I purchased a home in Florida recently with SOL Mortgage and worked with Scott Schultz to get a DSCR loan approved. The whole process was breeze and working with him was a pleasure! Scott ensured the loan approval process constantly progressed forward so we were able to close quickly. I will continue working with Scott on all loans moving forward, I can't express enough how much of a pleasure it was working with him. Any time I had a question he replied back quickly and his knowledge of the loan process was truly impressive. If there is a way to get something done, Scott will figure it out. Thank you from the bottom of my heart for all your help! -Gary read more

Quick, Attentive, Straight Forward Fee: I have worked with Keith and Caitlin team to finance the purchase of our house and a couple refinances with the rate drops over the years. Keith, Caitlin and team at Sol are quick, efficient, helpful throughout the process and have great rates with an easy to understand set fee. I am quick to refer them to friends and family, would use them again and appreciate all of their hard work. read more

I am upgrading my Review by 1 star as I was contacted by this business and this business is working on correcting their Customer Service deficiencies. The business asked what their employee can do better. My response is: The company to always apologize on behalf of the company and the employee. The company to aways ask what the company can do to make it right and implement those changes. Always present consistent good customer service. Always use clear and professional business and home loan language. Be keenly aware and responsive to that in a Seller's market we were in and the market of rising interest rates we were in, timely response from any Loan Officer is crucial to any Home Loan Customer. On this Thanksgiving Day, be even more thankful for those who are on Active Duty who give their today for you to have this today, and our Veterans who gave their yesterdays for you to have this today. Pledge to Leave No Veteran Behind. Always have a Military Veterans Discount to thank those who Serve or who have Served. This business has not stated they will immediately implement a Military Veterans Discount. I have taken the Pledge to Leave No Veteran Behind. When will Sol Mortgage? Active Duty is a rare and precious less than 1% of the population Serving for 100%. Veterans are a rare and precious 7% of the population who Served for 100%. Our Military family, as do 95% of Military Families, refuse to support any business that fails to support Active Duty or Veterans. We do so because with Active Duty succumbing to suicide at the rate of 1 a day, 365 dead a year after year after year, and because of Veterans succumbing to suicide at the rate of 22 a day, 8,000 dead a year, year after year after year after year, clearly the 93% who have Never Served are failing in their Duty to the Honorably Served. Having an Active Duty and Veterans Discount provides our Service Members, Veterans, and their families with the recognition, gratitude, thank you, and support our Service Members and Veterans have earned -and clearly, so desperately need. Along with the fact that the 93% who have Never Served owe the 7% who have Honorably Served, when any business has a Military and Veterans Discount, the impression of that business' brand improves not only with Active Duty and Veterans it also improves with customers who aren't Active Duty or who aren't Veterans. Having an Active Duty and Veterans Discount is clearly an easy and inexpensive way, and a Patriot way, for any business to create a positive impression of the business among people in and outside of the Military Community. Over and over 95% of current and past Military Personnel and their families say that they notice when companies are "Military-Friendly" and that an Active Duty and Veteran Discount is what gives an immediate and positive first impression to any business. That also means 95% of current and past Military Personnel and their families notice when companies are not "Military-Friendly" and when companies don't have an Active Duty and Veteran Discount and that gives an immediate and negative first impression to any business. read more

Keith and Caitlin were great to work with. Out of all the three refi experiences I've had, this was the smoothest and most streamlined. Keith and Caitlin were readily available and responded in less than 24 hours to any questions/concerns I had. Highly recommend their services and would definitely use them again! read more

I have worked with Scott Schultz now twice to refinance two separate properties of mine and I couldn't be happier. I can't help but acknowledge his honesty and I find that he truly cares more about helping someone rather than his own beneficial gain which is why I recommend him to all my friends and family and I personally plan on working with him again in the future. The communication from start to finish was impeccable and he is really in top of every step of the process which takes away all the stress. My family and I very grateful and fortunate thanks to him. read more

Had a great refinance experience with Steve and his team. They are very personable, knowledgeable and professional.

