Great experience. We did re-finance with Poli group. Initially, we called several loan officers for the re-finance rates, among which Poli has the best rate at 15 years fixed. So we started the business with them. The closing was extremely fast. It took us only 23 days to close!! I was told that they lock the rate for 25 days, which is probably why the rate is lower as longer locking period would require a higher cost and you have to pay for it, either through closing fee or a higher interest rate. But this locking period is enough for re-fin since their process is very fast. They did say that if for some unfortunate reason the process does not close within 25 days due to their issue, they will extend it for a longer locking period. We did not go through that pain and was able to close with 25 days! Overall, it was a great experience for us. We highly recommend Poli Mortgage Group and will definitely be back again when doing another loan. read more

Poli Mortgage Group came highly recommended to us. It was possible they were just talking about Chip, who is the owner. We reached out to remortgage our home (with such good rates right now!) and have barely received a coherent response. The first time we asked for 4 different scenarios (15 year, 30 year, etc) and the email we got only outlined one. The second time we asked for someone else, and he called back with follow up questions, then sent back an email. No grammar, no formatting (something that should be sent in a table is sent in a spaced out in a document that's impossible to read). I work at a IT finance consulting firm. When we send quotes to our clients, it's sent in a formatted excel doc or in a portal that they can access all the information. Our rates weren't as good as the friend who recommended us, which I understand is sometimes the circumstance, but the email's we've received have felt like no one is paying any attention. I want someone who's going to listen to our needs and hit the details right! read more

I was dealing with 2 mortgages over a 6 month period-a refinance and a new purchase. It was very challenging but thanks to Jesse Carbeau and Sara Zagaglia, it was quite smooth. They went above and beyond so my involvement was reduced. That was quite important to me because of my limited time. Leading up to the refi, Jesse kept me abreast of the rates and my options resulting in a very low rate just before the increase. Sara obtained information needed for the new mortgage saving me time and frustration to obtain it. Jesse and Sara from Poli Mortgage are very professional, experienced and knowledgeable and made a stressful time very doable. Many thanks to this wonderful team! Michael Berman read more

Where can I start... I applied for a home loan with 3 different lenders. They all had higher interest rates and I felt like I was talking to a computer. I decided to chose Poli Mortgage Group because their rate was way better and because of the conversation I had with Jesse. I initially spoke with Jesse Carbeau. He was straight forward with me. I explained him my situation and what I was trying to do. He ran the numbers and came up with a plan for me. Didnt make me any fake promises and explained me how the process works at poli. I asked him so many questions and he always remained patient and replied to me asap. Jesse got me pre approved with a list of conditions I needed to clear. Told me to find a house and then we would clear them together and deal with it together. I found a home and had an offer accepted. I moved to the next step and spoke with Rick Souza (loan processor). God bless him because I asked him a ton of questions about everything (Emails and calls). I was nervous because of the conditions. This was a huge step for my family. We had moved 7 times in 15 years and never had a place to call home. We lived in a tiny apartment at the Time so this was a huge step. We wanted to find a place for our kids to grow and create memories. So you can see why we were so nervous throughout the entire process. Rick always replied to my questions and concerns. He never made false promises and also had a plan for me. We went through this process together and I thank god I chose Poli mortgage group. Rick made jokes, calmed me down and always had a plan for what we had to do. Little by little we cleared those conditions. Now, we finally got the clear to close. My closing date is June 22. I thank god I chose Poli Mortgage group. Rick and Jesse cared about my concerns and went through this process with me. I was deffenetaly not alone. They not only did their job but also showed me that they cared about my concerns and my situation. Not once were these guys rude to me. Trust me I was a nervous wreck about every little thing. My only advise to you is to be truthful. Dont be embarrassed about things on your credit report. Do not lie! They will find out at a later stage and is totally not worth it and is not fair to them. Be organized and get them what they ask you for in a timely manner. I have to say Poli mortgage group is very lucky to have these two gentlemen working for them. I will forever be greatful to them. They have given my family a place to call home. read more

Overall mixed experience, worth trying for quotes but lower expectations on the communications internally which resulted in dysfunctional process in my case. Prepare to have your data sold for marketing purposes to third parties without your consent. read more

This review has been long over due. I re-financed my mortgage with the help from Jesse and Lynn during the year 2020. Jesse helped me get a low rate and they helped me eased through the process. I got quick replies back from via phone/emails. Everything was an easy process read more

Troy McRoberts and Rich Souza were phenomenal to work with while refinancing my home with Poli Mortgage. Both were very direct and easily reachable for any questions I may have had. Everytime I talked with them I seemed to be a top priority for them rather than being just another application to close. Quick, smooth, easy transaction that closed in 16 days from my initial application date. Great process and was very streamlined to e-sign and submit all my necessary documents online. Their fees were reasonable while at the same time being lower than I expected. Would definitely recommend to anyone looking for a mortgage or refinance. read more

We continue to have great experiences with Poli Mortgage.

