I first retained Chris Kivlen's services for financing a home, back in 1999. Since that time, I…read morehave refinanced several times, and closed recently, on another home. Chris's performance as a mortgage finance man, is simply outstanding. He work's hard to find you the lowest rate, and sees the job through to the end of the purchase. It is difficult to find this level of professionalism, today. I can also tell you, for a fact, that Chris does not milk and bilk his client's for their last cent. If you need help in purchasing a home, I would strongly advise you to call Chris-no bank will match his level of personal, attentive service.

I have been working with Al Gianandrea (President of Harbor Funding) for many years. As a real…read moreestate attorney (39 years of experience), I have never come across a more professional, caring and efficient mortgage professional. Al has handled mortgages for many members of my families and dozens of clients, each one would give him a 5 star rating as well. I appreciate that he provides honest assessments and value his opinion and analysis. Please contact Al for a no obligation review of your situation (or even a second opinion).

After shopping around to various banks and lenders, we decided to refinance our home with Grayton…read moreMortgage, and I'm so glad we did! Not only were their rates among the best quotes we got, what really set them apart was their communication. Every step of the way, Kevin and Eyal would fill us in on the details of what was going on, breaking everything down for us in plain language, often patiently re-explaining concepts to us multiple times so that we could really understand what was going on. Whenever we had questions, they would often respond within minutes. Our situation was a little more complex than an "ordinary" refinance, and they made it as easy and painless as possible. These guys really go above and beyond -- I will definitely be using them again, and cannot recommend them highly enough!

We closed on our first home in late March 2026 after a months-long process that required navigating…read morea tight timeline, a complex condo approval, and significant financial stakes. Kevin Leibowitz at Grayton Mortgage was exceptional throughout. As first-time buyers, we came to this process with limited knowledge of how mortgages work. Kevin invested considerable time in telephone conversations where he walked us through the fundamentals -- how loan structures work, what the key figures mean, and how different decisions would affect our outcome at closing. He was never dismissive of our questions and consistently ensured we understood what we were agreeing to before moving forward. His value became most apparent on closing day itself. Kevin attended in person and conducted a line-by-line review of the final figures. He identified a duplicate charge of approximately $13,000 that had not been flagged by anyone else in the room, including our attorney. He challenged it directly, and it was removed. Without his presence and diligence that morning, we would have overpaid by a significant sum. Kevin is responsive, precise, and genuinely invested in his clients' outcomes. We would recommend him without reservation to anyone navigating a purchase in New York City.​​​​​​​​​​​​​​​​

I worked with Jose Palomar on the purchase of my first home, and he was a pleasure to work with. He…read moreis very knowledgeable and helped us navigate the Teacher Next Door program, which made it possible for my family to afford our first home. Even while I was on holiday in Colorado (from Florida), Jose arranged a notary so we could finalize the mortgage paperwork, showing his strong networking and commitment to getting the job done.

I recently brought my first home, and I was working with Jose L. Palomar. First home, all pretty…read morenew and scary right? So you want to hand over your trust into one person who knows what they are talking about ... WRONG, do your research, thank god I search around for different mortgage companies before peoples mortgage, because Jose L Palomar was giving me a rate of 5.8, while the going rate at the time of my purchase was 3.3... Some of you may not understand this, but basically his company would have pocketed 800 extra dollars from me every month. A monthly mortgage with People's Mortgage would of come down to 4,600 every month. Caliber Mortgage, (the small bank company I went with) had me with the 3.3 rate coming down to 3800. Jose L. Palomar knew what he was doing, every mortgage company has access to the going rate of the market. The worst part is, he was so trustworthy, he called every other day to check up with me on the process, but I knew something was fishy once he got try to pursued me to stay even though I told him I couldn't afford the monthly rate. And when I tell you pursued, he attempted to get my realtor involve to remind me the benefits of purchasing a home, complete douchebag. The perks aren't worth the scam, most companies if they want your business will wave most of the fees that Teachers Next Door offers aka People Mortgage Scam!

I highly recommend Tony and Positive Services. He was a pleasure to work with and extremely…read moreknowledgeable on the mortgage process. He kept me informed throughout the process and was able to close in about 2 weeks. I will definitely come back for my next mortgage!

