What it is like to close a loan here

“We were turned down by our bank because my husband had only been self-employed for two years. Andre looked at the same paperwork and found a lender that counts a two-year 1099 history. We closed 31 days later, and the rate was better than what the bank had quoted us before they said no.”

“Danielle talked us out of refinancing in March. She sent a one-page break-even sheet showing we would not clear costs for 41 months and told us to wait. When rates moved in July she called us. That is not how the last two lenders treated us.”

“Trevor handled a tidewater notice and an entitlement restoration in the same file without it ever becoming my problem. Zero out of pocket at close, exactly like he said in the first phone call.”

“I had three quotes. Northgate's was not the flashiest headline rate, but it was the only one where the fees on the Loan Estimate matched what I had been told on the phone. It also ended up cheapest once you added everything up.”

“Fourth rental, first time using a broker instead of my credit union. The pricing difference on a DSCR-style file was not close. Danielle now handles all of them.”

“Our file was complicated: two states, a trust, and a bonus structure nobody wanted to underwrite. Trevor got an exception approved in nine days. We had been at it for two months with another lender.”