I chose this company after being turned down from a previous company cause I am self employed and…read moremy debt to income ratio was too high. I met with Joe and his team to see if it would be a good fit to work together & I disclosed all of the information that I previously mentioned. Joe told me they would have to run my credit again and If there was any other debts I had recently opened, I disclosed that there was none that I am aware of. You'd think, given that they'll run my credit they should be able to know. Communication leading up to the week before closing was okay. One week before my closing day. I get a call from Joe saying "under writing came back & unfortunately your debt to income ratio is too high. You're no longer qualified for this loan. I am sorry." I asked Joe why wasn't this discovered upon the first meeting & he said "you're right it showed have showed up in your credit pull (mind you this is a hard pull). Not sure why it hadn't". Joe provided no other options on how to better my situation, just a dry "I am sorry". I asked what's my DTI, how can I improve it, what's my purchasing power currently, etc. I simply felt like Joe gave up. I spoke with multiple lenders and they mentioned that a credit pull will disclose my full credit history. Being that I was turned down from the first lender due to lack of experience was one thing. To now being turned down by this lender one week from closing when the reason for being tuned down could have been avoided upfront after the first meeting...To put it frankly, it's annoying. At face value Joe and his team seem great, not sure why they had to give me the whole run around. I wasted almost a month of stress balancing my life to have things just to blow up in my face.

TOTALLY UNPROFESSIONAL ! BE AWARE! There are better lenders out there. Joe Massey was totally…read moredisrespectful and unprofessional through the entire process. I was shopping around for the best interest rates for refinancing as a wise and responsible home owner. I was very respectful and answered all his questions through out the whole process. He called me and told me that I'm not serious and cut me off for no reasons and basically told me to get LOST. Sounded like he didn't have a better offer or just got mad that he couldn't take as much money from me as he wanted to. STAY AWAY FROM THIS BUSINESS !!!!! as there are much more professional lenders out there and offer better services. Will never recommend anybody here and will alert as many people as I can to stay away from this place.

We worked with Stefan Burris at the Generations Team…read more If you are looking for a buyer's agent who is an expert in the Denver Metro real estate market, will give you his honest and informative opinion, and will guide you through the home buying process with ease and grace, look no further than Stefan. As first-time homebuyers moving from NYC, we didn't know much about the process or about the local market. We felt like we were in great hands with Stefan. His hustle to get us early showings in this tight market, his turnaround on putting in offers on houses, and his ability to negotiate with the sellers' agents were truly amazing. I would highly recommend Stefan to anyone looking to buy in the Denver Metro. It was like working with an expert and a friend at the same time. He also has an amazing network of trusted mortgage lenders, inspectors, and home repair people.

I have used Haylie Evans for multiple transactions. She is friendly, responsive and super…read moreorganized. She always makes the buying and selling process easy. I don't know if she is representative for the whole company but I definitely recommend her from Your Castle Real Estate.

Dave is awesome! First time homebuyers or anyone looking for a home should contact Dave…read more He is super responsive, helpful and his whole team is FAST! They really know how important it is to make sure things are precise, accurate and quick in processes like this. I was so nerve ridden and just so anxious I wanted to throw up during the whole process honestly but this team was just on their A game the entire time so I never ran into any issues I was worrying about! Dave and his team were available by zoom, phone call, text or email anytime I needed him and as anxious as I was during this entire process - that meant everything to me! Not only did we get our first ever offer accepted on our dream home, but I got our move in date ramped up by an entire week because of this rock star team! That was amazing, great work to Dave & his team. I can't keep recommending them to our friends, coworkers, etc since it was such a great first experience. He even keeps in touch by sending us recommendations for places to visit or take our family when they come into town.

I thought Dave Cook was a good mortgage broker until I happened to work with another company on a…read moretransaction with my family. Now I know that Dave is quite likely the best mortgage broker in the universe. Behold, greatness.

The process was great with ULC. However, they are selling their mortgages to a sub par company…read morethat has multiple complaints about unethical financial business practices to which that company is now in a class action law suite. I had to refinance again with a more reputable company to get out of the shady company my loan was sold to by ULC.

oh, my gosh, what a racket! Universal Lending (Sarah) has…read moreroyally given my daughter and her husband the shaft! It took Two months to get a refi, they charged them thousands, they lied to them about the 'research' they were supposed to do, and ended up with almost the same house payment. Skip this business.

