One True Loan

Working with One True Loan was one of the best decisions we’ve made. They are quick, very helpful and super professional. We are not very familiar with the mortgage and refinance world but these guys walked us through the entire process, answered all our questions and provided all support we expected and more. They were very good about responding to our calls and emails. There was not a time during our refinance where we didn’t know what was happening. They worked with our escrow company, tax preparer, and insurance agent to streamline the process and close as soon as possible. They just made the whole refinance so easy. We will definitely be working with them again.

Just finished the loan process. Everything was so smooth. They are very responsive to all emails and phone messages. They have a nice document upload system to upload all of your sensitive documents without sending through unsecured email. They are both very professional and friendly, answered all my questions, and best of all didn’t dodge questions that they didn’t want to answer. I had many other lenders/​brokers hem and haw and avoid questions about fees, but these guys answered my questions. And no bait and switch. Being new to how mortgage lending works, I was worried I“d end up getting tricked somehow into paying too much. But the loan that they quoted me ended up almost exactly the same (actually a little better) as the one I closed with. Competitive interest rate, low fees. And they closed on time. Which is great. I read so many reviews for other companies of the close date expiring and people having to pay extra to re-​lock a rate. None of that here. They were very fast and on top of it. My only hiccup was due to my own ignorance as to the difference between loan origination fees and escrow funds (property taxes, homeowners insurance etc). So the amount required to fund my escrow account was unexpected, but they explained how the lender calculates it (also explains it on their GFE) so that you can calculate the amount yourself and know exactly how much you will owe. That way there were no surprises. Great experience.

I can’t say enough good things about One True Loan.
You’re absolutely crazy to not give these guys a call. And, actually you can get a true good faith estimate just by going online to their site.
I was ripped off when I did my first mortgage on my first home and for the last two years I’ve learned everything I could about mortgages, brokers, loans, the process, etc. so when it came time to do my refinance i wouldn’t get taken advantage of.
In the process, I went thru probably 4 different brokers, from «upfront» brokers to the more popular giant lenders you see on every commercial, explaining the situation and that I was now educated on rates and credits that a lender gives back (basically all the games that are played EVEN with the new regulations and good faith estimates).
Every single one played the same game and tried to make as much money off of my refi that they could instead of passing on that credit to me, and they would STILL be making money even if they were getting me a good deal.
Dont be so excited when you hear you’re getting a no cost loan. A no cost loan is great, but how about a no cost loan with extra money to go toward taxes or some third party costs. Credit from a lender can go toward some things but not others so you want to find someone who’ll educate you how to not leave money on the table.
I sound like an ad for One True Loan but I am absolutely blown away on how fast they did my refi (three weeks start to finish), on how honest they were with the rates and credits, and how easy they made the process.
Of course every loan is different but when you can download a Good Faith Estimate before you even call them and see all the rates and more importantly the credits that the lender is giving back, you have nothing to lose by calling them.
I guarantee you can match them up against anyone doing a mortgage and you’ll see for yourself.
Like i said before EVEN with the new guidelines there are brokers/​lenders STILL able to keep money for themselves instead of getting you the absolute best possible deal.
Try it and you’ll see. Doesn’t cost a dime to check them out.

I found this company online and I was very impressed with the instant GFE and how quickly and responsive Danh was! The whole process was done in less than 30days! Also the follow up on Roberts behalf on customer satisfaction was impressive!

I was looking into reducing my interest rate on my home mortgage. I worked with Robert who was helpful and reassuring. He responded very quickly to the questions I had. Unlike other lenders, I didn’t have to provide any personal information like SSN or DOB before getting advice. Robert was able to provide me with many possible options for lowering my monthly payment. Additionally, the website was very helpful and gave me pricing and rates up front. You can see all the loan programs available to you up front with their associated fees.