Our Mortgage Management Philosophy:

The market is extremely volatile—a mortgage on which you are now spending $5,000 or $6,000 in closing costs may be obsolete in two months. Using our mortgage management philosophy, with the most sophisticated technology and experienced mortgage managers handling these transactions, we watch the market on a day-to-day basis and catch fluctuations. These fluctuations allow the customer to lower mortgage payments, consolidate second mortgages, payoff credit card debt, or do whatever else needs to be accomplished. Then we sit back and watch the market. When rates improve down the road, we repeat the process again.

Highlights, Specialties & Features

  • No closing cost mortgages and mortgage management since 1994

Professional Associations & Certifications

  • NMLS #3082
  • Residential mortgage broker licensee in: AL, AZ, CO, CT, DC, FL, GA, IL, IN, ME,
  • MD, MN, MS, NC, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV https://www.lenoxfinancial.com/statelicenses

Contact Details

  Person Lenox Financial Mortgage, LLC
  City Atlanta , GA
  Zip Code 30305
  Address 3525 Piedmont Rd; Bldg 6 Suite 500
  Phone Number (866) 458-6075
  Tollfree (866) 458-6075

Products & Services

Residential Mortgage Loans

* New Purchase Mortgage Loans
* Refinance Mortgage Loans
* Mortgage Management
* No Closing Cost Mortgages

  • I would recommend this business
  • Great Service and no closing cost mortgages

I want to thank you again for taking out the time to discuss my refinance options.
I have been treated very cold by previous loan officers, including my own bank,
Wells Fargo, which can be very discouraging.

You have exercised exceptional service, and I want to thank you from the bottom of my heart for that!

If you report to anyone, please forward them this email, which shows my gratitude. Whether this transaction goes through or not, I'm sure I will need your services again in the future. You have a customer for life!

Additionally, if I know of ANYONE, who is looking to purchase or refinance, I will lead them straight to you!

Thanks for all of your time.

Value for money
Service & support
Overall ratingExcellent

Customer Testimonials

Nice to hear from you! Yes, we did move - end of September - to Sussex county. It's absolutely beautiful here - it's semi-rural and Conservative - the Jersey turnpike and smokestacks are miles away.

I have to tell you that the loan process was a nightmare; I never appreciated how smoothly everything went with you until I had to deal with an incompetent idiot. Your professionalism made the process easy!

I will refer anyone I know in MD to you, and I hope all is going well for you!

Thanks, and Happy New Year to you as well!

Dear Ed, Thank you very much for helping me through my refinance process. Your attention to details, your willingness to answer every question and research answers for questions you are unclear about was very impressive. Thanks for keeping me on track and following up on me consistently even when I was out of the country or non responsive.

You truly made the process gratifying. Thanks once again and you can be sure I will be referring people to you.

I am lucky I got the rate, and lucky I found a Mortgage Manager that is passionate about what he does. Thanks again for all the help on this and for working so closely with me - and of course, for remaining tolerant of all my phone calls and checking in ;-)

I will certainly pass along your info.

Thank you again for all your help. I really appreciate it and i will recommend u to all my friends and family for refinancing and 1st time financing. Have a great holiday.


Just wanted to say thanks!! It looks like everything is going to work out as you said!! I really appreciate you telling me to call BOA to process my taxes!!

Your service and attention to detail has been second to none.

Thanks again and Have a Great Holiday Season!


Thanks for the attached file George. The closing was short and sweet. Fred was great and very well organized. We’ve got the paperwork of course, but having the file makes it much easier to save in the long run. Paperless is definitely the way to go with all of one’s important documents.

Again, thank you for everything. Doing business with you was a joy.


We can't say "thanks" enough for your time, effort, and energy in getting us through our re-fi. We have had an exceptional experience in dealing with Lenox and moreover, yourself. It's not often I can say that.

Keep us posted on anything you think we may need in the future.

