Home > Customer Testimonials
At American Financial Resources /AFR Mortgage (NMLS #2826), we believe we have the best jobs in the world. We help people like you afford the home of your dreams. The process of financing a home can be complicated, and maybe even a bit scary. American Financial Resources can help you navigate these waters and find the right home loan for you. This site is dedicated to all of our clients. After receiving so many warm sentiments and accolades, we decided to post some here. We'll share their words with the whole country, so everyone can know how easy the loan process through AFR Mortgage can be. We understand how big of a decision your home loan is and we have the expertise and caring and dedicated professionals to get the job done. See what our clients are saying....
[Joe Amelio] "I want to thank each one of you for all of the hard work and time that you have put in on this loan. It is unfortunate that the economy hit me in two ways - financial issues and the decrease in value of my home. But it is all working out in the end. I have come up with a savings plan since, now that my house payment is half of what it was then, I can get myself back on my feet again financially. Being a single mom is tough and I have struggled for a long time to make ends meet to take care of my son. With your help, the struggling will still be there for a while but it will be by no means as hard as it has been. Have a wonderful Thanksgiving, Christmas, and upcoming New Year."
[Kevin Handerhan] "I just wanted to say thank you very much for all
the help you did with the processing of the loan for Melissa. She is
in her new place and is very happy. Thank you."
[Tom Wilson] "Yes, everything went very smooth. I confirmed that my
Citimortgage has indeed been paid off. I was very pleased with the service
provided by both you and everyone I interacted with at AFR. The information
flow was very good and response time was very quick. Also, I appreciate
that you were able to work with me to create the solution that fit my
particular needs. Thanks for all of your help."
[Joe Amelio] "Joe, Christine, Thank for your replies and for your readiness to answer further questions. I am very grateful for both of you providing me with excellent service and outstanding support during the entire refinance process. Very Respectfully, Francis"
[Michael McBride] "Thanks for a job well done. I appreciate your extraordinary
effort on the loan approval process. I will be available for the closing,
preferably 2/23 or 2/24"
[Corazon Agcaoili] "Corazon, Thank you for the great service. Despite
the flurry of paperwork that is part of the process, your diligence
and timeliness was impressive. We enjoyed working with you and you will
definitely receive referrals from us as a result of your outstanding
work. Best regards."
[Joe Amelio] "The closing went very smoothly. The attorney who came,
Mr. Hendricks, was extremely nice and even provided some bonus benefit
in advice about getting my taxes re-rated which could significantly
lower my escrow payments. You have both been extremely helpful and diligent
to keep me informed throughout this process. The entire transaction
has been smooth, painless and faster than I thought. I feel I have been
well taken care of and am very satisfied with the service provided...it
has altogether exceeded my expectations. I shall be happy to recommend
you and American Financial Resources to anyone seeking to refinance,
including permission to use anything I have said here as you see fit.
Thanks for making this happen...it is a great result executed in an
[Neal Ross] "Neal and Tara, We wanted to take a moment to thank you for your time and hard work on helping us to refinance our mortgage. We appreciate your consummate professionalism, availability and quick responsiveness. You both worked well beyond typical business hours to meet our needs, speak with us when our work days allowed, and to help us through the process. You were organized and very 'on top' of the process, which is invaluable. We know there were some last minute changes before closing, and you both responded quickly and professionally. Thank you! We are tough critics as we have bought and sold many houses, and we would not hesitate to work with both of you again! Our Best, Eileen and Joey Roque"
[Thomas Wilson] "Up to this point, all your services (individual &
team) as well as rates/fees have been exceptional! I am glad that
at last AFR is finally in the 21st century using the latest in online
and digital services. This REALLY helps expedite things for both sides.
Of course, me being responsive in docs and no 'dings' in credit makes
your life easier too! Plus I've gone through this about 6 times now
within the last 14 years. So with great pleasure and enthusiasm, I wouldn't
hesitate to endorse and recommend AFR to any of my family, friends or
clients! Thanks again and best regards."
- Paul T.
