I have recently purchased my new apartment and MVB Mortgage was the one helped me to get the load. They worked with me almost 24/7 to secure my loan and meet the tight deadline I had (I had only 21 days to close the deal). When my bank heard the rate MVB gave to me, it disappeared and couldn't match it, so I knew that they gave me the best deal . I can get in the market. They were very responsive, fast to reply, and detailed in their work. They helped me, as a first-time buyer, get the loan with a very good rate and finished the process within the tight deadline I had. . I really recommend them. I am pleased to work with them read more

I just closed on my condo with them last week and are very happy with their service. Attentive to detail and very willing to walk through every single detail and/or question you have. I was a first time homebuyer and felt confident with the process with John and his team, Victoria and Josh, guiding me thorugh the process. The only downside is that while shopping for mortgages, I had stated I wanted a mortgage with no escrow (I'd rather manage my money myself and keep the money from the interest myself). John said that was possible, but only for a fee (a percent of the loan). Unfortunately it seems that escrows are built into the underwriting itself, so not much we could really do to get around the fee. Just know that if you don't want to escrow. Otherwise I am very pleased with their services. read more

John and his team were very responsive, very good at communicating and great at their jobs. As a self-employed person and a non-US citizen, I was worried that my mortgage process was going to be a complicated after I talked to a few lenders. But with special thanks to Vicki, John and his team took care of everything smoothly and quickly and now I'm a first time home owner. I'd recommend them to everyone for their mortgage needs. read more

My experience with Louis Berman was exceptional. I was referred to Downs Capital through my realtor, and it was a great decision. Louis is responsive, knowledgeable, and kind. To make himself as available as he does must be to great personal sacrifice, but it is appreciated so much. Following my preapproval, Louis mocked up a financial model in a 1-2 days. When documents needed to be updated, they were changed the next day in most cases. As settlement date approached, he worked overtime to make things run smoothly with the title company. His upbeat attitude, professionalism, punctuality, and sincere kindness makes Downs Capital such a pleasure to work with. All the best to Louis, John, and Vicki! A great team! read more

John and his team were fantastic. My wife and I were first-time home buyers, and John really stood out among potential mortgage specialists. John really hit the knowledge trifecta that we weren't able to find with other lenders -- he knew the DC condo market and who was who among local developers, agents, title attorneys, etc., he knew the steps required to obtain VA-insured financing so that we could put together offers with realistic timelines, and he knew how the VA-specific terms translated into specifics on interest rates, fees, and the bottom-line numbers of cash at close and monthly payment. At every step of the way, John communicated clearly and responded quickly at explaining exactly what the tradeoffs were between different loan types and different loan options, including what types of uncertainty and risk different options presented. He happily answered our calls fairly late into the evenings, and his enthusiasm about the bond market and other economic factors, even at 10pm, gave us the confidence that he really has a passion for his work, and that he genuinely was looking out for our interests. When we put together an offer contingent on VA financing, John went the extra mile to communicate with the seller's agent about why they shouldn't be wary of VA contingencies, and persuaded the seller that our offer was just as attractive as any offer contingent on conventional financing. John's team member, Vicki, worked quickly at getting the seller, appraiser, and the VA to check all the boxes necessary to get financing approved with plenty of time to close. Vicki worked around our schedules to get all the administrative issues sorted out and the paperwork lined up for a smooth and easy settlement. John and his team are definitely on our strongly recommend list. read more

If you need to get a mortgage in a DMV area, then look no further. These guys are awesome - they work closely with you to figure out all your options and make sure you understand the implications of all the options. Very responsive when you have questions and work with you throughout the process I cannot imagine anyone else being this great to work with. Highly recommended. read more

John and his team were absolutely top notch! My husband and I initially met him through a referral by a developer, and although we didn't end up purchasing that particular property, we reached out to him again when we were under contract for our now home. To say he didn't do his absolute best for us is an understatement! He was able to get us the lowest VA Loan rate possible and an amazing lender credit to help us on our closing costs. My mother, who is also in the mortgage industry, was very impressed by him as I kept her in the loop during the process. Beyond all of the above, John and his team are just simply nice people. Always friendly, professional, and quick to respond. Responsiveness is key when dealing with real estate transactions, so this was extremely important! If we ever need to refinance or purchase another home, we will be calling John first. I would whole heartedly recommend John and his team for your mortgage needs. read more

