Over the years, we have worked with Brian on multiple home mortgages. His expertise saved us a lot…read moreof money and helped us get the loans we needed to eventually buy our dream home. He went way beyond our expectations for service and helpfulness throughout the process. He continues to provide excellent counsel as we have investigated refinancing our mortgage and buying a second home. As others have also said, I cannot recommend him highly enough.

Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

When I called Potomac Trust cold for information on a refi, I didn't get a machine saying "punch 2…read moreif you want to talk to a broker, 3 if I'm wasting your time and 4 if you like impersonal recordings like this one that make you feel like a number." I got the owner himself, after just two rings, a guy, with more than 20 years experience, a human being. Heath Bourne listened to what I was looking for in a refi and within an hour sent me an email with three written estimates from different lenders, each with an interest rate significantly lower than what I'm paying now! I am a person who asks a lot of questions. This can test the patience of and even annoy some people (yes, I'm talking to you, mechanics and doctors!!). I was going to say my wife, but thought otherwise on social media. Anyway, I get it. Time is money. Tough customers take time. But Heath answered all of my questions with professional courtesy and patience through multiple phone calls, emails and requests for revised estimates that would drive most brokers nuts. No wonder my online research revealed Potomac Trust Mortgage has an A+ rating with the Better Business Bureau (https://www.bbb.org/us/va/alexandria/profile/mortgage-broker/potomac-trust-mortgage-llc-0241-142453140). This may sound a little corny, but the "trust" in Potomac Trust Mortgage was more than just a name more. It was the way they did business with me. You can trust them.

As first time home buyers, we were quite overwhelmed with the entire process, from start to finish…read more Our first task - post finding a realtor - was getting pre-approved. We met with Heath at PTM at the suggestion of our realtor. He was incredibly nice, incredibly helpful, and willing to answer any questions we had. We peppered him with questions via email before he had any idea whether we'd use them or not, and he answered every one of them thoroughly and promptly. When we had an offer accepted, one condition was that we close in three weeks. Within 24 hours of the offer being accepted, they had a lender for us, initial mortgage estimate documents, and a list of everything they needed. Heather walked us through everything, and was so responsive and prompt. We literally went from accepted offer to mortgage signed in about a week! (It also helps if you make sure you have all your documents ready to go from your end, and they will give you a list of what you need). Everything we did with PTM was electronic, so we weren't worried about running to the office to sign anything. They were accessible via email and phone, and even when we had what was probably a stupid question, they were happy to answer it. From the start, based on our research, we wanted to work with a broker rather than a bank directly, and if you are wanting to do the same, Potomac Trust Mortgage has got to be your go-to!

Since they've opened an additional branch, the branch I go to has much shorter teller lines now…read more The rates are on the higher side of offerings. And, they've got a great telephone APP, online banking, including bill pay. I do not recommend their credit card, not because of the card or its features, but because their chargeback reps were rude, uncaring, and quite frankly not very good at the task.

I have banked with Navy Federal for decades. This review is specifically written for the branch…read morelocation on Randolf Street in Ballston. There were two tellers that were actually doing something, but even they were moving slightly slower than a glacier on a geologic timescale. The rest of the employees, 6-8 or so, were standing or sitting around just staring at the slowly lengthening line of customers. Not sure what purpose these people had, but it has the appearance of a Navy Federal jobs program. Stood in line for 10 minutes with the same people being helped by the tellers as when I had walked in. Not a good look or good experience Navy Federal. Better Lean Six Sigma this place because there are clearly efficiencies that can be gained...‍

They charge fees on employee checking accounts. I closed…read morethis account. My other credit union is awesome. This place sucks.

Terrible service. The associates act like they do not want to interact with customers at all. The…read moreguy who sits at the front desk/podium actively searches for reasons and excuses to turn away customers. One would think that NFCU employees would want to talk to their customers and find ways to deepen their business relationships but no, why should bankers waste time on banking when they can text, chat, and waste time until they finish work. Through the atrocious service they provide, Navy Federal Credit Union makes it abundantly clear that customers do not matter. Indeed, they make customers feel like they are a nuisance.

