Vema Mortgage LLC

Rated 5.0 I had a fantastic experience working with Vema Mortgage throughout the home-buying process. From start to finish, their team was professional, responsive, and extremely knowledgeable. Sebastian George, was especially helpful—always available to answer questions, provide updates, and made sure everything stayed on track. They took what could have been a stressful experience and made it simple and seamless. Their dedication to customer service really stood out. I highly recommend Vema Mortgage to anyone looking for a reliable, trustworthy, and efficient mortgage provider.

Rated 5.0 It was good experience and learning to go through the mortgage journey with Vema and PT Johnson helped to have smooth transition from start to closing. Recommend for mortgage business.

Rated 5.0 Mohan helped me to smoothly refinance my mortgage to vema mortgage LLC . I recommend Vema mortgage LLC.

Rated 5.0 I recently went through the process of refinancing my mortgage, and I couldn't be more pleased with the outcome. From start to finish, the process was smooth, transparent, and financially beneficial. Mohan Koday through VEMA mortgage provided excellent customer service—answering all of my questions promptly and clearly. They kept me informed at every step, and the online application and document submission process was straightforward and user-friendly. Within a few weeks, everything was finalized. Overall, the whole refinancing process was a smooth and a great experience working with Mohan Koday. I highly recommend him to my friends and family for any new home loans/ refinancing needs.

Rated 5.0 I can’t say enough good things about my experience with Shaheen. From start to finish, they were incredibly patient, answering all my questions and walking me through every step of the process. Their expertise and attention to detail not only made things smooth and stress-free, but they also saved me money and a lot of potential headaches. It’s rare to find someone this professional, reliable, and genuinely helpful in the lending world. Highly recommended!

Rated 5.0 I recently had the pleasure of working with Vipul for a mortgage refinance, and the entire process was remarkably smooth. Vipul secured highly competitive rates for me, which I greatly appreciated. What truly stood out was his excellent communication; he kept me informed at every step of the process, ensuring complete transparency. It was a genuine pleasure working with Vipul, and I wouldn't hesitate to seek his expertise again for any future refinancing needs. Highly recommended!

Rated 5.0 I can't say enough good things about our experience with Shaheen Chandrani. From the very beginning, she was responsive, informative, and incredibly easy to work with. Shaheen took the time to explain everything clearly, making sure we understood each step of the process. She was always friendly, professional, and truly seemed to care about helping me make the best decision. Closing was a breeze thanks to her guidance. Highly recommend if you're looking for a lender who's reliable, supportive, and easy to talk to."

Rated 5.0 I would really recommend working with Shaheen. A really hassle-free and pleasant experience.

Rated 5.0 I recently had the pleasure of working with Vipul Hapani from VEMA for the refinancing of my home mortgage through UWM, and I couldn't be more satisfied with the experience. Vipul was incredibly professional, knowledgeable, and dedicated throughout the entire process. From the very beginning, Vipul provided clear and concise information about the refinancing options available to me. He patiently answered all my questions and ensured I understood each step of the process. His expertise and attention to detail were evident, making me feel confident and well-informed. His proactive communication kept me updated on the progress, and he was always available to address any concerns I had. Thanks to Vipul that the refinancing process was stress-free and efficient for me. I would highly recommend Vipul and VEMA to anyone looking for a reliable and professional mortgage broker !

Rated 5.0 Working with Vipul Hapani was a great experience. He was incredibly friendly and made the entire loan refinance process smooth and stress-free. Vipul took the time to thoroughly explain every detail and patiently answered all of my questions, ensuring I felt informed and confident throughout. I highly recommend Vipul Hapani to anyone looking for a seamless and supportive refinancing experience.

Rated 5.0 Sebastian is incredibly professional and was a tremendous help throughout my mortgage application process. He explained every step clearly, was always prompt in responding, and worked patiently to answer all my questions. His customer-first approach truly sets him apart, and I have no doubt it will take him to great heights. I highly recommend Sebastian for his outstanding service, dedication, and support!

Rated 5.0 George Sebastian was an excellent broker, he was available 7 days a week even late hours to make our loan process as soon as possible. I am a business owner and had complicated taxes but he was still able to get the loan processed in about two weeks which was much quicker than we were expecting. Also our interest rates were lower than anyone else was able to quote us which was amazing.

Rated 5.0 Had a wonderful experiemce working with Sebastian George from Vema mortage. He was kind and professional from the start to answer all my questions and explaining me different options thoroughly. Highly satisfied with their response and proper communication making it a hazzle free and stress free process. Highly recommend Sebastian George from vema mortage !!

Rated 5.0 Vipul from Velma Mortgage made the mortgage refinancing process easy and stress-free. He was always available to answer my questions and gave helpful advice. His knowledge, quick responses, and extra effort really stood out. I highly recommend him to anyone looking to refinance.

Rated 5.0 Mr Vikas Patel is knowledgeable and prompt in providing suitable option for mortgage, as i am with a very unique situation. He listened to my case , understand it and kept trying until all the requirements met. He kept me updated with call/text throughout the process. I never felt that I am being ignored, despite my unique demands. I appreciate all his efforts. I recommend his service.

Rated 5.0 We recently got a mortgage from Vipulbhai at Vema Mortgage. As first-time homebuyers, my wife and I were honestly overwhelmed by the whole mortgage process but working with Vipulbhai made everything so much easier and less stressful.He took the time to explain everything in a way that made sense. He found us the best mortgage program with an amazing rate that we never expected in this market. He was incredibly knowledgeable, responsive, and truly had our best interests at heart throughout the entire process.We’re so grateful for his support and guidance as he made what could’ve been a stressful experience feel smooth and manageable. If you’re looking for someone who knows their stuff and genuinely cares, we can’t recommend Vipulbhai enough. Thank you Vipulbhai

Rated 5.0 I cannot speak highly enough about my experience with Chirag Rachhadia/ VEMA Mortgage LLC.. From our initial consultation to closing day, he provided exceptional guidance through the entire mortgage process. He answered all my questions promptly and explaining complex terms in easy-to-understand language. He found me the best possible rate without any additional costs. His efficient processing helped me to close the loan on schedule without any delays. I highly recommend Chirag to anyone seeking a mortgage—he truly put his clients' needs first and make what could be a stressful process surprisingly smooth.

Rated 5.0 We had a fantastic refinancing experience with Vipul at Vema Mortgage. He was incredibly efficient, secured us a great interest rate, and arranged everything with zero out-of-pocket closing costs. I highly recommend Vipul and Vema Mortgage for anyone seeking reliable and hassle-free financing solutions.

Rated 5.0 Mohan did an excellent job as our mortgage broker. He patiently clarified all my doubts and made our refinance process smooth. I look forward to working with him again in the future.

Rated 5.0 I can’t recommend Chirag highly enough! he went above and beyond to get our mortgage loan closed in just one week—something I didn’t even think was possible. The process was smooth, stress-free, and incredibly efficient. On top of that, we had zero closing costs, which was a huge relief. Chirag was always available to answer questions, kept us updated every step of the way, and truly had our best interests at heart. If you’re looking for a loan officer who gets things done quickly and professionally, this is the one!

