JB Corbeil and Diane Murray, the two individuals who shepherded me through the finance process,…read morewere nothing short of amazing. Both are knowledgeable, responsive, and friendly. As a consumer who hates dealing with all things finance, I appreciated the transparency at every step of the process. Simply put, the Woodman Team can be trusted to help you navigate the finance process. I couldn't be more pleased.

Trusting, communicative, genuine, caring, best interest: These are just a few words that I would…read moreuse to describe Calvin and his team. He was always in touch and provided education and information at all points within the lending process. You just need to speak to Calvin once and you'll see his passion for helping people. Thank you Calvin for all the reassurance, education, and guidance through the process of my refi and the purchase of my second home. I'm so grateful for you and everything you did during this process. You go above and beyond. Sending all my referrals your way!

Makael is an amazing person to work with! She is incredibly responsive, attentive, and very…read moreprofessional. She kept me updated with the status of my loan daily with emails saying "Attention team Gregg!" You really feel connected and on a team when working with her! Even when old HOA laws get in the way of a deal closing, her team is diligent and will get the deal done and explain every step of the process. These qualities are extremely important when buying in today's competitive house hunting market. Team Makael will forever have my trust!

From the owner: We specialize in navigating loan transactions with patience and integrity, and making this complex…read moreprocess as easy, effective, and fun as possible. (First time buyers love us!) Our team prides ourselves on our FANTASTIC customer service!

They made my first time buying a house so easy! They are all so amazing and happy to help. They had…read morepatience with me and would always explain everything. I highly recommend them. It was the best experience! They even followed up on everything after I bought my house. I wish I could give them more than 5 stars.

Andrew and his team at Cornerstone have to been a blessing to my clients. As a veteran Realtor…read moremyself I know how critical it is to not only get the loan closed but even more important that my customers have the best possible experience. Andrew and his team are not only competent and efficient, but they are personal and compassionate. Everyone I have ever sent there would agree.

I come from a banking background, and Ive been party to more loans and mortgages and refinances…read morethan I care to admit, and I never expected the experience I had from Cornerstone, and specifically Justin Smith. Expecting long run-arounds, multiple hoops to jump through, and months of checks and rechecks, I was absolutely astonished when we were able to walk in one morning, provide all that had been asked for initially, and was approved without issues. Even the one or two minor paycheck updates, or rate locking conversation was pleasant, compared to what could have been. I will send my clients to Justin with confidence, and will be SURE to use Cornerstone in the future! Thank you, for making what could have been agonizing and stressful in the midst of moving, into something honest, straightforward, and simple!

The Bermejo team proved that they were unable to handle complicated financial situations or keep…read moretheir facts straight... My husband explained our full financial situation up front to John which included the fact that he worked for family, was self employed and that the company was moving to employment of all staff in a month. John told us that those things weren't a problem, our income was sufficient and he could get us preapproved. A couple of weeks after applying, we were told we were preapproved and to go get a contract. We found a house and were ready to make an offer. Our real estate agent asked John for the preapproval letter and was told we weren't preapproved. (???) House #1 lost. After more paperwork and the finalizing of hubby's employment status we got an actual preapproval. We put an offer on another house, were accepted and began the loan process. Just 4 business days before closing Cornerstone informed us they couldn't qualify us due to insufficient income and claimed they didn't know my husband worked for family (???) They also had a problem with the move to employment and a raise my husband had recently received (the raise was also something they had been informed of BEFORE we ever made an offer on a house), saying these thing were too "inconsistent". House #2 lost. Although our situation was admittedly a complicated one, the bottom line is that the Bermejo team didn't package our loan correctly, causing us to loose the second house. They forgot important pieces of info that needed to be explained to underwriting. We were told by a new lender who took over the loan process that not one of the changes in our income, or the fact that my husband worked for family, should have been a problem. It all came down to presentation. Although there were people within this group who were wonderful to work with, overall I cannot recommend them. What a disappointing waste of time and money (the inspection and appraisal) this whole thing was.

Sheryl did a great job making sure I was on track with getting all of the information she needed to…read moremake sure my closing was timely, she worked late at night and on the weekends answering any questions I had and was an overall joy to speak to on the phone. 100% recommend Sheryl!!

From the owner: Tired of getting the run around from mortgage lenders? Are they not explaining the process to your…read moresatisfaction? You deserve better! Call me and I will help to translate mortgage guidelines and help you through the process for your new home loan or refinance loan. Guild Mortgage Company, Equal Housing Lender, Company NMLS 3274. Individual NMLS 273853.

I started working with two employees here back in maybe September of last year. The last time I…read morespoke to anyone, they told me they were going to be searching to find a contractor and would be in touch with me again. I've never heard back from them. The times we were still in touch, almost everything I've repeatedly told them was forgotten. They claimed their issues stemmed from moving offices. If moving offices makes you forget every conversation had, it really sways my confidence in allowing the company to be involved in a future mortgage for me. Why would I want to owe money to a company that doesn't hold up to their end of things at all? Will continue searching for another company to get my mortgage through.

