Find Trusted Mortgage Lenders & Brokers in Greeley CO

The team was extremely professional, explaining programs like FHA, VA, and jumbo clearly. Communication was top-notch. The only small hiccup was a slight delay on a form, but they fixed it quickly. Overall fantastic!

VVR Loans secured me an excellent rate, and the online portal made uploads effortless. Only suggestion: expand weekend availability for consultations. Still, I highly recommend them

Worked directly with Pavan (and his amazing team) who provided clear communication, rate comparisons, and kept everything on track. A truly professional and reassuring experience

I locked in a low rate quickly, the document system was secure and easy, and they delivered on their promise of fast closings. Really efficient and reliable

VVR Loans really puts clients first. They took time to walk us through all our mortgage options, explained every detail clearly, and walked us through the process from application to closing. Felt like family, not just another customer

Deal mortgage LLC stands out for its personalized service, helping clients secure competitive loans and guiding them through the process with ease. What sets them apart is their proactive approach—continuously monitoring market trends to identify the best times to refinance, ensuring you save more over time. Whether purchasing or refinancing, they make the process seamless and financially rewarding

I had an excellent experience working with Sri as my mortgage broker for refinancing. His efficiency was outstanding, and he managed to close the deal in just two weeks. I appreciate his dedication and the seamless process he provided

Exceptional Customer Service. Mr. Pasham was very detailed and patient. Mr. Pasham was able to go over the loan application process step by step and provided responses to all my inquiries. Thank you so much

I had a great experience with Deal Mortgage for my home loan. Sridhar was able to get me lower interest rate of 6.375 from 6.8. He is very much detail oriented person. His communication was clear and crisp. Sridhar is friendly person. His customer service was exceptional. He explained the process in very detail and answered all my questions with patience. I highly recommend Deal Mortgage

Binoy was very helpful

Great service from team

Binoy is very trustworthy and very knowledgeable.

Great experience with Binoy

Binoy Is very knowledgeable about the loans he offer.

Excellent customer service

Very professional person to work with and he gives good interest rates.

Good communication and timely information.

Binoy offers very good DSCR loans and he is very knowledgeable.

So easy to work with and very helpful. Binoy is amazing!

It was really easy, quick and competitive with the best rate of interest. Thank you

Mr Binoy is very supportive in finding house loan .He is approachable and clarifies all our doubts .I would like to recommend him .

Binoy helped me with a new investment loan; he closed the loan within 3 weeks. Very fast process with him.

Very knowledgeable, was there every step of the way, ready to recalculate for different scenarios and help understand the pros and cons. Great experience working with Binoy...

Binoy is very good and I was able to close smoothly. I recommended to few of my friends. He did amazing job

I need to reference my home. It’s so difficult in my case, but he did very well.

Binoy was always available for me and cleared all my questions. He was able to lock in a good rate for me before it went high. Glad I chose to work with him.

Binoy is a very knowledgeable and informative person. He is always there for you throughout the process. You can count on him any day, any time. Thanks, Binoy!

Great team to work with. Answers all the questions anytime. Very reasonable pricing. Highly recommend!! Binoy has been awesome

Binoy was prompt, professional, courteous . He was patient and thorough answering all of my questions. He kept the ball rolling and the process was completed in the time frame promised. No doubt.... He is excellent in mortgage process!!!

Binoy Was great to work with , they were quick to complete my transfer in 17 days time after rate lock . Best in class service.

Binoy was very professional. Very informative. Answered all my questions. Very reachable. Great customer service. Highly recommend him for anyone with mortgage and financial advice! Thanks again!

Binoy is unequivocally one of the most skilled and knowledgeable experts when it comes to securing competitive loan rates and closing costs. We look forward to a lasting partnership for all our future financial needs.

Binoy did a very thorough job with our lending process. Very fast turn around with the questions & responses. Highly recommend him for your mortgage needs.

I made a great choice choosing Succedo. Even though my lending process was ON with a large bank , Binoy was able to process my application quickly and get to a closure earlier than expected. Thanks for making it easy & quick ??

Moving is a stressful experience in itself. Moving across state lines is even more stressful. Binoy Babu was wonderful to work with and helped us to close on our house in a timely manner. Mortgage companies can be very stressful but Binoy and his team was always very quick and responsive and helped us to get our dream home.

Working with Binoy was great experience. He took away pressure of locking better interest rate and whole process of closing home was smooth.

I would like to appreciate the timely and responsive communication. For a first time buyer the process is very confusing. But Binoy( Loan Officer )explained each process in a very simplified manner. He had been very proactive in the whole process. Was very considerate and would clarify any doubts very empathetic way. I am very pleased and satisfied with the service of Succedo and the team. Would highly recommend their service.Thank You!

Binoy was very cool,calm and collective and most important CONFIDENT in helping us close! Extremely pleasant to work with and we are thankful to him in handling our loan in such a timely manner.

I'm grateful that Binoy was my mortgage agent. He is always there for you to answer your questions and clarify your doubts. He was really sincere in helping us. Regardless of it being day or night, he was always there with the information I was looking for.

Binoy was a pleasure to work with. Binoy is always ‘Available’ which is very underrated. Going through our first home purchase, Binoy made us feel at ease and was very easy to work with. Binoy gave us a very competitive rate and was on top of the application in every aspect. I would recommend Binoy without second thoughts!

Great working with Succedo Mortgage, LLC. All around support from Binoy and team. Daily communication to review loan process and bring my questions for discussion.

Binoy was very helpful throughout my loan processing. He took my loan processing as his own and put his heart and sole and watched keenly the market and did a fantastic job. I guarantee, he works for you also even if it's day or night. He is a hardworking, sincere, dedicated to his work and more over trustworthy. I really thank you from the bottom of my heart for all you have done.

Mr. Binoy Babu, make everything so easy. We will always come and see you for our mortgage needs. It was a pleasure to work with you. Excellent service – highly recommend as a mortgage broker.

Binoy was my loan officer for my recent home purchase. He offered me the best interest rate for the mortgage. Binoy was very responsive, thorough, and easy to work with during the whole transaction. I would recommend him to anyone who is looking to finance their home purchase.

Succedo team gives their 100% to every customer, they follow up and get thing's done meticulously, I am sure their customers are a happy lot. Cottonwood Title Company is truly happy to be associated with them, we assure them of all our support and look forward to a long and fruitful relationship with them.

Indeed it is a matter of great joy for me to share my experience with Succedo Mortgage regarding my home financing. Mr Binoy Babu is a seasoned, highly proffessional, humble and thorougly knowledgeble person to give helpful advises related to all aspects of mortgage financing. I higly reccomend Succedo Mortgage to those who need assistance in this regard.

Binoy gave us the best mortgage experience ever. He made sure that we understood all the process involved in the transaction. He picked up our calls even in weekends. Thank you for your great service Binoy!

We had a very smooth experience with Succedo Mortgage. They answered all my questions patiently, went over numbers multiple times and were very responsive throughout the process. I would recommend them.

Hands down the best loan officer to do it. Binoy was 10/10 at communication, effort, and expertise in his field. Highly recommend him for your mortgage needs!

As a local Realtor and the Listing Agent for the property Binoy wrote the loan on, I can say that it was a pleasure working with Binoy. His communication was quick and positive and his Team flew through the Buyers' loan quickly and effectively.