Rated 5.0 I was fortunate to work with Sebastian George on my home loan application and he helped me through out the process. He had the patience to answer all my questions. Per my realtor this was the quickest, he saw a loan was approved and ready to close. I definitely recommend him.

Rated 5.0 Very Happy with Vema Mortgage. We closed on our home yesterday. Everything went smooth from start to finish. In addition to getting us best rates, Sebastian was very diligent in getting things done in very timely fashion for our loan approval. He was always available for questions. Very good communication. We will certainly consider Vema Mortgage and Sebastian in future.

Rated 5.0 Purushoth and his team were very helpful, efficient and professional throughout the complex process, and helped us navigate all the stakeholders involved. We strongly recommend using their services.

Rated 5.0 I had pleasure working with Mitul Shah and the service and support I received was unmatchable. He takes care of his customers in all way and shape possible and supports throughout the process with Vema. Vema gave us best rate in the market for refinancing.

Rated 5.0 To Vema Mortgage and Mr.Johnson Sir, As a returning customer, on behalf of my family, I would like to thank you for all your assistance and effort to get my mortgage approved at the best possible rate. From the pre-approval till post-closing, Mr.Johnson has shown exemplary professionalism in handling my loan. He was straight forward and very helpful in guiding me through the process from start to finish. We sincerely appreciate it and we're truly happy working with you!

Rated 5.0 Refinance Process completed so smooth and perfect. Kudos to all the effort Mohan koday ??

Rated 5.0 It’s the best place for all your mortgage related solutions and any help. Very kind and helpful staff. Sebastian our loan officer was excellent and best what he does. Always available to answers doubts !

Rated 5.0 Had very good experience with Vema Mortgage and specifically with Mitul. He was very detail oriented and explained mortgage process and responsive when needed. overall very good experience with Mitul and Vema mortgage.

Rated 5.0 I had a great experience working with Mitul Shah for my mortgage needs. He was extremely knowledgeable, responsive, and guided me through every step of the process with patience and clarity. Mitul made what could have been a stressful experience smooth and efficient. His attention to detail and commitment to finding the best solution for my situation were truly impressive. I highly recommend Mitul Shah to anyone looking for reliable and professional mortgage services.

Rated 5.0 I had a fantastic experience working with Mohan as my loan officer. He was prompt, professional, and extremely helpful throughout the entire process. Mohan took the time to explain everything clearly and provided valuable recommendations that made securing my loan seamless. His expertise and responsiveness made a big difference, and I highly recommend him to anyone looking for a smooth and hassle-free loan experience

Rated 5.0 I had a fantastic experience with Sebastian when we were buying our new house few months ago. He was very prompt, diligent and patient with my questions and provided me with the best rate possible in the market. Would highly recommend him and VEMA mortgage for your mortgage needs.

Rated 5.0 Thanks for Chirag Rachhadia, Working with him all throughout the process of refinance was excellent experience.

Rated 5.0 Thanks Mitul for helping us to refinance our home. You have given multiple choices and helped us to pick up a best one in current market situation. It's pleasure working with you and I will highly recommend you and your organization for any mortgage services...

Rated 5.0 I had the opportunity to work with Mohan Koday from Vema, and he did an excellent job, delivering valuable service to refinance my loan.

Rated 5.0 It was a time for refinancing and I wasn’t sure what the best mortgage rate and program I can avail. I overviewed some other sources with their offers however after reaching out to Vema mortgage company’s Loan officer Chirag Rachhadia, I realised that it out beats all others. Chirag is a cool and a reliable person to work. With his valuable advice it helped me a lot during the closure. Within a week he put forward my closing with zero refinance fees. I highly recommend chirag and vema mortgage service.

Rated 5.0 A big thank you to Purushothaman Sadhasivam from Vema mortgage for helping me and my family the best deal possible. His passion towards helping you is what stands out. I will definitely go to him for any future needs of mine and highly recommend him for all of your needs as well.

Rated 5.0 Its my pleasure of working with Purushothaman for my refinancing. He provided a reliable and seamless process and making stress-free. Special thanks to Purushothaman for guiding me through every step of the process with professionalism and care. I highly recommend their services for your mortgage!

Rated 5.0 Our Mortgage process took a different and unexpected turn at the approach of the closing of the house. We did our best ! we were denied the mortgage by the underwriters; We approached Verma Mortgae LLC, through our realtor friend; Mr. Prushotaman Sadhasivam, from Verma Mortgage LLC listened to our situation and came to our help to take over from the point from where we were left and processed our Mortgage, at a faster and meticulous way to meet our deadline for the closing, without the loss of additional time or funds spent. We are surprisingly thrilled and happy with our closing, House warming and to move in to the new Home. God bless Mr. Prushotaman and Verma Mortgage LLC for their diligence and meticulous processing our Mortgage for the new home. This is a trustworthy experience! Best regards and wishes.

Rated 5.0 Great experience with refinance; Mohan Koday's service is appreciated along with his team(Rakhee), would recommend Mohan for refinance

Rated 5.0 I recently had the pleasure of working with Vema Mortgage LLC for my refinancing, and I couldn’t be more pleased with the experience. The team provided a reliable and seamless process, making securing a mortgage both straightforward and stress-free. Special thanks to Purushothaman for going above and beyond to offer a competitive, low-interest rate and for guiding me through every step of the process with professionalism and care. I highly recommend their services for your mortgage requirements!

Rated 5.0 I had an outstanding experience working with Mohan Koday from Vema Mortgage for refinancing my home. He was incredibly knowledgeable, transparent, and responsive throughout the entire process. Mohan took the time to explain my options and worked hard to secure the best possible rate for me. His professionalism and dedication made the refinancing process smooth and stress-free. I highly recommend Mohan to anyone looking for a reliable and efficient mortgage broker. Thank you for your excellent services

Rated 5.0 I have worked with Sebastian multiple times in the past and recently he helped me secure a mortgage to buy a new home. Sebastian is very diligent, responsive and always keeps his clients needs a top priority. He has always provided the best rate in market ( this is after multiple benchmarking). I would definitely recommend Vema Mortgage for your future mortgage needs.

Rated 5.0 I cannot recommend Sebastian George Mortgage highly enough! From start to finish, they were an absolute professional, guiding me through every step of the mortgage process with expertise, patience, and dedication. The mortgage deal I got through Vema was very good and they offered the lowest interest rate too! I’m incredibly grateful for Sebastian’s support and would recommend them to anyone in need of mortgage assistance!

Rated 5.0 We had the pleasure of working with Vikas Patel and Mihir Patel at Vema Mortgage for the refinancing of our home loan, and the experience was nothing short of exceptional. From the very beginning, they demonstrated a deep understanding of the mortgage process and took the time to assess our financial needs thoroughly. Their expertise and guidance ensured that we received the most suitable options tailored to our situation. What truly set them apart was their professionalism, transparency, and dedication to making the entire process as seamless as possible. They patiently answered all our questions, addressed any concerns, and kept us informed at every stage. Their ability to simplify what can often be a complex and stressful process was truly commendable. Vikas Patel and Mihir Patel provided us with multiple refinancing options, ensuring that we chose the one that best aligned with our long-term financial goals. Their commitment to securing the most competitive rates in the market was remarkable—no one can beat them when it comes to rates and service! We highly appreciate their honesty, responsiveness, and client-focused approach. Thanks to their hard work, the entire refinancing process was smooth, stress-free, and handled with the utmost professionalism. We would highly recommend Vikas Patel and Mihir Patel at Vema Mortgage to anyone looking for expert mortgage advice and outstanding service. Thank you, Vikasbhai and Mihirbhai, for making this such a positive experience!