Best Regards,

To John Heath,

Hello, John I just wanted to thank you for all the hard work on my behalf. When I started the process of getting Good Faith estimates from other financial

institutions I was really starting to loose my mind. Other people would fax or mail me paperwork, but it was all a blur. I could not get questions answered

or phone calls returned. They would email me to fax the rest of my info to go forward (I did not do) with the loan. Their Good Faith estimates looked good on

the surface, but the numbers did not add up. You took a great deal of time to explain all the paperwork. I really needed to get out of my Adjustable to a Fixed Mortgage ASAP. Thank you for walking through ever word, number, and question with me. When you called and told me the amount to bring to closing was a lot less than the Good Faith estimate read. I actually did the happy dance. Once it came time for the closing it went so well. For the first time I did not hate signing my name a thousand times. Thank you for helping me get a good mortgage and keep my sanity.

Dear Devin,

Thank you for all of your help through this process. It was a pleasure to work with you and your team. Everyone was always available and quick to respond, in a professional, pleasant and courteous fashion.

You made the process easy and we appreciate all of your efforts.


Mr. Dean,

I received your email address from Reggie Laurent. I asked that he forward me the contact info of a boss or supervisor who I could comment to about his level of service. We recently closed on a refinance of our home in Maryland. I started working with Reggie by pure chance over a month ago. From the moment we started working together, I was extremely impressed at his competency, professionalism and knowledge of the industry. I have complete three purchases/refis in my life, and this by far was the best one yet -- all due to Mr. Laurent.

He completely streamlined the experience for us, and went out of his way to dot all the I's and cross all the T's before the actual closing so that there were no surprises -- and most importantly no delays. It is extremely difficult to refinance these days, but Mr. Laurent completely took the stress out of it for my wife and I. I wanted to pass along to you that you have an extremely valuable employee with Mr. Laurent. Never having worked with Lenox before, Mr. Laurent's actions determined how I view the company. He has completely sold me on your business. I will recommend Lenox Financial -- and specifically Mr. Laurent, to anyone I know who needs to secure financing.

I would appreciate it if you would give him recognition for his outstanding service. And please note, I do not know Mr. Laurent nor have I been asked to comment to you. I am a business owner who would appreciate hearing this sort of praise about one of my employees. Take good care of him, you want someone like Mr. Laurent in your company!



Looking at the paperwork for our mortgage, I see that I initiated the application on April 22, 2009. From start to finish was exactly 3 months. My wife and I moved a lot for both my military career and my civilian career, so we have had houses in 5 states, all of which had a mortgage.

This one was undoubtedly the most difficult mortgage we have ever taken. Incidentally, this is also the smallest mortgage we have ever had.

I am well aware that the banking problems, as well as the economy had a large effect on the paperwork and the lenders requirements. However, along comes Peggy Burke, undaunted by adversity. Thus, the purpose of my mail. It's almost impossible to put into words how much my wife and I appriciate your hard work.

You refused to surrender. You refused to give into the nay sayers. Moving the old mobile home was a challenge, but you patiently waited. You managed to put all the parts together to accomplish the mission. If I didn't know better, I would think you were a U.S. Marine.

Therefore, without proper authority, I convey to you the hororary title of U.S. Marine with my sincere gratitude for a job well done. My wife sends you her regards and thanks.

Finally, Hope all is well with Mr. Burke.
Al B, USMC (Ret)

With Profound Respect

Dear Mr. Griffin,

We are writing to you to pay our utmost compliments to John Health. My husband and I decided several months ago to refinance our home. We talked to a number of lenders/brokers and were immediately put to ease from our first conversation with John. He is knowledgeable, mature, and has good understanding of today's difficult lending market.

Our application was a bit of a challenge because although we have plenty of assets, as retirees our income was a bit too low for today's standards. John proactively worked with the Account Executive at Fifth Third Bank to overcome every roadblock we faced. Frankly, there were so many challenges along the way,

I truly believe that someone who is less of a professional would have given up on our application.

Thankfully, we were able to obtain a new mortgage.

