We recently became homeowners this past Christmas and it was all due to Rock Mortgage!!! Billy Evans and Sael Torres are what you may call miracle workers! We started the shopping process back in July of 2019 and were referred to Rock Mortgage by a family member who had recently also used them to purchase her home back in 2018. She could not or would not stop urging me give them a shot, and boy was she right! We shopped around with big banks and other mortgage companies but found that no one was offering any competitive rates for someone who has mid 600s credit score.  When I spoke to Billy for the very first time, he struck me as a genuinely honest and straightforward man given that he sat with me and explained multiple scenarios, obstacles, and solutions for our dream of owning a home to come true. After working closely with Billy, he advised me to hold off on buying until my credit score could reach the next tier and provided some pointers on how to accomplish this. For three months my wife and I worked  on our credit scores, and through the entire time Sael would follow up with us to make sure everything was still going okay and if there was any questions we may have had, he took time out of his day to ensure that we got the most correct and accurate data available. (We were not even officially clients with them.... Name someone else that would do this, I will wait!) After our credit was up to par and I had found the property we were interested in, I was ready to lock on anything that they would've put in front of my face. However, the Rock Mortgage team is filled with integrity all throughout their ranks, Billy gave me options and rates to review when I asked but also very strongly advised on locking that day would be a costly mistake for us. He accurately predicted that there would be a drop in rates the following week, our best option the prior week was a 4.750% and we locked the next week as instructed and we closed at 3.625%. Sael Torres at this point took over the loan entirely, immediately we knew that we were in good hands as he made himself available weekdays/nights and weekends to us regarding any questions and concerns. Sael's level of professionalism and customer service is one to be in awe of, never have I encountered such a reasonable and knowledgeable individual in any other industry mortgage-wise or not. It is my opinion that Sael Torres has set a standard of service that cannot be rivaled by anyone. By all means, please take into account that we did not have an easy loan application as I had recently switched from W2 employment to Self-Employed income and countless other obstacles that made our loan an underwriter's wet dream. That being said, no part of this process ever seemed difficult or stressful by any means. It was not until we were at the closing table going over the closing disclosures that we realized the amount of work that Sael and Billy had put into our loan was overwhelming and truthfully I still cannot fully express my gratitude and praises for Rock Mortgage, Billy Evans, and Sael Torres. I hope that this review can be a start to repaying Rock Mortgage for exceptional service they provided us on the most important purchase of our lives!  I am now a true believer and I intend to spread the good word that Rock Mortgage should be your first and last stop when it comes to mortgage and refinance loan! read more

After a year of moving to Houston and we selected our dream home and started the look-out for a mortgage expert. The shopping wasn't fun - As we started our first application process with a national bank, after 6 weeks the experience was horrendous. We totally lost our hope on this house and almost at a point of losing this property. My realtor Chris Bowers referred to Mike Ogg from Rock Mortgage, local to Houston. Chris said just a short statement about Mike "Give him a call and I promise you won't regret". I still remember, it was one of the best decisions that I had ever made calling Mike and introduced being the situation on hand. Right from that day and till current day, I failed to see an "indifferent" Mike - the same utmost care attitude, focused on tasks, professionalism, friendly and especially being brutally "honest" with you regardless of bad/ugly/normal your application content may be. He never gave up in my case, which was very challenging to bring all compliance rules together meeting the underwriter approving pre-conditions. I was nervous about working with someone based on past experiences, but Mike was honest with us, informative, and allowed us to ask the most minute questions, and he answered them where I could understand. I trust what he tells me, and always brings the excitement buying the house. Besides, I also had the pleasure of working his team, Orlando and Joseph, a very helpful and pleasant group of people to speak with. Mike kept the ball rolling and the process was completed in the time frame promised. There were absolutely no surprises at settlement. Mike has a thorough and comprehensive knowledge of the finance and mortgage industry. I found him to always be current on all the newest product offerings, procedures and laws associated with the industry. I would describe him as professional, knowledgeable, reliable, pleasant to deal with, and most of all totally devoted to providing the highest level of customer support/service. Mike - You have made an impossible to a pristine destination closing our lovely home in Houston, TX. Thank you and GOD Bless you!! read more

