The SmithBrandt Team Testimonials

What customers are saying about The SmithBrandt Team

I appreciated the knowledge and customer service; I felt Eric did a great job explaining the process. He was always there to answer my questions, and the closing was great too. I would refer my friends and family to Midwest Family Lending.

Alan K.

"Eric was so great! I only interacted with him. He was so responsive to questions, knowledgeable and just so easy to work with. We had a difficult closing with the prior homeowners and he was so patient and honestly the best part of the process was working with him."

Ryan W.

It was our first home purchase and we appreciated that Josh was continuously available to answer questions along the way. The application and closing process went smoothly thanks to working closely with our builder. This all happened during a lot of market uncertainty yet we never felt pressured into locking in a rate. I had several options to apply for a mortgage elsewhere including the large bank that I work for. Between the competitive pricing and better customer service received from MFLC I wouldn’t hesitate to refer friends and family."

Austin S

"Josh and Eric helped facilitate making the loan process easy by having an online option. Everything went well and was straight forward and simple."

Dan S.

"Eric had a professional relationship and did everything he promised. I believe the cost of the loan was reasonable and the process was accomplished in good faith. For me getting a loan from someone I don't know is very scary; and I believe Eric and his company to be honest and trustworthy. My wife and I were treated with respect."

Vaughn H.

I appreciated Eric & Josh’s knowledge and help getting everything to/from them as quick as they did."

Ryan T.

"Eric was great! This was my first experience with buying a new home and the entire mortgage process was new to me. Eric was so helpful and patient. He had to explain things to me a couple of times, but didn't seem to mind at all. He made the entire process so much easier."

Sue H

"Eric was very easy to work with and took the time to explain the vast amount of information. He was also professional and respectful throughout the process."

Aaron S.

"I had put off our refinance for quite awhile because I thought it would be a headache but I had I known how simple it was I would have done it sooner. We couldn't have been happier with the process."

Angela R.

I appreciated the friendly service, honesty and both were very knowledgeable."

Josh C.

This was our first mortgage. The only things we knew about getting home loans prior to this was what other people had told us about them. So, from what they said, we expected the experience to be confusing and time consuming. I don’t know who they were dealing with but for our first mortgage it was completed the opposite. Everything was done on time and we never felt rushed or pressured. I intend to refer the Smith Brandt Team to others for several reasons: First, we never thought we could get a home loan yet you guys helped us get one. Second, I never felt inferior or pressured during the entire process. It was like dealing with a good friend as opposed to dealing with someone sitting across a desk making you feel lucky they are taking their time to work with you and is only trying to close the deal so they can keep their lake house. And lastly, you guys did not just work during “business hours.” If I shot you an email with a quick question you got back to me right away. I didn’t have to wait till tomorrow morning at 8am to find out where I needed to be tomorrow morning at 8:30am for example. We are spreading the word as best we can. And doing our best to steer our friends who need a house or home loans your way. Thanks again!!"

Jeff & Jessica L

Eric is excellent at his job!! He truly understands communication and customer service.

Matthew C.

"I loved working with Josh and Eric, there personal touch. They were easy to get along with and could handle me and my crazy like it was just another day :)"

Whitney O.

"Working with Eric was fantastic. Buying a house can be a stressful process, but he always got back to our emails timely and answered any questions that we had. He also communicated very clearly any additional information he needed from us during the process."

Courtney G

The fact that Josh & Eric were willing to help us out when something that popped up on our credit report and got it corrected was very appreciated. They did a very good job of keeping us updated as we went through the process. The communication was great."

Benjamin W.

"The SmithBrandt Team really stayed on top of all the decisions we needed to make, and all the paper work that was needed to process our loan. When there was a glitch on our end, they notified us of what we needed to do about it. They really had a great understanding of what we wanted, and took care of business in a very timely fashion."

Grace B

"Eric was really patient with me and answered all my questions. As a first time home buyer, I wasn't sure about everything and he explained things well. Eric also was really great at responding to emails in good time and helped get the best mortgage package for me. I felt really good going into closing, everything was laid out for me ahead of time so I knew what to expect and how much I was going to be paying."

Allison M

"Eric was down to earth. He was willing to explain and provide insight on questions."

Ryan W.

