I have been a customer of BofABQ (both the bank and their mortgage entity Bank of Oklahoma who is…read morethe conduit for home loans) since 2010 but no more. Why? They messed up and dragged their feet until I was forced to put their feet to the fire for a new sale loan I was working on with a relative on a house I was selling and then they completed messed up the process for a simple refinance of my a house I occupied into my name only-both the same time. First, I was selling a house to a family member. No inspection required, no responses to the inspection, no agents, no counteroffers, nothing-just go straight to closing. Easy, right? Nope-not this go around. In total the utterly inept, lethargic loan officer who was assigned to the transaction just could not even get out ahead of this even a bit. I had to do his heavy lifting for him so that this simple transaction didn't end up taking 45 days (!) and instead got it closer to 35 days (you are welcome-and that was even too long). In 15', for a new purchase I was starting the timeline, from the time the offer was accepted to closing, was just 32 days AND there had to be an inspection scheduled, responses to the inspection go back and forth twice, an appraisal done and it also involved the gifting of money to meet the down payment requirement which was a whole other step that took more time. But I worked day in and day out closely with an experienced loan officer there and we pulled it off. This current loan officer out of the branch off of Paseo on the eastside had the audacity to send me an e-mail that said "it will be IMPOSSIBLE" to close before a certain date NO MATTER WHAT. Really? Obviously he didn't know who he was dealing with. I reached back out to a loan officer who did a refinance on this property with BofABQ years ago and his first question was why I wasn't working with him? I stated I just call into the 866 and they assigned this new guy to me-obviously hindsight is 20/20. He escalated me to the Regional Manager and after lots of back and forth we were able to close 8 full calendar days EARLIER once I applied pressure and a sense of urgency here in the Land of Manana. Not a day or two earlier but EIGHT FULL DAYS earlier-which he had stated was IMPOSSIBLE. Unbelievable. Then it got even worse if that is even possible. The house I was looking to take out of this family member's name so they could purchase the house addressed above and refinance this one in my name only. And I was upfront and transparent with them from the beginning. To cut to the Chase, I had to walk away from an investment rental property near a golf course community in AZ that I bought and that quickly went south after the real estate crash of 08' like millions of other owners. I tried to work it for 5 years but it was a money pit and Chase Bank would not renegotiate the terms. The rule is 7 years no new home loans in one's name when you walk away. We were now past 7 years plus a few months. This same inept loan officer knew this up front and ran my credit report. It was not on there. I told him I noticed the same thing-my credit took a hit for while and then rebounded-it had gone dormant. He said he was going to write a conventional loan-great, no PMI, faster timeline. So they order the appraisal on the refi (which is yet another industry game-in this day and age there is NO REASON for these appraisals-except for extreme outliers out there with tools like Zillow and many others, the value of a house can easily be determined-all appraisals are is a job program for appraisers who's job are mostly useless just like real estate agents in this day and age) and it comes back. Then I get a call from his supervisor NOW telling me, OOPS, they can't write a conventional loan because they found the walk away. Duh. I told them it was out there but they screwed up-why didn't they get this right from the get go? Just a bunch of lame excuses followed. This supervisor was as useless as this inept loan officer and when this went down I demanded immediate action but he has the nerve to tell me on the phone on a Wednesday afternoon when this utter fiasco went down that he would get back to me sometime that Friday as he was "busy" in Santa Fe on Thurs.-awesome customer service! What? Again I immediately escalated to the aforementioned Regional Manager and he took over the escalation that evening. Being that BofABQ is a large behemoth that is run by too many rules that they set up on themselves, I was told by him they would have to ORDER A BRAND NEW APPRAISAL and start all over again-3 full weeks wasted! While he offered to pay for it as now an FHA appraisal (again a total industry joke-I already had an appraisal in hand-just more of the "other's people's money" run around) it turns out I would have PMI for at least a few years now which was a COMPLETE NON-STARTER for me. Due to space limitations here, I need to end now. But this was a total fiasco-there is much more.

It takes forever to talk to the customer rep. Once the phone line is connected, you'll be sent out…read moreto an answering machine and never hear from them.

Shopping for a new house is fun, shopping for a mortgage can be stressful. We spent months deciding…read morewhat we wanted in our house, but we didn't spend much time at all looking into mortgages. This is where Mike stepped in, he not only got me a lower rate than I knew was available, he made the process simple from start to finish! The website is extremely easy to use, Mike and his team provide you a login, instruction and a portal to upload documents with no hassle. I actually did 90% of my loan on my phone, Point and click! The experience with Mike was not only painless it was actually pleasant. Kudos to Mike and his team for providing the type of simplicity and customer service that is lacking today. Relationships matter! Thank you Mike! -JR

Wow! Fantastic resource and amazing performance by Mike and the Academy team. He made it extremely…read moresimple to access and sign all the documentation FAST! He was clearly 100% committed to the successful, expedient financing of my home, and always ready to help with any questions I had about the process and all of the financing jargon. I shopped 12 local lenders and Academy had great rates and fantastic, honest service with a heart to help others. Seriously, LOOK NO FURTHER!!

John is a great realtor and helped me purchase a house in the Tulsa area. He is very responsive in…read morecommunicating and assisting in my search for a house. He knew the pitfalls to look for when buying a house. He had numerous local contacts to help with inspections, insurance, title work, and home loans. John was with me every step of the way through the house buying process giving solid advice. You cannot expect anything more from a realtor when buying a house.

From the owner: If you are buying a home my services cost you nothing because I am paid by the commission the…read moreseller pays but I will be working for your benefit. If you are selling a home I charge you nothing until a successful closing and I offer commission rates as low as 4% I know that buying or selling a home is one of the most important things you will ever do. I want to help make that experience as smooth and successful as possible. My extensive experience as a Realtor in the Tulsa, Broken Arrow, Owasso, Jenks, and Bixby real estate markets will benefit you whether you are looking to buy or sell a home in the area. If you are buying a home - I will help you find the home of your dreams by taking the time to listen and understand your needs and desires. Once I know what you want, I will work tirelessly to find the right home for you, because no one should have to compromise when it comes to such a huge purchase. Selling your home? My expertise in the Tulsa, Broken Arrow, Owasso, Jenks, and Bixby real estate market will help ensure that you get the best price for your property. My finely-tuned marketing program will make sure the right people see your home. You can find reviews about me from many of my past clients at... www.homesintulsaokforsale.com/clientreviewsforrealtorjohncantero/