[Terri McLaughlin] "I wanted to send you both a note to thank
you very much for all of your hard work on my loan over the past few
weeks. I greatly appreciate your assistance, follow-through and guidance
during the decision-making time. I closed last night and everything
went well. Your attention to detail, especially after hours, was a huge
help. Terri, you answered a lot of my questions from the very beginning
and Mike, you were a great help after hours and even during the weekends
whenever I had a question. Im quite pleased with how things turned
out and working with two people like you was a huge asset during the
loan process. Thanks again and I will definitely refer your company
and you two specifically should the opportunity present itself."
[Rene Havekes] "I have closed a loan recently with AFR and for origination I happened to work with Rene. I should say, I have worked with very few people who are as professional and as helpful as Rene was. He was a thorough professional, very helpful and very prompt and straight forward.
He explained every aspect of the loan process as guided me through, and pitched in where I needed clarification and help. He went out of the way to help me. I was so impressed with his service, I have suggested AFR to a couple more of my friends who were looking to refinancing their homes. I am very pleased with the whole interaction and certainly will spread the word to the people I know."
[Ronald Garrett] "Thank you for all of your help in getting the streamline mortgage
at the lower rate for me. I really appreciate your patience--the way
you explained everything to me, how you stayed on the phone with me
as I went through and signed all documents, you made sure that I understood
everything, but most importantly, you were very easy to work with. I
have just finished the closing and will go through the documents again
tonight. If I see something that I need help with, I will call you.
Please understand I appreciate all of your help. If I had to grade you--on
a scale of one to ten, you would get 100!!! Working with you was a real
pleasure. Thanks again."
[James Dante] "I would like to personally thank you for all of your
assistance in obtaining the refinance. I have had experience with many
mortgage processors in the past and you were the most knowledgeable
and helpful of any I have worked with. I have been in contact with varying
people and have spoken highly of you. I may also be using you in the
future myself. Short term, I have two people that you may be able to
assist, but you would know best if there is anything possible or what
direction to steer them in. Thanks."
[Jason Cecco] "From the moment I contacted Mr. Cecco in response to notification that we were eligible for the streamline refinance, I was comfortable. I am somewhat skeptical of solicitations. I worked for real estate attorneys and acted as an escrow agent for P-22 closers for a better part of my career. Achieving comfort while working with loan processors is not easy for me. I believe I've seen "the good, the bad and the ugly" of this industry from all angles. Jason definitely rates #1 in our "good" category. Jason was patient and very professional through the entire transaction. Jason was very understanding. Jason answered my questions succinctly, as well as returned calls and replied to emails promptly. Ultimately, Jason's demeanor was the deciding factor in which lender we preferred. I've provided Jason's contact information with an expression our satisfaction in a group email to all our friends and family. I've also provided his information to several professionals in the real estate industry with whom I've worked in the past and maintain a close relationship. Too often nowadays superiors are only notified of complaints and not of excellent customer service. Jason Cecco certainly deserves recognition for stellar customer service."
[Jason Cecco] "Just a note of thanks for everything you did to get this refinancing done. After searching the internet repeatedly, AFR came up with the right program to suit me and my circumstances. Thank you for your patience with my many questions and lack of modern technology. Through all the many issues, you kept us up to snuff and encouraged us that this was going to happen. This refinancing accomplished everything my wife and I set out to do. Reduce our interest rate and our monthly payment. It was great talking a little bit about sports too. I would definitely recommend you folks to others in my circumstances. Once again, thanks for all you did to make this happen!!!"
-Frank and Sue D.
[James Dante] "James, We just closed and I wanted to thank you again for all of your help. Everything went smooth as butter and I always appreciated how easy it was to contact you with any questions. Thanks a million!"
[Tom] "Everything was great. I have no complaints or I obviously
wouldn't have sent all my friends your way. Thought you and the company
were great to deal with and will definitely keep you in mind for any
future mortgages. Thanks for all of your help."
"Just wanted to send this thank you to everyone for making this
happen. I have been trying to refinance with several companies for almost
2 years and your company was the only one that saw me all the way through.
