Best Loan Companies & Trusted Money Lenders in Arcadia, FL

I want to say Thank you to Deion Washington for his assistance throughout the process , I will certainly highly recommend his service to anyone I know .Again Thank you for the great work you did for us very professional threw out the months.

My husband and I had an absolutely wonderful experience from start to finish through QC Lending! We couldn't be more pleased with the care, attention, efficiency and professionalism displayed by Deion! I will most certainly recommend this team to all I come in contact with regarding purchasing a home or refinancing; as we did! You will be in wonderful hands with him and his entire team! You won't regret it!

I would highly recommend QC Lending and Deion Washington. Working with Deion was a total pleasure! Throughout the mortgage process, he was always available via text or phone to walk me through the steps, answering the many questions and concerns I had along the way (day or night, even on weekends!). His knowledge of the industry and markets was impressive and in the end, by being alert and on top of market movements, he secured us an even better rate than we expected! Deion was incredibly efficient, responsive, and helped us to close on our house in under 30 days! Again, I would highly recommend Deion and plan to refer him to people in my personal and professional network for anyone in need of a mortgage.

I greatly appreciated Don throughout process of buying my first home. He made sure To answer any questions that we had to the best of his ability, he was always available and when things got tough, he and the owner did all they could to make sure things went through and we were able to close.

I give QC Lending and Chris Moss five stars. I just closed on my home thanks to expert and professional guidance from Chris. He answered my questions and helped me feel secure throughout my home buying process. He kept me updated on the progress of my loan and after closing checked with me to make sure all had ended well. If you're looking for a loan officer who cares about your mortgage loan and you...call Chris. Linda C

Just to share my awesome experience with the team at QC Lending with Michele Martinez in Florida. The Florida Team is awesome! They all went over and beyond for us!

Amazing lender! We didn’t feel the anxiety everyone talks about when talking about buying a home. Everything went smooth, all my questions were answered and closing was a breeze’ super happy!

The QC Lending Florida Team was awesome! 5 Stars! I could not have done it without them. Michele Martinez was fabulous!

Don Burch made the process so easy. He explained the steps clearly. He answered all of my questions clearly and timely. 10/10 recommend

Very knowledgeable team and I love to work with Giri and Lakshmi…I have worked with them twice in last 10 months and both time closing was done within 15 to 21 days timeline. I strongly recommend Apt Mortgage Loan LLC for any type of home loan.

Giri and his team lakshmi did an excellent job. communicated through the whole process and made sure we were on the same page from day one. I very much appreciated his quick response every time I had any question and his dedication to getting the job done.

Thank you for Apt Mortgage Loan LLC from processing of the loan and getting complete until closing of the property. I'm really appreciated the way it's handled without any hassle. Special thanks to Giridhar, I got very good deal with other competitors from Giri. He is a very experienced as loan officer and helped me in the every stage of the loan.

It was great experience working with you. Overall you helped understand the process step by step and very patiently resolved all my queries.

Giri and his team helped us secure our loan with the lowest rate in this expensive market. He was very proactive and set everything up accordingly, so we would have the quickest timeline from pre-approval to closing. I would definitely recommend going with Giri for the fastest turnaround and great price!

Hi Sridevi, Thank you very much for your time and support, without you we would not have closed our home as planned especially because we have no access to the loan site from our home country. You were so kind and helpful during the process and did forwarded all the request and documents via WhatsApp. We get your responses almost immediately with all required details at any time though we were in different time zone. You are awesome to work with and top of everything during the loan process. Special thanks for getting the loan approval for us in a very short period because of our travel plan. It was great working with you and will always recommend you to others. Thanks a lot.

Great service offered by APT Mortgage for my home mortgage. Being first time home buying I had so many questions getting into mortgage and Giridharan Namasivayam helped me with patience to fulfill the loan process. Comparatively closing costs are very less. Definitely recommend Giri and Apt Mortgage for home mortgage needs. Awesome service

Shyam explained the process and assisted all the way from beginning till closing and made sure the process was smooth.

Highly recommend Giri and Apt mortgage for any mortgage needs. Transparent and guiding through the whole process.

I had a fantastic experience working with Giri Namasivayam. From the start, Giri was incredibly responsive and attentive to our needs. He took the time to answer all our questions thoroughly, ensuring we understood the process. I highly recommend Giri and the team at Apt Mortgage Loan for anyone looking for reliable mortgage services!

Giri worked with me on refinancing my home mortgage in Dallas Tx area. He is super knowledgeable and had been a great help in understanding my requirements. He made waited to get best rate that too without any closing fees. I would highly recommend Giri.

Sebastian is very helpful and through in the loan process, very quick .Helped me to close the loan process well before the closing date . Rate is as provided in initial estimate . As a first time home buyer , I was so nervous before starting the process , but Sebastian helped me in all steps and made it look very easy and simple . Thanks Sebastian for your support in smooth loan processing. I will definitely recommend to everyone.

I have refinanced my home loan in the month of December, 2017. I received excellent service and proactive communication till closing the loan as per my timelines. Sebastian George, the mortgage consultant was very professional and friendly in all aspects during my loan processing. I always recommend Vema Mortgage LLC for all types of loans/mortgages.

Did my refinance for my primary house and Investment property with Vema Mortgage. Manju had been a great help. She helped me whatever possible way she could to get me the best rate and smooth processing of loan. She is quite knowledgeable and always tried to give a best service. I would definitely recommend Vema Mortgage to everyone. Thank again Manju for all your help!

Mortgage Refinance Made Easy <-- Simple but most meaningful way to put my experienceSebastian/Vema Mortgage complete the job in very professional way in a record time that I couldn't believe. It was me who took more time in supporting them with required information and they are really quick, detailed, supportive and lived to their word on numbers. Surely recommend

I worked with Vema Mortgage as my lender to purchase my house. The whole process was completed in 3 weeks to meet the closing date I preferred. The whole vema mortgage team is knowledgable to explain every detail at every step especially for the first home buyers like me. Sebastine, Johnson and Lakshmi are really a good team to work with.

P T Johnson was very professional at all times, keeping me aware of everything that was happening, If I had any questions he was always available to answer. This was my second home purchase, he made it very easy to understand the things I had questions about. I really enjoyed working with him. Definitely i would recommend P T Johnson (Vema Mortgage) to all my friends!!!

We're so happy that our realtorrecommended VEMA Mortgages as they made the home-buying process stress-free. Manju was a pleasure to work with and she always made herself available to answer any questions we had. They also gave us a better mortgage rate than Bank of America and we closed in less then a month!

I wanted to take a moment to express my sincere appreciation for the outstanding service , closing the loan process in 9 days. Vipul expertise, guidance throughout the process, and dedication have made the entire mortgage process a smooth and positive experience for me.Thanks to Vipul and his team for efforts.

Vema Mortgage LLC provided a best service through the loan approval process. Sebastian and Johnson provided us a value me an initial advice in closing the home deal. Manju Kizha played a vital role by providing excellent advice, Thorough documentation and highly responsive to clarify my doubts about loan closing process. Their work ethics gave me a great confidence is going with the deal. Their transparency in each stage of closing process gave me a sense that I am working with good hands.Thank You Manju for your assistance.

I was a first time home buyer and had very little knowledge about the entire mortgage process. Sebastian made it so much easier for us. He made the process very smooth for us and gave us every little details related to the mortgage. The interest rates are much more lower than any other lender in the market. I would definitely recommend Vema Mortgage to anyone who is looking for mortgage with lower interest rates.

Best Mortgage agentWorking with Sebastian was a good experience. He took the tension of mortgage out of my head. Especially when building the house and first time home buyer. He explained every minute details and how to plan while the building was in progress. Proactive and on time. Took care of all documentation complexities. He made sure we are aware of every thing before each stages of the processing. A great person to work with. He found the best deal available and made sure that it is processed even there was a delay from my building side.

We moved from St Louis and this is our second time we buying home. As we already had some experience we exactly knew what kind of home we want to live in. Our agent gave Sebastian’s contact and it was pleasure working with him. He was available to answer our questions during the late evenings. With our busy working schedule, it helped us to work with him during the evening and concentrate on our work during the day time. Also, he offers the best mortgage rate in the market.Overall we are extermely satisfied working with Sebastian. I would recommend him for anyone in the market looking for best mortgage shopping experience.Good luck for all the home buyers out there :)

I had a great experience with VEMA right from the beginning of finding the best mortgage rate to securing it to making sure I get the best service. The whole process went smooth and they are very proactive and keeping you informed about the whole process irrespective of time in a day. As long as you need help they are there at every step making sure you don't have any issues. I will definitely recommend VEMA.

After doing some research over all the lenders, we decided to go ahead with Sebastian George. We really got good interest rates considering we are first time home buyers. Also throughout the process, he helped answering all our questions & gave beneficial tips/advice's. It was very easy to contact him anytime during the day through text/emails/calls. Very responsive. I'd recommend him.

I found Sebastian very reliable, honest and helpful in his interactions during my buying process. It was more like dealing with a friend. I was completely new to the home buying process and Sebastian guided me throughout the process. The entire process was very smooth and hassle free. He gave valuable advice which helped me to get a better rate and lower my payments. I would highly recommend Sebastian to all !

