I come from a banking background, and Ive been party to more loans and mortgages and refinances…read morethan I care to admit, and I never expected the experience I had from Cornerstone, and specifically Justin Smith. Expecting long run-arounds, multiple hoops to jump through, and months of checks and rechecks, I was absolutely astonished when we were able to walk in one morning, provide all that had been asked for initially, and was approved without issues. Even the one or two minor paycheck updates, or rate locking conversation was pleasant, compared to what could have been. I will send my clients to Justin with confidence, and will be SURE to use Cornerstone in the future! Thank you, for making what could have been agonizing and stressful in the midst of moving, into something honest, straightforward, and simple!

The Bermejo team proved that they were unable to handle complicated financial situations or keep…read moretheir facts straight... My husband explained our full financial situation up front to John which included the fact that he worked for family, was self employed and that the company was moving to employment of all staff in a month. John told us that those things weren't a problem, our income was sufficient and he could get us preapproved. A couple of weeks after applying, we were told we were preapproved and to go get a contract. We found a house and were ready to make an offer. Our real estate agent asked John for the preapproval letter and was told we weren't preapproved. (???) House #1 lost. After more paperwork and the finalizing of hubby's employment status we got an actual preapproval. We put an offer on another house, were accepted and began the loan process. Just 4 business days before closing Cornerstone informed us they couldn't qualify us due to insufficient income and claimed they didn't know my husband worked for family (???) They also had a problem with the move to employment and a raise my husband had recently received (the raise was also something they had been informed of BEFORE we ever made an offer on a house), saying these thing were too "inconsistent". House #2 lost. Although our situation was admittedly a complicated one, the bottom line is that the Bermejo team didn't package our loan correctly, causing us to loose the second house. They forgot important pieces of info that needed to be explained to underwriting. We were told by a new lender who took over the loan process that not one of the changes in our income, or the fact that my husband worked for family, should have been a problem. It all came down to presentation. Although there were people within this group who were wonderful to work with, overall I cannot recommend them. What a disappointing waste of time and money (the inspection and appraisal) this whole thing was.

Sheryl did a great job making sure I was on track with getting all of the information she needed to…read moremake sure my closing was timely, she worked late at night and on the weekends answering any questions I had and was an overall joy to speak to on the phone. 100% recommend Sheryl!!

From the owner: Tired of getting the run around from mortgage lenders? Are they not explaining the process to your…read moresatisfaction? You deserve better! Call me and I will help to translate mortgage guidelines and help you through the process for your new home loan or refinance loan. Guild Mortgage Company, Equal Housing Lender, Company NMLS 3274. Individual NMLS 273853.

Excellent customer service. Also, when I have questions and need advice they are always willing to…read moresit down and take the time to assist me.

Great service!! Love the bank tellers! Always very happy and positive! They take the time to make…read moresure everything is right. And even went beyond the last time I was in there. I feel more comfortable with them than I ever did with Wells Fargo!!! They got a customer for life!!

Makael is an amazing person to work with! She is incredibly responsive, attentive, and very…read moreprofessional. She kept me updated with the status of my loan daily with emails saying "Attention team Gregg!" You really feel connected and on a team when working with her! Even when old HOA laws get in the way of a deal closing, her team is diligent and will get the deal done and explain every step of the process. These qualities are extremely important when buying in today's competitive house hunting market. Team Makael will forever have my trust!

From the owner: We specialize in navigating loan transactions with patience and integrity, and making this complex…read moreprocess as easy, effective, and fun as possible. (First time buyers love us!) Our team prides ourselves on our FANTASTIC customer service!

HIGHLY RECOMMEND. Working with Jeff Berthiaume was wonderful. We have worked with a lot of brokers…read moreover the years and Jeff is the best of the best. He works out something like 7 different estimates for our initial purchase, and 4 for our refi. Every estimate was worst case scenario in terms of how much money we had to bring to the table to close so we ended up paying less than we expected each time. Jeff is honest, hardworking, responsive, and trustworthy and he has a great support team.