When dealing with home closing and mortgage, you need somebody you could trust and communicates well. We were so glad and relieved to have Binoy Babu with First step mortgage helping us with our loan processing. Even when the rates were high, he got the best deal for us, beating many other competitive lenders and made sure the entire process went smoothly without errors. He worked late hours, weekends to fit my work schedule. He directly communicated with our builder, title company and got us closing perfectly in time. We greatly appreciate the 5star service binoy and his team provided us and would highly recommend him for any mortgage services.

My wife and I just closed on our first home recently. Binoy was our loan officer. I would probably call him at least every other day with some question or another and he would always patiently explain everything clearly to me. Binoy is really good at what he does and he makes sure that everything is done well and on time. If you are in the market for a mortgage or refinancing, then Binoy is the man for the job. He’ll help get the best deal for you.

Binoy is highly trustworthy, knowledgeable, and supportive. He effectively addressed all of my inquiries and remains readily available to answer any questions. If he is busy, he calls us back as quickly as possible to answer our questions. He does not push us to get business rather he explains well pros and cons of each item. Really great service this professional is doing.

Binoy was resourceful and always available. From the beginning, I was able to trust him in the finance of our home. We moved from Florida to Texas and had so many questions. He took his time and helped us throughout. I will recommend him to my friends and families.

Binoy Babu is extremely professional and helpful throughout the process. He is very quick to respond to queries. Being, a first time home owner the whole ordeal was so stressful, but Binoy made the loan operations easy & stress free. Highly Recommended !

Exceptional support and patient answers were provided by Binoy for us first-time home buyers. Highly recommended ??

We’ve used several mortgage services with different brokerages in the past several purchases. However, we’ve never had an amazing experience like we had with Binoy in our recently purchases. Binoy has given us outstanding services with his exceptional knowledge and persistence. He’s always available to provide helpful info to ensure we get the best mortgage package with a comparable rate or while simultaneously working with others. We would love to use his services again to our next purchase and I highly recommend him to anyone who’s looking for a mortgage.

Working with Binoy Babu on a recent real estate deal was a standout experience. As a sell-side realtor, encountering a lender like Binoy, who is both highly responsive and deeply committed to a smooth transaction, is rare. He navigated through the complexities of the deal with ease, always ready to tackle any challenges head-on. His proactive communication and deep understanding of the lending process not only helped us address potential issues swiftly but also allowed us to close the deal earlier than expected. Binoy's dedication to efficiency and customer satisfaction significantly contributed to the success of the transaction. I highly recommend Binoy Babu to anyone looking for a reliable and skilled lender. His professionalism and effectiveness make him an excellent partner in any real estate transaction.

Working with Binoy was an awesome experience. He was very informative and helpful to secure our loan. He worked so hard to get us close our home within the date we wanted it. Even after hours, he was answering calls and took care of our worries. Very approachable, humble, honest and upfront conversation.. really recommend to work with him directly… will work with him again.

Transaction Closed! Mr. Binoy is transparent and efficient and very detailed with his clients and every team involved in the transaction. If you are looking for someone to help you get the best out of your loan transaction, Mr. Binoy is your person. The transaction was seamless and everyone had great communication from his team. Look forward to working with you again real soon.

From the start to the finish of our home purchase Binoy was proactive in helping us with everything needed to get the purchase done. He’s very professional, knowledgeable and helpful in getting a good deal that actually works for us. The whole process was smooth. I would highly recommend Binoy for home loans.

Binoy is a great person to work with. He helped me by providing pre-approval letters and loan estimates and guided me through the loan process. Even though I haven't taken the loan with him, I appreciated his prompt responses and clear explanations for my questions without expecting anything in return. Thank you, Binoy.

All We can say is, that Binoy is a true professional. Me & my wife had a wonderful experience working with him purchasing our home mortgage. From beginning to end, he was always available for us and ready to answer any question we had. This is our first time working with Binoy and it’ll definitely not going to be the last. We would highly recommend Binoy and his team to anyone.

Mr. Binoy is an efficient loan officer. He was very helpful throughout the entire process of buying a new home. He went above and beyond for us. If you are ever looking for loan officer, he is the best person you can ever ask for! He can be reached anytime!

Binoy and Christina at Succedo Mortgage have been amazing! Binoy worked with me consistently for about 9 months as it took me a while to lock down a place. He constantly provided me with estimated monthly payments and other information on all the properties I suggested, without delay or any hesitation. The individual was always polite, patient, and answered all of my mortgage/loan/fees and finances related questions over the phone in a timely manner. I would 100% recommend this company to anyone house hunting.

We had a great experience with Succedo Mortgage! They exceeded our expectations. They worked round the clock to help us. Very courteous and understanding. We are very satisfied with their service. Would recommend to everyone.

I recently worked with Binoy at Succedo Mortgage for my mortgage, and I couldn't be more pleased with the experience. The communication was outstanding; they constantly and consistently kept us updated with everything that was going on. Christina and Binoy made sure we were always in the loop, which made the process smooth and stress-free. Their professionalism and dedication made our home buying process significantly easier. I highly recommend Binoy and Succedo Mortgage for anyone looking for a reliable and communicative mortgage loan officer.

I recently had the pleasure of working with Binoy and his team, and I couldn't be more impressed with their exceptional service. From start to finish, the entire process was seamless and stress-free. Binoy's expertise and dedication to his clients are unmatched. He took the time to understand my needs and went above and beyond to ensure everything was perfect. His attention to detail and professionalism truly set him apart. I highly recommend Binoy and his team to anyone looking for top-notch service and outstanding results.

Highly recommend. Succedo Mortgage Team were great partners who helped us close our home. Binoy was available, proactive, organized, and knowledgeable who supported us throughout the process making it much easier for us.

We recently had the pleasure of working with Binoy on a transaction, and we couldn’t be more impressed with his service. From start to finish, Binoy demonstrated exceptional professionalism and an impressive commitment to efficiency. His ability to expedite the process was remarkable, ensuring that everything moved along smoothly and without any hitches. Binoy’s proactive communication and quick response times were crucial in keeping all parties informed and aligned throughout the transaction. It’s clear that Binoy takes great pride in his work and values his clients’ time. His dedication to providing a seamless experience truly sets him apart. If you’re looking for a loan officer who combines speed with professionalism, Binoy at Succedo is the one to call.

I recently worked with Binoy for my home mortgage, and I am thrilled to share my positive experience. From the outset, Binoy demonstrated an impressive level of professionalism and expertise. His responsiveness was outstanding; he was always quick to address any questions or concerns I had, which made the entire process much smoother and less stressful. What truly set Binoy apart was his ability to clearly explain the pros and cons of each mortgage approach. He took the time to break down complex information into easily understandable terms, ensuring I was well-informed and confident in my decisions. Additionally, Binoy provided valuable insights on how to maximize the usage of funds, offering creative and practical suggestions that significantly benefited my financial planning. Overall, Binoy’s thorough knowledge and exceptional service made a significant difference in securing my home mortgage. I highly recommend him to anyone seeking a knowledgeable, responsive, and thoughtful loan officer.

Absolutely great experience working with Binoy at Succedo Mortgage. Binoy was very patient with me and helped me answer any and all questions I had during my mortgage application. Communication is really great, never got ghosted or unread for long duration. Also had some minor complications in my loan process, but Binoy supported throughout the process and provided all the support I needed to close the loan. Even after closing on the home, I still get same service as I did when I was in process of buying the home. Genuinely nice person to work with.

I had the pleasure to work with Binoy for my recent home purchase. Binoy is extremely professional, transparent and I was able to close my home in less than 3 weeks. He was able to get me the best interest rate and is highly knowledgeable and approachable. I would highly recommend Succedo Mortagage and Binoy and would love to work with them again in the future.

