I have never worked with a more supportive group of people before. This was my first time doing a refinance and when I asked for some information I was provided with easy to understand spread sheets. Stacy was a big help and made this process easy. As a US Army Vet I felt I was truly taken care of.
What a fantastic experience. I had a financial need that I knew would be difficult with many roadblocks. I started working with David C. and his experience and direction helped me overcome all the obstacles. David never gave up on helping me meet my financial needs even when we thought we were at a dead end.
Just refinanced my house with the help of Simone even though the process took some time and a bit of work Simone made it really simple for me on my end and made it to easy.
I would like to thank you so very much! The great customer service you provided me with my two refinances were outstanding!! I put my trust in you and you most definitely came through. You were organized & thorough & professional, as well as kind which made all the difference in my interactions with you. You have always explained things very well and will go over things-if I didn’t understand. Thanks for treating me with care and respect. I wish you the best of luck in your future endeavors. YOU DESERVE A BIG BONUS!!!
It was a pleasure working with Elizabeth Gibb during my refinance. I felt at ease through the whole process and, Elizabeth always made herself available at anytime. I want to personally thank her for her hard work and world class service.
"I'm Noble, A. I recently refinance a mortgage with United Trust Bank.
Mr. Searcy, M was my point of contact. He was very informative and professional. His knowledge and due diligence in the refinance process was truly exceptional. I was able to complete my portion w/o any frustrations. I was very pleased with the outcome. I highly recommend him to others. He's a ""Subject Matter Expert"" in the refinance arena.
I look forward to working with him and United Trust Bank again."-Anthony N.
"I would like to recognize the outstanding customer support services provided by Mr. Jim Razik during the refinance mortgage process of our home. He has demonstrated superior and professional knowledge in conducting research and optimizing every resources to overcome all obstacles presented during the refinance process that culminated in the expeditious successful completion of same. It has been a great pleasure dealing with Mr. Razik as he always display a high degree of enthusiasm in what he do. He maintains tremendous personal drive, dedication, and initiative during this transaction. He is a true professional in every sense of the word and we really appreciated his valued support on everything."
Our experience was undeniably top-notch! Without a doubt, the process to obtain a mortgage can be extremely daunting. They worked tirelessly to provide consistent information and thorough feedback from beginning to end. Our loan was a bit more complicated than the norm, but we felt confident that the typically convoluted path towards closing was going to be well-charted with every loop closed–and it was. At no point did we experience anything short of first-class service, and in fact, they ensured that we received solid guidance and honest advice throughout. Coupled with friendly service and superior professionalism, we would highly recommend your Bank as your “go-to” destination for your mortgage needs!-Atlanta, GA
"I think ***********************, Loan Officer for United Trust Bank is a valuable asset. During the refinance process he was very helpful and knowledgeable. To me it was a long and tedious process since I am not computer literate. *********************** made it easier by assisting me in completing the instructions correctly. I would recommend *********************** to anyone for a job well done and thank him very much.******************"
David Collier was top notch and completely professional throughout the process. He stayed in touch and kept us informed. He was very patient in talking us through the technical difficulties we had with online forms. He made the process so much easier.
Ms Hoyt kept me informed all thru the process. What is on the disclosure is whats in the final closing.great work thanks.
Just a quick note to express how much my wife and I appreciated working with Clay Comer on our mortgage refi. Both Gay and I agree that Clay is a 1st class representative for your company. He was very patient and professional in dealing with a couple of bumps along the way. He is truly a great employee of your Bank. You should consider taking he and Jason out to lunch some time. We strongly recommend both of them for anyone’s future mortgage needs.-Bob and Gay F.
I couldn't be happier with Mr. Robert Humann. Every time I've needed help he's been their for me and gone out of his way to get me through some stress full moments. I will recommend him highly to anyone.
We recently did a refinance with United Trust Bank. Working with Fouad Tenn was a great experience. I would highly recommend him. He made it simple and easy from start to finish!
"Peter Barbera went the extra mile for me. 5 ***** all the way... Now, I can get my life I really want... Thank you."
I wanted to extend my appreciation for the support I received from Clay, during my mortgage refinance. This WAS by far the easiest mortgage I’ve closed on. Clay was always available to answer my questions, and did so in a professional and friendly manner. I hope your bank has many Clay’s on staff; as it’s employees like him that make raving customers. I’m a fan, if you can’t tell by now. Thanks
"David did a good job, particularly on following up. Pretty much heard from him everyday. Would recommend strongly."
"Peter Maglio,is an asset for UTB, was diligent and very competent in the performance of his duties. His empathy during the making decision process, was vital to chose UTB, over some other lenders."
"Andre Floyd is an amazing loan officer. Very efficient, very accessible even after banking hours, always professional and knowledgeable. He help us with everthing on our VA loan. Held my hand through the whole process. Which I couldn't have gotten through it without him. He cares about his clients and wants everything to be as stressless as possible Can not say enough good things about him. He is an A+ person."
"We had Adam F. in Ohio who is the BEST loan person we have EVER had!!! Any questions, he was ALWAYS available. VERY KNOWLEDGE about VA loans. Have referred another couple to him. He goes beyond!!! Will tell anyone I know who to go to for a refi or purchase. The BEST!!! THANK YOU ADAM!!!! The Campbells in Florida"
-Carole & Donald C.
"We just had the pleasure of working with **** *. to refi our home. **** is the **** loan officer we have EVER had!!! He asked what we wanted to accomplish with the refi, made us aware of our options, many of which ** one had ever told us about. We would highly recommend **** as ""the go to guy"" for any mortgage needs!!!!"
Jeremy and David went above and beyond to make our refinance happen. They communicated every step of the way to make sure we were well informed. They even made calls to former banks and lenders to help acquire needed information to expedite the closing. Thank You both!
We could not have been more pleased with our process. Stacy Bohan was super helpful and made sure our process went smoothly from beginning to end. She was awesome to work with and we will always be grateful for her professionalism and on spot counsel. If we had to ever do it again she is the first person we would contact.
"Best customer service, very friendly and very positive communication from day one till the last day. Very satistied with Simone and his Staff. They are in my friends and family list."
"I had a great experience with Joseph Jankowski. He provided excellent advice on when to lock our rate and helped me through a few challenges with securing re-financing through the VA. His direct, no-nonsense approach and advice was refreshing and helped us close on time."
