First, let me preface this review with this... NVR Mortgage DID NOT originate my mortgage. With that being said however, NVR was extremely instrumental in making sure that my mortgage for my new Ryan Home was approved. For the purpose of this review, I will not go into too much detail, but during my mortgage process we ran into several hurdles that in my mind, being a first time home buyer, seemed almost impossible to overcome. Being employed in the civil construction industry, I am laid off like clockwork every year for three months in the winter. This is S.O.P. for the paving industry in Western Pennsylvania. And while I am entitled to Unemployment Compensation, further compensation from a Supplemental account that a portion of my paycheck during the construction season, is deposited into, the income that I received from these sources (which equal my regular weekly pay during the construction season) were unable to be counted towards my yearly income due to NVR's internal conservative lending rules. The loan officer that I worked with, Bethany Parisi, and the loan processor Lisa Bartos were nothing short of phenomenal to work with!!! Not only were they in constant contact with me throughout the mortgage process, but they were consistently reassuring me that my income situation, while not ideal to NVR, fit perfectly with one of the mortgage brokers that they work with. Bethany, took the extra time on a Saturday evening to forward all of my information to the broker (George Mason Mortgage), and assured me that we would have a final approval within a few days. She also reassured me that the closing would take place before rate lock expired, and that even going through the broker, I wouldn't loose any of the incentives that I had signed off on for my new home. Every promise that Bethany made, she kept! Beyond that, the broker, taking a second look at my credit rating was able to get me a lower interest rate (3.25%), and lower monthly payment without the need for me to bring more to the closing table! Without Bethany going the extra mile, that wouldn't have happened! Lisa, my loan processor... equally as hard working. I had heard so many horror stories about the mortgage process post 2008 financial collapse. Stories of loan processors losing paperwork, constantly asking for the same items over and over again, never returning calls, etc. Lisa, while a very busy individual, was on top of my paperwork the entire time! Beyond that, when Bethany wasn't available due to meetings, or working with the many other clients that she has, Lisa would always take the time to speak with me, answer any questions that I had, and reassure me that the process was moving along and things were being worked out. There are many people who get up and go to work every day in thankless jobs. Jobs that most people take for granted or don't realize the amount of work that is put in during the work week. I truly feel those who work in the mortgage industry are some of those people. Granted there are bad apples in every industry, and some of the horror stories you read online are quite true. Especially regarding the mortgage industry. But the team at NVR mortgage and NVR settlement services, in my experience at least, do not deserve to be lumped in with those horror stories. I would, without hesitation recommend purchasing a Ryan home and using NVR mortgage to anyone looking to purchase a new home! So, while in the end, NVR didn't actually approve me, Bethany, Lisa, and everyone else at Pittsburgh office made the stressful and overwhelming process of purchasing a home, completely painless, very easy, and still went the extra mile to make sure that I was approved for my mortgage! read more

I'm pretty sure the last thing you'd think you'd hear about the home buying process is, "My mortgage brokers were AMAZING!", however that was our actual experience. My husband and I worked with Denise M. and Mike B and from the beginning they could not have been any more helpful. Building our house was pretty typical with it's ups and downs and excitement, but no major complaints. Things were more complicated for as I am a freelancer and thus needed a few different forms of paperwork and letters. But Denise and Mike made sure we were always ahead of the game, advising us on what was needed, answering all my questions and keeping us in the loop. Towards the end of the process the people who were supposed to buy our first home had to move back our closing date and then ultimately after moving it twice were unable to get their loan. As you'd expect this threw us into a tizzy as we tried to figure out the best solution for assuring we'd still be able to close on our new house on time! Because it was so last minute, and because we had to move money around, we ended up having to go back through underwriting. While the buyers of our old home (obviously a different lending company) were in underwriting for weeks and did not care that they were affecting real people's plans, Denise, Mike and NVR literally bent over backwards. They were in touch with us every day assuring us they were doing everything they could do and giving us any updates available. We were in and out of underwriting in 36 hours! We were able to close on our new house on the same day we originally had scheduled before things went haywire. We had a moving company scheduled, people scheduled to watch our dog and our young daughter, and all the other various things that need to come together all at once when you are moving. It was such a relief to have people like Denise, Mike and NVR (as I know a lot of others were involved in making this happen for us!) to help us through this process. That week felt like a month, but because of this company who realized we are people and not paperwork, we are now settled in our beautiful new home. I just cannot thank them enough! read more