From the owner: Company NMLS # 1170166read more

A couple years ago, I was buying my first house and I asked my real estate agent to recommend a…read moremortgage lender. My real estate agent's partner had recommended Jim in the past, so Jim was the person recommended to me. Jim offered me a mediocre rate, but acknowledged that because they have overhead and local premises, they can't offer rates as good as online mortgage lenders. OK, fine, I can understand that. He then went on to convince me that it was worthwhile having the lender nearby in case of any problems, peace of mind, blah blah blah. So I foolishly decide to go with Commerce Home Mortgage. One of the few good things I can say about working with Jim Bailey and Commerce Home Mortgage is that the process of getting the mortgage was pretty straightforward. It was not a hassle to get the loan at all. Everything's fine for a while, I've got the auto-pay thing set up, I don't even have to think about my mortgage payment, all is well. Then I find out that Commerce Home Mortgage has decided to switch to using BSI Financial for servicing their loans. How do I find out? The automatic withdrawals have stopped and I'm late for a mortgage payment. Quick aside, but if you aren't familiar with BSI Financial, they're probably the worst loan-servicing company in existence. Do a quick Google search for them and you'll see endless one-star ratings at sites like Consumer Affairs and so on. Basically, if anyone starts having you deal with BSI, it's the mortgage world equivalent of being told, "Fuck you." as they spit in your face. So I go through the process of setting up automatic payments with BSI and everything's fine for a couple months until, oh wait, "Your mortgage payment has increased $100/mo." Get online, try to modify my automatic payment for the new amount, everything looks fine. The next month, no automatic payment. Thank God I've been paying attention to my balance ever since Commerce initially screwed me over by switching to BSI. I call BSI and they're like, "Oh, your automatic payments were suspended, we'll get them enabled for you." "But why was it suspended in the first place?", I ask. No response. Ever. The next month, shockingly, there's no withdrawal again. Call BSI up, "Hey, my automatic payment didn't happen AGAIN." "Oh, well, our records show you called in about it and they told you that your automatic payment was suspended, but didn't reset the account." "But...they said they were enabling the automatic payments again." "Well, they didn't." If you want to roll the dice on whether you're going to end up with late mortgage payments because of someone else's incompetence or you enjoy worrying about whether your mortgage got paid every month, then Commerce Home Mortgage may be an acceptable lender for you. If, on the other hand, you want a better rate and competent servicing of your loan, straight up avoid Jim Bailey and Commerce Home Mortgage.

From the owner: As Branch Manager with Commerce Home Mortgage and a residential lending expert, I have been helping…read morehome buyers in Northern Colorado for over 20 years. My specialty is solving problems, and creating raving fan clients and business partners. Whether you are a first time homebuyer or a savvy investor, I strive to provide the absolute highest level of customer service.

No, just don't. They want you to be in great condition for a loan but want to increase interest. I…read morewent to my bank and was approved where they denied me.

This company was great in the beginning when I had to cosign for a loan. The other person was the…read moreprimary and was making the payments up until that person lost their job. I had to take over payments, but I didn't know the due date or the amount owed. I checked their website to find out. It told me that my balance due was a certain amount so I paid that amount. The same thing happened the following month and paid the balance due. Another month later, someone calls saying they can refinance our loan, give $1000 as part the refinancing, and lower the monthly amount due. I agreed to refinance. After submitting the application for the refinance on the loan, things started going downhill. They lied about the $1000 and could only do $100. They tell me it's because payments for the last 2 payments did not go through causing my account to become delinquent and that prompted the call to refinance. This confused me because I had paid the amount due stated online. Apparently, that amount was the amount due for payments toward interest only. It was not disclosed anywhere online the amount due to for the loan itself. They had been attempting autopayments for the loan from the other person's checking account, which were not going through. I had to speak to several different people within their local branch because they would not listen and kept giving me false information. Eventually, I was finally told the truth of what was actually going on. In the refinance, they made me jump through hoops until they made me the primary, gave me a choice of due date, told them I'd like to stick with the previous due date, and then they told me that my next payment would skip a month and then be due on the due date I chose. Fast forward to a week before the month my payment would be due, I checked their website just to check that the amount due was correct along with the due date. The amount due was correct, but not the due date. Apparently, my due date had been set for the 1st of the month. A few days later, I checked the website to see if they fixed the due date, but no, the due date was the same. Not only that, but the amount due changed to a much lower number. I called them to find out what was going on. Apparently, I they lied to me again. They tried to pull funds from the other person's account in the month they said would be skipped over and was unsuccessful. They had my payment info and had explicitly been told to use that info. The amount due that is now posted online is for a fee they would be charging me because the payment hadn't gone through. Nowhere online was the amount due for the loan. You'd think they'd add that fee on top of the amount due for the loan, but no. Due to the payment not going through, I now had to start making payments on the 1st of the month. After giving me some BS and not listening to me, they finally sent me an email containing a document allowing me to resend my payment info and change the due date. DO NOT DO BUSINESS WITH THEM!!! They are nothing but a bunch of liars that deliberately try to get you to default on loans.

Mark was very informative, kind and thorough in explaining all our mortgage options! I was pleased…read morewith his professionalism. I also appreciated that he wore a mask during the pandemic.

Mark and his team are the personification of professionalism! My recent mortgage transaction was…read morebeyond expectation and I couldn't recommend them more. From start to finish, Mark was attentive to our goals, time horizon and budget and he went the extra mile to get me into the best loan for my situation as a small business owner. I'm a customer for life!