"Joseph Jankowski is one of the best things that ever happened to my husband (veteran) Kenneth and me. When we first met Joe we had a flexible mortgage that was over 11%. Now, thanks to Joe, we have a 2.25% FIXED VA mortgage. Joe is determined yet kind. He pushes to get things accomplished without ever overstepping boundaries - very professional. He is a five out of five star kind of guy. Thank you Joe! "
My husband and myself worked with David Collier on our VA loan. He explained things to us very thorough. He explained to us exactly how to get our credit score up (like what credit cards to pay on and how much to pay on them) to get a better percentage rate. No one else that we have worked with in the past has ever gone above and beyond to help us out like him. We highly recommend this company and David Collier to anyone. Thank you!
"Fouad Tenn was our mortgage specialist and we couldn't be more pleased with the experience.. He kept in contact almost daily, updating us at every step. The loan closed very quickly and we would highly recommend him and United Trust Bank."
From a mailing for veterans (one of many), I called Chris to obtain some basic information. I noted his name and when I was ready to refinance I called back two years later based on his honest and genuine demeanor. He was never pushy. Excellent communication and follow through on any questions. Anticipated future questions and sent me information throughout the process, well after closing. He made me feel like I was his only customer. His advice and knowledge helped me attain financial freedom for the first time in my life. I am extremely grateful. Thank you Chris!!-Conni J.
"Well at first I thought joesph jankoski was a little pushie, but it was just what I needed to get this refi done he was there every stap telling me what I needed to know to get it done. Over all I'm going to tell a lot of my friends about joesph and the great job he did."
"Tim Dowell, our loan officer, provided us with stellar service all the way around! He was courteous and thorough as well as fast and efficient. Really, he was just what you want in a loan officer (or anyone handling a case for you). We highly recommend him!! Thank you, Tim, for the exceptional service!"
"This was my 2nd time around going through a REFI and using Joe Jankowski. He was exceptional in shopping the market for the best options available specifically for me and my individual special circumstances. He has been beyond understanding given the abundance of items that were unfortunately not in our direct control and was very diligent with respect to researching alternative options that could be available and at our disposal. He has even offered to help find me some relief for my energy issues as I am interested in SOLAR POWER! Joe has one of the best work ethics I have ever seen. I have owned several companies over the years and have a long history of employing people directly to work for my companies! You would be hard pressed to find someone that is as dedicated, experienced, hard working and tenacious as Joe! Thanks for all that you have done and continue to do!"
Second time I have worked with your bank and have had a great experience each time. Very fast, thorough and professional. David Collier is an excellent loan officer ! I highly recommend to anyone looking to buy or refinance a home!
"My name is Cynthia Spencer. My comments and compliments are for Stacy Bohan. I am beyond thankful and extremely pleased with the assistance I received from Ms. Bohan. I feel I know her personally. Well, actually I do. We have been together for two re-fins. I think that is close. She was always there to answer my dumb-ass questions with extreme courteousness and promptness. She walked we through each step of my re-fin by text, which is an accomplishment for me because I am not computer savvy. Thank you Stacy. You are a gem. You company should be grateful to have you as part of their team. Keep up your wonderful. I hope to see you in seven months."
"Fouad Mr Tenn was extremely helpful and very through all questions received clear and complete answers. His ""customer service"" was excellent and I believe he went above and beyond normal to assure our satisfaction. I have interacted with numerous financial services in my life and this is the most positive and complete experience ever."
"Karrisa Levitsky, who took care of walking me through the process and all the details was a credit to your organization. Friendly, knowledgeable and a pleasure to do business with."
I would like to thank your organization and especially Simone Vitale. Simone experience made the refinance process effortless and stress-free.
"Recently refinanced my home mortgage. The Senior Mortgage Loan Officer, Matt S. was outstanding in outlining the timeline of what would occur and, bonus, the loan closed a week earlier than expected, which was super great! For a refinance, this was a very smooth process with a loan officer that was reachable after his business hours - which is important when working across three different time zones. I'd recommend UTB for mortgage loans of any type. Great service by Matt S.!"
"We worked with Tighe C Williams, 1672160, representative for United Trust to refinance our home and pay off credit cards. Tighe Made this process easy and efficient. I would recommend him to others wanting to take advantage of low interest rates and pay off bills."
All the big banks said “No,” to our request to refinance. One of them even said, “don’t waste your time. If we can’t do it, no one can.” I shared this story with my neighbor who gave me the recommendation to call your bank. They went to work and made it happen. they were responsive, knowledgeable, friendly and persistent. I knew immediately when I spoke with them that they were going to make our refinance happen. They did and we are forever thankful to our neighbor for introducing us for working out our refinance. We now have mortgage professionals we know we can count on.-Decatur, GA
Working with your Bank this past year to get a VA refi for our home in Cool, CA was an absolute pleasure. It was always apparent that you had our best interests in mind and consistently went beyond our expectations to put together our loan. We highly recommend this company and will always appreciate how you worked with us.-Denny and Rosemary W.
"Benito Bucceri is my loan officer that helped me with my refinance and he was great very efficient and caring also very knowledgeable a true asset to Union trust bank.he has a lot of patience and I personally would recommend him to anyone I know. Very pleased with the whole process, Thank u so much Benito I appreciate all you did for me."
Unmatched professionalism. David Collier handled our refinance and it went smooth. No mistakes or surprises. He laid everything out and made sure I would benefit from the loan. He called every morning with updates and kept me informed through the whole process. Can not express the level of satisfaction i felt dealing with David Collier. He is Amazing!
David Collier did a amazing job with assisting me with the information I needed. He called in everyday to check in and keep me posted.
"I did a refinance with equity back for home improvements, Joseph Jankowski was the agent I worked with. Loved that I was able to do all applications online and he was very informative as how to access everything I needed. It was done in a timely manner and the closing was done within 30 days of the first phone call with Joseph. He got me a great rate and this Veteran will definitely suggest him to others."
"I am writing this note to appreciate the wonderful service of your staff member, Mr. Dowell. Recently, I visited him to apply for a refinance and I was attended with utmost professional attitude and perfection. He made sure that all my queries were resolved. He made me feel very comfortable and introduced me with the options provided by your bank. I was really pleased to work with Mr. Dowell and I feel I have made the right choice. I would like to thank him for his warm reception and patience in answering all my queries and ensuring that all my doubts are resolved. He even helped me pick the right option along with taking care of all the official formalities Thank you Mr. Dowell and I hope I wasn't too much of a bother."
