Top-Rated Mortgage Lenders & Brokers in Baltimore Metro Area

Working with Sudhir Agrawal has been an outstanding experience. He helped us close two homes and made the entire loan process smooth, efficient, and stress-free. What truly sets Sudhir apart is his personal dedication — he didn’t just work as a loan officer, he acted like a close friend, guiding us every step of the way to ensure we got the best possible deal. Sudhir was always available, extremely knowledgeable, and incredibly helpful — whether it was answering late-night questions or breaking down complex options so we could make informed decisions. His professionalism combined with a personal touch gave us full confidence in every step of the process. If you’re looking for someone who truly cares, is trustworthy, and will go the extra mile for you, Sudhir is the one. Highly recommend him and Ensure Loans for anyone looking to buy a home!

Sudhir Bhai is the BEST. There is no comparison to him. I highly recommend anyone to reach him first before checking others too. He is super responsive even at midnight. He always wears customers shoes and thinks how can his customers benefit from the situations. He does provide the Best deals.

My clients often share how comfortable they feel working with Sudhir and I’ve seen firsthand how his proactive approach helps prevent delays and keeps everything on track. Whether it’s explaining financing options in detail, staying available for questions, or coordinating seamlessly with title and escrow, Sudhir is a true partner in for future transaction.

I want to take a moment to express my heartfelt gratitude to Sudhir Bhai and wholeheartedly recommend him for anyone's mortgage and lending needs. My experience with him was truly exceptional, particularly as a first-time buyer. Sudhir guided me through the entire home mortgage process with remarkable clarity, ensuring that I fully understood each step along the way. His expertise and patient explanations alleviated any concerns I had, making the journey feel seamless and stress-free. What impressed me most was how Sudhir managed all the details—his meticulous approach and attention to my individual needs made the process incredibly smooth. I felt reassured knowing I could rely on him. When it came time for refinancing, I was pleasantly surprised to find that it was even easier than I anticipated, as Sudhir handled everything expertly and kept me informed throughout. If you're seeking a dedicated professional who will prioritize your interests and make the complex world of mortgages manageable, I cannot recommend Sudhir highly enough.

It was wonderful experience working with Sudhir Agarwal on my recent home purchase, and I can say with full confidence that he is one of the most professional and reliable lender to work with. Sudhir brings a wealth of knowledge and experience. He knows what he is doing and what is the best for his client. I trusted him completely and let him suggest and do what is going to be best for my loan. Afterall he is the expert in this area and that's why I hired him. Then best is to trust him with his calculations to get the best possible for me. What truly sets Sudhir apart is his proactive communication and unwavering commitment to service. He’s always accessible, responds promptly to questions, and takes the time to explain complex financial details. Sudhir has ability to anticipate potential issues and resolve them before they become problems. Sudhir is more than just a lender—he’s a trusted partner. I would highly recommend him to any real estate professional or client seeking a dependable and knowledgeable lending expert.

Sudhir played a pivotal role in helping me purchase my first rental townhome. At the last minute, I had to switch lenders because the builder’s offered rates were much higher than I’d anticipated. In a tough market, I was on the verge of canceling the contract—but Sudhir stepped in as a trusted partner and completely turned things around. He secured a much more favorable mortgage rate, accelerated the necessary procedures, and coordinated seamlessly with the builder and lawyer’s office, treating everything with utmost urgency. Thanks to his efforts, the lowered mortgage rate and additional discounts helped bridge the gap left by the builder’s incentives. I’m truly grateful to know someone like Sudhir, who went above and beyond to make my first rental property a reality. Thank you, Sudhir—keep doing what you!

It was a pleasure working with Sudhir. He is one of the most patient and thoguhtfull people who really listens and works upon the needs of his Client. I had too many questions and back and forth discussions with him and he was patient and answered all my queries. He really looks after you and make sure his clients dont loose money. I would highly recommend him to all my friends. I have already done so and will keep doing. Thank You Sudhir for your diligent work and sincerity.

Working with Sudhir was an outstanding experience. From the very beginning, he made the loan process clear, straightforward, and stress-free. His patience in answering all our questions, attention to detail, and ability to explain complex terms in simple language gave us complete confidence. He was always responsive, kept us updated at every step, and truly went above and beyond to ensure we got the best possible terms. We are so grateful for his professionalism, transparency, and genuine care, and we would gladly recommend Sudhir to anyone looking for a smooth and positive mortgage experience.

In Years Past, Warren has helped me refinance my home twice reducing my debt each time. He is a great guy and you will enjoy him immensely and be pleased by the reduction in your monthly mortgage payments. I highly recommend him to you. :-)

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.

We were thoroughly happy with Vema Mortgage who did a great job right from the start and through the closing. As promised, Sebastian was quick enough to deliver the closing way ahead of time as we were short on time and in dire need of moving as early as possible. We will recommend Sebastian and Vema Mortgage to our friends as he not only gave us the best rate but also helped us in getting hold of our condo in double quick time.

Excellent service... Super fast response.. He concluded my closing within a week Highly recommended

Being a first time buyer, Sebastian's knowledge and working style was of great help. He walked thru every step and guided so well. He gave so many tips about Do's and Don't s. He was available almost all the time, even during late evenings. He helped me to close mortgage on time. The cost of closing was reasonable. I would recommend him for future buyers.

As a first time home buyer, there were lot of unknowns about the mortgage. While we were shopping for mortgage, we happen to talk to Vema Mortgage, represented by Sebastian, and all our concerns were addressed promptly in a very professional manner. He is very friendly and provides excellent services. The rates were very competitive and the closing fees was very minimal. Eventhough we had closed in April of 2016, he still makes contact by sending occasional greeting mails and emails. If I will buy another home, I will surely contact Vema mortagage gain.

Fast service, quick and prompt replies. Always available to discuss and explain over the phone. Helped me buy my first home in Michigan April 2018.

Vema Mortgage and Sebastian is a full package that one can expect from a mortgage broker. Knowledge, prompt responses, streamlined no hassle processing, always at the other end of the phone, at home service and most of all guaranteed best rates with no need to shop around. I have done several refinances with my old and new houses and never faced an issue. Best thing I liked is a call from Sebastian asking if I wanted to refinance on a day/time the rates really fall to rock bottom.

Made my home buying process extremely easy. Very kind and helpful. Would recommend Sebastian to everyone.

Excellent Service VEMA Mortgage and Loan process is very smooth and customer services is very good

He guided me like family and gave very smooth and hassle free experience during the lending process.

We did refinance with Sebastian George in March,2018.The most attractive option about Sebastian is the zero closing cost .Everthing went well and it took only 2weeks the whole refinance process.He is very humble and reliable person .I have recommended him to a few of my close friends and everyone had nice experience with him.He is the best guy I would recommend to give your next refinance!!

Excellent, reliable and quick service!

Awesome person to work with, very prompt service, extremely competitive rates, takes time to explain you all the legal disclosures. Definitely made the entire process super fast and stress free!! Worked with Vema Mortgage Twice and was a great experience both times!!

I first contacted Sebastian through a reference - during our very first conversation over the phone, he made me aware of certain issues I would face if I had applied for a loan given my circumstances at that time. As my situation changed, I was able to re-contact him and get my loan approved with very competitive rates. Sebastian was very helpful in every step of the process and made the whole process stress free, which was contrary to what I had heard about the process. He was always available (even late nights) to answer questions and constantly reminding me of the steps and my obligations; he was also very professional and worked with my agent in a collaborative manner. He also ensured I had all the proper documentation in advance. All this ensured that I was able to close on the house in 3 weeks. Overall, I am very satisfied with Sebastian's great guidance and assistance to making my first home purchase a success. I would strongly recommend Sebastian to anyone else looking for a loan.