THANK YOU, THANK YOU & THANK YOU! I NEED to thank you TOM & Samantha- at ROCK so much. I was about to make a 30-year blunder with my current lender (A Major Bank). I promised my wife years ago, that we would do the classic Kitchen and Master Bath update. So, I was all set to do a cash out Re-Fi and they assured me that they really wanted to keep my business and offered me a substantial reduction, in my rates, to keep my business. My neighbor is in a marketing club that meets with some regularity and he said before you sign; you should call Tom McGinnis of a mortgage company who is a member with him. My neighbor said that he is a straight shooter and just a good guy in general. Literally this is two days before we were going to close. I had done all the DocuSign's (with banker) and we had an address and time set for the deal. I took his advice, just to quite my conscience. I can't tell you how glad I made that contact. I called Tom and he asked a few preliminary questions, which I was fairly familiar with because we had already done the formal appraisal and survey on file all the Ts were crossed and Is were dotted. The only thing left was to close. Tom said let me check some things out and see what I can do for you. He called back in a couple hours and offered me a rate that was literally 1/2 point lower than my banker and with no points at closing! I asked him, "Are you sure?" and he said, "If your data is correct; We can do this?" He also mentioned, that most everything was still current and within time limits needed by the lender; so, we could get this done quickly. And we did. Both Tom and Samantha were very professional and especially prompt. If I called or emailed, they responded quickly. I was and am still impressed with the efficiency of the entire process. THANK YOU! Oh, did I mention that I was going to have to write a check (essentially) for $1,900 for points at my banker's closing and left5 my checkbook in my pocket withy no points with Rock!!! You guys do rock. read more

Purchasing our first new house was an exhilarating yet daunting journey, but having Jamie Ayala from Rock Mortgage and Bao Ly from Camelot Realty by our side transformed it into a seamless and positive experience. From the outset, Jamie's expertise in navigating the complex mortgage process was evident. He was not only knowledgeable but also incredibly patient, ensuring we understood every step and felt comfortable with the decisions we were making. His responsiveness and dedication made us feel valued and supported throughout. Bao Ly's contribution to our journey was equally impressive. Her deep understanding of the real estate market and her keen eye for detail helped us find our dream home. Bao was more than just a realtor; she was a trusted advisor who listened to our needs and went above and beyond to meet them. Her negotiation skills were top-notch, ensuring we got the best deal possible. Her professionalism and warmth made every interaction a pleasure. The synergy between Jamie and Bao made our house-buying process not just successful, but also enjoyable. Their combined efforts ensured that all aspects of the buying process were covered meticulously, from securing the best mortgage rates to finding the perfect home and closing the deal smoothly. We are grateful to have had such a fantastic team guiding us through this significant milestone. Their expertise, dedication, and genuine care made all the difference. We highly recommend Jamie Ayala from Rock Mortgage and Bao Ly from Camelot Realty to anyone embarking on the journey of buying a new home. They are not just professionals at the top of their game but also incredible individuals who truly want the best for their clients. read more

The only mortgage lender worth your business!!! Intelligent, efficient, and trustworthy are only a few ways I would describe the type of service that Rock Mortgage provided me during my home purchase this December. Because of a tough situation I was in, I needed to close on a home on an extremely rushed timeline. Rock was there every step of the way to facilitate my purchase. Names to remember Billy Evans, Orlando Rivera, Joseph Le, and Michael Ogg. These guys worked their behinds off to provide me with all my financial options for any property that I was interested in and answered every single question no matter how basic or complex it may have been. Most of my contact with Rock was with Orlando and Billy who were assigned to my loan from the get go and the impression they left on me was one of professionalism and ethical excellence. It was nice knowing that I'd have access to the boss men, Joseph and Michael, if anything came up that maybe Billy and Orlando couldn't help with, however I never once found that to be true. Billy and Orlando are mortgage wizzes, the array of options that were presented were always clear direct and to the point leaving me with no doubt that I was in good hands with these guys. You can tell that they are passionate about getting you the right loan for you and your needs. If you are in the market for a mortgage, no matter how small or big, these are the guys that you want working for you. They've got my business for life, from refinancing or any other future purchases. Don't waste your time or money anywhere else, Rock Mortgage is the answer! read more