I had a fantastic experience working with Vema Mortgage to get a mortgage to buy a new home. I compared rates with other lenders and Vema gave the lowest rate. Throughout the process, I worked with a total of four Vema members, from our initial application all the way to the date of closing – Sebastian, Johnson, Manju, and Neeta. Their communication is prompt, helpful, and friendly. I highly recommend working with the Vema team and look forward to another opportunity to work with them in the future.

Being a first time home buyer, I was very worried about the loan origination and closing process. However, Sebastian made things very easy for me. Not only did he give me a great rate but also helped me to take sound financial decisions. I did talk to multiple lenders but Sebastian beat them all. It has been great working with him professionally as well as personally. He is a great human being and will take all efforts to make you comfortable with the process. I highly recommend him for your next mortgage purchase.

Sebastian George (Vema Mortgage LLC) is very professional and friendly. He genuinely cares about his customers and provides them with the best service. I felt that he had the best wishes for me at heart and also worked towards getting me the best mortgage rate possible. He answered all my questions with great enthusiasm and provided me with all the knowledge and advice that I would required throughout the process. Regardless of the time when I contacted him, be it day or night, weekday or weekend, he was always available. He has truly earned my trust and respect for life and for that reason I will ensure that I recommend him to all my friends and family.

Excellent service and very knowledgeableloan officer.Mr. P T Johnson helped me through every step on my first home loan and very supportive, friendly, easy to reach.I am definitely looking forward working with him in the future and recommend Vema Mortgage to my friends & family.Thank you Johnson sir & Sebastian sir.!

I worked with Sebastian George to buy a property in Michigan while living in Maryland. The loan process in general is difficult but it is even more challenging when you live in a different state. Sebastian constantly kept in touch with me to ensure I was informed each step of the process. He worked one on one with me to ensure that I had the correct documents during the under writing process. This was a very smooth purchase especially for someone buying property in another state. I only had to travel to Michigan on the final day of closing to sign papers. Everyone I interacted with was responsive and knowledgeable. Each interaction with Sebastian proved to me how experienced he and his team was. I highly recommend Vema Mortgage to anyone considering to purchase a home or refinance.

My friend recommended to go with Chirag from Vema mortgage and as a first time buyer I made right decision to choose him as my lender. Had many questions w.r.t mortgage and Chirag was able to help me to clarify those. Also he was able to give me good mortgage rates and even tried to maximize the adjustments. The team from Vema mortgage was very responsive. I would definitely recommend Chirag and his team as a lender for the home buyers.

I had a great time working with Johnson and previously Sebastian. They will get you the best rate in the market (no doubts about that), and their closing cost is minimal compared to others. The communication could be a bit challenging but if you are in for the most bank for the buck then VEMA is your first choice. Johnson works super hard and I suggest they recruit some staff members to take away some workload :).Overall great experience, recommend them to everyone! I will work with them again for all our future investments.

Excellent support!!! We are so fortunate in getting connected with Sebastian George for helping us in buying a home. His friendliness and professionalism made all the process smoothly and were able to complete it on time. He gave the best rate available in the market. He was there in every step of the way giving us honest advise and direction. He is always prompt in replying any time of the day for clarifying all our first time home buyer questions. I would highly recommend Sebastian George to anyone who are in need of looking for a mortgage agent. Thanks Sebastian George for the immense support throughout the process.

Sebastian / Vema mortgage is very easy to work with. I checked with multiple mortgage brokers and got the best rate from Sebastian. He is so fast to respond and easily reachable. He gave me different options to choose from with valuable suggestions. He checks with multiple players and provide you with best rate. We missed the proposed closing date by one day but I do not blame him completely.I would definitely recommend Sebastian for all your mortgage financial needs.

Thanks Vema Mortgage for taking care of our mortgage need. Our Representative, Sebastian George was very helpful and prompt in response. He is very knowledgeable and made the process extremely easy to understand. He gave me comfort and made himself available according to my schedule. I want to give Sebastian George 5 star rating for his accuracy, timeliness and knowledge. Everything went according to the plan. I was aware about all the charges and no surprises at all. I did shop around and choose to go with Sebastian because he offered lower closing cost and interest rate compared to Other places in market.AMAZING WORK. VERY HAPPY WITH SERVICES.I would definitely recommend Sebastian for all your mortgage financial needs.Thanks a lot.

I recently worked with Ramesh Nagarajan, a mortgage broker, to get a mortgage for my first new home. I was very impressed with his knowledge, professionalism, and communication skills. He took the time to understand my needs and goals, and he was able to find me a great mortgage that fit my budget. He was able to provide the pre-approval faster than many other organizations.Ramesh was always available to answer my questions, and he kept me updated on the status of my loan throughout the process. He was also very patient and understanding when I had some last-minute changes to make. He even updated me with the current internet rates till I lock the rate for the final closing. Even during the closing, he did excellent advice and support so that closing can be done in the right way. Very happy to know Ramesh personally as well. Highly recommended.I would highly recommend Ramesh Nagarajan to anyone who is looking for a mortgage broker. He is a true professional who will work hard to get you the best possible mortgage.

I'm a first time home buyer and I got Sebastian's contact through my friend. He rated him highly and recommended to me. The day we started working together, he lived up to all my expectation, right from my first day. He is extremely professional and highly knowledgeable in mortgage domain. He educated me with the home buying process very well. He offered me the best rate and conditions compared to other lenders that I got quotes from. He is accessible and responsive ALL times, may it a late night or early in the morning. Sebastian is highly dependable and I recommend everyone to work with him to have a smooth closing and peace of mind. In my overall experience, Sebastian works in buyer's best interest.

I worked with Vema Mortgage as my lender to purchase my house. The whole process was completed in 3 weeks to meet the closing. It was a great pleasure working with the Vema Mortgage LLC. Especially Sebastian explained every detail at every step especially for the first home buyers like me. Sebastian George, Lakshmi and Johnson are really a good team to work with.

Sebastian has been an awesome loan officer for us when we did a Refinance with Vema. He works 24X7 literally. All phone calls picked without any delays. Right from the initiation to documentation to closing - We were kept well informed at every stage. Sebastian was very patient in explaining the documentation and the numbers at each stage of the application. He is well versed and we did not see any errors or repetitive work. I am glad he got us good interest rates. If i buy another house, it will be through him and Vema for sure. Sebastian, keep up the good work!

I'm a first time home buyer (Aug 2018) and I got Sebastian's contact through a friend. They rated him highly and recommended I work with him and Sebastian lived up to this right from my first contact. He was extremely professional and highly knowledgeable. He educated me with the home buying process as well. He offered the best rate and conditions compared to other lenders that I got quotes from. He is accessible and responsive ALL times. Sebastian is highly dependable and I recommend you work with him to have a smooth closing and best rate. In my experience, Sebastian works in you best interest.Update - I recently refinanced (Sep 2019) and Sebastian was the 1st (& only) person I reached out to. For a second time in a row, he gave me the best rate and we closed on time with no surprises. He is great to work with and extremely knowledgeable with the process and never fails to amaze you with his workmanship. If you are shopping for home loan, Sebastian is your guy and I highly recommend working with him.

I have researched on current mortgage rates and reached out to many lenders.Vema Mortgage and Vipul Hapani was offering me best competitive rates to beat other well known institution lender. Vipul was helpful enough to waive of some of lending charges and providing credit to reduce total closing cost amount. For a New Home buyer, he was helping enough to let them know about lender process and was able to give final amount intime before closing day for next action towards House Closing. Overall, Five star experience and thumbs up to Vema Mortgage and Vipulbhai for treating their customer with best experience and their knowledge on mortgage rates.

PT Johnson is absolutely amazing in his response time with all communications and in answering all our questions, which made the whole process go about as smooth as could be! His efforts made this a positive experience from start to finish! He is very communicative and easy to work with. Pleasant experience overall. Would recommend to others without question. Excellent service. Thank you Vema Mortgage !!

Was referred by a friend and noticed that Sebastian had most of the clients in our neighborhood.This gave me confidence the he would be the best option for me.He was pretty quick to answer all my queries . Overall a great experience and I would recommend to everyone.

My colleague referred me to Sebastien George and Vema Mortgage, and I'm eager to pass along my recommendation to anyone in search of mortgage assistance. Sebastien's extensive experience was instrumental in guiding me smoothly through this intricate process and securing the most competitive rates available. Without a doubt, he ranks among the top advisors in this field.

We had our whole mortgage process done with Vema Mortgage and we had an amazing experience. PT Johnson worked with us relentlessly during this very crucial time period. He was always available to answer any questions that we had as first time home buyers. He made as feel at ease and guided us through the process. One thing about Vema mortgage is that they don't just work during business hours. There is a Vema personnel available to answer any questions on the weekends, evenings or even at night. If any questions arise, we knew PT Johnson was available just a phone call away. That comfort for a first time home buyer means the WORLD!!!! I highly recommend Vema to everyone!

I appreciate johnson’s prompt assistance in closing my loan. Your guidance throughout the process was invaluable, making the experience smooth and stress-free. Thank you for demonstrating exceptional expertise, ensuring a seamless loan closure. I highly appreciate the professionalism and efficiency exhibited throughout the process. Grateful for a hassle-free experience. I would highly recommend Johnson here at VEMA Mortgage!

