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Home Buying Tips In Royal Oak Michigan

Mortgage Points 101: What Is It and How Can It Cut Your Interest?

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Home Buying Tips In Royal Oak Michigan

Many people dream of purchasing homes upfront, but the steep prices leave most homebuyers with loan options as the next best option. Shopping around for the best interest rates can be tricky since every shopper is unique, but there are ways to reduce your rate and ease your monthly mortgage payments.

Know exactly what you can afford before you search for homes.Today's Mortgage Rates

One of the best ways to do so is to buy mortgage points, which are a form of discount that you pay a lender to lower your interest rate. It seems counterintuitive to spend money to cut your total fees, but it can be worth taking for those who need to pay off high mortgage rates for years to come.

How Do Mortgage Points Work?

These points serve as a percentage of your loan amount, reaching one percent for every point. This means every $100,000 will take away $1,000 per point, though the cost will only be worth it if you are able to pay off a mortgage point beyond one percent. When mortgage points are right for you, it can result in the following benefits:

Benefit #1: Reduce Total Cost. Mortgage points can lower your interest rate, which can save you thousands of dollars throughout the course of your loan. This makes it significantly easier to pay off your monthly mortgage for many years.

Benefit #2: Leverage Tax Benefits. Getting mortgage points primarily focuses on easing your loan payments, but it can also improve your tax situation by using it as a deductible to your home mortgage interest. This means you can deduct the points you pay on a mortgage, allowing you to pay less for the points and save more money in the long run.

When is it Right to Pay for Mortgage Points?

Even if the mortgage points can significantly lower your mortgage rate, keep in mind that not all have the lump-sum payment to cover the cost of a discount. One percent off can already reach thousands of dollars, so it’s not a wise choice for people who cannot afford it and only have a few years off to pay for the loan.

The longer the loan, the better choice a mortgage point becomes since it builds its value through time. It’s also the right choice for those who have collected enough home equity to cover the higher costs, allowing you to leverage mortgage points without paying out of pocket.

The Bottom Line: The Impact of Mortgage Points on Your Interest Costs and Other Fees

Seeing as you need to spend upfront fees to slash your interest costs, it’s worth considering whether you will benefit from mortgage points. It’s not a money-saving choice for everyone, but it is an economical approach for homeowners who are paying off loans for the next 15 to 30 years.

Why Choose Mortgage City?

We’re a licensed mortgage originator in Detroit, Michigan, that strives to help people turn their dream homes into reality. With our client-centric and tailored loan services, we can help you reach your financial goals and boost your mortgage points. Call us today at (248) 930-8709!

Know exactly what you can afford before you search for homes.Today's Mortgage Rates

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Mortgage City NMLS #2007168. All information contained herein is for informational purposes only and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies subject to change without notice. This is not an offer to extend credit or commitment to lend. Although and subject to underwriting approval. Some products may not be available in all states and restrictions apply.

