Jim Pomposelli – Perl Mortgage

When I called Jim about getting a mortgage, I had a lot of questions. Jim was immediately responsive, answering my questions and providing insight into the current financial market. He was easy to reach and his entire team was very helpful. They made the mortgage application process as easy as possible and Jim was able to secure a great deal for my mortgage. I felt very comfortable working with Jim on obtaining my mortgage and I would work with him again.

Jim was an absolute pleasure to work with. We chose him because some friends had said good things about Perl Mortgage. Jim exceeded our expectations in every fashion. He was calm, thoughtful, responsive, and willing to work through the inevitable challenges in these situations. He went the extra mile to make sure we got the absolute best deal we could get and was with us every step of the way. And, he is responsive to texts, which is a huge plus. We will use Jim for every mortgage related need we have from this point forward. He is really outstanding and is a great and honest partner. Could not be happier with his service!

Mortgages are tough enough but when you do it from a differrent state it can be challenging. I have to say that Jim kept me informed all the way. His professionalism and knolwedge of the business is beyond expectations. He followed my loan step by step so I know what to expect and what he would need as far as my information. Thigs a done differently in California so he explained everything to me. I would recomend Jim to anyone searching for a loan

In 2013 we were moving back to the city from out of state, looking for a very particular kind of property in a very specific location. Let’s just say it was a complicated move, on multiple fronts. The place we found was a tricky foreclosure/​short-​sale mess, and we didn’t have room for error on the financing. Jim was absolutely masterful in getting things done (and quickly). As other reviewers have noted, he is extremely responsive and knowledgeable. When the short sale was finally approved and we had a very tight timeline to get our financing approved, Jim delivered! Not only that, he somehow made the horrible underwriting process and lending climate of late 2013 bearable and humane. We are so glad we had Jim on our team!

When it came time to talk to someone about financing our condo purchase I first went to one of the big banks. They were no help, and they couldn’t answer simple questions, or tell me that they would be able to close on time. After that «great» experience I turned to Unilocal to help find a mortgage broker. Jim at Perl Mortgage had amazing reviews, but they don’t do him justice.
Jim was quick to respond to every question I had no matter how ridiculous. I would send a message expecting to hear back in the morning, but I always heard back within an hour. Where else can you get service like that?
The seller was very slow to respond to questions and that put us hard up against our closing date. Jim never blinked and was able to secure our loan quickly when we finally heard back from the sellers lawyer.
I would buy another condo just to work with Jim again!

Jim is the best mortgage broker one can ever find! He helped us close in a very short period time and had been extremely responsive during the process (unlike many mortgage bankers disappear as soon as the rate is locked).
We were denied last minute by another lending company and had to find a new mortgage company. We found Jim on Unilocal.He guided us through the process smoothly despite the fact I was paranoid about everything the entire time (thanks to previous experience) and his team are excellent.
During the closing, it only took us less than an hour to finish the process. Jim even brought us a gift at the closing!
We know this wasn’t the only time we see Jim, we will use his service for all the future purchases!!!

As we began the process of buying our first place, we ran into a lot of roadblocks with the traditional bank lenders (due to self-​employment) that would have pushed back our search an entire year. Fortunately, we met Jim early on and he was able to guide us through the process and get us approved for the mortgage we wanted.
Throughout the entire process, Jim was always quick to respond and provide answers to our questions. Our realtor had warned us that closing could take hours, depending on how long it took to get the documents needed in the process back from the lender. Jim had blocked time for our closing in advance, and during the actual closing process, we got the papers that we needed back within minutes.
Our entire experience was positive and professional, and I would definitely recommend Jim and his team if you are looking to buy a home!

I worked with Jim when buying my first home. He was very easy to work with, and walked me through all of the necessary steps in home buying. He was able to make the process easy from start to finish. Thanks Jim!

I had a stellar experience working with Jim and his team! He kept me in the loop throughout the entire process and continuously provided valuable insight. Jim was always available to talk whenever I had any questions. I wouldn’t hesitate recommending Jim for your mortgage needs!

My wife and I (first time home buyers) could not have asked for a better mortgage broker than Jim. Jim was very on top of things from the very beginning. He would call me during the beginning of the process when we were just looking at places to check in and answer any questions I had about home buying or the mortgage itself. We put in our first offer on a Sunday afternoon and Jim was quick with responding to my call and getting all the paper work together so we could submit our offer on Sunday evening. Jim was very efficient with processing all of our paperwork and made sure we had everything in to his office in a timely manner. He also found an error in Chicago Title’s calculation on our HUD which saved us some money :-). I would highly recommend Jim to anyone looking for a mortgage broker!

I found Jim through his fantastic Unilocal reviews, which turned out to be spot-​on. Jim is extremely professional, proficient, and knowledgeable. There wasn’t a question he couldn’t answer for me throughout the entire process, and he was available around the clock. I won’t hesitate to use Jim again in the future and refer him to others.

As a first time homebuyer, I feel like I probably required kitten gloves from my lender. Perl Mortgage delivered! They turned around my mortgage in less than 30 days and were a pleasure to work with throughout my closing. I highly recommend Jim!

I was referred to Jim through my realtor, and being a first time buyer, I just took the referral without question. From the very beginning, Jim was fantastic. Responsive whenever I had a question, I always felt like I was in good hands throughout the process. And to top it off, he gave me a really nice housewarming gift at the closing, which was totally unexpected. He really just went above and beyond. Thanks for everything Jim!