I had the VERY BEST possible experience with Poli. I had initially applied with Amerisave which was the WORST possible experience. I realized after 14 weeks, and their ridiculous requests for the same documents 10 times over, that this was a sleazy outfit. Time to move on! At 18 weeks, same story. Later read BBB reports on Amerisave and found hundreds of others with same story. Shame on BankRate.com for enabling such sleaze. I stumbled upon Poli by accident and gave them a call. Talked with Jess and requested he review my numbers, etc. He said this was a slam dunk that he guaranteed would close within 40 days. I could tell from the questions I asked and his responses this was the real deal. A super efficient, professional company. ALWAYS could reach someone immediately. Closed in 30 days !!! Got a better rate too. Poli is the genuine CLASS ACT!! read more

I really wish I had shopped around before I went with these people. I trusted the person I worked with because he was the father of someone I had worked with, but I think that was a mistake. The lack of communication and professionalism was really surprising to me. I definitely got the impression that my loan wasn't really worth them bothering with. I sent many e-mails that got no response, and often was not called back in response to voicemail. They needed anything they needed from me right away, but they took quite a bit of time getting back to me with information I needed from them. They also dragged their feet even trying to obtain the information they needed from my condo association. They said that they had asked for the infomation a week before last Thursday, and asked me to call the condo association about it. The management company told me that they do not give this information out without the condo owner's consent, and nobody had asked me for my consent , so it sounds like the mortgage brokers just never called. By the time they bothered to mention it to me, they needed the information right away. This seemed to be no big deal to them, but since my home is the biggest purchase I will ever make in my life, it is actually pretty important to me. I would definitely say this company does a little less than the bare minimum to give good customer service. I also have the feeling I should have lookedaround to see if somebody could have given me a better rate. read more

I was surprised to find a poor review on this company. I started working with them over a year ago as they are expanding nationwide. I have bought and sold many homes over the last 35 years and never have I dealt with a more responsive and involved company. From the moment I contacted them they were on top of everything. I cannot imagine a company that can do more AND give me a great rate. Friends said that no one could offer these kinds of rates and the rate would switch at closing. It did not. read more

Great Mortgage Company! We use Poli for our clients and I've used them for myself on multiple occasions. Glenn Cira is as good as it gets when it comes to Mortgage Brokers - friendly and knowledgeable and most importantly, delivers as promised. If you need a mortgage with a great rate and top notch customer service you'd be smart to call Poli Mortgage and Glenn Cira. read more

Glenn Cira at Poli Mortgage Group was truly a pleasure to work with. He defies all of the negative stereotypes of a typical loan officer / mortgage agent. He was knowledgeable and responsive, and he went out of his way to help me obtain the right deal and get it closed -- all in addition to providing the lowest rate I was able to find after fielding tiresome calls from over 20 mortgage lenders. Honestly, even if Glenn had turned out to be 1/8 of a point higher than someone else, I would still have gone with him because of how pleasant he was to work with and his ability and commitment to closing the deal. Specifically, Glenn did three things that differentiated his competence and professionalism from everyone else's: 1) facilitating rapid rescore, 2) informing me of FHA timing, 3) always picking up phone or calling back promptly. Rapid rescore: Due to certain nuances of my credit utilization, my credit score at the time it was pulled was a few points too low to meet the requirements for the rate I wanted. Glenn contacted a credit consulting company who recommended a few easy steps (e.g., transfer $2,000 balance from one card to another) and after doing this my score went up by amost 50 points! Glenn was instrumental in making this happen and staying on top of the process FHA timing: Glenn's deep knowledge was pivotal for saving me thousands of dollars. Because all interest on FHA loans is paid monthly in full, I would get charged double interest for the month if we were to close after the 1st of a month instead of near the end of the month. Since I had no idea about this, if I had gone with a different loan officer who didn't know or didn't care about this, I could have flushed over $3,000 down the toilet. I would imagine that Glenn's knowledge would extend to many other things in addition to this specific nuance. Responsiveness: I can't remember a single time when I called Glenn and he did not either answer the phone or call me back within 30 minutes. This type of responsiveness is hard to find. Above all of this, Glenn's personality was different -- better -- than the other loan officers with whom I spoke when shopping for my mortgage. Most of the other guys reminded me of used-car salesmen: pushy, in-your-face guys that make bold, unsupported assertions that aim to make you feel stupid if you don't take their deal, or guys that are super-friendly in an almost disconcerting way until they think they are unlikely to get your business, at which point they become rude and obnoxious. I always felt like I wanted to take a shower after talking to them on the phone. Glenn was the exact opposite -- always straightforward, always pleasant, always willing to address my concerns honestly and head-on. He is truly a class act in an industry that is otherwise full of tools. read more