I recently had the pleasure of working with Binoy at Succedo Mortgage LLC for my 30-year mortgage, and I couldn’t be happier. The process was marked by transparency; Binoy explained every detail clearly, ensuring I understood my options. Their fairness in pricing and terms made me feel valued as a customer. I was impressed by their timeliness—everything moved quickly without sacrificing quality. Most importantly, their integrity shone through in every interaction. I highly recommend Succedo Mortgage for anyone seeking a trustworthy lender!

I knew about Succedo through a very good friend. Going with Succedo for my mortgage needs is still one of the best decisions I've made in my life, and I'm not exaggerating. The efficiency of the company is right there at the very top. Just sign up with them and go to sleep, you'll definitely get your dream house; okay I'm joking about the Go to sleep part tho, but yeah you'll get your dream house. I recommend ??

I had the pleasure of working with Binoy during my home loan process, and I cannot recommend him enough. In all ways, he was great from start to finish. His communication is top-notch-he was always available, answering my questions and walking me through every step of the way as what could have been a very stressful process now came out seamless and easy. Binoy worked hard to secure me the best possible rate, and I really appreciate his dedication and attention to detail. No matter what time or day, problems, guidance, and support were always available whenever I needed them. If you're seeking a knowledgeable and dependable loan officer who is always available to respond when needed, Binoy is the one you can count on. Binoy made my home-buying journey quite positive and successful!

I worked with Binoy from Succedo Mortgage for my recent home purchase and I can say with confidence, he’s the best there is. He is professional and timely! From the start of the loan process till closing, he was communicative with each step. He is knowledgeable of the current markets and was able to lock the best rate for my loan. I was out of town for closing and he provided assistance with virtual closing which saved me from paying additional closing cost. I highly recommend Succedo and look forward to working with them in the future.

I recently had the pleasure of working with Succedo Mortgage in Missouri City, and my experience was nothing short of exceptional! As a homebuyer, I was initially overwhelmed by the process of securing a loan, but the team at Succedo Mortgage made everything much easier. Binoy, the CEO of the firm, really stood out. Despite his busy schedule, he personally took the time to explain the loan process to me in detail, even during late hours. The entire team was professional, knowledgeable, and incredibly supportive. Thanks to their hard work.

i needed help for refinancing and cash out from the program. I was searching and thats when one of my friends suggested Mr. Binoy Babu. He is a very nice and helped me a lot at the time. I would highly recommend him to anyone.

Binoy at Succedo Mortgage is a rockstar! He took what could have been a super stressful process and made it feel surprisingly easy. I was expecting lots of paperwork and endless phone calls, but Binoy streamlined everything. He got me an amazing rate and kept me updated every step of the way. Communication was excellent; he always responded quickly to my questions (anytime of the day!). The whole process, from application to closing, was lightning fast. I was amazed at how smoothly everything went. Couldn't have asked for a better experience. If you're buying a home, do yourself a favor and call Binoy at Succedo!

This is my first home with succedo mortgage and Binoy was my Lending officer. He is your go to person if you are new home buyer and when all the process is a bit overwhelming. He is patient and very good at his job. This is actually the best decision I have made to work with Binoy. He is due diligent and true to you every step of the way.

Really good team! Mr. Binoy was who took care of our loan. He was very friendly, got us loan approved for the best rate and really good service.

I had the pleasure of working with Binoy Babu ( Succedo Mortgage, LLC ) as my mortgage broker. Binoy and his team is an exceptional who truly went above and beyond to assist my family throughout the home loan process. His knowledge, professionalism, and commitment to providing excellent customer service were evident from start to finish. Binoy's expertise helped me make informed decisions on choosing the best mortgage product that aligned with my financial goals. I was really impressed by Binoy's responsiveness, attention to details, and depth of understanding of the mortgage industry. He promptly answered my calls and questions, and he kept me updated on the progress of my application. He skilfully navigated the complex paperwork and ensured that everything was in order, making the closing process way smoother and efficient than-expected. Overall, I highly recommend Succedo Mortgage, LLC to anyonein need of a reliable and knowledgeable mortgage professional/company. Their dedication, expertise, and individualized approach made the mortgage experience seamless and stress-free.

Succeedo Mortgage loan officers were extremely helpful, friendly, and knowledgeable, and patiently worked with me to make sure that I received the package that worked best for my family. Really got the best rate and greatest service during my closing. Once you meet Binoy Babu he will guide you to the best mortgage rate you will get in the US.

I had an outstanding experience working with Binoy as my lender. From start to finish, he was incredibly proactive, ensuring the entire loan process was smooth and stress-free. His responsiveness was impressive—he was always reachable whenever I had questions and provided clear, detailed explanations. Binoy is extremely knowledgeable about the market and worked quickly to secure the best possible loan for me. Thanks to his expertise, I received the best rate available, saving me both time and money. I highly recommend Binoy to anyone looking for a professional, reliable, and efficient lender!

Binoy Babu was excellent anytime we needed him, he always called us back and provided the information. He was very honest and punctual, he is a valuable asset for the company. I really enjoyed working with him.Thank you. Victor Chakraborty

Truly Outstanding! Succedo Mortgage Made Our Home ownership Dream Possible Against the Odds! We are incredibly grateful for the exceptional service provided by Binoy Babu & team at Succedo Mortgage LLC. As first-time home buyers with no credit history, we knew we faced a significant challenge. However, Binoy's professionalism, deep understanding of the mortgage process, and persistent nature turned our dream into reality, all within our required time frame! From the very beginning, Binoy impressed us with their prompt communication and clear explanations. They expertly navigated the complexities of securing a mortgage without a traditional credit background, demonstrating remarkable subject matter expertise. What truly set Succedo team apart was their unwavering determination; they explored every option and never gave up, keeping us informed and reassured every step of the way. Their proactive approach ensured everything stayed on track. Thanks to Succedo team tireless efforts and professional guidance, we are now proud homeowners. We cannot express our appreciation enough and wholeheartedly recommend Succedo to anyone seeking a mortgage, especially those in unique situations. They don't just process loans; they make dreams come true!

I had an excellent experience working with Binoy for my home loan. He was extremely helpful throughout the entire process, taking the time to clearly explain each step as we moved forward. Binoy's knowledge of home loan products is impressive. He helped me secure very favorable terms that perfectly suited my financial situation. What stood out most was his patience in answering all my questions and making sure I understood the details of my mortgage commitment. I particularly appreciated how he guided me through the paperwork and requirements, making what could have been an overwhelming process much more manageable. His responsiveness and attention to detail gave me confidence during this important financial decision. I highly recommend Binoy to anyone looking for home loan assistance. His expertise, professionalism, and dedication to client service make him an outstanding mortgage advisor.

I had an excellent experience working with Binoy from Succedo Mortgage during my refinance .He was knowledgeable, responsive, and guided me smoothly through the entire lending process. Binoy made what can be a stressful experience straightforward and stress-free. I highly recommend him to anyone looking for a reliable and professional lender.

Working with Binoy on my mortgage refinancing was a truly seamless experience. Their expertise and clear communication made the entire process remarkably easy to understand. I felt supported every step of the way, and they were always available to answer my questions. Thanks to their diligence and efficiency, I was able to secure a much better rate. I highly recommend their services to anyone looking to refinance !!