Ryan Du T.
Ryan Du T.
22:31 29 Oct 24
Highly recommend Jared. He provided great service and rates.
Michael H.
Michael H.
22:39 12 Oct 24
Alex Foster is an amazing mortgage broker! He was always available to answer questions and discuss mortgage details and rates whenever we asked. As we moved through the mortgage process he worked diligently to ensure everything was done on time with nothing missed. Alex always made sure we knew what our options were and that we got the best rate and mortgage plan for our situation. I can not express how thankful I was that we had mortgage city looking out for us during our home buying process. Would recommend them to anyone looking to buy their next home.
Viktor A.
Viktor A.
13:31 01 Oct 24
We recently worked with Mortgage City to secure a mortgage for our home, and I cannot recommend them highly enough. From start to finish, the entire process was smooth, transparent, and stress-free.The team was highly knowledgeable and professional. They took the time to explain all the details, answered every question I had, and made sure I was fully comfortable with my mortgage terms.Their customer service was exceptional. I felt valued and respected throughout the process. They were always responsive to my emails and calls, making me feel like a priority. They went above and beyond to ensure I was happy with the outcome.One thing that stood out was how efficient they were. The approval process was fast, and they kept me updated at every step. I never had to chase for updates, which made a typically stressful process much more manageable.If you’re looking for a mortgage agency that combines professionalism, efficiency, and outstanding customer service, look no further than Mortgage City. I am incredibly grateful for their help and would recommend them to anyone in need of mortgage services.Thank you Alex and Mortgage City team
Angie “Dontstopbelieving77” W.
Angie “Dontstopbelieving77” W.
18:22 23 Sep 24
Jared Lincoln. It's hard to sum up my appreciation for him in one small review. He is someone you want on your team. Dependable, reliable, personable, and always very quick to respond. He definetly treats you like a person and not a number or transaction. I would strongly recommend working with him.
Gage B.
Gage B.
13:10 13 Sep 24
It was a pleasure working with Alex Foster! Helped me buy my first house. Explained things very well and got us the best possible rate!
Edward P.
Edward P.
05:55 14 Jul 24
I want to give high praise to Gared, he is so easy to work with and not pushy. Gared made time for me when ever I texted him or called him. I will recommend him to anyone I know who is looking to buy a house or refinance. Thank you again to Gared and his team!!
nathan
nathan
18:41 04 Jun 24
Alex is wonderful to work with! Great at his job, but an even better person!
Jordan T.
Jordan T.
21:38 25 May 24
I worked with Alex Foster to get my deal done this past month. The entire process was smooth, his communication was outstanding, and I’ll definitely be using him/Mortgage City again in the future. High recommend!
Sarah S.
Sarah S.
19:25 13 May 24
Toph S.
Toph S.
16:50 13 May 24
Terrific guys & made the process easy and convenient. I will be going back to them if the need arises and recommending friends and family!
Maribel M.
Maribel M.
16:02 03 May 24
You definitely want to with Alex he’s a professional lender who care so much for his clients. My experience working with him has been excellent in all aspects in the transaction!
Michelle A.
Michelle A.
19:51 05 Sep 23
Jared has been great. Anytime I needed to make an offer in this competitive market, he was always there and willing to get us quotes, offer letters, whatever it took and anytime of day and or weekend. Incredibly professional and always helpful!. Thank you, again, Jared! You’ve been a blessing to work with!
ethan M.
ethan M.
15:45 27 Aug 23
We used Jared Lincoln at Mortgage city for our mortgage. He was knowledgeable, professional and even at times our biggest fan! Our new construction was complex but Jared took great care of us! Thank You!
Lara G.
Lara G.
00:23 18 Aug 23
