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Independent Home Lending is the way to go
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I'm actually not sure where to began in providing David a review. He's a stand up guy and hits a 5 star in every category of responsive, knowledgeable, Helpful and Follow Through.
To begin, my initial contact with David was in May/2015. He gave me his background (10+ years experience) and numbers on what would best fit my scenario in terms of a refinance. You talk to various mortgage professionals and you have to take everything they say with a grain of salt. To be honest with you, with everything that David told me what stuck in the back of my head was "if it's sounds too good to be true then it is"
It's not that I did not trust David, it's that I wanted to explore my options in order to make sure that I was making a sound decision considering you're getting into a 30 year commitment here. I viewed my options with a competitor and I even told David that. He said he completely understood that I was shopping around was patient with me. He told me that he was in the industry for over 10 years and knows every angle now on to my short story.....
The other lender I reached out to me and let me know what they could close within 30 days. I was very intrigued by this but their numbers did not add up so I became skeptical, all in all it took me nearly 17 days to get a response from them on numbers and at that same time the rates went up so I lost out on locking a good rate, was I mad? YES? but during this entire time that I was waiting on this lender to get back to me, David was patient with me, contacted every 3 days or so to see if I made a decision with that lender and if so, he'd close out my file, no hard feelings and to add on that he's been in the business for over 10 years and he knows what he is doing and has seen this scenario before.
Fast forward....David's competitor delays the process in the numbers and tells me all of a sudden that they can have me sign within 2 days....awesome deal but the numbers did not add up to me. David as patience as he is reached out to me again and I told him the situation....I was burned by this lender in terms of fees, the wait time and the rates going up so I gave David a chance.
I tell you this. I should have went with David in the first place. the term "If it sounds too good to be true then it is" does not count with David....he's honestly legit and trustworthy...I'm always skeptical of predators but this is what David is not...he's trustworthy and you can even ask him if you can give me a call....I honestly don't mind giving you the verbal feedback.
Now the categories
Responsiveness - He's very responsive, even more responsive than I am in my industry (health insurance). In terms of phone calls. I call just to leave a voicemail and he picked up almost every time leaving me to wonder if he ever sleeps or is even human. In all honesty I don't expect anyone to pick up every single call but he was 90%-95%....I don't you to hold him to this considering we are all human and have are lives but David is very responsive on a legit level.
Knowledgeable: He's been in the industry for 15 years....trust me....he knows his stuff. As you know the things in your industry....David knows the things in his industry.
Helpfulness: David has been there every single step of the way and has answered every question truthfully. All in all I put him above in helpful above when I first purchased my house with a different lender.
Follow Through: Everything above speaks as a definition of follow-through. As I said, he's a stand up guy, very knowledgeable and I'm not being paid to write this...it's just the honest truth.
As long as David is in the industry, I'll go through him for my purchases and refi's and anyone who choses to go with David after reading this review...all I want you to say is that "Sam was right".
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