-Dr. Sammy A.
Top notch: Very timely, helpful, and took initiative.
"United Trust Bank was diligent and very helping in the process of my refinance. They are very good at what they do. I would recommend this Company to anyone who needs to have their home refinanced. Joe Jankowski was very professional and went out of his way to get things done, very good at what he does. I thank You."
"I worked with Mr.Simone, Vitalie on refinancing my home. He was very professional from the start. He communicated everything efficiently and effectively to me. if I had questions I was able to call no matter the time. He made this process easy, and stress free for me. I am very satisfied with my service and plan to refer his services to my peers! Thanks again for all your help sir."
"David Collier was fantastic! Having to refinance is a nervous experience, and David made us feel so comfortable. He was with us every step of the process. If we had questions, he would answer them in a timely manner. We will use him again, in the future! Thank you again!"
Good communication. I was able to call him 24/7. I was able to learn how to doc sign.
"This is the second time we have worked with Stacey B. at the Cleveland branch on a VA refinance. Both times she literally carried us through the entire process by being there every step of the way to answer our questions and guide us to the end result of successfully closing. We had several more difficult aspects involved in both closings that she handled like the professional she is. Being older, we appreciated her constant attention to detail and her on-the-spot readiness to assist us in any way possible. We would contact her again for any mortgage needs in the future because of her kind heart that gets things done every time."
Excellent service. David C. kept me informed every step of the way.
Fouad was Awesome!! He helped every step of the way and was very thorough in making sure we were taking advantage of every opportunity available to us.
As a retired businessman, I have set expectation levels to measure up to for each of my daily transactions. Yesterday, for example, it was with a very large financial institution that insists all is well with their automated phone service tagged along with their off shore customer service. Total failure to my expectations. This kind of business practice is what should be, and is, I believe, the core success of a company. My business relationship with was totally and completely the opposite. My contact was always the one to answer the phone, always followed up on what he had promised and successfully brought closure to our Veteran Refinancing experience. An experience that I can pass along to others with a vote of confidence along with a good feeling for the future of my wife and myself during our retirement years. If you want to experience that personal contact, fact gathering, necessary communication, follow up and follow through to closure!!
Robert Human is excellent. He goes above and beyond He is caring and above all caring. He always returned his calls As we speak Robert Human is making a good name for United Trust Bank.
"Mr. Humann has been very professional and has saved my life! I have been buried in debt for so long and he has rescued me. I am a disabled Veteran with PTSD and the stress of all my debt was really harming me! Both my sons and my grandsons live with me so I have the added expenses of them also. Mr. Humann has enabled me to free up money to better support them! I will recommend your bank to all my friends and acquaintances in the future. You are the best and I can't thank you enough! Gloria A. Stephens, A Grateful Veteran (I can also make all the improvements and repairs to my home that I was unable to do in the past. And maybe have a little fun too...thanks again!)"
"I had the privilege to work with Ms.Tracy H on my Cash out refinance VA loan. It was a extremely long process and I felt like giving up several times, but Tracy would ALWAYS have positive and uplifting words to keep me focused. Tracy kept in contact with me daily and kept me informed and on tract from beginning to end. She's professional and passionate about her job. Tracy and I would talk as if we've known each other for many years. I HIGHLY recommend Ms.Tracy H, with United Trust Bank to all my friends especially my veteran family. Have patience and trust GOD!!!"
"United Trust Bank has been an absolute pleasure to work with and our Senior Mortgage Banker, Simone V. has been awesome! Only having to deal with one person throughout the process is a bonus that results in less stress and a and a very quick response to questions that arise. Simone was there every step of the way and helpful throughout the process with any information we needed. Thanks Simone!!"
I would like to thank Robert F, for always help me and listen to my need. Help me to see what's the best option for me. I am forever grateful for all the help I received.
Jamie Adcock helped me thru the entire process and was excellent in guiding me thru the process with knowledge and professionalism and was a pleasure to work with. He stayed in constant contact with me and kept me informed with the progress of the loan and answered any questions that I had. He made the process smooth and efficient for me.
Julio Cortez gave us sound financial advice! He took the time to answer all of our questions. He handled all aspects of our refinance and transfer into a VA loan in a professional manner! I would highly recommend him to other veterans and my friends! He earned our trust and respect!
We are highly impressed with the quality of work from Joe J. during our Home Refinancing. In lieu of the COVID-19 Pandemic, he was able to close our refinancing and saved us money now, and for the immediate future. We appreciate his knowledge in his field, especially in areas never addressed in previous inquires for refinancing. He is persistent and gets the job done. We enjoyed working with him.
A five star. Excellent service. I was kept always informed regarding the process of my mortgage loan. The loan processor was very helpful, and eager to help. Finally the loan was approved and everything ended very well. I am very happy with the results, and I recommend this bank for your loan needs
"Robert was thorough, knowledgable and helpful throughout the whole process."
Elizebeth G this stands for Great) , made this experience very easy . She was very guick to respond. Lead us through the refinance efficiently ,communicated every step. We are very happy with the results .THANK YOU
"My husband and I just closed on a refinance with Peter Maglio, senior loan officer. He made the whole process simple for us and he was always patiently there to answer my questions as we proceeded through our loan. This is the second time I've used his services and I would recommend him for your financial needs."
Seamless transaction and top notch customer service. Tighe W communicated step by step and made our refinance an enjoyable process. Highly recommended and we will call again for all our financial needs in the future.
I was skeptical about doing business online to refinance my home but as I talk to one off United Trust Bank Loan officers NMLS #******* ****************************** made me feel more comfortable and trusting so thing went really good he got me through everything and I felt very comfortable at the end so I appreciate all the help he gave me. I thank you UnitedTrust Bank for having ***************************** on your team. ????
"We had a wonderful experience with our banker out of OH. We are in VA and were looking to refinance with a cash out loan. We had ************************* as our loan officer and he was above and beyond what we could ask for. He responded to every question and was completely transparent with the whole process. This was a life changing event for us, and gave us the ability to completely remodel our home, while consolidating all our student loans and debt. It has saved us over $600 a month in debt payments and allowed us to transform our home! Refinancing and mortgages can be incredibly stressful, but with **** and this company we felt so taken care of and that helping us was truly their number 1 interest. I would give more stars if I could!"
Amber G. is AWESOME! Her attention to detail is unmatched. We are so thankful for Amber and all she does for her clients. She's thee best!
