I interviewed several mortgage brokers and was quoted rates by several before I thankfully found…read moreInnovative Mortgage Group. Sam and Josh handled my refinance and I cannot say enough great things about my experience from start to finish, most importantly the great rate they secured on my behalf. They were both extremely professional and worked very hard to ensure I was informed and educated throughout the entire process. I never felt pressured and their communication skills were top-notch. I will definitely consult them for all my future mortgage needs and would absolutely recommend them to friends and family. If you're looking for a mortgage broker, please take the time to interview these gentlemen...you will not be disappointed!

Professional, highly knowledgeable, and quick to help us through our Refi process. Highly recommend…read moreJosh Bassan for any of your mortgage needs

Easily the most competent lender I have ever had the pleasure of working with! Joey and his team…read moremade my home purchase easy, treated me like family, and they have even followed up to ensure my continued satisfaction. It wasn't hard to immediately feel like part of the family. All communications were prompt, questions immediately answered, and follow-ups were clear and informative. Highest recommendation!

I've never had such a terrible service experience with a mortgage company. After we closed, they…read morewere supposed to mail us a servicing package but it never showed up. I mailed in payments using the information we were given at closing, but kept trying and failing to get an online account set up. Four months later, I finally got through to someone in the servicing department and they informed that they had already sold our loan to another company and that they wouldn't be taking our payments anymore. If I hadn't called about the online account issue, we would have never known that anything had changed or that we needed to send payments to somewhere else. Shouldn't they have to disclose when they sell your loan?? Edit: We found out that they had been mailing our statements and disclosures to the wrong address. When the mail kept getting returned to them for 4 months, they never reached out to us. Despite providing our mailing address at closing, Loan Depot mailed everything to our physical address (to which the USPS will not deliver mail). They transferred our loan from the California office to New Jersey office about a month after closing, but I never got the notice so I kept mailing payments to the California address which apparently was very wrong (and "amazing that your payments still got through" according to the service department). Even after the inter-office transfer, no one reached out us to ask why everything they mailed us kept getting returned by the USPS as un-deliverable mail. Unbelievably poor handling of the situation. Edit #2: After calling twice to confirm that they had corrected our mailing address, we are now receiving forwarded mail that they're sending to an old residential address that we have never used for mail. This address was never mentioned in any of my phone calls by either myself or the service representative, and I have no idea why they chose to start using it or where it came from. What a mess!

The process was great with ULC. However, they are selling their mortgages to a sub par company…read morethat has multiple complaints about unethical financial business practices to which that company is now in a class action law suite. I had to refinance again with a more reputable company to get out of the shady company my loan was sold to by ULC.

oh, my gosh, what a racket! Universal Lending (Sarah) has…read moreroyally given my daughter and her husband the shaft! It took Two months to get a refi, they charged them thousands, they lied to them about the 'research' they were supposed to do, and ended up with almost the same house payment. Skip this business.

This is a review for Amy Daniel a Loan Processor for FCFS. I am an Insurance Broker with Square…read moreState Insurance here in Denver and usually, the interactions between Loan Processors and Insurance Brokers is a very standard exchange. Amy went above and beyond to help explain Insurable Value (Replacement Cost) vs Market Value (Sales Price) to the insured. Amy also was very efficient and answered follow up questions very quickly. In 10 years as an Insurance Broker, I have never felt the need to leave a Loan Processor a review, but I was truly impressed.

FCFS are simply the best there is out there. Don't hesitate , and just go to them. I went to them…read moreafter a recommendation from a friend when I was purchasing my first home and I could just sit back and relax knowing they had all the bases covered. I went back to them on my refinance because why wouldn't I and again, best service, attention to detail, professionalism, and once again I felt completely taken care of . They are truly the best there is out there, I highly recommend them, special shout out to Michael and Chris!

Personable: 0/5 Professional: 1/5…read moreConfusing quote that shifts numbers to look confusing to borrower: 5/5 Best rates in town: likely, but you PAY extra in fees what you gain in small rate. Felt like we were dealing with car salesman. Unfortunate. Do not expect the quote you get from Zillow or LendingTree to be what you get from this company.

