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    Phil Ganz - Next Wave Mortgage

    Phil Ganz - Next Wave Mortgage

    (60 reviews)

    I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

    I've worked with Phil multiple times over the course of 7 years and can't recommend him highly…read moreenough. He's a trusted advisor who makes the mortgage process clear and manageable. Phil takes the time to walk through all the options, helps you make informed decisions, and is incredibly responsive and easy to work with. He's flexible, reliable, and always available when you need him -- truly a partner you can count on during an important financial decision!

    First Choice Financial - *Follow us on Facebook *** www.facebook.com/FirstChoiceFinancialInc *Follow us on Instagram *** www.instagram.com/firstchoicefinancialinc/

    First Choice Financial

    (45 reviews)

    We had a great experience with First Choice Financial. Julie was excellent and the process was…read morecompletely seamless and easy. It was very much no stress all the way. As far as numbers go, First Choice offered us the best deal, much better than what we found at traditional banks. And the loan process was a breeze. Whenever something came up, Julie made sure to quickly communicate what to do or send. She was easy to reach and always there for questions. Julie treated us with the utmost respect and professionalism. You could plainly tell that not only was she a seasoned pro, but that she also had our best interests at heart. Huge plus. There is no comparison between First Choice Financial and major banks. It was such a better process than I am used to, I am really kicking myself for not using them sooner. I would highly recommend.

    We can't say enough wonderful things about Julie at First Choice Financial! From the very…read morebeginning, she made a stressful process feel smooth and manageable. Julie was always patient, kind, and incredibly responsive. No question was ever too small, and she took the time to explain everything in a way that made sense. What really stood out was how much she genuinely cared about helping us reach our goal. She went above and beyond to make sure every detail was handled and kept us informed every step of the way. It honestly felt like we were working with a trusted friend rather than just a lender. Thanks to Julie's hard work and guidance, our experience was smooth, positive, and even exciting. We're so grateful for her support and can't recommend her highly enough to anyone buying a home!

    Patty Da Silva | Green Realty Properties

    Patty Da Silva | Green Realty Properties

    (34 reviews)

    From the first phone call to the day we closed on the sale of our home, I knew were we in good…read morehands with the service and subject matter expertise of Patty, Chris and rest of the team at Green Realty Properties. With their local expertise, we were able to price our house appropriately and present it superbly. They were very diligent to market and show the house and that resulted in many offers. Once we accepted an offer their guidance and open communication helped us navigate every request from the buyers, which resulted in a timely close without any significant challenge. Looking back on the entire process, I am thankful we had them by our side the entire time!

    I cannot say enough good things about Patty and Chris. From day one, Patty was incredibly kind,…read moreprofessional, and strategic. Her pricing and marketing strategy was spot-on and resulted in a full-ask offer within just three weeks of going live-during the beginning of the holiday season, no less. They hosted two open houses, coordinated numerous private showings, and executed a thoughtful marketing plan that truly worked. Patty's guidance throughout the process, from preparing the home and taking photos all the way through closing, was invaluable. Patty and Chris were both extremely supportive every step of the way and made what could have been an overwhelming process feel manageable and organized. Selling a home after 20 years of raising kids and making memories is an emotional rollercoaster, and they handled everything with care, patience, and empathy. Even after closing, they checked in on me as I relocated and recommended a moving company they've used in the past, which turned out to be a fantastic recommendation. Patty and Chris work beautifully as a team, and I truly could not imagine going through this experience with anyone else. I highly recommend them to anyone looking for top-tier, luxury-level service and genuine people who truly care about their clients.

    PNC Bank - banks - Updated August 2026

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