Scott, I appreciate your persistence and determination, you are a young
man with a great future. You stepped up to the challenge and I thank
you for getting this done. Chris, I saw you more that my own family
in the last 4 days. Thank you for your hard work. Erika, you are extremely
thorough and professional and American Financial Resources is lucky to have someone
like yourself. Thank you."
"Chris and Tom - It was a pleasure working with both you, I appreciate
you not making me eat crow by slipping the dates ;) You clearly have
an excellent company, always completely professional, and you delivered
exactly what you promised. That is rare and appreciated. We would be
happy to rave about you on Yelp, FB, etc. and/or provide references.
Have a great holiday weekend and thank you again for a providing such
a quality experience!
We are loving our new house and we are so grateful for the time
and effort you spent making sure it all happened! You helped us tremendously
and we will be your customers for life!! Again, thank you so much, you
made the process much more bearable!!!
Kristin, thank you so much for your time and I look forward to
you sharing how you will be able to help me in the future. I can see
why Bernard highly recommended you. I wish there were more of you
around. Keep doing what you do and you will be truly blessed!!!
[Robert Benham]Please note that we received the wire transfer of funds from the refinancing of our home. Thank you again for all your superb and phenomenal help and support. Chris Guerin and Rob Benham, you have a remarkable team, that put up with our crazy behavior and shenanigans, always treating us professionally. Thank you again for your support.
-Larry Krasulak, Palm Beach Gardens, FL
I wish that you could come to South Carolina and teach the people
down here how to handle mortgages. At the same time show them how you
gain trust and friendship from your customers, who will always come
back to you when they need a loan or just someone to talk to.
I want to thank you for all the hard work you put into Chriss
file. It was a pleasure working with you. I was very impressed how quickly
you got back to me when I had questions or concerns. Its obvious
that Frank also worked very hard to get this deal closed on time. I
really appreciate it! I look forward to working with you again! Have
a wonderful holiday season!
-Lorrie Nothstein, REALTOR Realty World Becky Freeman & Assoc.
I am writing you to commend your company on having Lisa Abdy
as part of your team. Lisa has represented your company with a level
of customer service that surpasses any experience that I ever had.
As we know, the mortgage process can be very stressful, yet Lisas vast knowledge and professionalism has put me at ease throughout. She is approachable, warm and responsive. Although we have never met, I feel like I have known her all my life. She provides the ease and comfort of Hometown Business yet offers worldly knowledge and experience in this ever changing market. I will most certainly recommend Lisa Abdy and American Financial Resources to all of my family and friends for any mortgage needs!
Thanks again for providing such great customer service!
-Jackie, Milford, NJ
[Chris Fischer] "Hi Chris. I would just like to thank you for all your
help with our refinancing. I hope that your boss knows what a great asset you are. Everything
from your politeness to your personal caring about your clients. I cannot
thank you enough for you understanding and patience with us when my
son got sick and then passed away in the middle of this whole process.
As you know we had been talking to three different companies, your thoughtfulness
and caring made us decide to go with your company. Dont let anyone
fool you, personalities always carry a long way when someone is making
a choice between companies that are offering the same item. Again, thank
you for your patience and understanding though this process. Please
send me some of your business cards so that I can pass your info on
to a few people that may be looking to refinance. Thank you again and
we wish you great success."
-J. W., Indiana
[Robert Pirchala] "ROBERT ROCKS!!! I will refer Robert to everyone
I meet. Even though we had some major bumps in the road during our refi,
Robert was always encouraging which was so helpful, and I really appreciated
the promptness of his response to all of my emails. I have already referred
my cousin to him for her refinance."
[Robert Pirchala] "Dear Robert, Just wanted to send you a little note
expressing my great appreciation of all the hard work. You were amazing
with refinancing my house from a bad loan and getting us the 30 year
fixed FHA loan. You had all the answers and helped with everything.
Thank you so much for all you did for my family."