Hassle Free, And Transparent : When I bought my first house in April-2011, everybody was telling me that Mortgage is one of the most difficult part of this process of buying home. so when I was looking for houses, i also started contacting Mortgage agents as well proactively. One of my friends recommended Sebastian, and his quotation (HUD) was very transparent with minimal fees among all others. So I decided to proceed with Sebastian. Due to Sebastian: for me getting Mortgage was effortless process. Imagine this: Everything was done over phone/e-mails. I met him in-person during our closing (Off-course you cannot do closing remotely). So after 3 years in 2014, I refinanced same house as better interest rates were available. Again all paperwork was done over phone/e-mail and only closing was done in-person. No hassle at all, very simple , transparent and comfortable experience both times.

Sebastian is prompt, honest and knowledgable. Had great experience in securing my loan at very good rate. Highly recommend.

Sebastian helped out immensely and went out of his way and comfort zone to provide us the smoothest mortgage experience.

I brought home in Novi, Mi and used Vema Mortgage. Good communication and timing for all paperwork. Best interest rates with lower closing costs. Sebastian is very informative and approachable. I will recommend him for my friends.

Very experienced, prompt, easy to deal with, no surprises --We'll highly recommend!

It was an excellent experience to work with Sebastian for my Mortgage refinance in August 2017 . He was extremely responsive for all type of questions I had. He provided best mortgage rates was in Market with ZERO closing fee. I would absolutely recommend to try Sebastian first before going anywhere.

Sebastian (Saaby, Vema Mortgage) has been my mortgage specialist for many years now, and has helped me get the best rates with the lowest costs for home purchases. He has also provided the best solutions for my refinancing needs several times. Saaby studies each customer's specific situation, and provides the customer the most optimal solution. I have recommended him to many of my friends and colleagues, and all of them have nothing but positive comments about him. They are all Saaby's repeat customers now.

Sebastian is very professional, transparent and highly knowledgable. Had great experience in securing my loan at very good rate. I would recommend him.

Mr Sebastian George is a very professional mortgage broker . He explains all mortgage related queries detail by detail . I purchased my first home in 2016 and Sebastain helped to get my mortagage loan approved . Mr .Sebastian is quick and never wastes our time . His main concern is whether a customer is satisfied and comfortable with his mortgage . He is always reliable and prompt .

Sebastian George is very helpful and knowledgeable. He is always accessible on phone to answer any questions that you have with professionally and honestly. I felt he works as our family member rather than Mortgage broker. I would personally recommend him to anyone looking for a home loans.

I would highly recommend to work with Vema Mortgage, Sebastian is really helpful and knowledgeable.

I am happy I chose Sebastian for my home cash-out refi. He was reachable at anytime. The breakdown of fee he provided was very close to the final statement. The interest rate and fees he provided were very competitive and better than other places. I would recommend anyone to contact him for home loans.

The first thing about him he is always reachable. He was able to help me to reduce title cost. Could not find lower lone rate whatever he provided. I believe he is an honest person who really wants to help the borrowers, points out all the options where borrower could spend less amount of money to reduce the closing cost. He makes things transparent, explains in great detail.

I couldn't be more happier with my experience with Sebastian. He got me closed seamlessly. He was very easy to work with, answered my calls and emails within a few hours - even in the evening and on the weekend! I would recommend him to anyone looking for a quick, efficient and stress free closing process!!

I was referred to Sebastian by my friends for a home mortgage. He offered competitive interest rate and closing fees. He communicated well through out the process and the closing was very smooth. No surprises!

Its pleasure working with Sebastian.He is a very honest person and very friendly. Most important thing is he is reachable at any time.Great experience working with him.Highly recommend!

Sebastian is very helpful, informative and knowledgeable. Always accessible on phone to answer any questions that you have. I would personally recommend him to anyone looking for a home loan.

As first time house buyers, Sebastian was very helpful during the process. He was ALWAYS available to me and very informative. I could not be more satisfied with his service.

Sebastian George was really efficient and quickly responsive in helping us with our mortgage. He made things really easy and smooth. I would definitely recommend him to others.

Sebastian is extremely responsive to all of my questions and requests, and is tireless in guiding me through the entire home-buying experience from start to finish. Would highly recommend Vema Mortgage LLC.

He is very reliable, caring, informative and responsive, which is mandatory for first time home buyer. Started feeling to be in safe hands right from day one. He exceeds the expectation of vendor at all scenarios and gives professional/personal guidance. Reliable source of information and outperforms the agent with timely suggestions and responses.

Sebastian was very helpful in getting all things done on time. He works with you closely to make sure that you understand everything while you go through the phase of initial offer acceptance to closing of your home.

Very customer friendly and transparent process. I never had such speed process in my previous loan processing. Great work Sebastian!!

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 !

Sebastian will give a very competitive rate. I have never had to extend the closing date with him. He has been able to process my client's loans well before the closing date every single time. He is hard working and knowledgeable in his field! I'd definitely recommend him.

Sebastian handles the mortgage process in a well organized manner. Very much customer focused and service oriented mentality which enables us to learn the whole process to its fullest detail. He was able to expedite few steps based on our need and we were able to close our home on time. We strongly recommend his services if anyone is in need.

Very helpful

It was an excellent and knowledgeable experience working with Sebastian for my mortgage in September,2017. I first contacted him through a reference – in our very first conversation over the phone, he made me aware of certain issues I would face during my loan application and he suggested me few measure I can take to make my mortgage application process seamless. He provides best mortgage rate in town based on your current situation. He is very professional as well as friendly. He made my loan process stress free and we were able to close on the house in just 10 days. He is always available to answer your questions related to mortgage, refinancing options or home owner’s insurance at any time. I would recommend Sebastian strongly specially to 1st time home buyers as well as for refinancing your home. Just talk to him before going to anyone else.

Exceptional service. Very knowledgeable and great quality work. My closing was very smooth. I will strongly recommend to my friends.

I've been worked with Sebastian George closely from June 2018 and he helped a lot on the loan process. He was very friendly nature and very quick responsive at anytime, even week ends too. He was very knowledgeable and nice person.

My experience with Sebastian was awesome. He takes his time to explain you all Informations related to mortgage. He is extremely responsive to all questions.I highly recommend Vema Mortgage.

Excellent knowledgeable and friendly. Couldn’t have asked for anything more when I bought my first house and started my mortgage / investments in Jul 2015. Without any doubt my only choice and highly recommend his services.

Have known Sebastian from Vema for a longtime. He provided his services for my last two closings. He is honest, friendly,straight and no non-sense guy and my home closings were pretty smooth. Wouldn’t hestitate to use him again and I would highly recommend him.

Sebastian did a great job helping me and my family purchase our new home. He helped us find the best option for us and walked us through every step of the way. Sebastian was always available to answer questions and he communicated very well throughout the entire process. I highly recommend using Vema Mortgage LLC for your lending needs.

Excellent service!! I would recommend Verma mortgage (sebastian) to all my friends and family. He will walk you through each and every step of the refinancing process. Very much satisfied with his services .