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

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

Vipul is very excellent at explaining the Loan process Super informative in explaining all steps in loan processing Very helpful and available all times Had very good experience working with Vipul from end to end mortgage process

When there were many unknown things for a first time home buyer like me, Johnson was there with me right from step 1 until my closing where he and Sebastian helped me to process and close my loan within a short period and right on time which is less than 2 weeks. Their communications, follow-ups and directions provided during each step was really appreciative. I had shopped with multiple lenders but Johnson went an extra step and gave best interest rate in the market during that period.

Working with Sebastian was great. His advise was really valuable and trust worthy. His team helped me with all the necessary steps needed from pre-approval to closing of my rental property. I'll definitely recommend his mortgage company for anyone for a hassle free experience. Thank you for all your hard work to make my property purchase easier.

It was great experience with Vema mortgage. The process was easy and excellent. PT Johnson did great job to explain everything and made our total home buying experience smooth. He was always available for any questions or was very quick in response. Thank you again and I will definitely recommend them to my friends and collogues.

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 team I had loans with other lenders and credit union they won't cross examine too many things that not needed.

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.

Highly recommend Chirag Rachhadia and can say that he exceeded our expectations. We were very pleased with quick and professional service from Vema Mortgage.

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.

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.

Your search for best mortgage company who is a customer advocate, takes care of and offers best rate with quick turn around then don't look any further. I've worked with Ramesh Nagarajan twice and my experience was completely delightful.

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.

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.

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.

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

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.

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.

I’m very happy to work with Vema, Sebastin helped me with quick turnaround time for processing loan with competitive rates

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.

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.

Sebastian George (Vema Mortgage LLC) is very professional and friendly. we have done re-fi with him several times, whenever we need to re-fi or need a expert opinion, i would just contact him and would get a prompt response. I have referred him to several friends and all have had very pleasant experience as well.

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.

Vema Mortgage was really communicative and approachable. They are pleasure to work with and made every process of the loan very user friendly and also they promptly addressed any concerns and followed up professionally. I recommend Vema Mortgage to anyone needing a lender!

It's my pleasure to write a review for Vema Mortgage and especially about Ramesh Nagarajan ! As a first time home buyer I had so many questions. Many things were unclear to me until I spoke with Ramesh over the phone. He was very patient and explained each and everything that I was unclear earlier. He educated me with lots of stuff in mortgage loans and walked me through the entire process. He had several check points to ensure that everything is going on it's way. Whenever I message him with a specific question he would just call back and clarify it with crisp answers. I would highly recommend anyone to try Vema Mortgage and Ramesh Nagarajan if they are looking for one. Thanks again Ramesh!

I had great experience refinancing my mortgage with Vema Mortgage LLC. Very quick response, efficient and best rates offered. They closed my loan in less than10 days. Definitely recommend using them.

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

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. ?

As a first time home buyer I was so much confused about the Home mortgage.I compared rates with other lenders & Vema gave the lowest rate. Vema LLC, Sebastian & his team helped me the closing process very smoothly & within promised time frame.

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 .

Mortgage specialist and my go to person for home buying/refinance. He is very helpful and always reachable, even 6 months or a year later if you need to check on any details. Very detail oriented, has the best rate/terms and a good network of home professionals if you ever need any. Glad I was able to find Sebastian and use his expertise for my home refinancing.

Excellent service, great suggestions and took care of us all through. We got the best rate (so good that even the realtor and lawyer commented on it ) . Would highly recommend Vema and Sebastian for any mortgage related needs. Thank you.

I have done mortgage and then refinancing with Sebastian. Great and pleasant experiences. First time when I started with a bigger financial institute there were many ifs and buts attached to the attractive rates without proper clarity. Whereas going with Sebastian I got the lowest rate and clear and precise details. Clients have such trust with Sebastian that many of them need not to talk to anybody else, that is what I did during my refinancing. Saved both money and time.

I had a fantastic experience working with Vipul. He is very responsive and helpful who goes above and beyond to get the best rate for his clients. The entire refi process was a breeze and absolutely no surprises. Great team to work with. Highly recommended!

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!

Mr. Vipul was extremely quick and responsive whenever I reached out to him. He was knowledgeable about the entire process, walking us through all the details, proactively showing us all our options...He offered us an unbeatable mortgage rate...without a doubt we would recommend Vipul & Vema Mortgage to whoever needs help with mortgage. Thank you Vema Mortgage team for all the hard work!

Very Professional and prompt service. Saby helped me through the process and was very helpful and resourceful. I would highly recommend Vema Mortgage. Their rates are very competitive too

We got the best and seamless mortgage financing and refinancing service from Vema Mortgage. You can confidently count on Sebastian to get the best possible rates. His communication is always honest and fast.

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.

Working with Manju Kizha was our best mortgage experience ever! We have had painful back and forth for paperwork with the underwriter in the past. But, with Manju, her directions were so clear and concise that we were able to provide all the paperwork first time and get the loan approved at lightning speed. The speed with which it happened, our builder and real estate agent was extremely surprised. We highly recommend Manju Kizha for your Mortgage needs! Ask for Manju Kizha from Vema!!

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....

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.

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.

Sebastian and his team were excellent during and after the entire lending process. His experience and expertise in the field, quick turnaround, prompt and detailed explanation were of great value to me.

Vipul Hapani is a very honest and knowledgeable person, he helped us in buying a property and guided us in each and every step as a first time buyer. He closed my home on time and I am very much satisfied with his work and his commitment. He is very much customer oriented and I would surely recommend him

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/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.

It was great working with Vipul for mortgage application. He was very helpful throughout the whole process and very responsive. He would go above and beyond to help his clients in any way possible. Would definitely recommend him for all your further mortgage needs!!!

In the Current Market Condition, the Home buying experience is rough for the buyers, especially first-time homeowners like me. I thought finding and arranging the right Mortgage and locking the correct rates within provided time would be more hazel. Luckily found Ramesh Nagarajan, Vema Mortgage. He offered me the best rate where no Mortgage company was able even to come closer to that, and to my surprise, he completed all the formalities and got the loan approved and clear to close in a week. My experience with Ramesh Nagarajan and Vema Mortgage is excellent, and He WoW me with his attitude and customer experience. He is very quick and prompt in his response (text and calls). Very satisfied Thanks Very much, Ramesh

Sebastian helped me with my mortgage for my first home . Needless to say that first time home buying process comes with tons of questions . One is cautious, nervous and has this mixed bag of feelings where you don't want to make any mistakes .Sebastian and his team made things so easy for me right from the go . I got my pre-approval letter within a matter of hours and they closed my loan process within 10 days . Given that this was my first house I wanted to understand things in details out of curiosity . The VEMA mortgage team (Sebastian, Johnson, Laxmi & Manju) answered each and every question , explained each and every line item in the final CD with patience and a smile on their face .They kept me updated constantly on what was to come next and what needs to be started and completed ASAP. The title company they got me in touch with - Calvin from Everest title was good to work with too . He came in fully prepared on the day of closing and we closed in less than 30 minutes .First home buying is a unique experience for anyone . Thank you VEMA mortgage for making it so stress free and special for me . I would highly recommend Sebastian and his team .They will work hard for you and get you the best deal on your mortgage .

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.

Johnson made my loan process easy and smooth, personally guided me on each and every step explaining me the pros and cons. He is highly recommended for any home buyer and he is available 24/7 for any questions. Appreciate all his efforts.

I would really recommend working with Shaheen. A really hassle-free and pleasant experience.

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!!

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.

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 realtor recommended 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!