We worked with Jared, the owner, for our first home buying experience and it couldn't have been easier. At the start, I appreciated that the application process was done all online through a specific portal - it felt safer than other ways of submitting sensitive information that we experienced while exploring other broker options. Jared made us feel like we were his only client as he always made himself available for calls, questions, writing up letters, and submitting documentation in record time. My favorite thing about the experience, though - and about Jared as a professional - was when we explored an option with another broker that seemed like it was going to save us loads of money. Jared was honest and supportive in saying the quote seemed like an amazing deal while remaining completely professional, letting us know that if anything changed, he'd love to still help us. Well, of course, it was too good to be true and we were sorry that we ever strayed! He welcomed us back with open arms and continued to go above and beyond. He even helped recommend a realtor who was great and we ended up sticking with (Trish Woodard) and they worked seamlessly together. He also recommended an insurance broker (Jenna Dado) who helped us save loads of money too! So, pretty much, if you need anything, just go to Jared!
Madelaine R.
Madelaine R.
20:30 12 Aug 23
Jared from Mortgage City was awesome to work with as a first time home buyer! He really walked us through the process and took care of us every step of the way. Highly recommend using Mortgage City as your lender!!
Matthew C.
Matthew C.
14:28 11 Aug 23
Jared was great. Everything went smooth and he can be trusted.
Justin N.
Justin N.
14:00 11 Aug 23
Loved working with Jared and Mortgage City for our first home! Jared did a great job explaining each step of the process and was always available to answer any questions that we had. Highly recommend the guys at Mortgage City!
Jim K.
Jim K.
16:54 06 Jul 23
Working with Mortgage City and Alex for a home loan was a smooth and easy experience. I will definitely be using them again when it comes time to refinance.
MaLisa O.
MaLisa O.
08:10 25 Jun 23
Jared Lincoln helped make a dream come true for me. First time home ownership! Jared went above and beyond for me. Always quick to answer any questions I had, and get things in motion that were important. Enthusiastic, and positive with making it happen through the whole process. I totally felt like family!
Janell M.
Janell M.
09:31 24 Jun 23
There is a reason Mortgage City has 5 stars across the board. I am very pleased with my experience with Alex! There is nothing I would change. Thank you for the Realtor recommendation and for helping get me into my condo! Teamwork makes the dream work!
Don A.
Don A.
14:17 09 Mar 23
Good service. Clean and concise.
Michael P.
Michael P.
00:11 19 Oct 22
Great guy ! Lots of options !!
Melissa G.
Melissa G.
13:20 17 Oct 22
Alex and his team did a great job helping me find a mortgage with the lowest interest rate during unstable times in rates. Being a first time homebuyer- Alex and his team took care of things for me that I didn’t know to ask for, and I couldn’t be more grateful! Offer to close in less than a month and it was smooth sailing! Thanks so much Alex!
Thomas N.
Thomas N.
13:19 05 Oct 22
I really cannot recommend Mortgage City, specifically Jared, enough! Jared basically led the process through a tricky(to me at least) refinance process and every step of the way was gracious, patient and kind. It was truly a pleasure working with Jared and I can highly recommend Jared and Mortgage City for your financing needs!
Brandon F.
Brandon F.
14:37 01 Oct 22
Jared and his team is the absolute best. He is extremely professional, thorough and a master at his job. He works efficiently and goes above and beyond for his clients. I have been in the market for 3 years and Jared made it possible for me to purchase my first home. He provided me knowledge and answered any question or concern that I may have had. He was a pleasure and my wife and I are extremely grateful that we had such an amazing mortgage broker to guide us through this process of buying our first home! I will be recommending Jared and Mortgage City to anyone who has interest in buying a home. Mortgage City feels like family!
Melissa W.
Melissa W.
15:21 26 Sep 22
Alex was amazing to work with, he was prompt in his responses and understood we were on a time crunch to get a house. He explained things to me without making me feel like I was stupid ( being a first time home buyer). He was able to have us closed in 2 weeks.
Nicholas G.
Nicholas G.
21:25 05 Sep 22