Tony, who is the owner of Positive Services Inc, is the mortgage broker. He is helpful in getting…read morethe forms filled out by talking to him over the phone and he sends them over to you via e-mail with passwords for you to sign and hand in to him for him to get the process started with the banks. I was referred to him by my attorney. Supposedly, he is representing different banks and is supposed to get you the best mortgage rate. However, it seems like he really deals with Wells Fargo mostly. From what I looked up online, Wells Fargo does seem to have the best rate compared to the bigger banks. So that's fine with me. He does follow up with you and updates you on what the bank is requesting to satisfy the commitment of the loan Since I am still in the purchase process of the house, I will have to come back and update this review at a later time. UPDATE!!! ---3/16/2012 So everything went fine with the bank and loan was approved and everything went through. He always sends e-mails of any updates or of anything that I need to do on my end or calls me if it's urgent. He makes sure that the process goes through smoothly, so it was a good experience.

Johnny Tsu is my mortgage guy who help me with my 3 family refinancing. He's professional, patient,…read moreand responsive. He can spot the issue before it actually occurs and well prepared with plan B, this way saved me lots of time and smoothen the whole process. And best of all, he gets me the best rate and even saved me couple thousand dollars for paying the broker fee. The whole process was smooth and comprehended. I will definitely recommend him!!

This is a much overdue review for Charles Lomolino he has been working with my husband and I on…read moredifferent rental properties in CT and he has always been very professional and easy to work with. He is responsive and tries his best to help us with random financial questions. There have been some hiccups along the way with some things but a lot of it has to do with the underwriters. We have had some mis understandings as well but all in all I can say he has been a true help in our road to getting some rental properties financed. We are located in California and he has been a huge reliable financial resource for us in the east coast. If you have any financing needs and want someone who is honest and reliable try and reach out to them.

I strongly recommend doing your own research and shopping around before working with this company,…read moreespecially if they are recommended by your real estate agent. Trusting that recommendation without comparing other lenders was one of our biggest mistakes. Our biggest concern was the lack of privacy and transparency. Throughout the process, the lender was in constant communication with our real estate agent, the listing side, and even the seller's attorneys. Information about our loan and personal circumstances was shared with other parties before it was communicated to us--including information we would not have chosen to share. When we initially questioned whether information had been shared, we were told it had not, only to later learn otherwise. This completely destroyed our trust. We also experienced delays and additional charges related to closing. After the issues surrounding our information being shared, we were given a "discount," which only made the situation more frustrating. My biggest advice to buyers: SHOP AROUND. Compare lenders and get your own quotes for every service you are allowed to choose, including title and survey services. We were repeatedly told "those are the rates," but later found differences of several thousand dollars compared with other options. As inexperienced buyers, we trusted the professionals guiding us, and we regret not researching everything ourselves. Less than a month after closing, our mortgage was transferred/sold for servicing to Chase. Had we known how the process would play out, we would have compared this lender much more carefully with Chase and other major banks from the beginning. Buying a home is stressful enough. Get multiple loan estimates, compare fees, question every charge, and never assume a recommended company is giving you the best deal. Based on our experience, we would not use this company again or recommend them to friends or family.

Chris was there for us from pre-approval to closing. He is professional, patient, and truly knows…read morehis stuff!! We would recommend him to anyone who is looking to purchase a home!

I am really disappointed with the level of service, communication, and turnaround time, and will be…read moreresearching other options. I have been at this with them for approx five weeks and I'm told it's a pretty straight forward mortgage, yet no answers yet, and told it's going to be another two weeks. Chris tells me pre- approvals are on the back burner, and some lenders don't even do them anymore (hard to believe) so I feel like I'm penalized for not having a property yet.. while brokers tell me this is the responsible way to buy. I wish I would have done more research before I allowed Grand Oaks to do a hard pull on my credit. If I had a nickel for every time I heard Chris say 'I have been doing this for a long time', I would have money for another down payment. Just do your research folks, don't make the same mistake I did. Live and learn.

This is my third time buying or refinancing a mortgage with Diversified funding. Kenny and staff A+…read moreratings, so professional and knowledgeable. They will always try to get you the best rate out there. I will recommend them to everyone who wants a good and smooth experience refinancing or getting a mortgage at the best rate. Thank you

They tried to scam me asked for deposit 20 days before even the apt was empty,when zI asked to see…read morethe apt they sent me to a different one, they lost their temper watching me unravel the scam,never returned my call as we decided after seeing the "apt",asking for $1,876.00 deposit office scammer yelling at me ,playing victim...pathetic WATXH YOUR hard earned money