Chirag is absolutely amazing to work with. I did my closing with Chirag recently. It went really smooth with him. He not only worked on my loan but also guided me at each step as this was my first home buying experience. Thank you Chirag for all your hard work.

We ware lucky to work with vipulbhai from vema mortgage, who made loan process for home buying so easy . He worked Sunday night to help us get the pre- approval and completed our loan processing on time.we never had worry about anything. Thank you vipulbhai for making our experience so pleasant.

Mr. Johnson & Vema Mortgage helped us to close our dream home on time, with the achievement of super fast clear to close (CTC) in 8 days; I honestly recommend Mr. Johnson & Vema Mortgage for any loan application, as they are the most efficient, faster and most reliable.

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!

I was glad to choose VEMA, the process has very easy with their team. They have been very patient in explaining at every step of process. As a new home buyer I have been informed of the needed documentation upfront and I have been referred to right people for additional support. Most important of all is quick response and being available to talk for any questions. Support by their team over the weekends has helped expedite my processing. Look forward for their continued support in the years to come.

Manju at Vema helped us with the approval of the loan for our new home. We had a special situation and needed to close the purchase deal in a matter of two weeks. She worked above and beyond our expectation to help us with our goal and kept us informed about the improvements in the loan processing. She is friendly, competent, efficient, and dedicated.

My experience with Ramesh was exceptional. As a first-time buyer we were in uncharted waters, he helped us navigate through it. He was very approachable, friendly & patient in explaining anything we had to ask. Besides having the best rates compared to any other big players he also got my appraisal and origination fees waived off. Ramesh consistently followed up with the lender & attorney and had it closed in less than 2 weeks, he also kept me updated from day one till closing. I would recommend him to anyone in a heartbeat.

Sebastian George is a thorough professional. He was very knowledgeable about documentation needs and advised me promptly on what documents to prepare ahead of time. He was very patient and answered every question that I had. I would highly recommend Sebastian and Vema mortgage for any mortgage financing / Re-fi needs.

We were referred to Vema Mortgage by one of my friend. Our situation was challenging as I had to do a quick closing & has a very busy work schedule. We are glad that the Team at Vema (Sebastian, Johnson & Manju) were able to accommodate us. They are open all days till 9:00 PM. They closed out deal in 13 days with the best rate in the market. It was a smooth closing with no surprises. I would refer all my Friends to the Team at Vema Mortgage.

Excellent experience working with Ramesh Nagarajan from Vema Mortgage. He helped us from pre-approval to closing. He explained the mortgage process, the paperwork needed and all the numbers. Ramesh's attention to detail and follow-thru helped us to secure the mortgage loan in a remarkable 20 days. We highly recommend Ramesh's services to anyone looking for a dependable mortgage broker. Thank you Ramesh!

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.

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 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.

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.

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.

We are so satisfied with the way Vema mortgage handled my mortgage when I purchased my first home, that’s why I went back to them many times for refinances also and every time I get great service. We have no clue about mortgages and refinances so I wanted someone trustworthy so that they can guide me through the process and explain everything in details and help me to make the right decisions, Vema mortgage helped me beyond my expectations. The best part is that Vema mortgage will work with our schedule for convenience, for closing loans instead of having us go to their office they came to our house in the evening after work on a snowy day we don’t have to go through the hassle of driving in the extreme weather condition to go to their office, which was very cool. I recommended them to one of my friend from church, now our whole church is their customer. We are so satisfied with their service that we highly recommend them to anyone for their mortgage and refinance need.

Mortgage Refinance Made Easy <-- Simple but most meaningful way to put my experience Sebastian/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

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.

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

I was introduced to Johnson by known sources and he was really good in guiding us to choose the right option for the loan , as we were first time buyers we really needed a genuine person whom we could Trust. He guided us for all the necessary paperwork and we submitted everything in time and our loan also was processed within 10 days as promised by him. We saw the house on December 9th and loan got approved by December 19 and the closing of house done on December 28 by Gods grace. I would recommend Johnson 101%. Happy New Year 2023.

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 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.

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.

Happy to say Vema mortgage provided us a very smooth experience processing our mortgage application. Thanks to Chirag for being there always for answering our questions and making this experience great.

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.

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.

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 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.

Sebastian is having very good Knowledge in this field. Its Easy to work with and gave the best rate of any lender. Closing was able to be completed in 30 days and Sebastian could be reached anytime you needed for any questions. I would highly recommend VEMA to others.

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.

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.

Had very good experience for getting home loan. Johnson was our loan officer and he gave us best interest rates in market. Also explained us different type of loan options. Thank you Johnson

Mortgage is a critical part of the home buying experience. As a first time home buyer, it was very helpful for me to work with someone who was extremely responsive and very knowledgeable of the overall process. Nowadays, almost everyone offers competitive rates but the advantage of working with a small firm is that you get a lot of personalized attention and the same individual is there to guide you in every step of the process. In this case, it was the owner Sebastian George himself. Sebastian is always just a text away whenever needed and will make sure you are prepared for EVERY scenario that may come your way on the closing day. In the end, I’m very happy I worked with VEMA Mortgage and will strongly recommend the same to everyone.

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.

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.

Sebastian , Johnson and the entire team is amazing and they helped me throughout my mortgage process and made my first house buying experience super easy. They were available to answer my questions even in late hours on weekends too. They helped me get a great mortgage rate as well. I highly recommend Vema Mortgage.

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.

I had an excellent experience with Vema Mortgage. I got redirected to Johnson and his communication, personalized approach, and competitive rates made the entire process smooth. Highly recommended!

Sebastian & his team at VEMA mortgage were very knowledgable went above and beyond to make buying experience easy and non-stress. He was incredibly helpful, easy to talk to, made sure we understood everything that was presented to us through out the process, kept us informed the whole way. Sebastian, Manju were always on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. We were very pleased with the interest rate we received, Easiest and the best home mortgage transaction we have ever had. We will absolutely use VEMA and Sebastian as our loan office again in the future.

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.

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.

Can't thanks Sebastian enough for the wonderful job he and his team did for us. Absolutely amazing and super quick in responding to random queries even over the weekend. He explained everything very thoroughly and was always on top of the things until we closed the house even though being swamped with other files in progress.

Effortless mortgage with VEMA Mortgage Just closed my mortgage with VEMA Mortgage for an investment property at 5.99%. Outstanding customer service from Ramesh and Vema Mortgage. From the moment I contacted Ramesh, he demonstrated a high level of professionalism and knowledge. handled everything on my behalf, allowing me to be completely hands-off throughout the process. He was incredibly transparent and open about the available options, providing me with detailed explanations and comparisons to help me make the right decision. He ensured that all necessary paperwork and documentation were handled seamlessly. Completed the whole process within 15 days. He was very responsive and always available to answer any questions. Ramesh's commitment to providing exceptional customer service was evident in every interaction I had with him. I would not hesitate to recommend Ramesh and VEMA Mortgage to anyone looking for a mortgage.

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.

The interest rates we received are competitive and best in the market. The whole process until closing was smooth and transparent. P T Johnson from Vema Mortgage LLC helped us to understand mortgage process end to end until closing. Johnson was very quick and available most of the time to answer our questions. Thank you!

Had a great experience working with Chirag from Vema Mortgage. he is available all the time, been on top of things. I recommend for anyones Mortgage needs.

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.

Such a gem person to work with. What a smooth refinancing experience. Great skills and very professional and helping. Really loved working with Johnson.

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.

