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    4 years ago

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    Homebridge

    Homebridge

    (6 reviews)

    Buying and selling a house is not something I do every day, but we just bought our first house with…read moreProspect Mortgage and I must say Tyler Bahnsen and his group were excellent. When looking for a mortgage, I was originally only going to just go with a local bank, but getting in contact with individuals was rather complex and no one would return phone calls (not a joke, I tried... really and we even have an account at this particular bank). Tyler at Prospect was recommended to me and he even meet with my wife and I on a government holiday to get my pre-approved arranged for an offer I was making on the same day (small house in the Grove). That deal fell through, like so many others, but the last one worked. Prospect's fees are rather reasonable, and the rates are extremely competitive for the Miami market. Also, they will talk with you and answer your questions! And, they move your package through the system at a rate faster than most groups can. I know, as I am presently waiting on a buyer's bank (not Prospect) to close on the property I am selling. I would especially recommend Prospect if you are doing a FHA 203k loan, as they truly have a lot of experience with this program. At present we have a 203k, which we are using to renovate a roof on 1965 home. Prospect helped us get all of our required information from the contractor organized - and they communicated in a timely manner when issues occurred during the process. Let's face it, buying a home in today's market requires much more review and paper work than say 6 years ago. And, this is the important part, if your brokers is on the ball, they head off any issues and get in contact with you quickly, so that the proper information may be acquired. I had a great experience with Prospect in Coral Gables (used to be in the Grove) and Tyler's group.

    Jackie Almendarez took care of our loan application, the process was complicated but she did an…read moreamazing job , she fund solution to our situation and made it happen. She is also very nice person very responsive anytime you have a question . I will definitely recommend her to everyone around me and will use her services again

    Phil Ganz - Next Wave Mortgage

    Phil Ganz - Next Wave Mortgage

    (59 reviews)

    I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

    Phil is an amazing mortgage person. I keep going back to him for advice, with questions. I…read moreusually text him and get a near instantaneous response. I bought my first home with him and he literally can beat anyone. I also refinanced with Phil. Phil is also super friendly and is happy to answer endless questions. I bought my home in 2017, and am now in the market again. For gods sake, don't do one of these robodialer companies that calls you back with some idiot that knows nothing.

    LendComet - mortgagelenders - Updated May 2026

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