Working with Sabastian George of Vema Mortgage regarding my home loan was easy and good experience. He explained the whole loan process in detail for a first time home buyer like me and it was a great experience and I definitely recommend vema mortgate for home loans.

The whole home buying process is very stressful and an emotional roller coaster. Sebastian did a good job in answering all my questions and was available 24*7 to phone, email or text. Our closing went as smooth as I had hoped, was on time, and without any surprises. Thank you, Sebastian. I would happily recommend Sebastian George to any friends or family looking to purchase a home.

Hi is the best mortgage broker

Best experience I had from any financial broker, Sebastian was always available anytime I called. He told me everything upfront and was always transparent about the whole process. I would like have his services in future too. Thank you Sebastian for making the process of closing for my first house so seamless.

Sebastian was very helpful in getting our first home. We just closed on the property in july, although we had short time for closing he was still able to get us clear to close with no delays. Definitely recommended for you home finance needs.

As a first-time homebuyer, it was a pleasure working with Sebastian. He was always available and on top of everything. He did not hesitate to give clarity on any specific questions, which we had. I always got a prompt response. The interest rate and costs were lower than I had expected. I strongly recommend Sebastian if you are in need of a mortgage or refinancing on your current home. Hope to work with him again in the future.

Had wonderful experience while buying our first home. Sebastian was very informative and helped us getting mortgage. He knows his job very well and you can count on him. I would recommend Vema Mortgage to anyone looking for Mortgage in the market

Was a great experience to work with George Sebastian, Vema Mortgages. As a first time home buyer in East Lansing i had a lot of questions in my mind and he was available round the clock to answer. Also he did beat the competitors offerings. He gave me a very good interest rate. I recommend Vema Mortageges.

Excellent Customer Services, Very Helpful, Highly Recommended

I highly recommend VEMA Mortgage. Our process was very smooth. Sebastian and his team ensured that it was a smooth transaction. They know their clients and do what ever it takes to make you happy. Our date of sale was 8.1.2014. I have since recommended VEMA Mortgage to few other people and my family.

Sebastian has provided Excellent service, Very Professional and prompt follow-up. He always go through details thorougly in a timely manner. I will definately recommend him to any one.8/10/2018

You will get the best rate in the market. Very professional and friendly. He also picks up calls late in the evening to answer your questions.

Very satisfied with Sebastian - Vema Mortgage for all the help he has done for last few years. He helped us with lowest closing costs when we bought our home in 2014. Also when the interest rates went down further, he helped get refinanced. He is always available for help, answers your questions calmly while providing necessary guidance. I would definitely recommend him for any mortgage or refinance related work.

I had a chance of working with Sebastian in the recent past. I found him to be very knowledgeable of his field. He patiently spent time to understand my needs. Thereafter, he guided me to achieve my desired outcome in a very timely and responsive fashion. I'd recommend him for his services.

Sebastian is an incredible guy! He makes the process of home mortgage a piece of cake for you. Not only he offers the best interest rates and closing costs, the service he offers is excellent. He is just a phone call away, even during evenings and weekends. He is extremely patient and ever willing to answer any of your questions. I highly recommend him for your home mortgage.

He gave the best rate and lowest PMI. Also helped us through the whole process ....

Good experience. Sebastian gave best available rates. Was very helpful in clarifying all my questions. Closed on time as expected.

Great service

Vema Morthgage did an excellent job for for me during the mortgage process.

Professional and easy to work with.

Very helpful. Fast processing mortgage.

I bought house in the April 2018. Sebastian helped me to get the better finance deal. He is punctual and well organized. He try to save you money as there are 20 different cost / fees involved. I recommend VEMA Mortgage.

I had really good experience working with Sebastian for my loan approval. Sebastian is one of the most knowledgeable and straightforward mortgage broker who can execute any kind of loan for the house. It was pleasure working with Sebastian to get what I wanted. I would strongly recommend Sebastian for any kind of mortgage loan because he reliable and experienced mortgage broker.

We had a best home loan experience with Sabastian. He has the competitive rate, fastest closing and great follow ups. Would recommend him anytime for smooth loan process.

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.

Sebastian is highly knowledgeable and provide exceptional service. This is my second home with Sebastian. Quick, great communication and timely closing on planned date. I highly recommend Sebastian to anyone.

working with Vema Mortgage is working with your friend whom you know for a long time. Sebastian will take the stress and will let you focus on other items where your time is required,

Helpful people everytime

It was a very easy to work Sebastian, available to answer queries and always with patience. Being first time buyer,I totally relied on Sebastian to guide on mortgage process and he helped me through whole process to my complete satisfaction. Would Highly Recommend.

Sebastian was very helpful in making me understand the process and helped me close the house in short amount of time. he gave me the best rate that could be possible at the time of Sep 2018

Very happy with the experience with Vema Mortgage. Excellent service and Quick processing time.

Sebastian was very helpful and willing to answer any number of question with attention to detail. He patiently explains the complex terms involved in loan process as i am a first time home buyer. Very friendly and always tries to reduce the costs out of pocket.

Sebastian responded very promptly . He is very friendly and patiently clarified all the doubts i had .He made sure the closing was smooth with no surprises. He made sure i got the best rate in the market.Will highly recommend Sebastian .

Vema Mortgage understands our financial situations very nicely and helps us accordingly. Sebastian is a very cool guy. I recommended to all my friends.

HIGHLY RECOMMENDED TO EACH & EVERY ONE… !!!!! I am a first time home buyer, Sebastian Bhai helped me in entire mortgage process & at the same time he educated me in taking decisions wisely & timely manner. I am absolutely Very happy with the service and overall experience dealing with Vema Mortgage. I will definitely recommend to each & everyone who is looking to purchase a home. Once again, Thank you so much Sebastian Bhai for the Overall Help & support. ?

Amazing experience with mortgage with Vema and Sebastian

My agent recommended Sebastian. He was very helpful all through the mortgage process making sure I understood all the nuances of a mortgage as a first time home buyer. Sebastian got me the best interest rates and closing costs vs all the leading mortgage lenders in the market. He was always available to answer every small question I had and made the whole mortgage process look like a cake walk. I would rate him 10/10 and would definitely recommend Sebastian to all my friends and colleagues!!

It was a pleasure working with Sebastian on the mortgage financing in Sep 2018. Very knowledgeable and responsive, he made the mortgage process go very smooth. Sebastian was always available to the questions that I had during the whole process. I would recommend his services for mortgage financing or re-financing.

Sebastian did an outstanding job when helping us with our loan. He was always available to answer our questions and was always quick with feedback and keeping us informed with what to expect next.

very knowledgeable

I'm First time home buyer, my agent referred me to him.. he is really honest and reliable person, he offered me best rate and the whole process went very smooth. i would refer all my friends easily to him...

Being a first time home buyer it is very important to find a person whom you can trust, who can answer your questions all the time. I heard name of Vema Mortgage through the Garba event they sponsored so I thought of giving a call to them which apparently turnout to be the best decision I made. I did speak to nearly 4-5 other lenders during my potential lender search but Sebastian was honest and was always available to guide me whenever needed. I highly recommend him.

Very responsive, knowledgeable and coordinated. Sebastian offered us the best rate/closing cost and provided us with all the number up-front so everything was transparent. All the documentation during the loan approval process was through phone/online so didn't take very long. Sebastian was very responsive (even outside of typical working days/hours), knowledgeable and very coordinated that we didn't have to face any hassle and confusion. I would highly recommend him.