Being able to work with Vipul was a blessing in disguise. He was very helpful throughout this whole process, from applying/qualifying for the loan to the closing of the home. He often used his number crunching calculator in his head and knew exactly what he speaks. He guided me in the right direction, explained all the options and helped compare the advantages and disadvantages to the options being present, per our current situation. He speaks very honestly and can connect with you, based on your level of understanding of financing. To sum it all up, I hope that he doesn’t move into another field or business, as we seem to have found “our guy” for anything related to financing/loans/mortgages. Would recommend him to anyone and everyone. Very strongly recommend working with him.

I recently worked with Vema mortgage for securing a home loan. The process were very smooth and they gave me a great rate. They were highly flexible in their work hours and supported late evenings and even weekends . They were patient to go over the documents and answer any questions.Special thanks to Johnson and Manju.

It has been an absolute pleasure working with P. T Johnson and Vema Mortgage LLC. Throughout the process Johnson was absolutely professional in his written and oral communications and responding in a very timely fashion which was important to me. He laid out a clear timeline and the entire process followed the timeline. Due to his diligence, we were able to close on time. I strongly recommend P T Johnson for your mortgage needs and I will definitely reach out to him for my needs. Padmanabhan

Johnson is an absolute pleasure to work with. I was amazed with his professionalism and more importantly openness to work with the 1st time home buyers. He was always available to take our endless questions and provided right guidance at each step of the process. I highly recommend Mr. Johnson and thank him for his excellent service.

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!

PT Johnson was a pleasure to work with from start to finish.His approach and expertise were invaluable and helped to ensure we got competitive rates and also smooth closing . PT Johnson was quick and always available to answer questions. He made the loan process almost effortless.

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!

Chirag helped me close my home two years ago. When I had a question regarding my PMI I called him and he still helped me navigate to do the right process. Very happy to get the support even after two years of closing from Chirag.

Excellent service and very knowledgeable loan 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 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.

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 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.

It was nice working with sabby, he was very proactive and available at flexible times. as a new home buyers he patiently walked us through lot of disclosures and guided us with right option among many

Vipul helped me twice in the last 6 months securing a good interest rate and smooth closing for purchase and refinace. I would receive Vipul and Vema mortgage for friends. Great working Vema mortgage. Thanks!

Ramesh Nagarajan worked with us on the mortgage of our first home. He is well informed, transparent and highly organised. Not only did he provide the best rates, closing costs, but he ensured the loan was ready to close well ahead of the closing date! When we were in the process of choosing a loan agent, I spoke to a couple of them over the phone. Although Ramesh offered the best rates, what stood out for me was the way he took the time to educate us regarding the loan process. We weren't treated like just one of his customers, rather it felt like we were working with a friend whom we can trust. Thank you Ramesh for helping us out!

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.

We recently purchased a home through VEMA mortgage and the process was very smooth. I worked with Johnson and he guided us through every step took time to explain all the questions i had. Our closing was very easy and was done on time. Thank you Johnson for making this process as seamless as possible.

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.

Refinance Process completed so smooth and perfect. Kudos to all the effort Mohan koday ??

I got excellent services from Veema mortgage. Their whole process was smooth and easy. I worked with Johnson who was very friendly and answered all my questions. He made sure the whole application process finish within time. What a great service they provide! Go with them for all your mortgage needs.

We had an awesomely great experience partnering with Vema Mortgage loan officer Mr.Sebastian George. He is very knowledgeable, subject matter expert, reachable and provides timely responses to all the queries; especially for a first time home buyers, this is very critical. Sebestian and team worked tirelessly for clear to close within stipulated timeline despite of challenges that presented itself due to supply chain issues.I would recommend Sebastian and the team Johnson and Manju for their commendable work they do.

Vema Mortgage was very professional and made the entire process super smooth and easy for us. Everyone at Vema that I interacted with were extremely knowledgeable, responsive and accessible. As a result, we were able to close the purchase much earlier than we originally anticipated. Their rates were the best in the industry, better than country's top online mortgage lenders. For me, it was basis points lower that the top online mortgage lender. I would highly recommend Vema Mortgage to anyone who is looking to buy house.

Vipul was incredible throughout the entire loan process. He made everything seamless and stress-free with his expert guidance, prompt communication, and quick responses. Highly recommend!

It was a great experience working with Vema Mortgage team to get the loan done. I worked primarily with Johnson who promised me that closing can be completed in a month and I'm excited to say that it was done in 31/2 weeks!! They are simply above competition as far as my experience with brokers. A special shout out to Manju and Lakshmi for their prompt replies to my queries. Highly recommend to anyone looking for mortgage needs.

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.

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.

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.

My deepest gratitude to Mr. Vipul Hapani from Vema Mortgage LLC for making a daunting task of securing a mortgage for my new home seem effortless. Not only did Vipul made the process very seamless but also ensured that I get the best rates as compared to some of the other mortgage agencies who had assured me to match the best rates. Vipul was in constant touch with me from the get-go and advised me on the appropriate timing when to lock the interest rates. Vipul's professionalism, transparency and commitment was remarkable. I would also like to thank Mr. Niraj Thacker-Esteem Properties Limited for recommending Mr. Vipul Hapani to me. Vipul didn't just help me secure a mortgage but provided a comprehensive, personalized and highly satisfying experience. I would recommend them without reservation to anyone in need of an exceptional mortgage service.

I cannot express enough how grateful and satisfied I am with the outstanding service provided by our Vema mortgage. From the very beginning of our home-buying journey to the closing day, they have been an invaluable asset, guiding us every step of the way. I wanted to take a moment to share my experience and acknowledge their exceptional work. 1. Expertise and Knowledge (?????): Our mortgage broker possesses an impressive depth of knowledge in the complex world of mortgages and financing. They patiently explained every option available to us, ensuring we made informed decisions. Their expertise was evident in their ability to secure the best possible terms for our mortgage, ultimately saving us a significant amount of money in the long run. 2. Personalized Service (?????): One of the most remarkable aspects of working with our mortgage broker was the personalized attention we received. They took the time to understand our unique financial situation and long-term goals. This tailored approach resulted in a mortgage package that was perfectly aligned with our needs and aspirations. 3. Communication (?????): Effective communication is paramount in the mortgage process, and our broker was exceptional in this regard. They were prompt in responding to our queries, providing clear explanations, and keeping us updated at every stage of the process. This level of communication instilled confidence and reduced stress during what can be a daunting process. 4. Accessibility (?????): Our mortgage broker was consistently accessible and accommodating. They were willing to meet at our convenience, whether in person, over the phone, or via email. This accessibility made a significant difference, especially in a fast-paced real estate market. 5. Problem-Solving (?????): Throughout the process, our broker demonstrated remarkable problem-solving skills. They navigated unexpected challenges with ease and efficiency, ensuring that our mortgage application stayed on track and closing happened on schedule. Their ability to adapt and find solutions was truly impressive. 6. Transparency (?????): Transparency is a crucial factor in such a significant financial decision, and our mortgage broker was open and honest in all dealings. They provided us with detailed breakdowns of costs, fees, and potential risks, allowing us to make well-informed choices. 7. Closing Efficiency (?????): The closing process, often known for its complexity, was remarkably smooth thanks to our mortgage broker's meticulous planning and attention to detail. They ensured that all documentation was in order, coordinating with various parties involved to ensure a seamless closing. Conclusion: Working with our mortgage broker has been an exceptional experience. Their professionalism, knowledge, and dedication have made the process of securing a mortgage not only efficient but also surprisingly enjoyable. I wholeheartedly recommend their services to anyone seeking a mortgage professional who goes above and beyond to deliver outstanding results. Thank you, [Mortgage Broker's Name], for helping us achieve our homeownership dream!

