Amir Syed – Perl Mortgage

Amir and Team Amir from Perl Mortgage are the best in the biz! They helped us through every step of the way during our first time purchasing a home. They provide you with many options to contact them, and proved to be very responsive to any and all questions we had (and as first time buyers, we had a lot). In addition, they’ve been very helpful in answering questions that have popped up even months after we closed. They made us feel extremely comfortable during what was without a doubt one of the biggest decisions and purchases of our life. Thanks to Amir and Perl mortgage, our home buying process proved to be a very easy and timely deal.

Excellent team. Timely approvals, very responsive to emails, phone communication. Got me a much better rate than I had hoped for, closing costs were lower than estimated actually. I was on a time crunch from the date of contract till closing date, but they were able to get clear to close with days left.
Closing was on time too, no delays or rescheduling
Very happy with Amir Syeds team at PERL mortgage.

As first time home-​buyers we were a little overwhelmed by the information out there. Everyone seems to be giving you ‘advice’ and what you should do. From day 1 with Perl we felt at ease. Amir met with me on a Saturday (since that is the only day that my work schedule allowed) and walked through the process with us. Answered and simplified any questions we had so that we would be able to understand it better. This was all before we gave them any single piece of personal & financial information. Amir felt that it was important for us to know the people who would be looking at all of our info!
During the long 8 month process of trying to find a home, I emailed (poor Brian) each potential home to ensure it was with-​in our ideal monthly payment (taxes, fees) included! Always willing to help and make it easy on us. Never made us feel like we were bothering them or just asking stupid things. They worked so hard to make our dream home purchase possible! I highly recommend Amir & his team!
THANK YOU!

Despite a few setbacks throughout the process. Amir and Brian were stand-​up guys who ultimately cared alot about the quality of their work and getting the deal closed for us.

Amir and his group are amazing to work with. They are high energy, focused and very professional! If you’re looking for a lender that will do everything possible to get you to closing call them!

I have nothing but good things to say about the Amir. I contacted him several months ago based on the reviews I had read. He has continued to follow up with me and track my progress trying to get a new refi. Give him a try if you’re looking to get a mortgage.

Creative problem solving from Amir and his team. Thank you for helping my purchase my condo!

I’ve been sitting on this review for a while because I was pretty frustrated during the process and around closing. A few other reviewers seemed to have had some of the same issues as us, namely an aggressive sales pitch — and expecting oral agreement– without producing an itemized fee worksheet in advance and the «left hand not knowing what the right hand is doing».
The main thing was that we ended up closing late, and when I expressed disappointment about this to PERL, I got a «we warned you this might happen» and «sorry you feel that way». We got 3 different answers for why our file was late depending who was asking whom. Why did the answer keep changing? No idea. Brian on Amir’s staff did apologize to me on the phone, but again the reason for the delay kept changing.
Closing would have been an opportunity to apologize/​clarify the situation in person, but that did not happen. Instead, realtor attorney and lender talked about how Mexico is a wonderful vacation destination while my co-​borrower and I twiddled our thumbs. Why even bother showing up? In my opinion, congratulatory champagne is not a sufficient substitute for customer interaction, and to me it borders on insensitive when my personal frustration is not acknowledged, but I’m presented with a «gift».
T L D R: They are disorganized and make excuses that border on blaming the customer when they do not meet expectations they themselves set early on. The expectation is that you will be treated like a human who wants to buy a house, but I felt like a bank account sponsoring vacations to Mexico. We got a great deal mortgage deal, I will give them that.

I have been anxious to write this review, but felt it was best to write it once they moved my mortgage, which didn’t take long. I am giving Team Amir 1 star, partially because I have to and because we actually closed on the house — thank goodness.
Short & sweet version: We put an offer on the house in November 2014 and was set to close March 12, 2015. Should be more than enough time right? TWO days before closing, we are told they can’t honor the interest rate I was told, which they eventually resolved. And then also told me we couldn’t close on time — which they initially tried to say it was my fault, but wasn’t with valid proof and some personal research. Extremely stressful things you don’t want to deal with the week of closing and scheduling movers & cleaners.
Long version: I came into Perl/​Team Amir feeling pretty confident since he was recommended by someone, and from the first meeting with Amir — he was very warm, welcoming, thorough and gave us a whole spiel on how we are like family and wants to grow this relationship with us… and we believed it. We started the loan process, and quickly felt very confident about «Team Amir.» We find the perfect home, we put in an offer in November 2014. There was a lot of back and forth negotiating with the sellers but we settled on a date early January of a closing date of March 12, 2015. Understandably, since we had plenty of time before closing we had not heard anything from Perl, (even though they emphasized how they provided weekly updates — I had ONE weekly update throughout working with them). We were then told by a friend that another lender has extremely low rates, so we looked into this & requested it in writing so that we could bring this up to Amir. The second I mentioned it to Amir, he got extremely assertive, and completely lost his cool for part of the conversation. If he had let me finish my entire thought, I was trying to explain that we only got it on paper so that it was legit information we were providing him hoping he could match it. He bashed on the lender and offered us a lower interest rate, but not lower than the other lender. For ¹⁄₈ of a percentage, we decided it wasn’t worth switching lenders. Weeks go by and we quickly approach our closing date, which I reached out to Perl because it was making me nervous I haven’t heard from them. I am told everything is going smoothly. Less than a week before closing I am getting insurance all settled with Perl to find out my last name is still under my maiden name (which I informed them late January about the change), so I asked about it and she requests some paperwork. Moving along, two days before closing I am casually told, «I don’t think we can give you that rate we told you» — SERIOUSLY?! I quickly told my attorney and he informed them that I must be honored that rate. Apparently, this also wasn’t the first time they have tried to pull this on someone. Supposedly, these issues arose because Amir was out of the country. Anyways, after that cleared up, I was told that we might not close on time because I submitted my name change so late in the game. I was told I should have told them sooner and all this crap. And that none of my recent paperwork had my married name on it. Pretty much any excuse they could think of. I quickly proved them wrong after she was able to pull up an email in late January where I stated that I changed my name and also my paystubs had my married name on it. They then tried to blame it on the change of interest rate, again not my fault. Then, on the day of closing, we are told that we can’t be credited from seller side because of the way it was done — more BS, so we had to work around it and figure out how to resolve this on the spot. *Always have a good attorney!!!* This may all seem like minor stuff, I understand closings get delayed, but usually it’s because something was in question — it shouldn’t be because your lender wasn’t on top of things. Also, the whole «you are family» rubbed me the wrong way since we definitely were treated far from family and Perl took so much pride in their work, but I saw no reason for it. After we closed, I was expecting to hear something from Perl — specifically Amir — maybe a thank you for your business and an apology for all the chaos, but never heard from them again.

