Want to thank C & T Mortgage, Inc and their all stars - Resham M. , Carrie Panacek for a smooth…read moremortgage 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.

We could not be more pleased with our experience with C&T mortgage. Tami took care of every single…read moredetail 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!!!

I love Sweetwater. They are very efficient, always give me the best rates and make the entire…read moreprocess quick and painless. I've worked with Jim three times now and he remains consistent, professional, responsive and knowledgeable in every circumstance. I've completed a refinance of my 1st home, a finance of a 2nd home and a cashout refinance. I have no complaints from either. If you want a company that is consistent and will work hard for you, I highly recommend Sweetwater.

I have had a wonderful experience working with Sweetwater Mortgage…read more Jim, Elle and Gayle have all been extremely helpful and have helped us with a home refinance and mostly recently our new home. I couldn't recommend another mortgage company any higher and if you want the best rates and service give them a call.

We had a fantastic experience working with Edward! High-quality guidance and professional expertise…read moremake a massive difference during the stressful process of closing a loan.

Ed always provides amazing service. This is my send time using him as my loan officer. He answers…read moreall questions, is easy to get in touch with, is patient and very helpful throughout the process. I will continue to use him and refer him!

Alex & Ross were great. They kept me abreast of everything that was happening and what I should…read moreexpect. They were very knowledgeable, and gave me options that I was comfortable with

I got multiple mortgage pre-approvals from different lenders and Academy quoted me the lowest…read moreinterest rate right away. Alex Rayner was very helpful the entire time.

Member Home Loan in Houston needs to be shut down. I mailed them a check on July 29th and it had…read morenot been processed by August 15th. I tried calling them several times and always had to wait over 20 minutes to speak with someone. The blame everything on the mail. My late husband had the same problem with them saying they did not receive the payment. Then they wanted to charge us a late fee. I asked a guy for the contact office in Minnesota. he gave me an bad number to call. I finally got in touch with Nick in the Minnesota office. I explained the problem I was having with the Houston office. He was able to get my payment applied immediately.

I really wanted to like member home loan after being referred by my credit union. Sadly it took TWO…read moreWEEKS and 4 follow-ups to get a response on application. As a professional in the industry that's unacceptable. I moved on to another lender with prompt response times.

My husband and I just closed a loan for our new home with Mark & Next Step Home Loans. This is the…read morethird (and hopefully last) home that we will be purchasing, but he has been the best broker we have had, hands down. His follow through and communication with the other parties involved, explanation of our options and help evaluating them, all of it has been exemplary. If we ever have a need for a loan broker in the future, we will be coming back to Mark and cannot recommend him enough.

From the owner: Next Step Home Loans, LLC. specializes in providing wholesale mortgage rates and terms for new and…read moreexisting home purchases as well as refinances of existing home loans. Wholesale rates with small-town like service. Located in Cypress, TX but serving the entire state of Texas. So, whether you're a first-time home buyer, moving up/down or buying your retirement home, we'd be honored if you took your NEXT STEP in home ownership with us.

It was a pathetic experience with Nancy Jackson, Crickett Youngman, Karen Ellison, Hector Duenas &…read moretheir entire team, spoke to many their executives with no support what so ever. Please be careful with their gimmick when they say that if the financing wouldn't go through, we will refund your deposit/earnest money. On October 8, 2025, I signed a sales agreement with Highland Homes - Houston LLC with the clear understanding and confirmation from their sales representative, Mr. Hector Duenas, that my $5,000 earnest money deposit would be fully refunded if financing was not approved through Highland HomeLoans LLC, a subsidiary of Highland Homes. This condition is explicitly stated in the sales agreement. The closing date was scheduled for November 17, 2025. Although I submitted my mortgage application on October 8, 2025, I did not receive any communication from Highland HomeLoans until November 4, 2025, just 10 days before closing. At that time, their representative, Ms. Crickett Youngman, requested additional documents, which I provided immediately. On November 5, 2025, I was informed that loan approval had been received with conditions. Further documentation was submitted on November 7, 2025. Despite this, the documents were not reviewed until November 11, 2025, only after I followed up due to the rapidly approaching closing date. On November 13, 2025, additional questions and document requests were made, which I fulfilled the same day. Throughout this period, I was repeatedly told (at least three times between November 7 and November 14, 2025) that my loan was "99% approved." However, on the day of closing, I unexpectedly received a loan denial email from Ms. Nancy Jackson, Senior Representative of Highland HomeLoans LLC. While Highland HomeLoans verbally confirmed that the earnest money should be refunded, their refusal to issue a written denial letter effectively prevented the refund. Given that both entities are under the same ownership, this appears to be a coordinated effort to withhold funds in violation of the executed sales agreement. On December 4, 2025, Mr. Hector Duenas contacted me stating that Highland Homes would refund only $2,500 of the $5,000 deposit, and only if I signed a termination agreement by December 7, 2025. I was also told that if I did not sign by that date, no refund would be issued at all. Under extreme financial pressure and lack of alternatives, I signed the termination agreement to recover at least part of my deposit. Even then, it took more than three weeks for the check to be issued. Additionally, in order to meet mortgage approval requirements, I was forced to sell my 2024 Honda Pilot, incurring $6,000 in negative equity. This entire process caused significant financial loss, emotional distress, and wasted time. Despite being fully aware of my situation, Highland Homes - Houston LLC refused to honor the original contract terms and acted in a coercive and unfair manner. Please be careful with dealing this company.

I purchased my first home with highland homes and i went with their lending company due to lack of…read moreknowledge and experience. The one assisting us with our loan was RENE ALVAREZ. We had the worst time with that process. He explained very little us and provided the bare minimum amount of assistance. He always brought up fixable circumstances at the last minute and we always ended up scrambling in a panic. It was almost as if he did not want us to get approved. I am happy with the home itself. I made the mistake of recommending my friends to their lender thinking they would not end up with him and now they are having the exact same problems with RENE ALVAREZ. He has zero customer service and always gives them a hard time. They told me that he treats them as if he does not want the to get approved same way we felt with him. Is there someone i can report this to?