-
April 2022 by Pasi Hara
We did use RPM mortage as our lender when we bought our house in 2017. They came recommended from our friends. The mortage process was lenghty and very complicated for us. As first time buyers in the US, we did not know what to expect. Since then we have had 2 attemps to Re-Fi and both times have failed due to false promises and lack of communication. We have been trying to contact them for weeks without a reply. Nicole Francis has not been available and does not return our calls even priomised by her staff. She was the reason we chose RPM, because she convinced us the Re-Fi could be done in matter of weeks and how they would give us the time and attention needed. This was in November last year. We are in end of April now. Don’t waste your time with them.
-
October 2021 by Max K.
I highly recommend Michael to anyone going through the process of purchasing a home! As a first time home buyer, it was important for us to work with someone who was responsive, an expert in their field, and someone who could offer guidance when needed -- Michael fits this description perfectly. He is a true professional who goes above and beyond for his clients. Anytime we had questions he was so quick to respond no matter how late or early it was, and he kept us updated throughout the entire closing process once our offer was accepted. In today's competitive market, I can honestly say I don't know we would have gotten our home without Michael's advice and quick actions. Our realtor was also highly impressed by Michael's prompt communication and how quickly he operated. So much that she has already begun referring clients his way as he simply gets the job done in a timely fashion. Michael is extremely reliable and we hope to work with him again in the future. Very happy we found him!
-
August 2021 by Alex M.
Michael's help and expertise in steering us through the refi process was impressive. I highly recommend him for any mortgage needs. As a self-employed business owner, I've tried unsuccessfully for several years to refinance. Through deep lending knowledge and taking the time to understand my financial picture, Michael facilitated my non traditional cash out refinance when other lenders and brokers couldn't look passed my lack of W2 income. As a matter of due diligence and to ensure the best rates, he first tried for a traditional refi. While it didn't work with underwriting, I appreciate that he kept me informed about his reasoning. Despite needing loads of documentation, the process was straightforward because the company uses a secure portal to collect documents. Additionally, Michael's outstanding communication allows him to explain why he needs the specific documents requested. I found that extremely helpful. Michael was great at answering questions in a timely manner with thoughtful comprehensive answers if needed. I'm grateful for his professionalism, expertise and matter-of-fact nature when it comes to mortgages.
-
July 2021 by Michael R.
We have only superlatives for Michael. I don't speak finance and the rules have changed considerably since we bought our house twenty years ago. It is an aggressive market out there, but Michael explained everything for us and got us entirely prepared so we were competitive buyers. He guided us with such professionalism and integrity in the refinancing of our home and cashing out and then again in the purchasing of a second home. Our finances are not conventional and Michael took everything in his stride. If you are looking for an absolute pro, personable, patient and responsive, then Michael is your guy. Good luck out there!
-
July 2021 by Mike Jones
TL;DR - Michael is absolutely incredible and I would recommend him to my closest friends & family. Being a first time homebuyer, I had zero idea how much work actually went into a home purchase from beginning to end, but Michael was there from step one, holding my hand throughout the entire process and somehow able to move so incredibly quickly by anticipating what would be needed and covering it so that when that particular deadline arrived, we had everything ready to go. I was referred to Michael via my agent, Will Flannigan of Compass and trusted his recommendation, so I jumped in on blind trust, knowing that Will had my best interest in mind. This is the first time I'm visiting his Yelp page and I'm absolutely stunned that his personalized, incredibly quick, timely workflow is identical across the board. How one man can take care of multiple clients with such care simultaneously is mind-blowing. Michael was ALWAYS an immediate phone call, text or email away and there were times that he responded to an email (even my d*** questions) so quickly that I thought he had sent an email while I was typing mine out. His emails were amazing, with spreadsheet details on creative options I had to move forward with my deal and even threw together dual loan options with a HELOC included, in case I wanted to go that direction as well. I'm a "read through an email 20 times" type of guy to truly digest the information, but he was just as thorough over the phone. I will add that when you're spinning out of control, in the final days of closing and you're sending Michael docs that he didn't even ask for because you're nervous that *something* inevitably will go wrong, Michael will *respectfully* redirect you when you're losing your mind with closing anxiety. Side note: I actually had an out-of-state and another in-state lender prior to being introduced to Michael who still haven't followed up with me since about October... They have no idea that I've gone a different direction and have purchased a home. Win for RPM & Michael. I will without a doubt use Michael again and will refer any and everyone his way. I wish all business transactions were this seamless, easy and personal.