My husband and I had such a smooth first home purchase because of the help we received from Sael at Rock Mortgage. We are new to the Houston area and wanted a local Mortgage Lender to help us find our dream home. After reading the many 5-star reviews on Rock Mortgage we knew that they would be perfect for us We inquired online and got a response almost instantly from Sael with all the information that would be needed for pre approval. From the moment we first spoke to him we knew we scored. He was knowledgeable and very accommodating to our schedule and timeline. Any questions we had he always knew the answer and had our best interest in mind with selecting the best loan option for us. As this was our first home, we didn't really know the ins and outs of purchasing a home and we relied on Sael a lot throughout the process. From the pre approval, to finding a real estate agent, and then to finally purchasing a home Sael assisted throughout it all. Once our offer was accepted on our dream home, we had the pleasure of working with Edmundo. He was always quick to reply and we had no hiccups with the final paperwork. Due to Sael, Edmundo, and Rock Mortgage we were even able to close on our home in under two weeks. Also, the night before closing the sellers had an issue with the paperwork and our deal was almost canceled, however, due to the relentlessness and hard work of Sael we were back on track before noon the next day to finalize the closing. I would recommend Sael and Rock Mortgage to everyone I know because they truly have your best interests in mind. read more

A few months ago, I started looking into purchasing a home in Houston, and was recommended to Eduardo Edame at Rock Mortgage by a good friend. Eduardo immediately took the time to explain all of my options and shared some of the many, many stories he has amassed over the numerous years he has been in the industry. His expertise and specific knowledge of all types of loans was apparent and very impressive. As a first-time home buyer, I had many questions throughout the entire process, which Eduardo and his team answered promptly and thoroughly. Eduardo was able to collect and process my information to provide me with a pre-approval quickly, which was extremely helpful, as I was looking to buy in relatively short order. He was also able to lock down a great interest rate for me, and kept my best interest at the forefront throughout. In addition to being a first-time home buyer, the home I purchased was also handled through a relocation company that had its own intricacies, which Eduardo and his team navigated effortlessly. Everyone at Rock Mortgage was fantastic to work with, and made me feel so comfortable. I would absolutely recommend Eduardo and the Rock Mortgage team to anyone looking to purchase a home, who is interested in working with trustworthy and hard-working people who can get them to the finish line. I could not be more grateful to Eduardo and his team for getting me into my new home that is the perfect fit for me! THANK YOU! read more

Terrible company to do business with. Made application to refi because I have a variable and wanted to get a fixed before rates get crazy high. I've talked to at least 5 different reps. Each time it's like ground hog day - No inter-communication. Continually requesting info and documents they've previously received. Some of which have nothing to do with the property they will secure interest in. I have a rate lock but feel very confident they are doing everything they can so that window will pass and I'll get hit with a higher int. rate. Have several properties and wanted to refi the one I will make my primary residence but since I'm not currently living in the home they said they will determine if they can do the refi for an investment property but it will be a higher int. rate. Kind of reaffirms my int. rate suspicion. Also makes me wonder why they didn't get that resolved first since it seems an impassible hurdle for them. What a waste of time this has been and all for nothing. There are many far more professional and extremely efficient loan servicing companies to do business with. I have closed mortgages in less time than I have currently been dealing with these very unprofessional folks. The good part is I already have a loan with a much lower int. rate than they were offering. The bad part is who knows what the int. rate will be when mine will get adjusted in a couple years?? Not a company to do a refi with!! read more

Eduardo Adame, Jamie Ayala and Rachid Rezzik from Rock Mortgage in Houston are the real deal and I would definitely recommend working with them to secure a mortgage loan for a house purchase. As a newcomer to the United States, I had a low credit rating and was largely ignorant to the house buying process. The team at Rock Mortgage provided excellent insights from start to finish and guided me through the process every step of the way. They even pointed out the error of my ways and helped to materially improve my credit rating - especially important during the current market of rising rates! Aside from the fantastic customer support and close teamwork, Rock Mortgage also provide the most competitive rates and were flexible to tailor their offering to my changing needs. The underwriting part of loan application process is definitely the most arduous, however, Rachid, handled this part of the process with true professionalism by clearing explaining what data was required and managed to make it as painless as possible. Once again, I would like to thank Eduardo and his team for their solid efforts and I remain a very satisfied customer of Rock Mortgage. I will definitely recommend them to friends and colleagues considering the process of buying a home and seeking mortgage support. read more