These guys are idiots. I'm paying off my loan and they withdrew a second monthly loan payment from my account - this one unauthorized. Then they doubled my property tax impound account from $6k to $12k - none of which they need since I've paid off the loan! read more

SOL Mortgage was a great recommendation from a friend and I'm glad i listened. Steven was awesome from the beginning in communication. He made sure all the necessary paperwork were in order and continued to follow up through the entire process via emails and also directly through the phone. Steven and team did an amazing job with our refinance; from coordinating the appraisal to the final signing with the notary. Steven and team was readily available to respond to any of my questions. Thanks again Steven and SOL Mortgage. It was really and easy and great experience. read more

As a first time home buyer with very little knowledge of the process, I was connected with Steven Negrete and Debbie Clabber through Redfin. Although we never met in-person (I live in Portland, OR and Steven and Debbie are located in California), I truly felt both Steven and Debbie were by my side every step of the way. Steven and Debbie are remarkably supportive, quick, and attentive to key details that, if not caught in time, could easily derail a process. I had a multitude of questions and often needed to be taken through things step-by-step; Steven and Debbie were fantastic during moments such as these. I feel really, really fortunate that I was able to work with such knowledgeable, caring, quick, efficient and trusting people. I knew they had my back even though we had no personal connection prior to this. I highly recommend Sol Mortgage and Steven and Debbie, in particular. read more

Keith and Debbie are great to work with. From the very beginning Keith was very responsive answering questions about my mortgage refinance. I have used them in the past and would not hesitate to refinance with them again. The process was smooth and the rates are low. It took about a month to fund. We are very happy with Keith and Debbie at Sol Mortgage. read more

Great experience, smooth and easy, great interest rate as well. Highly recommend.

Keith B and Caitlin E always did a good job following-up and following-through to make sure our re-finance went smoothly. They were both very attentive and responsive. read more

I've used Keith twice now for a one purchase and one refinance. When I first found him with Solmortgage a couple years ago for a purchase I was skeptical that his deal was too good to be true. I checked every lender I could and they couldn't believe how good the deal was with Keith. This time I needed to refinance and he was far and away the best deal out there. I looked everywhere I could and picked apart every detail. I've given his contact info to everybody I know that needs a lender and several have used him with the same results. I don't know how he gets such good deals but don't pass them up. Do your own research if you must but I couldn't find anyone cheaper or more reliable. You can thank me later. read more

I wouldn't recommend this lender to anyone. I've done over 10 loans in the past few years and these guys are not transparent all. My loan was approved and got denied for some a C4 condition in the appraisal report. Stay away. read more

Keith and Fern at Sol Mortgage made my refinance process so easy. I was attracted by a great rate and the rest of the process was made easy and understandable by Keith. I did not feel pressured even when I informed Keith I was cross shopping with other lenders. I highly recommend Keith, Fern, and their team! read more

Exceptional & Stella customer service. It's my second time re-financing my loan with Keith Barney & Debbie Clabber. Sol Mortgage makes it so easy to upload all the documents and sign online. Hassle free. Only face to face contact I had was only at the end with the Notary Public. My loan was funded within 2-3 weeks. It was a great experience. Thank you!! read more

Just completed my second refi with Keith B in the last six months. Both without problems. Highly recommended.

I couldn't have asked for better service than I received from Keith Barney and SOL mortgage for my most recent refinance. Over the course of the 20 years in my house, I have no refinanced 7 times but his one was the least painful, best rate and saved me the most money...with reasonable fees. I was referred to Keith from a friend who had done a refinance a few years prior and within a day we had already begun my process. All this while he was in California and I was in Virginia! If you are thinking about refinancing, you cant go wrong with these guys and especially Keith. A very satisfied customer. read more

Getting a mortgage through Sol was a simply awful experience. They were disorganized and on multiple occasions I had better records of what was going on than they did. At one point they doubled the down payment requirement, then later told me it was just a misunderstanding, which allowed me to experience the emotional roller coaster of having my dream home, not having it, then having it again. The only reason I am giving them 2 rather than 1 star is that they did ultimately come through and get my loan taken care of under some moderately unique circumstances. I would say that if they have the best rate; you keep meticulous records of your finances; you are willing to keep on top of them through the entire process; and you have no medical conditions that are exasperated by rage, then by all means go for it. However, if you want someone to just take care of things for you and make things go easily, then I would find someone else. read more