Rated 5.0 I recently went for refinancing and loan officer Mohan Koday did an amazing job in helping me clarify all my questions and move forward quickly. It was seamless experience and Thank You Mohan for great job.

Rated 5.0 I had the privilege of working with Sebastian from Vema Mortgage. Despite the complexities of my case, he ensured that my mortgage was approved. He was exceptionally responsive to all my inquiries throughout the process and kept me informed about each stage, from pre-approval to the final closing of the loan.

Rated 5.0 I had an incredible experience working with Mohan Konday from Vema Mortgage. From start to finish, he assisted me in all phases and made the entire mortgage process smooth and stress-free. He was professional, knowledgeable, and always ready to answer my questions, no matter how small. Thank you Mohan for the help and support. I highly recommend you and Vema Mortgage to anyone looking for a reliable and supportive mortgage lender. They truly go above and beyond for their clients!

Rated 5.0 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…

Rated 5.0 Vema offers very good deals on mortgages, their interest rates are the lowest. They are highly responsive, understand customers needs and always do what is right for their customers. I had the opportunity to work with P.T. Johnson who assisted and guided me through out the process, he was available to talk to me at all times including Weekends and night/early mornings. He got me the best deal which could not be matched with any other lender, educated me on so many aspects of mortgage loan and home buying that I did not know. My home buying experience turned about to be positive only because of Johnson. He is the best, I am so glad I got to know him and got my mortgage through him.

Rated 5.0 We worked with Mohan Koday from Vema and he was very helpful with our loan process. He made sure things went smoothly and had stepped in to sort out whatever hiccups we had. He was very knowledgeable and explained the whole process to us. He also worked to get us the best deal possible. Very happy with Mohan and Vema.

Rated 5.0 I had an incredible experience with Vema Mortgage LLC, and I can't thank Vipul enough for his outstanding support with my home mortgage loan. He worked proactively and went above and beyond to secure my loan approval. Even if you're qualified for a loan, the way your financials are presented to the underwriter is crucial—and Vipul did an exceptional job in this regard. His expertise and dedication made all the difference in getting my loan approved. I'm extremely grateful to him and will be referring him to all my friends and family!

Rated 5.0 Its been a pleasure working with Vema Mortage LLC. Mr Sebastian George was very prompt in addressing our queries and also processing our request.

Rated 5.0 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.

Rated 5.0 Great place to get your mortgage solutions and any related help. Very kind and helpful staff. Goes extra mile to get your work done. Always available. Finally our loan officer Sebastian George was excellent and best at what he does!!!

Rated 5.0 From start to finish, VEMA made the entire process smooth. Sebastian George took the time to answer all my questions, provided clear explanations of every step even in off-hours too.

Rated 5.0 Highly Recommend Vipul & VEMA Mortgage! I had an amazing experience working with Vipul Hapani at VEMA Mortgage. From the very beginning, he was there to guide me through the entire process, making sure I understood all my options and felt confident in my decisions. Anytime I had a question (and I had plenty!), Vipul was just a phone call away, always patient and willing to explain everything in detail. What really stood out was his dedication—he was available from start to finish, ensuring everything went smoothly. He worked hard to get me the best possible rate and made what can be a stressful process feel so much easier. If you're looking for someone who truly cares and goes the extra mile, I highly recommend Vipul and VEMA Mortgage!

Rated 5.0 Highly recommend Vema Mortgage,Sebastian is very efficient , responsive and proactive ,making the whole process smooth.

Rated 5.0 Sebastian made the entire home-buying process incredibly smooth and stress-free. From start to finish, he demonstrated exceptional professionalism, knowledge, and attention to detail. He took the time to thoroughly explain every step and was always available to address all of my questions with patience and clarity. His dedication and expertise made what could have been a daunting experience feel effortless. I highly recommend Sebastian to anyone looking for a reliable and trustworthy professional to guide them through the home-buying journey.

Rated 5.0 I had an incredible experience working with Sebastian George from Vema Mortgage. From start to finish, he assisted me in all phases and made the entire mortgage process smooth and stress-free. He was professional, knowledgeable, and always ready to answer my questions, no matter how small. He took time to explain the different options available and helped me to find the best rate and terms that suited me. Thank you Sebastian for the help and support. I highly recommend you and Vema Mortgage to anyone looking for a reliable and supportive mortgage lender. They truly go above and beyond for their clients!

Rated 5.0 Vipul and his team has effectively worked for refinancing my mortgage with the best possible rate. Working with him had been a great experience. He lives up to his promises. Thank you Vipul Bhai for a smooth closing.

Rated 5.0 It was great working with Sebastian from VEMA mortgage. He was very professional and eased our mortgage loan task. I would strongly recommend him.

Rated 5.0 Timely responses to questions and updates throughout the process. Efficient handling of paperwork and timely scheduling of closing appointments. Smooth closing process.

Rated 5.0 Our experience has been phenomenal with Vema Mortgage LLC! They worked with us to secure a good mortgage plan, gave timely responses, and made quick turn arounds, even during holidays, to get our dream home! This is our second time using their services! Highly recommend them!

Rated 5.0 We are very happy with Vema Mortgage as our lender. Vipul is excellent and amazing to work with. He has been available round the clock and proactively guiding us to manage our lending process efficiently bith with time and money. Vema LLC and Vipul puts customer first and stay transparent throughout. We surely appreciate their outstanding customer focused way of business. A huge decision of home purchase felt easier with their expert input and seamless process.

Rated 5.0 Vema has been great with all mortgage needs. Sebastian and his team ensures the process is as smooth as possible with the best rates. Highly recommend.

Rated 5.0 Chirag got best rate. He was super diligent and helpful in following up until closing, he and his team were flexible in accommodating applicant specific requests and documentation. Will definitely recommend him.

Rated 5.0 Highly recommend Vipul Hapani from Vema Mortgage for mortgage refinancing! His expertise, clear communication, and quick response made the process seamless. He secured a great rate and explained every step thoroughly. Professional, efficient, and genuinely committed to finding the best solution. Truly a stress-free experience. Thank you for outstanding service Vipul!

Rated 5.0 Chirag Rachhadia from Vema Mortgage helped us to refinance our loan. This was our first ever refinance, and he was very helpful from day one, while explaining the process in details on what to expect, till working out with me on my closing cost calculations. Throughout the process he was very transparent and patient. I definitely recommend him for your next refinancing...

