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    The Larry Utterback Team

    5.0 (1 review)
    Open 9:00 am - 5:00 pm

    Services - The Larry Utterback Team

    Mortgage services

    Mortgage refinancing

    Home purchase

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    5 years ago

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    Robert Hathorne - Rate

    Robert Hathorne - Rate

    (6 reviews)

    I've done many mortgages and refinances over the years across multiple properties, and I can…read morehonestly say Rob Hathorne stood out as the best I've worked with. In the past, I've used online lenders who advertise great rates but tend to be slow to respond, hard to reach, and very transactional. When everything goes smoothly, that's fine but the real difference shows up when complications arise and you actually need someone in your corner. That's where Rob was exceptional. From the start, Rob worked hard to secure a strong rate for me, actively shopping multiple lenders and making sure I was truly getting a competitive deal. We initially expected a very straightforward process. However, as the transaction progressed, some unexpected complexities came up related to the sale that required a much higher level of involvement than anyone anticipated. Rob didn't just stay involved, he was fully engaged throughout. He was responsive at all hours, communicating via text, email, and phone, always staying ahead of issues and making sure nothing slipped through the cracks. He consistently checked in, monitored rates, and even looked for opportunities to improve my position when conditions changed. At every step, it felt like he was advocating for me personally, not just processing a file. What stood out most was that Rob treated the situation with a level of care and attention you simply don't get from most large online lenders. He gave thoughtful guidance when decisions needed to be made quickly, helped me navigate a complicated process, and made sure everything stayed on track during a stressful period. It honestly felt like having a trusted advisor on my side rather than just a loan officer. After this experience, my biggest takeaway is that the lowest rate on paper doesn't always matter as much as having the right person managing the process. A slightly lower rate or marginally lower fee means very little if communication breaks down or problems aren't handled quickly. Rob still got me a great rate with low costs but at the same time proved that value comes from service, responsiveness, and judgment when things don't go as planned. I can't recommend him highly enough. He was professional, proactive, and genuinely committed to doing what was best for me throughout the entire process. If you're considering a mortgage or refinance, I would strongly recommend working with Rob Hathorne. He is truly one of a kind.

    Bob is a very experienced lender, who understands the intricacies of the loan process. That,…read morecombined with his professionalism and communication, is a great combination. He is familiar with the many different loan product options, and what each require - allowing him to give good guidance and recommendations to consumers in the start of the loan/refinance process and bringing them through to close.

    The Larry Utterback Team - mortgagelenders - Updated May 2026

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