Sebastian George is a nice guy to get the mortgage paperwork done and he is frank and courteous.

It was excellent support from Sebastian George/VEMA LLC during whole housing loan process. We bought house in Oct 2018. Rgds' Ashok Patel.

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.

Honest and reliable! Took calls even after hours to accommodate my work schedule. Will recommend to all my friends and family!!

This is our first home and my friend referred me to him, he is very professional and guided us in right way, offered us the best rate and educated us with all details we wanted to know so the whole process went very smooth. I would refer him to anybody who is willing to buy a new home and who wish to go through the process with less hassle.

This is my second mortgage with Sebastian George. He is very professional ,knowledgeable and coordinates with agents and us good so that we didn’t faced any hassles or confusion during our entire process.He is a full package that one can expect from a mortgage broker always.Sebastian is highly dependable and I Will highly recommend him for a smooth closing and best rate.

Sebastian is very easy to work with, he makes it simple. His communication is very clear, we got the best rate in the market. Hands down the best guy in the mortgage business in Detroit Metro area!

Sebastian is very approachable and all time available for your questions about mortgage. He will guide you patiently towards the appraisal and closing process to make it a smooth experience. I strongly recommend him especially if you are a first time home buyer.

Sebastian is very Honest and reliable!. Always available for any questions.I would recommend his services for mortgage financing or re-financing.

I am extremely happy with the way Vema handled my mortgage. When I approached them for mortgage, Vema was very upfront on the interest rate and about closing costs. He would go in lot of detail explaining the HUD statement and would not hurry up till you are completely satisfied. I would highly recommend him.

Sebastian understands customers requirements completely and helps to full extent in closing. He is a true professional to work with.I highly recommend him.

Sebastian is not like any other and gave the right advices. Constantly on the run to finish the work he started as quickly and as efficiently as he could. I will definitely go to the him next time.

Record breaking - Home Closing in 9 Days by Mr.Sebastian I have tremendous and record breaking experience with Mr. Sebastian during my mortgage process (Closed in Oct 2018). On Closing day, I even heard from Title company folks and realtors that Mr. Sebastian closed the deal (my home closing) in 9 days exactly since from the day I made an offer. Mr.Sebastian's analysis are really awesome and very knowledgeable person, he does a lot of effort & hard work with every client and built-ed trusted relationship with the banks. I found out that Mr.Sebastian works with passion and NEVER seen him in any angle that he is working for profit or commission. His goal is to help people and he is doing that as service not as business. He is very truthful, honest and works for the best interest of every client. I had an awesome experience with him and would like to REFER to all my friends. I also would like to Thank Mr.Gurjeeth Singh (REMAX Realtor) for introducing Mr.Sebastian to me.

It was great experience to work with Sebastian George at Vema Mortgage. They were flexible to present all the options for my home mortgage closing in June, 2015.

Very easy to work with Sebastian. He is very friendly and hard working. Handles your needs and beats the rate in the market. Sebastian provided us various options that made us very easy and comfortable to make decisions. Highly Recommend Sebastian George for Mortgage and refinancing.

I worked with Sebastian to finance my condo purchase in June 2015. He provided best quotes as promised and was able to complete mortgage approval process on timely basis.I highly recommend his service.

Great experience with Sebastian George when I finalized my mortgage for a condo (2 years back)! Sebastian is extremely detailed oriented, pro-active and customer focussed. Strongly recommended!

When I thought about buying home I checked with different lenders and at last reached to Mr. Sebastian.We got a smooth and comfortable service with him. He helped me to understand the detailed process involved with first time home buyer. I strongly recommend him to everyone.

Excellent Customer service . Amazing interest rates.

Excellent service

5 Star is what Sebastien George at VEMAdeserves for his Mortgage services. Very competitive and motivated Lender. He stole the business from other potential lenders I have been working with for months with his positive attitude and follow up. Glad to have people like you in the industry.

Great support, explained in detail every term, matched lowest rate and supported lot and quickly.

No gimmicks, and quick response

We were very satisfied with your service....thank you very much. ....we recommend others. ...

Vema mortgage was amazing and outstanding in their support. Highly recommended.

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 :)

Very knowledgeable, reliable guy and prompt on response .

I got introduced to Vema Mortgage by one of my friend as he was very pleased with the experience. Sebastian is very friendly and also detailed in the mortgage process. As I was a first time home buyer, i did not know most of the process and he explained everything in detail to me and it helped me alot. The interest rate that he gave was better than any other mortgage lenders. The most important thing is he is available all the time. You can reach him any time. He is like a 24/7 support. Thank you Sebastian

He is very efficient and knowledgeable about his job and quickly closed on the job. And above all is a very confident person reason for this should be his knowledge of the job.

I am extremely happy with the way Sebastian handled my mortgage , He is very efficient and knowledgeable about his job The most important thing is he is available all the time

Sebastian (Vema Mortgage) made our home buying experience a breeze. He managed to get us a lower APR than what was available to me through big name web pages even though we put only 5% down. The closing costs were at least $5K below what others were suggesting. He also provided valuable information on how to negotiate the deal and instructed us to the right direction. I am very happy with my decision to trust him and he delivered what he promised.

Great experience!! I had a very complicated mortgage deal and Verma Mortgage was able to close the deal very effectively. I will be using their services again for sure.

I had worked with sebastian geroge for my home mortgage and would like to highly recommend his service. My home purchase was in December 2018 and the overall process was very smooth and his response was timely which enabled me to complete the closing ahead of time.

I bought the home recently (closing day - 01/04/2019), Sebastian is professional and nice person to work with. He explains everything about the loan in detail and he is very flexible, He picks up the calls even after the office hours. Happy to work with him in future if I plan for second home.

Highly Recommended to work with and Very quick in response

Sebastian was very helpful through out the whole mortgage process, I did a lot of learning about mortgage from Sebastian experience & suggestions. Good part was I could contact him on phone 24/7 for any question or concerns.

Worked with Sebastian on refinancing my house in January 2019 Glad I was referred to Sebastian, he provided lowest rate than any other lender and which was some thing I never expected and as soon as he provided the estimates I stopped shopping No surprises on closing cost and he clarified every question I had patiently and had a quick response to each call I made and will defiantly refer to my friends

It was pleasure working with Sebastian. We received competitive APR and reasonable closing cost. I will definitely recommend Sebastian to my friends.

When I started shopping, I was referred to Sebastian George(Vema Mortgage). He explained to me the whole process of paperwork up to closing in a extremely smoother flow than I expected it. He went above and beyond on handling my calls and providing answers and suggestions every step of the way. The rate I got was somewhat reasonable, still compares less with second one I had in mind.

I Contacted Sebestain after following with some Lenders. I can say from my Experiences HE is really a RockStar.He is Really Honest and easy to work with. The process is so easy and he made sure that dont Panic. He made sure Closing was so EASY and i Definitely Recommend him for my Friends. My closing was on 7th Feb 2019 and my property is 16695 carriage way. I can say one thing for sure he will make this process so simple with 100% accuracy.

I will give 5 star for the service, easy to work and subject knowledge. He made my loan process so simple that I have never felt that j an fyesr time buyer. I will highly recommend him to everyone. Thank you Sebastian and keep great work going ??????

Great Person to work with

I have worked with Sebastian George. He was really helpful from start to finish of my mortgage during 2018/2019 time frame. During that time, he showed professionalism and dedication to his role as a mortgage agent. He is honest, very flexible to work with and detail oriented. I would highly recommend him.

