Client Review on United Northern Mortgage

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JOE MANZIONE: THE MIRACLE WORKERThere are not enough words to express our appreciation for the incredible job Joe Manzione did when our backs were against the wall. He worked a MIRACLE and saved us from losing our down payment and risk of incurring possible additional financial damages.We were working with a major national bank for two months who was making the loan approval process an absolute nightmare. The loan officer of the major national bank would not return my phone calls, the underwriting team made ridiculous requests, and we were running out of time to fulfill the terms of the purchasing agreement. My wife and I lost a lot of sleep.Our lawyer was getting equally frustrated and she referred us to Joe. I presented our dire situation to Joe and his enthusiasm and “get it done” attitude gave me confidence there would be a positive outcome to our difficult situation. Joe laid out a game plan. Our challenge was time. We needed to get everything completed in two weeks. I have purchased a number of properties in the past and it is unheard of to get a mortgage commitment letter, underwriting approval, and clearance to close in such a short period of time.Joe originally estimated three weeks to complete the process. Unfortunately, we only had two weeks to perform under our contract. We would need a concession from the seller to extend our performance timeline. Unfortunately, the sellers were under the gun to complete the purchase of their new home. Joe executed his plan to perfection. He always answered my phone calls and was very specific and exact in what records and documentation was necessary to satisfy the strict requirements of lending. I remained positive and encouraged because Joe was always reinforcing what can be done. Little did I know Joe would use every available resource to expedite our file. I received hourly updates on the progress of our loan application. Amazingly, it felt as if I was Joe’s only customer.Joe completed the loan process in SEVEN days. Yes, you read that right, SEVEN days. We were able to meet the terms and conditions of our purchasing agreement and all parties were amazed, shocked, and thankful for the incredible hard work and dedication of Joe.I have never worked with such a professional, uplifting, and attentive loan officer. Joe Manzione is one of a kind. I will refer others and give Joe all of my future mortgage business. We were blessed to be connected with Joe.Appraisal: $600, Homeowners Insurance: $1,145, Joe Manzione: PRICELESS!!