"Very helpful servicng and timely responses. Loan processing was easy and fast, closing was convenient and quick."
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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.
-Alen R.
I recently refinanced my VA Loan with United Trust Bank and Brandon Eberhart was my Loan Officer. I can honestly say it was the best customer service experience I have ever had. Brandon guided me through the process and responded to all my concerns without delay. Brandon thanks again for your outstanding commitment to getting me through the process.
-Anthony H
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
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.
-Barbara H.
Amber was very helpful to us at what she was doing. Kept us informed all the time went above and beyond calling after hours to let us know updates. I highly recommend her once again. Good job, Amber, thank you.
-Barbara T.
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.
-Bob T.
"Peter Barbera went the extra mile for me. 5 ***** all the way... Now, I can get my life I really want... Thank you."
-Brent T.
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
-Brian B.
"David did a good job, particularly on following up. Pretty much heard from him everyday. Would recommend strongly."
-Brian C.
Patricia was awesome to work with. I seriously have never worked with someone who's been so great and a real person. It's hard to find someone who's willing to listen to so many questions and have answers and not be upset. I would recommend her to anyone. She is my favorite person! And she knows what that means. Islands for everyone. I would highly recommend her and I'm hoping if interest rates drop I will be working with her in the future. She is an absolute asset to your company. Thank you Patricia, you rock!!!
-Carla Z
My wife and I are so thankful to have Ryan Wolverton helping with this loan process. Ryan was extremely knowledgeable, professional, prompt, courteous and kind. It will be a pleasure to recommend Ryan and United Trust Bank to anyone who is interested in a loan. Thanks again
-Carlton M
Amber was so sweet and nice she helped me a lot, KEEP UP the Good work. KEEP Smiling!
-Carolyn H
This was the best refinance experience I have ever had. I have owned three houses and have refinanced multiple times. All of them through VA programs. Rob made the process very easy. All our questions were answered. There were no surprises. Definitely will do business with them again. Thank you so much for helping our family.
-Christopher J
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!
-CindyS.
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.
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!
-Curtis A.
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.
We worked with Amber Garcia and she worked double time and then some to get us our loan through the holidays yet thanks so much Amber we’ll definitely tell people about you.
-Diane K
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!
-Donald L.
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.
-Donald M.
Top notch: Very timely, helpful, and took initiative.
-Duane B
"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!"
-Erin K.
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!!
-Glenn
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.
-Glenna M.
"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!)"
-Gloria S.
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!
-Heather L.
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
-Jairo B
Amazing people to work with. Helped me out a lot Thank you.
-James K
"Robert was thorough, knowledgable and helpful throughout the whole process."
-James R.
I was skeptical when I received a letter in the mail about VA refinance for equity. But I called anyway. Rob Humann was my consultant. I did have my guard up for a while but he just made my girlfriend and I feel at ease. Little by little my walls came down and I actually learned from Rob while I was refinancing. He is always responsive to texts, calls or emails during the complete process. He is very personable and really knows his stuff. Within a few weeks I had the money in the bank and we are able to do some home repairs and bill paying. Thanks so much Rob. We will definitely be talking again when it comes time for the Streamline. We definitely suggest using this company!!
-Jeff C
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!
-Jennifer C.
My wife and I would like to give some feedback on our refi with UTB and MR. Cortez. Everything went so smooth. Shockingly smooth. This is not my first refi so I am very impressed. I believe this is a direct result of the professionalism of Mr. Cortez. His knowledge and communication skills are exemplary. He made us feel like his only customers. Everything was explained so well and we got everything we wanted. His timeline was spot on. Mr. Cortez is defiantly at the top of his profession and a great asset to UTB. We just can’t say enough about how impressed we are.
-Jeremy & Miranda F.
Helped me a lot was very concise and made everything easy to understand.
-John A
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.
-John M.
Great Customer Service , They are the best ,You will be very satisfied.
-Joseph D.
This was one of the easiest processes ever. Thanks for all your help
-Kathleen H.
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!
Best regards,
-Kathy B
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.
-Larry G.
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.
-Laura P.
I didn’t know about this bank. I happened to receive a letter in the mail. I called them, spoke to a loan officer. That was one of the best things to happen to me. He was very knowledgeable, very patient, always ready to help me. I will definitely recommend him to my family and friends.
-Lissa C
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.
-Marisa F-M.
"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!"
-Melissa B-P.
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.
-Michael F.
10 out of 10 experience
-Michael H
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
-Michael J.
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!
-Michelle B
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.
-Mike P.
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!
-Mili
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.
-Nathan H.
I have to say it took a little longer, but Bryan Trundle worked with me on everything. Answered my questions and phone calls, even on his off time. I was very impressed. Thank you Bryan Trundle!!
-Nathan W
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
-Patricia H.
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!
-Patti O.
My VA refinance went smoothly and with no surprises thanks to Danny Iannarelli. Danny is a credit to his bank and profession. I was always in the loop and kept well informed of the entire process. What separates Danny and his Bank was the concern for my best interest. Veterans first at United Trust bank. Thank you Danny and UTB!
-Paul B
Thank you John and United trust bank. From the start to the end you guys worked hard to make this refinance easy, quick and painless. I am grateful to actually picking up the phone and calling and not throwing the letter away. Life changing for myself and my family.
-Pedro S
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!
-Philip K.
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!"
-Rashida G.
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.
-Reinaldo 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.
I went into this in a bind, my bills were a lot higher than I could handle. I contacted Trust online and my loan officer Ryan Wolverton reached out to me right away.. over the next month he kept in contact with me about every step of the loan, assisted me wherever I needed help. I would recommend Trust and Ryan for help in refinancing a mortgage.
-Robert W
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.
-Rogelio D.
The experience that my loan officer provided was very pleasant, considering any type of loan refinance can be a real headache. However, he made this process go as smooth and fast as possible. I am impressed with their speed, professionalism and expertise. I will be recommending their VA Home Loan services to my friends and family. Thank you!
-Rosella A
I would like to state that United Bank and Trust through Daniel Iannarelli have treated this veteran with respect and professionalism, to the refinance of my home. And I thank them very much.
-Rudolph V
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.
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
-Sherrill T.
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!!!!
-Shirley B.
"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."
-Sonia R.
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.
-Sonia R.
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"
-Tammy B.
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.
-Thomas S.
It has been a pleasure working with Amber and having you as my loan officer. I appreciate all the time and effort you put in on getting me this loan. Once again I want to thank you.
-Thomas.M
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,
-Tony G.
"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"
-Trent V.
I decided to refinance my home due to lowering my interest rate and paying off some bills. My loan officer, Robert Humann, was Awesome. He made the loan process very easy and quick. He was very friendly, patient, professional, dedicated and very compassionate of my needs. He always stayed in touch with me and returned my phone calls quickly. I could not have asked for a better experience with this company. I very highly recommend this Bank to anyone in need. Thank You again Robert and United Trust Bank for helping me.
-Trudy F
Offered several options before finalizing the loan and I was always updated on the progress of the application.
-Vilma S.
My experience working with your bank and Laurie Turner far exceeds any bank or loan officer I have ever worked with.
-Waylon A
Just closed on a VA Refi with UTB. Had the pleasure of working with Daniel Iannarelli. Highly knowledgeable and made sure I understood every step of the process. He made the whole experience smooth and quick. Highly recommend him.
-William K
