Justin Lopatin – Perl Mortgage

We had a short turnaround for our closing, but I never once worried we wouldn’t hit every deadline. Justin and his team were responsive, efficient and a pleasure to work with.
As with any major decision, you should shop your options. I suspect like me you will find that Justin’s offer combines competitive rates with excellent service. Highly recommended.

For anyone who doesn’t want to read the novel below — short and sweet version is this: highly recommend PERL and Justin, but it seems like they’re getting a bit too much business to handle recently which may be causing them to slip a bit.
Now that that’s there for people, let me just say that Justin is awesome to work with. As others have said here, he’s very professional, patient and responsive. As a first-​time homebuyer with my fiancée, we had a ton of questions (well, me mostly) that Justin took all pains to answer and made sure I was completely informed throughout the process. (By comparison I started the process with my main bank, BofA, and they offered pretty much the opposite experience in all aspects.)
This would have been a 6-​star review were it not for some difficulties right at the home stretch of the financing process. Approximately one week before we were set to close, we got the news that a critical form from the IRS had not come through yet and that without it we couldn’t close. Now, I’m not blaming PERL for the IRS’ shortcomings — but I was a little frustrated that what had been stellar communication seemed to come crumbling down at this precise moment. It was never made clear to us why this form hadn’t been requested sooner, or what the possible implications were for its delay. Though our closing only got pushed back a week (and thankfully the sellers accommodated), the needless stress was both frustrating and unexpected based on the amazing process up to that point.
I could have let one mishap slide, but then on the day of closing we had another snafu. Rather than get the complete summary of closing costs and how much we needed to bring to closing the day before, that document didn’t arrive until after the scheduled closing time. Additionally, PERL delayed so long in wiring the money that the title company couldn’t complete the transaction before the accounts closed for the weekend (and it was the Friday before Memorial Day, so things couldn’t get squared away until Tuesday). Fortunately, the sellers were again accommodating and we were able to walk away with the keys, but just not the way you want your first closing day to go.
My attorney later told me that this was actually the latest in a string of delayed closings from PERL. Now this is likely due to them being swamped because 90% of the time they’re incredible to work with. But the delays combined with a frustrating breakdown in communication made the last two weeks of the process much more stressful than they needed to be.

I went back to Justin and his team for my refinance because the rates simply cannot be beat. They secured me a very low interest rate at a very reasonable price, and for this, I am grateful. That said, I still find that they struggle to keep up with the details. In the end, I would recommend going with Justin and his team, but I would also recommend double checking the details throughout the process to be sure everything you want is being incorporated. I will likely go to Justin again, and hopefully following that experience, my rating will bump up another star.

Justin is amazing. He helped me get a mortgage to purchase my 1^st home in Chicago. Being a first home buyer, I was nervous about the process and had a ton of questions, but Justin was very patient, was always available, and helped me to feel comfortable. Justin and his team were very responsive, efficient and made the entire process so easy!
It’s a year later, and I just refinanced with Justin! He kept in touch after the closing, and when rates had dropped a few months ago, he had proactively reached out to let me know of my possible savings.
I would highly recommend Justin for any future purchases!

Justin was fantastic! He, was very responsive and very well informed. Justin has an amazing ability to clarify and simplify information. After a bad experience with Citibank I went with Perl. I couldn’t be more pleased. Even the appraiser that they used was top notch. Next time I am involved in a refi or purchase I will definitely try Perl Mortgage and specifically Justin first.

Justin and his team helped me quickly and efficiently secure a loan, where I made an offer mid-​May and closed at the end of June.
He was attentive to the changing mortgage rate at the time, helping me lock in to a good rate before a large increase.
I would gladly work with Justin and his team at Perl again and plan to refer friends.

Great guy, great service, great follow through. Really dumbs it down for us simpletons. Keep up the great work, Justin!

Just closed another transaction with Justin. It turned out to be a more complex than we initially thought, but Justin and Perl did a great job adjusting to these issues. I’m glad that he was at the helm and guiding us through this one.

I’ve been a practicing Real Estate Attorney for 8 years, I have the utmost confidence in Justin. He is experienced, sharp and professional. He is knowledgable about the products he has to offer and gets the best deal for his customers. His team is well trained and efficient, most importantly, they always close on time. Justin is an exceptional Mortgage Banker, and I highly recommend him to my clients.

Justin and his team were outstanding to work with. They were prompt to respond to questions, and were undoubtedly prepared when it came time to close. The direct quote from the sellers attorney was «Who was your mortgage servicer? Man, they are fast!»

Justin and his team have helped us with two transactions in the course of 13 months, one of which was particularly delicate and time sensitive. Justin (and Cheryl) were perfection in managing the process and the expectations and personalities of involved parties. I cannot recommend Justin enough. If others put the same priority on customer service that he does, life would be much easier! Simply put, he’s a rockstar.

My wife and I recently purchased our first home in July and worked with Justin and his team. We were extremely pleased with the experience throughout the entire process. Justin took the time upfront to explain each step and gain an understanding of what we were looking for in our mortgage. Justin kept in contact throughout every step of process to ensure all our questions were answered and everything went smoothly with the buying process. I would definitely use Justin again in the future and would recommend him to anyone that is looking to purchase or refinance a home.

I recently used Justin and his team to purchase a new home and couldn’t have been happier with the experience. Justin’s communication was perfect from start to finish, as he kept everyone involved the process aware of what was going on at all times (he was even complimented on this by the SELLER’S realtor at closing). His team was also very friendly and professional, and made me feel like my loan was just as important to them as it was to me. I would be happy to use Justin again in the future and will certainly recommend him to family and friends who are looking to purchase or refinance.

I used Justin for my first home buying experience and was extremely pleased. He and his team were very thorough and took their time to explain everything to me and make sure I was comfortable. I will refer all of my friends to Perl in the future.

Working with Justin was a great experience. He was very detailed and engaged during the entire purchase process which was our first time. I would recommend to work with Justin anytime.

I recently bought a home in April and used Perl Mortgage to do so. It is our first home and we were definitely not familiar with the process. My boyfriend and I were extremely please with Justin and his team. They were always available and answered all of our questions and concerns every step of the way. Justin made us feel very comfortable with the whole process and every time I freaked out, he would reassure me that everything would fall into place. He definitely is an expertise in his field and knows what he’s talking about.
I would highly recommend using Justin at Perl Mortgage for any of your future purchases.

Short version: Use Justin and his team.
TLDR: We closed on a house in November and used Justin and his team for our financing. He came as a recomendation from friends, and I would now recommend him to anyone that needs his services. Justin and his team were there with us through the whole process. From my earliest questions about qualifying through a check-​in email just after closing. Much of my interaction was with Justin, but I found the rest of his team to be just as professional, timely, and knowledgable as Justin is.

A couple years ago I was a very lost first time home buyer. I used j
Justin as my mortgage guy and he was excellent! First off I have no idea kind of paperwork I needed! Justin was patient and kind and guided me through the process. If he can deal with me as an annoying customer he can help you as well!

Justin has incredible knowledge and a great attitude. He is one of my favorite people to work with in Chicago. I would recommend Justin to anyone looking for a mortgage. Class act.

Justin was great to work with. He was a great communicator and always responded to my questions promptly and clearly. Not something I would say abut most lenders. Justin was able to offer a competitive rate and provided excellent service. I would gladly recommend him to friends and will work with him again.