Gwen and my refinance team was out of this world amazing! When I decided to refinance my home I was…read moreapprehensive and annoyed at the thought of collecting all my documents and running the hamster wheel to get all the finance items complete. Day one, David contacted me to ask me a few questions, not but a few hours later and 8:00 at night, Gwen emailed me with my refinance options and that night, not but three hours after David called, I was ready to roll with the refinance. It kind of happened on accident and because the team was so on-the-ball, I rolled with it, pun intended. haha The experience felt like I wasn't experiencing anything. This is a good thing. I went on with my life and I would receive an email from the team asking for an item or two, I would send it, and I moved along with my life. This happened about three times, went in to give a signature, and poof, Gwen sent me my closing day, which mind you was moved up by 9 days because they were so prompt with their process. I understand that this process might be a bit more daunting or consuming for some people, for me it was seamless and surprisingly easy. I will admit, I am organized and have all the paper work that is needed ocd, organized in my office, this helped the process for sure, I didn't have to hunt. Another thing that helped make my process easier, response time. I never sat on their emails, I would email within minutes of receiving communication. The story ends like this, use Gwen and her team. They care and they work hard for you. I even received a call from David two months later to remind me that my first mortgage payment was due. I felt this was the rum soaked cherry on-top of the refinance cake.

Worst home buying experience EVER! AVOID AT ALL COSTS!!…read more I was referred to Waterstone mortgage by my real estate agent. Wow that was a mistake! I couldn't have done a worse job if I had tried. Barb Perry and her "team" were unprofessional, useless and didn't seem to care at all about the money I was giving them. "Minimal effort for maximum reward" must be their slogan. They were extremely inexperienced, petty and reactive during the entire process. They had 2 months to do a decent job on my loan. They obviously procrastinated and bumbled my entire loan. I was told I would need 6,000 dollars to close. There were too many mistakes to mention on the closing documents. Last minute errors were being corrected. Even at closing the errors were still in the documents. . They had 60 days to get my loan documents right and they still couldn't do it. Then the day of closing I had to bring a total of 12,000 dollars to closing. How in the hell so you underestimate 6 THOUSAND DOLLARS?!?! After we signed all the documents they asked if I would like to fill out a survey. Oh boy would I ever. I wish I could have wiped my butt with it. I filled out the survey and could have started a fire with it I was so mad. To add insult to injury They sent a 5 dollar bucket of popcorn with their business card plastered on the front to my place of business as a shameless act of advertising. I was not impressed but rather embarrassed and offended. There is no way I would ever refer anyone to Waterstone mortgage. I'm kind of upset it took me this long to write a public review about them. The only reason I remembered is because I'm still on their mailing list. When I have specifically and in no uncertain terms made it abundantly clear that I wanted no further contact from them whatsoever. Barb Perry aka (Carol Baskins) just sent me an email today asking if I wanted to refinance. WHAT?! ........ No, no, no, no, no no no no no no no no NNNNNNOOOOOOOOOOOO!!!!! Not only no but HEEEEEEEEEEELLL NO! So please. Don't use Waterstone Mortgage. They are literally THE WORST!!

Creekside Mortgage Company delivered an efficient, well-organized process. Document handling was…read morestraightforward, and the staff, particularly Chelsea and Kerry, were courteous, knowledgeable, and responsive to every inquiry. I appreciated their promptness and would recommend their services.

If you need a mortgage, you NEED to call Creekside. Amazing communication, knowledge, and quick to…read moreclose. Anthony responded to every email in a timely manner and kept us in the loop along the way. Highly recommend this group! Great experience!

Our real estate broker referred us to Dan Doster at Prime Lending, and the referral couldn't have…read morebeen better. Dan was extremely helpful, always had great answers to my questions, and just downright personable. He got us a great rate on a 30 year fixed mortgage and guided us through the process from beginning until settlement day. I would highly recommend Dan to everyone. Dave and Donna T.

Talked to Dan for a week or two, gave him all my information. Then nothing, no response and no…read moreexplanation

Review update January 2020. Melinda continues to be the lender I trust the most in the…read moreBoise/Treasure Valley market. Melinda is now the manager for the local Guaranteed Rate office. She has also had a name change to Melinda McCaslin. Melinda isn't necessarily a yelper. I think I actually ended up creating a profile when I first left a review for her years ago. She simply the best in our local market--I needed yelpers to know about her! I had a yelper reach out to me for her current contact information so I am updating the review to reflect that. Whether VA, local Idaho housing options that out of state buyers may not know about, conventional, or jumbo mortgages, Melinda is the most knowledgeable loan officer out there. She also gets things done 100% of the time and I trust her completely for my own mortgage needs and those of my clients. melindam@rate.com or 208-631-9194

We had a great experience working with Melinda Kim at Guild Mortgage to secure a home loan for our…read morenew house in Boise. We were buying from out of state and considered working with other lenders, but ultimately chose Guild after meeting with Melinda because of her professionalism and reputation in the Boise market. She and her team were fabulous--extremely efficient, responsive, thorough and personable. Even though we were under a time crunch for our closing, they completed our loan process with time to spare. I highly recommend Melinda and the Guild team!