I have been doing business with Mr. Gorev & Mr. Ahmed for many years. They have helped me refiance one home twice and have helped me buy two other homes. I had an escrow problem with a mortgage company that took about a year to resolve after a refinance. It was the first time I had worked with Mr. Gorev. Although the problem was no fault of his, he doggedly pursued a resolution after closing. During the year that it took to resolve the issue Mr. Gorev would periodically call me with updates on the ptoress he had made on my behalf. He never gave up. Do you know a mortgage professional that would continue to help you long after closing? You do now! I would recommend both gentlemen to everyone I know with out reservation. Thanks for your help and expertise guys.
Recently have the privilege to work with Andre Floyd for my cash out refinance. He made things so simple and explained to me every step. He also was very honest and always was there to answer my calls or emails. I strongly suggest any veteran or any person who is looking for help to contact United Trust and ask for Andre Floyd.
We just refinanced with United Trust bank and worked with Fouad. He was great and helped us out so much during the process. It was very simple and we closed within just a few weeks! Very happy and would highly recommend this bank!
Our loan officer was Tighe W. and he was very professional. He answered all our questions. He kept in touch throughout the process and we closed on the exact date he gave us from the start. The entire process was fast and efficient. We would recommend your bank and Tighe Williams to anyone seek a mortgage or refinance.
David C. is a fantastic Branch Sales Manager..we have done business with David, for many years & this is a man that goes above & beyond the call of duty. My husband somehow found David & he's just been wonderful to us. My husband passed away, in July & David still remains a loyal worker for me..thank you! He's thee best!
-Jo Ellen R.
Refinancing can be scary. But not with David C. David C. has handled 3 separate refinances. for us in the past- The most recent being October 2020. He has always exceeded our expectations - by not only delivering exactly what he promises, but by doing it with such care and professionalism. There was never a time that we felt nervous or unassured. From beginning to end, David C. held our hand every single step of the way. I would absolutely recommendyour bank (and especially David C.!) to anyone looking for a good refinancing experience.
Your person Julio Cortez has been working with us to streamline our house loan. I have worked with several loan officers in the past I have bought an sold around 22 homes in the last 30 years. Out of all the officers I have worked with in the past. Julio Cortez has to be the best one ever, he made it go so smooth. In most all loans there is a clinch not with Julio he made sure it never happened. He is the first loan officer that I have ever recommended, every vet I meet I give his number to them.So I just wanted to say what a wonderful job he did for us, and that he is truly an assist to your company. By the way I am not one to write letters on anyone. With everything we buy today that comes from another countries, all we have is to provide good service. If all your people are like Mr. Cortez you have taken the term great service to a all new level.
"I cannot say enough badass stuff about this dude named ADAM FIGUEROA! After the nightmare of closings when I bought my house; i was very reluctant about refinancing. My title listed me as the opposite gender, along with my ex-wife's name as a co-owner, my FHA lender mistakenly reported me to the credit report bureau with a dozen late payments, my interest rate was almost 5%; and my exwife was trying to sell half of a house she not longer lives on. Yet; I was still not emotionally ready to refinance. Adam Figueroa not only made it possible, cleared my title, fixed mistakes, cut my interest rate in HALF, but also qualified me for a VA LOAN!. Adam is a highly dedicated; no-nonsense subject-matter-expert in the field of lending. Along with levity and layman's reasoning cleared all my issues and landed me on the UNICORN of home loans (VA loan). Not only that, but he also scored me extra cash I wasn't even expecting. Bruh.... I owe you $20k in beers!!! You F-ing ROCK; DUDE!!!"
Great Customer Service , They are the best ,You will be very satisfied.
I wanted to say how much my family and I appreciated the hard work of Stacy Bohan. She worked so diligently on our loan and we couldn't be more happier. She walked us through each step of the way to be sure we understood the process. In the end, we wouldn't want to do business with any other bank if Stacy was not a part of the process. She is one of a kind and really knows her stuff in the mortgage lending space.
Good customer service from joe J. My wife and I are totally satisfied with him. thank you
From the beginning of the communication with Jamie he became a true partner in helping me go through the loan process. Jamie not only assured me of his professional experience with your bankand its loan process, but looked out for my best interest, answered questions and kept me in the loop such that the entire experience was a success from beginning to end. I really enjoyed working with Jamie and will gladly refer family and friends to him for loan assistance! His professionalism in working with me as a client in helping me obtain a better loan was top notch and it showed that he truly cared for my best outcome!
"Just want to thank you and UTB. Steve's guidance, advice, research, and professional availability/adaptability made my cash-out refi a reality. I have gone from being a house-rich/cash-poor 66 year-old working 6 days a week to someone who will be officially retired by Monday of next week. Mr. Lore and the UTB team made that happen. THANK YOU cannot express the change your team has made in my life, but it's all I have and I extend it to you with every fiber of my being... you've changed my life. "
This was one of the easiest processes ever. Thanks for all your help
I had exellant assistance and direction with Joe Jankowski He helped me finish the docuements very effeciently and expediently. He had a manner of speaking that gave me confience to get to the closure. I very much appreciated all the assistance he gave me in such a perfessional way. He truely represents Fidelty National I would refer to those I know
We just refinanced our mortgage through yourBank and closed on it last night. I just wanted to send you a quick note on how wonderful it was working with Jeffrey Kilcoyne. He was so thorough and kept us informed throughout the whole process.
Due to my last experience with Quicken Loans, I was very reluctant to move forward with trying to refinance our home. However, Jeff was amazing in educating me on things that I did not even know about mortgages and I am extremely grateful that he took the time to explain these key factors to me.
This was such a wonderful experience for us that I have even referred him to my son and daughter-in-law to refinance their VA loan! Again, thank you so much for the awesome customer service!
Fouad was amazing to work with! He answered all of my questions and made the experience go fairly seamlessly
We had the best and easiest process refinancing our home with Fouad Tenn. He got us a significantly lower rate savings us thousands of dollars and we are paying off our home sooner with a 15 year term. Fouad is an absolute delight to work with and he is a strong asset to United Trust Bank. 12/ Tenn.
We recently did a refinance with United Trust Bank. Fouad T. (who I would highly recommend) was great to work with and I highly recommend. He made the entire process smooth and simple. He was diligent and walked through each step and assisted with obstacles. It was a great experience from start to finish. All of our questions were addressed and obstacles easily overcome. Couldn't have been a better experience... thank you!