I'm glad we contacted Eduardo for our refinance cash out. There is so much confidential information that has to be sent to get the necessary approvals - I'm glad I went with someone who came highly recommended and trustworthy. I really don't know how people can just send all this confidential information to some unknown entity on the internet. This is literally your entire financial life that is up for scrutiny and you want someone like Eduardo on your side. Being self-employed has its own set of challenges of getting approved - but Eduardo and his team @ Rock Mortgage - Orlando and Joseph did everything so professionally. If there was something unusual about a document request, they would call and explain the request before sending the email. Along the way, we also learned valuable financial tips for keeping our credit score high - for example - do not use more than 19% of the total credit limit even if you pay your bill in full every month and how that affects your score dramatically. Periodic emails with his trademark "More Good News to Follow..." comment at the end - were always a pleasure to receive. I wish all service companies were this professional and caring about their clients. Our highest recommendations to them. Thank you!! read more

I recently represented Buyers in the purchase of their first home in Sugarland that were on a very tight timeline to close the property before year's end. Eduardo Adame of Rock Mortgage was absolutely amazing to work with on this transaction. He was professional, courteous, responsive, informative, trustworthy and made it happen! My clients were so pleased throughout the entire process and were beaming with pride at their closing, due in large part to Eduardo. From very detailed emails with instructions on exactly what was needed to the handling of the confidential information that was involved in the transaction, Eduardo made the Buyers feel secure and confident in his ability to handle anything that arose. He was also present at closing to answer any questions or hiccups that might have come up, something you don't see very often anymore. As a Realtor, it is imperative that my Clients are happy and experience a timely, efficient and smooth experience in their home purchase. Eduardo did not disappoint! I am so pleased that he was part of the "dream team" as they affectionately referred to us at the end of the meeting. I look very forward to working with him and Rock Mortgage again and again. read more

Rock Mortgage helped us finalize the deal on our first home, and made it seem like we hardly lifted a finger! Mike Ogg was our broker, but his entire team was phenomenal, with a special emphasis on Jamie Ayala! He was the "superstar" shuffling paperwork back and forth, getting all the ducks lined up and perfectly aligned in a little row. We had been working with another (very respected, and perfectly fine) mortgage company, and just decided to reach out, on a whim, to Rock after getting some confusing information, and feeling like I wasn't being notified of how the process was coming along. We were getting inside our 30 day closing, and still having to remind the other company we were doing a VA loan. It seemed like that part was getting lost in conversation each time. After a referral, we reached out to Rock Mortgage, and they had our information in and finalized STILL within that 30 day closing period - and with a better loan rate! We don't have much to reference on since this was our first home-loan experience, but hands-down, the Rock Mortgage team made this process seem easy, and even a bit enjoyable. So happy to have worked with them on our first experience. Totally spoiled now!!! read more

There are no words to describe how happy we are with the World Class Customer Service received from Rock Mortgage. Although Rock Mortgage has tons of clients and is expanding the company to other states--They somehow make you feel like you are their only client. I simply do not know how they do it.  Eduardo Adame and the entire Rock Mortgage team are honest, reliable, and good-hearted people. There are no false promises with them. Eduardo and his team go above and beyond to achieve what is needed. He is not just a mortgage broker; he is everything else, kind, concerned, committed, and trustworthy. He will cheer you up every time you feel down and get the job done! This is our second mortgage (2007 & 2022) with him. Each time we had unique situations when we reached out to him. Both responses were the same "Send me everything you got and I will review it and let you know what my team and I can do." Without him and his dynasty of dedicated team members, we wouldn't have been able to get our new mortgage and our dream home. Eduardo's company name, "Rock" Mortgage, fits him and his team well. They are Solid and Steady! ~The Owens Family. read more

I recently bought my first property with the help of Billy Evans and Josie Lozano from Rock Mortgage, and it's been a phenomenal experience! Buying a house can be stressful and complicated especially considering that I was trying to close before the end of the year and that we were on a tight schedule. Not only did Billy give me a pre-approval letter quickly, offer me the best rate and fees compared to quotes I received from banks and a credit union, he was also extremely accessible, professional and knowledgeable. Billy and Josie set out a plan with a specific timeline from the beginning and were very transparent and communicative throughout the process. I had some urgent questions during Thanksgiving, and Billy went out of his way to make sure my questions were addressed immediately. Billy and Josie were always so knowledgeable and patient to explain everything and answer every question I had. I cannot imagine how stressful this process could have been without their help. Through their effort and great work, I was able to close on my first house in 2017, but it won't be the last deal I do with Rock Mortgage! read more

