - we enjoyed his candor and felt very confident following his guidance.

We were first introduced to Umar over two years ago, when scrambling to submit an offer on what we…read morehad believed to be our "dream home." Umar was exceptional. He was incredibly responsive, turning around a pre-approval in record time, and walking us through every step of the first-time homebuyer process. From that time to now, I'm pleased to say that we did indeed finally secure our "dream home," in no small part due to Umar & the Academy Mortgage team's partnership & support. It was thanks to Umar that we were able to offer competitive terms, including the fastest close that I've ever heard of, even in spite of holidays. If you're in the market to secure a home loan, I highly recommend Umar & the Academy Mortgage team. They're THE BEST.

Working with Todd Chambers was great, I made him work for it though. All the terms were as…read moreexpected, even after the bank they were using tried to bump up some of the closing costs. All things are negotiable, to an extent.

I just financed my third loan through Justin at Arboretum. He's always been professional,…read morepersonable and has educated me throughout the process. I can be kind of a pain sometimes, and Justin has great patience and answers for all my questions. I highly recommend working with Arboretum. It has been a pain free, no surprises experience. In all three loans, it turned out more financially beneficial to me than I thought it would going in.

I can't say I have much experience with mortgages since this was my first, but I do know people,…read moreand Maggie, as well as her team, were awesome! Honestly, I cannot believe how easy everything was. Maggie was very helpful in explaining all the paperwork to me, took the time to answer all of my questions, and was extremely great with communication. Working with her was more like working with a friend...I never felt like she had anything but my best interest in mind. I don't think my experience could have been any better. Being in the middle of the holiday season, being busy with work, the boy, and just life in general, I never really felt stressed about the loan side of the process. I'm telling you, the process for me was quick and painless. I hope to do business with her again in the not so distant future, and will definitely be recommending Maggie to anyone who may need a mortgage.

Maggie is the most knowledgeable, professional, helpful, and responsive mortgage loan advisor you…read moreare likely to ever find in this industry. My wife and I have purchased two homes in the last five years using her services at both RPM and CrossCountry mortgage, and she's our absolute go-to for all mortgage and financing needs.