We are so pleased with John's performance that we gave his name to our stockbroker at Morgan Stanley. He has recommended John to several of his other clients. We will certainly recommend John when we learn of someone who needs a mortgage.

I hope that you know that you have a real gem in John. We will certainly be calling on John in the future for our mortgage needs.

Sincerely yours

Hi Ed,

This is a note to say I am really pleased 100% with your service. I especially appreciate the upfront communication and thorough explanation of how the process works and the mortgage industry in general. I also appreciated your patience to explain things over and over to me; I know I can be a little paranoid sometimes. I have sent my recommendation of you onto 2 friends.

Thank you very much for handling the process with the very best professionalism.

Have a great day!

Brendalee C
Technical Architect
Business Intelligence Data Warehousing


I wanted to thank you for making the refinance of our home a painless experience. You answered all of our questions in a timely fashion and were responsive to all of our requests. Our Good Faith Estimate was very accurate and our closing was actually lower than predicted.

Thanks again for all of your hard work.

Hello Ed,

We just wanted to say what a pleasure it was working with you on our refi. We want to thank you for all the hard work you did on our behalf. You were the only one that was able to help us get both of our ARMs rolled into one fixed rate loan. I know that was not an easy task now with all of the federal guidelines.You were very knowledgeable, courteous and always quick to respond to any questions that we had.

We appreciated the quick work you did on getting us a very fair and accurate Good Faith Estimate. We were happily surprised when we got to closing to discover that we actually came in LOWER than the Good Faith Estimate.

It really was a pleasure doing business with you and seeing you at closing. We will not soon forget the great job you did for us and hope that we may be able to do business with you again in the future. We would definitely recommend your services to friends and co-workers.

Thanks again Ed,

Thank you.

Two days ago, we closed on our house in Athens, Georgia and used your company as the mortgage broker. I wanted to share in this brief note how your company literally transformed my view about mortgage finance and how one of your employees, Bill Rozar, has earned our trust and undoubtedly the future business for myself and hopefully my colleagues.

The first time we bought our home, we did not know what we’re doing. We simply contacted the company where we had most of our assets. They quoted us a 30 year fixed rate mortgage and we did not really think about the closing costs. Closing went fine, though I naturally felt a little bit of sticker shock when I realized that the closing cost can pile up. We walked away feeling like we had a good, but, not great-deal and frankly suffered a bit due to the upfront a outlay we had to pay on closing cost.

Last fall, I heard a story on NPR about your company and an interview with you. Something about the interview caused me to pay special attention to the interview, and you’re no-nonsense way of discussing to the industry resonated with me (as a lawyer and law professor, I take a similar approach to my own profession which unfortunately is infested with some real low-lifes).

Fast-forward three months later... We had decided to move to Athens in connection with an appointment that I had received from the University of Georgia.

This time, I decided to take a more proactive approach to our mortgage – both because I felt better informed about the process and because I felt like, in a soft market, there were deals out there, but I had to make the financing work.

I did three things: I contacted our current lender, I used Lending Tree, and I tracked down your company. Initially, are all lenders had a strong advantage-proven performance record. You hear horror stories about homebuyers whose closings fall through because the lender’s funds do not arrive at closing. I knew this would not happen with our current lender, an established financial institution. What made it especially difficult was that most mortgage deals take place without the borrower and the lender (or the broker) ever meeting in person. So, in order to break through that established relationship with our current lender - someone had to earn my trust.

Bill Rozar did that. Compared to the other mortgage brokers who wanted to promise the moon, he was blunt and direct about what could and could not be done.

He endured numerous questions from me about aspects of the deal, the nature of the no closing cost option and the requirements of closing. He was a hard but fair negotiator - doing what he needed to get my business, but not promising the moon (as some of the mortgage brokers on lending tree seem prepared to do).