[Nick Dimilia] "Nick Dimilia and American Financial Resources, Inc.
has made our dream come true. We were 22 years old when we started looking
for houses, and because we were expecting our first baby we were in
a hurry. But they were so helpful and so good at what they do that they
made buying our first house much less stressful and more enjoyable then
all the horror stories we had heard from other home owners. They were
there for us from the time we applied for the loan until after we closed
on the house. I just wanted to say thank you for everything, especially
for all the returned phone calls and fulfilled promises. I have seen
no other more caring person when it comes to a business transaction."
[Sue Lane] "To the supervisor of Sue Lane I would just like you
to know that Sue Lane is a great asset to your company. My wife and
I were nervous about buying our first house, particularly because
I am not in the country. Sue has helped us accomplish that goal by working
with us and making sure everything has gone as smoothly as it could
go. She has talked to us and made sure that we were doing the right
thing step by step, a huge plus for a first time home buyer. Her perseverance
to seeing this loan through to the end is proof that she is the type
of person I would be proud to work with.
Currently I lead a team of professional military members and civilians
in Baghdad, Iraq. Im not sure what kind of atta boy
your company gives but I know in my line of work her award would say
something to the effect of Sue Lanes dedication to duty
reflects great honor on herself and her company."
I would also like you to know that should I buy another house in the
future I will use American Financial Resources, Inc. because of Sues
great attitude and customer service."
[Corey Dubnoff] "I wanted to send you a very special thank you to both
you and Tara! I was very scared to purchase my 1st home but you made
the whole process wonderful. I really appreciate your hard work on my
file (especially at the end!). You gave me your word and followed through!
Thank you for helping me become a homeowner."
[Mark Vertino] "Hello Mark. Thank you again for getting my mortgage
need handled. This is the 3rd time youve helped us and my wife
and I have been more than happy each time. This was especially well
done given the current economic climate. In a nutshell you saved
us about $450 a month moving forward great job. I will be delighted
to promote your services to anyone that I hear of who needs a mortgage
or refinance done."
-D.S., New Jersey
[James Dante] "Well, James, its officially official. I received
the transfer paperwork for my refinanced loan today. I sincerely appreciate
your dedication in making sure that everything went through without
a hitch. As I mentioned before, I would be pleased to recommend American
Financial Resourcesservices in general and your personal attention
specifically you were true to your word and delivered what was
promised. With my low fixed rate for 30 years, it looks like I caught
the market low!
Thanks, again, and best regards."
-K.V., New Jersey
[Joe Amelio] "Hi Joe. Thanks for your email. We really appreciate all
of the help we got from you and your team. The closing went really well
and again we really appreciate the flexibility and professionalism.
I will certainly pass your information on to anyone I know who is looking
for a home loan. Thanks again."
[Jeff Beaser] "Dear American Financial Resources, When Jeff initially
contacted us, he was well-informed and presented himself in a competent
and assuring manner. We immediately felt at ease working with him. In
these days of such sales hype, Jeff was a breath of fresh air, someone
who actually followed through on what he said he would. He always got
back to us in a timely manner and answered any questions patiently and
professionally. Jeff truly made an arduous process as smooth and painless
as possible. We were very pleased with Jeff and American Financial Resources
and have recommended their services as a result of our experience."
[Robert Pirchala] "Dear Robert, I just wanted to thank you for all your
help in the purchasing of my new home. After being in the home search
for almost a year, and having dealt with shady mortgage
brokers, it was with great relief that I was referred to you. You dealt
with my fears, anxieties, and doubts as I continued to search. You listened
to what I wanted in a home, and matched me with properties that were
within my means. It was such a relief to deal with someone that truly
represented ME, the buyer, and was not looking out to just "make
a quick sale." In addition, knowing that I was working with someone
that is ethical in their dealings made me confident that I could put
my trust in you. I have spoken highly about you to anyone that would
listen, and if I am ever in a home search again you will be the first
and only person I will have representing me. In todays
housing market, I feel lucky to have worked with someone that was a
consummate professional. Thank you again for all your help, guidance,
and hand holding through one of the biggest purchases I will ever make."