P T Johnson is very knowledgeable and we had a wonderful experience working with PT.He was always available to answer all our questions with patience and guided us in making the right choice while executing the loan.I would recommend PT to everyone looking for a home loan.

I highly recommend Vema mortgage and their services since they provided great customer care and guided me through the mortgage process efficiently. I can truly say that I felt at ease throughout the whole interaction with the company. P T Johnson was a huge factor in making my experience so smooth and simple. I did not feel as though I was treated as a customer but more so as a friend by the care and attention given by the company and P T Johnson especially. I would not hesitate to do business again and will be referring any friends and family for future mortgage needs.

Working with VEMA MORTGAGE LLC was an absolute pleasure. Sebastian and his team's expertise in the mortgage industry is evident from the very beginning. Since I’m a first time home buyer, I had all the questions and he explained each and individual item clearly. He guided me throughout the process and was able to close the house pretty much close to the original estimation given by him. If you’re looking for honest, quick n experienced lender, highly suggest to talk to Sebastian.

Excellent experience working with Sebastian and Lakshmi from Vema Mortgage. Starting from 1st interaction Sebastian made sure that we understand each and every detail of mortgage process and took extra time to explain. Lakshmi kept us informed about overall progress of mortgage approval and did all necessary followups to make sure things are closed on time. Both contacted us time to time to see how things are moving at our side. All numbers were explained very properly to avoid any confusion and was offered best possible rate. Thanks Sebastian and Lakshmi. Will highly recommend Vema mortgage for anyone.

I recently worked with Chirag R on my mortgage loan. He is professionally a great person who understands customer needs and brings the best options as per the market situation.The service and personal attention we received from Chirag was exceptional and beyond what we were expecting! What he committed in the initial discussion on mortgage rates and the credits he delivered that. I appreciate his expertise and ability and willingness to work in a short duration that helped us to reach our goals.Buying a first home is incredibly stressful, and for someone without a financial background securing a mortgage is the most confusing part.Initially, I went with other lenders suggested by my realtor. One of them asked a brokerage fee up to $4000 and the other lender who promised me with credits and a low mortgage rate they deviated with higher rates and instead of the credit asked to pay. Basically their intention was to extract as much as a commission from me.I started looking for other option like PenyMac ,Nexa, PenFed etc., it didn’t worked well and I was completely frustrated as time lines for closing was approaching. A friend of mine suggested a Chirag’s name and I texted him on Sunday late evening and within 30 minutes we stated a conversation to get an application read. In a couple of days, I was confident about the processing. While, Chirag and his team were ready for closing before the time.I highly recommend Chirag and his company Vema Mortgage LLC.

Excellent service, provided complete information and educated regarding refinancing and helped get lower rates, I checked with multiple lenders no body could give such service and rates. Also helped by providing closing costs. I would definitely recommend Johnson and his team and this team will be my preferred refinance experts for my next one too.

I’d the privilege of working with Mr. Sebastian George as my mortgage agent. Mr. Sebastian is highly professional, reliable, and very knowledgeable individual. He explained everything thoroughly and always called us back promptly, even after hours. I’m pleased that I chose Vema Mortgage. Mr. Sebastian is an outstanding agent, and I would highly recommend!! Thank you Mr. Sebastian all of your help!!

Vema Mortgage LLC is my mortgage broker for my home purchase. The team lead by Sebastian George is very proactive in making the deals with higher priority. They pay attention in details and explains every minute details to the customer. The pace at which they are operating is highly impressive to close the deals. They do regular follow-up and get the details/documents on time, they are always accessible and equipped with highly professional staffs.

I signed my house yesterday and I have to tell everyone about this. I worked with Mr. Sebastian and he was always one step ahead throughout the process with frequent calls and email follow ups. It made me to be very easy and less stressed. He can clarify anything and everything at anytime. Never hesitates or have been less responsive. Happy to work with him.

An excellent service was provided by Vema mortgage, and especially Sebastian George. He went above and beyond in processing my mortgage and to accommodate the sup[er quick closing need. He guided and helped us in each and every step of the process. Really thankful to him. They had provided a competitive rate and less closing costs compared to all others. I surely recommend them to all my friends n family.

My agent recommended Vema Mortgage LLC. I had the opportunity to work with PT Johnson. I am so happy that I chose Vema Mortgage LLC.As a first-time home buyer, I had lots of questions. Johnson takes the time to ensure that I understand the entire process of closing on a mortgage and is always willing to explain things until I am comfortable. Any questions that I did have he answered promptly and was always professional. His wealth of information helped me to understand the whole process with less effort. He helped me educate as to why the suggested mortgage type was the best option for me. From beginning to end, Johnson was informative, extremely thorough and was making sure that I am getting the best deal possible. Johnson made the whole process incredibly smooth and easy. Thank You Johnson !!!!

I recently had the pleasure of working with Sebastian George from Vema Mortgage LLC for my home loan application. From the moment I began the process, Sebastian's dedication and professionalism were evident. He demonstrated exceptional attention to detail by thoroughly verifying and correcting any issues with my application, ensuring that I experienced minimal inconvenience throughout the entire process.What truly impressed me was Sebastian's commitment to securing the best loan terms for me. He worked tirelessly to ensure that I was at an advantage when it came to the terms of the loan. His expertise and dedication were evident as he guided me through the entire journey.Not only did Sebastian excel in his role as a loan officer, but he also took the time to address any questions or concerns I had along the way. His patience and willingness to provide clear explanations and expectations, truly set him apart.I am grateful for Sebastian's professionalism, guidance, and support during this important financial decision. My experience with Vema Mortgage has been nothing short of excellent, and I wholeheartedly recommend Sebastian George and the team at Vema Mortgage for their service.

Worked with Mr. P. T. Johnson of VEMA MORTGAGE as my Mortgage Lendor, and I can't speak highly enough of his expertise and dedication. He not only guided me seamlessly through the mortgage process but also offered me a very competitive Mortgage Rate.One of the most remarkable aspects of working with our mortgage broker Mr. P. T. Johnson was the personalized attention we received.As a first-time home buyer, I had lots of questions. Johnson takes the time to ensure that I understand the entire process of closing on a mortgage and is always willing to explain things until I am comfortable. Any questions that I did have he answered promptly and was always professional. His wealth of information helped me to understand the whole process with less effort. He helped me educate as to why the suggested mortgage type was the best option for me.Mr. P. T. Johnson's expertise was evident in his ability to secure the best possible terms for our mortgage, ultimately saving us a significant amount of money in the long run.If you're looking for a mortgage agent who combines industry knowledge with exceptional customer service and financial guidance, Mr. P. T. Johnson is your best choice. My experience with him was truly outstanding.

I had the privilege of working with Sebastian as my mortgage agent, and I can't speak highly enough of his expertise and dedication. Sebastian not only guided me seamlessly through the mortgage process but also offered invaluable insights into finance and current housing trends.Sebastian's financial acumen ensured I secured an excellent mortgage rate, and his ability to adapt to market changes was impressive. He was always approachable, responsive, and professional, addressing all my questions promptly.If you're looking for a mortgage agent who combines industry knowledge with exceptional customer service and financial guidance, Sebastian is your best choice. My experience with him was truly outstanding.

Vipul Ghanshyambhai Hapani is a great advisor and provides the right direction at the right time. He is very easy to contact and very responsive each time. Also he is very efficient and makes our job easy and helps us till the closure. The process was very clearly explained till the closure and now I got my home key without any hurdle with good rate/credit. Thanks Vipul and team.

Sebastian George at Vema Mortgage LLC is my mortgage broker and he is the best. Interest rates offered by him are very competitive compared to other lenders or brokers in the area. He maintains transparency in each and every step and explains everything in detail. Looking forward to working with him again for refinancing. Highly recommend him.

Successfully closed on my new home!! I had an amazing experience working with PT Johnson, so easy to work with him. He provided very simple and clearly laid out process steps, I followed the instructions, submitted the documents on-time and the entire process went very smooth. I have heard stories where buyers had horrifying experience and they ended-up with either delayed closing or had to change their lender. But none of that with P.T. Johnson, he got me rates that nobody could offer, forget about beating it (I got quotes from National Banks, Credit unions, Online lenders, local loan officers). He was always responsive to my text messages and off-work hour phone calls, a quality I really appreciated. I highly recommend him.

Second review:Recently approached Vipul for refinancing through Vema mortgage. The process was smooth. Vipul always goes extra mile to answer all the details well in advance. Makes it so much easier. Will definitely work with him again!. I again highly recommend Vipul and Vema mortgage to anyone.First review:I must say it has been an absolute pleasure working with Vipul and Vema Mortgage LLC. Being a first time buyer there are a lot of questions on which you need guidance. Vipul was patient and answered all of them with best interest to us!. Very professional and always trying to help us. Overall the process was very smooth with flawless communication. I highly recommend Vipul and Vema Mortgage LLC.

This was my first home that I bought and first mortgage too. I had amazing experience working with Sebastian George (mortgage broker). He made my home buying journey hussel free. He explained me and worked all steps of home loan and worked even on weekends that helped me close the deal within 15 days. I got lowest mortgage rate from Vema Mortgage LCC too. I will recommend Vema Mortagage and Sebastian for quick and hussel free closing.