Of all the lenders and brokers that I've contacted, Keith at Sol Mortgage was the only one that came as close as possible to the exact terms of the refinance that I was looking for. Keith and Jen made the entire process easy, my questions were answered in a timely manner, I was updated accordingly as my loan was being processed, and the whole thing was completed in no time. The vast majority of the process was done online, and of course there's the actual signing of the loan docs themselves. But even that process was made convenient because the notary was able to meet me at a time and place of my choosing. I plan on refinancing in a few years, and rest assured that I'll be giving Keith at Sol Mortgage a call! read more

Everything went perfectly well. The team at SOL mortgage will handle everything efficiently and communicate all your options clearly. We highly recommend! read more

I would absolutely not recommend this company. We went through them to do a refinance for our home. We got everything in immediately and they took so long to do their job that we lost our rate which was locked in for 30 days. Not only this, but they added charges and points when that was never discussed and just sent over docs to be signed without a word. We would email them asking for clarification or for the status of the refinance and they would often take 4 or 5 days to respond. Absolutely unacceptable, especially when dealing with a deadline. When they lost our rate they again didn't even communicate it and just sent us paperwork to sign with significantly different numbers than what was originally discussed. An absolute scam! They took zero responsibility for losing our rate and we did not get to refinance because of their inability to do their job. read more

Applied for loan request through Bankrate; from the start to finish it has been a fast and smooth process with Israel Chavez as my loan agent with Sol Mortgage. We closed the loan in less than expected time.Israel was very responsive in answering questions through email or phone and was always ready to go the extra mile and that made the difference. The rates and lender fees quoted by Sol Mortgage in LE was close to the final disclosure documents. I would highly recommend Israel Chavez and Sol Mortgage to my friends and relatives. Keep up the great service and rates! read more

Did not have a smooth process. They requested entirely too much documentation and after insisting that I participate in 3rd party verification of a loan on a investment property, they "couldn't find the 3rd party verification" There gimmick is they drag out the process so that you won't be able to close on time and they rack of the fees. read more

There is nothing fun with refinancing a home but Kelly and Fern did a great job. Everything upfront from the very beginning. They do most of the hard work for you. read more

Sol did a great job from start to finish closing my loan within 2 weeks. They contacted me immediately from a Bankrate inquiry and the process went smooth from there. They were readily available by email, phone, and text the whole time. read more

I do not normally write reviews but I will in this case. I have done about 7 purchases or re-fi's in the past 10 years. This was easily the best experience I've had. Keith was excellent to work with. He was super responsive, transparent on the fees, took time to answer any questions I had, and he stayed on top of things. And best of all the rates and fees were easily the best I received. There were no surprises at the end and the overall process was very smooth. Keith is my new goto guy if I need a new loan in the future and I will definitely be recommending him and SOL Mortgage to anyone I know. read more

Keith and Fern were very helpful and expedient in getting my refinance completed. Start to finish in only 23 days! Being a busy person during business hours, I was even able to do almost all communication through email. read more

We refinanced our loan with Keith and Debbie and had a wonderful experience working with their team from start to finish. The communication was fast, process was very smooth and the rate was competitive. Everything went as planned without any surprises. We are very happy with their teamwork and would definitely work with them again. Thank you Keith and Debbie for great service! read more

Keith and Fern were absolutely amazing. I would recommend anyone looking for a refi or purchase to call them. The process was easy and they always communicated every detail. read more

SOL Mortgage and Mike Schmidt are great to work with. Used to buy a house in VA and their process, not to mention their basically no-fee application process (except for the required appraisal), was as straight-forward as you will ever encounter during home buying. Mike was super professional and quick to respond to inquiries. He dealt with the seller's agent during the appraisal process and gave us a ton of options for getting the best financing that we could get. They have a nice online system for uploading documentation as well. Their rates were very competitive, in fact almost a qtr less than Bank of America and Wells Fargo. I would definitely recommend them, especially if you are a first-time buyer and feeling overwhelmed with the process and paperwork required. In reality the only documentation needed were a couple of paystubs, a couple of bank statements and couple of tax returns. I think the only other item was home owners insurance for the new (and in our case existing properties). read more

