If you're looking to buy a home, to refinance or do whatever would involve a lending company, you…read moreMUST read this! I never saw myself as a homeowner. I always thought it's for families, or couples, or grown ups. Mind you, I'll be 41 soon. But somehow the planets aligned, I had the down payment I needed and the market was right, so I decided to look around and see what's out there. I had no idea where to begin though, so I turned to a good friend of mine who had just bought his first home, hoping he could provide me with some direction. With one phone call I had names and numbers to the two key ingredients of this process - a realtor and a lender. My friend couldn't rave enough about how amazing his home buying experience had been because of these two individuals. Much like me, he hates change and was very comfortable with apartment living so when I saw how thrilled he was with his new home and how well the process went for him, it gave me the push I needed to take the first step. Given how much I love my current apartment of 8 years, I knew finding a home within my budget that would meet all of my criteria would be challenging (aka champagne taste, beer budget with a side of very picky). But what I was dreading the most was the financial end of this whole thing. Not just being able to afford everything, but learning what, to me, feels like another language. Knowing how to qualify, figuring out what you pay now, what comes later, what drops off after that, PMI, HOA, HOI.... OMG! Understanding finances is a gift I just don't have and when it comes to home buying, I'm as clueless as it gets. So here I am, about to take on probably the biggest responsibility of my life, with no idea what I'm getting into. Which brings us to Chris Myers at First Option Lending. My friend had prepared me for how awesome Chris was, but to hear it, and experience it, are two different things. Chris couldn't have been more welcoming to my phone call and within minutes I knew I was in very knowledgeable, attentive, patient, and friendly hands. He immediately put me at ease and promised this would be painless and that he'd walk me through every step. During the months that followed, his responsiveness made me feel like I was his only client because he replied to e-mails promptly, was on top of all aspects of my loan and was only a phone call away when needed. Little did he know what a frightened over thinker he had acquired as a client but he's so great at what he does, that he quickly caught on to my listening and knew how to tailor his explanations in a way that I would understand. If he detected any confusion in my voice or e-mails he would make sure we talked about things until he could sense that I'm comfortable. I looked at about 50 homes before I found "the one" and over the course of those 3 months Chris must have repeated himself at least 5 times on every topic (with zero irritability) until things finally sunk in for me. After my offer was accepted he kept me informed on every step of the process as promised and not only provided me with his expertise on the financial end, but offered tons of moral support as well. In times of doubt, he reminded me many times why I'm doing this, how it will benefit me, what I can gain from it and what to look forward to. He genuinely cares for his clients and goes above and beyond to help you in any way that he can. On top of all of this, he is extremely personable, has a great sense of humor, is very perceptive and is an overall stand up guy. Much like my friend, I can't rave enough about Chris because words cannot encompass all that he brings to the table as your lender. This whole experience was far from scary and extremely fun, and I owe it all to him. I am days away from closing on my first home and knowing that I will always have Chris in my corner as my lender and adviser, gives me immense comfort and confidence. I will forever be grateful to my friend for referring me to Chris, and if you're still reading this (because you should have been on the phone with Chris 1.5 paragraphs ago), don't look any further. Your expectations will be exceeded. I promise.

My husband and I found the perfect cabin in Payson, and immediately contacted Amy Rebenar to start…read morethe loan process. We started the process Memorial Day weekend, and even on the holiday, Amy was on top of everything. She made sure we sent all the right documents and kept in contact through the entire process. She made this so easy, even when we were having issues finding insurance at the last minute. Absolute pleasure to work with. I would highly recommend Amy if you are looking for a mortgage or even to refinance. We and our dogs thank you for everything!

Excellent service and the nicest guy on the planet! I wouldn't trust anyone who doesn't possess the…read morecapability of being genuine and honest! He's fantastic!

Andrew and his team are true professionals. They communicate with you throughout the entire loan…read moreprocess so there are no surprises. They are honest and can be creative when finding the right home loan to fit your needs. They are patient and will answer all your questions. With so much experience in their office it is no wonder they are a top mortgage branch. Thanks for all you do and keep up the good work!

Home buying (or selling one's home before buying another one) is stressful enough right ? Wouldn't…read moreit be a godsend to have a .u-bullet-before patient, courteous, always available lender who works WITH you to craft the loan structure you can afford and is appropriate for your profile ? Well, that's exactly what I got with Blueleaf lending and the always available Chris Jones. Seriously, this gentleman has blown past all my internal checklist of what constitutes a good lender. Work with this company (and in particular with this person). You will ease your stress level and sail through. Keep up the fantastic work, Blueleaf. You folks deserve to take over the world of lending.

