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Positive Experience
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Thanks to Ms. Madeline Lam and the entire staff at Linear Home Loan, I was able to refinance the mortgage on my home which will save me $280.00 a month for the next 30 years (loan closed November 30, 2011.) I am extremely happy to have secured an interest rate of 3.875% which is substantially lower than my current rate. I initially saw an ad in the LA Times advertising Linear Home Loan rates and immediately called the company to confirm their rates. I was already locked in and approved at an interest of 4.25% with by my current bank who has held the mortgage on my primary residence for the past 20 years, but I was disappointed with that rate because rates dropped significantly lower immediately after the bank locked me in for 90 days and refused to unlock and provide me with their lower advertised rate of between 4.0% and 4.125%. I never requested the lock-in; instead the loan officer automatically locked it without first consulting me. When I called Linear Home Loan, I was immediately directed to Ms. Madeline Lam and was I intrigued with her intense knowledge of the current state of the real estate market as well as her vast knowledge of matters that affect the manner in which interest rates fluctuate on a daily basis. Ms. Lam was not only able to gingerly convinced me and my wife that I would benefit greatly from their lower rates and minimal cost associated with the loan, but that her company would exercise all professional measures in their power to close the loan in an expeditious manner. They most certainly did! Every Linear Home Loan affiliate associated with this closing, including the escrow company and the notary public officer (document signor) were very courteous and professional in their respective roles. I would, without hesitation, highly recommend Ms. Madeline and Linear Home Loan to anyone seeking professional assistance in obtaining favorable loan rates for purchase and/or refinance. I won’t hesitate to utilize her services in the future.
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