-
July 2021 by Mike J.
I second the comment from Valerie asking if we could add additional stars to Michael's ratings here. TL;DR - Michael is absolutely incredible and I would recommend him to my closest friends & family. Being a first time homebuyer, I had zero idea how much work actually went into a home purchase from beginning to end, but Michael was there from step one, holding my hand throughout the entire process and somehow able to move so incredibly quickly by anticipating what would be needed and covering it so that when that particular deadline arrived, we had everything ready to go. I was referred to Michael via my agent, Will Flannigan of Compass and trusted his recommendation, so I jumped in on blind trust, knowing that Will had my best interest in mind. This is the first time I'm visiting his Yelp page and I'm absolutely stunned that his personalized, incredibly quick, timely workflow is identical across the board. How one man can take care of multiple clients with such care simultaneously is mind-blowing. Michael was ALWAYS an immediate phone call, text or email away and there were times that he responded to an email (even my d*** questions) so quickly that I thought he had sent an email while I was typing mine out. His emails were amazing, with spreadsheet details on creative options I had to move forward with my deal and even threw together dual loan options with a HELOC included, in case I wanted to go that direction as well. I'm a "read through an email 20 times" type of guy to truly digest the information, but he was just as thorough over the phone. I will add that when you're spinning out of control, in the final days of closing and you're sending Michael docs that he didn't even ask for because you're nervous that *something* inevitably will go wrong, Michael will *respectfully* redirect you when you're losing your mind with closing anxiety. Side note: I actually had an out-of-state and another in-state lender prior to being introduced to Michael who still haven't followed up with me since about October... They have no idea that I've gone a different direction and have purchased a home. Win for RPM & Michael. I will without a doubt use Michael again and will refer any and everyone his way. I wish all business transactions were this seamless, easy and personal.
-
May 2021 by W. Spencer S.
As always, Michael is the best lender out there. Since writing this last review, I've used him for a re-finance and then used him on a second new purchase. He is *on*top*of*it and super responsive. I can't recommend him enough if you're looking to buy or refinance a place.
-
April 2021 by Kathryn W.
This review is long overdue! I was a first time home buyer and other than my parents advice and some google searching, I knew nothing. Michael was so patient with me and went over everything many times. He was so quick to respond to all my questions, even on the weekends and evenings. I was nervous about buying during Covid but the process was seamless! The other day he reached out to me to offer refinance options which was amazing. You can tell he truly loves his job and he is definitely a numbers wizard!
-
April 2021 by Alex K.
Michael was excellent to work with for purchasing our home, and we couldn't have been happier. I had been working with a different mortgage broker originally, who was literally making me lose sleep with stressful changes to the loan terms. So I reached out to several other brokers, and Michael was the one who impressed me by far the most. He was going to be able to quickly process the loan in our time frame. From the outset, he was extremely "on it" to get us the best possible rate, and make sure we presented everything in the best way to the underwriters. When I originally contacted him on a weekend, he got right back to me, and continued to be prompt throughout the process. We couldn't have been happier and felt more secure that we were in good hands. We would highly recommend him for anyone looking for an excellent pro. In a video about him posted on YouTube, he says he wants to be your mortgage broker for life -- and he works like he means it. Consummate professional, can't recommend him enough!
-
February 2021 by Valerie P.