Let's be clear here as you read this. I am not some paid person who goes out writing reviews. I'm writing this review because I had a phenomenal experience with NVR Mortgage for the Loan process. I had the pleasure of working with two women specifically...Lisa B and Bethany P. Both Bethany and Lisa were tremendously informed, very patient and especially at the end of the process...went above and beyond to ensure that everything was done correctly. I'm personally relatively tired of seeing nothing but the negative reviews. The negative reviews are typically from people who have completely unrealistic expectations of what's possible in the mortgage process and/or are uninformed. Does NVR ask for a lot of information? Of course they do. Why wouldn't they!!??!? They don't know you from Tom, Dick, Jane or Joan. They have no idea who you are. They want to make sure that you're the same person on paper that you're representing in person. Yes they ask for bank records...yes they ask for 401K information...yes they ask for wage statements. Then guess what? They ask for it again!!! They do this because they want to ensure that when you get to the closing table you are prepared and will have no surprises. You're asking a company for hundreds of thousands of dollars...why wouldn't they vet you like crazy? You wouldn't?? 9 times out of 10, if something happens it's because the person applying is either lazy and not keeping up with the documentation requests, or are unreasonable about what they're capable of being approved for given their financial background (i.e. if you have 10 rental properties...don't get pissed when they bend over backwards to make you prove that's valid income). Or if you're self-employed...be prepared to PROVE your income. Big deal! The day before closing, there were issues with the title search. Lisa went way over the call to help us out. She did things she did not have to do in order to reach out to those who could get answers, etc... Both Lisa and Bethany were always prompt and responsive. Always went out of their way to help. Bethany and Lisa - THANK YOU! read more

I have never been so denigrated and violated as I have after dealing with this mafioso construction company. This is the most hostile, violent and unprofessional Monopoly in the state of Pennsylvania. I dealt with NVR/Ryan Homes Marion Estates back in 2017 and they along with the local police are an organized criminal element that will stalk, violate, harrass and literally hire people to follow you and assault you and your family even during the holidays. I had their goons at my house that I purchased from them while they parked their semi trucks and construction equipment in my yard. Then I had to deal with their drunk, overweight hostile skinheads at my front door condemning me to hell as an Infidel. This is a dangerous and illegal company that sooner than later will reap what it has sown. I will never forgive this company for what they did to me and my family. This is the worst of the worst and that is saying a lot. read more

My husband and I built a new construction home with Ryan. As an incentive, we financed through NVR, which is Ryan builders captive lender, and worked with Denise Middleton and Kendall Thompson. Both were great, keeping us informed of where we were at in the process as well as keeping us on track with what was outstanding in order for us to close our loan. We chose to go with an outside settlement company, which I would not recommend! There were issues during and following settlement that were technically the title company's responsibility, but they weren't willing to take appropriate and swift action. Ryan and NVR both stepped into assist even though they had not perform the title services, in order to get the issues resolved. These folks went above and beyond! I would highly recommend Denise as your loan officer and Kendall as your processor if you're looking to finance with NVR and are in Pittsburgh. read more

My husband and I were directed to NVR Mortgage by Ryan Homes in March of this year when we decided to build our house. The last time we had closed on a home was 26 years ago and I was dreading the endless paperwork nightmare I remembered having taken place for that mortgage. We were put in contact with Denise Middleton, who met with us and guided us through the paperwork we needed, and she set out exactly what we could expect throughout the process. We were then also put in contact with Tyler Zaremski, who was just as helpful and informative as Denise. I must say, I was pleasantly surprised at how smoothly the whole process was. Both Denise and Tyler guided us through every step of the way. The entire process was seamless and the closing took place on the date we were told that it would. We had a great experience with NVR Mortgage and we would wholeheartedly recommend anyone there for a mortgage. read more

I am not much of a poet and normally shy away from writing reviews, but had to give an outstanding rating for the work NVR mortgage did with our new home. We worked with Colby Shirey and Rachel Stark for our mortgage on our new Ryan Home. My wife and I kept waiting for the sky to fall and run into a bunch of issues while going through this process. To our surprise not only did the sky NOT fall, it was a very easy and pleasurable experience. They insisted the whole time that the sky would not fall, but we didn't believe them until we signed our closing documents and walked out of the office with a new home. Thank you to the NVR team who kept us informed during the process and not only meet our expectations but made the process easy and enjoyable!! read more