"Eric was very helpful in communicating with us in regards to all the information he needed. He was helpful, friendly and laidback atmosphere made this process comfortable."

Patrick T.

Eric just took care of everything, kept me updated during the whole process and made it easy for me. There were no surprises. Eric is very trustworthy. Whenever I hear of someone needing this service I give them Eric’s number knowing they will be take care of."

Jeff J.

Eric & Josh made my process very smooth. I plan to refer to the SmithBrandt team to friends and family."

Lee L.

The process was quick and easy with no fault. They were friendly and easy to work with. Eric put a lot of time into getting me the best loan and rate at the time."

Nick G.

Eric had great communication with us and let us know in a timely manner what he needed and made buying our first house as easy as possible. We went to Midwest Family Lending because you specialized in a particular loan we were looking at and Eric showed us all our options.

Megan C.

I appreciated how quick the process was and helpful the employees were. Eric made the process easy."

Janeen T.

"Eric was great. His attentiveness and quick response time to our questions was much appreciated."

Matt H.

We appreciated we could talk with someone face to face. The process was most hassle free and the easiest we have ever experienced in all of the many times we have purchased homes."

Sandra B.

"It was nice to do business with someone face to face vs. national lender. Eric and I developed relationship and trust quickly. He was available and professional."

Brian M

The SmithBrandt Team where knowledgeable and answered all my questions. I would refer them to family and friends."

Jerad H & Kim O

The SmithBrandt Team kept me informed each step of the process. I think they would work very hard to make a loan happen."

Janelle L

Chuck and I would like to thank you again for all the hard work in making our dream a reality. Thank you for not giving up on us. We love our home and are so proud of it. Thank you again."

Chuck and Dee

We appreciated the thoroughness, everything was done in a timely manner and we were kept informed. When we asked questions, they were answered promptly and courteously. They and their team treated us as we would treat others, thus they represented us well!"

Glen & Marilyn M.

"I appreciated the personable interaction. Eric was great!"

Katherine B.

They were quick and responsive to all of the questions I had and took the time to make sure I was comfortable with the process. There was no pressure to do anything that I was uncomfortable with. They were great to work with!"

Kayla M

Voted Best Mortgage Company by Cityview 2017 and 2018

Voted "Best Local Mortgage Company"

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FHA is Just Being Greedy

Today’s FHA stats will blow your mind. One of which is the fact that their MMI fund is literally overflowing. So why won’t the lower their MI to the consumer? Regardless of the answer, it needs to be done. The answer to this question and more is answered in an interview with David Stevens that […]

The post FHA is Just Being Greedy appeared first on National Real Estate Post.
Pending Home Sales Decline Unexpectedly

It seemed safe to say, even before the National Association of Realtors® (NAR) released the pending home sale numbers for April, that some analyst somewhere would be able to say, "I told you so." Trading Economics had a +0.8 consensus estimate while Econoday's consensus of 2.0 percent was for growth predictions ranging from 0.8 to 5.0 percent.

Guess what, everybody was wrong. Very wrong

NAR's Pending Home Sale Index (PHSI), which is based on signed contracts to purchase existing homes, dropped 4.4 percent from its March level to 106.2 in April, very close to the 100 benchmark set 20 years earlier. Year-over-year, signings jumped 51.7 percent compared to April 2020 when pandemic-related shutdowns brought sales to an all-time low. The drop in the PHSI does not bode well for existing home sales over the next few months. Those sales have fallen for the last two months.
Non-Government Loans See Jump in Forbearances

The forbearance numbers increased again over the past week although Black Knight, in its weekly report, said these mid- to late-month upticks are becoming common. The number of mortgages in active plans rose by 16,000 or 0.73 percent. The number of Fannie Mae and Freddie Mac loans in forbearance declined by 1,000 but that was offset by an increase of 2,000 among loans serviced for FHA and the VA and a 15,000 loan rise (2.5 percent) in forbearances among portfolio-held and privately securitized mortgages. As of May 25, there were a total of 2.195 million mortgage loans remaining in forbearance plans, 4.1 percent of all first mortgages being serviced. There were 682,000 GSE loans, 887,000 VA and FHA loans and 625,000 loans serviced for bank portfolio or private label security investors.