5 star review for this amazing team, especially to Sebastian George!! They work almost every day, super responsive and super quick in closing. Irrespective of the silliest question they're always ready to help. I'm a first time home buyer and had too many questions and doubts. But Sebastian was calm and easy to talk to, cleared everything. There were few complications during my mortgage process, thanks to Sebastian we worked on each of them in a timely manner and closed on time!I shopped around with different lenders & Vema mortgage provided the lowest rate possible at this time. I will definitely work with these folks for my future homes!! Thank you!!

I recently purchased a home and my loan officer was Mr. PT Johnson of Vema Mortgage LLC. I have worked with many loan officers for purchasing home or refinancing mortgages in the past, but Mr Johnson stood out to me the most. He was very courteous and professional and above all on task during the entire process. His communication was very clear and explained to me about the process, required documents and clarified all my questions. They offered a very competitive rate and worked with title attorney to close the transaction on time.I highly recommend Mr. Johnson and Vema Mortgage for your mortgage needs.

Vipul is very excellent at explaining the Loan processSuper informative in explaining all steps in loan processingVery helpful and available all timesHad very good experience working with Vipul from end to end mortgage process

I had an outstanding experience working with Vema Mortgage. They were incredibly reliable, always acting promptly and coordinating seamlessly with the title company. The closing process was smooth, and I had no worries at all. What stood out was their constant availability to clarify any doubts I had, making the entire process transparent and stress-free. Moreover, they offered me the best rates, and their straightforward approach was truly commendable. I highly recommend them and am giving a well-deserved 5-star rating. Thank you for the exceptional service!

I had the pleasure of working with Chirag Rachhadia as my mortgage loan officer, and I couldn’t be more satisfied with the experience. From the very beginning, Chirag demonstrated a deep understanding of the mortgage process and was incredibly responsive to all my questions and concerns. He guided me through each step with patience and clarity, making what could have been a stressful process feel smooth and manageable.Chirag’s professionalism, attention to detail, and commitment to finding the best mortgage options for me were truly impressive. He went above and beyond to ensure I understood every aspect of my loan, and his dedication to customer service was evident throughout the entire process. Thanks to Chirag, I felt confident and well-informed in my decisions.

Working with P.T. Johnson at Vema Mortgage LLC was an outstanding experience. As a Loan Officer, his expertise and dedication were evident from our first interaction.His assistance throughout the loan process was excellent, characterized by prompt replies that never left me waiting.What impressed me most was Mr. Johnson’s commitment to meeting closing deadlines. He navigated through every challenge with a solution-oriented mindset, ensuring a smooth and timely closure.His proactive approach and thorough communication made a typically complex process feel effortless.I highly recommend P.T. Johnson to anyone in need of a reliable and proficient Loan Officer. His exceptional service and attention to detail are what set him apart in this industry.

Purchasing an investment home as a second-time homebuyer, I found working with Vipul Hapani to be an exceptional experience. He was consistently available to address any inquiries I had, significantly reducing the stress of the process. I got the good interest rate, and the closing costs were remarkably close to the initial quote provided. Vipul's availability and transparency throughout the transaction made the entire process seamless and straightforward.

Being one of the most experienced mortgage agents in Michigan, Sebastian is able to help in every step of mortgage borrowing flawlessly with all the necessary guidance and giving the best possible interest rate with the lowest possible closing cost, We bought two houses and he was fabulous with our mortgage needs. Thank you Sebastian!!

Extremely delightful experience to work with Vipul from Vema Mortagage . He made the process easy to go thru . Was their to guide and very responsive to queries at every step of Process.I would highly recommend him .-Kaustubh

I recently had the pleasure of working with Sebastian George from Vema Mortgage, and I must say, the experience was exceptional.Sebastian's expertise and commitment to securing the best mortgage deal for us were truly remarkable. Throughout the process, he provided clear and transparent communication, making a complex procedure easy to navigate. Sebastian's dedication to understanding our financial goals and negotiating the best terms for our mortgage went above and beyond our expectations.Working with Sebastian felt like having a knowledgeable ally on our side. He took the time to explain every detail, ensuring we felt confident and informed throughout the process. His personalized approach and customer-centric attitude set a high standard for service.I highly recommend Sebastian George for anyone seeking mortgage assistance. Thank you, Sebastian, for your outstanding support!

I recently had the pleasure of working with Vipul Hapani from Vema Mortgage, and I must say, the experience was exceptional.Vipul expertise and commitment was Great..Throughout the process, he provided clear and transparent communication to the Loan Refinance Process.Vipul took the time to explain every detail, ensuring we felt confident and informed throughout the process. His personalized approach and customer-centric attitude set a high standard for service.I highly recommend Vipul Hapani for anyone seeking mortgage assistance. Thank you, Vipul for your outstanding support! Looking forward to work with you in future for the Next Refinance when rates go down

I had the pleasure of working with Vipul Hapani from Vema Mortgage during my recent home purchase, and it is an impeccable experience. Throughout the entire process, Vipul demonstrated exceptional professionalism, deep knowledge of the mortgage industry, and a genuine commitment to ensuring my needs were met.From the initial consultation to the closing day, Vipul was incredibly responsive and proactive in guiding me through each step of securing a mortgage for my primary home. They patiently answered all my questions, provided clear explanations of complex financial terms, and consistently kept me informed about the progress of my application.What stood out most was Vipul’s dedication to finding the best financing options tailored to my financial situation. They worked diligently to secure a competitive interest rate and ensured that all paperwork was handled efficiently, which made the entire process smooth and stress-free for me.In addition to their professional competence, Vipul also impressed me with his friendly demeanor and genuine interest in my satisfaction as a client. They truly went above and beyond to deliver exceptional service, making me feel confident and supported throughout the home buying journey.Overall, I am extremely satisfied with my experience with Vipul/Vema and would wholeheartedly recommend them to anyone looking for a reliable and knowledgeable loan officer. Thank you, Vipul for helping me achieve my dream of owning a home!lIf you are in market for home loan, just call Vipul Hapani.

Vipul Hapani (Vema Mortgage) and his team went above and beyond to make buying our first home an incredibly easy and straightforward process. They were quick to respond to any questions, even outside of normal business hours. From start to finish, Vipul made the entire home buying process incredibly smooth and easy.Overall, I am highly recommend Vipul and Vema Mortgage Services to my friends and other home buyers. Their professionalism, expertise, and dedication to customer satisfaction truly set them apart and made the entire loan process journey easy for buyers.

Working with Mr. Sebastian George was pleasant and informative. He explains the process clearly with the upmost and honest professionalism. This was important to me since I was a first time home buyer.Thank you so very much for all of your help in securing our loan for our new home. I will recommend him to every person I know who is in need of financing.

Recently worked with Chirag from Vema Mortgage as a lender for my home buying process and it was a great experience overall. He was informative, transparent with the rates and fees, responsive and always available for any questions I had during the loan processing. I highly recommend him for his service and wouldn’t hesitate to work with him in the future.

I had an excellent experience working with Vipul as my home mortgage broker. He secured the best possible rate in the market with the least amount of fees, which made the entire process smooth and affordable. Vipul also provided invaluable tips for better financial planning, which has helped me immensely. Given his expertise and dedication, I will definitely choose him for any future mortgage needs. I highly recommend Vipul and Vema Mortgage.

I had the absolute pleasure of working with Chirag Rachhadia as my mortgage broker and I cannot recommend him highly enough! From the very start, he was incredibly patient and thorough, answering all my questions (multiple times) and guiding me through each step of the process with expertise and professionalism. Despite several unexpected delays that pushed our closing date, Chirag stayed on top of everything, making sure I was informed and reassured throughout.On closing day, we encountered a last-minute issue with a difference in the payment amount. Without hesitation, Chirag went above and beyond by using his personal credit card to cover the difference to ensure the deal went through smoothly. His dedication and willingness to go the extra mile truly speak to his commitment to his clients.I couldn’t have asked for a better partner in securing my home loan, and I’m already looking forward to working with him again in the future. Thank you, Chirag, for making the home-buying process stress-free and successful!

Sebastian George is an excellent knowledgeable guy when it comes mortgage process, without his help my loan process would not gone so smoothly, he explained each and every step of the process.I strongly recommend him for the mortgage loan.Thanks you Sebastian for being so wonderful and gracious to me during the entire process.

I recently bought a home 2 weeks ago near Charlotte area and worked with Vipul Hapani. This was my first home purchase. Vipul was extremely good in the loan origination process. I talked to multiple loan officers across different banks but Vipul gave me the best interest rate. He kept his words throughout the process and made sure I understand what all options I had for the loan. He was also extremely responsive and answered all my questions in a timely manner. I highly recommend Vipul Hapani to anyone who is looking to get a loan for a new home purchase.

Happy to highly recommend Vipul from Vema Mortgage for all your mortgage needs. I have used him a couple of times in the last 2 years and he has been exceeded my expectations every single time. Super professional team and highly responsive, he has been my phone a friend throughout the mortgage process. And i dont even know how he can close the loan in 3 weeks :-)

I recently had the pleasure of working with Vema mortgage, and I couldn't be happier with the experience. From start to finish, Sebastian made the entire home buying process incredibly smooth and easy. Their expertise gave me confidence and peace of mind as I navigated through the complexities.Overall, I highly recommend Vema Mortgage to anyone in need of a mortgage. Their professionalism, expertise, and dedication to customer satisfaction truly set them apart.And not to forget they got me a great rate. 5 Stars.

