We could not have been happier with our experience with the Saul Pinela Mortgage Team. We were…read morefirst time home buyers using a VA loan and from the very beginning, we had full confidence in this group. It didn't matter what time of the day or at night, Saul answered us when we called or emailed with any questions throughout the entire process. They were very clear and concise with what they needed from us, communicated timelines and helped us make the best home buying decisions. We are so grateful to have worked with Saul and his team and would highly recommend them to anyone looking to buy a home.

I would not recommend at all. It took almost two months to close, keep in mind that I have…read moreoutstanding credit and was very quick to turn around their request. I would look at other options.

Chris and his team of professionals made, what can, otherwise, be a tedious and frustrating…read moreexperience, a very easy one. Clear and concise communication and a calm and friendly demeanor helped relieve any fears or concerns. I highly recommend Chris and United Home Loans and if I could have given them a 6th star, I would have.

After falling through with 2 other mortgage brokers I finally contacted Chris Kinsella - and he…read moreblew any other broker out of the water, not only with his professionalism, but with his personal level of service to my wife and me. Chris is one of the main reasons we own a home today. I'm going to keep this short and sweet - Chris isn't going to make you feel hopeful about getting your home, he's not going to give you false expectation, he's not going to tell you anything you don't need to hear. He's real - incredibly honest and upfront about your financial situation and what you can do with it. Other people I worked with kept giving me a false sense of hope for what I could afford, and then everything would fall through last minute. This is so heartbreaking when you find a place you really want. This industry is so competitive you can't afford to have these kind of issues with professionals you're working with. The banking industry isn't one you want to mess with. They will scour your every penny, every bank account, everything to make sure you can afford your place. When you work with a broker you want someone who accurately reflects your situation. Back to Chris: after searching for nearly 6 months and finally finding the place we could both afford and one that we actually wanted, we became very close to loosing the property due to dealing with 2 finance companies that messed up our numbers. I had previously contacted Chris and been in touch with him to ask random questions, even when I was working with other companies. He was always patient and super happy to help me no matter the situation. When I finally called him at the 11th hour of closing, desperate for someone to give me a real sense of what I needed to do (pay off credit cards, a car loan, etc) - Chris stuck by to the very end and made it work out for us. I can honestly say that Chris is one of the main factors that we own a home today. Don't mess with other companies. Don't price shop when it comes to your loan. Other financial companies might offer you free appraisals, discounted rates, etc - but it's all pointless if they don't get the job done. Your home is worth it.

I casually walked into Mega Mortgage's new office in Des Plaines while waiting to get my oil…read morechanged at the garage next door. My husband and I own 4 properties (1 personal and 3 rentals) and regularly monitor the interest rate environment, actively refinancing when it makes monetary sense. We had a long-term broker relationship with another group so I had little intention of switching when I walked in - just wanted to get a quote to make sure my current relationship was competitive. Turns out, Mega Mortgage was incredibly competitive, so much so that we immediately locked in a rate and refinanced. I tried to get my prior broker relationship to match Mega's rate but they couldn't do it... The entire underwriting process was extremely seamless - much less so that prior refinances we've done. We worked with Artur Bartosik from beginning to end so no passing off to more junior folks that don't have a good sense of the process; if you've ever refinanced with a big bank, you know how amazingly frustrating this can get. My husband moved jobs over the summer, so employment verification/salary could have been a pain, but Artur and team understood the situation without a hitch. Also, Artur responds to my texts (my preferred method of communication) which I appreciate. At close, Artur came to our home to sign documents which was much more convenient since we have young kids so didn't have to arrange childcare. With the recent rate drop this week, Artur at Mega Mortgage is pricing out additional quotes for our other properties which is likely to result in a second transaction within a month! Couldn't be happier that I casually walked into Mega's new office - great relationship-focused group of individuals that provide superior pricing.

I had a great experience working with Mega Mortgage Services on my loan in Mt. Prospect. From the…read morevery beginning, the process was handled professionally and with a lot of attention to detail. Every step of the mortgage application was explained clearly, which made the whole experience much less stressful.

So we were lucky enough to have Michelle as our mortgage consultant and I'll tell you right now…read morethat we could not have been more satisfied. My wife and I are older now and really dont know anything about this stuff, so we had to take a shot and put our trust in someone. After talking to several companies I decided that Michelle sounded the most trustworthy and thank god I was right. Was something about the way she carried herself over the phone. Too keep this short. I'll say she held our hands throughout the entire process and made sure we would understand everything. She got us exactly the rate we were hoping for which saved us almost $200.00a month. On what was a $750.00 a month mortgage I'd say that's pretty amazing. So, In closing , all I can say is that you will absolutely not find a better and more honest person to go through. Smart Mortgage should damn well be proud to have an agent like her working for them. And to us , that makes Smart Mortgage the only way to go , especially if your older like us and need someone you can trust. Thank You Michelle, Your the Best Bruce and Barb Baxter

Smart mortgage center made my experience of buying my first home so wonderful, Brian Noe worked on…read moremy loan and he was fantastic, he was understanding and explained everything to me step by step and made everything so comfortable for me , I recommend smart mortgage to anyone looking to buy a home and ask for Brian Noe, you won't be disappointed, I closed today on my first home thanks to Brian Noe and the processing department, I'm truly grateful