-S.S., New Jersey
[Chris Guerin] "Hi Chris. We would first of all like to say it was a
pleasure meeting you. You made our refinance really stress free and
easy on us. If we hear that any of our friends or co-workers needs a
mortgage we will be sure to give them your name. Thanks again for everything."
-G.F., New Jersey
[Robert Pirchala] "I wanted to take the time and thank you for walking
me through my refinance. You were always there when I needed questions
answered, which I greatly appreciated. Throughout the loan process it
was nice knowing that you gave my wife and me the best possible rates
and a loan that we qualified for. Always keeping our best interest in
mind, the wife and I are most grateful for the significant decrease
in our mortgage payments. Most of all the finishing touch you put on
our loan by sending us a thank you note was very classy. You are about
the only person Ive known to do something like that. With great
sincerity I wish to tell you thanks for such a smooth and easy refinance
of my house. Good Job!"
[Nick DiMilia] "When it became time to get out of my adjustable rate mortgage and into a fixed rate mortgage I called Nick DiMilia at American Financial Resources, Inc. for some help. Not having the best credit in the world, Nick was still able to help me and worked very hard to close my new mortgage. Nick was instrumental in not only lowering my monthly rate, but was able also to pay off a substantial amount of debt to different creditors. I appreciate all of the help I was able to receive from Nick and American Financial Resources, Inc. Things definitely got a little easier."
[Chris Guerin] "Chris, good morning, I wanted to send you an email just thanking you for all your help with my refinance loan. I had several competing offers and other apprehensions about the process, but you understood that and still provided outstanding service. It is that level of service that I would like to say thank you for you made the process easy even though we had one or two bumps in the road. Now that the process is over and I have had a little time to reflect I am very pleased with my selection, you were very helpful and knowledgeable so again, thank you. Have a great holiday."
[Corey Dubnoff] "Corey, thank you for always going the extra mile. I have been in that business before and havent met anyone that cares about the families he helps more than you. Wishing you, your family, and your staff warm wishes."
-T. F., Connecticut
[Chris Guerin] "Thank you, Chris. I have to admit, I kept my doubts until closing. It means more than you may know that you were true to your word. Your communication was wonderful. (Even my family hates trying to call me!) A huge weight has been lifted from my life. Corny as that sounds, it is so true. So thank you for your hard work and for your perseverance. I will definitely recommend you to anyone shopping for a loan. I have your contact information handy just in case!"
-M. J., Ohio
[Robert Pirchala] "Hello Robert. It would be an honor to write a testimonial on your behalf. Thanks again for your help. Our experience with Robert was professional from the start of our mortgage process and we quickly grew confident that we were working with a competent individual. In the past, we always grew frustrated with the mortgage process because of delays or paper problems that bogged us down. Our mortgage application was handled superbly by Robert and all our contract terms handled exactly as expected. We closed on time and started to enjoy the free cash flow that was generated by our refinancing with American Financial Resources. Robert Pirchala is an outstanding professional and will look out for your interest. Thanks Robert!"
[Kevin Handerhan] "Dear Kevin. I would like to take this time to thank you so very much for all of your hard work, your patience, diligence, and attention to our special needs and concerns; and most of all in helping us to make this happen. You are super professional and very knowledgeable. Again, thank you!"
-C. R., Maryland
[Chris Guerin] "Hi Chris. I just wanted to say what a pleasure it was
working with you on the refinance of our home. You made things very
easy to understand and everything went smoothly. Our house is completely
sided and wrapped with new doors in place and we will start to do the
little things inside next. Thank you! Take care."
- S.G., Ohio
[Cora Agcaoili] "Dear Cora, I am writing in to thank you again for the
wonderful experience I had with your company American Financial
Resources. Though I may have expressed my satisfaction to you on the
phone several times, I am sending this note to also express my thanks to
the rest of your team:
1.) To Sue Kaintz and Christine Wnorowski for all the behind the scenes work that they did for the thorough processing and for the regular communication on required documents and status updates
2.) To your Direct Managers Christopher Guerin and Elias Mascobi who have been very supportive and giving you proper advices in times when we have questions; and even putting up with a very demanding real estate agent (from the seller side).