Rated 5.0 I am writing to express my sincere gratitude for the outstanding service we received during our recent mortgage refinance process. Working with Vemo Mortgage has been a truly great experience. I would especially like to commend Vipul for his exceptional customer service. His willingness to assist us at any time, even beyond business hours, was highly appreciated and made a significant difference in making the whole process smooth and stress-free. Because of your exemplary service and professionalism, I highly recommend Vemo Mortgage to anyone seeking to refinance their mortgage. Thank you once again for your superb service. Looking forward to any future endeavors with your team.

Rated 5.0 Working with chirag is a great experience! He helped me a lot suggesting me in various documentation to close the loan . I suggest him for wholesale interest rate and flexible working

Rated 5.0 Vipul is truly a rare individual. While offering good service is uncommon, providing the best service is even rarer. What sets Vipul apart is his willingness to offer top-tier advice, even when it comes to someone else’s client. When I was under immense stress due to a loan officer misleading me, Vipul took the time to thoroughly review my closing documents. He provided me with clear, honest insights into the hidden fees that had been charged by my original loan officer, helping me understand the situation completely. I'm confident that Vipul offers the same level of exceptional and transparent service to his own clients. I sincerely hope to work with him as a client in the near future.

Rated 5.0 I had an excellent experience working with Sebastian. He provided clear explanations and guided me through every step of the mortgage process, which allowed me to close the deal within 15 days. Additionally, I received the most competitive mortgage rate from Vema Mortgage LLC. Sebastian made the entire home-buying journey seamless and hassle-free. I highly recommend Vema Mortgage and Sebastian

Rated 5.0 I wanted to express my sincere appreciation to Vikas for his exceptional assistance throughout our loan process. His dedication and willingness to go the extra mile were instrumental in our approval. Vikas made the entire experience smooth and understandable, and we even received the clear to close two weeks ahead of schedule. Thank you once again Vikas for your outstanding service.

Rated 5.0 Vipul Harpani was fantastic to work with during this process. He did ensure that I sail through the process smoothly. I would rate him 10/10 for his availability and dealing the customer with utmost priority.

Rated 5.0 I recently purchased the house and Vipul was my loan officer. It was a great experience working with Vipul. He professionally handled the whole loan process & was available on phone call or text messages. He delivered on all his promises. Also he met the closing date as promised. I will highly recommend Vipul for your loan requirements.

Rated 5.0 We recently brought our first home. Mrs. Chirag Rachhadia helped us in closing the deal with a very tough seller. Guided us at every stage in the process, the seller failed to close the deal on time Chirag helped us on rate lock extensions and closing costs. ALL credit goes to Chirag.

Rated 5.0 Vipul with Vema Mortgage is truly phenomenal! He has consistently gone above and beyond to ensure smooth closings, even in challenging situations that other lenders couldn't handle. His deep knowledge, experience, and commitment to building strong relationships make him an invaluable asset for all buyers—whether first-time homebuyers, seasoned investors, or those purchasing a primary residence. Vipul is trustworthy, reliable, and always provides expert guidance. Highly recommend!

Rated 5.0 I had a great experience working with Vema Mortgage. Mr. Chirag, who was my point of contact, provided exceptional support from day one. He gave me the assurance and confidence that I could successfully purchase a property despite my visa status and existing loans. Thanks to his guidance, I secured the best possible interest rate along with a $1100 lender credit. The process was smooth and well-handled, and I highly recommend Vema Mortgage for anyone looking for a reliable and efficient mortgage experience.

Rated 5.0 Ashrith desu from Vema mortgage provided great support and competitive rates with exceptional guidance all along the journey. Highly recommend them.

Rated 5.0 I worked with Chirag Patel for my home refinance this week, He did an excellent job from the start till the closure of the process.He thinks in a way as if He goes into loan shopping for himself and makes sure his customer gets the same benefits as he will get out of it. He explained everything in detail and the benefits for selecting correct options. I would strongly recommend him for all your mortgage needs. Thanks Chirag, keep up the great work.

Rated 5.0 I had the pleasure of working with Chirag Rachhadia on my recent home refinance. He exhibited exceptional friendliness and efficiency, streamlining the refinance process. His explanations of the process were also highly informative.

Rated 5.0 Chirag Rachhadia has provided an exceptional mortgage experience with no closing costs, outstanding customer service, transparent communication, competitive interest rates among others, an efficient process, and impressive professionalism and expertise, making my home-buying journey smooth and stress-free. I highly recommend Chirag Rachhadia to my friends and family. Great working with you Sir.

Rated 5.0 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!

Rated 5.0 I had the pleasure of working with Chirag Rachhadia from Vema Mortgage for my home loan, and I couldn’t be more impressed with his professionalism and expertise. Chirag guided me through every step of the process, ensuring I understood all my options and making what can often be a stressful experience feel seamless. He was always available to answer my questions and provided timely updates, making sure everything stayed on track. His dedication to finding the best solution for my needs truly stood out. I highly recommend Chirag and Vema Mortgage to anyone looking for a reliable and knowledgeable mortgage partner!

Rated 5.0 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

Rated 5.0 I had a great experience with Sebastian george when securing my mortgage. The process was straightforward, and their team was knowledgeable and responsive throughout. They offered competitive rates and were always available to answer my questions. Overall, a smooth and stress-free experience—highly recommend!

Rated 5.0 I recently worked with VEMA MORTGAGE (Sebastian George) for my mortgage, and the experience was seamless from start to finish. Their team was professional, responsive, and guided me through every step of the process. I appreciated their clear communication, competitive rates, and personalized approach. They made a typically stressful experience much easier to navigate. Highly recommend for anyone looking to secure a mortgage with confidence.

Rated 5.0 I recently had the pleasure of working with Sebastian George at Vema Mortgage, and I cannot recommend him highly enough. During a challenging time, he made the mortgage process incredibly smooth and stress-free. His professionalism and clear communication were invaluable, especially as a first-time homebuyer. Sebastian was always available to answer my questions, ensuring I understood every step of the way. If you’re seeking reliable mortgage assistance or refinancing, Sebastian is the go-to expert!

Rated 5.0 Our rate was 0.6% lower than best competitor bank - that’s a lot! We worked with Sebastian. He was excellent. The rates were lower than banks and every step was communicated well by Sebastian. Thanks ???? for a great experience and successful closing.

Rated 5.0 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.

Rated 5.0 It was a great pleasure working with Vipul from Vema Mortgage. If you’re shopping for rates,he provides one of the best rates in the market. He is very diligent and makes sure the refinance process is followed on time and without any hiccups. Would highly recommend him for any future refinance or new loan opportunities

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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!

Rated 5.0 Mortgage Refinance Made Easy <-- Simple but most meaningful way to put my experienceSebastian/Vema Mortgage complete the job in very professional way in a record time that I couldn't believe. It was me who took more time in supporting them with required information and they are really quick, detailed, supportive and lived to their word on numbers. Surely recommend

Rated 5.0 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.

Rated 5.0 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!!!

Rated 5.0 We're so happy that our realtorrecommended VEMA Mortgages as they made the home-buying process stress-free. Manju was a pleasure to work with and she always made herself available to answer any questions we had. They also gave us a better mortgage rate than Bank of America and we closed in less then a month!