So let me brag about Alex Foster & the Mortgage City team. I'm a small business owner; that being said, for guys like me getting a mortgage is not easy to say the least. We're scrutinized on a different level than an W2 employee. I also had tax issues to solve and a whole load of other problems to figure out. I was at the final hour of getting my young family into a home. I was at the end of my rope trying to pull forward at the time I met Alex. I decided to see if Alex could work any magic in my dire situation. I'm telling you I had 20 days left on my lease and did NOT want to rent another house. Once I stated working with Mortgage City I had HOURLY updates that just radiated positivity. Alex showed me we could do this. We worked through each and every hurdle that such a process entails, this man build the most creative solutions to every issue that needed addressed and did it on such a personal level. Once we officially started the process and pulled credit, Alex got my clear to close in 9 DAYS. I was absolutely blessed to find Alex when I did. I'm writing this review now from my dream home In Clarkston sitting on 5 acres of property. I'm telling all of you, for your next home you have to put Alex Foster & Mortgage City at the top of your list If I can make it through this process and be successful anyone can, you just need the right team to get you there.
Mike K.
Mike K.
14:15 03 Sep 22
Jared was great to work with, he helped us hit a quick closing timeline and was very organized with all of the steps of getting a home loan. He was so helpful with an out of state loan. Jared made the hole process easy and stress free, thank you so much for helping us with our new home!
Sydney B.
Sydney B.
13:34 03 Sep 22
Jared helped us get the most competitive rate, saved us a lot and was transparent and helpful through the whole process. Everyone told us that our closing timeline was too tight but he was so efficient we actually moved it up a few days.
Martin “Marco” S.
Martin “Marco” S.
16:24 19 Aug 22
Alex is very professional! Also his communication skills and educating my clients through the home buying process is what separate him from other lenders in the industry. Thank you for all your hard work!! Look forward to the next deal!!
Morgan M.
Morgan M.
17:28 09 Aug 22
TC C.
TC C.
17:20 03 Aug 22
Everything went along very well! We are happy to be new home owners.
Lori X.
Lori X.
16:23 03 Aug 22
First time home buyer, and Jared took care of every single nuts and bolts for us from the very first day we approached to him to the closing day! Awesome experience with his professionalism, responsiveness, and enthusiasm! 1000% recommend!
Lameka G.
Lameka G.
10:28 25 Jul 22
Amazing services provided with a time limit on my end. Jared worked daily and kept communication open throughout the process. Loan Approved and closed on my home within 40 days. Didn’t know this was possible but this man made it happen. Thank you so much. 10/10 ratings.
Greg B
Greg B
00:56 21 Jul 22
First time home buyer here and Jared couldn't have made it easier and more stress free! Any questions or concerns I had, he was able to help right away. Very much recommend Mortgage City to everyone!
Aaron T.
Aaron T.
16:08 12 Jul 22
Mortgage City is one of a kind. I felt Jared truly had our best interest at heart and he never missed a beat during our home search. He was right there with us the whole way and any numbers or updates he could provide us with he did. I will recommend all my family and friends to Jared and Mortgage City. Thank you… thank you… thank you!!!!
Zack
Zack
15:59 12 Jul 22
Alex was great. He works super fast and he and the team made things run smooth.
Carlette M.
Carlette M.
15:49 13 Jun 22
Awesome experience from the beginning of my loan approval process to my closing day. Very professional, knowledgeable, and devoted to meet their clients needs. Highly recommend to friends, family and anyone looking for great loan options.
Anthony B.
Anthony B.
12:46 06 Jun 22
Worked with Jared he was excellent! Same-day pre-approval helped with any questions and every aspect of the lending process, he doesn't just keep Banker hours and was available anytime I called.
Baylie F.
Baylie F.
02:14 02 Jun 22
Alex was amazing to work with! Extremely professional, quick to respond, and definitely knows his stuff! He made everything go so smoothly! Highly recommend!
Curt M.
Curt M.
18:24 31 May 22
After many challenging years of working with Mortgage Brokers, I have finally found someone who provides impeccable support, is authentic, honest and was relentless in their advocacy for me with a variety of stakeholders. I hold Alex Foster in the highest regard and I still thank my friend for the referral to him. (I was moving to Michigan cold, with no contacts). This guy is best of the best.
Troy M.
Troy M.
23:58 26 May 22
First time buyer. Alex and his team were always available and extremely knowledgeable. Couldn’t have asked for an easier process or a better outcome. 5 stars for Mortgage City all the way.Thank you! Thank you! Thank you!
Nathan L.
Nathan L.
22:24 25 May 22