I was considering a refinance to reduce my mortgage payment via elimination of mortgage insurance…read more I had been locked in at 4.25% interest on a 30 yr fixed FHA loan--not bad--but when interest rates dropped in mid-October (2014) I plugged the numbers into the zillow mortgage calculator to get some automatic bids, and K2 lending provided the most appealing offer at 3.875% on a 30 yr conventional loan with pretty low total costs (it ended up being something like $1700). I had to hope for a reasonable appraisal so that the loan-to-value was under 80%, and fortunately that is what happened. However, the agent we worked with at K2, Darren Snow, had a plan in place to reduce our payment regardless of whether the appraisal came in where we thought it would, or whether it came in lower. They do not promise to close the loan within 25 days but in my case they did--and my total payment actually came in lower than they had initially estimated. I was kind of a high maintenance customer because I had to close this refinance quickly. Darren and colleagues were professional while on a pretty tight schedule during a very busy time in which everybody and their sister was trying to refinance. In the end, K2 lending reduced my mortgage payment by a whopping $350/month. And because of their low fees, I will basically get back to even within two months--before I even actually make my first new mortgage payment--because I will save more money during the two skipped payments than I payed in fees. Pretty spectacular. Great company. So impressed!

After reviewing Mr. Martino's referral list to refinance our home we chose Affordable Interest…read moreMortgage and gave them a call. We were very pleased from the first call to the final signing of all the documents. Our loan officer was Mr. Jared Bouzek. He came to our home to begin the process and make sure we understood how it would work. He helped us with documentation and even called us while he was out of town to make sure everything was going ok. The closing was even at our home. We never had to go to their office, including the closing with Tood. But, it did not end there. He has continued to follow-up to be sure we were set up properly for our first payment and that we received our escrow back from our previous lender. We would highly recommend AIM.

Jared helped me with a cash-out refinance on a rental property in Broomfield, CO. From start to…read morefinish the process was painless and Jared communicated consistently and effectively and answered any questions I had along the way. Jared gave me a heads up on what to expect and followed up more than once to make sure the closing had gone well and to make sure I was set up with the loan servicing company to make my first payment on the new loan. I was happy with the rate and closing costs and we came out ahead of where we expected at the end of the day with the cash received at closing. If you're looking for a mortgage product in the greater Denver area I highly recommend reaching out to Jared to see what kinds of products he can offer.

I just completed my 8th mortgage in my life (a refi this time) so I would say in most circles I am…read moreconsidered a veteran home buyer. Working with Jason and Sonia was a pleasure. Jason and I discussed what I wanted to accomplish (going down to a 15 year mortgage) and got me into an excellent rate. Better than I could find anywhere else. Totally happy. To the Quicken Loan lover that posted here below - read the reviews. They may be the second largest mortgage re seller in the U.S., but their ratings are abysmal and the fact that you tout them as being your saving grace just tells me how little you understand. http://www.consumeraffairs.com/finance/quicken_loans_mortgage.html

Courtesy over the phone is completely non-existent…read more Obviously I had questions because refinancing or acquiring a mortgage is a hugely important process/decision. They treated me as an inconvenience for asking basic questions... still feel bad about the phone call. They truly made me feel like I was dumb and wasting their time. This is a red flag. With so many options for refinance/lenders -- I would recommend to steer clear of this company. Don't fall for the paid ads/commercials on TV.

Very impressed with a conversation I just had with US Mortgages' Wilson Todd. I sought an…read morealternate offer to compare with that I received from my current mortgage company. I had reasons to question the offer I received, and to my surprise, Wilson gave me every reason to go with that offer. The rational he offered for why he would tell his brother or best friend the same thing was revealing of someone who was more interested in being straightforward and looking for what is best for me. If this is the way they approach a cold call, asking if they could do better than the offer from my present lender, the sense of integrity and straightforwardness alone was impressive. The fact that I did not sense that Wilson was really overly concerned about "selling me" something, was also a real confidence builder. Therefore, I felt it was worthwhile to take the time to write this review and post it. I would definitely consider using this company if the circumstances were different, and Wilson could offer something competitive to me at that time.

Us mortgages worked on my refi. for a home in Palisade, Co. They did some things well and others…read morenot as well: Pros: good, timely and relevant communication they kept close to there closing time-line their fixed, 30 year rate was competitive Cons: They were over $2000 more in closing costs (and these costs were not easily seen in the loan documents). I became aware of them because they added these costs quietly to my new loan principal. They complained when I compared them to another lender. They were not correct when they said the large lender would take "months and months to close."