Matt S. Was outstanding and went above and beyond anything we expected . Was very patient with our questions and very professional but also personable . I was nervous as my husband and I had never done a refinance before but Matt made us very comfortable with the process and was very open and honest about the process and status. He was amazing with his quick communication back to us .We closed our refinance today and he even reached out after business hours to ensure everything was smooth and that we didn't have any additional questions . I highly recommend!!
"Matt Searcy and all the staff involved in my mortgage application to United Trust Bank were professional, friendly, courteous, helpful. Mr. Searcy helped me through every step of the process was very patient with me and clearly answered all my questions and concerns. I highly recommend them to anyone looking to apply for a mortgage. I would rate the 5 out of 5."
Loan Officer Jeff Kilcoyne was excellent in all aspects of the loan process. He kept us informed on what was needed and when. Thanks Jeff.
I wanted to reach out to you regarding your employee, Danny Iannarelli. I wanted to say what a joy it was to work with him. I applied for a cash-out refi with your bank and it was an absolute pleasure working with him. He was extremely knowledgeable, quick to answer questions (even on the weekends) and his level of customer service exceeded my expectations. I will recommend your bank to my family/friends in the future based on my experience with Danny. You're lucky to have him working for you.
"My wife and I first contacted United Trust Bank mid July, and we were lucky enough to have been contacted by Tim Dowell. Tim stayed in constant contact through out the process and made all interactions smooth and as seamless as possible. The whole process was completed in a month, and Tim was a pleasure to work with!"
This was our second financing with Mr. Andre Floyd from the Cleveland branch. His expert knowledge of Mortgage Loan refinancing made financing our home so much more relaxing. His professionalism and attention to detail for us as veterans made it feel like we were protective throughout the whole process like family. If I should ever need to finance my home again I pray that Mr. Floyd will be there to assist.
Tim was straightforward and did a lot of work behind the scenes. He was businesslike. I would definitely use him again!
Dear Stacy Bohan, As a Captain in the United States Army, I finally began to research the possibilty of refinancing my home with a VA mortage. I contacted several companies that assisted veterans with completing this process. After an exhausting search, I was happy to locate your bank. Better than that, I was introduced to Ms.Stacy Bohan who I can not say enough about. Ms.Bohan explained the entire process,collected all the necessary information, set up all the meetings with the supporting staff and finally located and secured the appropriated lender for my particular situation. I have had my new refinanced mortgage for several months now and I am completely satisfied. In my service to my country, I wish I had personnel in my command like Ms Bohan and her staff. I would highly recommend your Bank and their supporting staff to my fellow veterans.-Louis H.
I dealt with a mortgage broker named Karissa Levitsky. She is a dream to work with. She was always there for me ( she even took me on a weekend trip with her sister not literally ). In case i was having a problem The team worked hard for me and I appreciated that I highly recommend.
"I received a letter in the mail from United Trust Bank regarding cash-out mortgage refi's for people with VA-backed loans. I called and was connected with Matt Searcy, Senior Mortgage Loan Officer. He has been thorough, accurate, and amazingly patient! He explains things well and is super easy to reach when needed. Our re-mortgage was a tough one because our company was affected financially by the COVID-19 epidemic, which made it challenging for the underwriter to approve us. We had to provide a lot of documentation! However, Matt gave us sensible reasons to stick with the process, and we did. I'm happy to say that we will be closing on the loan later today. Qualifying for a mortgage can be a painful process, but the choice to work with Matt Searcy and United Trust Bank was a good one for sure."
Times are tough and we were very skeptical with that first call we received by Jamie Adcock, but his determination, reassurance and willingness to help us back on our feet made us continue the loan process. During the process he kept us informed and proactively shared next steps to ensure we were on course. His work ethic and professionalism ensured that the loan process ran smoothly and we were able to close shy of 30 days! We placed our trust on Jamie and your bank and they delivered! Now, we are gearing our efforts to follow our financial plan posed and ensure it is met. Definitely, recommending Jamie and your bank to help another family in need of financial stability. Continue the ""Can Do!"" attitude...-Maria B.
We had the help from Tighe W. in the Schaumburg office. He was nothing short of exceptional. He always followed through with every question and request in a very timely manner. When he wasn't available he gave us a contact of someone that was. Top notch service. Highly recommended. Great experience with our VA loan refinance.
Working with David Collier was a pleasure! We have never worked with a mortgage broker as diligent and professional in the past. We literally had updates daily from David and he worked hard to get us approved for our mortgage when others gave up at a first glance. Everything went as expected and we had no issues throughout the process. I highly recommend them and will definitely work with David again if I need help with a loan or refinance.
We refinanced 2 properties with Tim Dowell he was very professional down to every detail and made the process easy it was great working with him
My name is Marshall Pierite, a veteran of the USMC. I am proud to say that Stacy Bohan was instrumental in assisting in helping me finance my home, Stacy was committed from beginning to end in educating me throughout the whole process. She was extremely transparent and answered every question I had and she taken a lot of her time addressing any concerns I may have had. I felt that I was part of your bank family and not just a customer. Once again, thank you Stacy, we really appreciate you.-Marshall P.
"A big ""Thank you to Simon Vitale for your assistance throughout the loan process of the refinance of my VA loan. I will certainly recommend your services to anyone I know who needs a mortgage."" Thank you for the great work you did for me. ... ""Working with you was fabulous and it has been a pleasure to work with you during this process!"" -Marvell"
"My husband and I just refinanced with David C. and he was the most responsive, supportive, and encouraging partner to work with! I was honestly shocked how fast the process went. I would recommend him and this bank without reservation!"
Tim was awesome to work with! He assisted us with a refi for my elderly mom who lives out of state. We help manage her finances due to medical issues. She is not technology savvy. Tim worked tirelessly and was super patient helping to walk her through everything.
"Matthew Searcy was awesome from start to finish, very, very professional and passionate about what he does and helping peoples. He kept me inform every step of the way and he was easy to understand, thanks for everything, job well done."
I closed on a home refinance with your bank back in May and I have to say that Laurie [Loan Officer] made the process easy and painless. Laurie and the bank were great to work with. It was just like your neighborhood bank on the phone and over email. Laurie was always available to move the process forward by providing personalized one-on-one attention and professional guidance to ensure that my transaction was completed in an accurate and timely manner. This was truly a once in a lifetime refinance opportunity and Laurie ensured my experience was nothing short of excellent, she provided me with undivided attention and multiple product offerings to meet my financial needs. Consequently, she not only closed my loan on time but in a different state to keep up with my travel plans. The end result, I received a better interest rate and monthly payment for a 15 year fixed mortgage. Thank you so much, for having a professional as Laurie.