After working with a loan officer in California for over two months and telling them…read moreMy situation...I was denied a loan. This was super frustrating since nothing changed in my situation from the time I initiated the loan procedure and from the beginning the loan officer told me I was qualified. He assured me i would get the home purchase loan. I was strung along for over two months with a home under contract to purchase. This is unacceptable. Then denied. I was able to obtain a loan with a local bank but this process by Perl Mortgage was a total waste of time. I would never attempt to use them again and would not recommend you use them. Thank you Ken for your reply. I obtained a loan immediately through Quicken Loans and own another home. I appreciate your response but it's done and over. Hopefully your offices can learn from this situation and evaluate the circumstances earlier to avoid undue stress to the client. Again thank you.

About two months ago my spouse and I were deciding whether we would buy a place or continue to…read morerent, so my sister who had worked with Perl Mortgage in the past and had a good experience, recommended that I reach out to this company. After doing some research, I came across Pam Harambasic's name on the internet and decided to reach out to her to ask some questions and to find out whether we (as potential first time buyers) would qualify for a loan. Since we had not gone through this process before, my spouse and I were unsure of what to ask or even how to get started. When we initially spoke to Pam over the phone the first things that stood out was that she was very personable and knowledgeable, which put us at ease and help to guide us towards our decision to buy rather than continue to rent. Pam met with us for coffee in our neighborhood and walked us through the details of the process for home buying. What my spouse and I enjoyed, was that she not only dealt with the business of applying for a home loan, but she also took the time to get to know us and to allow us to know a little bit about her, which helped build trust and made us confident that we had partnered with the right person to take us through this process. My spouse and I found a place that we wanted to buy two days after our face to face meeting with Pam. Throughout the entire process in applying for a home loan, Pam kept us informed, answered all of our questions, was incredibility responsive, transparent, professional and reassuring. The whole time along, we felt lucky to be working with someone who helped ensure that the process for us was smooth and relatively stress free. We are now in our new home and absolutely love it! We really appreciate Pam and happily recommend her to others. Should we need her services in the future, we would not hesitate to reach out to her. We could not have asked for a better experience or more outstanding Mortgage Advisor.

Update: 8/31/2017 Thank you for Grace's sincerity and…read morehelpful reply. I feel like I can trust her again. I think I'm too impatient to wait for her reply. Now I know customers are very important to her. She will take good care of them. I will definitely do business with her in the future if needed. I will recommend Grace to others wholeheartedly. Original: 8/30/2017 At first Grace Davis was helpful but then she did not respond to my last email. I just want to find out the interest rate and closing costs. Is that too much to ask? She might just be too busy to answer two questions. Maybe I am not worthy of her time. I chose her because she is on the list of preferred loan officers. But now I think it is overstated. Not recommended.

I was a first time home buyer looking for a mortgage. I got all my places lined up for the day and…read moreasked one of the consultants to give me a rough estimate of the rates he had. He gave me a rate that was well outside of my research range. When I said to him "Hey this doesn't seem right, can you check it again" He said "I did everything I could and that is the best rate I could get, I do this for a living." I literally called 3 major banks and got 3 quotes that were all 1% lower than his "lowest rate" I told him I was moving on with another bank. He said "Well maybe I can talk to my manager to get a lower rate...I didn't know rates were so low." Get a second opinion when working with these guys... Slimy as hell.

We highly recommend Michael DelVecchio for all your Mortgage needs. Honest, transparent, pleasant…read moreand knowledgeable! Looked out for our best current and future interests. Fantastic communication and kept us informed through every step of the process with NO dreaded, closing surprises. Fantastic, personalized experience! Impeccable service!

Initial start was good and Brandon Coll - SVP of Residential Lending - NMLS #248814 was…read morepatient/responsive. however, towards the end he started loosing patience for my queries. The worst part was when the Title company called me, saying I was short of funds for closure. Being my loan officer, I would have expected Brandon to call me and help expedite the closure, ended up paying several hundred dollars on his ill advice. Won't recommend.

I can only comment on my experience with Tony, the broker I worked with from Pacor. I have not had…read moreexperience with any other brokers from this company and cannot speak to the service outside of my particular experience. I bought my condo back in 2008 and am now in the process of refinancing to get a better rate. I went through Pacor when I originally purchased my condo and needless to say I am not using them for my refinance. Tony got me a mortgage yes, but I was not happy with his lack of attention and customer service that we got. During the entire process he was very unavailable, and I felt like I was chasing after him the entire time with very few responses/answers. Now that I've gone through a refi with another broker there is a very clear difference in my mind of how things should have gone when we originally purchased. Definitely do not recommend.

My Fiancé and I were buying our first home and Kevin Flaherty with Pacor helped us greatly. The…read morewhole process can be pretty stressful (pre-qualified mortgage, offer, negotiation, finding an attorney, finding a mortgage lender, etc.) Kevin made one of the most stressful parts of buying a home very manageable. He is very organized, knowledgeable, and great at what he does. He walked us through the process step by step. Our mortgage was approved on time and everything went smoothly. Plus, Kevin even came to our closing to make sure everything went well!