Rated 5.0 I wanted to take a moment to express my sincere appreciation for the outstanding service , closing the loan process in 9 days. Vipul expertise, guidance throughout the process, and dedication have made the entire mortgage process a smooth and positive experience for me.Thanks to Vipul and his team for efforts.

Rated 5.0 Vema Mortgage LLC provided a best service through the loan approval process. Sebastian and Johnson provided us a value me an initial advice in closing the home deal. Manju Kizha played a vital role by providing excellent advice, Thorough documentation and highly responsive to clarify my doubts about loan closing process. Their work ethics gave me a great confidence is going with the deal. Their transparency in each stage of closing process gave me a sense that I am working with good hands.Thank You Manju for your assistance.

Rated 5.0 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.

Rated 5.0 Best Mortgage agentWorking with Sebastian was a good experience. He took the tension of mortgage out of my head. Especially when building the house and first time home buyer. He explained every minute details and how to plan while the building was in progress. Proactive and on time. Took care of all documentation complexities. He made sure we are aware of every thing before each stages of the processing. A great person to work with. He found the best deal available and made sure that it is processed even there was a delay from my building side.

Rated 5.0 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 :)

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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 !

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 Excellent service and very knowledgeableloan officer.Mr. P T Johnson helped me through every step on my first home loan and very supportive, friendly, easy to reach.I am definitely looking forward working with him in the future and recommend Vema Mortgage to my friends & family.Thank you Johnson sir & Sebastian sir.!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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 !!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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!

Rated 5.0 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!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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!!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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 !!!!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 5 star review for this amazing team, especially to Sebastian George!! They work almost every day, super responsive and super quick in closing. Irrespective of the silliest question they're always ready to help. I'm a first time home buyer and had too many questions and doubts. But Sebastian was calm and easy to talk to, cleared everything. There were few complications during my mortgage process, thanks to Sebastian we worked on each of them in a timely manner and closed on time!I shopped around with different lenders & Vema mortgage provided the lowest rate possible at this time. I will definitely work with these folks for my future homes!! Thank you!!

Rated 5.0 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.

Rated 5.0 Vipul is very excellent at explaining the Loan processSuper informative in explaining all steps in loan processingVery helpful and available all timesHad very good experience working with Vipul from end to end mortgage process

Rated 5.0 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!

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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!!

Rated 5.0 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

Rated 5.0 I recently had the pleasure of working with Sebastian George from Vema Mortgage, and I must say, the experience was exceptional.Sebastian's expertise and commitment to securing the best mortgage deal for us were truly remarkable. Throughout the process, he provided clear and transparent communication, making a complex procedure easy to navigate. Sebastian's dedication to understanding our financial goals and negotiating the best terms for our mortgage went above and beyond our expectations.Working with Sebastian felt like having a knowledgeable ally on our side. He took the time to explain every detail, ensuring we felt confident and informed throughout the process. His personalized approach and customer-centric attitude set a high standard for service.I highly recommend Sebastian George for anyone seeking mortgage assistance. Thank you, Sebastian, for your outstanding support!

Rated 5.0 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

Rated 5.0 I had the pleasure of working with Vipul Hapani from Vema Mortgage during my recent home purchase, and it is an impeccable experience. Throughout the entire process, Vipul demonstrated exceptional professionalism, deep knowledge of the mortgage industry, and a genuine commitment to ensuring my needs were met.From the initial consultation to the closing day, Vipul was incredibly responsive and proactive in guiding me through each step of securing a mortgage for my primary home. They patiently answered all my questions, provided clear explanations of complex financial terms, and consistently kept me informed about the progress of my application.What stood out most was Vipul’s dedication to finding the best financing options tailored to my financial situation. They worked diligently to secure a competitive interest rate and ensured that all paperwork was handled efficiently, which made the entire process smooth and stress-free for me.In addition to their professional competence, Vipul also impressed me with his friendly demeanor and genuine interest in my satisfaction as a client. They truly went above and beyond to deliver exceptional service, making me feel confident and supported throughout the home buying journey.Overall, I am extremely satisfied with my experience with Vipul/Vema and would wholeheartedly recommend them to anyone looking for a reliable and knowledgeable loan officer. Thank you, Vipul for helping me achieve my dream of owning a home!lIf you are in market for home loan, just call Vipul Hapani.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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.

Rated 5.0 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!

Rated 5.0 Sebastian George is an excellent knowledgeable guy when it comes mortgage process, without his help my loan process would not gone so smoothly, he explained each and every step of the process.I strongly recommend him for the mortgage loan.Thanks you Sebastian for being so wonderful and gracious to me during the entire process.

Rated 5.0 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.

Rated 5.0 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 :-)

Rated 5.0 I recently had the pleasure of working with Vema mortgage, and I couldn't be happier with the experience. From start to finish, Sebastian made the entire home buying process incredibly smooth and easy. Their expertise gave me confidence and peace of mind as I navigated through the complexities.Overall, I highly recommend Vema Mortgage to anyone in need of a mortgage. Their professionalism, expertise, and dedication to customer satisfaction truly set them apart.And not to forget they got me a great rate. 5 Stars.

Rated 5.0 The most arrogant and not trust worthy group… has no shame to keep lying.Verbally they say everything ok, but does differently. Till you agree to process the loan, they are very nice. After you agree to proceed they try to make the matters complicated and show it’s a very difficult task by asking unnecessary documents.They attempt to slip in thousands of dollars, even for services required.Their inability to process proper loan has caused major financial loss especially the first time home buyer’s rebate program.Hesitation to give estimated (DRAFT) disclosure statement prior to closing is the reason to slip in additional charges to the client.Act as if knows everything, and great in fabricating up all rules related to mortgage and closing, may be a trick to trap customers.Summary, not a trust worthy dependable one! Don’t do what they say!! Mountain of fabricated Errors!!

Rated 5.0 I recently had the pleasure of working with Vema mortgage, and I couldn't be happier with the experience. From start to finish, Vipul made the entire home buying process incredibly smooth and easy.Overall, I highly recommend Vema Mortgage to anyone in need of a mortgage. Their professionalism, expertise, and dedication to customer satisfaction truly set them apart.5 star.

Rated 5.0 I recently had the pleasure of working with Vemo Mortgage for my home purchase, and I couldn't be happier with the experience. From start to finish, the process was smooth and efficient, making what could have been a stressful experience incredibly easy.A special thanks to Johnson, our loan officer. He was exceptionally informative, taking the time to explain every step of the process clearly. His patience and knowledge made me feel confident and well-informed throughout the entire journey.

Rated 5.0 Vema mortgage officer Sebastian George worked with me in every step for the loan approval, He was very prompt and followed up with me to get all the documents much prior to the closing date. I would definitely recommend Vema mortgage and Sebastian for loans and they are very good people to work with for your home purchase to go smooth.

Rated 5.0 I want to give 4.5 rating.Aug 14 2024 closing was done this is my 3rd loan with VAMA mortgage. Each time had different experiences.Working with PT Johnson or Sebastian is great. Communication or timely closing process was smooth.Reason I didn't give 0.5 rating because the underwriter team is kind of PAINFUL work with them on this 3rd loan. To many paperwork to prove you have good credit and/or you are able to pay your loan.I wish they less cross verify and flexible or replace with new teamI had loans with other lenders and credit union they won't cross examine too many things that not needed.