10 out of 10 experience
Thank you for all of the assistance you provided. You made this process very easy and took time to explain everything in a very easy to understand manner. The representative (Jeff Kilcoyne) that helped us was very professional, understanding, and most of all, helpful. He took the time to explain every last detail and look for the best opportunity for us. His friendly demeanor and knowledge made this process very easy and timely. I would do business with this bank again and highly recommend it to others! Thank you very much!-Michael H. Sgt. USMC
I called Danny L. asking about refinancing my mortgage taking out some equity. Danny was very professional and always was quick to answer my calls and respond to my text messages. There wasn't an annoying answering system or any hassle making contact with him; even during off hours. The refinance was quick, less than 30 days and I was kept informed during the process. I highly recommend Danny and the bank for financing a home. I consider them second to none
*********************** was very helpful as my Single Point of Contact for the duration of my loan application process. The best part is that he got back with me very quickly anytime I asked a question or needed something. I would recommend going with United Trust Bank to anyone and would use them again myself in the future.
I can't talk for the whole company. But I can def talk for Andre Floyd. From the get go he made it a super easy process. Told me what I needed to get I got it. Didn't hide anything from me. And tried to make sure I was making the best decision for me and my family.
Best finance experience I have ever had. Salvatore R. les me through my refinance so quickly and efficiently, it mad my head spin! He also offered other advice that was extremely important and useful. Love this bank!
It was a pleasure working with you. It seemed like every group you had to work with threw up road blocks, to be honest, I was ready to pull the plug several times, but your reassurance and positive can do spirit made me stick to it. And last evening we closed, the reduction in percent rate and cash back from a mortgage holiday and the escrow refund will come in handy. You deserve what we say in the Navy, Bravo Zulu, well done, you went above and beyond, thank you, and you didn’t even have any damage from Irma, see god was looking out for you. Thanks again, I’ll recommend you and your bank for anyone thinking of refinancing.-Mike and Patti F.
Just wanted to write you and tell you and the team thank you for everything you did. Can’t express how wonderful it is to be back on the road to financial freedom. I would highly recommend this program to any veteran that might be thinking about this. A huge shout out to you for spending the extra time with me to make the process stress free and very simple, you were always available to answer any and all questions I had. Once again it is a wonderful blessing that this program is available, I was able to pay off all my bills and still had spending money haven’t had that freedom in a long time.
I had an amazing experience with Phil Paci. Even though he was a miles away from where i was. He walked me through what to do to get my dream house. The process was smooth and Professional. He answered all my questions the same day. Worked with Phil it was so good that it was hard to believe that i was buying a house. I don't have words to explain how incredible was his assistants. THANK YOU SO MUCH!
"We were looking for a VA loan that would cash-out to pay off debt incurred for a large remodel project. First Federal Bank/CBC National Bank Mortgage was rated highly so I called to interview a lender and was directed to Pete Maglio. I interviewed 3 companies and Pete and their process beat out the others. Now that we've closed, I could not be more pleased with Pete and his performance throughout the process. Pete is knowledgeable, professional, seasoned with a long history of lending and knows not only the in's and out's but the inside track of the lending business. Pete was always on top of every step and, not only never dropped the ball, but was extremely proactive and kept the process moving seamlessly."
Jeff K. did an outstanding job on my VA Refinance. From our very first contact, he worked very hard to get me a great rate. I thought I knew a lot about morgages and financing, but Jeff explained every little detail to me and I learned a lot. It showed me I was truely dealing with professional. Even when my credit report came back with a good score, Jeff went through it and we actually found some mistakes that I was able to get fixed. Never would have known if not for him. Jeff was incredibly patient with me when I mentioned that I had gotten better offers. He would go over the paperwork with me to make sure I was not getting ripped off and pointed out the problems or false advertising.
"From my first phone call in July 2021, Andre Floyd from the Cleveland, OH, branch was awesome! He explained things and answered all of my questions without even asking for my information to see what I qualified for. He then spoke with my husband and I, answered any additional questions we had and throughly explained the process from beginning to end. No question was left unanswered, there were no surprises. He shared information that our previous lender never told us about. True to his word, once they seen we were working with another company, all of a sudden they wanted to help us and started contacting us regularly. I would recommend United Trust Bank to anyone and if you get the privilege to work with Andre you will be in great hands!"
I have had the distinct pleasure to work with Mr Ryan M. as my refinancing agent. On 2 occasions he has been the representative assisting me with my home loans. His experience and attention to detail are trademarks of a true professional. His commitment to customer service exceeded all my expectations. He was always available to answer question whether by phone, text or email; never taking more than one day to respond to any inquiry. His explanations throughout the process were thorough and concise, not worded with terms that were unfamiliar to me as a client. All paperwork was flawless and received or submitted in a timely manner. He added personal touches to the process by checking up on my comfort level throughout without being solicited. He is personable friendly, and professional. He is my GO-TO-GUY for ALL my future home financing needs. Thanks again Mr M.
David Collier is the best mortgage agent we have ever worked with the past 10 years. He calls each day to check-in. I have never had a rude moment or even a mistake. I am so very lucky the day he found my family. Steve and Pat Helmick
"Tracy H. was a great loan officer to work with that saved me from a stalled VA home loan while I was on vacation TWICE!! I was looking to lower my rate during these record lows but when I got a mailer that touted 100% cash-out VA financing, I had to look. It required that I follow up with a streamline loan, but I got 100% of my equity out of my house and we closed the second ""streamline"" loan bringing my new loan into today's market low-interest rates. Tracy was able to not only help me have all of the paperwork filled out with little work on my part, but sent a notary to where I was at whatever time worked for me. 0430 EST (before work on the first one) and in another state for the second (NC to WI on vacation) so that we could close when we needed. I was able to skip two mortgage payments on the second loan and one on the first. 100% recommended company and 1000% recommended loan officer."