Judy and Rick are wonderful to work with, very efficient and trying their best to get you the rate . They are very patient and pleasant to work with, there is no pressure from them, always respect my decision. Their only app makes signing and uploading documents so easy and efficient, I am so happy to find them to get the best pricing and best service, Thanks Judy and Rick read more

Lynn and Chip Poli did a great job making sure that the mortgage was approved without an excessive amount of documents or delay. This is my fourth mortgage with Poli Mortgage Group and the experience has been very positive. Details were addressed and issued resolved. I will be back again when purchasing a home. Thank you Lynn and Chip. read more

If you don't want to waste time talking with sales focused mortgage financing folks then Poli is the place to go. They really take the time to understand your needs then offer choices that fit for you vs the other way around. They especially know the specialties of the New England market vs the national firms that don't seem to know how a multifamily works or that yes my house is in fact worth that much! We used Poli for our original mortgage and went back with them on a refinance - definitely the only place you need to go. read more

avoid like ebola! Mortgage transactions and the purchase of a house became the worse nightmare of my life, causing me severe stress over their very poor response time, poor interactions, and poor explanation of the situation, especially with regards to their underwriter, Shanon Dubois, someone clearly lacking in people skills. My file and application was treated like a hot potato, and was threatened to be rejected just 2 weeks before my deadline under the P&S agreement with the original homeowners, thus threatening me to loose my $28000 dollar deposit. Eventually they forced me into a FHA loan and I just refinanced out. FHA loan, despite being only a 6 months old portfolio, made me loose over $15000 in closing costs non refundable PMI and monthly PMI. Closing PMI never explained. Had to sign everything on the rush after the undignified begging I had to do with them to even speak with me. My lawyer had a similiar problem. Radio silence. Brinkmanship. Stay clear. Don't be duped by low rates and possibly false reviews! read more

I was recently shopping around for a mortgage and Tracy Bellavance from Poli came very highly recommended. I found her to be very responsive, honest, direct, professional and helpful in all of my interactions with her. Her rates were good and closing costs were quite reasonable too. It is an intimidating process, and I had a lot of questions, but she remained quite helpful and patient with me. I would certainly recommend her if you are looking for someone to use to obtain a mortgage. read more

It was an absolute pleasure working with Rick and Jesse at Poli. I began working with Jesse in early June who was super responsive, friendly and helpful. I was then referred to work with Rick who was extremely helpful and knowledgeable. I am a first time homebuyer with no experience or understanding of the process and daily he made me feel comfortable and educated in the decisions I was making. No more than a few days in the past 6+ weeks would go by that we wouldn't speak. Rick was always available, at anytime, for all the questions I needed answers to and his patience was incredible. I would absolute continue using Poli in any future home buying experience and will no doubt be referring them to any of my friends or family who are considering buying. Thank you so much Rick for everything!!! read more

I had the pleasure of working with Richard Souza, and let me tell you, he made everything a whole lot easier. This was my second time applying for a mortgage and for someone who isn't up to speed with the amount of documents, or understand the lingo, I was extremely grateful to be working with Rich. He was patient, quick responding, and when I didn't exactly understand what document I needed, he spoke directly with my bank manager. I literally called him every single day and not once did he ever give me an attitude or make me feel like a burden, he understood I didn't do this daily and that I was A LOT of work. He'd even chime in here in there with me talking about recent sporting events while shuffling through the stack of paperwork I threw at him. If I ever apply for another mortgage, I'll be asking to work with him at the Poli Mortgage Group. Fantastic service and fantastic people. read more

I've worked with Poli before but it was with a mortgage broker I had worked with at another company. This experience was totally different. They were very slow providing information and feedback on my condo. The appraisal was much lower than expected and was not comparable to the properties I knew had sold in the area. I've had much better experiences with our companies. read more

Keith Hapenney from Poli recently handled our refinancing, after we had a terrible experience with Bank of America (lost paperwork, dragged on for months) . What a difference! Poli had a great secure e-mail system set up to send paperwork back and forth, so nothing got lost. Keith was great - clear, understandable, competent and direct. He delivered the best possible rate and deal for us in a timely manner, and leapt nimbly over any hurdles. When I had a slight question about a form, he actually called me from the airport on his way to his vacation. His support staff was also terrific, clear, competent and thorough. I wish I'd started with them! read more

