“Chris helped & provided me with a fantastic home loan while providing impeccable service to me, Chris is a great partner to have in any mortgage project as he provides skills, timely information & resources and I look forward to work with Chris again - a consummate professional!”

“Thanks for taking me as your client and waiting patiently until I could have everything you needed ot make my refinance goal happen. It's been a pleasure working with you. You have made this refinance process seamless and easy. I will definitely continue referring you and your team to anyone who could

benefit from your services.”

We just want to thank you for all of your help. You provided excellent service and we will definitely be referring you over (and hope to use

you again in the future).”

We had been putting off a refinance because we well remember how long and tedious the process is. A close family member introduced us to Chris Kostoff and now we are believers! We just completed the refinance on our home and we are still in awe. The whole process went smoothly and fast! The communication was excellent. And, Chris Kostoff secured our loan at a great rate, saving us a lot of money each month. Trisha Bryant, the loan processor, was wonderful to work with. She communicated with us every step of the way. And when it was time to sign all the paperwork, the Notary came to our home and the signing of documents was fast and easy. We will definitely tell friends and neighbors about the excellent service and the nice people we worked with. Thank you Chris and Team. You saved us a lot of money and made the process painless!

My husband recently passed away-quite unexpectedly and well before his time. I was quickly faced with the harsh realities of sticking to a budget and running a household which I have never done. My husband was an accountant and a bit of a control freak and did not like me rummaging around in his paperwork. Even though he was an exemplary husband, I was left unprepared for even the most mundane tasks. Since I lost my husband's salary and am nowhere near retirement myself, running the household included cutting my expenditures by at least half. That was a daunting task since I am known as the "Consumer Queen" that knows no boundaries. I joke and attempt to keep this light, but if you have gone through something like this, there is absolutely no humor to be found-just some cursing and a lot of tears. Thus, in order to save money and decrease my mortgage payment, it was suggested that I try to refinance my house. For someone not at all in tune with the world of finance, this was quite overwhelming ad I hardly knew where to begin. At this point in time, you came to the rescue. You were a total stranger to me but came highly recommended from a trusted source. You were deliberate, highly responsive to my needs (there were many) and held my hand throughout the process. Thanks to you, I ended up with a much lower mortgage payment, a low fixed interest rate, no fees, and no appraisal. You made things just a little easier - and that's saying a whole lot!