The most arrogant and not trust worthy group… has no shame to keep lying.Verbally they say everything ok, but does differently. Till you agree to process the loan, they are very nice. After you agree to proceed they try to make the matters complicated and show it’s a very difficult task by asking unnecessary documents.They attempt to slip in thousands of dollars, even for services required.Their inability to process proper loan has caused major financial loss especially the first time home buyer’s rebate program.Hesitation to give estimated (DRAFT) disclosure statement prior to closing is the reason to slip in additional charges to the client.Act as if knows everything, and great in fabricating up all rules related to mortgage and closing, may be a trick to trap customers.Summary, not a trust worthy dependable one! Don’t do what they say!! Mountain of fabricated Errors!!

I recently had the pleasure of working with Vema mortgage, and I couldn't be happier with the experience. From start to finish, Vipul made the entire home buying process incredibly smooth and easy.Overall, I highly recommend Vema Mortgage to anyone in need of a mortgage. Their professionalism, expertise, and dedication to customer satisfaction truly set them apart.5 star.

I recently had the pleasure of working with Vemo Mortgage for my home purchase, and I couldn't be happier with the experience. From start to finish, the process was smooth and efficient, making what could have been a stressful experience incredibly easy.A special thanks to Johnson, our loan officer. He was exceptionally informative, taking the time to explain every step of the process clearly. His patience and knowledge made me feel confident and well-informed throughout the entire journey.

Vema mortgage officer Sebastian George worked with me in every step for the loan approval, He was very prompt and followed up with me to get all the documents much prior to the closing date. I would definitely recommend Vema mortgage and Sebastian for loans and they are very good people to work with for your home purchase to go smooth.

I want to give 4.5 rating.Aug 14 2024 closing was done this is my 3rd loan with VAMA mortgage. Each time had different experiences.Working with PT Johnson or Sebastian is great. Communication or timely closing process was smooth.Reason I didn't give 0.5 rating because the underwriter team is kind of PAINFUL work with them on this 3rd loan. To many paperwork to prove you have good credit and/or you are able to pay your loan.I wish they less cross verify and flexible or replace with new teamI had loans with other lenders and credit union they won't cross examine too many things that not needed.

Working with Sebastian George from Vema Mortgage has been an absolute pleasure. From the very beginning, he was attentive, responsive, and incredibly helpful throughout the entire process. He guided us through each step, answering all of our questions with patience and clarity. His expertise in the field made us feel confident in our decisions, and his dedication ensured that everything went smoothly and efficiently. We couldn't be happier with the service we received, and we highly recommend Sebastian George to anyone in need of a mortgage lender. Thank you for making this experience stress-free and positive!

I recently refinanced my home with Vipul and I couldn't be happier with the experience! From start to finish, Vipul was professional, knowledgeable, and responsive. He explained everything clearly, answered all my questions, and made the process smooth and stress-free.The rates and terms offered were very competitive, and Vipul worked hard to ensure I got the best deal possible. His attention to detail and dedication to customer satisfaction are truly impressive.I've already recommended Vipul to friends and family, and I would highly recommend him to anyone looking to refinance their home. Thank you, Vipul, for an exceptional experience

Sebastian George with Vema Mortgage, was a pleasure to work with, from start to finish. He offered us the lowest interest rates compared to anyone else. He was knowledgeable, resourceful and patient. He was always reachable and guided us through all paperwork. I would highly recommend Sebastian and his team to help with financing your home!Thanks Seby!

I had an exceptional experience working with Mr P.T Johnson throughout my loan process. From start to finish, he was incredibly helpful, knowledgeable, and informative.His expertise made a significant difference in navigating the complexities of the loan application, and he always took the time to answer my questions thoroughly and patiently.What stood out the most was Mr Johnson's commitment to ensuring I understood each step of the process. He provided clear explanations and valuable insights, which gave me confidence and peace of mind.His professionalism and dedication to customer service were truly impressive.Thanks to Johnson, I felt supported and well-informed at every stage and for making this experience smooth and stress-free.I highly recommend him to anyone seeking a knowledgeable and trustworthy loan officer.

I had an exceptional experience working with Mr P.T Johnson throughout my loan application process. His expertise made a significant difference in navigating the complexities of the loan application, and he always took the time to answer my questions thoroughly and patiently. His professionalism and dedication to customer service were truly impressive.Thanks to Johnson. I highly recommend him to anyone seeking a knowledgeable and trustworthy loan officer.

Flegy Abraham from Vema Mortgage provided exceptional service throughout the entire loan process. His professionalism, attention to detail, and deep knowledge of the mortgage industry made everything so easy to understand. Flegy was always available to answer my questions and worked tirelessly to ensure I got the best possible rate. I couldn’t have asked for a smoother experience. Highly recommend Flegy for anyone in need of a reliable and trustworthy loan officer!

I recently completed a refinancing with Vema Mortgage, and I'm beyond pleased with the experience. Vipul Hapani guided me through the entire process with incredible expertise, attention to detail, and dedication. He was proactive in addressing my questions, explaining each step in a clear and straightforward manner, and always kept my best interests in mind. Vipul went above and beyond to secure an excellent rate and terms that aligned perfectly with my financial goals.Vipul’s professionalism, honesty, and commitment to exceptional service set him apart. He took the time to understand my needs and ensured that I felt confident and well-informed throughout. His communication was top-notch – I never had to worry about being left in the dark or uncertain about the next steps.Vema Mortgage as a whole demonstrated the same level of quality and customer-centered service. Their process was efficient, transparent, and tailored to meet my unique needs, with a dedicated team that made refinancing as smooth as possible. If you’re looking to refinance, I highly recommend Vipul Hapani and Vema Mortgage. Their expertise, integrity, and client-focused approach make them a standout choice!

We recently completed our refinance with Vipul Hapani from Vema Mortgage, and the experience was exceptional. Vipul offered the best rate I found across all other firms, which was crucial in my decision to work with him.The process was seamless from start to finish, completed in just three weeks. Vipul was quick to respond to any questions we had, and his responsiveness helped move the process along smoothly.We even managed to close everything online, making it extremely convenient. He went above and beyond to accommodate my needs, ensuring a straightforward experience without any stress.I've already referred Vipul to my community and friends, and they have been equally impressed and happy with his service. Highly recommend Vema Mortgage and Vipul Hapani for anyone seeking a reliable and efficient refinancing option.

I cannot speak highly enough of my experience working with Vipul during my recent mortgage refinance. His expertise and dedication made what could have been a stressful process smooth and straightforward.Vipul went above and beyond to secure the best possible rate for my refinance. He took the time to thoroughly explain all my options and helped me understand which terms would work best for my financial situation. His deep knowledge of the mortgage market and attention to detail ensured I got the most competitive rate available.Throughout the process, Vipul was incredibly responsive and professional. He promptly answered all my questions, kept me updated at every stage, and made sure all paperwork was handled efficiently. His exceptional service made me feel valued as a client and confident in my refinancing decision.I highly recommend Vipul to anyone looking to purchase or refinance a home. His combination of expertise, professionalism, and genuine care for his clients' needs makes him an outstanding loan officer.

I had an opportunity to work with Sebastian George from Vema Mortgage on my first home purchase in the Austin Area. The whole process was very smooth, and he guided me through all the process in detail to make sure I was comfortable. He is very knowledgeable about the mortgage industry and his commitment is very high. He made sure I had all the options on the table, explained the details and made sure that I benefited the most from selecting the right option.I would strongly recommend him to anyone looking for a home loan.

I had an outstanding experience with Vema Mortgage LLC, thanks to my agent, Sebastian. From our first conversation, Sebastian was professional, knowledgeable, and attentive to my needs. He clearly explained all my options and kept me informed throughout the entire process. His dedication to securing the best terms for my mortgage was evident, and he made the experience smooth and stress-free. I highly recommend Vema Mortgage and Sebastian for anyone in need of a reliable and supportive mortgage lender.

I recently went through the process of refinancing my home mortgage, and I couldn’t have asked for a better experience, all thanks to my loan officer , Vipul. From start to finish, Vipul was incredibly transparent, always keeping me informed about each step. His communication was outstanding he was available whenever I had questions and always provided clear, straightforward answers. His transparency made me feel confident and secure throughout the process. I highly recommend Vipul to anyone considering refinancing; his professionalism and dedication truly amazing!!

I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance.I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

I recently had the pleasure of working with Vipul at Vema Mortgage LLC for my refinance, and I couldn't be more impressed with the service I received. Vipul's expertise, attention to detail, and dedication to ensuring the best possible outcome made the entire process seamless and stress-free. He went above and beyond to answer my questions and kept me informed every step of the way. Thanks to his extraordinary work, I secured a great rate and feel confident in my decision. I highly recommend Vema Mortgage LLC and Vipul for anyone considering a mortgage or refinance – truly exceptional service!

It was a wonderful experience working with Sebastian George from Vema Mortgage. He was quick in replying to our questions and concerns. It was very easy to communicate with him. He was incredibly helpful throughout the entire process. He helped us in making some decisions to close the deal. He is even available in answering our questions after closing. We highly recommend Sebastian George if someone is in need of a mortgage lender. Thank you for your help and support.