Sebastian handled our mortgage and was very informative and explained everything very clearly. He clarified any questions that we had and helped through the closing. He told us what to expect and when. We could not be happier with the convenience and speed that our loan was expedited. We will definitely recommend Vema Mortgage to our family and friends. Thank you very much.

Excellent guy to work with. Great response and good advice

Had a smooth refinance and all my questions were answered.

Great person to work with. Very professional and know what to do. He helped me in refinancing my home. Loan process feels so easy with the proper guidance by him. Would recommend him to anyone who is looking for mortgage with low rates and fast closing. Great work and thankyou for helping me refinance my home

Flexible, Competitive and Anytime Service ! First Home Buying was made smooth with a consultative approach. Sebastian is a phone call away anytime towards your smooth Home Closing!

Knowledgeable, efficient and timely closing. Overall, the best service.

Excellent customer service. Always prompt response.

Excellent support throughout the whole process .. Kept me informed during every stage of the process. You can call him anytime to get any input or response . He thinks more from the buyer’s perspective . Very nice person to work with ..

Excellent knowledge and quick closing was the highlight of working with Vema Mortgage LLC, I have closed by house within very short period of time with no hiccups.

It was handled professionally and in timely manner. I would recommend him to friends and family.

Excellent Professional support throughout the whole process.Kept me informed during every stage of the process. You can call him anytime to get any input or response. He clarified any questions that we had and helped through the closing. All I can say is that you don’t have to look up anywhere if you work with George Sebastian. He is an honest, hardworking, professional who is always available to help you with any inquiries or questions you have.

Excellent work by Sebastian! Smooth transaction. March 2018

As I am first time Home Buyer, He had the best Rates in market and he was answering all the questing . he was there till the closing. I would Highly Recommend Sebastian .

It was a pleasure to work with Sebastian George.He will go over & over it if you are having trouble understanding any part of the loan process and was responsive to all questions, dependable and reliable in accomplishing the task at hand. Very responsive and quick to return calls.

We recently bought a home and were initially looking for a better interest rate as the one we were offered by another mortgage broker was higher than expected. That is when I came across Mr. Sebastian George through a reference. Few of the many reasons I highly recommend going with Sebastian as your mortgage broker are: 1. He walks you through every single process step and provides you the best rate in the market compared to other mortgage brokers. ( I tried with few and everyone challenged me that I couldn't get a lower rate) 2. Answers every question with patience and treats customers with utmost respect. 3. He does multitasking and got my loan process started in almost a day or two. 4. The closing was done in just 2 and half weeks since I first spoke with him and it went well without any hiccupps. 5. You won't lose your peace of mind. Thank you, Surya

He is super fast and make sure things done at right time.

We had a great experience securing our home loan through Vema mortgage. As first time homebuyers, not only did Sebastian walk us through the entire financing process, but he provided great service and one of best interest rates on the market. The entire process was quick - we started in mid March and were able to close by early April. We highly recommend using Vema Mortgage and working with Sebastian George for all home financing needs!

Sebastian provided great and timely service. He is knowledgeable and performed on time service. Highly recommend to anyone looking for his service.

Sebastian was on the ball every step of the way and delivered on every single promise he made to us. We was always available and kept the process very clear and easy. I would not recommend working with anyone else. Simply AMAZING experience.

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.

Refinancing made easy!! Sebastian & Vema mortgage is awesome. The entire process was simple. Sebastian explained all the questions upfront and worked with me on each step!! I had refinanced with Vema mortgage earlier also. The new website makes the process easier and also allows you to do the most of the paperwork electronically. Overall I would give 5 star rating and recommend to everyone who need mortgage service!

I have used Vema mortgage both when I bought and sold my house. Sebastian from Vema is not only extremely patient and helpful in guiding you through the whole process but also provided us with one of the best rates that no one else in Michigan was able to match. Vema is highly focused on the customer and in ensuring that they get the best rates available without huge closing costs and can close as soon as possible. This is unlike typical banks were you end up paying a lot of money in closing costs and spend a lot of time tracking and waiting for your mortgage to be approved through their system. I would highly recommend anybody looking for a new mortgage doing business with him for the best customer experience you can get in Michigan.

Refinancing Process was very smooth and Sebastian took care of it from beginning to end . I would highly recommend him

Sebastian made the process of getting the mortgage really easy and was always available to answer question. I will definitely recommend his service

We had a very tight time line for closing and Sebastian really made sure that entire process is done on time. I highly recommend his service.

Excellent service and always available for any questions. More important is very short time for closing.

From start to finish, Sebastian was there with us. There was no BS at all anytime during the process. A thorough professional who knows the ins and outs. Sebastian will demystify the jargon that bigger companies use to complicate things and you can trust blindly that he is there for you. He advised me on options to help me save $ all along. It has been a long time since I have had such a positive interaction for a major business transaction. Last but not the least the rates were outstanding. If VEMA Mortgage can sustain this model with low rates and an amazing experience, the big guys need to watch out...!! Good luck Sebastian and thank you!!

Excellent Service and very detailed in providing the information. Everything is documented and there will be no surprises at the closing. Easy access and available all the time for questions and answers. Most importantly he is able to provide the Best rate

It was great working with Sebastian, things I really liked about, always available and happy to help. Does his best to get you a good deal.

Easy to work with and very helpful to finish it on time

I was referred to Sebastian through my friends who all used Vema Mortgage for the house mortgage.Did not have any problems while working with Sebastian and Vema Mortgage. Received a very competitive rate when i talked first time to Sebastian. Sebastian guided me through the whole process and helped me with the documentation needed.He is always available for a call to discuss any questions/concerns. I would recommend using Vema

Answered all my questions on time. He is easy to work with.

I would highly recommend Sebastian and Vema mortgage. He is very easy to work with. More importantly, he - 1. Explains everything upfront. 2. Has good grasp of mortgage procedures 3. Says clear no where applicable. 4. Got me best rate! 5. Very friendly and is always just a call away.

absolutely the best service by Sebastian!

Sebastian made finding a mortgage simple and easy. He did everything to get me a great rate, and helped guide me through the home buying process. He even stepped up and did work above and beyond- compensating in areas where my Title Company and realtor lacked. I am extremely pleased and grateful to Sebastian and VEMA Mortgage for helping me get into mu first home. 100% recommend for anyone looking for a new mortgage or refinance.

I would highly recommend Sebastian.

Working with Sebastian has been awesome. He made things easy and straight forward for a first time home buyer like me. He guided me through the process and was always approachable when it comes to addressing any queries.

Mr Sebastian George is the best!! Thank you so much for helping to secure loan for our home in Michigan. Considering the fact that we had very few years of credit history in the United States, we would say that we are extremely pleased with Mr Sebastian George's patience, knowledge and professionalism. We would not go anywhere else for mortgage financing and would recommend to all our friends. Thank you once again!

Best Mortgage agent Working 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.

Sebastian was my mortgage broker when buying a house. He is a true professional and well versed in the mortgage procedures. He walked me through all the steps involved in buying a home and provided updates at each stage. Sebastian provided me the best rates and some tips which helped me as a home buyer. He was always available on the phone, including late evenings and weekends. He made the entire process of buying a house hassle free. I highly recommend him and Vema mortgage to anyone who wants to buy a house.