CAN I ADD MORE STARS***? Buying a property is always overwhelming, especially when you are a first-time buyer, and this is why having a strong professional who will be "holding your hand" and fighting for you to get the dream home is crucial. My parents are seniors and first-time buyers, so one can only imagine the number of questions they had. We were blessed to have Michael on board when we started our journey looking for the property. Michael took over from the loan officer, who said that our loan wouldn't be approved cause of the condo policies and stepped away. Michael was the savior for us, and his knowledge of the rules and laws helped us apply for the place we wanted. Michael immediately made us feel very confident and led us through the process of getting the new home with a lot of patience and respect. Michael's work ethic was top-notch, and the communication was on point; prompt responses and follow-ups were so valuable. He worked so hard and put in such long hours to make this happen very quickly, and there are no words to express gratitude to him and his team. I'm so impressed with Michael's work and thrilled for my parents to get their place finally. Now I wish we could buy more properties and work with Michael again soon.
-
January 2021 by Caitlin O.
I didn't end up using Michael as my mortgage broker because of some complicated issues on my end, but I wanted to come here to write that he was so unbelievably professional, efficient and sharp. He was very patient with working with me through some unique issues, and spent so much time even knowing that I may not end up using his services, this time at least! I had bought a condo 4 years ago, and as a first time buyer, the broker i worked with was AWFUL, so it was a bit put off by the profession. But Michael changed my mind and Ill be using him hopefully soon on my next purchase!
-
December 2020 by Jan G.
We had such a great experience with Michael and made the homebuying process straight-forward and approachable for us being first-time homebuyers. From the first moment we hopped on a call with Michael - he is very professional with a touch of friendliness. He has a great deal of knowledge in homebuying and particularly in the mortgage process. Especially during the time of pandemic when things could potentially get lost in translation by not having that in-person meeting, Michael is very resourceful and I would even say with online tools (ex. Docusign), the application process has run very smoothly and even faster at times. We were even a few days ahead of schedule - it's a testament on Michael's work ethic and timeliness when handling our case. I remember having questions about each step of the process and Michael has been good answering all of our questions. When we are submitting documents and a few information happened to be missing, Michael takes the time to explain to us (via call or e-mail) on how to obtain the right document. Overall, we had a very pleasant experience and happily typing this review on our second night at our new home!
-
October 2020 by Danny I.
Let me share our ridiculous story and how Michael saved the day. We were in escrow on our dream home and a few days before escrow was supposed to close, our bank calls us and gives us devastating news: they could not approve us for the loan. We were in shock, but honestly not surprised because our banker hardly returned our phone calls. I called Michael at the 11th hour and he was able to save the deal. Within 2 days, he got us an extension on escrow and was able to use his UNBELIEVABLE creative problem solving skills to make sense of our very tricky finances and secure us the loan. He kept us informed at every step of the process and even secured us a rate way lower rate than offered by the original bank. This man is a godsend. I can not rate him highly enough. In fact, now my parents and my brother are refinancing their homes through Michael and & his team.
-
September 2020 by Lynn U.
Michael at RPM Mortgage exemplifies professionalism, effective frequent communication, and thorough work ethic. My husband and I were extremely fortunate to have Michael guide us when buying our first home. He made the overwhelming, new experience feel very comfortable and secure. He is thorough and organized with the immense paperwork and a million signatures needed to buy a house. He always made time for phone calls and responded within minutes through email. He was very efficient with our time and moved things along with clear steps, but he was also very patient when I had to stop and ask questions. He made us feel like we were his only client. We appreciated his guidance and trusted him as he is very knowledgeable and provided many examples and explanations of different options available to us. We plan to work with him again when needed, and I've already been telling my friends and family about Michael.
-
September 2020 by RJ L.
Michael is amazing. This was our first time buying a house and Michael was incredible. Our pre-approval happened so quickly, which was great. I'm terrible with finances and money and he walked me through every step and made it easy. He answers emails late at night and early in the morning and seems to be online anytime to answer questions or help out. The process can get complex and Michael explained everything and why it was needed. He helped me get all my documents in order for a flawless process. I've already recommended him to multiple people. If you chose him, you won't regret it.