Most especially, I want to thank you for being on top of everything. Being very thorough (hounding me every day!) with all the details of the loan. And even more importantly, I want to thank you for convincing me to go with your company for my mortgage application. You have proven to me that your company is indeed the better choice. As you know, this is my first home purchase in the United States, and I am very happy that I chose a company who has the proper knowledge, right resources, and smart and efficient people to move a mortgage application to a timely closing (in less than 30 days!)
I will sure recommend American Financial Resources to my family and
friends whenever they are looking for a mortgage company. Now to move
on, please let me know how I can set-up my monthly payments. Looking
forward to hearing from you again."
I seldom take the time to write letters of commendation, sometimes because I am too busy with life or most times because the occasion seldom arises. But I had to make the time to do it this time to give not only praise, but gratitude to a very special employee of yours.Without going into a long, drawn out story, my husband and I, like so many other unassuming Americans, fell into a financial trap that was nothing short of stressful and bleak as far as our future. We thought for sure there was no comfortable way to get through this and it would take months if not years of struggle and sacrifice. Then I got a call from Kevin Gray at American Financial Resources (through my contact with Lending Tree). All the other lender reps who called did not give me confidence or hope that things could improve or be easy. But Kevin did. And the confidence he gave us was all we needed to get things moving. Let it be known that I am not an easy sell, and how he convinced me to do business with him was based on his expertise, his understanding of our situation, and his patience with us. He has all the right stuff, and I commend American Financial for having him on staff, and Kevin himself for giving us back our financial peace of mind. I can't thank him enough. Please pass this on to any others who might need someone who is not only a professional, but cares and understands.Very Satisfied Clients, Charlene and Edward, Bay Shore, N.Y."
[Marty Dubnoff] "I just wanted to write this letter in regards to the experience that my husband and I had with your company and staff. I cannot thank your staff enough for the fast, excellent work that they did to get my refinance approved and funded in less than 3 weeks. I would and will recommend you to anyone that I come across for any kind of mortgage transaction they need. Let me just say thank you again to Marty Dubnoff for his professionalism and honesty throughout my experience. The follow-up calls where very comforting knowing that he was on top of this transaction every step of the way. Thank you also to Kimberly Holster for her quick response to every question and the requests that I may have thrown at her while she processed this transaction, again with excellent professionalism and keeping me posted every step of the way."
-L. L., New Jersey
[Chris Guerin] "Chris was great through the entire process. He is very patient, articulate and clearly explains items. I appreciated his prompt responses and clear explanations."
[Chris Guerin] "Thank you again for all your hard work. I truly appreciate it! This loan made a real difference for us!"
-C.P., New York
[Chris Guerin] "Hello Mr. Guerin. I work in Iraq and youve been working with my wife Elaine on the refinancing of our house from what Ive heard the process has been relatively painless and all the pieces of the puzzle have come together thanks for making the process go well. I dont like the idea that Im over here and my wife is attending to this refinance by herself but, we talk on the phone and through emails and have gone over most of the particulars. I want to thank you for being businesslike and helpful throughout. You have handled this refinance in a most professional manner."
[Chris Guerin] "Good morning . we just wanted to take a minute of your time to share with you the great experience we had with one of your loan officers, Chris Guerin. From the moment Chris called us regarding our refinance, we knew we were in good hands . and we were the entire process was as smooth as it could be. When he said he would call, he called, the numbers were just what he said they would be, and from a customer standpoint, nothing beats that. He was professional, knowledgeable, and had our best interest at heart. We could NOT have been happier with this experience honestly, he was wonderful!!! You have a great LOAN OFFICER, and we wanted to let you know!!"
[Chris Guerin] "Hi Chris. I want to thank you for everything that you
did for us. You cut our house payment in half, got us the extra money
to make much needed repairs on our home & paid our bills off, got
his credit back on track, and made our lives so much better! You were
great! You kept in touch and were available day & night. You really
made us feel like we were your only customer. Thank you again for all
your hard work & personal service, you have truly made a big change
in our lives! Thank you!"