Sebastian is very informational and helpful., will have peace of mind and can relax when he is Working on your mortgage loan process.

Sebastian is very easy to work with, He explained us everything upfront and gave us the best rates. He is very flexible to work with and is available anytime. As a first time buyer we had many questions and he helped us a lot. We recommend Sebastian to everyone out there who is looking to buy a house. He worked very hard to help us close the home exactly when we needed.

EXCELLENT Mortgage Broker We were buying our first home.sebastian was really helpfull, explained everything clearly,easy to approach.He answered all our questions and call at any time patiently.we approached him 2wks prior to the closing date,he did on time.we would strongly recommend Mr Sebastian George to all.

Excellent place to get best mortgage rate. George explains everything in detail. I will definitely suggest if you are first time home buyer

Sebastian was very prompt In responding to my queries. He delivered what he has promised me for my loan. In addition, he assisted me in selling my home without agents by guiding me throughout the process with his advise and knowledge

Sebastian has helped me to close the loan very quickly; he is available anytime to answer our questions and provide best rate available...

Sebastian made the whole process of refinancing easy and he delivered on all his promises. I highly recommend if you are in the market for a new mortgage or refinance an existing one.

Excellent exceptional service provided by Sebastian for my first home purchase.

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.

we had very hard time with the seller. But every part of the Lending Process Sebastian helped a lot by providing all Flexibility , and he helped us to close the Sale as smooth as he can .

Sebastian is a wonderful person to work with. He went to great lengths to make sure we got our loan secured. Very quick to answer phone and texts.

It was a great experience working with Vema Mortgage LLC . All questions were answered promptly and every step in the process was very well explained. I would recommend their services !

Sebastian is excellent mortgage broker. I am first time home buyer. He explained me the entire process very nicely and helped me get best rate. His communication is very good and can be reachable anytime. He did the closing very fast and Helped me to get the new home faster. I recommend all to reach him for mortgage loan and he will Provide you best mortgage rate (with nice lender credits)

Best in the business. Just bought my 3rd house with him.

Sebastian/Velma mortgage is very easy to work with. He walked me through all the steps and process involved in buying a house and provided updates in every stage. He gave me different options to choose from with better interest rates. I highly recommend him and Velma mortgage to anyone who wants to buy a house.

Sebastian George has been wonderful. He’s very friendly and has been a great help in understanding the process and picking the right plans for us in the long run. We are first time home buyers so everything has been new to us but having someone to help has been a godsend. Thank you so much!

It was a great service from Sebastian and team, made our mortgage experience seemless and got things done faster.Sebastian is always willing to help and is available any time of the day/night for any questions.

Sebastian George was very quick and promising, completed before given date which is definitely faster than bank. He took his time to explain the process and available options. We really liked that he is available 24/7 although he might ask to get things done at the last minute. But overall he gave us lowest rates.

When marker rate is 4 % they could able to give me 3.35% without any points and saved thousands of dollars in Closing cost. If you are first time home buyer you will go through lot of uncertainties but has to blindly trust their words

Sebastian is the best to work with. Sebastian is very informative and accessible at any time during my mortgage process and he provides all the required info and best deal. Highly recommended.

Excellent service ...

He has good knowledge of the different options of the mortgage transfer. Helped me choose the better option.

Working with Sebastian George was pleasant & informative. He explains the process clearly & is very straight forward. He was prompt, well organized, professional, and courteous. He was patient answering all of my questions. The loan process was completed on time, we had closing today and did not have any “surprises”. An excellent job! Thank you so very much for all of your help!

From beginning Sebastian George was very open. He clearly explained everything in advance. did not felt any stress even though this is my first time buying home. He made things look very easy. i would definitely recommend Sebastian George.

One of the best guys i have seen. Clear in communication, Good Rates and fast service

Amazing person - Sebastian - he worked his best to get very good and lowest rate of interest for our mortgage loan with very less down payment. He handled entire Loan process very well, very knowledgeable person. Our Family is very happy to process our Home Loan through Sebastian. Thank you My friend - you will be very successful person in this career, Good Luck....

Sebastian was honest from the beginning about the process and was able to address all our concerns. He was referred to us by my brother and we are happy with the overall experience. The closing was quick and it was just as Sebastian explained to us, with no last minute surprises or hidden cost. Thank you once again and we are sure to recommend you.

I have worked with the Professional Sebastian George, he was excellent, clear in providing the details and he has been reachable all the time. He has given me very good interest rate, I would definitely recommend his name to my friends for any mortgage related things. Thanks for closing on Time.

It was wonderful working with Sebastian over entire process of loan.

You will get best rate in the market and Sebastian is reachable 24/7. Answered all the queries and doubts i had. Once we provide all the necessary documents, he will work on them pretty fast.

It was great working with Sebastian. He helped me get the lowest mortgage rate and was very prompt in moving the loan process ahead. He was also able to close the mortgage loan in quick time and also helped me understand the entire process. Always available for any questions. I highly recommended him.

Sebastian’s availably after 5PM and weekends was definitely a plus which helped through the process .

I will give 5 star for Sebastian , he is quick .

Excellent Service... Working with Sebastain for my mortgage was an efficient and hassle free process. His offer was really competitive that my banker could not match. His indepth knowledge in this area is highly commendable and really helped me as a first time buyer. I strongly recommend him.

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.

It was very good experience with Vema Mortgage, Sebastian is very helpful throughout the process, quick responses, and also answering calls after business hours which helps to sort out things without delays. Great support and help.

Sebastian was helpful and punctual. The rates were lower compared to other two vendors i had enquired.

Sebastian George really helped us and did really nice. He is a really nice person, we had really nice time with him. He was very sweet and friendly.

great guy to work with

Sebastian is the default destination for home buyers in Michigan. He provides competitive rates for mortgage. In our recent transaction, he was able to provide absolute clarity and transparency right from pre-approval till clear to close. The best part is that he is highly approachable and available 24x7, and can patently explain a lot of the underlying process. I definitely vouch for his authenticity and his ability to execute the deals. The Google 5 star rating still does not do complete justice for his efforts.

Very easy to work with, prompt in response gave many options to choose from. Was pleasure to work with.

Quick and unbiased service with best possible rates

Seabastian helped with great rates and gave good recommendations at appropriate time. Easy to work with and friendly.

Sebastian gave me a great interest rate and was able to beat the rate from my previous broker. I switched over to Vema and I am glad I did. Sebastian made the mortgage process easy and he was really available 24*7. I would definitely recommend for any mortgage need.

There are so many positive things about Sebastian - 1. Sebastian is very good in prompt response. Even if he is busy he will respond that I am busy :). 2. He is very clear what is going to deliver. 3. His is giving best rate of interest in market. 4. He is always ready to clarify customer doubt. 5. The best part he is available all the time even after office hours even on week ends. Even there is nothing negative about him but I would advise new customers to prepare following check list before finalizing loan deal - 1. Do not take any oral commitment. All commitment should be on over email or paper. 2. Customer should ask full details closing cost estimation over email before deal. 3. All customers should follow up about loan process in regular interval. These points might help customer to avoid confusions.

I got low interest rate compare to other banks, any time telephonic support before closing and even after closing for my clarifications. I am very happy to say that whatever the estimated closing cost received in the beginning is same as actual closing cost, No Hidden Charges. Sebastian is very humble and trustworthy person.