We had an amazing experience with the Benchmark team for our home refinance!…read more From start to finish, the whole process took less than 21 days! (Two other banks quoted us 60 days MINIMUM to process our refinance.) Benchmark quoted us a 30 day or less timeframe and they kept that promise. We were given comparison documents less than 24 hours after providing our personal information and what we were hoping to accomplish with the refinance. The staff was vary transparent and kept us updated along the way. Their customer portal was very easy to use and navigate through when uploading and signing documents, as well as seeing exactly when documents were reviewed and accepted. We called the office several times with questions and they were always cheerful and helpful. We were never put on hold, and they always returned calls quickly. Through the whole process, it felt like we were their only clients because of how much attention they dedicated to us. I was honesty amazed by the level of customer service. Between their "family" like feel, the quality of ethics, and detail of service, Benchmark has been the best company we have ever worked with in the industry. I highly recommend them and will absolutely be using them again next time we purchase or refinance a home.

What an amazing team that work with you to get your mortgage done in a timely matter. Very…read moreresponsive to any question you might have as well. I'd highly recommend them.

As first time home buyers who were also moving from out of state, my husband and I were quite…read morenervous and overwhelmed by starting the process of house hunting and the ins and outs of finding the right home. A huge concern of ours was signing with realtors who weren't as concerned with buyers in a lower price range and buyers who quite honestly needed a bit more hand holding as we knew next to nothing about the process of a home purchase. Even after our first consultation with Kirsten and Rick, we felt loads better. After our first in person meeting, we were more than sure they would treat us well and we couldn't have been more correct. They never once treated us with any judgement and always gave a superior level of customer service for us in spite of being on a more "starter" home budget. They took the time to explain things in plain terms, allow us to ask questions without judgement, and more often than not - anticipated the information we would need or want so we didn't even have to ask the question! After only looking at 4-5 houses with them, both Kirsten and Rick were able to so accurately understand and anticipates our needs and wants for our home that we felt entirely comfortable putting offers on homes that we had not seen but only they had seen in person - we felt 100% sure that if anything was even potentially an issue for our wants and needs, Kirsten and Rick would notice and bring it to our attention. They consistently went above and beyond for us as well. While we were watching for new listings that met our wants/needs constantly, Kirsten and Rick had hawk eyes on the new listings. There were a few listings we'd send them, that without any prompting from us, they had gone to look at on our behalf already. While they had other clients actively working with them at the same time as our home search, never once did Kirsten and Rick not respond nor were they completely unavailable for our inquiries. Response times were always quick and any last minute requests or changes were handled with respect, kindness, and understanding. Their level of organization and their vendor network (lender, title company, home inspector) made the experience incredibly smooth. Kirsten and Rick and their vendors worked so seamlessly together that other than looking at the potential houses, we didn't have to do any of the legwork. We continually kept saying to ourselves, "it cannot be this easy for everyone" and after sharing our experience with family and friends, it clearly is not. We cannot stress enough how incredible the Powell's made our first home buying experience. If there is anyone on the fence about reaching out to them - as a buyer or a seller - don't hesitate any longer! It will certainly be the best decision you make for your home buying or selling process.

Rick and Kirsten did a phenomenal job helping us sell our house. The process of selling a home is…read morescary and overwhelming and frustrating. We relied on their deep level of expertise to guide us through these moments, and it was clear to us from the very beginning that they really cared about us in our family. I could not recommend them enough, the honest truth is if you go with anyone else, you will not be getting the same quality and attention to detail that Rick and Kirsten always give their clients. Thank you so much for your Incredible and dedicated help Rick and Kirsten, as our family transitions to our next chapter!

Thank you to Sandy at Homes of Idaho for making our home search so much easier than expected. She…read moreprovided listings, met us at viewings, and was always kind, attentive, and quick to reply when we had questions. She also connected us with valuable contacts for other services, like a VA home loan. On top of that, Homes of Idaho provided a moving vehicle free of charge, which was a generous touch we really appreciated. Highly recommend!

One word, desperate. I would never do business with someone that begging for business. They must…read morebe on the edge of going out of business. I would never consider using them.

My home purchase was the easiest real transaction of my life. No doubt, this was a result of the…read moreextreme professionalism and care provided during the process. I highly recommend using Top Idaho Real Estate.