They must be swamped with business now. I had a nice phone conversation with one of the reps and he…read moresaid he'd text me a link to get started with my application. A few days later I sent him a text message, hey how about that link, I didn't get it and I got no response. Basically they ghosted me. Just dropped off.

Love Love Love KHoward Mortgage Team! I will NEVER use anyone else! So so knowledgeable and fast…read more This is my second experience with this team and both times they have been fantastic. I have always been able to call on Kirk and get sound and honest advice, especially when I just want to mull my options over. Kirk always shoots straight from the hip with his advise and you never feel like any question is a dumb oneI. love the easy way you can apply online. It's easy to navigate and very informative. You really never feel like you're bugging them and really don't need to because you get update emails with what's next videos. I love it when I get an opportunity to refer this team. Definitely a life long lender for me! Thank You Deb B Thank you so much

My husband and I thought we'd never move again in our lives.....isn't that what everyone says? And…read morealong came a perfect house when we decided we really needed to "downsize". I was a Realtor in Mesa for 31 years, but have not been active for several years. Wow! How things have changed! All the old knowledge I had before went right out the window. Technology, Electronic signing, and all those other new things I have never heard of. But Shelley, Kirk and Julie guided us right through it all seamlessly. They were always available, even when the day of closing came and there was a little 'glitch' while we were signing. Kirk ran over with the right document. I can't say enough about how easy they made the process. I would recommend them to anyone!!

First off, I would like to STRONGLY recommend Chris and team…read more Back in 2016, I had Chris give me a quote on auto insurance among other things. His team put something together in what seemed like an hour. They were informative, prompt, and extremely helpful with everything. I will be using Chris for all future insurance needs.

Steve was a HUGE help with getting my truck and trailer business insurance. BEST RATES YET! He…read morethen helped me when my homeowners insurance went up. No weird exclusions too!?!? He provided friendly, timely, communicative service. HIGHLY RECOMMEND!

Our experience as Karen Camblin's clients was nothing short of top-notch, beyond-our-expectations…read moreservice. She and her team raised the bar and spoiled us during what would normally be a stressful process. We requested multiple scenarios throughout the process and she was ready and willing to run models to show us what our choices would look like for us financially - and this was all while she was planning her daughter's wedding! Another attractive feature working with Karen Camblin and Guild Mortgage is that Guild Mortgage carries our loan, so once the process of buying a home is over, you're still dealing with the same company instead of being passed over to an unknown mortgage company. Karen and her team offer transparency, accessibility, knowledge, and an extremely high level of customer service. We will NEVER use another lender!

My wife and I have worked with Karen Camblin and her team for both of our home loans…read more She values her relationships with her clients and always walks us through the process. If there are any hiccups, she is the first to reach out to us and assist as much as she can. When Karen first worked with us, she made us feel comfortable with the process and did what she could to get us the best rate, the lowest amount of costs, and was fully transparent. On the second purchase, she was always available through the 2 years we were searching. She never gave us the impression that we were bothering her and was always quick to reply. In addition, when she was on vacation or out of office, she would send a reply text that she was out but will have her assistant call to assist. This is something that you cannot get from a community bank or a credit union. Karen's service and dedication is second to none and I continuously refer her to family and friends, without hesitation. We went to her as strangers looking for a loan and now consider her family.

David Beasley has helped us 3 times (2 purchases and a refinance), and has made the process easy…read moreand smooth each time. David's level of care, attention to detail, and professionalism is what sets him apart. I HIGHLY recommend David Beasley and will be using him again for future purchases.

David Beasley came highly recommended when my girlfriend and I were looking to buy a house…read moretogether. This was our first time, so we asked a lot of questions. David was super helpful and accommodating. We closed on time at exactly the rate and cost that we expected. David Beasley is highly recommended! Five stars!

Danielle is amazing to work with! Navigating the idea of home ownership with the current housing…read moremarket and mortgage rates made us extremely nervous. Danielle listened, offered advice, gave perspective, and helped us come up with a plan. When we were ready to move forward, we contacted her; she was quick to reply and get the job done. She did an amazing job explaining when questions were asked, put our minds at ease when we were uncertain, and was readily available to assist well beyond our expectations. She is truly passionate when it comes to her career and does a great job sharing her expertise with others.

Danielle is highly knowledgeable and always puts her clients first. She works hard to make sure…read morethat her clients get the best deal that they possibly can and is there to support them through the whole process. Would highly recommend calling Danielle if you are looking to buy a home or refinance your mortgage. She makes the process easy and goes above and beyond!