And one day the bond formed. I told my current lender that I was prepared to take my business to Lenox Financial if they were unwilling to offer the competitive package and level of service that Bill was offering. They tried to call my bluff and lost. From that moment on, the closing went as smoothly – if not more smoothly - than our last one. Bill told me exactly what the tender writer needed and did not send me on any wild run for meaningless documents. We had an extended discussion about the economics of the no closing cost versus the closing cost option. Once I decided to go with the no closing cost option, he lived up to his word on handling the cost, and might add that the only out of pocket expenses included the owner's title insurance, the prepaid interest and the property insurance.

What’s the bottom line? From our perspective, we have a great house and felt like we secured a great deal on the financing. From your company’s perspective, you (and specifically Bill) have a loyal customer and one who plans to refer business to your company on a regular basis. As an academic, I regularly see a steady stream of new colleagues at the university and look forward to referring them to Bill.

What amazes me most about this entire process is that it all occurred without any one meeting each other. When you think about the stakes of a home purchase and the possible pitfalls, their success would seem to depend on a relationship of trust. And that relationship was built not on personal meetings or slick salesmanship - but, rather on the patient, informed communication between Bill and myself.

My grandfather built his own business. Starting from nothing, he built an extremely successful insurance business in the Ohio river valley. He always taught me the importance of communication between himself and his clients, and particularly about how his salesmen were serving those clients. From that, I learned the importance, as a customer, of communicating with upper management - not simply when things go wrong, but also when they go right. This was one of those occasions where they went right, very right. And as the founder of the company, I thought you’d want to know.


Peter B.
Associate Professor of Law

I just wanted to take a moment and let you know what a pleasure it was working with Jason on our recent loan application and closing. Jason was professional, knowlegeable, courteous, quick to respond, and overall very helpful.

On the day before our closing, I joked to him about the length of time ithat had passed since we started the application (due to the volume of refi's happening now) and asked if rates had come down since we locked in - half kidding. He went and checked and sure enough he was able to shave another eighth of a point off our rate! That is service.

I would recommend Lenox and Jason to any of my friends looking for a loan. I'm sure you are happy to have him on your team, and you should be.


Good morning Bart,

The closing went smooth as always and it looks like this one is all wrapped up.

As it may be a while before we get the chance to do this again, if ever, I wanted to thank you for the fantastic products and service you have provided Leslie and I.

Our experience with Lenox and especially you Bart has been nothing shy of outstanding. The expertise and market timing you have provided have been of great benefit.

If we can ever be of reference for you please don't hesitate to ask.

Kindest Regards,


I wanted to let you know that the closing agent just left and everything seemed to go smoothly. More importantly, I wanted to thank you for making this process go so well. When I decided to go with Lenox it was not without some reservations. I think with my situation I could have easily gone to a local bank and probably got close to the deal we put together. I did consider doing that but after some research and corresponding with you I felt at ease. Oh, I would be lying if I didn't give props to your bosses radio commercials on XM they were interesting. I like his style! If I need a loan or another re-fi in the future I won't hesitate to call you.

Thanks again for your help and I hope your father is doing better.


Hello Jay:

I just wanted to send a quick THANK YOU for all of the help that you provided to us on the refinancing of our 1st mortgage. There was a lot of work that needed to go into this with the new Federal guidelines and bank rules for providing home loans! You really bent over backwards and went the extra mile to push this one through to closing and we greatly appreciate it! We'll do this again when rates go down more and I will definitely be referring my friends to you! Keep up the great work! You guys are truly a great company to deal with!

Thanks again,


I thought that I would just send you a quick note to say that Marc was extremely straight-forward, totally above-board, quick to respond, and he made it a pleasure to negotiate my refinance with Lenox Financial. Also, the Kham’s were not only well-prepared and courteous, they accommodated my wife and I running in and out of the boardroom as we had a sleeping eight month old infant in her car seat.

I am impressed with your operation and I look forward to calling Marc in the future when I am ready to do another Refi or renovate our home.