I would like to express my sincere appreciation to Vipul Hapani for providing me with exceptional service. Their professionalism, attention to detail, and dedication to securing the best possible loan terms made the entire process smooth and stress-free. I can confidently recommend him to anyone in need of financial assistance, knowing they will receive the same outstanding service that I did. Thank you for your excellence in service.

I had a great experience with Johnson from Vema Mortgage, while buying a house in NJ. He was extremely responsive to all different questions I had and guided me in the right direction. He provided best mortgage rates in the market with zero refinancing fees and received clear to close in just 8 days!!Highly recommended!!

We recently completed the loan closing process, and it was an outstanding experience from start to finish. Vipul was incredibly knowledgeable, walking us through each step and ensuring we understood all the details. Vipul provided clear and prompt communication, addressing any questions we had and keeping everything on track.The closing itself was seamless and stress-free. Highly recommend for anyone seeking a smooth, professional, and thorough loan closing experience!

We had an excellent experience with Vema mortgage. The entire mortgage process was smooth and completed within three weeks, which was faster than expected. Our representative Vipul Hapani was knowledgeable, responsive, and took the time to answer all our questions, ensuring we understood every part of the loan terms. We received a competitive rate, and all fees were transparent from the start. Closing was convenient and stress-free. Overall, we highly recommend Vipul Hapani & Vema mortgage and would definitely work with them again.

I recently had the pleasure of working with Johnson during my home buying process, and I couldn't be more satisfied with the experience. From the very beginning, he demonstrated exceptional professionalism, knowledge, and dedication.Johnson took the time to thoroughly explain every step of the mortgage process, ensuring I understood all my options and felt confident in my decisions. He was always available to answer my questions, no matter how small, and provided timely updates, which made the entire process smooth and stress-free.What truly sets Johnson apart is his genuine care for his clients. He went above and beyond to secure the best possible rates and terms for my mortgage, and his attention to detail was impeccable. His friendly and approachable demeanor made me feel comfortable and supported throughout the entire journey.I highly recommend Johnson to anyone in need of a mortgage manager. His expertise, dedication, and outstanding customer service are truly unmatched. Thank you, Johnson, for making my dream of homeownership a reality!

I had an outstanding experience with Sebastian from Vema Mortgage. From the very beginning, he demonstrated his expertise, and a genuine commitment to ensuring my mortgage process was smooth and stress-free. He provided clear guidance throughout the entire transaction and I was very comfortable asking any questions that I had along the way. I highly recommend Sebastian & Vema Mortgage to anyone looking for competitive mortgage rates and a trustworthy lender.

I recently secured a mortgage loan with the help of Mr. Vipul Hapani, and I couldn't be more pleased with the experience. He was highly professional, always available to answer my questions, and provided clear guidance every step of the way. His transparency and commitment made the entire process smooth and stress-free. I highly recommend his services to anyone in need of a reliable loan officer.

We are beyond thrilled with our experience at Vema Mortgage! From the moment we started the process, Johnson was incredibly helpful and supportive. His dedication and expertise truly made a difference, guiding us every step of the way. Thanks to his hard work, we secured our mortgage in just 15 days, making our dream of homeownership a reality. I can't thank Johnson and the Vema team enough for their outstanding service. If you're looking for a trustworthy and efficient mortgage partner, I wholeheartedly recommend Vema Mortgage!

We recently bought our mortgage loan through Mr Sebastian George from Vema mortgage. We had a great experience working with him.Throughout the process, he was very responsive and provided clear and transparent communication. He is incredibly knowledgeable, professional and always available to answer our questions.All went through nicely and hassle-freeI highly recommend Sebastian George for anyone looking for mortgage. Thank you, Sebastian, for your outstanding support.

I recently bought my home loan through Vema mortgage and worked with Sebastian George from Vema mortgage.I had an excellent experience working with Mr. Sebastian George.His expertise and knowledge helped a lot as we purchased our first home.Throughout the process, he provided clear and transparent communication. He is incredibly professional, knowledgeable, and always available to answer my questions.The process was smooth and stress-free.I highly recommend Sebastian George for anyone seeking mortgage assistance. Thank you, Sebastian, for your outstanding support!

I had an opportunity to work with Sebastian George from Vema Mortgage on my first home purchase in the Austin Area. The whole process was very smooth, and he guided me through all the process in detail to make sure I was comfortable. He is very knowledgeable about the mortgage industry and his commitment is very high. He made sure I had all the options on the table, explained the details and made sure that I benefited the most from selecting the right option. I would strongly recommend him to anyone looking for a home loan

As a first time home buyer, I found Vipulbhai really easy to work with. He was always available to answer any questions and we got the rate we wanted with closing costs being very close to what we were quoted for in the beginning

Purchasing an investment home as a second-time homebuyer, I found working with Vipul ji, to be an exceptional experience. He was consistently available to address any inquiries I had, significantly reducing the stress of the process. We somehow get the good interest rate we thought, and the closing costs were remarkably close to the initial quote provided. Vipul's availability and transparency throughout the transaction made the entire process seamless and straightforward

Vema mortgage officer Sebastian George worked with me in every step for the loan approval, He was very prompt and followed up with me to get all the documents much prior to the closing date. I would definitely recommend Vema mortgage and Sebastian for loans and they are very good people to work with for your home purchase to go smooth.

Worked with Sebastian on my loan for primary residence. He is extremely responsive and great to work with. We were able to close in timely manner and got competitive rates. I highly recommend Sebastian and would come back for refi hopefully soon

Worked with Sebastian for my home lone & have great experience. He was responsive & prompt for any of the message. Done everything on time with competitive interest rate. Great Job

Being one of the most experienced mortgage agents in Michigan, Sebastian is able to help in every step of mortgage borrowing flawlessly with all the necessary guidance and giving the best possible interest rate with the lowest possible closing cost, We bought two houses and he was fabulous with our mortgage needs. Thank you Sebastian

I had an outstanding experience with Sebastian from Vema Mortgage. From the very beginning, he demonstrated his expertise, and a genuine commitment to ensuring my mortgage process was smooth and stress-free. He provided clear guidance throughout the entire transaction and I was very comfortable asking any questions that I had along the way. I highly recommend Sebastian & Vema Mortgage to anyone looking for competitive mortgage rates and a trustworthy lender.

Mr. Sebastian from VemaMortgage came highly recommended by my realtor. He was consistently accessible and responsive, promptly addressing all of my inquiries via phone and email. Despite encountering obstacles in securing financing, Mr. Sebastian's expertise and dedication ensured that he made the impossible possible within the required timeframe.

I got Chirag’s reference from one of my friends. He was an excellent advisor to me throughout out the home buying process. He got me the best rates and even advised me on things that are typically outside of lending to make my experience really smooth and pleasant. I highly recommend him for all of your lending needs. It was an absolute pleasure working with him

Highly Recommended Mortgage Lender! I recently worked with Vipul Hapani for refinancing my mortgage, and the entire process was seamless and professional from start to finish. Vipul delivered exactly as promised with a $0 closing fee, which was a huge relief. He was transparent, responsive, and made the process easy to understand. His professionalism and attention to detail ensured everything went smoothly without any surprises. I highly recommend Vipul Hapani for anyone looking for a trustworthy and efficient mortgage lender. You won’t be disappointed!

I recently had the pleasure of working with Vipul Ghanshyambhai Hapani from Vema Mortgage for my home purchase. Not only he provided the best offer, he also made sure that the entire process was smooth. From the beginning, he was transparent, showed his expertise & professionalism, flexible with the schedule, promptly responded to all of my queries and explained the numbers patiently. I highly recommend Vipul & Vema Mortgage for those who are in the need of mortgage.

I had the pleasure of working with Prashanti as my loan officer, and I couldn't be happier with the experience. Prashanti is incredibly knowledgeable about the mortgage process. She guided me through every step, ensuring I understood what to expect. Thanks to her expertise, I secured the best interest rate available. Her responsiveness to my queries was impressive. No matter how many questions I had, she always replied quickly and thoroughly. Most importantly, she closed my property on time, which made the entire experience seamless. I highly recommend Prashanti to anyone in need of a loan officer!

I had the pleasure of working with Prashanti as my loan officer, and I couldn't be happier with the experience. Prashanti is incredibly knowledgeable about the mortgage process. She guided me through every step, ensuring I understood what to expect. Thanks to her expertise, I secured the best interest rate available. Her responsiveness to my queries was impressive. No matter how many questions I had, she always replied quickly and thoroughly. Most importantly, she closed my property on time, which made the entire experience seamless. I highly recommend Prashanti to anyone in need of a loan officer!

I believe I got an extremely good rate. I shopped around some other places known for great rates and Sebastian's was much lower. It was also quite hassle free and Sebastian was always just a call away to answer all questions. Highly recommend him

I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance. I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance. I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

She helped by guiding me through each step of the process and answered all the questions I had during the process. She is the best of all the people I worked with.

I am happy to work with Vema Mortgage and Mr.Sebastian sir on my application. They are one of the best, trusted and highly reliable lender. Thank for your support and service.

