Find Trusted Mortgage Lenders & Brokers in Lorena TX

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

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

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

Great service

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

Professional and easy to work with.

Very helpful. Fast processing mortgage.

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

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

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

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

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

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

Helpful people everytime

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

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

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

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

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

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

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

Amazing experience with mortgage with Vema and Sebastian

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

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

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

very knowledgeable

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Excellent Customer service . Amazing interest rates.

Excellent service

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

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

No gimmicks, and quick response

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

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

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

Very knowledgeable, reliable guy and prompt on response .

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

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

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

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

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

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

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

Highly Recommended to work with and Very quick in response

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

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

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

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

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

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

Great Person to work with

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

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

Excellent guy to work with. Great response and good advice

Had a smooth refinance and all my questions were answered.

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

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

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

Excellent customer service. Always prompt response.

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

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

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

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

Excellent work by Sebastian! Smooth transaction. March 2018

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

absolutely the best service by Sebastian!

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

I would highly recommend Sebastian.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Excellent service ...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

great guy to work with

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

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

Quick and unbiased service with best possible rates

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

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

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

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

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

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

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

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

Very prompt and transparent!

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

Gave good price, Closed the loan fast.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Great customer service!!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

It was great working with Sebastian!

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

Very quick to respond and best rate around

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

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

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

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

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

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

Sebastian is an earnest guy who looks out for his clients and gives them personal attention. I financed my home thru him earlier this year and refinanced it thru him recently.

It has been a pleasure to work with Vipul from Vema Mortgage for home mortgage refinance. He is very professional and prompt while responding.

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

This to refinance my home and it was such a wonderful experience at each step, with a closure less than expected time.

I got my house refinanced by Vema Mortgage personnel. Chirag Rachhadia is your go to man. Highly professional. To the point and provides the best rate in the market.You won’t be disappointed from initiation to closure he will hold your hand

I came to know about Vema Mortgage and Chirag from my friend. I called Chirag and he is very professional, helpful, responsive. He was always available to his customers. I am able to hold him in the late evenings to discuss on my questions. He is able to close my loan in 15 days. I strongly recommend Vema Mortgage and especially Chirag for your Mortgage needs.

Best experience. Very competitive rates. Very fast closing. And most importantly, very responsive.

Vipul was amazing to work with for our home refinance. We felt he was very knowledgeable, honest and kept his commitment to getting us the best interest rate he could. We were working on some short timelines and he was available to answer our questions regardless of the time of the day. We felt he did not push us in any particular direction and yet provided great advice and answered all of our questions for us to be able to make our own decisions.

Vipul has been super great in supporting me with my refinance. With a busy home financing season I expected a longer closing time. But Vipul made is very quick easy. On top of the he strives to get the buyer the best of the options available.. definitely recommend any day

Amazing experience. Helped throughout the process - Vipul H. was aways prompt response when we had questions. High quality customer service. In these times, mortgage process can be stressful but Vipul made sure that was not the case. Would surely recommend. I am glad they are expanding their services in other states - FL and VA

Exceptional service and closing was very quick than excepted. My entire refinance process was very peaceful with no surprises. Vipul kept his promise on the closing cost did a great job on closing my loan within 3 weeks. Highly recommend him for mortgage financing needs.

Better Service than expected.

Recently refinanced through Vema Mortgage...had a very amazing experience with them..I was helped by Chirag Rachhadia. He is very knowledgeable and know in and out of mortgage industry and market valuation. He helped me throughout the process and went above and beyond to get me the best rate available in market...always promptly responded to all my questions and concerns and guided me in right direction....He is a great asset to Vema mortgages....thanks for everything Chirag...You are the best !!!

I was referred by my friend and we are happy that we went by his suggestion. Sebastian and his team did nice job in handling my mortgage process. They were receptive and took time to explain things with patience. I recommend them to all new home buyers

My experience with Vema Mortgage was awesome. As a Ist time home buyer, I was very nervous but Vema Mortgage team were helping me out through the process and guided me very well till Clear to close. Also there is no hidden fees and got very low interest rate as well. I strongly recommend Vema Mortgage LLC to anyone.

Sebastian helped me get into the house sooner than I expected. Process was very swift and efficient. I would definitely recommend him to all my friends. Very happy with the services I have received.