Did Mortgage refinancing from Vema Mortgage. The mortgage rate and cost were consistent with what was promised in the beginning. The whole process was fast and took less than 4 weeks. Very easy, transparent and with integrity. Thank you Sebastian

A hassle free pleasant experience. Fast, reliable and friendly service.

Awesome experience!... Sebastian is very prompt and helpful. He understands the industry and suggested good options specific to my financial plan! Highly recommended!!!

Sebastian was a great help! He found me a great rate and made the process quick and easy.

Very prompt and transparent!

Wonderful experience working with Sebastian. Always available to answer any questions. Quick and accurate information. No Hidden Charges. Sebastian is very humble and trustworthy person. I will highly recommend him.

Gave good price, Closed the loan fast.

Sebastian was very helpful and always available whenever we had questions and gave us the best interest rate in the market. We were able to close on time without any issue, would definitely recommend him.

Above Expectation. Worked with Sebastian George. Very Sincere, Honest and Straight Forward

Sebastian was a profession through the journey. He was easily accessible and simplified a very complex process. I highly encourage anyone looking for a mortgage to go to Sebastian.

Sebastian has been a charm to work with.He had the keen ear to our requirements ,asked the right questions and also recommended and provided key inputs for the loan process.He was prompt in responding to queries and more important reliable in terms of his experience for first timers like us.Thanks Sebastian and Verma Mortgage for your help and support.Strongly recommended !

Very Helpful & Informative. Sebastian was always available to answer any question or Concerns.

Very professional and provided support to get the loan quickly and easily. Explain clearly all the rules.

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.

It was really great working with Sebastian. He helped us getting the best rates . Moreover he answered all of our questions quickly and the whole process was very smooth and quick . I highly recommend him for the mortgage services .

Very good to work with, always available to answer any questions. Had a great and smooth experience.

Chirag is extremely knowledgeable about the products he provides and was able to help me save me over $200 a month on my mortgage. Chirag was prompt and polite with all communication and took the time to explain all steps of the refinance process.

Very experienced in mortgage services. Quick to respond and smooth closure.

He is very fast and very prompt in work. He closed the deal in just 2.5 weeks. He guided me in so many things as I was buying the home with seller directly. I highly recommended him.

Sebastian is a pleasure to work with. He gives the best interest rate and also helps you to close your home in the most efficient and faster way. He is very approachable and gives good guidance especially for first time buyers like me.

There are several positive points about Sebastian.. I am a first time home buyer. He was excellent and clear in providing the details. He has been reachable all the times. He will provide good solution if you are facing any issues while buying a house.He closed my loan pretty quick. His suggestions and solutions are very good. I highly recommend him to any home buyer.

Sebastian was a joy to work with. He was efficient and prompt in his responses.

Let me start with a BIG thanks. Sebastian explained all the details of loan options including interest rates, down payments, monthly EMI payments. Whenever we have any questions on mortgage loan Sebastian was there to answer and provide the best guidance. Thanks a lot for making our dream home come true with best mortgage loan and helping in closing right on time. I recommend Sebastian for all your mortgage loan needs. Thanks Kasi V Chandrapatla

Chirag has been very helpful through the complicated loan processing. He is very knowledgeable and explains the refinance terminology and clauses in a simple way. His availability during the after hours was the key for the quick closing. I totally recommend Chirag for the mortgage refinancing purpose.

I was a first time home buyer. Sebastian walked me through the whole process step by step and answered all of my questions promptly. He was very helpful through out the whole process and I would highly recommend him!

Sebastian was really helpful and friendly and made sure every aspect of my loan process was seamless. His attention to detail made the whole loan process look easy

We had the pleasure of working with Chirag Rachhadia. He was so helpful and attentive to our needs. He went above and beyond to help us with our house and talked with lawyers as well as closing team to help speed up the process for us. He was available to call or text even outside work hours to help us with a smooth process. He was always willing to help us and answer questions for us. We would definitely recommend him to everyone. Thank you Chirag for helping us with our first home.

Sebastian was very helpful with the mortgage process. He was available 24/7 to answer all our questions and he explained each and every step in detail.

Great customer service!!

Excellent experience working with Sebastian and his team, I am very impressed on his ability to communicate 24x7 when I am in need of some help. I have referred some of my friends already and would recommend him to everyone. I had a bad experience last couple of times and thought all mortgage people are like that but I could not believe until I talked and worked with Sebastian that people in this line of work are human as well. Thanks Sebastian for all the help. Mallikarjun Nagolu

Sebastian was very helpful throughout the whole process. No doubt that he gave the lowest interest rate and I can say for sure as I did my research and shopped around for it. His team member had all closing documents prepared and in order and it was a flawless and hassle free experience for me.

Got a good rate. Was straight forward to deal with and got quick responses on any questions.

Chirag Rachhadia helped me through the entire loan process.everything was expected and was given the best market interest.he is available anytime of the day if you have any questions.i highly recommend him.

Mortgage process was very smooth, and the rate beat the competition!

Mr Sebastian George is the best in the Industry. He was able to give me the lowest possible rate with Zero Points and lowest closing costs. The process of mortgage was very smooth with no surprises. I highly recommend him for all prospective buyers looking for excellent mortgage rates. Thank you Sebastian !

Chirag Rachhadia is nice guy. Good thing is about this guy is worked late night to finish mortgage process. & available to work with you.

Fast and Quick Service! Very prompt in attending calls. Lower rates, you will be benefited by working with Sebastian and Team. I was referred by him to title company and insurance company. I got the best deals from both.

Sebastian makes the whole process look so simple, I really enjoyed every conversation we had through in the first time home buying Mortgage process. He is extremely knowledgeable provides the right amount of information for the loan processing. One thing if I need to call out about Sebastian - virtually he was there whenever I needed him!

It was a pleasure working with Chirag Rachhadia, it was an awesome experience. He was always available and ready to answer any question. He helped us with a Re-finance loan to lower our Mortgage Rate. I am extremely thankful and impressed. 5-STAR SERVICE!! We really appreciated the expertise of the folks at Vema Mortgage LLC and will be recommending them to our friends and family!

For a hassle-free mortgage experience, contact Sebastian George at Vema Mortgage. He was an absolute delight to work with and made sure everything was smooth as butter.

I bought my first home in Michigan getting the help from sebastian george. He was flawless, quick and informative. From my hunt for the lowest interest rate in town, he was the best and the services he offered was 5 star. I would recommend him for any mortgage financing and refinancing

Chirag with Vema Mortgage has been the best loan officer for my refinancing. Very honest and upfront with all costs involved. I was able to close in 14 days. Chirag was always available to answer every question I had. I would highly recommend Chirag with Vema mortgage.

Chirag Rachhadia had been excellent loan officer to work with. He is very knowledgeable about each process in loan application to closing and available anytime to talk is plus. He provides detailed clarification in each stage with helpful suggestions. I strongly recommend Vema Mortage and him as your loan officer.

Chirag Rachhadia help me for whole process of my refinance loan. He also help me to find cheaper rate with zero closing cost. During loan process time Whenever i call him For any questions or concern he pick up phone and explain me well. After closing my loan I also refer my few friends to him and he help them same way too. He is great person as well as his great helper. Very satisfied with his work.

I appreciate Sebastian's efficiency and clear view on what needs to be done. He got us a much lower rate than any other offer we received. But what speaks volumes to Sebastian's character and skill is that when something didn't go as planned he took responsibility, fixed it and we closed on time.