I chose to go with Chad Joseph Bucceri on February 2019 we closed our loan on March 2019. Joseph was in contact with almost every day keeping me informed on the process of our loan. About 3 weeks and the closing went so smooth, I had been to several loans before but this has been the easiest process working with Mr. Bucceri I would recommend him to anyone looking to purchase or refinance. Excellent customer service.-Patsy Nelson
So, if I had to give you a grade (I am a teacher), you get an A+. I am not a fan of talking on the phone and you only required when necessary. Your correspondence was always clear and straightforward. Even when I had to deal with others (Appraiser and Notary), you provided their information and when I should be hearing from them. I really felt very stressed going into this and your professionalism and most importantly your follow through on everything made it not so bad and made us very happy. Again, thank you!
Exceptional service from Matthew Exceptional service from Matthew S. He kept in constant contact with me through the entire procedure all along the way so I knew what to expect and when things would happen. He never hesitated to answer any of my questions.
"Worked with Joe Jankowski. Joe did a great job, and was exceptional at proactively making sure everything was done quickly and correctly. If you are looking for a loan officer who will be on top of every detail, Joe is your guy."
"After tearing my hair out several years ago with and over the VA, I gave up on getting a Veterans home loan. After talking to Tracy Hoyt, I'm in a much, much better position. Tracy solved the problems that I was having with the the VA and did it in record time. We can't say enough about Tracy's knowledge and her help. My advice to ANYONE seeking a home loan or any other type of a loan, you cannot go wrong with Tracy."
My loan officer was David Collier and his assistance was well beyond anything I have ever witnessed before! He literally called me every day to include weekends to keep me informed and on track for my loan. He was very knowledgeable in every aspect of the loan requirements and treated me more like family than just a client! I would HIGHLY recommend him and the company to all my friends and family! I wouldn't go anywhere else for my financial needs!
My wife and I worked with your Bank in refinancing our home in Northern, VA. They are incredibly knowledgeable and make the process painless. The rate we were able to obtain was 50 basis points better than anywhere else. I highly recommend touching base with them – you won’t find a better group out there (believe me, we do our research).-Raleigh, NC
"I had the pleasure of working with David Collier for my VA refinance...he was amazing, I'm so thankful for his assistance and guidance. This was my first refinance so I was a little skeptical and spoke with several companies, once speaking with David the choice was a no-brainer. His level of knowledge and professionalism is unparalleled. He communicated with me daily to keep me updated and addressed all of my questions. David made this process seamless and made sure I was comfortable every step of the way. I'm so thankful I was fortunate enough to have him guide me through this process. Great job David, you've earned a client for life!"
Our refinancing with Fouad T. was such a pleasant experience he helped me through a few challenges with securing re-financing through the VA after coming off a Bankruptcy Thank you Fouad for all the work you did on our behalf to get it accomplished so quickly and smoothly.
I did a refi with Tim he was a pleasure to work with. He's very professional and knowledgeable of the business. He answered every question I had. I'm definitely going to use him when I sell.
We recently refinanced our 30-year mortgage to take advantage of the great rates. United Trust Bank and in particular, Dana Bonselaar, executed our re-fi flawlessly. They are professional, friendly, easy to work with, and on time. Bonus, my husband is retired Army and they know the ins and outs of the VA process. I would highly recommend them!
It was an absolute pleasure working with Julio C. during our refinancing process. He made what normally would be a daunting experience into an example of excellent customer service. He guided us every step of the way and made us feel that he was interested in our getting the best deal possible. We highly recommend Mr. C.
During this crazy year of pandemic, my husband and I decided to refinance our mortgage due to the low interest rates. I was very weary because we've dealt with other banks and mortgage companies and they made the entire process so difficult. With the pandemic going on, I knew it was going to be more difficult than normal. However, Tighe W., who handled our refinance, was dedicated to seeing it through to a successful completion. He is not only knowledgeable but also extremely patient with us by answering our never ending questions and constantly gave us updates, even during the weekends. Tighe was always available to us. We would be happy to recommend your bank to our family and friends especially with people like Tighe who works for them
"We would like to tell you that working with Jamie on our recent refinance, has been a painless adventure. With his great personality he makes you feel very comfortable and explains everything to you. He even goes out of his way to answer questions, even when they are silly questions. I have heard so many horror stories about refinancing that takes months and months, it was so quick and easy, I just want to thank Jamie and tell you how lucky your are to have Jamie on your staff.� With all the scams happening to seniors, we were very reluctant to go though with it. Jamie made us feel so comfortable and made it a easy process for us."
-Richard and Donna C.
"From day one, our mortgage specialist, David Collier, was by our side (virtually). He touched base with us everyday and kept us updated at every step. He was professional and was able to assist and answer questions and concerns we had. David Collier was efficient and always on top of every step so that things were constantly progressing. United Trust Bank was able to give us a product that other lenders couldn't and we closed in less than a month from first starting. We always felt confident that they were giving us the best possible deal. This was the simplest mortgage refinance we've ever done."
-Robert and Robin B.
The mortgage officer that I worked with was patient, tireless and efficient. Although we were never face to face in our conversations, I could sense that she was always wearing a smile.
They were able to examine everything we wanted in a new mortgage and more importantly give us everything we needed. Don't get me wrong it is a long and exhaustive process! But it is so worth it after being walked through the process with a knowledgeable professional like the Senior Loan Office I had, Daniel N. When everything was said and done, we were able to consolidate our debt and obtain a mortgage with an interest rate that worked for us and some money set aside for further home improvements. It was a win win situation for my family!
Hello everyone I just absolutely Love our loan officer Andre Floyd from Cleveland Ohio. He was super nice knowledgeable professional proficient intelligent loan officer. I cannot express here how much he has helped me and my husband. There was so much we was unaware of with our previous mortgage loan. He help save us soooooo much money a month. Couldn't have been better timing. Andre you are such a blessing.
"I highly recommend Mr. Tenn for anyone is in the process of trying to refinance their home. He has been consistent, patient and kind to my wife and I from day one, and lived up to his word of being available if we had any questions or concerns. Morning or night, Mr. Tenn was there for us. He made the process so easy and stress free and we're grateful for his expertise."
-Royston & Jennifer B.
Highly recommended Andre and his team did amazing job would recommend if looking for better rate no games or gimmicks.
Karissa Levitsky kept me updated from day one. Always going out of the way to explain everything to me. She was so helpful she became lie a good friend. I have no idea what I would have done without her. She answered all my questions with and attitude of being professional and she never said that it was a dumb question. Which I'm sure some them were. She helped me in a way that no one else has done since my husband passed away. Thank Karissa for me please!!