Competitive Quote and faster closing. Everyone with Vema Mortgage are friendly and supportive.

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.

Chirag has been amazing for the refinance of my home and the entire process was seamless and he takes care of everything for you and follows up with all the required folks to make sure the loan is cleared to close well before the anticipated time. Have recommended Chirag to many of my friends and they are very happy with the rate and overall process. Thank you Chirag.

Chirag was amazing to work with, he was professional, honest and on top of the entire process. Chirag explained every step I went through, I have never felt more at easy during a real estate transaction. He obtained an amazing interest rate for me, as well as making the entire refinance painless. I will be back everytime I refinance. I cannot recommend Chirag enough, he's has a first class operation.

Chirag Rachhadia has been amazing with my mortgage refinance. He got everything done in just 15 days with great rates. He was always available and been very prompt with responses. Excellent person to work with. I definitely recommend Chirag to anybody looking for new mortgage or mortgage refinance.

Sebastian is very professional, knowledgable, and very efficient. Highly recommend!

Exceptional service, best interest rates, transparent process, great team to work with. I highly recommend Verma Mortgage/Sebastian and his team for your mortgage and refi needs.

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!

The Vema Morgage team is incredibly professional, supportive, efficient, patient, honest, transparent...in one word - EXCELLENT! From the very first call until after closing, the entire Vema Mortgage team was incredible. My husband and I are first-time homebuyers and working with Sebastian, Johnson and the rest of the Vema Mortgage team was one of the best decisions we ever made. We shopped around with multiple banks and credit unions to get the best rates possible, but the Vema Mortgage team not only offered us the best rates, but also the best service out of all of them. When we needed a pre-approval letter, Sebastian had one ready for us within 30 minutes. Sebastian and Johnson navigated us through the entire loan process, patiently explaining anything we did not understand. Whenever we had questions, they were always available any time we called. We are still in shock at how smooth and low-stress the whole process was. We honestly could not have done this without Vema Mortgage and we cannot give them a strong enough recommendation.

Sebastian & his team are very professional and get the job done!

I did refinance in record time at a very good rate with almost $0 closing cost. It was very smooth experience in this pandemic times. Liked every bit of the process. Very courteous staff.

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.

Vipul did a great job. Very prompt and responsive.

It was great working Chirag. He is so cool and explains every single doubt you have in closing estimates. It’s really worth going with these people. I also like rates, matches to market best rate.

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.

You will get right advice from Vipul regarding when to lock the rate, so that you can possibly get the best rate. He is friendly and professional at the same time. He will also guide you to agents for home insurance who can give you best rate with discounts. He gave me best closing cost credit on his capacity.

Chirag assisted me through out the process in a professional way and helped me to get the best value

Had a good experience working with Johnson and Sebastian. They explained the process in detail. They made sure every minor issues that came up were sorted out. Satisfied.

Sebastian and Manju has been very helpful every time we contacted them. They explained everything in details and provided us a very low rate compared to other mortgage companies. They made closing very smooth. I highly recommend them for your home mortgage.

Chirag helped me to lower my interest rate and monthly. I am very thankful to him.

Vipul is so professional and on top of everything. Not only the best rate and cost I could find, fastest closing I've been through so far, ****one week*** from origination. Go to person for all my financing needs. ******GREAT JOB*******

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

We closed our investment property mortgage with Vema Morga, We worked with Chirag and it was absolute delight to work with him. He was great to answer any questions and very responsive. He got us best rate in market. We will surely work with him in future.

Sebastian, Johnson and Manju have been very helpful every time we contacted them for our mortgage needs. They were patient to understand our needs and was able to help and guide whenever there were questions and made sure that the overall mortgage process was on time and smooth. They always followed up during the whole process and ensured that we got the best rates when compared with other competitors. Thank you very much and would recommend them for your mortgage needs

Great Rates. Excellent Communication with Title , Underwriters and Appraisers , Prompt resolution. You have a best team.

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.