My family and I had the pleasure of working with Alex Foster! Alex is a family friend of ours from way back, and we couldn’t appreciate his knowledge and expertise more. So thankful for his help in purchasing our dream home!
Andrew Q.
Andrew Q.
18:27 19 May 22
Alex was absolutely incredible! We were closing on a new construction home down in Florida which meant a long time under contract and a million moving pieces. Without him, we would not have been able to close! Our seller, title company, and builders (DR Horton) get 0/5 stars, and dragged their feet whenever they could. Alex was a bulldog when need be to those on the other side of the table, while also proving he had our best interests at heart. He was always available over the phone, and not only took care of everything with the seller, but made time to teach me what he was doing when I asked, and ensure I was comfortable throughout the entire process. Again, we could not have closed without him. I would give him the highest recommendation to anybody and everybody that asks.
nicole B.
nicole B.
17:34 19 May 22
My husband and I just bought our first home. Jared made it so easy for us to navigate. Very professional and always available when we had any questions or concerns. He took care of everything for us. Highly recommend Mortgage City!
Michael M.
Michael M.
16:08 13 May 22
These guys are true pros at making the homebuying process as easy and stress free as possible. Great communication the whole way through. Couldn't recommend them more!
Benjamin K.
Benjamin K.
17:52 27 Apr 22
I would like to give a big shout out to Alex Foster at Mortgage City!! He was always available to help us during the whole process of buying our first home!l He was patient and always had the answer to our questions!
Brandon R.
Brandon R.
20:33 30 Mar 22
Alex Foster and the professionals at Mortgage City are an absolute pleasure to work with, I highly recommend them to all of my friends and family!
Will K.
Will K.
23:32 28 Mar 22
Well educated group willing to walk you through the process from start to finish. Very quick response when I asked any questions and felt like my refinance was finished within a week.
J A
J A
01:52 08 Mar 22
Jared from Mortgage City was extremely helpful and answered all of my questions almost instantly throughout the entire process. I would highly recommend this company.
Nicole G.
Nicole G.
22:19 06 Mar 22
Thank you AJ for helping me through my first time buying a home. You were very knowledgeable and professional! There wasn't anything that you didn't make clear, and I would recommend you to anyone buying a home!
Danny S.
Danny S.
02:27 04 Mar 22
I worked with AJ and he was wonderful!! He was very quick to respond to any of my questions and always knew what to say! He was always super bubbly and friendly! Would definitely recommend!!!
Niahl S.
Niahl S.
00:58 02 Mar 22
Great experience here with Morgage city! Genevieve Elkins was my loan officer for my refi and she stayed extremely hands on with me and my account, from start to finish! I am an extremely busy person so havng her there to remind me of what I need and when I need it was very helpful, and you can tell she cares about finding the best plan/rate for you! PLUS being so busy, having them coordinate the closing at my office was huge for me.I am repaying my mortgage in 15 years instead of 30... with almost the same payment!
Shanna M.
Shanna M.
21:05 22 Feb 22
My husband and I would like to thank Jared for his professionalism.After being denied our original Loan with Michigan First Credit Union (two weeks to our closing date) we were referred to Jared at Mortgage City by our Realtor Carlos Turner. Jared was immensely thorough, prompt and had a structured means of communication which all played an essential and crucial role to our being able to get the approval on the same home and we were still able to close within the original closing date!! We are tremendously grateful for Jared’s proficiency!!Without a doubt, we would recommend Mortgage City to anyone who wants to do business with a company that upholds qualities such as professionalization, expertise, dedication, skill, and competency. You will not regret it….the end results are very Gratifying!Thanks again for everything Jared !!
Brett Y.
Brett Y.
18:01 08 Feb 22
Alex and his team were all-stars with helping us out with the purchase of our new home. You want a top-notch organization, look no further!! Morgage City has you covered!!
Ben L.
Ben L.
02:51 29 Jan 22
Alex and his team are without a doubt the best in the business. Alex is always available no matter the day or time. He is always responsive and takes a hands on approach when dealing with clients. Furthermore, he is able to offer extremely competitive rates. Five stars all the way for Alex and his team!!
