September 19, 2019 Letter of Recommendation John Memoli Senior Mortgage Consultant TriStone Financial LLC 404-219-9682 Mobile JMemoli@TriStoneFinancial.com www.TriStoneFinancial.com NMLS # 250798 Georgia Residential Mortgage Licensee # 20614 Future Home Loan Borrowers, I have just completed my home purchase through TriStone Financial LLC, and I am compelled by principle to offer the following, not paid or compensated in any way, other than a very satisfied customer of his company. In a world of incompetent Neolithic apathetic service representatives, John Memoli shined like diamond in sea of black. John was professional, easy to work with and detail oriented so all of the things I would have overlooked, John pointed out to me, both advantages and disadvantages of different processes his company could provide. On our first contact John offered to provide: A "Lender Pre approval letter" A Fixed Quote Interest Rate A breakdown of Closing Costs after some Q&A John also provided me a overview of the loan process, so I was prepared for what was asked of me, and the entire process went exactly like John had described, I was not blindsided by hidden fees, no unreasonable vetting process and I was even able to keep my first born, and while my son can be annoying at times I still count that as a win. I strongly encourage all who may be entering the new home mortgage lender search market to contact John Memoli of TriStone Financial LLC, and compare what John can offer with anyone else you can find. I solicited more than a dozen mortgage lenders in my search and all made big promises or low rates and simple processes. However, when you lie for a living it must be difficult to remember your bogus claim, so when I started asking targeted questions they provided answers that contradicted their previous claims. Contradiction reveals deceit and there were more contradictions with their false promises than you might find at a used car lot, but when I requested "Locked interest Quotes" they had nothing more to say and that spoke volumes to me. I am confident after the competitions false expectations, fantasy interest rates and broken promises will evaporate like a raindrop on GA Asphalt in August. John Memoli was the best of the best, my wife and I found John Memoli a pleasure to work with and I have already given my highest recommendations to my friends and family when they require a competent, professional lender who can help you navigate the shark infested waters of the home loan Lender. One last time; Charlotte & I Thank You John for all your effort, guidance inn securing our dream home. Best Regards, Neil Coppola President AMERICAN BUS VIDEO INC. read more

e were linked up with Ken through our realtor, as my previous house purchase was in Florida. I figured as long as the rates were the same, there wouldn't be much difference in lenders. I'm happy to say that this wasn't the case. I had a wonderful experience last time I bought a house, but the speed and efficiency with which Ken took care of any issues we had and worked with us through the whole process put it to shame. We ended up having to make counter offers on a quick turnaround, and I really don't think we would have gotten the house were it not for Ken being so responsive, no matter the hour. In addition to that, his advice and expertise made a world of difference as we tried to determine what was feasible and what wasn't in our buying/selling process. I can't recommend him highly enough, as well as all the other people at Tristone who helped out. read more

I worked with John Memoli and Tristone Financial to obtain financing for our new home. I had several bumps in the road that John was able to work through and get us an unbelievable interest rate. John was a joy to work with, always available, patient, kind and so good at his job! Every hurdle that came up, John figured out a way to jump over and get us to the finish line. Financing a home is such a stressful process for those of us who only do it a few times in our lives. John was so good at explaining things on a level I could grasp and I don't know how many times he talked me "off the ledge" when things got rocky. I joked with him that if was not so damn good at this job, he should try his hand at being a therapist ; ) I whole-heartedly recommend John Memoli and Tristone Financial to handle your mortgage financing needs, they are the best! read more

John Memoli from Tristone financial took care of my wife and myself during the process of buying our first home. John walked us through every step of the mortgage process and was happy to explain everything as we went and answer every question we had. He helped us address issues as they arose and he was always prompt to respond to us, even after normal business hours. John was always on top of everything and I felt confident trusting his financial advice and trusting him with our mortgage needs, and he was able to secure a great rate on our mortgage. John even came to the closing to ensure that everything went smoothly, which it did. I cannot thank him enough for all his effort in helping us with our first home purchase! read more

I had procrastinated my refi for some time-the thought of searching for interest rates, getting all the paperwork together, and dealing directly with lenders was exhausting and intimidating. From day one, Jim Greenie made me feel at ease with the process. He has a wealth of industry knowledge and took the time to ask the right questions and explain the options on my level so he could fit me with the right mortgage. He and Therese checked in with me several times a week and updated me on the status of my loan, which was able to close in less than a month! Every step of the way, they made me feel like Priority #1. I would highly recommend Jim and his team at TriStone Financial! read more

John Memoli is simply the best. My wife and I shopped 4 banks when purchasing our home. John stood out for his availability, patience, knowledge, and honesty. He offered us the best rate from the start, answered and returned calls during evenings and weekends, and interrupted time with his family to clearly and carefully answer our many detailed questions. He provided countless fee worksheets for us as we tried to navigate the implications of various offers, and would walk us through each line by line. No other person we spoke with came close to matching John's level of service, transparency, and offered rate. I don't think you can get any better in home financing. read more