I recently had the pleasure of working with P T Johnson as a first-time homebuyer, and I couldn't be happier with the experience. From the moment I reached out, Johnson went above and beyond to guide me through the loan process with patience and expertise. Not only did Johnson help me secure a competitive loan, but he also took the time to explain every step of the process in detail. As a first-time homebuyer, this level of guidance was invaluable and helped alleviate much of the stress associated with obtaining a mortgage.

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.

Sebastian is just awesome, he is our go to guy for years and is always available for any kind of doubts. Highly recommend having him for all your needs regarding mortgage.

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!

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.

Chirag is a great guy to work with. He helped us with refinancing our current home. Through out the process he was very patient in answering my questions and securing the loan. He handled so perfectly that we didn't have too many sessions in submitting the required documents for underwriters. He even helped us in making some decisions on other properties when we were working with the builder. I highly recommend Vema mortgage.

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!

Sebastian and Johnson make the mortgage process extremely smooth. Johnson was very thorough and responsive throughout the entire process. All questions were answered in detail. To top all this, Vema had the most competitive rates. I recommend Vema Mortgage, true professionals. Easy five stars.

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.

Worked with Sebastian, he was very helpful and always available. As a first time home buyer I had multiple questions throughout the process and Sebastian very patiently answered them and provided explanation whenever I needed one. We closed on time without any issues. Very good experience working with him and his team right from the pre-approval to closing, I would definitely 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.

Vipul was incredibly patient and educated me on all aspects of my loan, and got me the best rate and closing costs possible compared to other lenders. I would highly recommend his services! Very pleasant to talk to as well and easy to reach with any questions that arose throughout the home buying process.

Trustable lender, faster loan processing and excellent service. It was a great experience working with chirag. He is very helpful in each steps of the process. I'm highly recommend chirag and vema mortgage service to my friends and family.

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 !!

Sebastian and his team were immensely professional, accessible, extremely organized and always ready to help. They guided me through the mortgage process patiently and also helped me with the best quote. I highly recommend Sebastian and his team for all your mortgage needs.

Me and my fiance' worked with Sebastian for the mortgage process for our first home. He was very professional and always available for questions and clarifications! We appreciate his and his teams effort to secure us the mortgage.

I had the opportunity to work with P. T. Johnson of Vema Mortgage. He is incredibly easy to work with and highly professional. He is on top of everything, and thanks to his expertise, my mortgage process went very smoothly. I highly recommend P. T. Johnson and Vema Mortgage for your mortgage needs.

We did our mortgage process through Vema. I must say I had a wonderful experience working with them. I worked with PT Johnson and he explained me with each and every step of the process personally, clarified all my doubts and gave me a competitive rate which no one was even matching it. Overall as a first time home buyer I had a great experience working with PT Johnson and Vema.

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.

Vipul helped me get the best rates possible when the interest rates were super high. I was able to close on my house in a really short period. Vipul was accommodating with the early closing date and helped me ( first time home buyer) understand better about mortgage options.

Vipul's services were very prompt. Despite aggressive timelines to closing, he and his team pulled it off very well reducing my anxiety as first home buyer. There were lot of unknowns to me and Vipul walked me through all the questions/clarifications that increased my confidence in making right decisions during the loan application process.

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.

Aug 2021 I again availed Vema Mortgage's service for refinancing. I am simply amazed about how easy it is to get anything done using their service. Just provide a few documents and forget about it. They do everything for you with minimum follow up required. They help you secure great rates and make the whole process feel like piece of cake. Thanks again Vema Mortgage LLC! April 2020 Vema Mortgage helped me out with my home purchase recently and i had a very satisfying experience throughout the process. Sebastian is not just highly professional but also knows the job very well. He was able to expedite things whenever necessary to meet deadlines. He works with you, takes time to understands your needs and finds you the best possible mortgage rates. Working with Vema gave me peace of mind and enormous savings on top of that. I am very happy that i chose Vema Mortgage and would highly recommend to anyone looking for a new mortgage loan or refinance options. Thank you Vema Mortgage LLC.

Vipul is a great help in seemingly daunting task to find mortgage in the shorttime after offer and before closing. Happy to have received your support.

Thanks for Chirag Rachhadia, Working with him all throughout the process of refinance was excellent experience.

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.

Great experience and amazing support by Johnson. He ensured smooth closing and proactively handled all the activities. He ensured to keep us posted and informed about everything we needed to know as first time buyers. Pleasure working with Johnson!

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 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 recently worked with vipul for my loan, and the experience was outstanding. He was incredibly professional, knowledgeable, and always available to answer my questions. The process was smooth and stress-free, thanks to vipul's expertise and dedication. Highly recommended!

It was great working with Vema mortage for recent home purchase. Sebastian & Neelima helped me throughout my mortgage loan processing. They are very knowledgeable & experienced. Entire Loan process & closing was also very smooth. I highly recommend Vema mortage LLC for any mortgage help.

My cousin recommended me to approach Sebastian George to get the mortgage for my first home here in Michigan. As it's my first home I wasn't very sure about the process and steps involved, but Sebastian explained me the details very clearly. At the initial stage after the seller approved my offer, I was little worried and overwhelmed with all the things involved and the agent was kind of pushing me to get things completed in a hurry and the closing has to be done in 15 days and during that time Sebastian did talk to my real estate agent and helped me cooled down and he took care of all the work for my home buying process to go smoothly. He also told me that I don't have to pay the appraisal fee as I am putting down 20%. I would highly recommend Sebastian and Vema Mortage LLC as your lender and other services they provide. I am glad that I found Sebastian for helping me buy our first home in the US.

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.

It was a wonderful experience with Vema Mortgage. PT Johnson was amazing, he was very quick to respond and made the whole process very easy. He gave the best rate which nobody could match. I highly recommend that you get in touch with him for your mortgage needs.

Really liked working with Sebastian throughout my house buying process. He made my financing process very smooth. From start he provided valuable guidance and was always easily reachable which helped us to close on time

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!!

Vipul is very professional in field and value his customers. He makes sure to give you right guidance and all the information needed. I highly recommend to work with him.

Johnson is fantastic! Super helpful during the entire process and really spends his time making sure all your questions are answered. Great guy to work with and highly recommend!

Timely responses to questions and updates throughout the process. Efficient handling of paperwork and timely scheduling of closing appointments. Smooth closing process.

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.

Sebastian has helped me at least 3-4 times (refinancing/new mortgage). Every time, I get at least 3 estimates from lenders and brokers, but Sebastian always comes up at the top of the list for the rate and closing costs. If you are looking for a great deal, Sebastian is your man.

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

quick and smooth loan process Johnson is an absolute pleasure to work with. I was amazed with his professionalism and more importantly openness to work with the 1st time home buyers. He was always available to take our endless questions and provided right guidance at each step of the process. I highly recommend Mr. Johnson and thank him for his excellent service.

I had the pleasure of working with Johnson, a mortgage broker at Vema Mortgage, and I must say that he demonstrated exceptional communication and management skills throughout the entire loan process. Johnson was highly efficient in his work, consistently ensuring that everything progressed swiftly and efficiently. Furthermore, he was able to secure the best possible rate for me, which is a testament to his vast knowledge of the industry. Johnson's professionalism and attention to detail allowed me to close my mortgage loan within a remarkable 20 days, which was a fantastic experience. I highly recommend his services to anyone in search of a skilled and dependable mortgage broker.