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The SmithBrandt Team Testimonials

What customers are saying about The SmithBrandt Team

I appreciated the knowledge and customer service; I felt Eric did a great job explaining the process. He was always there to answer my questions, and the closing was great too. I would refer my friends and family to Midwest Family Lending.

Alan K.

"Eric was so great! I only interacted with him. He was so responsive to questions, knowledgeable and just so easy to work with. We had a difficult closing with the prior homeowners and he was so patient and honestly the best part of the process was working with him."

Ryan W.

Austin S

"Josh and Eric helped facilitate making the loan process easy by having an online option. Everything went well and was straight forward and simple."

Dan S.

Vaughn H.

I appreciated Eric & Josh’s knowledge and help getting everything to/from them as quick as they did."

Ryan T.

"Eric was great! This was my first experience with buying a new home and the entire mortgage process was new to me. Eric was so helpful and patient. He had to explain things to me a couple of times, but didn't seem to mind at all. He made the entire process so much easier."

Sue H

"Eric was very easy to work with and took the time to explain the vast amount of information. He was also professional and respectful throughout the process."

Aaron S.

"I had put off our refinance for quite awhile because I thought it would be a headache but I had I known how simple it was I would have done it sooner. We couldn't have been happier with the process."

Angela R.

I appreciated the friendly service, honesty and both were very knowledgeable."

Josh C.

Jeff & Jessica L

Eric is excellent at his job!! He truly understands communication and customer service.

Matthew C.

"I loved working with Josh and Eric, there personal touch. They were easy to get along with and could handle me and my crazy like it was just another day :)"

Whitney O.

"Working with Eric was fantastic. Buying a house can be a stressful process, but he always got back to our emails timely and answered any questions that we had. He also communicated very clearly any additional information he needed from us during the process."

Courtney G

The fact that Josh & Eric were willing to help us out when something that popped up on our credit report and got it corrected was very appreciated. They did a very good job of keeping us updated as we went through the process. The communication was great."

Benjamin W.

Grace B

Allison M

"Eric was down to earth. He was willing to explain and provide insight on questions."

Ryan W.

"Eric was very helpful in communicating with us in regards to all the information he needed. He was helpful, friendly and laidback atmosphere made this process comfortable."

Patrick T.

Eric just took care of everything, kept me updated during the whole process and made it easy for me. There were no surprises. Eric is very trustworthy. Whenever I hear of someone needing this service I give them Eric’s number knowing they will be take care of."

Jeff J.

Eric & Josh made my process very smooth. I plan to refer to the SmithBrandt team to friends and family."

Lee L.

The process was quick and easy with no fault. They were friendly and easy to work with. Eric put a lot of time into getting me the best loan and rate at the time."

Nick G.

Eric had great communication with us and let us know in a timely manner what he needed and made buying our first house as easy as possible. We went to Midwest Family Lending because you specialized in a particular loan we were looking at and Eric showed us all our options.

Megan C.

I appreciated how quick the process was and helpful the employees were. Eric made the process easy."

Janeen T.

"Eric was great. His attentiveness and quick response time to our questions was much appreciated."

Matt H.

We appreciated we could talk with someone face to face. The process was most hassle free and the easiest we have ever experienced in all of the many times we have purchased homes."

Sandra B.

"It was nice to do business with someone face to face vs. national lender. Eric and I developed relationship and trust quickly. He was available and professional."

Brian M

The SmithBrandt Team where knowledgeable and answered all my questions. I would refer them to family and friends."

Jerad H & Kim O

The SmithBrandt Team kept me informed each step of the process. I think they would work very hard to make a loan happen."

Janelle L

Chuck and I would like to thank you again for all the hard work in making our dream a reality. Thank you for not giving up on us. We love our home and are so proud of it. Thank you again."

Chuck and Dee

We appreciated the thoroughness, everything was done in a timely manner and we were kept informed. When we asked questions, they were answered promptly and courteously. They and their team treated us as we would treat others, thus they represented us well!"

Glen & Marilyn M.

"I appreciated the personable interaction. Eric was great!"

Katherine B.

They were quick and responsive to all of the questions I had and took the time to make sure I was comfortable with the process. There was no pressure to do anything that I was uncomfortable with. They were great to work with!"

Kayla M

Voted "Best Local Mortgage Company"

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