We recently moves across the country to Atlanta and had to hustle to get mortgage approval in a short period of time. I was referred to John Memoli by my realtor, Angela Medley, and was pleasantly surprised at how quickly John and his team were able to find me great mortgage terms, while also providing great customer service. John & team were very quick to respond to our requests, while also very patient while we filled up all the necessary documentation. Overall, we were very pleased with our experience with John and his team, and would gladly use him again when needed. Thanks, John & team....wish you guys good luck ahead! read more

We used Tristone Financial to purchase our latest home. We worked with John Memoli on all of our pre-closing documentation and approval. We have purchased 5 homes over the last 20 years and I have to say this one was the most enjoyable and stress free per-approval and closing we have ever done. We had a lot of other things that were very stressful with this purchase but working with John on the financing was not one of them. He actually made it easier for us to deal with other things without worrying about the financing. We would highly recommend John and Tristone Financial for any of your home mortgage needs. read more

Thank you, thank you, thank you to Tristone Financial, Jim Greenie and Therese Swenson for making my mortgage, and house-buying experience amazing. The financials of buying a house are hugely stressful, but with their help it was so much less stressful, and actually a great experience. Jim was beyond professional, knowledgeable, prompt, helpful and supportive. He explained everything in great detail, and did lots of hand-holding for me!! I have, and would recommend them to everyone I know. Jim's tagline reads... "Reputation over Revenue", and he delivered! I highly recommend them! read more

I thought buying a new home in a new city would be very scary. Thanks to Ken Kilinski and his team at Tristone Financial they made the financial process seamless. He gave me very complete direction on forms, what needed to be submitted and how. Ken always followed up every submission with a personal call to be sure I was confident in the direction being taken. He showed up at closing to be sure everything was handled properly and beyond my expectation. What a wonderful gentleman to work with. I highly recommend Ken and Tristone Financial for all of your mortgage needs. read more

John Memoli was so helpful in answering any and all questions I had during the new process of buying our first home. We felt comfortable right away and he was always available by phone or email, which made me feel at ease. When problems arose, he was quick on a resolution plan and stayed in touch, providing regular updates. He was even there at closing, which really made it seem as if we were all working together to get the house we wanted! Can't say enough good things, and I highly recommend working with him. read more

I would highly recommend John Memoli for anyone needing a mortgage broker. He was very professional and had fantastic communication skills. I loved that he gave me reminders since this was my first time purchasing a house and I was practically clueless. My mom is a realtor and recommended John, since he's the best, so I can say for certain you won't be disappointed with him! If you're reading this, that means you're looking to purchase a home, so congrats:) read more

We've been through a number of closings in the last few years and this was the first time both the seller's and our agent asked us who the loan person was. We were lucky enough to be able to introduce them to Therese Swenson who actually came to our closing! We were in such good hands during this process, especially considering all of the new regulations in place. We won't go anywhere else in the future. So glad we chose Tristone Financial. read more

The Team at TriStone Financial was fantastic! As first time home buyers, John Memoli made sure to walk us through all aspects of purchasing a home so we could be fully prepared for the home buying process. Tiffany Pron was also fantastic as we went through the closing process. Both of them were very prompt to responding to any questions that we had. I would recommend TriStone Financial to any prospective home buyers! read more

I used Brian from Tristone Financial when purchasing a house in late 2015. He was extremely professional and knowledgeable throughout the process. My situation was a little unique in that my company was relocating me. He took the time to understand all of the unique provisions of my situation and ensured that my benefits were maximized. I'd use him again and would definitely recommend him to family and friends. read more

We want to thank John Memoli and his collegues at Tristone Finantial for their help with the purchase of our house. John made the process an easy one and without problems. He kept us oriented throughout the process and was available to clarify our doubts at any time or day of the week. We strongly recommend this outstanding team. They really help you and care for you as a client. Francis and Zoraida Febo read more

Mark and I have been clients of John Memoli and TriStone Financial since 2013 when we bought our current home. Since then he has represented all three of our children when they purchased their first homes and a refinance and home equity loan. John is always professional and prompt with all communication and the process is seamless. We would highly recommend John and his team and would use him again. read more

I could not have purchased my home without John Memoli. It was a big step for me and John walked me threw the whole process. I was able to access him anytime. He worked extremely well with my realtor and was able to respond quickly. I was so comfortable working with John that I had no anxiety. If ever I need help again he defiantly would be my go to person. I highly recommend John Memoli. read more

John Memoli was my mortgage consultant. He was extremely helpful, proficient, and always reachable when I had questions. My closing became unexpectedly complicated when we had medical issues arise in the family. John was there to ensure everything was on track and closed on time. I will definitely recommend John to all my friends and family and will ask for his help again in the future! read more