Hi, here are some details of my experience with Poli Mortgage. I liked that customers could get quotes on the website without entering personal information, so I visited often to track rates and compare options while deciding whether to refinance. Once i decided to go ahead, I actually contacted a different company recommended by my realtor friend, but the closing costs were rather high so I decided not to proceed. Then I saw in a review where Poli promised the lowest closing costs, so I thought I'd give them a call. Ed McMahon (really) only needed 5-10 minutes on the phone to get my file started and emailed me some options, showing the closing costs to be about $2,500 lower than the competitor. Once I contacted them to proceed, Ed and Rick Souza really moved fast on the paperwork to be sure I could close the deal before rates moved in a volatile market. It's unavoidable that the document collection process is going to be a hassle, but Poli has minimized that with a convenient website that lets you scan and submit your documents quickly and easily. First contact was Feb 13, refinance was approved Feb 21, was cleared to close Feb 28, and a settlement agent met me at my home March 6 to sign all the paperwork. All in all, a very fast streamlined and effective process, with helpful and knowledgable staff and a focus on customer satisfaction. read more

I was trying to refinance my house. I had purchased this house in Nashua, NH area in Sep-2013 for 270K. I did a refi last year and the value of the home based on the appraisal in Jan-2015 was 310K. But I still had to pay PMI. This year I was hoping to drop off my PMI and lower my interest rate by doing another re-fi. So I filled up initial contact form for Poli in Zillow. Judy Turtz contacted me and discussed about my situation. She told me that for PMI to drop my house should be valued at 316K. And she assured that since the property prices are increasing in my area and my house was valued at 310K in Jan-2015, the house should be appraised for more than 316K this time. Zillow showed the value of my home at 344K and I let her know about this too. Also I did some research around the home values around my area and found that there were 3 homes sold for more than 325K within 0.1 miles of my house. So I was confident that my house will be appraised for more than 316K. Judy took down my credit card and charged $440 as a deposit for Credit report and Appraisal. But the appraiser (Susan Fitzgerald from Baseline Appraisal) did a very poor job (Judy herself admitted this) with the appraisal and she came up with 284K as my home value. Please note that property values are increasing in my location (Nashua, NH, 03062). So I absolutely don't understand how my house value decrease so much (310K in Jan-2015 and 284K Feb-2016). I talked to Judy and send her my 310K appraisal from last year, and she admitted that the appraiser did a very poor job. The appraiser missed some features of my house in her appraisal (like I have two decks and she put only one, I have an additional kitchen and bathroom in the basement but the appraiser missed that). Also the appraiser never took the houses sold within 0.1 miles of my home into consideration for the comparable. She used comparables that are in busier roads than my house. So we did an appeal of the appraisal. This time the appraiser adjusted the value to 290K. Currently I pay 3.75% as the interest rate and my PMI is 75/month. So based on this appraisal I was not able to drop off my PMI. I requested Judy to return my deposit back because of the poor job done by the appraiser and Judy refused to return the money suggesting she can not do that because of their policy. I believe this is really unfair especially because I don't see any reason why my house which was valued at 310K in Jan-2015 would loose 20K value by Feb-2016 when the property values are increasing my area. I believe the appraiser did a very poor job with the appraisal. Poli Mortgage uses incompetent appraisers. So based on this I would never suggest going with Poli Mortgage. Update to my original review : March-7-2016 Judy called me up on Mar-6-2016 to further discuss about my loan situation. We both had a nice conversation. In my previous review I had specifically mentioned that the whole deal fell apart because of the appraisal. I understand that Poli has to get the appraisal done by an independent third party and they don't have any control over the appraisal process itself. But Judy did try to help me out after the first appraisal came in too low (it was at 284K). She gathered all the information about my home (the ones that the appraiser missed) and alternate comparables. Then Judy appealed the first appraisal. This time the appraiser adjusted the appraised value to 290K based on the things they missed about my home in the first appraisal but they never considered the alternate comparebles that Judy suggested. Again, I believe Judy and Poli Mortgage Company did their best to try to get the appraisal reviewed and updated. I thank Judy for that. On top of that Judy has kindly agreed to refund my deposit back. Also she suggested that she will keep an eye on the recent sales in my area and try to work out another refi loan. So I believe Judy and Poli are doing everything in their powers to resolve this situation and I am really thankful to them for that. read more

I will never use anyone for my Mortgage other than Chris Poli. My wife and I moved here from San Diego CA and had never owned a home in MA. We didn't really know where to begin... I shopped around and spoke to 4 mortgage brokers during my search. I got a range of rates from all 4 and Poli was .375% lower than everyone else and their closing costs were paid for. Of course I used his rate to try and negotiate with the other 3 companies and every one of them came down on the rate. One of them actually came down twice.(first with interest and then a second time he offered to cover some closing costs). When I called Chris back to get his number down by trying to play him off the others, he told me that they "always offer the best rate possible. If he could have gone any lower , than he would have when we first spoke." I can't stand sales people usually but Chris was honest and open from the start. After locking in the rate, his team was quick and knowledgeable. They explained what the whole process from start to finish they were spot on. Everything was smooth and I couldn't be happier with the outcome. read more