From the owner: What we offer: Non Warrantable Condos, Jumbo Home Loans, Construction Loans, USDA Loans, FHA Loans,…read moreMulti-Family Loans, VA Home Loans (Traditional and Jumbo), Commercial Loans, Conventional Loans, Foreign Nationals, Asset Based Lending, Confirming Bridge Loans, Adjustable Rate Mortgages (ARMs), Home Equity Conversion Mortgage (HECM), Personal Loans

A couple years ago, I was buying my first house and I asked my real estate agent to recommend a…read moremortgage lender. My real estate agent's partner had recommended Jim in the past, so Jim was the person recommended to me. Jim offered me a mediocre rate, but acknowledged that because they have overhead and local premises, they can't offer rates as good as online mortgage lenders. OK, fine, I can understand that. He then went on to convince me that it was worthwhile having the lender nearby in case of any problems, peace of mind, blah blah blah. So I foolishly decide to go with Commerce Home Mortgage. One of the few good things I can say about working with Jim Bailey and Commerce Home Mortgage is that the process of getting the mortgage was pretty straightforward. It was not a hassle to get the loan at all. Everything's fine for a while, I've got the auto-pay thing set up, I don't even have to think about my mortgage payment, all is well. Then I find out that Commerce Home Mortgage has decided to switch to using BSI Financial for servicing their loans. How do I find out? The automatic withdrawals have stopped and I'm late for a mortgage payment. Quick aside, but if you aren't familiar with BSI Financial, they're probably the worst loan-servicing company in existence. Do a quick Google search for them and you'll see endless one-star ratings at sites like Consumer Affairs and so on. Basically, if anyone starts having you deal with BSI, it's the mortgage world equivalent of being told, "Fuck you." as they spit in your face. So I go through the process of setting up automatic payments with BSI and everything's fine for a couple months until, oh wait, "Your mortgage payment has increased $100/mo." Get online, try to modify my automatic payment for the new amount, everything looks fine. The next month, no automatic payment. Thank God I've been paying attention to my balance ever since Commerce initially screwed me over by switching to BSI. I call BSI and they're like, "Oh, your automatic payments were suspended, we'll get them enabled for you." "But why was it suspended in the first place?", I ask. No response. Ever. The next month, shockingly, there's no withdrawal again. Call BSI up, "Hey, my automatic payment didn't happen AGAIN." "Oh, well, our records show you called in about it and they told you that your automatic payment was suspended, but didn't reset the account." "But...they said they were enabling the automatic payments again." "Well, they didn't." If you want to roll the dice on whether you're going to end up with late mortgage payments because of someone else's incompetence or you enjoy worrying about whether your mortgage got paid every month, then Commerce Home Mortgage may be an acceptable lender for you. If, on the other hand, you want a better rate and competent servicing of your loan, straight up avoid Jim Bailey and Commerce Home Mortgage.

From the owner: As Branch Manager with Commerce Home Mortgage and a residential lending expert, I have been helping…read morehome buyers in Northern Colorado for over 20 years. My specialty is solving problems, and creating raving fan clients and business partners. Whether you are a first time homebuyer or a savvy investor, I strive to provide the absolute highest level of customer service.

We switched to FirstBank after other, larger banks started tacking on needless fees and signed us…read moreup for unwanted (Wells Fargo) expensive services. We have been with them for 10 years now. We love them. No hassles, great service. Even when we dispute a company charge we can count on them to back us up and make it right.

This is the worst bank to bank at tried to take my money out and was told I could not take out…read morecash I had to use cashier checks I have never been so flabbergasted at some one telling. Me I could not have my own money

WHO'S EXCITED TO TALK ABOUT HOME MORTGAGES????…read more Yea me neither. In fact, anything bank related is kinda grey-matter, dull and boring. There's quite a few things you can complain about banks: Another place you have to wait in line. They chain down the pens. They don't like giving away free money. But when we went shopping for a pre-qualification on our first home loan, we went with who we already banked with: Wells Fargo. And they did not disappoint. Well, the local guy didn't anyway. Our local loan specialist was really friendly, easy to work with and let us know when we needed to get him stuff by and when he received it. Robert Micek - 100% A+ It was the jackass underwriter in Minneapolis that didn't have a damn clue. He wanted us to keep resending docs over and over again when he already had them - faxed and mailed originals. He'd call us multiple times before deadlines and say we were short on liquid cash when we weren't. Numerous headaches, heart palpitations, and wishes to cause him physical harm later, he finally got everything done but told us that "it was a rush job from the start and they were going as fast as possible to get everything turned around." Bullsh!t - we sent all our stuff in days before deadline and were always available to sign something and fax it back at a moments notice. It was the MPLS office that didn't know what was happening here in Colorado, THE ENTIRE TIME, that didn't make it possible for us to close six days earlier than we could have. I could go on about how much of a schmuck this guy is and how much he sucks at his job, but I won't. I got my loan, and I got my house. WFHM is a great company that is easy to work with, and I highly recommend them for anyone that already banks with them or is shopping for a loan. Just save yourself the mental anguish and INSIST they run the paperwork thru the Denver office.

We just closed our home purchase. It was not without the professional assistance of David Yoos and…read morehis team! We had a 25 day close and David and his team got it done. They were communicative, informative and very consultative. We never waited more than 15 minutes for a response to an email - and that includes Friday nights and weekends. I highly recommend David and his team!