Asa Berger(West Chester PA office) is an unethical, unresponsive loan officer. There are much…read morebetter options available.

My experience with the whole financial team I worked with was 100% on top of my whole loan process…read more Even with an issue that came up 2 days before my scheduled close, both Asa and Audrey worked diligently to ensure the issue was cleared up and we closed on time. Thank you!

This company seemed ok, but when we decided to go with another lender for a better deal . Ashley…read moreSimo then proceeded to call our sell's manager and explain why we didn't go with her and mention our financial situation, which was very unprofessional

We worked with Jim and Peter for our first home purchase and they were excellent. Both brokers were…read morevery professional and walked us through the process answering any and all questions with ease. When it came down to the lender processing our approval, we hit a road bump where it took a few weeks past our closing date to officially close. Peter kept up with the lender to get us a date ASAP. The lender could have done a better job with communication but I can not say Peter or Jim was to blame. We highly recommend Heritage Mortgage for anyone looking for a broker to buy a home. Both were very knowledgeable in their fields. Thanks Jim and Peter!

If you're looking for a mortgage lender who actually cares, go with Bobby. He made my first…read morehome-buying experience seamless despite a very tough market. Bobby is attentive, always available, and incredibly thorough. He never missed a call or text and was always ready with a solution to get my offer noticed. He truly listened to my needs and helped me close on the perfect home. 10/10 recommendation

Bobby was recommended by my brother who closed on his home a few months ago. My experience with…read moreBobby far surpassed my expectations. First home purchases are perceived as stressful and complicated. Not in this case. Bobby and his team were along for the ride every step of the way, portraying professionalism, care and dedication. I look forward to working with Bobby on our next adventure. Thank you Bobby!!

Poor customer service! Messed up our escrow and when we tried to get some resolution, they sold our…read moreloan to avoid dealing with it!

This is Sadegh Khamooshi, a loan officer (NMLS# 1714325). I…read morewould like to share my positive experience working with AFR Wholesale. I posted a scenario on behalf of my borrower on the Loan Factory marketplace to find the best possible rate for her. She had already received an aggressive rate from another lender but gave me the opportunity to find a better deal for a 10-year term loan. Many lenders didn't even offer 10-year loans on their fee sheets. That's when Mr. Peter Impagliazzo, AFR's representative, presented me with the best rate. At first, I wasn't sure if I could trust it--it seemed too good to be true. I asked Peter about the underwriting turn time, and he confidently promised that conditions would be cleared within 24 hours or less. I decided to give AFR a chance, and I'm very glad I did. The rate was real, with no excuses or changes throughout the process. AFR honored the pricing and stood behind their offer. Their underwriter moved quickly, and their statements were accurate--not just marketing claims. AFR's software is very innovative, and everything in their system is transparent. The underwriters were available during business hours, open to discussions, and receptive to my feedback when I provided valid explanations for certain conditions. One standout feature of their platform is the online dispute system for underwriting conditions. When you challenge a condition, the underwriter--or even a senior-level decision-maker--will respond. You're never ignored or left in the dark. They also have an "SOS" button that allows loan officers to flag urgent or time-sensitive issues. I used that feature once, and I received an extremely fast and helpful response from upper management. I hope loan officers don't abuse this feature so AFR can continue offering it. My borrower had a silent second loan from her employer, which would be forgiven after seven years of employment. This created complications on the closing date. I requested executive support, and Mr. Wade Humphreys, Vice President of Sales, personally called me. After our conversation, he recognized the complexity and escalated the matter to Mr. Michael Brenning, AFR's Chief Operating Officer. Mr. Brenning called me within the hour, reviewed everything, made an administrative decision, and saved the deal. Throughout the process, I also worked with Heidi Ward, the Account Manager, and Jamie Dix, the Closer. Both were highly professional, responsive, and cooperative. Their support and teamwork made a significant difference in ensuring a smooth closing. I give AFR Wholesale 5 out of 5 stars, and based on this exceptional experience, I will confidently send more business their way in the future.

Courtney recently represented my father in the sale of his townhome. My siblings and I were all…read moreinvolved, as my father needed a fair amount of support making this transition. Courtney was very responsive to all of us, making sure to include us all in updates and decisions. She gave excellent advice on pricing, negotiating, and she had a wealth of referrals when we needed labor and legal representation. Always friendly, always available, and always had an answer. I highly recommend her!

From the owner: Working with buyers, sellers and tenants - my company specializes in Residential Real Estate…read more Covering 13 Counties including Somerset, Hunterdon, Morris, Essex, Union, Monmouth, Ocean, Bergen, Passaic, Middlesex, Mercer, Sussex and Warren Counties! Specializing in working with first time home buyers, very patient, educational, knowledgeable, great negotiator and resourceful.

I highly recommend Michael Maloof. He returned my call within five minutes. He found the right…read morecontact for me for a complex residential refinance.

I found Michael to be very good at getting me mortgage with so many options was very diligent on…read moregetting it done and closing me on time