This is my 2nd time refinancing my home but the first time with SOL Mortgage. I knew I wanted to refinance but was dreading it because of the horrible experience I had the 1st time I refinanced. When I met Keith I and was so excited to work with him during the process. He was so helpful and to the point and did not pressure us at all. The process was so easy that I thought this cant be right! Everything was done via online and through e-mail/phone calls. Debbie was also easy to work with in getting any other documents that were needed. I am so happy with our new loan and have already referred Keith and his team to co-workers and friends. I will use Keith again for any future mortgage loans. read more

Keith Barney and Fern Guardado worked with me on my recent home purchase. They were very responsive and quickly got us up and running with a pre-approval. They helped us through two escrow processes the first of which fell through and on the second Keith and Fern helped us close on an accelerated timeline. I would highly recommend Keith, Fern and the team and Sol Mortgage to other prospective home buyers. Thanks for everything! read more

Great service and quick closing. that is what I was looking for. Absolutely would recommend them again. Israel was great to work with.

Keith and Jen were amazing to work with! Keith really stood out by helping me get a rate lock while I was in the process of selling another house and getting my paperwork together, which saved me a bunch because rates rose a ton in the following week that the other house took to close escrow. Jen was very quick and responsive whenever I had a question about paperwork. The best part: Despite me spending the first week or two scrounging for paperwork and waiting for the other house to sell, they still managed to close in 3 1/2 weeks! read more

From the time the first contact was made to the time the loan was funded, it was only 21 days!!! Fast, reliable service is what you get when you go with Sol Mortgage. Our loan officer, Israel Chavez was knowledgeable. He heard our needs and met it to the T. He was a pleasure to work with - returned our calls and replied to our e-mails in a rapid fashion. I highly recommend Israel Chavez and Sol Mortage if you are shopping around. read more

This is a review based on our just beginning journey with SOL. We are getting a VA jumbo loan through SOL. We began our journey with SOL just a few days ago when I saw an amazing through Bankrate.com. We called them up, initially left a message on a Sunday. I hadn't heard back, so I dialed them again on Monday. I spoke to Israel who gave me an over the phone quote matching that of Bankrates. He emailed me the preliminary rate and the link to their online application. We filled it out on Tuesday night. Since we hadn't heard back, I called Israel on Thursday. He informed me that they did receive our application but were a bit swamped. He informed me that my loan officer would be Keith Barney, and to expect contact from him by end of day. Well Keith did call me back, and got the remaining information he needed. By Friday, we were awaiting the escrow company to send over the fees so that we could lock in our rate. Chicago Title Company was apparently very swamped and by 2pm had still not sent over the information. Keith worked on getting the rate locked without the escrow fees since it was out of our control that Chicago hadn't sent the information. By 3pm on Friday we we're locked in thanks to Keith advocating for our special circumstance. We are extremely happy as our rate is 4.125% and as of this morning I cannot find anything anywhere lower than 4.5% for a VA jumbo loan. TO BE CONTINUED... read more

Keith was great to work with in getting my loan refinanced. Communication was great. The online process was easy as well. I would recommend SOL mortgage and Keith Barney to anyone looking for loan options. read more

I do NOT recommend this loan processor. I would give them zero stars if that were possible. I'm 69 years old, and I've had several mortgages, but this one was the most frustrating of all. It took almost 2 months from start to finish. I was lured in at first by the promise of low processing costs. I was told I would not need an appraisal because I was only borrowing 25% of the house value. Then I was told I DID need an appraisal for $600. Then the price was raised to $750. The person handling the paperwork admitted she forgot to order an appraisal, and then they pressured me to hurry up and schedule the appraisal because they forgot to order it. I was lied to and deceived on several occasions. I asked my agent to have his manager call me 3 or 4 times to no avail. Finally the manager sent me an email saying he was too busy to talk to me. The closing papers were wrong twice and the closing had to be rescheduled. The closing office was very frustrated with them also. Do NOT use this loan processor. read more