Rated 5.0 Working with Sebastian George from Vema Mortgage has been an absolute pleasure. From the very beginning, he was attentive, responsive, and incredibly helpful throughout the entire process. He guided us through each step, answering all of our questions with patience and clarity. His expertise in the field made us feel confident in our decisions, and his dedication ensured that everything went smoothly and efficiently. We couldn't be happier with the service we received, and we highly recommend Sebastian George to anyone in need of a mortgage lender. Thank you for making this experience stress-free and positive!

Rated 5.0 I recently refinanced my home with Vipul and I couldn't be happier with the experience! From start to finish, Vipul was professional, knowledgeable, and responsive. He explained everything clearly, answered all my questions, and made the process smooth and stress-free.The rates and terms offered were very competitive, and Vipul worked hard to ensure I got the best deal possible. His attention to detail and dedication to customer satisfaction are truly impressive.I've already recommended Vipul to friends and family, and I would highly recommend him to anyone looking to refinance their home. Thank you, Vipul, for an exceptional experience

Rated 5.0 Sebastian George with Vema Mortgage, was a pleasure to work with, from start to finish. He offered us the lowest interest rates compared to anyone else. He was knowledgeable, resourceful and patient. He was always reachable and guided us through all paperwork. I would highly recommend Sebastian and his team to help with financing your home!Thanks Seby!

Rated 5.0 I had an exceptional experience working with Mr P.T Johnson throughout my loan process. From start to finish, he was incredibly helpful, knowledgeable, and informative.His expertise made a significant difference in navigating the complexities of the loan application, and he always took the time to answer my questions thoroughly and patiently.What stood out the most was Mr Johnson's commitment to ensuring I understood each step of the process. He provided clear explanations and valuable insights, which gave me confidence and peace of mind.His professionalism and dedication to customer service were truly impressive.Thanks to Johnson, I felt supported and well-informed at every stage and for making this experience smooth and stress-free.I highly recommend him to anyone seeking a knowledgeable and trustworthy loan officer.

Rated 5.0 I had an exceptional experience working with Mr P.T Johnson throughout my loan application process. His expertise made a significant difference in navigating the complexities of the loan application, and he always took the time to answer my questions thoroughly and patiently. His professionalism and dedication to customer service were truly impressive.Thanks to Johnson. I highly recommend him to anyone seeking a knowledgeable and trustworthy loan officer.

Rated 5.0 Flegy Abraham from Vema Mortgage provided exceptional service throughout the entire loan process. His professionalism, attention to detail, and deep knowledge of the mortgage industry made everything so easy to understand. Flegy was always available to answer my questions and worked tirelessly to ensure I got the best possible rate. I couldn’t have asked for a smoother experience. Highly recommend Flegy for anyone in need of a reliable and trustworthy loan officer!

Rated 5.0 I recently completed a refinancing with Vema Mortgage, and I'm beyond pleased with the experience. Vipul Hapani guided me through the entire process with incredible expertise, attention to detail, and dedication. He was proactive in addressing my questions, explaining each step in a clear and straightforward manner, and always kept my best interests in mind. Vipul went above and beyond to secure an excellent rate and terms that aligned perfectly with my financial goals.Vipul’s professionalism, honesty, and commitment to exceptional service set him apart. He took the time to understand my needs and ensured that I felt confident and well-informed throughout. His communication was top-notch – I never had to worry about being left in the dark or uncertain about the next steps.Vema Mortgage as a whole demonstrated the same level of quality and customer-centered service. Their process was efficient, transparent, and tailored to meet my unique needs, with a dedicated team that made refinancing as smooth as possible. If you’re looking to refinance, I highly recommend Vipul Hapani and Vema Mortgage. Their expertise, integrity, and client-focused approach make them a standout choice!

Rated 5.0 We recently completed our refinance with Vipul Hapani from Vema Mortgage, and the experience was exceptional. Vipul offered the best rate I found across all other firms, which was crucial in my decision to work with him.The process was seamless from start to finish, completed in just three weeks. Vipul was quick to respond to any questions we had, and his responsiveness helped move the process along smoothly.We even managed to close everything online, making it extremely convenient. He went above and beyond to accommodate my needs, ensuring a straightforward experience without any stress.I've already referred Vipul to my community and friends, and they have been equally impressed and happy with his service. Highly recommend Vema Mortgage and Vipul Hapani for anyone seeking a reliable and efficient refinancing option.

Rated 5.0 I cannot speak highly enough of my experience working with Vipul during my recent mortgage refinance. His expertise and dedication made what could have been a stressful process smooth and straightforward.Vipul went above and beyond to secure the best possible rate for my refinance. He took the time to thoroughly explain all my options and helped me understand which terms would work best for my financial situation. His deep knowledge of the mortgage market and attention to detail ensured I got the most competitive rate available.Throughout the process, Vipul was incredibly responsive and professional. He promptly answered all my questions, kept me updated at every stage, and made sure all paperwork was handled efficiently. His exceptional service made me feel valued as a client and confident in my refinancing decision.I highly recommend Vipul to anyone looking to purchase or refinance a home. His combination of expertise, professionalism, and genuine care for his clients' needs makes him an outstanding loan officer.

Rated 5.0 I had an opportunity to work with Sebastian George from Vema Mortgage on my first home purchase in the Austin Area. The whole process was very smooth, and he guided me through all the process in detail to make sure I was comfortable. He is very knowledgeable about the mortgage industry and his commitment is very high. He made sure I had all the options on the table, explained the details and made sure that I benefited the most from selecting the right option.I would strongly recommend him to anyone looking for a home loan.

Rated 5.0 I had an outstanding experience with Vema Mortgage LLC, thanks to my agent, Sebastian. From our first conversation, Sebastian was professional, knowledgeable, and attentive to my needs. He clearly explained all my options and kept me informed throughout the entire process. His dedication to securing the best terms for my mortgage was evident, and he made the experience smooth and stress-free. I highly recommend Vema Mortgage and Sebastian for anyone in need of a reliable and supportive mortgage lender.

Rated 5.0 I recently went through the process of refinancing my home mortgage, and I couldn’t have asked for a better experience, all thanks to my loan officer , Vipul. From start to finish, Vipul was incredibly transparent, always keeping me informed about each step. His communication was outstanding he was available whenever I had questions and always provided clear, straightforward answers. His transparency made me feel confident and secure throughout the process. I highly recommend Vipul to anyone considering refinancing; his professionalism and dedication truly amazing!!

Rated 5.0 I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance.I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

Rated 5.0 I recently had the pleasure of working with Vipul at Vema Mortgage LLC for my refinance, and I couldn't be more impressed with the service I received. Vipul's expertise, attention to detail, and dedication to ensuring the best possible outcome made the entire process seamless and stress-free. He went above and beyond to answer my questions and kept me informed every step of the way. Thanks to his extraordinary work, I secured a great rate and feel confident in my decision. I highly recommend Vema Mortgage LLC and Vipul for anyone considering a mortgage or refinance – truly exceptional service!