Tahki J.
Tahki J.
21:52 27 Jan 22
Genna and her team are extraordinary. So responsive, professional. It was very important to them that I had a good outcome. It was very personalized service and I have referred many close friends and family to her and her team.
Mark M.
Mark M.
15:11 27 Jan 22
This was the first experience of buying a home for me and my wife and the team at mortgage city made it an easy and great experience. We worked with Alex Foster and he was available at all times and answered any questions we had quickly and thoroughly. We couldn’t of had a better experience as first time home buyers and would recommend Alex and the team at Mortgage City to anyone looking for a professional and stress free home buying experience. Thank you for helping our family find our new home!
Russell F.
Russell F.
11:36 31 Dec 21
Jared is the real deal. Awesome communication and smooth process.
Frank S.
Frank S.
18:51 23 Dec 21
Jared was awesome! He is super knowledgeable, responsive, and kind.The process was quick and easy. Highly recommend Jared and Mortgage City.
April W.
April W.
22:28 14 Dec 21
Aj and his team did an outstanding job helping us with our mortgage. Aj had some great advice on different ways to handle our situation. Everything was handled so easily and he was always available to answer any questions or get us in touch with who could.
Ben K.
Ben K.
21:58 06 Dec 21
Absolutely loved working with Mortgage City. AJ Eid was the man. He made sure that everything was handled quickly, effectively and with the up most professionalism. AJ responded 24/7 nights and weekends just as quickly as during the weekdays. I started searching for a home and was unsure where to get my mortgage but Mortgage City was absolute top notch. I would highly recommend them to anyone.
Sue M.
Sue M.
15:38 26 Nov 21
AJ is very courteous, responsive, Professional and his follow up is exceptional. He was a tremendous help in getting us through the mortgage approval process.We definitely recommend him for your Motgage needs and look forward to working with him in the future.
Kris B.
Kris B.
23:15 10 Nov 21
I would highly recommend this mortgage company. Aj went above and beyond to help us. When a bigger broker gave up on us i turned to mortgage city and it was the best decision we made. I'm telling everyone i know who is thinking about buying a home or refinancing. I can't say enough good things about them.
Trina H.
Trina H.
14:11 21 Oct 21
To anyone looking for a mortgage company, I 1000% stan behind Mortgage City! Alex Foster, He is a GOD SEND! I swear he and his team made my home purchase a good experience, you will not regret choosing him. AND HIS RATES ARE TOP LINE!!!To Alex, i just want you to know how appreciative i am... I am at a loss for words. You have helped me make my dream come true... A home for my kids n grandkids. They way you looked out for me is just... God Bless you Alex may He bless you ABUNDANTLY!And one more thing before I go....THANK YOU FOR KELLY (KMS Processing)! She... Is AMAZING. She was just, omg, without her, i woulda went nuts. She made this major transition comfortable, she made me feel like I was family.Thank you...May both ur businesses burst with prosperity thru the Bounty of Jesus Christ...And to those purchasing a house, Happy HUNTING!!!!!With a very SINCERE HEART💙Trina Hughey
anneshia H.
anneshia H.
14:04 14 Oct 21
I had the pleasure of working with Chensea of Mortgage City and I’m so happy about it!! She went over and beyond for me and I did the same for her. She’s hands down the best LO I’ve worked with and plan on doing so in the future!
Dustin B.
Dustin B.
14:00 29 Sep 21
Jared was fantastic to work with and everything went very smoothly!
Shawn R.
Shawn R.
15:39 24 Sep 21
Jared, Alex and the rest of the team at Mortgage City were absolutely amazing! Cleared my purchase loan in 9 days! Easy, smooth process. Also sent me an amazing closing gift! Highly recommend Mortgage City for all of your mortgage needs!
Jill D.
Jill D.
13:49 09 Sep 21
Best refinancing experience! Alex found us a great deal and provided an incredibly easy and fast process. Hands down, light years better than our past experiences. Highly recommend!
A W.
A W.
22:53 01 Sep 21
I wanted to take the time to thank my broker, Alex Foster! His hard work, effort and time has given me the best rate possible while being diligent in answering/responding to all my first time homebuyer needs. I wouldn't have done it a different way!🙂His customer service, his attitude will continue to take him far and I see the reason he became a broker/owner in this field.Keep doing a great job, if I know others who would like to buy a home. I would refer them to Alex!!Thanks again and I look forward to working with you in the future.~Williams
