What are People Saying About Derek?
"As a first time home buyer who is in the Navy, when I started looking for my first home, I contacted my credit union. I got fully approved with them, with what I thought was a great deal, since I am active military. When I found a home and got my offer accepted, my real estate agent told me to call Derek, just to see what he could do for me on my VA loan. Reluctantly, I called him and let's just say, I am so happy that I did. Derek got me the same interest rate as my credit union, but also got me over $8,000 in lender credit which paid for all of my closing costs. As a first time home buyer, to be able to keep over $8,000 in my bank account is a real blessing. Thank you Derek, you did everything you said you would and more."
Steven S., First Time Home buyer VA loan
"Where do I start? I have used Derek for many loans, as have family members. When you find the best, you stick with him. The lender credits that he gives us every single time always help towards closing costs. On my most recent investment property purchase, the listing agent told me to talk to his mortgage guy and see what he could do and when I did, he was a whole half point higher in rate than Derek and Derek was giving me over $3,400 towards closing costs. I am in the real estate industry and no one has ever told me about this before, but now that I understand it, I am so happy that I have Derek as my go to guy. No one can do what he does. Thanks for everything Derek!"
Cameron C., Conventional Buyer and Multiple Refinances
"We have used Derek for two mortgages (our only two) and we feel so lucky that we were referred to him. Our first loan was an FHA loan to buy our home and Derek gave us so much lender credit that he paid for all of our closing costs. When we were able to refinance out of the FHA loan into a conventional loan, Derek not only got us an insanely low rate, but also paid for more of our closing costs on our refinance. The other mortgage people that we talked to when we were buying our home didn't even mention lender credit. Derek saved us over $10,600."
Michael C. and Tiff Y., FHA Buyers and Conventional Refinance
"I had started my VA loan with the in house direct lender at my real estate agents office as she had referred them to me. I thought I was getting a good deal because they are a big company. Then, the listing agent on the property I was buying told me to talk to Derek and once I saw what he could do for me, I was blown away. He gave me over $8,700 which paid for all of my closing costs while keeping my rate .125% lower than what I was being given by the in house person. I am a first time home buyer, so I couldn't believe this was possible, but my loan closed on time with no issues at all. Derek did everything he told me he would do. I highly recommend him to anyone buying a new home."
Aaron B., VA Buyer
"We were already approved with the in house lender who was referred to us by our real estate agent, but then the listing agent told us to talk to Derek and see what he could do for us on our FHA loan. We had asked the seller for a $5,000 seller credit towards closing costs because we could really have used that money. The seller didn't want to do it, but we really wanted to home. Derek gave us lender credit for ALL of our closing costs and got us the same rate that the in house lender was giving us with no lender credit. I don't know how he does it, but it saved us over $10,000!"
Cesar C., FHA Buyer
"Derek was referred to me by the real estate agent I was working with. I had already spoke to two other mortgage companies and one was trying to force me into a down payment assistance loan where I would have to live in the "not so good" part of town and the other one was trying to force me into an FHA loan. I met with Derek and he explained to me the pro's and con's of each loan option and then showed me his 1% down program. Neither of the other two mortgage companies have that program, therefore they couldn't even offer it to me. It was BY FAR the best option for me and my situation. Not only did he give me 2% for my down payment, he ALSO gave me $4,475 towards my closing costs and all I really had to bring in to close was the 1% down plus $1,200. I bought my first home for the cost of 2 months rent.
I am SO HAPPY that my agent works with Derek and could refer him to me. Now I can't wait to refer him to everyone I know."
Eric T., 1% Down Conventional Buyer
"I have known Derek for over 10 years and he is not just my friend, but my mortgage lender. I work at a big bank, so I can use anyone to do my loan, but Derek ALWAYS beats them not just in rate, but the lender credits he can give are very much appreciated. I have grown to expect them from him, but when he does it, it still takes me off guard, even though I have done multiple loans with him. Derek, thank you for always taking care of us and making us feel like we are your only clients. We cannot recommend you enough."