- K.F., Virginia
[Chris Guerin] "He provides excellent service and follow-through. Chris Guerin is a credit to your company!"
[Ray Mulvihill] "Ray, please allow me to thank you for the wonderful service you provided for me and my wife, Valerie, during our recent refinance process. You personal attention and service were outstanding during the entire refinance experience. You are the main reason our house payment and interest rate have been reduced to less than half of what we were paying. It is without hesitation that I give you my highest recommendation to assist any family with their mortgage situation. You are the best. Thank you and keep up the great work!!!!"
-T.J., South Carolina
[Jennifer Cutillo] "Thanks for all your help this will really will help a lot. With your help I was able to wipe out close to nine years, which is a substantial savings. All with an increase of less than $100 per month. I will pass your information to my niece. You made my side easy with little stress. You delivered. Thanks again."
- E.C., Oklahoma
[Michael Mitchel] "Thank you for making the refinancing of my home a
success. I was truly satisfied with how you handled everything in a
professional and timely manner. You worked hard in the delivery of the
best interest rate. I would definitely recommend your mortgage company
to future references. Again, sincere thanks to you."
[James Dante] "James, I just want to tell you what a pleasure it was to work with you and Joy Ellis on refinancing my mortgage. With finding a company online, I was concerned that the service would be impersonal. However, you took the time to help me understand the process and kept me informed as things progressed. I was SHOCKED when we were getting ready to close and you said youd found a better deal for me, and you wanted to let me know before it was too late to take advantage of that opportunity. Most local banks wouldnt change a mortgage at the eleventh hour to help the customer get a better deal. You listened to personal factors that affected my credit rating and worked with me to improve them and get what I consider a GREAT DEAL! I feel I have to say a few words about Joy Ellis. She is aptly named! What a "joy" for me to have her by my side through the final phases of my mortgage. She understood the importance of closing in a timely manner and allowed me to be a part of the process, to get things done 'in the nick of time." No matter when I called her she was understanding and helpful. What a great team you have working at American Financial Resources, Inc. I have and will recommend you to my friends."
[James Dante] "Good afternoon James and Susan. Thanks a million for making all the gaps sealed and pushing this deal through underwriting. Even with the last minute job change and other last minute obstacles that occurred for my client, you guys still made this happen. Yes, this is one of my first out of state deals ever. Im glad we made it through and helped another family enjoy the American Dream of homeownership. Thanks so much, James, for stepping up to the plate and doing what you do best and thats getting the deal DONE! Susan, thanks for putting up with all those phone calls and last minute changes you have patience and press through all tunnels until this deal was done also. Thanks a million we all here in Cincinnati appreciate your hard work!"
-R.S. (Realtor) Ohio
[Robert Pirchala] "I am writing this letter with my upmost respect and gratitude to Robert Pirchala at American Financial Resources. I was going through a divorce and had to refinance my house in order to keep the home I grew up in and had lived in for 30 years. I called in to American Financial Resources and was so lucky to have gotten on the other end Robert Pirchala who immediately tried to help in all ways possible. I explained what was going on and that I needed some answers soon. There was a lot on the line with this and I couldnt go through what just happened with the other lender again. From day one Robert always followed through with everything he said. If he was supposed to call me, he did, even if he didnt have an answer exactly he would still call just to let me know what was going on. My loan was closed within a few weeks with no frustrations, no lies, and no broken promises. I got to keep my house I grew up in and for this I am so thankful.Robert Pirchala is very honest (and you dont find that very often in the mortgage business), on time, professional, real, outstanding to deal with. Everyone I have dealt with through this company has been phenomenal to work with. I cannot say enough how I would recommend Robert Pirchala to service your mortgage needs. You can truly count on him to do what he says and to be honest and timely with you. It has developed a never ending friendship and I will never go anywhere else for any of my financial needs. I have recommended Robert to all my family and friends.I cannot say enough about my thankfulness towards him and all he has done to help me."
