Excellent review by nVhn,
I'm a many times repeating customer, and a very happy one!
As far as I can recall, I?ve gotten my first mortgage with AimLoan more than a decade ago. Since then I have closed several loans with AimLoan in both new mortgages as well as refinancing on existing loans: many for us, 1 for my relative, and another for a friend.
Here are the reasons why I keep coming back:
1. Best rate & lowest closing cost combination
I?m a semi real estate professional who has multiple rental properties during a period of 30 years. I?ve closed many new loans and refinancing. I?m also an IT professional for these 3 decades. As far as I can tell, my researches have always brought me back to AimLoan for the utmost important consideration: Lowest rate & closing cost combination
2. Many choices for both new mortgage and refinancing
Going to AimLoan website, one can select from an extended selection of various program
a. New loan vs. Refinancing
b. Primary residence vs. Investment property
c. Fixed rate vs. Adjustable (so many combinations)
3. Complete transparency
After I completed the on line application, which normally takes 30 minutes, by the end of the process, I know exactly what document are expected from me. All of which were uploaded using the website. Though I had many phone interactions with AimLoan staffs, I could see the entire process can be completed via emails and AimLoan website
4. Upfront detail knowledge of closing cost
Also after finishing the application, I know exactly 2 most important things
a. My new-and-lower monthly mortgage payment which is normally >99% accurate
b. My ?estimated? closing cost, which in actuality will vary only a little bit, which is absolutely very normal
5. Best on-line experience with most of the interactions were done using internet
Maybe a large part was due to my exposures to computers and technologies, I?ve found that AimLoan website was very well designed and is incredibly user friendly. This makes the process much simpler
6. Last but not least: AimLoan has gotten the best staffs that have consistently provided the best service that I could have hoped for: their understanding, their thoroughness, their professional expertise and courtesy. This great experience was demonstrated consistently at all phases of the loan approval process: filing application, providing support document, reviewing and feedback on document completeness, making necessary adjustments to meet my requirements. Specifically, in the latest loan, after I presented my calculations on the expected escrow for both tax and homeowner insurance, AimLoan staff was able to review and discuss with underwriters resulting in lowering my closing cost by the thousands of dollars. Though I had always known that the escrow amount will always be used to pay for only tax and insurance, I obviously prefer the absolute least amount required at closing, and AimLoan staff was able to achieve that. I believe they do care about best customer service experience
I can almost be 100% certain that I?ll come back to AimLoan in the future for both new home purchase and refinancing.
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