John Masci has done several successful loans on my behalf. Not only are his rates always very…read morecompetitive, but I don't have to worry about the deal getting closed or last minute headaches. John is approachable and can explain the approval process and important financial components in a straightforward manner. His underwriting department is top notch and has closed deals efficiently. Bottom line is John cares about each transaction and makes sure whether it's a Buyer or a refinance, the client is well taken care of to ensure a smooth transaction. Oh yeah, he also makes the best cookies on the planet and gives them out to clients. Between the service, rates and cookies....it's a no brainer.

Staff are very friendly, but there's not enough people to work this branch. Corporate should fix…read morethis. I have come many times and waited in the drive-through for 10 to 15 minutes and not been serviced even though the lanes say they're open. If there are not enough people working, then they should shut down the outdoor lanes. Apparently the ATM machine is always broken too.

Chris single-handedly saved our house contract when our previous lender dropped the ball two days…read moreprior to closing. He processed our application and paperwork at lightning speed and even had a phone conversation with the sellers, who were understandably upset about having to push back the closing date, to put them at ease and assure them that the loan would indeed be approved. We will forever be grateful for his hard work (even late nights and weekends), constant communication and expertise.

I had the chance to work with John Pressley out of the Rockville office. John is extremely…read moreknowledgeable about the process and the ins and outs of the entire lending process and what it takes to become qualified. He has set expectations well and has offered great guidance on how to manage a very challenging and over-heated real estate market in the D.C. area. Thank you John!

Switching to CMG Home Loans mid-process was the best decision I made as a first-time buyer. Brian…read moreKempf got me a lower rate and set me up with their first-time buyer grant, saving me a ton. Smooth process, great team--highly recommend!

Brian Kempf is the most honest and straight-forward loan originator I've ever worked with. Over…read morethe past year, Brian has been my point man for 2 loans - investment and construction. Throughout the entire process, my family really felt like Brian was on our side. Brian is your 'inside man' for the bank job. Responsiveness and timeliness are very important when applying for mortgages and Brian never let us down. Rates were competitive with our credit union. We have another loan to workup next year and we'll be reaching out to Brian again.

I have lived on 2 (soon to be 3 of their properties). James has always been professional,…read moreresponsive and straight up with me. Once I moved in, the team in charge of maintenance & the financial team have been the same way. The only reason why I'm not giving them a 5star is because it'll be nice to have a basic gym in the buildings. But as far as DC goes, this is the best price/quality equation you will find outside of those "Low Income programs"

I, too, have had the unfortunate experience of dealing with James Watts at CMIC. It took two months…read morefor me to complete the application process and to move in the unit due to Mr. Watts not taking my interest in renting the unit seriously. I had to call him continually to remind him of my interests and to move the process along. Once I moved into the unit, there was nothing but problems with the unit. The walls are very thin that you can completely understand your neighbors' conversations from inside of your unit. The HVAC unit made loud and scary popping and crackling noises. Also, the front door intercom is very loud with the buzzer as well as the door itself when it opens and slams shut. Also, a few days before I broke my lease and was due to move out, I heard a rodent nightly. CMIC did address the issues promptly, but could not resolve the issues. Finally, as I have requested my security deposit and overpayment of rent back, it has been withheld. Mr. Watts no longer takes my calls unless I call from an unknown number, nor does he responds to my emails. I believe he is playing games and lying to me. He even laughed when I questioned why my deposit is being kept. He even told me that I have sensitive ears. I called the president of the company and he never returned my calls. My calls were always intercepted by some other staff member. I was told that he knows my issue and is in agreement with Mr. Watts about withholding my security deposit. Now, this issue will be up to the court to decide.

Alex and his team made becoming a first time homeowner possible! We had such an incredible,…read morepersonalized experience with quick response times, enabling us update our offer almost overnight and secure our home before someone else could snag it. Can't recommend enough!

It is almost like they want to take someone's house instead of receiving money owed. fraudulent af…read more Somehow my contact info was adjusted on their end, they cant tell me how or who and swear my account hasn't been compromised. This lead to mail not being received and forecloser process pushed. I have tried for days to simply pay them. And now they have tacked on over $4000 in legal fees. Use anyone but them.