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    Phil Gerstner - Lighthouse Financial Enterprises, Inc. - Best Mortgage Lender Salem, OR

    Phil Gerstner - Lighthouse Financial Enterprises, Inc.

    (5 reviews)

    The only reason I gave a rating of "five" is because there isn't an option to give SIX!…read more My wife and I have had a lot of experience over the last 23 years buying and selling properties. We had been watching property in a very specific part of town for nearly two years. As our country's financial outlook began to turn gloomy, we decided we'd better pull the trigger quickly before rates went to the moon. A friend we trust recommended Phil Gerstner at Lighthouse Home Loans. We reached out to Phil and the rest is history. Understand, we've bought and sold more than a dozen properties in a couple of decades and we have NEVER had such an OUTSTANDING experience as we did with Phil and his team. We thought for certain we'd waited too long and would pay the price through high rates. Phil shopped our loan HARD and found us several options to choose from that made sense and were manageable for us. Phil took the time to teach us about the process, broke each option down into steps that helped us understand potential outcomes BEFORE we made a decision. We have NEVER had a broker take the time and spend the energy doing this before and we have come to VALUE Phil's thoughtful input. I CANNOT RECOMMEND PHIL AND LIGHTHOUSE LOANS STRONGLY ENOUGH. You will be doing yourself, your family, and your future a huge disservice if you don't at least have a conversation with him, talk about your plans, dreams, and options. Thanks Phil and Lighthouse! We LOVE our new home.

    Phil was knowledgeable, responsive and extremely helpful in making sure we had a good experience as…read morefirst time home buyers. He made every effort to get us the best deal and was constantly giving us good news. I really liked working with Phil and Lighthouse Home Loans. I would HIGHLY recommend them to anyone.

    OCCU

    OCCU

    (21 reviews)

    So I'm reading the reviews on this place and if you read them all, the one star'd submissions are…read moreall frustrated individuals that seem to forget that EVERY financial institution has hiccups like this. I've had Chase, BOFA, KeyBank, ALL of them work like this. Just because you're disgruntled because you can't reach a body fast enough by phone does not warrant a 1 star review. Let me tell you about my experience(s) there thus far. I've had them for about a year. My credit card was hacked once [online purchase] and they caught it immediately. Every single time I go in there I am greeted immediately. Every service I've ever needed was taken care of promptly, from new cards, to coin counting, to ordering checks. I have the mobile app which I pay bills from, there is NEVER an issue they don't handle immediately. And let me tell you what happened just this morning. Thank you LISA FROM THE WIRE TRANSFER DEPARTMENT. I completed the wire for something that should have been paid for YESTERDAY. And while the payment was not late, it was a matter of confirming with my seller that the payment was made for shipping purposes. So I called the 800 customer service number, I hit 4..then I hit 3. And I was connected immediately. I didn't have to wait, I wasn't 10th in line, and it's already 9:40am on a Tuesday..if that tells you anything. So I explained to the young man what it was I did, and how I did it. He confirmed the payment would not go out until TOMORROW. *ALL* financial institutions work their wire departments differently. OCCU likes to LOOK at each one they just don't send them out [thank you fraud department measures!] but when I explained why and what it was, he asked if he could put me on hold. When he came back he said LISA in the wire department would pull mine and process it AND send me an email today of when it was completed. IF THAT ISN'T SERVICE AND KINDNESS I DONT KNOW WHAT IS. I asked if I could send them cookies or pizza as a thank you and he said "just pay it forward and make someone else smile we're glad we could assist you with your transaction that's why we are here". WHEN do you ever hear something like that from a customer service representative any more? KUDOS to them. Post pandemic people have no patience any more. BUT remember please-the reason you USE THEM is because they provide the human touch service large banks do not. WELL DONE OCCU! and many thanks.

    Place is a joke. My loan is setup for automatic payments, that they don't take out. And goodluck…read moregetting ahold of someone. Good ol liberal Oregonians screwing it to the working man. What a joke. Been on hold for 18 minutes, still no rep on the phone. So I must not be the only one with issues. SMH Spent 35 minutes on hold, finally clicked for a call back. Lady calls back and is useless. I made a payment Saturday since they can't do the simplest of tasks. Came out of my account today, she goes I see nothing. I wouldn't trust them to watch a stuffed animal, yet alone be a financial institution. She can't tell me why 1/2 payment was taken last month, can't explain to me why I can't make additional payments and apply it to prinicipal. I have to wait for a call back after creating a ticket. Talk about a waste of time. Will be contacting the appropriate channels to get this sham of a company some sort of discipline. As they seem to think they can or can't do what they're supposed to do. AVOID THIS POS COMPANY AT ALL COSTS

    Sierra Hall - mortgagelenders - Updated May 2026

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