From the very beginning conversation to closing Tim D. was incredibly helpful. He is a great loan officer and works hard to ensure everything is taken care of promptly and to make sure you understand what is happening as your loan progresses. I would not hesitate to recommend Tim to my family and friends and I'm sure you will feel the same way.
I am very happy with the experience I had working with Simone and United Trust Bank everything was fast easy and very professional.
I want to start at saying Robert H. was wonderful at helping us as he has been in the past. He always kept us informed on how things were going each step of the way! He feels like a part of our family now. We know if we ever need to refinance in the future who we will be calling. We appreciate how fast it took this go round! Robert H. you are the BEST!! Wesley and I are very happy to have gotten to know you. Thanks again for all your great work.
-Sharon and Wesley B.
We refinanced our house through UTB. Adam Figueroa was our contact. He made the whole process the least painful as possible. He was there anytime day or evening to help and answer any and all questions! He completely went above and beyond to help us in every way possible! Kudos to Adam!!!??
Wonderful company to work with, loan officer David C. did an awesome job with our refinance, he explained everything as we progressed and kept us informed every step of the way. We definitely recommend them
David Collier has gone the EXTRA MILE he believe when I didn't!! When I first received the letter in the mail I thought it was a SCAM. After calling in Mr. Collier was able to assure me that it was not. Mr. Collier has been more determine to make this process happen. Guess what?? He did it with the assistance of his crew. I am able to peep my head up through the clouds again. I appreciate all the hard work and hours Mr. Collier instilled for this process to finally be approved. I would recommend anyone that is looking for assistance with a Refi or even new loan; to give Mr. Collier and his crew a call and allow them to work a miracle. Just have the patience because that is what it takes. Throughout this process I never have noticed Mr. Collier loosing his cool even when I gave up (not once but several times). I am a satisfied customer. Thanks!!!!
Mr Robert Humann/ United Trust Bank.. From day one his been their above and beyond in every aspect.. as my loan Officer I was able to refinance my home. He truly cares about you amd make sure I had all the information required to make the right decision in refinancing the house. He's professional and diligent and I highly recommend mr Humann. I wish I could give more than 5 stars.
"Robert Humman- Loan Officer/United Trust Bank. Working with him has made refinancing my home a smooth and great experience. He truly cares about you and will answer all your questions, concerns and provide information required and reaching a resolution. My gratitude to Mr R Humman, I was able to refinance my home. He's professional, diligent I highly recommend him with any financial services need."
Our loan officer was Mr. Jamie A. He was extremely kind and helpful throughout the whole financial process. We deeply appreciate all that he did for us.
"Hayley Demeter is the best and most helpful person I have ever met, bar none. She always returns phone calls and is the reason why we will be able to move down to Florida. She is based in Cleveland, Ohio but she really belongs in Florida because she deserves to be promoted. A thousand thanks to Hayley Demeter because she is a shining star!!!"
They responded very quickly to my request for information on refinance rates. Once I decided to go with your bank the process went quickly and smoothly. They guided me through each step answering all of my questions promptly and ensured we closed in a short period of time. Fantastic service.-Streetsboro, OH
"My husband and I had a wonderful experience working with Robert Humann in refinancing our home mortgage. From beginning to end, he was informative, extremely thorough and attentive to our financial needs, thus making sure that we were getting the best deal possible. The customer service provided by Mr Robert Humann is phenomenal and I would recommend all veterans to work with him and United Trust Bank. Very satisfied customer"
I have used David C. for several years. He has excellent communication skills and is in constant contact everyday, including after settlement. In my profession it's hard to find people we can trust with our information. David will tell you like it is. I have already referred family and friends to him and will continue to do so. I will definitely use David and the bank again in the future.
We just completed the fourth refinance of our home with David C. From the first to this one, David has helped us every step of the way. The way he is always in touch gives us great confidence. David is a true professional and gentleman. I know that if rates go down again in the future, David will be there to help us again. Thanks, David!
-Tony & Jane W.
We would like to recognize Mr. Julio C. and the great work he did with my wife Ericka and I as we looked into refinancing our then current mortgage w/cash out for home improvements and such. What a great experience for us considering the last refi we did about four years ago and that was not fun at all. Mr. C. worked with us from beginning to end just as he said he would, kept us informed and updated along the way, and even when a challenge or two showed up, he dealt with it calmly and professionally. Everyone that we know needing assistance in the area of his expertise will be referred directly to Julio C. no hesitation; I may call him just to say hello! Very Satisfied,
"David Collier Vice President of Palos Heights Mortgage Division was very helpful, contacted my wife and I everyday, very helpful in walking us thru this whole process"
"Working with Fouad T. was such a pleasant experience. In all my dealings with mortgage companies, no one comes close when it regards professionalism, courtesy, punctuality and staying on top of things to get the job done. Fouad's skills are impeccable and we feel very blessed to have found him and UTB on our quest for a mortgage refi. institution. A HUGE THANK YOU to Fouad for all you did, working on our behalf to get it accomplished at the terms we needed. God bless you always!!"
"Peter Maglio,,from the time I received this call,,Peter was very professional and honest upfront about everything,,What he said would happen,,It did,He kept me informed about everything,,Would definitely recommend him to anyone.Job well done.Thanks Peter ."
Offered several options before finalizing the loan and I was always updated on the progress of the application.
Tighe Williams at First National Bank was very helpful. He gave excellent service and patiently guided us through the loan process. We would highly recommend this business.
My experience working with your bank and Laurie Turner far exceeds any bank or loan officer I have ever worked with.
We had a great experience with Steve doing our refinancing. It was a pleasure to have someone like him who helped us through the whole experience. He were very knowledgeable and Professional! He always call and let us know what was happening. It is a good bank to do business with. They give you five star service.
Working with Tighe was an awesome experience, he kept us very well informed throughout the whole process and answered questions that we had as well in a timely manner. When we got to closing it was quick and simple because we knew exactly what the numbers were going to look like and they matched as we had been advised. I am looking forward to finishing out the VA process in six months with Tighe. Thank you!!
David was easy to work with and responded quickly to all of our questions. He explained what we could expect at every step of the process which was very helpful as first time home buyers.
GREAT LENDER! Thank you so much David. You work so fast. I started this process with my local credit union back in October 2019, and I had to continually call, email them, wait for call backs, then no call back, and not until I reached out to you was I able to get things moving.
100% Recommended! David Goldberg & your bank who delivered on every level. Very responsive & received email updates all throughout process. Second time using David and have complete confidence in him! Professional, personable and ethical all the way!