We can't recommend the folks at Rate -- Emily, Jennifer, etc -- enough for their work with our…read morehouse hunt. We previously worked with KeyBank, and they were perfectly fine with the process. However, I don't believe we would have accomplished what we needed to--understanding our budgeting, offering on one home, moving to a different home, and ultimately ending up with a better interest rate and an accelerated closing date--if we had gone that direction this time. Most importantly, though, we valued having someone to connect with who walked us through these processes, communicated genuinely, and acted as a great sounding board to iron out issues along the way. Thank you again to Emily, Jennifer & team for helping us land our dream home and making a super stressful time smoother than it could have been. We appreciate all of your hard work for us.

As first-time homebuyers, my husband and I wanted to work with a loan officer who was personable…read moreand local. After exploring options with a credit union and a large mortgage company, we found that Guaranteed Rate consistently provided the best customer service. Jennifer and Katie were fantastic throughout the entire process--knowledgeable, responsive, and genuinely invested in making our experience smooth. A colleague recommended Guaranteed Rate to us, and now that we've officially closed on our home, we can confidently say it was the right choice. The entire process, from underwriting to document submission, was seamless and stress-free. We are incredibly grateful for their support and highly recommend Jennifer, Katie, and their team to anyone looking for a top-notch home-buying experience

Kennen recently helped my husband and I purchase our first home. He did an incredible job,…read moreespecially during such a crazy market. He took us to see multiple homes, and put in several offers for us. All along the way, Kennen provided us with great advice and recommendations, and helped us find our perfect home! We are so appreciative to have such an experiences and friendly broker with us along the way. We highly recommend Kennen if you are buying or selling your home!

A few words to describe Kennen Cohen, based on my experience with him regarding the sale of my…read moresister's home: Prepared. Patient. Proactive. Thorough. Experienced. Knowledgeable. Insightful. Comfortable. Honest. Kennen is the leader of a great team whose members reflect his values and character.

Big thanks to Chae and his team at PMS! I was moving from CA…read moreto CO and I am self employed. The entire process from start to finish was simple and smooth. Anytime I had any questions Chae was always available to take my call and answer them. I was purchasing a home from a builder who had very specific dates for appraisal and closing. Chae and his team met there dates and had docs to title days before the deadline. Chae is very knowledgeable and rates are very competitive! I will definitely recommend Chae to anyone I know and I will be using him again.

Super responsive and best customer service around. Can't beat low rate and fees that we got!read more

Eddie Lederman is the best!!! A quality good guy who genuinely cares about his clients. He also…read morehas the wisdom and motivation/energy to get you into a home you love. Eddie was so patient & kind with our family, including 2 little kids. He helped us get a home we love in an insane market. I highly, highly recommend Eddie. He is definitely our guy for any and all future buying needs.

We had the pleasure of working with Cassidy to find our new home. In speaking with him, he…read moreimmediately came across as warm, kind and knowledgeable. As soon as we reached out with some homes that we were interested in, he quickly set up showings for the following day. We ended up seeing 11 homes, and falling in love with one of them. The whole process was easy and Cassidy was constantly a joy to work with. He went to bat for us and was able to negotiate a lower purchase price, and money back for concessions after the inspection. He truly is a gem and we were so lucky to find him!

I called to inquire about current rates & got transferred to 2 different people that day to get…read moresuch. Lots of pressure to take a loan app, I said I was doing my due diligence & was not going to do a loan app that day. Then what really took the cake was I got a text message from Amy the following Monday stating the Fed had lowered rates, I immediately Googled such & found no such news. I texted her back asking her to send the link to confirm such. She said she didn't have that article but continued to try to get me to make an appointment in 3 more text messages. I told her I wanted nothing to do w an organization that was trying to mislead me w falsehoods. I asked for her NMLS#... no response so far.

Knew going in our needs were not traditional. We made sure they knew our situation. We feel like…read moreour original conversation was completely ignored. Ever time you talk on the phone they make sure to tell you its being recorded. They didn't have the decency to play it back and justified turning us down because we were doing a Remodel. I never once used the term Remodel. Total CYA Total Bummer because I heard of this company through 2 of my favorite radio personalities.