Recently closed a home. Chirag and team guided throughout the process in a timely manner. Offered the lowest quotes and also provided alternatives to lower costs.

Thanks a lot Rama. It's great and very smooth process with you. I really wants to say a big thanks for guiding me and getting benefit out of this deal.

Ram’s team is second to none. They made the mortgage process simple and worked hard to get us a great rate and saved us money

It was great working with Ram Mortgage, they provided good guidance, rate and service and would definitely recommend them.

I had a opportunity to work with Ram Mortgage for my home mortgage and their services are simply exceptional. I highly recommend Ram Mortgage for any mortgage needs.Thanks,

Got Ram Kalagra's contact from a friend of mine. Don't know Ram personally, but the way he helped me finding a house in Charlotte from suggesting which is good or bad and in closing the house was very personal. I really liked working with Ram and I'd suggest him anyday to those who're looking for Home.

Ram Kalagara made pre- qualifying and closing on a home extremely easy and understandable for us being first time homebuyers, would recommend him to anyone looking for a mortgage any day.

Ram Mortgage is very professional, honest, and detailed. They are always there to answer your questions and make sure everything is clear. They work hard and go above and beyond to meet all your needs when buying a home.

I had a great experience refinancing my home. Ram Kalagara made it so easy and always available when I had questions. Explained the process in detail and made it easy to understand. I recommend him highly.

Ram Kalagara was extremely helpful and navigated me through the mortgage process with ease. He laid out all requirements for and was great about following up on any missing information, etc. He was very organized and kept me up to date throughout the whole process. Couldn't imagine working with anyone else.

Had an opportunity to work with Ram who helped me find a beautiful house in Charlotte and also with my home mortgage.He is reliable and very responsive. I would highly recommend to anyone needing exceptional home mortgage/loan service and help with buying new house.

I had an excellent experience with Ram Kalagara and his team. Everyone was available when I needed and very knowledgeable to answer my questions to satisfaction. I was kept updated at every step of the process. They basically made the entire refinance process as painless as I could have hoped for!

Ram Mortgage made the entire process simple, easy, and painless for me. They were always prompt in addressing my questions and concerns, providing accurate and helpful responses. It was a pleasure to work with them, and I highly recommend their services.

I worked with Ram Kalagara twice and both refinance experiences were great. Ram actually contacted me to inform me rates were very favorable to refinance my home loan and saved me money on my payment. I would recommend him to anyone. Excellent service! Thanks!

Working with Ram Kalagara was the best decision that we made during our home buying process. His persistence and diligence made this mortgage process as simple as it could get it. He is always available for questions and help, explaining everything as detailed as possible. I would recommend him to anyone purchasing a home.

Ram and his team were fantastic to work with! They were genuine with their communications, transparent and supportive throughout the entire mortgage process. I don't know how we would've gone through the process of buying a home without them on our side. 10/10 recommend Ram Kalagara and his team at Ram Mortgage, LLC to anyone considering a mortgage loan officer. Very appreciative that we used their services in finding our dream home in Charlotte!

I had the pleasure of working with Ram Mortgage to refinance my current home. I was highly impressed by their great and consistent communication throughout the process. They made the process of providing the necessary documents very easy and were extremely accommodating to my needs. Moreover, they were able to offer me a fiercely competitive interest rate, which added significant value to my refinancing decision. Overall, their assistance was so helpful that I had no desire to look elsewhere for mortgage services.

We got refinance done for our primary home with Ram Mortgage, and we are pleased with the service provided. Firstly, we received best interest rate that exceeded our expectations with the terms that aligns with our near future commitments. Working with Ram Mortgage was incredibly easy and transparent. Their process was clear, and provides all the information needed to make informed decisions. Overall, I am extremely satisfied with their services and would recommend Ram Mortgage to any one seeking refinancing.

This is the second ReFi worked with Ram Kalagara for my mortgage needs, and once again, the experience was seamless. Ram was incredibly responsive, attentive to every detail, and made the entire process easy and stress-free. I highly recommend him and look forward to working with him again in the future!

Ram and his team were incredibly patience and thorough throughout our home buying journey, guiding us from the beginning to the end. Being first-time buyers, we had a lot of questions, and they were always there to provide detailed answers and exceptional care. The entire experience was fantastic from start to finish. Everyone we interacted with was exceptional in their support. The interest rate offered was competitive, and the entire process was handled digitally, which made things convenient. I was amazed that we were able to close on our new home in just 30 days!

I had a great experience with Ram Mortgage. They helped us a lot and knew everything about the process. They were friendly and professional, making us feel like family. My loan was approved just 12 days after applying, which was fantastic. I definitely recommend Ram Mortgage!

I had a fantastic experience with Ram Mortgage. Their communication was seamless, keeping me informed at every stage of the process.They were easy to reach and went above and beyond to secure a very low interest rate for me.Overall, they did an excellent job and worked diligently on my behalf.I highly recommend Ram Mortgage for their exceptional service and dedication to securing favorable rates for their clients.

Ram Kalagara made the mortgage process extremely easy for us with our Refinancing needs at best interest rates. Ram walked us through each step and was always quick to answer our (many) questions. The experience could not have been better.

I had an excellent experience with Ram and his team at Ram Mortgage. They exceeded their initial credit offer by providing me with even more credit. Throughout the process, Ram personally called me multiple times to assist with answering my questions. As a first-time buyer, I had a lot of inquiries, and they patiently and thoroughly addressed each one. Overall, I am extremely satisfied with Ram Mortgage, and I wholeheartedly recommend their services.

It was nice to work with Indra and her team, which was an absolute pleasure throughout the Mortgage process. She patiently explained each step, making the complex easy to understand. She was always available to answer any questions we had throughout the process. I highly recommend Indra and her team if anyone seeking for home loan.

Indra and her team were great with communication. They kept me informed throughout every step of the process. They made it a very stress-free and truly enjoyable experience. They were also great about not only answering my questions promptly, but also explaining things at a level that I could understand as a first-time homebuyer. I look forward to recommending Indra and team to friends and family.

I will highly recommend him for mortgage nee

we had so many meeting back to back to finally get the best rate i could afford

Giri has been great to work with from the day 1

I am glad that I found him Giri is very knowledgeable and answered to all my stupid questions He is very responsive to my calls and questions I closed my home online and overseas and he was very flexible and guided me in all the ways Highly recommend to any home buyers

Giri and the team at APT Mortgage Loan are truly exceptional in their field From the very beginning of our mortgage loan process Giri was professional knowledgeable and made us feel comfortable every step of the way He took the time to listen to our needs and was always available to answer any questions we had no matter how big or smallThe company APT Mortgage Loan Company has a fantastic reputation in the industry and it's easy to see why They provide a smooth and efficient process making the mortgage loan experience stress-free and enjoyable Their attention to detail and commitment to their clients is evident in the high-quality services they provideWe would highly recommend Giri and APT Mortgage Loan Company to anyone looking for a reliable and trustworthy broker Their expertise and friendly approach made our mortgage loan experience a positive one and we couldn't be happier with the results Thank you Giri and APT Mortgage Loan Company for your excellent service

Giri and the team at APT Mortgage Loan are truly exceptional in their field From the very beginning of our mortgage loan process Giri was professional knowledgeable and made us feel comfortable every step of the way He took the time to listen to our needs and was always available to answer any questions we had no matter how big or small The company APT Mortgage Loan Company has a fantastic reputation in the industry and it's easy to see why They provide a smooth and efficient process making the mortgage loan experience stress-free and enjoyable Their attention to detail and commitment to their clients is evident in the high-quality services they provide We would highly recommend Giri and APT Mortgage Loan Company to anyone looking for a reliable and trustworthy broker Their expertise and friendly approach made our mortgage loan experience a positive one and we couldn't be happier with the results Thank you Giri and APT Mortgage Loan Company for your excellent service

Giri helped me refinance my home loan and made sure I got the best rate He is very patient systematic and answered all my questions in a timely manner I would highly recommend Giri

Giri had helped us when we refinanced our home He made the whole process and the documentation very transparent and easy At any given point in the entire loan process I was well informed about what is expected from my end on the documentation front and he tabled the available options(helped us to pick and lock the best rate) in a very transparent manner (I seriously doubt this style of discussion with the other providers) He also helped us on the closing in a local office than travelling all the way to a middle of the town on a peak traffic

I am a first time home buyer Giri and team helped me on locking a better interest rate and Quick Final Approval sign off and was able to complete all process early and was waiting for Closing Lakshmi was so helpful to take me to the overall process and very much patience in answering all my queries as first time home buyer Appreciate your help and Thank you??