Jim is extremely knowledgeable, professional, and dedicated to his clients. His responsiveness — even on weekends and evenings — enabled us to submit a fully-​baked offer before other buyers could jump in, and his reputation gave our offer additional legitimacy. He also has a strong team behind him that made the underwriting process smooth and relatively painless. Long story short, I highly recommend Jim.

Jim and his team were great to work with in executing all aspects of our mortgage process!

Like other reviewers, we were first time homebuyers that had no experience navigating the homebuying process, and little solid advice on who to work with to figure it out. Being internet-​generation people, we dutifully poked every online corner to try to find who would get us the best deal — recommendations from realtors, local banks, the big online lending sites, and finally, trusty old Unilocal.Ultimately we chose to go with Jim based on the strength of his reviews, and although we don’t have a large frame of reference, have nothing but positive things to say about him.
I can echo many of the other things already said here: Jim responds to contact promptly, even on nights and weekends. He is very patient explaining the options, process, and answering questions. I am sure we were somewhat frustrating, as we delayed committing to him while shopping around, but he certainly never let on and was always happy to help. As others have pointed out, Jim attends his closings in person, which really helped move things along and let us meet a tight deadline to close.
One of the things we came to learn about mortgage shopping that we did not know at the time is that it’s not like car shopping. If you’re using a broker, the rate you get quoted is not likely to vary much from one to another. You’re really choosing based on two things: fees, and someone you trust to guide you efficiently through the process, make sure everything is in order and on time, and to continue to work in your best interest. This is where Jim really shines.
Jim was true to his word whenever he gave it, and equally as important, was upfront about his limitations. When we bought, rates were on a rise, and we missed out on the lowest rates due to taking our time shopping. As the rates began to climb and I worried about the impact on the payment, I knew there was a provision to relock if the rates fell enough. Once we locked and they started to go down a bit (of course) I pressed Jim to get us a lower rate. They never fell far enough, but he always looked and responded to my inquiries. And at closing, he gave us the credit we had negotiated.
The great service didn’t end with the closing, though. We encountered a lot of problems once we moved in, and were having a lot of trouble getting responses and help from our attorney and realtor. With no one else to ask, I reached out to Jim for advice (who presumably had the least ongoing interest in us after closing), and as before he was extremely prompt to respond and helpful with his referral. He has occasional customer appreciation events and really seems to care about keeping his clients coming back.
What ultimately motivated me to write this review is that, a few months ago Jim contacted us to tell us that rates had fallen since our closing and he could now get us a refinance at those lower rates we were looking for before. Whether he remembered us specifically or just was reviewing his files, we really appreciated that we were working with someone who was watching these things and looking for opportunities to do business again that would benefit us. And even though our inexperience again caused roadblocks, Jim was still very patient, thoroughly explained what we were facing as the situation changed, and ultimately was clearly focused on a long-​term relationship over anything else. You want to work with someone like that, they’re not easy to find!

My fiancé and I had no idea where to start our home buying process. I found Jim through Unilocal and contacted him. We chatted on the phone briefly and then set up an in person meeting.
From the beginning, Jim was so easy to work with. We probably asked a few silly questions but he was so kind and helpful, making sure we understood what was going on throughout the entire process.
Jim made it very clear that he would make himself available whenever we needed him, and he was very much true to his word. When we found a condo we liked, we called him off-​hours and he responded right away and helped us get all the proper documentation we needed to make an offer on a house. We ultimately backed out of that offer, but when we found the perfect place, he was available right away again.
Jim was awesome to work with and we would definitely work with him again in the future. I’ve recommended him to a few friends.

Jim was incredibly helpful in getting us the home we had been hoping for. We knew the condo we wanted in the neighborhood we love, the rest of the homebuying process was a bit blurry. As first time buyers and Chicago transplants, we had plenty to learn.
To start, Jim met us in person for two hours on a Sunday to prepare us before making any offers. During the negotiating stage, Jim made himself available anytime to answer our questions and write up approvals. He even helped us complete our offer on Easter! That is dedication.
After our offer was accepted, Jim jumped right on our case to make sure we met our deadlines and were ready well in advance of our closing day. The financing process requires plenty of personal info and documents, Jim was always helpful in giving us lead time and explaining it all.
On closing day, we were more than ready to sign those documents! We were happy with our rate and already understood all the documents to be signed.
I enjoyed Jim’s laid back yet astute demeanor. I would recommend him to any friend/​family and would work with him again in the future. A+

When I decided to finally purchase a house, where to turn to for a great mortgage broker was a very difficult process. The first three banks I called all seemed disinterested in helping me as a first time home buyer, and never got back to me in a timely manner. Jim on the other hand was a complete breath of fresh air.
Not only did he walk through everything step by step, but offered to come to my place to go over everything. As the process went on, he answered all of my questions and met me at my work to pick up all the requisite paperwork. My condo closing took place on New Year’s Eve, and even then with bad Chicago weather he made it to ensure I understood it all and felt at ease.
I couldn’t recommend a more professional and fantastic person to work with. I know anytime in the future I need to purchase a new home my one and only call with be to Jim!

Jim helped my husband and I secure a mortgage for our new home. My real estate broker recommended him and I’m glad she did!
We had a very short time until closing and it was during Thanksgiving and Christmas. Jim came through! He was always easy to reach even on weekends and late hours. I really appreciated him going the extra step for us. Obviously this can be a frustrating and very detail oriented ordeal and Jim was always professional, clear and helpful. I’d highly recommend him!