We had our whole refinancing process done with Vipul from Vema Mortgage and we had an amazing experience. He called me when I am so worried about my interest rates and he worked with us relentlessly during this very crucial time period. He was always available to answer any questions that we had and he took everything into his hands and just used to update me on what is going on and what is the better solution and made me rely on his process. Such a dedicated person he is. In no time, he became a close friend and a more valuable guide that I don’t need to worry about my loan! I highly recommend Vema to everyone!

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.

It was great working with Vipul at Vema. He takes time to understand your situation and provide the best advice. He is always available to answer your questions and take you through the process. Vema mortgage has one of the most competitive rates in the market and I would recommend Vema and Vipul anytime

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.

Had a very positive experience from initial application all thru closing. Sebastian and the entire team was very responsive and helpful in decision making and gave relevant heads up before every crucial step.

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.

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.

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!

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.

Excellent experience with Vema Mortgage. Vipul was very knowledgeable, responsive and made the entire process seamless. From pre-approval to closing, they guided us every step of the way. Highly recommend their services.

I have worked with Mr. PT Johnson for house loan and I would say he is the “best” lender. He was able to beat the current interest rate which other lenders were offering and he always kept me updated and was very detailed whenever I communicate with him. He made the lending process and closing super smooth. I highly recommend PT Johnson and Vema Mortgage.

Mohan Koday helped me and my family by providing with best interest rate and entire process was so smooth… Thank you Mohan Koday and Vema Mortgage… we appreciate all the help you have given to us…

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.

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.

Sebastian and his team were immensely professional, accessible, extremely organized and always ready to help. They guided me through the mortgage process patiently and also helped me with the best quote/rates. they are always available for answering questions and addressing concerns. they gave me better rates as expected I highly recommend Sebastian and his team for all your mortgage needs.

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.

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.

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!!

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.

Sebastian is very knowledgeable and he was very helpful as we purchased our first home. As first time homebuyers, we had a plethora of questions and Sebastian patiently addressed each of our concerns and we felt reassured that he would be a reliable partner during this homebuying journey. We are grateful for the support from VEMA mortgage staff members as we had questions about interest rates and appraisals. We look forward to this partnership as we begin this home ownership.

Sebastian was a pleasure to work with right from the start. As a first time home buyer, he walked me through the entire process from pre-approval to closing, and answered all my questions along the way. The whole journey was smooth and transparent. Highly recommend!

Highly recommend Vema Mortgage,Sebastian is very efficient , responsive and proactive ,making the whole process smooth.

Sebastian George has been very helpful during the closing process of my house purchase. He was always approachable even after loan closure. I recommend Vema mortgage for stress free, hassle free loan closure with competitive interest rates. Agents are reliable and they take care of everything.

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 !!!!

As every first time buyer, I used to have all kind of questions. Sebastian helped me to navigate through the entire process with detailed communication in every step. I could lock in a better rate when the average rate is high. Also I had a situation of changing employer while starting the process. I mentioned this to Sebastian and he clarified the details and asked for the verification documents including employment verification letter. He communicated details before closing and walkthrough every details on the cost involved for closing. He was very easy to work with and will be definitely my first go to place when I am in need for new mortgage or refinance needs.

Best in town. Thanks for helping my son to have his dream come true and recommending Sarabjit Narula as an agent. He is an awesome person in fact you both are. Know you from last 20 years as my Coustomer but was an honor to be your Coustomer now. Thanks

Vipul consistently stayed ahead of the process, ensuring that the closing went smoothly. We were expertly guided through every stage of the loan closing process and were always kept informed about the next steps. No other vendor could match the loan rates and discounts provided by Vema Mortgage. We hope to work with them in the future as well.

Working with Vipul at Vema Mortgage was truly amazing experience. Vipul was with us at every step from day one. He provides competitive market rate with best customer service. Thank you and I would highly recommend Vema Mortgage. Thank You

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 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.

Vema was a savior for us - they stepped in last minute when another lender could not make the closing date for us. Jansy and Sebastian both worked tireless to get my loan approved and the new home closed!

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!

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.

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.

First I want to thank u a lot Mihir Patel. This is our first time home buyer loan. Mihir did really great job. He get my loan approval in very short time period no much hassle. I highly recommend to mihir patel for mortgage loan.

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.

I worked with Johnson from Vema Mortgage. His response, Support, expertise helped us to get the clear to close on time with good interest rate. Thank you very much for all the hard work.

Its been a pleasure working with Vema Mortage LLC. Mr Sebastian George was very prompt in addressing our queries and also processing our request.

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 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.

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.

PT Johnson helped me in getting a mortgage for a home that I purchased recently. I would highly recommend him, he is very knowledgeable, transparent and goes out of the way to help his clients. As a first time home buyer, he helped answer all my questions very patiently and got me a really good rate, better than I was expecting.

I recently bought my home loan through Verma mortgage and had the pleasure working with P T Johnson. , Johnson made the entire home loan process smooth and easy. Their response is always quick and able to close the loan process on time. I highly recommend Vema Mortgage to anyone in need of a mortgage.

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.

Thank you Vipul for providing support and help during the entire process. He is thorough and clearly explained the process. He was clear in his communication and did what he promised. He is very friendly and has very good knowledge of the mortgage process. All the process was done in timely manner. I will highly recommend him

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!l If you are in market for home loan, just call Vipul Hapani.

Ashrith desu from Vema mortgage provided great support and competitive rates with exceptional guidance all along the journey. Highly recommend them.

Excellent and very efficiently job done for my new home closing by Chirag. The entire process was smoothly handled by his vast knowledge and experiences on mortgages. I would definitely recommend him to anyone who asks me/looking around for mortgages. Thank you again Chirag for your excellent service.

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.

The mortgage process was very smooth. The mortgage officers were very responsive and were always ready to help. They provided me with necessary guidance throughout the process. I would highly recommend Vema mortgage for your next mortgage needs.

We recently bought new home loan through Vema mortgage and had the pleasure working with Vipulbhai. He made the entire loan process smooth and easy. Their response is always quick and able to close the loan process on time. I highly recommend Vema Mortgage for your new home buying loan process.

Nice to work with Vipul and very transparent. Prompt response and Provides the best rates possible. Will recommend to friends as well for best rates and experience.

I highly recommend Vema Mortgage service. We worked with Sebastian George who was very professional, prompt, transparent, offered the best interest rates with no haggling, lowest closing costs, and closed on time with zero hassles. What more can you ask for as a first-time home buyer?

Vipul provided outstanding customer service, consistently prioritizing client needs with prompt responses and clear guidance. His attention to detail ensured accurate documentation and thorough review processes, making the refinancing experience smooth and reliable.

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.

I obtained my home mortgage through VEMA MORTGAGE, and Mr. Sebastian guided me through each step, explaining everything in detail. He offered the best interest rate in the market and the highest lender’s credit compared to other options. I highly recommend Sebastian for home mortgages.

I have worked with Sebastian.G for 5yrs now towards refinancing my previous house mortgage and new mortgage for my new house as well. Sebastian is highly professional and very communicative lender. He provides with various options to choose and suggests the suitable ones(if asked) for you. Sebastian, alongside Vema, have been acting promptly & professionally during the entire process of closing of my new home. They have reached out to me ahead of time for all the necessary documentation and have closed the mortgages in a timely manner. Sebastian has been a great lender and a good friend helping me with mortgage/rates/refinancing advices too. Would definitely recommend him to any of my friends.

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!