Used this company in March and had an amazing experience!…read more Each person that helped us was very attentive and responsive and they always had their part of the equation done instantly to make sure that everything was working smoothly with our Realtors, and we got a better rate than we would have from typical lenders.

I called to inquire about current rates & got transferred to 2 different people that day to get…read moresuch. Lots of pressure to take a loan app, I said I was doing my due diligence & was not going to do a loan app that day. Then what really took the cake was I got a text message from Amy the following Monday stating the Fed had lowered rates, I immediately Googled such & found no such news. I texted her back asking her to send the link to confirm such. She said she didn't have that article but continued to try to get me to make an appointment in 3 more text messages. I told her I wanted nothing to do w an organization that was trying to mislead me w falsehoods. I asked for her NMLS#... no response so far.

Angela was amazing to work with! She helped us with financing for a new construction home and also…read moreto refinance that same home when the rates dropped and it made sense. Angela is very knowledgeable and walked us through the different options we had available. We had some more complicated moments during COVID with rates and what options were available but Angela didn't give up finding us the best solution for us. She is more concerned with setting her clients up for success than collecting commision. She truly cares that each of her clients end up with a personalized solution that works with their short and long term goals. I would love to work with Angela again if the situation ever presents itself and highly recommended her to anyone looking for a mortgage broker.

I cant speak more highly of Angela. She has helped me with both a refi and a new home purchase and…read moreshe was so great for both. She really explained my options and walked me through the process. The rates she got me were the lowest out of everyone I got quoted from. She is also super responsive, I could always get a hold of her. She makes any loan change so easy. Use her, you wont regret it!

My wife and I just refinanced my house with Michael and I could not have been happier with the…read moreprocess. The rates and fees were better than I expected and I was blown away how easy everything was. As a business owner, I was expecting a lot of requests for additional documents and explanations of my expenses and write-offs however this never came up. I would recommend Michael to all of my friends and family members.

I have worked with the Michael Shotnik Team for a long time, both on purchase and refinance. Mike…read moreand his team do an outstanding job of explaining the mortgage process to borrowers and helping them get under contract on their home. Mike always call the realtor selling the home and introduces himself and explains what all he has already done to get your loan closed when the house sells, making your offer really strong. I highly recommend the Michael Shotnik team to anybody looking to buy a home or refinance their existing mortgage.

Great communication and jumped right into our loan immediately. They took what was being told to us…read moreby other lenders as a difficult situation as self-employed borrowers and made it easy. Highly recommend!

If you need someone who's on your side and will help you navigate the complicated mortgage process,…read moreKari is your person. She was amazing in making me feel cared for during a difficult time in my life. She couldn't have been nicer and more professional. I count her as a friend now and know that you'll be happy with her work. I have used her for my refinance as well and she is always great to work with. Definite recommend.

I cannot say enough good things about Marna Deines, who has now been our lender for two home…read morepurchases under Universal Lending. Marna is everything you want in a lender; she's understanding, compassionate and straight-forward. She is honest with you, even when it's hard to hear, but she is the best guide through a stressful process that one could ever have. In addition to being a part of your team, Marna has also been ridiculously professional and efficient. She processes paperwork at the speed of light, often working late and on weekends. She answered every phone call and email within minutes. She helped us work with the IRS, she contacted other lenders and our sellers to smooth out a tough transaction and on a long-pushed back closing day, she not only brought us little gifts, but presented for us, since she knew we were comfortable with her. If it sounds like I'm gushing, I am. Without her, we would not have our dream home, 100%. She worked a miracle for us. Having her as a part of your lending team is like having an ace in your hand; an incredibly smart, generous and patient ace who is also a financial wizard.

The process was great with ULC. However, they are selling their mortgages to a sub par company…read morethat has multiple complaints about unethical financial business practices to which that company is now in a class action law suite. I had to refinance again with a more reputable company to get out of the shady company my loan was sold to by ULC.

I agreed with other review, if you get loan officer Tori Zimmerman, it will be bad luck. She is…read morevery bad, she approved everything at beginning, lack communication, until about closing the other loan processor yelled at me because they still need this, that documents, Tori never told me those things & what I have to do. No news since pre-approval until closing. I saw her biography, she doesn't have experience or specific in loan officer job, or accounting something like that, except other things such botanical, education, etc. No wonder as loan officer at Inspire she lack knowledge. I have enough, she make enough troubles.

They are working with us very fast service we are purchasing a home thru them and we are not…read moredisappointed with the service they provide

Paul is super helpful with tons of loan products, industry knowledge, & great with all Buyers. He…read moreis easy to talk to, highly responsive and always willing to help answer all your questions.

From the owner: Smarter Mortgage Strategies. Happier Homeowners. - We empower homebuyers and homeowners to Unlock…read moreHappy Homeownership with Smart Financial Moves to maximize buying power and minimize cost. We are a mortgage broker in Denver, Colorado that caters to all borrowers' real estate and home financing needs. Whether buying your first house, dream home, refinancing, or on a timeline of 10 days or 10 months, we can help! We simplify the home loan process, save you time and money, shop mortgage rates, and have access to 150+ of the best mortgage lenders and loan programs including: Conventional, FHA, VA, USDA, Jumbo, DPA, Alternative Financing, Home Equity, Investor, Reverse, Refinancing, Cash Out, Debt Consolidation, and more. Thinking of Moving? Let's Talk! NMLS #1697336 | #891464 Edge Home Finance

We are so grateful for all of journey home lending's help. We were given so much time and effort…read morefrom Rod and his team. We felt taken care of from the start. We're so grateful for the house we were able to find. From beginning to start there was transparent communication that was concise and clear. Not to mention Rod working around our work schedule hours with early mornings and late nights. We are grateful to have them in our family's communication for the future.

I recently worked with for a refinance and he made the entire process seamless. Finance is not my…read morestrong suit so I was worried, but Rod made it completely pain-free. He and his amazing team took care of every single detail and handled the heavy lifting from start to finish. If you want an stress-free experience with true experts, I highly recommend Rod!