I first met Scott back in 2013 when my real estate agent introduced me to him. Frustrated with the higher rates banks were charging, Scott got me into my first home with an incredibly low interest rate through NYCB. They were absolutely wonderful to work with! I was a little worried about working with someone out of state, but NYCB had superior customer service. I never had a single issue whatsoever.
There was a ton of paperwork to submit then, and unfortunately, not much has changed. If you want to close on a home in a timely manner, you do need to be on top of everything. The lenders request anything and everything imaginable, so you really need to be prepared to act when they request the information. Maybe if you went through a bank, there might be less paperwork because they have much of your information on file? However, I wanted the best interest rate I could get, and this was definitely the way to do it!
When it came time to purchase my second home, Scott was the first call I made. I got another quick pre-approval. Trying to close on a home while working full-time at a new job could have been a challenge, but Scott worked with me when it was convenient for me- in fact, his wife even picked up a document for me, knowing that I couldn't get to the location before it closed! That's impeccable service!
I closed on my new home two weeks ago, and couldn't be happier. My new interest rate is even lower than the first- and that was 2013 rates! I received my first mortgage statement in the mail within a week of closing, so I didn't have to try and hunt anyone down to make my first payment on time.
I recommend Scott to everyone I know that's looking to purchase a home- especially when it's their first home. He has always been incredibly patient and has a great sense of humor, as the process can be exhausting at times. I am promising myself I'll never move again after realizing all of the packing and unpacking that needs to be done... But if I ever forget and decide to move again, Scott will always be the first person I go to in order to secure my loan. read more