We used MBA when we were getting our first mortgage. Everything about buying our first home was new, confusing, and intimidating. Mike and his team at MBA were so patient and helpful and guided us seamlessly through the whole process. They were available at all hours to answer questions, help with offers, and explain what we needed to know. We feel comfortable knowing that we got the best mortgage available to us using MBA, and we feel certain that without them we could have easily been bamboozled by other mortgage companies and that we probably would have ended up with a bad deal without them. read more

As a former licensed mortgage broker, it's been my experience that many mortgage BROKERS guide people toward those programs which pay them the highest commission. (Not all, but many do.) So, in addition to the cost savings of cutting out the "middle man," we were looking to work directly with a lender who could offer us various loan options/programs. Though we thought we were going to go FHA, our county is USDA eligible and conventional was also a possibility -- we wanted someone who has all those options available, along with the experience to advise us as to which would be most advantageous for our circumstances. And we wanted that person/company to advise us based on our needs and not be motivated by what loan type would pay them best. MBA Mortgage Services turned out to be that company. As a mortgage LENDER, they offer all of the low-rate government loans, several "no money down" options, and various conventional loan programs, plus they're approved to offer several grant programs. We submitted our loan app, got pre-qualified in November, and started shopping! The housing market is such that home prices are high, and most sellers aren't offering closing cost concessions (which we needed). We were running our offers past MBA Mortgage for their expertise in evaluating those offers against the current market and our ability to get qualified. We asked to be pre-qualified for USDA. We asked about grant programs. We kept asking questions as new circumstances presented. :) And we did that for almost three months. Not once did we feel we were "bothering" the MBA Mortgage team or asking for too much. They met every question with a smile and thoughtful answer backed by facts. In February, we had an accepted offer! The contract called for an April 13 closing. We asked to close March 30, and MBA Mortgage prepared to accommodate us (and was ready to close that date). Mostly, everything went well. But for those things which didn't go so well -- there were a handful -- MBA Mortgage stepped up to help us resolve. Then a big issue came up. It was relative to erroneous information the listing agent provided about the home and made us ineligible according to an FHA guideline that neither the listing agent and our Realtor had knowledge of. Had MBA Mortgage not been experienced and knowledgeable, caught it timely, and had the expertise to resolve it (quickly, considering what the issue was), we would've lost this house. Instead of losing the deal, we still met the provisions of the contract and closed on April 12. :) MBA Mortgage came together with all parties, went above and beyond the typical expectations of a mortgage lender, and did it all with a smile. Don't let the fact that they may not have a physical presence in your state deter you -- we're in Florida, and we're happy we chose MBA. We'll definitely go to them again with future mortgage needs and are recommending them with confidence! read more