Dwayne F.
Dwayne F.
17:42 30 Aug 21
Can't say enough about Genevieve Elkins and her team at Mortgage City. My refi was started and finished in 2 weeks without any hassles. I will be going back for all of my home loan needs to these guys! Highly recommend!!!
Melissa W.
Melissa W.
14:46 26 Aug 21
Jared was extremely professional, efficient, and really easy to work with! Would recommend 1000 times! Thank you Jared!
Stephanie F.
Stephanie F.
23:53 23 Aug 21
After working with several people who seemed to have very little interest in helping us work towards financing, Jared went above and beyond to help us make our dreams come true. He was able to explain everything to us, quickly responded to any questions and did alot of the leg work making the process as simple as possible. 20/10 would recommend!
Kelly F.
Kelly F.
01:55 21 Aug 21
Genna gave us a great rate and was super friendly! She was very communicative and easy to work with!
James G.
James G.
17:33 11 Aug 21
Great team with amazing communication who truly fight for their clients! I Highly recommend them.
Ana A.
Ana A.
21:14 10 Aug 21
Working with an excellent, caring, responsive Chensea! I truly appreciate her patience with me and I know she truly cares! That is important to me.
Teresa A
Teresa A
14:58 10 Aug 21
Genna was fantastic to work with and made the refinancing process a breeze. She is very friendly and knowledgeable and didn't over complicate things (which I appreciate). Wouldn't go anywhere else!
Christina D.
Christina D.
19:49 09 Aug 21
Dreams do come true! Genevieve Elkins is not only professional, but efficient! She did not waste any of our time by finding us the best percentage for our Refi! I highly recommend asking for Genevieve personally, but on a whole Mortgage City is a top notch mortgage company!!!
Corey E.
Corey E.
19:43 09 Aug 21
Genevieve is an excellent person to work with! She worked incredibly hard to make sure we got our mortgage done as efficiently as possible and at the best rate possible! I highly recommend Genevieve to all of my friends and family!
Linda Z.
Linda Z.
19:02 09 Aug 21
Genna Elkins was so amazing to work with! Not only was she personable, friendly, and caring, she was professional. She always made time for all of our questions and had our loan approved in no time! Our rate was even lower than what we expected it to be and she made sure everything was smooth sailing from start to finish. I highly recommend Genna Elkins for all your mortgage needs!
Amy W.
Amy W.
19:01 09 Aug 21
Hands down the finest group to work with. Their team provided us with the best deal we could have ever asked for. Genna from Mortgage City is an expert in her field and a true pleasure to work with. Thank you for saving us thousands of dollars!
Amber E.
Amber E.
15:15 06 Aug 21
HIGHLY RECOMMEND Mortgage City! Great experience all around. I worked with Bobby specifically and he was very helpful throughout the whole process. He made everything so easy and was quick to answering my questions and also with closing. Would recommend Mortgage City to anyone looking to buy or refinance their home!
Makenzie Wren Knue (.
Makenzie Wren Knue (.
14:18 29 Jul 21
I bought my home with Jared in December and couldn't be happier with the service I received. Their pricing was better than everyone else, he responded almost immediately every time I reached out, he explained everything to me at every step, and made the process actually enjoyable instead of stressful! 5 stars, two thumbs up, highly recommend.
Stevi E.
Stevi E.
17:41 28 Jul 21
Bobby was awesome during my Refinance! I was thinking about refinancing for quite some time, but wasn’t sure if I could with my grant from MSHDA. Bobby did so much leg work to get all the right information and got me a great deal that I couldn’t pass up. They made things so easy to send them info securely and even got my closing at a convenient time and place! I was approved and ready for close in under 2 weeks and ALL my questions were answered during the whole process!
Brady G.
Brady G.
17:55 27 Jul 21
Jared was very helpful starting at the beginning of the process when we needed a quick preapproval for an offer. He was able to get us a great mortgage rate and was available throughout the process to help with all questions.
Brandon J.
Brandon J.
12:31 26 May 21
Alex went above and beyond to answer any and all questions that I had promptly. Every step of the way he was on the ball. He was a very hard worker and was able to get us closed within the 30 day closing period. 10/10 would recommend