He is awesome guy and was so helpful. Got the lowest rates and helped in each step of the process and was on top of the game always. He provided lot guidance and was quick in responding to the questions Was always available by phone at any time in the day Closing process was very smooth and easy because of his guidance

Sebastian was awesome to work with. He got me the best rates and guided me throughout my home buying process. He answered all my questions whenever I called him. Thanks Sebastian for all your help.

My experience has been great. Sebastin has been outstanding in providing service from the first to the closure. Cannot ask for more. He will never let you down.

Excellent Service provided by Chirag Rachhadia from Vema Mortgage LLC. I am extremely happy through out the process. He explained clearly with patience and i would strongly recommend him if anyone looking for refinancing their homes.

Sebastian George was quite helpful and informative. When needed, he would get back as soon as he could. He provided excellent interest rates and communicates quite nicely and in detail

Did go through Sebastian for refinancing my mortgage. He made process simple. He always call you back in time. He is best in his business.??

Such a great experience working with Sebastian, he is always accessible over the phone and easy documentation. Best interest rate, highly recommended.

Sebastian was really very helpful throughout the process. He was very responsive and was available for calls all 7 days a week. Best part about Sebastian was that, he was reachable until 10PM and I dont think any lender could have been better than Sebastian. Thanks Sebastian for making our house buying process smoother. He gave me the best rate possible. I strongly recommend him.

Sebastian was very prompt and helpful at every stage of the process. Would highly recommend him.

It was great decision I made to work with Sebastian. He gave me confidence to buy and sell the home. He was great help to make right decision on picking mortgage lender and provide clear, straight forward mortgage calculation for CD preparation. I would explicitly mention about the service call, he will always answer calls and whenever he couldn't, he will call-back immediately. He is honest and straight forward and clear in his communication. I recommend Sebastian if you are looking for mortgage agent.

Great service and made the process of refinancing easy. Sebastian was always available on the phone or text message to answer our questions. Thanks to Sebastian for all the help!

I am a lazy person who do not like the head ache of paperwork . At the same time I want to deal with someone trustworthy. Sebastian George’s name was suggested by my realtor Abu Kuttan. Vema Mortgage responded to my very first text message in a very short time. instead of simply grabbing the business they advised me to wait until the rate comes down. I got a call immediately when the rates went down and within couple of days my interest rate was locked and other paper work was started immediately. Closing is done without any headache and the attorney worked at my convenience. Overall this was the smoothest real-estate transaction I ever had.

I worked with vema mortgage for the refinancing of house. The response was extremely timely and professional. Each product was carefully explained and the best alternative proposed. I would strongly recommend vema.

Sebastian has been very thorough with the process. His vast experience with the loan process made my work easy. He took care of the process so well that I had no need to remind or double check! Thank you Sebastian for a wonderful experience. I highly recommend him!!

I am very satisfied with Vema Mortgage service in refinancing my mortgage loan. Chirag is helped me in getting the best interest rate and helped me to save thousands of dollars. Thank you so much for excellent and timely services.

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!

It was nice working with Vema Mortgage, they are very helpful and gave me best rates for Refinance.

Sebastian is great to work with as a Mortgage Broker Specialist. He understood our requirements from the beginning and came up with a best plan that suited our needs. He was in touch with us from Day 1 till the final paperwork got completed. He is available at any time of the day.

The best person to work when it comes to mortgages. The best companies to work with when it comes to mortgages. I wish I had known about them when I first bought the home. Recommend Chirag Racchadia and Vema Mortgage to everyone.

Had a great experience working with this lender. Very professional, helpful and trust worthy.

I was trying to refinance my home from 15 years to a 30-year loan. I have been to many financial advisors and lenders during this phase but have never before felt that they were not just trying to sell me the best product for them. Not at any point in time did I ever have cause to take a pause on what Chirag was recommending to me to help set up a good financial future for my family. He made sure we clearly understand each line items of the process and he was with us in all the calculations related to it. He was very straight forward and informed everything well in advance so I can prepare for it. The best part is he answers any questions related to the process no matter how many times you ask the same question. His advice and help throughout the process has made the whole ordeal (if you have ever had to get home loans and jump through bank hoops before you will know its an ordeal) and process very painless and easy. I definitely recommend Chirag Rachhadia.

Hassle free refinance experience. Also got the best rate in the market.

Chirag helped me refinancing my mortgage. He is good and knowledgeable in his area of work. He understands the ask first, and then provides the best competitive rates that suits the need. He is to the point and always approachable.

I worked with Chirag to refinance my home mortgage. He didn't just give me the different options but also helped me figure out the best for me. On top of that he was able to gauge the market direction and help me lock the rate at the right time that helped me get a deal much better than what I expected. He was always available to answer questions and even when I chose my own attorney, he was excellent it following up with them and making sure things moved at the right pace without hiccups. Overall it was a very pleasant experience. I highly recommend Chirag.

Sebastian was very good at providing the required services. And he gave me a very good competitive rates for home refinance.

We just closed on our new house and, once again, used Sebastian for our mortgage. I keep coming back to him since, over the years, has consistently provided great service, low rates and costs, and a smooth process. I've recommended Sebastian to many friends and family over the years and will continue to do so.

Chirag was so professional in handling the customer needs and always be helpful in sharing the right details with detailed explanation. I am happy to work with Chirag and I can certainly recommend to work with him and it makes your closing process at ease. He is prompt and very much co-operative with right value of time. All the very best Chirag and do keep up your professionalism in meeting your client needs. Thanks for helping me in getting my refi done!

Sebastian George helped me to refinance my mortgage loan. I got the best rate I can get in the market with no closing costs. All the documentation work is done online, he is very responsive and made the refinancing process very simple and quick. I highly recommend him.

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 helped me through the whole process, it was quick and also got me best rate.. he is awesome

Sebastian from Vema mortgage is one of the most professional and economical lender i have ever seen, You can been guaranteed that you will get the best rate and closing costs compared to any other lender, compare and see for yourself, he beats any other mortgage firms hands down with his price, he also explains each and every cost associated in detail which many of the lenders don't do unless you explicitly keep asking them.

Worked with Chirag, he is so knowledgeable and know what he is doing. Will defiantly work with him again in future.

It was great working with Sebastian!

Top class service, always available on call and best mortgage rates provided . I Highly recommend Sebastian.

Very quick to respond and best rate around

Chirag helped me with my refinance. Very professional and followed up at every step of the process. The entire process was made simple easy to understand. The best closing experience.

As a first time home buyer, Sebastian made my home buying experience easy by providing all information needed to make decisions by being transparent and responsive.I recommend him to family and friends.

We are first time home buyers. Vema Mortgage customer service is excellent. Sebastian made the Application, offer and acceptance process quite simple, easy and quick. Sebastian always answers his phone, no matter the time and answered all our questions very patiently. He was there with us right from the beginning of the loan process to closing of the house and explained each and every step of the process clearly. I would definitely recommend Sebastian. 0 0 0

Sebastian has been very helpful ever since we contacted him. He explained everything in details and provided us a very low rate compared to other mortgage companies . He was available to talk at any time and always was very responsive. A great closing experience with his team and an overall experience was just amazing.

This is one of the reliable company. Sebastian you ROCK!

Superb experience with excellent work. Cannot beat the quality and dedication that Chirag showed. No compromises in explaining and making sure customer is fully happy and satisfied. Cheers. Looking fwd to again work in future.