Great service and I would strongly recommend Giri team for your mortgage needs Giri is very responsive patient and takes effort to understand the unique needs and helps find the right option I'm very satisfied

Giri helped close the mortgage loan for our small business under an LLC He is very knowledgeable in the space provided many options that fit our criteria He guided us throughout and the process was smooth He has a strong customer focused orientation and would recommend him to anyone who expects a reliable partner in acquiring and closing home loans

The entire loan process seemed so easy and less intimidating and less confusing because of Giri Namasivayam He took care of all of the necessary mortgage needs and paperwork to finalize the loanIn addition I admire his professionalism and found he was very knowledgeable in responding to all my questions effectivelyI thank him for his services and will not hesitate to recommend him highly to anyone that is looking for a smooth mortgage loan process

When I bought my house I spoke with Giri for mortgage he explained me all options available and recommended me a mortgage He was able to get the lowest rate and also the lowest closing cost He is prompt in responding to all the queries and professionally answered all the calls 80% of the homeowners in my community financed though him and all gave a good reference about him I would definitely recommend him for your mortgage needs

Giri was referred by my friend From the time we’re introduced Giri worked hand in hand understanding the need and shared all available options He was very transparent about the information and loan process NWS announced hurricane situation we’re to delay the closing and Giri shared the pros and cons of the each and every available option After considering all options we went ahead with the closingMore than anything we enjoyed working with him Without saying we are very happy with service and we will certainly approach Giri in future transactionWe got the best available rate at that point of time All credit goes to Giri We wish him success

Giri had done an excellent job for us in finalizing our home loan with the options listed in a neat fashion He is the best go to person I would ever recommend to any of my friends

The service provided by the Apt mortgage loan LLC is excellent The loan officer Giri Namasivayam is totally focused on customer needs and offered the best service First he gave a decent mortgage rate to start with But when the rate decreased further after 10 days he tracked continuously and called me after the office hours to lock the new low rate and apply for new loan application This helped save significant mortgage payment per month Further Giri is very knowledgeable in this loan process very patient and gives valuable advises as well I highly recommend working with Giri as well as his associate Lakshmi

Giri and Team did a great job They helped me in closing on time to make sure I move into new home without extending my lease Also walked through all the process and explained the each task in detail for better understanding

Apt Mortgage Loan - Highly RecommendI recently had the pleasure of working with Apt Mortgage Loan and I have to say it was an amazing experience The consultants are extremely knowledgeable and were there to support me every step of the way What I appreciated most was their consultative approach - they were never pushy or salesy Instead they took the time to understand my needs and provided expert adviceI would especially like to call out Giri who went above and beyond to ensure everything ran smoothly He was always available to answer any questions I had and was diligent in his work I felt confident in his expertise and appreciated his transparency throughout the processOverall I highly recommend Apt Mortgage Loan Their team is top-notch and their customer service is exceptional Thank you for everything

My friend booked a house and they were planning to finance it though the builder But due to some complex situation the builder was threatening to cancel the contract if it was not closed within 2 weeksI called Giri and he said we can do it Giri and Lakshmi from APT worked tirelessly for 2 weeks and got it approved and funded through Provident Funding Something the builder said was not possible After it was closed and I quote the builder I've never seen a loan approved this fast beforeThis is the third friend I've referred APT mortgage to Every time they came with flying colorsWould definitely recommend it

We had the pleasure to work with Shyam Ramasamy who is very knowledgeable professional and detail oriented He helped us every step of the way in our home buying process He worked very hard to get us the best rates in current market conditions He answered all of our questions with such ease Highly recommended

Giri from Apt Mortgage was very supportive and helpful during our difficult times We were in a tight time frame Giri and Lakshmi stood with us through out the process and completed everything within 2 weeks of time which was near to impossible We will always be grateful for all that they have done for us The guidance and clear process walkthrough helped us a lotClosing the home we call ours now would have not be possible without Giri I now always recommend Giri to all my friendsThank you Giri for all that you have done and we will always be

Giri and Lakshmi helped us through a difficult home buying process always looking for the best rate and rolling with the changes They were always knowledgeable professional and helpful Highly recommended

Thank you very much Shyam Team for all of your help in securing our loan for our new home You were Organized thorough and professional Also shared lot of information related to financing re-financing and all stuff related to loan process You are my friend now and good adviser more than just helping with one Loan stuff Thank you again for all your help and advice I wish you good luck and I strongly recommend you to my friends

We had a fantastic experience with ShyamThank you so much for making our home buying experience a pleasant one With any home purchase there can be many pitfalls Extremely capable and supportive Shyam helped us through the whole process with ease and a personal touch Shyam’s prompt replies to my questions and eagerness to run different mortgage scenarios for us really helped us find a mortgage that fits our needs Thank you again for all your help It’s truly a pleasure and always easy to work with Shyam

I couldnt ask for a better mortgage agent Giri was excellent by being on top of things and was available anytime to clarify any questions you might have It wasn't my first property purchase but it was definitely my first purchase when i knew my agent was working towards my interest My purchase had multiple hurdles along the way but with Giri all of those seemed like a minor speed bump in what was otherwise a smooth ride I would highly recommend Apt Mortgage especially Giri Namasivayam

From the outset Giri's Apt Mortgage lending services were nothing short of exceptional One of the aspects that truly stood out was their customer-centric approach Every interaction was personalized making me feel more like a valued partner than just a clientThey offered a range of options tailored to suit my unique financial situation This bespoke approach allowed me to secure the financing I needed under terms that were both fair and advantageousMoreover Giri's commitment to ethical lending practices was evident Their honesty and integrity in all dealings instilled a sense of trust and confidence in their services They were not just about closing a deal; they were dedicated to ensuring the financial wellbeing of their clients a trait that is rare in the industryOverall my experience with Giri’s Apt Mortgage was outstanding Their professionalism expertise and genuine care for their clients' needs set them apart in the world of real estate finance I would wholeheartedly recommend their services to anyone looking for a reliable knowledgeable and ethical real estate lender

Buying a first home is incredibly stressful and that being in Texas is the most confusing partMr Giri was able to boil down all the rates and acronyms into logical information that we need to make the right decision His personal attention to my needs was great comfort to me His countless calls messages updates and most critically very sound advice with lots of patience were the best part He is a first-class professional whose trust he carefully earned and am sure will keep for many years to come I have utmost confidence recommending him as your mortgage lender

We recently had an excellent experience working with Giri to close the mortgage on our first home He was very professional aware of the current market prepared us for a smooth and quick loan process We are glad to have worked with him and strongly recommend him

Giri is the apt person for mortgage loans He is very knowledgeable friendly and proactive can be reached anytime for any doubts related to mortgage loans and market dynamics He provided me with different loan options and helped me to get best deal in the marketThank you Giri for your wonderful support

Giri is a wonderful person Very responsive knowledgeable to the process Always thinking and trying to do the best for the customers They did better than what the offer and discount I got from the builder’s preferred mortgage company Very patient to my concerns and questions The best loan officer I ever encountered Thank you for being so wonderful and gracious to me during the entire process

Giri was referred by my friend. From the time we’re introduced Giri worked hand in hand understanding the need and shared all available options. He was very transparent about the information and loan process. NWS announced hurricane situation we’re to delay the closing and Giri shared the pros and cons of the each and every available option. After considering all options we went ahead with the closing. More than anything we enjoyed working with him. Without saying we are very happy with service and we will certainly approach Giri in future transaction. We got the best available rate at that point of time. All credit goes to Giri. We wish him success.

The entire loan process seemed so easy and less intimidating and less confusing because of Giri Namasivayam. He took care of all of the necessary mortgage needs and paperwork to finalize the loan. In addition, I admire his professionalism and found he was very knowledgeable in responding to all my questions effectively. I thank him for his services and will not hesitate to recommend him highly to anyone that is looking for a smooth mortgage loan process

Giri had helped us when we refinanced our home. He made the whole process and the documentation very transparent and easy. At any given point in the entire loan process, I was well informed about what is expected from my end on the documentation front and he tabled the available options(helped us to pick and lock the best rate) in a very transparent manner (I seriously doubt this style of discussion with the other providers). He also helped us on the closing in a local office than travelling all the way to a middle of the town on a peak traffic.

Giri and the team at APT Mortgage Loan are truly exceptional in their field. From the very beginning of our mortgage loan process, Giri was professional, knowledgeable and made us feel comfortable every step of the way. He took the time to listen to our needs and was always available to answer any questions we had, no matter how big or small. The company, APT Mortgage Loan Company, has a fantastic reputation in the industry and it's easy to see why. They provide a smooth and efficient process, making the mortgage loan experience stress-free and enjoyable. Their attention to detail and commitment to their clients is evident in the high-quality services they provide. We would highly recommend Giri and APT Mortgage Loan Company to anyone looking for a reliable and trustworthy broker. Their expertise and friendly approach made our mortgage loan experience a positive one, and we couldn't be happier with the results. Thank you, Giri and APT Mortgage Loan Company, for your excellent service!

Giri has been great to work with from the day 1 we had so many meeting back to back to finally get the best rate i could afford I will highly recommend him for mortgage need

Giri helped me in closing a house deal from starting to end. He was there all through the process and clarified my doubts, even though the same question multiple times.I will definitely work with giri for my future purchases and will recommend him to my friends.

Giri and Team did a great job. They helped me in closing on time to make sure I move into new home without extending my lease. Also walked through all the process and explained the each task in detail for better understanding.

I am a first time home buyer , Giri and team helped me on locking a better interest rate and Quick Final Approval sign off and was able to complete all process early and was waiting for Closing! Lakshmi was so helpful to take me to the overall process and very much patience in answering all my queries as first time home buyer! Appreciate your help and Thank you!

We recently had an excellent experience working with Giri to close the mortgage on our first home. He was very professional, aware of the current market, prepared us for a smooth, and quick loan process. We are glad to have worked with him and strongly recommend him!