Micah at Zfg mortgage had great communication with us through the entire process. He was also very…read morefriendly. Through Micah and Zfg mortgage we applied for multiple grants and programs for first time homebuyer assistance and were turned down the first time. Micah then informed us we didn't qualify for one but we qualified for another. We were told we could be expecting a 7k assistance toward our down payment and closing costs. We checked in a couple more times in the weeks leading up because that assistance wasn't showing up on any of the documents they sent and he assured us every time that we'd have it for closing. The day before closing Micah called us stating we didn't qualify for the first time home buyers grant and gave no explanation for why we couldn't utilize that program. We could afford to proceed with the purchase of the house but if we weren't fortunate to be able to, we would have lost a lot of time, money, and ultimately wouldn't have been able to purchase a house at all. Micah is a nice guy but seems under trained or incompetent with first time home buyers.

My experience with Micah was fantastic and I couldn't be happier as a first time homebuyer. Micah…read morewas thorough and answered every question I had quickly and clearly, and made sure I was fully updated at every step of our process. I would absolutely recommend ZFG and Micah to anyone looking for a mortgage in the Tulsa area.

Sam Fowler at Supreme Lending is who we chose to go through to get approved for our first home. We…read moreare so glad we did!! Looking back, I wouldn't have wanted to go with any other. He was super thorough every step of the way. Even helping us in our journey to prepare in advanced for applying and getting all our ducks in a row. He knows his stuff maybe more than anyone I know! He was faithful to educate us as needed throughout the whole process - we learned so much! As first time home buyers, we needed someone to "hold our hand" through the process and he did just that. We got approved for more than we expected and thanks to Sam, we are now living in a home that checks almost everything on our dream list! Which is a far cry from the paycheck to paycheck and fair credit state we were in not too long ago. While we were in our application and home buying process, Sam received multiple high honors in his field - further confirmation we made the right choice. We cannot recommend him enough! ++5 stars!!

David is very knowledgeable and professional. He also has a good support team. Everyone in the…read moreoffice was friendly and quick to reply with emails. We had a great experience using them. If you are ever there, don't forget to ask for a cappuccino-its as good as the coffee shops make.

Gateway Mortgage is our current loan servicer for our Texas Veterans Land Board Loan, administered…read morethrough the VA. Gateway Mortgage bought our loan from Academy Mortgage Corporation almost immediately after we closed. At the time we closed, Academy mortgage had falsified our closing documents to make it seem we had purchased a hazard insurance policy along with our homeowners policy. We had not nor had we ever been asked to and didn't have it. Academy Mortgage knowingly sold this mortgage to Gateway Mortgage implying in the contents that we had. Upon review we found "Hazard" beside the blocks for homeowners insurance in several places. When Gateway bought our loan we received notices stating the loan had been transferred and the servicer was changing but that EVERYTHING else about the terms of the loan would remain the same. The terms of the loan as per our closing documents and when we signed the LEGALLY BINDING MORTGAGE CONTRACT was $1,289 Principal and Interest and $88 escrow for insurance payments. This made our monthly payment$1,377.00. We closed with the assumption, based on the closing disclosure, which is basically a "good faith estimate" of what our payment will be so that we know what to expect. We were expecting this amount to be more or less the payment for the duration of the mortgage. We purposefully chose this property and this mortgage company due to the fact that the price of the property and the interest rate we were quoted added up to a reasonable house payment. My husband is a 100% disabled Veteran who is on a fixed disability income. This is what we could afford. We wouldn't have proceeded with the purchase if it had been higher. Gateway Mortgage started servicing our loan on 4-21-22, we closed on our mortgage on 4-8-22. This speed alone makes me very suspicious of the relationship between these two companies... We heard noting more from Gateway Mortgage until we received a letter from them the end of June. The letter was dated 6-22-22. This letter informed us that we would need to have Windstorm Hazard Insurance in order to satisfy the requirements of our Mortgage. They stated we could purchase this or they would purchase this for us at a higher cost. We assumed this would be maybe an additional $50 per month. We pursued this by ourselves and it was next to impossible to obtain. Our home had a new roof in 2019 that they did not record with the county as required in our area so no one the HUGE list would insure us or would only insure at amount over $5,000 per year. The two companies that would insure us, State Farm and Professional Insurance, required that we switch our entire homeowners insurance policy to them...a policy that was nearly twice as much...not even including the windstorm insurance. The windstorm insurance polices we were quoted ranged between $2800 to $3,200 per month. This would add between $260-$300 per month., a considerable amount over the estimate and out of our comfort zone. In addition the premium per month would increase from $88.00 to $214. In total our payment would be at least $1,776. A considerable amount over the estimate and completely out of our firmly set budget. After we consulted legal aid organizations and the VA we found that this DID change the terms of our loan and it couldn't legally be enforced without a mortgage loan modification between us and Gateway Mortgage. Based on this we contacted Gateway Mortgage and declined to purchase the Windstorm Insurance. Every month after this, we received a letter dated the 22nd of that month. It stated the same thing and threatened the force placed insurance. We contacted them each month after receiving this letter, patiently refusing the coverage based on the information we had. We paid our mortgage payment, in full, every month, on time and it was accepted as a full payment and applied. We received a new annual escrow statement the end of October 27 in which they added the force place insurance. This escrow statement charged us a shortage payment of over $600 for the 6 months they accepted our agreed upon payment as a full payment. It also included a new escrow amount of over $400/month for future payments. MAKING THE TOTAL PAYMENT over $2,400!!!! Shadier than all is that the plan, which they refuse to show actual proof of or proof they paid the amount debited from our escrow, is quoted by them at only $4,900/year. Which if divided by 12 months + 1 month cushion comes our to only $442/month which, so where does the $600 amount come from. It doesn't stop next November, it continues to be quoted at the over $2,400/month. Gateway has thus far declined to return contact with us. They have not responded to repeated complaints filed by us with the FTC, CFPB, Dept of Savings and Lending, the Attorney General of TX and UT, the FDIC, and the BBB. We continue to pay the $1,377 mortgage payment we agreed on when we signed our legally binding mortgage contract on time.