Rated 5.0 It was a wonderful experience working with Sebastian George from Vema Mortgage. He was quick in replying to our questions and concerns. It was very easy to communicate with him. He was incredibly helpful throughout the entire process. He helped us in making some decisions to close the deal. He is even available in answering our questions after closing. We highly recommend Sebastian George if someone is in need of a mortgage lender. Thank you for your help and support.

Rated 5.0 I would like to express my sincere appreciation to Vipul Hapani for providing me with exceptional service. Their professionalism, attention to detail, and dedication to securing the best possible loan terms made the entire process smooth and stress-free. I can confidently recommend him to anyone in need of financial assistance, knowing they will receive the same outstanding service that I did. Thank you for your excellence in service.

Rated 5.0 I had a great experience with Johnson from Vema Mortgage, while buying a house in NJ. He was extremely responsive to all different questions I had and guided me in the right direction. He provided best mortgage rates in the market with zero refinancing fees and received clear to close in just 8 days!!Highly recommended!!

Rated 5.0 We recently completed the loan closing process, and it was an outstanding experience from start to finish. Vipul was incredibly knowledgeable, walking us through each step and ensuring we understood all the details. Vipul provided clear and prompt communication, addressing any questions we had and keeping everything on track.The closing itself was seamless and stress-free. Highly recommend for anyone seeking a smooth, professional, and thorough loan closing experience!

Rated 5.0 We had an excellent experience with Vema mortgage. The entire mortgage process was smooth and completed within three weeks, which was faster than expected. Our representative Vipul Hapani was knowledgeable, responsive, and took the time to answer all our questions, ensuring we understood every part of the loan terms. We received a competitive rate, and all fees were transparent from the start. Closing was convenient and stress-free. Overall, we highly recommend Vipul Hapani & Vema mortgage and would definitely work with them again.

Rated 5.0 I recently had the pleasure of working with Johnson during my home buying process, and I couldn't be more satisfied with the experience. From the very beginning, he demonstrated exceptional professionalism, knowledge, and dedication.Johnson took the time to thoroughly explain every step of the mortgage process, ensuring I understood all my options and felt confident in my decisions. He was always available to answer my questions, no matter how small, and provided timely updates, which made the entire process smooth and stress-free.What truly sets Johnson apart is his genuine care for his clients. He went above and beyond to secure the best possible rates and terms for my mortgage, and his attention to detail was impeccable. His friendly and approachable demeanor made me feel comfortable and supported throughout the entire journey.I highly recommend Johnson to anyone in need of a mortgage manager. His expertise, dedication, and outstanding customer service are truly unmatched. Thank you, Johnson, for making my dream of homeownership a reality!

Rated 5.0 I had an outstanding experience with Sebastian from Vema Mortgage. From the very beginning, he demonstrated his expertise, and a genuine commitment to ensuring my mortgage process was smooth and stress-free. He provided clear guidance throughout the entire transaction and I was very comfortable asking any questions that I had along the way. I highly recommend Sebastian & Vema Mortgage to anyone looking for competitive mortgage rates and a trustworthy lender.

Rated 5.0 I recently secured a mortgage loan with the help of Mr. Vipul Hapani, and I couldn't be more pleased with the experience. He was highly professional, always available to answer my questions, and provided clear guidance every step of the way. His transparency and commitment made the entire process smooth and stress-free. I highly recommend his services to anyone in need of a reliable loan officer.

Rated 5.0 We are beyond thrilled with our experience at Vema Mortgage! From the moment we started the process, Johnson was incredibly helpful and supportive. His dedication and expertise truly made a difference, guiding us every step of the way. Thanks to his hard work, we secured our mortgage in just 15 days, making our dream of homeownership a reality. I can't thank Johnson and the Vema team enough for their outstanding service. If you're looking for a trustworthy and efficient mortgage partner, I wholeheartedly recommend Vema Mortgage!

Rated 5.0 We recently bought our mortgage loan through Mr Sebastian George from Vema mortgage. We had a great experience working with him.Throughout the process, he was very responsive and provided clear and transparent communication. He is incredibly knowledgeable, professional and always available to answer our questions.All went through nicely and hassle-freeI highly recommend Sebastian George for anyone looking for mortgage. Thank you, Sebastian, for your outstanding support.

Rated 5.0 I recently bought my home loan through Vema mortgage and worked with Sebastian George from Vema mortgage.I had an excellent experience working with Mr. Sebastian George.His expertise and knowledge helped a lot as we purchased our first home.Throughout the process, he provided clear and transparent communication. He is incredibly professional, knowledgeable, and always available to answer my questions.The process was smooth and stress-free.I highly recommend Sebastian George for anyone seeking mortgage assistance. Thank you, Sebastian, for your outstanding support!

Rated 5.0 I had an opportunity to work with Sebastian George from Vema Mortgage on my first home purchase in the Austin Area. The whole process was very smooth, and he guided me through all the process in detail to make sure I was comfortable. He is very knowledgeable about the mortgage industry and his commitment is very high. He made sure I had all the options on the table, explained the details and made sure that I benefited the most from selecting the right option. I would strongly recommend him to anyone looking for a home loan

Rated 5.0 As a first time home buyer, I found Vipulbhai really easy to work with. He was always available to answer any questions and we got the rate we wanted with closing costs being very close to what we were quoted for in the beginning

Rated 5.0 Purchasing an investment home as a second-time homebuyer, I found working with Vipul ji, to be an exceptional experience. He was consistently available to address any inquiries I had, significantly reducing the stress of the process. We somehow get the good interest rate we thought, and the closing costs were remarkably close to the initial quote provided. Vipul's availability and transparency throughout the transaction made the entire process seamless and straightforward

Rated 5.0 Vema mortgage officer Sebastian George worked with me in every step for the loan approval, He was very prompt and followed up with me to get all the documents much prior to the closing date. I would definitely recommend Vema mortgage and Sebastian for loans and they are very good people to work with for your home purchase to go smooth.

Rated 5.0 Worked with Sebastian on my loan for primary residence. He is extremely responsive and great to work with. We were able to close in timely manner and got competitive rates. I highly recommend Sebastian and would come back for refi hopefully soon

Rated 5.0 Worked with Sebastian for my home lone & have great experience. He was responsive & prompt for any of the message. Done everything on time with competitive interest rate. Great Job

Rated 5.0 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

Rated 5.0 I had an outstanding experience with Sebastian from Vema Mortgage. From the very beginning, he demonstrated his expertise, and a genuine commitment to ensuring my mortgage process was smooth and stress-free. He provided clear guidance throughout the entire transaction and I was very comfortable asking any questions that I had along the way. I highly recommend Sebastian & Vema Mortgage to anyone looking for competitive mortgage rates and a trustworthy lender.

Rated 5.0 Mr. Sebastian from VemaMortgage came highly recommended by my realtor. He was consistently accessible and responsive, promptly addressing all of my inquiries via phone and email. Despite encountering obstacles in securing financing, Mr. Sebastian's expertise and dedication ensured that he made the impossible possible within the required timeframe.