Just wanted to say that we have been extremely happy with our Lenox Financial Mortgage Manager Lindsay Moss. She has refinanced us twice and is currently negotiating for us an all-time low rate of 5.75. She has been living proof that TRUTH IN ADVERTISING pays off for both the customer and the lender. We do not hesitate to recommend Lenox Financial to anyone interested in getting a mortgage.

Thanks so much for being there through turbulent times!


I would recommend Blake Hauger to anyone I know who is buying a home or refinancing there home. This is our second time completely refinancing with him and every time he has been speedy and professional keeping me updated every step of the way. And he was able to figure a way for us to save even more money than originally planned.

Thank you Blake, you are wonderful!


I watched you on the CNN special entitled, Mortgage Meltdown Saturday morning. I have heard your commercials on XM radio and visit your website frequently. I use some of your quotes while helping my customers. You are clear, concise and very straight forward about the state of the mortgage industry.

I myself have been in the financial industry for close to 15 years. I was a financial specialist Wachovia for 12 years. Currently, I am the manager of a local credit union and a licensed mortgage broker. I feel compelled to share with you how impressed I am with the way you remain optimistic about the state of the mortgage industry. I personally place 90%t of the blame for our crisis on the mortgage industry.

My own experience leads me to believe that greed and unreasonable performance expectations have led many banks and credit unions to make bad loans to good people. Now, as they say, the chickens are coming home to roost. Now, these same loans have made good people un-bankable. We can’t help them. This causes me a great amount of grief.

Nevertheless, while many of the nation’s financial institutions attempt to place the blame on the consumer, I refuse to do so. I personally place 90%t of the blame for our crisis on the mortgage industry. I know that as a banker, I have a fiduciary responsibility to my customer to put them in the right loan or no loan at all.

It’s clear to me that your company prides itself on doing the “right” thing. This is why you guys are experiencing growth while others are struggling (Credit unions are feeling the strain too.)

While things are tough right now, you continue to remind people that there is help for them if they allow experts to help them. Your call to action is clear.

Thanks for being a beacon of hope for the people and the industry. I wish more big banks had guys like you as CEO.


I have been meaning to thank you for your great service with my mortgate purchase, as well as with all the help you provided to me and my family with the purchase of our condo!

Also thank you for the gift certificate, I've already put it to good use. I used it to purchase a vacuum cleaner we needed! Here is a pic of my family. I realized we never sent you one, and we always have your pic included on your emails!

Anyways, thank you so much for everything.

I just wanted to thank you very much and I appreciate everything you did. You made it a pleasurable experience as you were always available, prompt and professional. I will definitely give you a high recommendation and refer anybody I know your way should they be looking for a loan.

Dear Mr. Shibley,

Allow me to commend to your attention, Jon Bacon. I have just concluded a new home purchase with financing via Lenox Financial.

Jon did an excellent job for my wife and I, in fact he was the sole bright spot in an otherwise difficult circumstance. He never failed to communicate

effectively, followed up on each and every detail or question and did so in a timely fashion. Perhaps the best I can say of Jon is that as we approached the

end of the process I had absolute confidence in anything and everything Jon represented.

As you know credibility is a key aspect in any business dealing, Jon had my absolute confidence as we proceeded through the process.

I believe your organization is fortunate to have Jon representing you, he did so exceptionally well.

Best Regards,

I just want to THANK YOU for taking time to see if it was beneficial for me to Refinance. You were the first person to take the time to see exactly what type of loans I had on my house... I definitely would recommend your services to my friends or co-workers.


Looks like the loan has closed and all is well. I want to thank you for all your hard work in making this loan happen. You did a great job at all levels to make us feel fine as we went threw a very volatile loan market.

I will be recommending you and your company, to my friends as an excellent place to get a loan.