When my husband and I put in an offer on our house, it was a very popular listing with lots of…read moreinterest. The sellers had already had two offers fall through because of buyer's loans falling through, and the owners did not want to work with buyers who had sketchy lenders. One of the reasons our offer was accepted was due to the fact that First Mortgage was our lender. They were extremely easy to work with and our realtor commented that our closing was the easiest she had ever seen. Kerrick is extremely knowledgeable and the whole process was straightforward with no surprises.

Buying a home for the first time is stressful. I needed a lender I could trust. I found exactly…read morethat with the Madrid Team at Supreme Lending. Adam was so great and walked me through the process. He and his team were very responsive and reassuring. Our closing was quick and painless. I cannot say enough good things about this company.

Responsive team that works hard to close loans! Will do anything to help their customers!read more

We recently refinanced our home to take advantage of the low interest rates. From day 1 through…read moreclosing, Heath guided us through the process and made it quick and easy. He is super knowledgeable and responsive. Would definitely recommend him!

My wife and I recently purchased our first home, with the assistance of Heath Collins and the…read moremidtown mortgage group. I could not have asked for a better Lender. Heath made the process seem so much easier than it probably was. If you are in the market for a home I would 100% recommend Heath and midtown mortgage. Wish I could have given them 10 stars!

We're so incredibly grateful to have been referred to The Techanchuk Team at Cornerstone Lending…read more Andrew and Madison were absolutely amazing from start to finish for our lending requirements. They came through with immediate turnarounds during our offer process which helped us close the deal on our dream home and property. I will now be a lifelong client of theirs and hope you make the same choice too!

My husband and I are immensely grateful to Bobby Thompson his exceptional work! He secured all the…read morefinancing to close on our house in just 10 days. Which is just AMAZING! Totally exceeded our expectations of what the home buying process would be like. Also, Bobby's detailed guidance every step of the way was incredible to us as first-time homebuyers--we felt like we knew what we were doing. We felt so well-cared for and like Bobby and the team were just as excited as us! Thank you for making our home-buying journey so seamless and enjoyable!

Joey was amazing to work with! It was probably a good year before we actually started the home loan…read moreprocess. Before that, he was incredibly helpful and patient to answer my questions.And I had a lot of them! When we were finally ready, they stayed on top of things! They made sure the process was smooth and simple. I would happily do it all over again with Joey and his team!

Kim helped me buy my home. She made the whole process very simple and let me know exactly what I…read moreneeded to provide. I'd recommend working with Kim, if you're looking to buy a home. Would do business with again!

I started out looking for a bank in Stillwater when I went to college, but didn't like the…read moreatmosphere or the location, so when this one was built so close to my home, I figured it was worth the switch. Man, what a good choice. The building is convieniently located at the not so busy intersection of 71st and 145th streets, so I avoid the craziness of 71st and 169, and the construction on Elm St. The parking lot is a tad on the small side, but there's never a bunch of people there. The staff are always courteous and kind, and don't push stuff on you every single time you make a transaction. I've been to banks where they'd offer me credit cards, deposit boxes, you name it, every time, even though they should have know from asking so much I'd say no. They have recently built a mini-shopping area next door which seems to cramp their space a little, but I highly recommend this bank if you're looking for a pleasant banking experience. They're up there with the best.....Lots of upgrades on accounts available depending on where you are employed.

Nice tellers and bankers which is very important. Like this branch a lot but not the easiest to get…read moreto if you are going east on Kenosha/71st. Nice lobby! Love banking with MidFirst!