I cant say enough amazing things about the incredible experience I had with Rock Mortgage and especially with Eduardo! He was incredible, he worked day and night, he was available 7 days a week and he helped us get into our dream home that we never thought would happen and he is personally responsible for changing my life and making it so I went from 1.45 hr commute everyday to an 8 min commute. Not only was he and his team at Rock Mortgage a pleasure to deal with, Eduardo was an absolute class act and treated my entire family with gratitude, kindness, respect and made us feel like we were friends for years and I hope that we will be. Even after closing on our new home in August, I still reach out to Eduardo for advice and information and I have every intention of using him again any chance I can and recommending him with the highest possible score to anyone I know looking for a new mortgage. I am not someone who generally writes reviews, but this over the top service provided genuinely deserves a fantastic review. My whole family thanks you for everything! read more

There are few words in the dictionary that can do justice to the kind of exceptional service we received from Eduardo Adame and his team at Rock Mortgage. As first time home buyers we were very nervous and concerned about all the horror stories we'd heard from other home buyers from their personal experiences with other companies. Eduardo was very professional, patient, knowledgeable, and helpful to us, every step of the way. His team worked very well with our realtors, at the Corzo Group. He walked us through the entire process, and informed of us all the details and steps as we went along. And, he explained everything to us in easy to understand language. As first time home buyers, it was such a blessing to be on the Rock Mortgage team, and as I understand it, we closed in record time, with no kickbacks!!! We look forward to a continuing relationship with Eduardo and the Rock team for all our mortgage needs and WHOLEHEARTEDLY recommend them to anyone looking for a blessed, STRESS FREE, and AWESOME home buying experience!! The Harris Family read more

Eduardo and his team at Rock Mortgage handled my home purchase last year, as well as my refinance this year, and I couldn't have been happier with the level of service and professionalism that I received. From the start, Eduardo cut-through all of the difficult jargon and let me know how all of the financing terms affected our bottom-line. Since this was our first home purchase we were a bit overwhelmed at the start, but by the time we reached closing we knew we were in the right hands. The Rock Mortgage team was extremely responsive with all of our questions, came to the closing, and continued to monitor interest rates for us this year until it made sense for us to refinance our home. I have several colleagues that have used Rock Mortgage, as well, and we all share the same opinion that Eduardo and his team are the best in town. We have a few friends looking to purchase a home in 2021 and I will 100% recommend Rock Mortgage to them. Very happy with our home and will certainly do business with Eduardo again in the future! read more

Eduardo and Sael did an outstanding work with my Loan; I was treated as a person and not another number as most large Loan and Banks treats everybody. Eduardo was able to respond with a high quality and supreme customer service to all my needs. In the same way, he explained all my questions with patience and extensive knowledge. He did make sure all the steps were done on time in order to achieve the approval and processing of my Loan. His team and him went far ahead to make the things happened even during the difficult times due the environment in the economy. They worked on weekends and late nights to make sure every single detail was accomplished. Eduardo's team got me a really low interest rate, even when I compared with Top Banks. It was a pleasure to work with Rock Mortgage and I can recommend Rock mortgage as a most go company to do business, not only because they were very diligent, also they were able to anticipate any possible scenario with the top level of experience. Thank you Guys!!! read more

Rock Mortgage totally rocks! Closing a house can really be stressful but with Eduardo Adame, Orlando and their team, our journey in getting our new home went smoothly! They really helped us a lot in getting all the required documents done on time! I like how they keep on following up with us to complete our documents which keeps us into our foot and kept us going. No Time to Waste! Rock Mortgage and Eduardo's team did it flawlessly! Me and my family we're almost to losing hope and was really stressed but they kept our hopes up have us what we have to do to get the house. They are also great in communicating! Everyday we have good communication in what else are needed to be done. Again, they don't waste time and that is AMAZING! If you need help in getting a house, I recommend Eduardo & Adame and Orlando Rivera of Rock Mortgage, because of them we are now staying in our beautiful dream home and actually writing this review while I'm in my new room. You guys ROCK! read more