Anyone looking for a mortgage broker should give Perl a serious look. Amir and his team provide thorough, responsive, and trustworthy services. My wife and I were first time homebuyers, and the Perl folks helped us in the process with very specific explanations about what documents they needed from me. They were also very responsive — rarely did a day pass without my emails answered. Finally, they showed extra diligence on my behalf, as they eventually got me a better rate than they initially said I could get.
The one serious complaint I had with Amir’s team was that sometimes the right had didn’t know what the left hand had done. Once I was asked for documents I’d provided two days ago, and other times team members (other than Amir) gave me conflicting instructions. To his credit, when I pointed out this issue to Amir himself, he listened well and said he’s heard similar issues and had a specific plan to address them.

Working with Perl Mortgage to buy my condo was a great experience. As a first time home buyer, Amir and his team were so helpful, patient, and informative. There was a hiccup during the process, and they were there every step of the way to answer questions and represent me on my behalf. Even after the whole process was complete, Amir and his team still is helpful in answering my questions!

Amir and his team did a great job in making my first mortgage process essentially painless. As a first-​time buyer, he took the time to review with me the reality that I had to work with. They’re responsive and are people who are willing to work competitively, hard, and away from the office to earn your trust and business. I will definitely recommend him to anyone that I know is interested in home buying.

This review is a bit delayed, but we worked with Amir and his team on financing for our condo purchase this past spring. Amir’s team was courteous, friendly and prompt in their responses and, most importantly, they helped get the deal done on time. Being a deal lawyer by trade, I was impressed by how smoothly this operation ran. Amir even took the time to stop by our closing with a gift and to check in to ensure everything was in order, which was not necessary but much appreciated. We were quite happy with our experience with Amir, and would certainly look to him and the PERL team for financing again in the future.

I purchased my first home without a real estate agent, so I really needed a little extra help. Perl walked me through everything and we had no issues whatsoever. Add to it that 8 months later, they called me up out of the blue and helped me get a no cost refinance that shaved ⁵⁄₈ off my interest rates. I have been very happy working with Amir and his team!

I wish every business I work with had someone like Amir and his team behind it. They are what other businesses should be modeled after.
They take their time to understand your needs and don’t do a «one size fits all» type of approach when it comes to mortgages. They understand that everybody is coming in with different needs, different wants and they need to customize the experience around them.
I always have questions about mortgages and financing different types of real estate… first call is always Amir. Actually my only call. I trust him and will always do business with him. After reading his other reviews it’s pretty clear he treats everyone the same way as me. A true diamond in the rough!

Amir and his team were extremely professional and prompt in responding to all my questions and concerns. This was my first condo purchase and if there is ever another I will not hesitate to go back to Amir. I barely knew what I was getting into but everything was explained to me thoroughly and we closed on the projected date with no problems.
Thanks again Amir and team!

Amir helped secure a mortgage for my first home purchase. He is professional, reliable, and accountable. He and his team took responsibility throughout the process of loan approval and did everything they could to get us approved in time for our closing, even working around the IRS shutdown. Our sellers were reassured to hear that Amir and Perl we’re backing our mortgage. I’d definitely go back to Amir again.

I am so glad we worked with Amir and his team! He happened to be the person invited by Redfin to explain mortgages at the Redfin home buying class we attended. We had just begun working with him when we found our dream house. He moved quickly without overlooking any detail. Throughout the process his team touched base with us to let us know how everything was going. They made a nerve wracking process much less so. Amir and his team are great. I’m glad we’ll have them going forward. Amir and his team are professionals that genuinely care about their clients’ concerns and understanding mortgages throughout the process. They are quick to answer questions and even offered top notch recommendations for related services.

I can not say enough good things about Amir and his team. It was such a night and day difference from my previous experience acquiring a mortgage directly through Bank of America.
Amir made it incredibly easy and gave great advise that wound up saving us a ton of money. I will absolutely use Amir again the next time we make a purchase.

Our financial advisor sent us to Amir after a disastrous refinance experience with one of the big banks that dragged on for months and months. We were one of many, many customers and it showed in the service we received.
Amir and his team were fantastic to work with. They were very attentive and responded very quickly to all of our questions. His team was in constant communication with us throughout the process. Before Amir agreed to proceed with our refinance he worked with us and an appraiser to help increase the value of our home. The appraisal we received from the big bank grossly underestimated the value of our home. From start to finish our refinance was complete within a month and my husband and I couldn’t be happier. We will NEVER go through a big bank again.