Our experience with Louis Berman was beyond satisfactory! He was always attentive, responsive, smart, kind and absolutely client-focused. We are first-time home buyers and were super anxious during the initial stages, especially around the financing aspects. We got 2-3 lender referrals and after having initial conversations with all of them, John and Louis from Caliber were hands down the preferred ones (attitude, structuring skills, terms and conditions, etc). In no time, Louis put together a detailed enough but easy to follow presentation and financial model for our deal with different options/scenarios and also successfully structured around some of our restrictions. He was super patient with us and put up with non-stop questions, details, changes and lots of back and forth from our side, always with a great attitude (and even during odd hours). Even a friend of ours who offered to help with the financing said she couldn't match the structure/conditions for the deal we needed and advised us to go with Caliber/Louis. We would totally recommend Louis and Caliber to others and look forward to working with this team during the repayment phase of our loans!! read more

John Downs is the best mortgage advisor out there! He was great on advising me what my best options were given each scenario. I successfully closed on three properties in DC since 2014 which were complicated loans. Both John and his team make the buying process a lot easier and I look forward to using him for future loans! read more

John Downs not only tells you all the information your need but does it in a way that makes sense and doesn't waste all your time. He also manages to get you the best rate on the market. read more

I purchased a condo in DC 3 years ago and John did a great job handling my loan. So when my mom recently needed a loan for her own DC condo, I called up John again. He (and Vicki, his Senior Purchase Coordinator) were very helpful in walking my mom through the process. My mom also had a lot of questions (as did I since my mom is elderly and I needed to look out for her) and they were very responsive. On one memorable occasion, when some info/guidance was really needed, John was booked up for the entire day and instead of pushing it off until the next day, he called back after his normal business hours, after he had gotten home, while walking his dog. Thanks John (and Vicki)! read more

Louis was amazing! Being a first-time home buyer and needing to refinance relatively quickly after closing the initial loan, Louis jumped right in to help out - he was the best negotiator and was always very responsive. I think the most helpful part was that he answered all my questions VERY promptly. I would recommend Louis and the Caliber Home Loans team to anyone! read more

Josh and John were awesome. They were incredibly responsive and made getting a mortgage as easy as possible. Several of my friends have had the same experience. Highly recommend. read more

I was recommended to John by my realtor for my first home purchase. From the beginning he showed exemplary professionalism in handling my loan, and all of my questions (I literally had no idea what I was doing, haha). John was straight forward and very helpful in explaining the process from start to finish, and was thorough and attentive to my financial needs. Once I put an offer down on a condo, I worked closely with his assistant, Vicki, who helped me step-by-step in getting all of the required documents in order. Superb team, and highly recommended! read more

I could not have asked for a better mortgage lender to work with! As a first time home buyer, the process was unfamiliar and daunting. However, John and his team put me at ease almost immediately and acted as a support system for me from start to finish. I found a condo unit that I loved and they acted quickly to get me approved for a mortgage within 24 hours. John even took the time to call me while he was out at the amusement park with his family. I cannot say enough good things about this group. They are knowledgeable, prompt, professional, and kind. For something that can be difficult, stressful, and confusing, John made the home buying process manageable, stress-free, and seamless. Whether it is your first or fifteenth time buying a home, I would absolutely recommend John Downs and his team. read more

As a first time home buyer, I had many questions about the mortgage process. John answered all of my questions clearly, and he was quite generous with his time. Vicki was also a pleasure to work with. MVB offered the most competitive loan options, and I would gladly do business with John again. read more

I reached out to John Downs because he was one of three mortgage brokers that my Realtor recommended. I spoke with all three and he stood out by being extremely responsive and making time to go into detail responding to whatever questions I had. The rates provided were also lower than or equal to the other two lenders. I placed 7 bids on properties in DC including the one I finally won, and John and Louis provided quotes and letters for each bid with very quick turnaround, never any holdups to submit a bid. Once I won a bid, others on his team, Vicki and Regis, charged full speed ahead with the underwriting process to get everything in approved in time for closing. Even Friday night after office hours, his team was getting things done. I closed in 3 weeks without a hitch. Most lenders would tell you upfront that closing in 3 weeks is too tight a timeline but John and his team did it professionally and exceeded my expectations. Their personal touches went above and beyond what I'd have expected from a mortgage banker. I would recommend John and his team without hesitation especially if you are trying to close in a competitive market like DC! read more

I cannot begin to explain how amazing Louis was during the process of financing my new mortgage. I was selling a previous home and searching for the perfect condo in DC. He was quick to respond with the numbers that I needed and when it came time to make an offer he was detailed with a quote that was spot on! I never felt that I was out of the loop or just another client. My service was personable and genuine! He was with me from the first phone call to discuss my options to closing, literally at closing making sure that I had everything I needed. 5 stars is an understatement! Thanks for making my experience stress-free, Louis! read more

John and Josh were incredibly responsive to all my requests and questions. Moreover, John really worked with me to shape the loan terms to something that worked well based on my cash scenario. It was above and beyond anything I received from any other company. read more