Matt B.
Matt B.
22:53 21 May 21
This guy Jared Lincoln from Mortgage City just gets it done. Highly knowledgeable, super easy to work with, and he’s available 24/7 to answer any and all questions. I would highly highly highly recommend working with him and in the future he will be my first and only call. I could not be more satisfied.
Dino G.
Dino G.
15:44 28 Apr 21
Jared was fantastic. I will be sending everyone to him.
Moe E.
Moe E.
14:21 23 Apr 21
Jared was VERY helpful throughout the whole refinancing process. He usually picked up when I called him. Called back within minutes when he didn’t. Answered all my texts immediately. Thank you Jared Lincoln! Thank you Mortgage City!
Kathleen B.
Kathleen B.
03:21 17 Apr 21
I'm so happy to be writing this review from my new dream home!! As a first time home buyer, Alex Foster made the process of getting my first mortgage quick, easy and as stress free as possible. He was quick to respond to ALL of my questions in an incredibly timely manner. I knew that if I needed anything, he would be right there with his knowledge and expertise to assist! I cannot say enough about how happy I was with him and his team, and the peace of mind they gave me through out the entire home buying process. I would 110% use his services again in the future, as well as recommend him to my closest friends and family. I felt as though he really got to know me and my situation, and really did everything he could to make sure I got the house of my dreams in a way that worked best for my pocket book as well!
Royal Oak T.
Royal Oak T.
11:47 08 Apr 21
Jared was very attentive and action oriented towards the needs of my mortgage. I never once had the hesitancy to just reach out and ask a stupid question because he was so open to helping me understand this unfamiliar process. My fiancé and I are so glad we worked with him & the Mortgage City team!!
Grant T.
Grant T.
00:12 16 Mar 21
Had the pleasure of working with Alex Foster and Jennifer Finn on my refi fast easy the communication was impeccable! I would have great confidence referring these pros! Thanks again for making it so easy!
James L.
James L.
20:15 04 Mar 21
Jared was a pleasure to work with. He was prompt, answered all my questions and moved the process along very quickly. I closed on my refi within two weeks after our initial conversation! Very Impressive. I highly recommend his services.
Ted H.
Ted H.
19:28 02 Mar 21
A very pleasant, professional and coherent experience with Genevieve Elkins in moving our refinance forward. Key was her willingness to stay in touch with the latest updates and other options available to us for best results. Cheers !
Brad T.
Brad T.
17:37 02 Mar 21
home buying is never easy, Alex and his team made this process truly enjoyable, no one else ever has
Samantha H.
Samantha H.
03:52 16 Feb 21
Absolutely 10/10. Jared was the best. Helped us out with everything we needed to buy our first home and he always responded right away with any questions we had. 😊 I highly recommend!
Kristine C.
Kristine C.
21:33 05 Feb 21
Working with Alex was an incredible experience. This was my first time buying a house so a lot of unknowns for me, but Alex always made sure to explain everything in an easy to understand manner. He was also very timely with his responses anytime I had a question. He fought to get me the approval I wanted and got it, also in a very timely manner! I can't recommend him enough! Thank you, Alex. I feel confident having you on my team for future purchases!
Rory L.
Rory L.
21:28 02 Feb 21
Mary Ann K.
Mary Ann K.
17:09 23 Jan 21
It was a pleasure working with Mortgage City. We were actually working with another company at first. We are so glad we choose to switch to Mortgage City. McKenzie sold us on her company and we loved the service and communication and updates. Although we also had Jennifer as our loan processor, and Jen was great, McKenzie never abandoned us and kept in touch to make sure things were progressing smoothly. Everyone was professional and honest and answered our questions. We had one hiccup and the company owner even called to apologize and made it up to us in a big way. We felt like they cared for us as people and we were not just another transaction. When my children buy their homes we will steer them to Mortgage City because they will be in good hands. I would definitely recommend Mortgage City to anyone looking to buy or refinance a home. They were upfront, honest and could be counted on. Five stars in my book!
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