Rated 5.0 I got Chirag’s reference from one of my friends. He was an excellent advisor to me throughout out the home buying process. He got me the best rates and even advised me on things that are typically outside of lending to make my experience really smooth and pleasant. I highly recommend him for all of your lending needs. It was an absolute pleasure working with him

Rated 5.0 Highly Recommended Mortgage Lender! I recently worked with Vipul Hapani for refinancing my mortgage, and the entire process was seamless and professional from start to finish. Vipul delivered exactly as promised with a $0 closing fee, which was a huge relief. He was transparent, responsive, and made the process easy to understand. His professionalism and attention to detail ensured everything went smoothly without any surprises. I highly recommend Vipul Hapani for anyone looking for a trustworthy and efficient mortgage lender. You won’t be disappointed!

Rated 5.0 I recently had the pleasure of working with Vipul Ghanshyambhai Hapani from Vema Mortgage for my home purchase. Not only he provided the best offer, he also made sure that the entire process was smooth. From the beginning, he was transparent, showed his expertise & professionalism, flexible with the schedule, promptly responded to all of my queries and explained the numbers patiently. I highly recommend Vipul & Vema Mortgage for those who are in the need of mortgage.

Rated 5.0 I had the pleasure of working with Prashanti as my loan officer, and I couldn't be happier with the experience. Prashanti is incredibly knowledgeable about the mortgage process. She guided me through every step, ensuring I understood what to expect. Thanks to her expertise, I secured the best interest rate available. Her responsiveness to my queries was impressive. No matter how many questions I had, she always replied quickly and thoroughly. Most importantly, she closed my property on time, which made the entire experience seamless. I highly recommend Prashanti to anyone in need of a loan officer!

Rated 5.0 I had the pleasure of working with Prashanti as my loan officer, and I couldn't be happier with the experience. Prashanti is incredibly knowledgeable about the mortgage process. She guided me through every step, ensuring I understood what to expect. Thanks to her expertise, I secured the best interest rate available. Her responsiveness to my queries was impressive. No matter how many questions I had, she always replied quickly and thoroughly. Most importantly, she closed my property on time, which made the entire experience seamless. I highly recommend Prashanti to anyone in need of a loan officer!

Rated 5.0 I believe I got an extremely good rate. I shopped around some other places known for great rates and Sebastian's was much lower. It was also quite hassle free and Sebastian was always just a call away to answer all questions. Highly recommend him

Rated 5.0 I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance. I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

Rated 5.0 I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance. I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

Rated 5.0 She helped by guiding me through each step of the process and answered all the questions I had during the process. She is the best of all the people I worked with.

Rated 5.0 I am happy to work with Vema Mortgage and Mr.Sebastian sir on my application. They are one of the best, trusted and highly reliable lender. Thank for your support and service.

Rated 5.0 Recently closed a home. Chirag and team guided throughout the process in a timely manner. Offered the lowest quotes and also provided alternatives to lower costs.

Rated 5.0 I had a fantastic experience with Vipul Hapani while refinancing my home mortgage. He was fast, efficient, and completed the process on time with no cost. Highly recommend him for anyone looking to refinance!

Rated 5.0 I recently had the pleasure of working with Vipul at Vema Mortgage LLC for my refinance, and I couldn’t be more impressed with the service I received. Vipul’s expertise, attention to detail, and dedication to ensuring the best possible outcome made the entire process seamless and stress-free. He went above and beyond to answer my questions and kept me informed every step of the way. Thanks to his extraordinary work, I secured a great rate and feel confident in my decision. I highly recommend Vema Mortgage LLC and Vipul for anyone considering a mortgage or refinance – truly exceptional service!

Rated 5.0 I strongly recommend Vema Mortgage for their services and support. Especially Mr. Sebastian who have assisted me in getting my application processed smoothly. He is one of the best person, very genuine and trustworthy. Thank Sebastian sir and Vema Mortgage for your service and support.

Rated 5.0 We had an excellent experience with Vema mortgage. The entire mortgage process was smooth and completed within three weeks, which was faster than expected. Our representative Vipul Hapani was knowledgeable, responsive, and took the time to answer all our questions, ensuring we understood every part of the loan terms. We received a competitive rate, and all fees were transparent from the start. Closing was convenient and stress-free. Overall, we highly recommend Vipul Hapani & Vema mortgage and would definitely work with them again.

Rated 5.0 I would like to express my sincere appreciation to Vipul Hapani for providing me with exceptional service. Their professionalism, attention to detail, and dedication to securing the best possible loan terms made the entire process smooth and stress-free. I can confidently recommend him to anyone in need of financial assistance, knowing they will receive the same outstanding service that I did. Thank you for your excellence in service.

Rated 5.0 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.

Rated 5.0 I recently refinanced my home with Vipul and I couldn't be happier with the experience! From start to finish, Vipul was professional, knowledgeable, and responsive. He explained everything clearly, answered all my questions, and made the process smooth and stress-free. The rates and terms offered were very competitive, and Vipul worked hard to ensure I got the best deal possible. His attention to detail and dedication to customer satisfaction are truly impressive. I've already recommended Vipul to friends and family, and I would highly recommend him to anyone looking to refinance their home. Thank you, Vipul, for an exceptional experience

Rated 5.0 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.

Rated 5.0 We recently completed the loan closing process, and it was an outstanding experience from start to finish. Vipul was incredibly knowledgeable, walking us through each step and ensuring we understood all the details. Vipul provided clear and prompt communication, addressing any questions we had and keeping everything on track. The closing itself was seamless and stress-free. Highly recommend for anyone seeking a smooth, professional, and thorough loan closing experience!

Rated 5.0 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.

Rated 4.0 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

Rated 5.0 I refinanced recently with Vema Mortgage and it was really smooth and a wonderful experience. Vipul bhai is very friendly and knowledgable, on my first call itself he was able to give me a tentative interest rate, all term options and I got that exact same rate on my closing which was really amazing. He was there available through call, text messages throughout the process whenever I had a question or needed a clarification. He was very much approachable with any doubts/questions and adjusted closing date/time based on my schedule. I never felt hesitant to reach out to him, closing was also so smooth and quick, everything was in order and within a month from our first call I closed the refinance. I would recommend Vema Mortgage and Vipul bhai 100% for any mortgage needs, he is really awesome to work with. Thank you!

Rated 5.0 I recently went through the process of refinancing my home mortgage, and I couldn’t have asked for a better experience, all thanks to my loan officer , Vipul. From start to finish, Vipul was incredibly transparent, always keeping me informed about each step. His communication was outstanding—he was available whenever I had questions and always provided clear, straightforward answers. His transparency made me feel confident and secure throughout the process. I highly recommend Vipul to anyone considering refinancing; his professionalism and dedication truly amazing!!

Rated 5.0 I recently secured a mortgage loan with the help of Mr. Vipul Hapani, and I couldn't be more pleased with the experience. He was highly professional, always available to answer my questions, and provided clear guidance every step of the way. His transparency and commitment made the entire process smooth and stress-free. I highly recommend his services to anyone in need of a reliable loan officer.

Rated 5.0 I have worked with Vipul H and received excellent customer service. The guidance he has provided has been impeccable, informative and has made this tedious process a relative breeze. If you require a trustworthy loan office reach out to Vipul H.