"We have nothing but positive comments to say about emortgage. Everything was well done and we appreciate all of the attention and good service we enjoyed. Thank you very much."

Congressman Dick Gephardt
Former Democratic Leader
U.S. House of Representatives

"I have to say that i don't believe i will ever choose any other lender for any mortgage transactions - Leili is absolutely the best loan officer i have ever dealt with - the responsiveness, the professionalism, the ability to make a complicated process easy and quick - all i can say is wow - since i am in the mortgage business - working for hud and fannie mae for 30 years - what you/your organization has done should be replicated throughout the industry and be held as an example of what SHOULD be..."

Linda Nessi
Deputy Director
Fannie Mae
Arlington, VA

"It was a blessing I found you and i can't tell you again, how great it was to work with you - the professionalism, the efficiency, the customer service! Wow - I've been giving out your name to some folks to let them know there is a better way than most to get this done:-)"

Dom Ness
CIO
Department of the Interior
Arlington, VA

"Dear Sauli,

Thank you for the email. Just to let you know, this is the 2nd refi we have done with your company in the span of 3 months.

Most of the credit should go to Brian Bergquist. I have nothing but high praise for the way Brian does his job! He goes above and beyond the all the time, and I didn't have to think twice on which company I should go with to refinance my other house."

Martin
Rancho Cucamonga, CA

"Sauli:

Your organization has made this as efficient and painless a process as possible.

The friendly and timely response to our inquiry differentiated Emortgage from all the others.

You folks are definitely the right path.

Attitude, Attitude and more attitude definitely make the positive difference.

Customer Service is job one and you all have your priorities in order.

Thanks for a positive experience."

John and Louise
Rowly, MA

"I wanted to write and let you know what an outstanding job Luis Aceves has done in putting together my refinancing.

He has kept me informed throughout the process, with updates regarding interest rates and other technical aspects; and also about what steps were left to be completed.

Through his professionalism, good humor and obvious concern for his clients, Luis has made what can be a worrisome process one that was truly enjoyable.

He is a tremendous asset to your organization and I will recommend emortgage and Luis Aceves to anyone whom I know looking for mortgage assistance.

With appreciation, "

Cynthia N. Hull
Alexandria, VA

"As a first time home buyer, and a reluctant one at that, your company made it so simple, and cordial during the entire process. Leili, at e-mortgage.com, was great. I have told several people this is the way to go."

Jan
Houston, TX

"My second experience with Phoenix Mortgage [Emortgage] is a repeat of my first. I am exceedingly pleased with the service and professionalism of Alan Kirth. Give him a raise or a car or something he deserves."

Tim
San Francisco, CA

" I dealt with Leili and it was a pleasure to deal with her. She is service oriented and the process worked great. Thanks."

Vince
Manassas, VA

"This is the third financing I've done through Phoenix Mortgage [Emortgage]. Alan and Kim make an incredible team-and quite frankly I wouldn't work with anyone else. Alan has always taken the time to explain options to me, as well as consequences of different loan packages, etc., and Kim's follow through is equally incredible. I've recommended Alan to friends/family and will continue to do so."

Dianna
Elk Grove, CA

"I was extremely happy with the service I got from Alan Kirth. He is superb at what he does. I plan on doing more business with Alan when the time comes. You are lucky to have a guy like him on your team"

Joe
Bay Point, CA

"I would like to thank you and your team of professionals for helping us secure our first home. As the process was a learning experience for me, Leslie Lapayowker provided expertise and insight. The reason why I chose emortgage is because of Leslie's immediate response to my inquiries and information. She was always on top of each situation which arose and she motivated me to get organized with the right documents. There was never a surprise . . . [Leslie] has the necessary integrity and unmatched personality rare in today's e-business environment. I will refer anyone who is looking for a home loan to you based on your integrity, professionalism and thoroughness in the most challenging aspect of life and financial security."

Kip and Yoshiko
San Jose, CA

"The service I received from Alan was very good. He was very honest. . . Our closing costs were extremely close to his estimates and he was able to obtain a slightly lower rate than what we asked to be locked."

Jeffrey & Cheryl
League City, TX

"This is the third or fourth loan we have obtained through your company. Alan Kirth came highly recommended several years ago and he has more than lived up to his reputation. Alan has made us feel like we are very important to him and has extended solid advice many times over the past few years. I am grateful to both Alan and Kim who have worked so hard to make the loan process go so smoothly, time and time again."

Tim and Loribeth
Redwood City, CA

"I wanted to thank you for all the guidance and explanation you went through to find us the best mortgage for our situation. We love the house and probably wouldn't have taken the plunge without your creative mortgage lending!"

Rosemary
Redwood City, CA

"Let me thank you and Alan for helping me get this loan. It is difficult for me to express my gratitude short of saying Alan went the extra mile for me and made everything easy to understand and covered all the smallest details. My hat is off to him for a job well done! Thank you."

James
Pittsburgh, CA

"What can we say?/Third time we have used your services and are thrilled as usual! Alan Kirth is WONERFUL!! We do not know how all of you work your wonders, but you do. The convenience of working on the phone and copying papers which we give you, get us rates that are outstanding and no bank lines! The personal service we get is better than great. We still can't understand how we don't write checks to you and get wonderful rates. Everything all included in loan payments, always under estimated and better than we always think. Alan Kirth is someone we will use forever, no matter where we live. We have referred several persons to [you] and they all can't believe the outcome either. Keep the magic up!! We give you, your company and it's employees A+++. Thanks am million, AGAIN!"

Dave & Carol
Red Bluff, CA

"It was a pleasure to work with Alan. He was very helpful. The service he gave us was very quick and thorough. I thank you for the overall service and I will use you in my next financial endeavor"

Maria
San Jose, CA

"It was a pleasure working with your company. Brian was very helpful and provided excellent customer service. Any concerns or issues I had were handled promptly, courteously and efficiently. Additionally, I found your rates to be very good."

Violeta
Stanton, CA

"I was very satisfied with the service I received. I dealt primarily with Brian Bergquist. He was a pleasure to deal with--very professional, responded promptly to my questions and made sure I understood what was going on. Thank you and thank Brian on my behalf."

Clemente
Los Angeles, CA

"I worked with Brian Berquist and he was excellent. He was professional, courteous, returned my phone calls promptly, he was patient with my questions and was also very proactive. This is my second refinance and it went incredibly smoothly. I was impressed with the ease of the transaction. To sum it up: it was a great experience and if and when we refinance again we will be calling Brian. Thank you."

Leslie
Novato, CA

"Both individuals I worked with, Teri Hoffman and Brian Berquist, were a pleasure to interact with. They were always polite, professional, truthful, and more than willing to help with questions or concerns I had. I would like to thank them for making this a hassle-free experience."

Jozanne
Mohegan Lake, NY

"We have been quite pleased with our Phoenix Mortgage relationship. Brian Bergquist was especially helpful, prompt and courteous. Thank you for our new home loan."

Debra and Daniel
Los Angeles, CA