I never leave reviews, but we received such outstanding service with our recent mortgage I had to post about it. Rachel Stark and Colby Shirey were phenomenal to work with and made our process super easy. Applying for a mortgage can be a long and difficult process these days, but these ladies made it so smooth and seamless. They were very prompt to get back to us with any questions or concerns we had. Rachel and the NVR team also accommodated a few special requests we had due to relocation reimbursement so we could get the max amount. I am sure it caused them some trouble, but they handled it without complaint. No doubt in my mind we would use them again if the opportunity presented itself! read more

I had the pleasure of getting a mortgage through NVR Mortgage. I purchased a home in Delaware but my file went through the Pittsburgh office. It closed very quick and it was as if Pittsburgh was ten minutes away. My family never felt the distance a problem. Our loan officer Kristen and processor David Labosco communicated beautifully! David answered every phone call and email immediately. It seemed like he was sitting right by his desk or computer waiting for our many questions. After the closing David even sent a nice email to follow up and we got a lovely thank you card for him. We felt more like friends than a customer. Thanks to Kristen and David we had a great experience! read more

My wife and I decided to build a new construction Ryan home earlier this year. After signing the initial paperwork, we were sent to NVR mortgage to review the financing of our new home. Working with NVR was fantastic experience. Denise, our loan officer, took the time to fully explain the loan process. What's more. Billie, our loan processor, kept us on track with all the required paperwork along the way.. With Denise and Billie in charge of our paperwork, the entire process was painless. My wife and I closed on time and the numbers NVR quoted in the beginning of the process matched at the end, no surprises!! Thank you NVR, Job well done!!! read more

Moving to Pittsburgh area from Florida. I was worried about orchestrating the process of both home construction and financing given I had to do most of this from out of state. Turns out that NVR was absolutely phenomenal to work with. Professional, informative, and supportive throughout the entire process including checking in with me after all of our business was completed. A special shout out to both Allison and Danielle who were there for me the entire time. In reflection, what I thought was going to be a difficult experience turned out to be quite easy thanks to the professionals at NVR. I highly recommend them to you. read more

We used NVR Mortage because it was recommended by Ryan Homes, our home builder. Our Loan originator, Rachel Stark, was beyond amazing. She was extremenly friendly, professional, knowledgeable, and worked beyond any expectations we had. She always kept us updated on deadlines and the documents needed to close. She was able to find and "explain" the many options with had at the loan rate, down payment, and payments we were confortable with, while making the whole process worry and stress free. Thank you Rachel, and your team for helping us get our new home! read more

I had the privilege of working with Denise and Mike on my recent closing during the purchase of our new home. The entire process could not have been any easier. They both were great communicators with pleasant attitudes. They were meticulously organized and made it very simple to follow the entire process and ensure that all required documents were submitted correctly the first time. I would highly recommended working with them to anyone going through the mortgage / closing process. read more

It has been my pleasure to have worked with two fantastic, professional associates of NVR, Johnna and Kendall, in my first time purchasing a home. Nothing in life is ever smooth sailing there are always rough currents. Nonetheless, these two ladies were fabulous and helped me achieve my dream of purchasing a home of my taste. Thank you Johnna and Kendall, I felt lady luck sent the two of you to me. read more

NVR's professional approach made the home buying process simple. They were quick to reply to my questions, and the Processor Lisa was very helpful being this was my first time buying. The closing went timely without any glitches because their expertise and organization which made the loan process easy. They are professional, courteous, and very patient. I totally recommend NVR Services. read more

I had a great experience working with Bethany at NVR Mortgage. The process was much smoother quicker and easier than I had expected and I have been through the mortgage process with other lenders several times before. NVR offered a better price on closing costs by far and the rate was slightly lower than other lenders I had compared. I Will definitely be working with them again! read more

We built a new home with Ryan Homes and used NVR for the mortgage. I couldn't be more pleased with their service. They were responsive and helpful throughout the entire process! Everyone we worked with was wonderful. Our loan processer, Kendall, was amazing. She was always available to answer questions and went over and beyond to provide great service! read more

Awesome experience with NVR Mortgage. I was in contact with Denise and Mike and both were very professional and very helpful. Any questions any time of the day, the feedback and followup was awesome. I was a first time buyer with no prior experience or any research knowledge of anything and Denise guided me very professionally read more

We built in Morgantown, WV, and had an excellent experience with NVR. We were relocating from Idaho and found they were responsive, kind, and efficient. Everything was smooth from start to finish. When we closed my wife and I both said "was that it? That was easy." read more