Robert B., Conventional Buyer and Multiple Refinances
"Derek is my lender. As a real estate agent, I get hit up ALL the time from lenders promising this and that, but no one can touch what Derek can do for my clients. Besides the fact that he gets wholesale mortgage rates, the lender credits he is able to give to my buyers is crazy. I have been in the business for a long time and I have never had a lender do for my clients what Derek does EVERY SINGLE TIME. I cannot recommend him enough. He continues to amaze me every single transaction."
Dan B., Realtor
"Derek is our go to lender. Besides the fact that he is just an awesome guy, what he can do for our clients, as far as interest rate and lender credits, is truly amazing. On our last VA buyer, they had started their loan with their military credit union and we finally convinced them to talk to Derek and Derek was able to get them the same rate they had at their credit union, but also gave them over $9,000 in lender credit which covered all their closing costs. We cannot recommend him enough."
Jeff and Hayley T., Realtors
"Derek has done loans for my parents, my friends, my clients and myself. I know many loan officers at many different companies and I have yet to see anybody that can even come close to what Derek does for his clients. It blows me away every time and that is why I love referring him buyers because I know that they will not just get the best rate and lender credits available to them, but that Derek is a wonderful reflection of myself and my business in the way he takes care of his clients. I swear he never takes a day off. Give him a call, you won't be disappointed."
Daniel F., Realtor
"As a first time home buyer, Derek went above and beyond for me and helped me get financed on a building that was impossible due to litigation. He kept me informed throughout the process and fully had my back. I wouldn’t be in my place without him… plus I got an amazing rate."
Matt F., Owner Digital Design and Branding Agency
“Derek was able to do a mortgage that others refused to take on. He was able to guide us through the process effortlessly and was able to resolve all of the issues as they arose. He was even able to close the deal while I was out of state for work. His professionalism and follow through is second to none!”
Rick E., Fire Station Chief
“Derek, There is something that I do feel you should know. I have been on the phone and/or worked with nearly 30 lenders in my search for a loan. You were the most knowledgeable and efficient person I found. I’m glad I found you. I will recommend you to anyone that might need your type of services. Best Regards.”
Timothy S., Mechanical Engineer / Physics Instructor
“Derek, Thank you again so much for your help! I know it’s your job, but you’ve definitely gone above and beyond and I really appreciate it!”
Allison B., first time home buyer
“Derek, Thank you. You are incredibly compassionate and the consummate professional. Your assistance is valued and appreciated.”
Gina A., Doctor
“Derek is a “client first” adviser and is as detailed oriented as they come. He secured multiple, safe, affordable, loans during times when most advisers were looking to make a quick buck. He’s personable, professional, honest, and transparent. When I need a loan, he’s my guy. I recommend him with the utmost confidence.”
Josh C., Sports Agent
"As a financial advisor, I am very protective of my clients and who they deal with. I recommend Derek to every single one of them because of not just what he can do for them, but how he treats them. When my clients purchase or refinance and don't tell me and use someone else, more times than not, there is a hiccup with their transaction and a lot of times they end up getting interest rates higher than they should. Derek, I have known you for a long time and I thank you for taking care of my clients, treating them like family and always making sure that they get the best deal possible."
Travis L., Financial Advisor
"I tell everybody I know to use Derek for their home loan. People don't believe me, but then they talk to him and see what he can do for them, they thank me for the referral... every single time. He has done loans for my family members, my friends, my clients and myself personally. The lender credits that he is able to give is something that most people don't even understand because they have never been offered them before. Derek is upfront, honest and an extremely hard worker. Do yourself a favor and call Derek for your next home loan."
Daniel C., Financial Services
“Derek is a true professional and his work ethic outshines most of his peers, but most of all he always does what is best for his clients. I highly recommend him to anyone who is interested in his services.”
Trey W., Assistant Vice President - Business Banking