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My family has refinanced with Mr. Steve Pharas before and we had a great experience working with him again. He kept continual communication with me and my father throughout the process and explained everything explicitly to him, which he appreciated immensely.

Steve is awesome. He has not only helped me personally but I am a realtor and he has helped many of my clients. Easy to work with and closes on time!!

Steve is hard working, he answers all my questions promptly and I was extremely satisfied. He helped me where to get all the documents needed for my housing loan. Most important my loan was approved promptly. He is excellent and I highly recommend him to another customer like me.

When it all seemed hopeless we came into contact with Stephan Phras and he went above and beyond to help us! Not only was he in constant contact and made sure we were content with the stressful process, he made it happen!

I am so grateful to have had Steven on my team. He made everything so simple and always had our best interest. He is someone that made me feel completely comfortable and I felt like I could trust in his work.

Steve was incredibly knowledgeable and professional, and he always took the time to answer my questions in a clear and understandable way. He was also very patient and understanding.

I'll never use another lender. My loan officer and Amres were so knowledgable and provided amazing service. Not only did they give me the lowest rate I could find, but they were able to get me closed in 2 weeks!

My loan officer was so professional and knowledgeable and provided the best mortgage rate. He also replied to all my communications very promptly and provided regular updates about the progress of our mortgage application.

Carl helped me to do refinancing my house. I'm was impressed with his fast response times and he always beat the competitor's mortgage quote. I highly recommend Carl for mortgage services.