Thanks again,

My wife and I recently completed our second refinance with Lenox Financial working with Ben Cox as our advisor. Initially, when I was looking for a refinance, I was intrigued with the radio ads I was hearing with Jon Shibley. I felt there had to be a “catch” and if it was too good to be true, then it probably was. I started the process and presented the paperwork to a friend of ours who was a mortgage broker. She reviewed the deal and told us to go with Lennox as she could not equal this deal. So when rates went down another percent, we did it again. Yeah, no closing costs. I don’t know if Lenox is a best kept secret or not, but I’m referring my friends and family.


To address the three things below, I believe that in all cases (2 different properties with loans, with 3 refinances a piece), the following comments apply to all of the closings. In each and every case, the initial good faith estimate was accurate. I didn’t feel there was any kind of bait and switch. I think the best example of service with you is with the loan we had where you were having challenges with the lender approving the loan. Even though it happened very late in the process, you took the loan to another lender, and did all the legwork necessary, and delivered the same terms (even though the market had moved higher and that cost you.) Other lenders or mortgage brokers wouldn’t have gone out of their way to do this – they simply wouldn’t have delivered and
left me holding the bag (which would have cost me many, many thousands of dollars.) You have been proactive in contacting me when rates do drop, and answering all the questions through the process.

I also think back to our first conversation when I was initially very skeptical that it was truly “no cost.” Others (ESPECIALLY real estate agents) had said that “no cost” doesn’t really mean “no cost.” But in your case, as near as I can tell, it does. You were willing to take the time to explain the business model, and once I understood how you made money and what your motivation was, I realized that it was a win-win situation. That conversation, and then the execution on the first couple of loans, is what really sold me.

I’ve compared rates with other lenders periodically, and believe your rates are competitive. There are some lenders that may be below you in terms of rates, costs, etc., but many are above. However, you keep the legwork on my side of things to a minimum, which I appreciate.

The only real problems that I have ever had were with the closing companies – forms not quite correct, unexpected ID requirements – but not with you at all.

I would recommend me to friends and family members, but unfortunately, none of them are buying houses, and they all have loans that are below today’s markets. :)

The closing went fine last night. We met with Tiffany and she said she has done a number of your closings. Some the 2nd time around. As I stated, I am interested in hearing back from you when rates drop......we'll do it again!

Appreciate you discussing with me the funds, as it settled some last-minute nervousness.

Thanks again.

You can quote me as a very satisfied customer! You have been a pleasure to work with as well. Not that I have that many loans under my belt, but this was the easiest thus far! Thanks for accommodating my crazy work schedule.

This was the easiest refi I have ever done. You guys are great!

I've heard the ads for a long time and decided to call. The rep I spoke to was very honest and helpful. He reiterated what info was in the ads, and we determined that our current situation was good and that he couldn't improve our loan. I was extremely grateful for his honest insight and the time he took to speak with me. If my situation changes in the future I would not hesitate to call again.

Thank you so much!

I really did not think I would hear from you. Sorry I am so used to people saying that and not follow up. I look forward to future transactions with you and Lenox.


Thanks again for all your help. You do a great job; much better than most if not all.

Mr. Shibley:

I heard recently on a news report that you put up $20,000 as a reward for the safe return of Alan Armstong’s wife’s wedding rings. In an era where employers are desperate to increase their bottom line I find it extremely noble of you to invest in your employee’s well-being.

My best to you and my sympathies to Mr. Armstrong.

Best Regards,

Thank you so much for your assistance in re-financing our home. We had a great experience from start to finish - everything went very smooth. Thanks again and we look forward to working with you in the future.

Mr. Shibley:

I have listened to your commercials for several years and I have referred several friends to your company, without any involvement in the deals. I consider your straight forward/honest approach to the mortgage business to so refreshing that I intend to continue to do so.

I caught you on CNN’s ‘Mortgage Meltdown’ show this past weekend. You were outstanding and straight forward there, as well.

Thank you so much for doing what you do!

G. D. Stanford, CCIM
Principal Consultant

"Many Thanks" again Scott for working so quickly... I told my kids about you the last few nights and how you are working so hard to save our home and Nick, my 11 year old said, "I hope he helps you daddy"...