Initially I was trying to refinance my house with Amerisave, that was worst decision in my life. One of my friend recommended Vipul in Vema Mortgage and I immediately applied for the loan. Once I applied for the loan then Vipul took care of it, I do not have to worry about, Vipul was so professional and help full that I never ever had such a smooth refinance processes in my life. I have already recommended couple of my friends to Vema Mortgage. Keep good work Vipul and Vema. Bhimsen Basnet and Geeta Basnet

Initially! We were working with different mortgage lender agent. After couple of conversation we were not comfortable to continue the loan process with them.We are very happy to find Chirag Rachadia for our first time home buying process. He helped us on every step of the process and answered all our questions on timely manner. Chirag completed our closing less than 3 weeks. He is highly professional and helpful. We will definitely choose Chirag for our future home buying or refinancing. There is no doubt - You are on good hand.

I am a bank employee and my previous mortgages have been with my employer. This time first I went with a private lender, and the rates and closing costs seemed exorbitant but then a friend recommended Vipul and I reached out to Vipul, he gave me much better rates and locked them early on and helped on every step of the way. He was very responsive and I am glad I contacted Vipul. I will definitely recommend him to my friends or call him first thing if I ever buy another house.

Johnson and Manju are really awesome. They always friendly and responded in timely manner for all my questions even some of them are simple. I recommend Vema Mortgage to others

Excellent service and professionalism as well as low rates and heavy discounts.

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.

Thanks to Sebastian, Johnson. Great Experience. I was given the best interest rate. They were always available on phone and clarified the doubts. My complete loan journey went very smooth.

Very responsive and helpful team. I would recommend to any one else looking for a loan in the states they work with.

Fantastic experience. Smooth and timely. Very easy and no stress. Will recommend highly

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.

Sebastian and Johnson helped with my mortgage. I had great experience working with them. Always available to answer my questions and process was quick and easy. I highly recommend VEMA Mortgage.

It was a very nice and seamless experience for me in working with you.

I worked with Chirag Rachhadia for my mortgage Loan and I had very very smooth process with him and very professional straight to the point. I like working with him for my hunt towards mortgage loan. I happened shop around multiple vendors and happened to go back & forth. On first instance he gave me the quote and stick to what he said till my closing. Very honest and reliable. Thanks a lot Chirag. You are the best!

Thanks Vema Mortgage for helping out with Mortgage loan. The whole process was very smooth and hassle free

Seamless Transaction, customer focused and top notch! Really enjoyed working with Sebastian, Johnson and Manju and truly amazed by their support and the rates provided. Definitely recommend giving them a shot!

I would like to acknowledge the exceptional service that I received during the entire mortgage process from Verma Mortgage LLC. Sebastian and his team did an exhaustive search to get you the best rate and find the best mortgage program available. Their ability to structure solutions and find advantageous financing sets them apart. I am very thankful for Verma Mortgage professional, responsive and honest assistance with the whole mortgage process from beginning to end. Every member of the team made himself available to me via all communication means - email, business phone or cell phone, which I appreciated. Thank you, Sebastian! You are highly recommended

Our experience with Vema Mortgage was excellent. We got the best rate and everything was done perfectly on time.

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.

Very glad to go with VEMA, the service provided is very professional. Through out the process they are very supportive and guided in correct direction. Big thanks to Sebastian and team!!

Best pricing , Period ! Besides that Vema is a great team that offers a consultative tailor made solution, speedy /timely support on you home / house purchase needs ! I wish them the very best !

Ramesh from Vema mortgage helped me refinancing my house. He was really professional and knowledgeable about the process. I had a smooth transition from my old loan to the new one. It was a great experience. Thanks Ramesh ??

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!

he is best in the town

Thank you so very much for all of your help in securing our refinancing. You were organized , thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest, Ramesh Nagarajan! Our hats off to you!! I would recommend Ramesh Nagarajan to anyone that is seeking a professional loan officer that know his stuff inside and out

Ramesh was very professional. I worked with him on refinance. He asked me wait for the good time to get the better rate. He followed up periodically to give update on current market and got me better rate for me. Happy to work with Ramesh.

Sebastian and his team kept me posted and helped out with all the necessary steps needed from pre-approval to closing of our first home. Will definitely recommend Vema Mortgage for a hassle free experience.

I did refinance with Vema Mortgage and all of the members who work at Vema are very professional, always ready to help and they finished the process in 2 weeks.

I recently refinanced my loan with Vema Mortage and I had great experience. Everything was simple from start to end. Vipul is very open and their services are great. Happy to do business with them

Worked with Ramesh and got the best rate for refinance. Easy to work with, prompt response - overall smooth process. Highly recommend him.

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