“After my wife lost her job in March and we tried to refi our home we were told “no”, there is nothing we can do for you. We have excellent credit, money in the bank and equity in our home and none of it seemed to matter. I emailed Dave in mid June and explained that as a last resort I was coming to him because of YOU and asked for his help in getting a deal done. In spite of things we thought should count in favor we knew ours was going to be a tough deal to get done.

It took out of the box thinking on ours and Dave’s part, a lot longer than either of us wanted or thought it would take and at times the process got incredibly frustrating having to jump through hoop after hoop after hoop. Dave and his team demonstrated the commitment to getting the loan done and we kept answering every request for information even though at times we did not believe it was going to happen. The bottom line is that our loan funded today (Monday) and both my wife and I can breathe a lot easier tonight because of it. I am also now a fan of Dave and Covenant Mortgage.”

Regards,

Alan H.

“Thanks for all the team work. It was a smooth transaction.
Looking forward to future business with your team.”

HAVE A GREAT DAY.

Charles H.

“Thanks. We received the cash out on Monday. It is in the bank. You made this process so very easy and streamlined. Thank you for a wonderful refi experience.”

Julia G.

“I had about given up trying to re-finance my home mortgage. I had taken out a jumbo loan with Washington Mutual in August 2008 in order to do an extensive remodel on my house to make the house ADA compliant for me and my wheelchair. I had negotiated a loan with what I had considered a decent interest rate at 6.625% and was making the payments on the loan even though I had now retired from my teaching job. As we all know September 2008 then hit, the recession started in earnest, and as I watched my savings nest egg diminish daily, I still kept making my mortgage payments. And then, as financial catastrophe crashed around us all, a good thing began to happen: mortgage interest rates began to drop. By late November of 2008 I had moved back into my house and my attempts to refinance my jumbo loan began in earnest, mostly at Wells Fargo, Schwab and then Washington Mutual, and mostly with loan brokers recommended by my financial advisor’s firm. Everyone was eager at first to help me and sounded very positive about being able to help me refinance to a lower interest rate.

I made out many loan forms; I faxed many copies of my tax records, retirement pension stubs and social security contracts; I mailed many copies of my substantial savings, stock portfolio, and annuity accounts. My credit and FICO scores were in the high 700s to low 800s as usual. Did any of this do me any good? NO! Despite having a large equity in my home, perfect credit, little debt, a secure income stream, and comfortable savings, I was turned down for the refi three separate times. I have had many mortgage loans over my lifetime; I had never ever been turned down for a loan before. I finally concluded that the various banks and financial institutions I had been dealing with for years simply had stopped lending money…to anyone. Sound familiar? And then one evening in May 2009 I was driving back home after seeing a play at the Mark Taper Theater in Los Angeles, and as I usually do I was listening to 89.3, one of the local FM stations that carries NPR programs. As it happened I found myself listening to a paid advertisement for a loan broker service with Covenant Mortgage. To be honest, as soon as I realized that the earnest young man on the show was selling this service, I changed the station to news.

I had given up on loan brokers and lenders in general. However, the next weekend I again was driving home from L.A. after another play and I again tuned into 89.3 at about the same time in the evening, and there was the Covenant Mortgage guy again. This time I listened for long enough to get a phone number. Hearing this same radio show a second time II took as a “sign” that I should try just once more to refinance my loan to a lower rate. I figured that I had nothing to lose and that I surely could trust the NPR station to at least have a “quality” loan flogger on the air. When I got home I called the phone number and got a real person who set up a phone appointment with a loan broker. The broker and her mortgage company did indeed manage to complete a refinancing of my loan at the happy interest rate of 4.875% for a 30 year fixed loan. Just what I wanted! Thank you 89.3 FM radio, Theresa Easland, Covenant Mortgage you did what no one else before you would do in this difficult financial time. For those of you out there, discouraged and disappointed, take heart! There is reason to hope and to try again. ”

Margaret W.

“Thank you all! This team has been the best I have every worked with regarding home loans. The process was amazingly smooth and easy.
I will keep you in my contacts and recommend you to anyone who asks me”

Paul

“I just wanted to drop you a quick note and to say “Thank You” for an extremely smooth transaction. It is a pleasure to do business with professionals.
Again. Thanks!!”

Nathan S.

“I really trust you and your company, I am going to share this experience with my friends and relatives.

Gaspar

“Michelle and Lynn,

Thank you both for your assistance. This has been a pain free process. I appreciate it.

Manuela

“Dear Linda,

You and Lynn totally rock! True professionals! Covenant Mortgage is fortunate to have you both. You both made this process easy and painless, (and even some humor was thrown in) which is unheard of.
It was a pleasure doing business with this company.
Thanks very much,
Simon

Dear Nancy,

I want to thank you for your contribution and efforts concerning our recent loan consolidation. I believe that you and Michelle Manresa were instrumental in making this process move quickly and without flaws. As you know on September 2, 2010 my wife and I contacted Bank of America for the loan consolidation. They immediately sent someone to appraise our home. The appraiser said I was out here several years ago and it look pretty much the same Without measuring or walking through every room of the house, they left and gave an appraisal to Bank of America. She did not look at the new remodeling of my kitchen and bathrooms or the addition on the house. Bank of America then sent us loan paperwork that I believed contained a small error.

I called the loan representative and waited two weeks for a response. After two weeks the loan representative called back, answered my question and realized that she made a clerical error on the paperwork. She apologized and said new paperwork was on its way. After waiting for another two weeks for the paperwork, I called to find the loan representative was gone on vacation. I was promised by the manager in the loan department that he would assign a new person to my account and I was contacted by a new representative. The new representative promised that the new paperwork was going to be sent out right away. After waiting another week, I received nothing. Lucky for me that nothing had happened. That is when I heard of Covenant Mortgage on a radio advertisement. I called an was greeted by Nancy Osco.

I immediately felt like I was a special customer and that everything was going to be done professionally and smoothly. I gave you my information and you gave me a timeline as to the process and what to expect in writing. Your process was a matter of a couple of weeks. Your competitor, Bank of America was 4 months. The two distinct differences between Covenant Mortgage and Bank of America are very visible to anyone going through the loan process. First, and most important; Covenant Mortgage realizes that they are in a customer driven people business.

The customer is first and if you are the customer, you realize this very quickly. Every question will be answered and you will never be kept in the dark and wonder what is going on. With Bank of America, the customer is a casualty of the time consuming process where answers are hard to get. Second, the process with Covenant Mortgage is done in a very efficient and seemingly quick process. Covenant wants the customer to be informed and happy. Bank of America just keeps you in the dark and wondering if anything is happening.

Your team of individuals, like Michelle Manresa, my loan processor was also a joy to work with. She kept me informed like you did, with every step that was taking place.

Thank you again Nancy for making this process a good experience. Please share my satisfaction with your staff and new customers. I know you and Michelle will continue to serve the customers with true professionalism and commitment.

Thank you again,

Steve A.

P.S. After my paperwork was approved, processed and funded by Covenant; I finally received paperwork from Bank of America with a new closing date of January 21, 2011. Needless to say that they were not happy that I informed them that everything was done by Covenant.

“Thank you for all your HARD work, I realize the new regulations make your job that much harder. Thanks for taking the time to get me through this process. Your professionalism was top notch and I will make sure to tell all my friends about your company.”

Best regards,

Martina & Steve