I closed yesterday afternoon. Everything was smooth. Thanks for all your help. Hopefully, we'll be talking again in 120 days!

Gentlemen, just wanted to contact you to let you know that I just completed a home refi with Lenox through Wayne Leistra. I want you both to know that Wayne was absolutely fantastic. And I mean fantastic from start to finish!!! I have been in sales most of my life and I can't tell you the inadequacies that I encounter on a daily basis. So when I do business with someone at Wayne's caliber, it is very noticeable that there are great people out there. I just don't see that type of passion, commitment, and extreme knowledge that Wayne possesses. I wish that my everyday business dealings were like that with everyone but since their not, I just wanted to let you both know that it's great to be part of Wayne's World. Keep up the success. Also keep those commercials on the radio. Some weird way they are very motivational. I love listening to them. I wish you all continued success in the future and can't wait to work with Wayne again!!


As always your assistance has been great with the refinance. We were pleased with the signing in our home. It made the process very smooth and less stressful. Thank you for explaining the tax release form. It is amazing to me to see the amount of problems that 9-11 has caused.

Thanks for everything. I hope that you have a great week. We look forward to the next time, should the rates drop enough to make a real difference.

Hello Jon,

I heard you talking about a special SCUBA program for disabled vets on a local station here in the Pacific N.W..

As a disabled VN Vet and former diver, I wanted to pass on a hearty THANKS for taking the time and resources to let others know how they can help disabled vets.

I really enjoy your ads--wish we had more straight-talking, good-hearted folks like you. Hope this message gets to you.


Dennis & Ling

Camano Island, WA

P.S. We're selling our little home here and plan to move to the Central East Coast of Florida. If we need to borrow a little extra for our new home--Lenox Financial will be on the top of the list.

I’m sitting here still processing what you just told me. Locked in at 5.875 with a no cost close. I’m stunned and extremely grateful that you decided to pass that along to me because you really didn’t have to. You’ve got my word that I’ll tell everyone I know about the deal (of course the rate can’t be guaranteed) and give them your contact info.

I also just got off the phone with my new Home Owner’s Insurance provider and that is going to drop from $4700 a year to $2095. I’m going from a $1000 to $2500 deductible, but it is still unbelievable.

Thanks to you, I’ve never saved so much money in one day in my life.

You made my day... thank you!

Everything at closing went smooth. I knew my instincts were good! I want to personally thank you for all your efforts and hard work. I am especially happy about the interest rate you got for me. I will be in touch soon.

Again thank you very, very much. I look forward to doing business with you and your company in the near future.

I just wanted to thanks a lot for all your help with our loan. Everything seems to have gone very smoothly. This was certainly the easiest process we've even gone through as far as financing and I look forward to doing business with you again in the future.

With thanks,

Dear Erika.

Thank you so much for your help during the home buying process. Had it not been for you and your in-depth knowledge of the process, I don't think I would have followed through with it. You answered all of my questions whether they were mortgage related or not and you were extremely patient. I have already and will continue in the future to recommend you to any of my friends who are interested in applying for a mortgage.

Thank you for your help.


I have been hearing your commercials on WSB Radio (Atlanta) for quite a while now but really had no plans to refinance. Out of the blue, my current lender called me and said they had a deal for me. After talking with them, I suddenly was inundated with dozens of calls from various organizations saying that I qualified for a special deal…I felt like a cow being herded through the coral on my way to the butcher. The offer my current lender had made sounded attractive but I’m not the most educated man on the subject of refinancing so I remembered your radio ad and called. I talked with a gentleman named John Heath. I told him the rate and the deal that I had been offered. He spent some time working some numbers and, by the end of the day, told me that he didn’t think he could honestly beat the deal I had been offered. This was a little disappointing because I thought you guys might have a better deal up your sleeve but, on the other hand, it was very refreshing to feel like I was actually treated as a person and not railroaded into something that would take a lot of time and end up saving me nothing.

Thank you for your professionalism and honesty.