-J.M., North Carolina
[Jeff Beaser] "I wanted to write a short note to my loan officer Jeff Beaser to say thanks for all the help. My wife and I recently refinanced our home in NJ and I wanted to say how impressed I was with American Financial Resources. I feel that I may have inundated Jeff with emails and phone calls; some even too early in the morning, but my calls were always immediately replied to with a definitive answer and always with an upbeat demeanor. Your professionalism and pleasant personality made dealing with you a positive experience. There is no doubt that if the opportunity should arise, that I would highly recommend American Financial Resources to do the loan. It is my sincere hope to work with Jeff again on future endeavors, and hopefully we can get the rest of my family refinanced as well. Once again, thank you very much with all your help."
-N.Q., New Jersey
[Mercy Gaeta] "I have to say that I have been extremely impressed with
the service I received from Mercy Gaeta throughout the process of refinancing
my mortgage. I intend to pass her name on to everyone else I know that
might be looking for a mortgage or refi because of my positive experience.
I started with responses from about 5 companies. I had a situation at
work that kept me too busy to pursue the mortgage for about 3 weeks.
One of the big factors in choosing your company was that Mercy continued
to keep in contact with me during that time. When I was ready, I reached
out to about 7 contacts. Mercy provided me with the most information
(GFE) in written form that helped me understand what your company had
to offer. She also spent a significant amount of time with me on the
phone explaining everything. While others were interested in my business,
they were not as professional as Mercy, nor did they work as hard to
get my business. The big difference was that I felt Mercy was trying
to put everything on the table for me to understand, whereas others
were giving me as little information as possible to get my business.
The two factors that led me to use your company were 1) my comfort level
in working with Mercy (which she developed over a few weeks) and 2)
the offer Mercy provided was by far the most aggressive.
One thing that still worried me was that after the appraisal I was hooked and service would diminish. On the contrary, with rates dipping and rising quickly, Mercy worked really hard to get my paperwork organized to lock in the low rate. We corresponded after hours and even on Sunday to rush everything through. She even stayed in contact with me while she was off for a few days! While I sincerely hope Mercy doesnt have to continue to work that kind of schedule, you should know that as an employee of your company she worked VERY hard for me as the customer and provided you with an excellent reputation. I hope I am able to provide some referrals that pay her back for her excellent service."
-D.B., New York
[Jason Cecco] "Mortgage officer: Jason Cecco, my mortgage officer, was by far the bright spot in my experience. He was very knowledgeable, timely, helpful, sincere and friendly. I would certainly recommend him to family and friends. Frankly, it was mostly due to my interaction with him that I ended up selecting AFR as my mortgage company. Interest rates and fees: These were competitive with other firms that I contacted."
[Sherry Janitz] "I wanted to write you directly on the wonderful
experience I had working with Sherry Janitz from your organization.
Sherry was very professional and was very knowledgeable on the industry
and the entire re-financing process. She is truly an asset to you and
I wanted to make you aware of the fine work she is doing for your organization.
I would also be willing to be a reference for Sherry at anytime in the
-Mark K., Norwalk, CT
[Tom Wilson] "Tom, people told me "do not use an out of
town company for my needs, use someone local." I'm glad I did not
listen!! I thought that the process, from start to finish was great,
I thank you and your company for all your help. The closing itself went
very well, she made sure if we had questions they were answered. Thanks
again for all your help."
[Corazon Agcaoili] "I would like to thank you and your team at American Financial Resources, Inc. for the outstanding service that you provided me in relation to my re-finance application. Your team, especially Ms. Corazon Agcaoili conducted themselves with high degree of professionalism, integrity and transparency. My issues were always addressed correctly, in a timely manner, and with respect. I was never left to wonder what was going on with my application, and you delivered on all of your promises from beginning to end. Thank you for making this effort painless."
-Ahmad N., Livonia, Michigan
[James Dante] "James...Thanks very much for your professionalism.You're a real pro. No wonder you're a senior in your company.You may show this to your bosses...Thanks again."
-Bob C., Kingsland, Texas.
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