The Mortgage House

Sandra Sansoni at The Mortgage House is a delight to deal with. She’s EXTREMELY knowledgable with what she does and was able to tell me all the documents that I needed to get together to qualify for my loan the first time. I’ve dealt with several lenders in the past that would keep coming back to me saying they needed «just one more document…» None of that here. Sandra was always pleasant and made what can be a tedious experience very smooth as enjoyable as can be expected. I’ve recommended her to some of my closest friends, and now to you as well.

Jody Brooking and her assistant Tanya Wormley provided outstanding service to me. I highly recommend them!
I was refinancing my mortgage, which was a difficult situation — due to divorce and due to my income being split between a W2 job and my own business. I spent 3 months working with Chase, my mortgage company, only to be turned down because they wanted me to accept a higher rate and pay off a student loan that is in deferment. Then I spent 4 months working with USAA Credit only to be turned down because they did not «believe» my business income and refused to accept my business bank account statements.
After 7 months of working on the refi, I was upset and discouraged. I did not feel taken seriously as a female small business owner. Dealing with large companies at a distance, I did not have contact with a real person and some of the emails and phone calls were cold, abrupt and disrespectful. There was always one more problem and one more piece of paper they needed.
When I first talked to Jody on the phone, I felt she really understood my situation. She was helpful immediately on the phone by telling me that she thought the difficulties could be overcome. When I walked into the office, I felt very welcomed — the general staff was very warm and friendly. Jody and Tanya worked quickly and answered all my questions promptly. In 2 months and 2 days my loan was approved and my funds were in the bank!
I am convinced that dealing with a local company like the Mortgage House is the best. I highly recommend Jody and Tanya to anyone seeking a mortgage or refi — but especially for anyone whose situation is out of the ordinary.

We found all the staff at the Mortgage House to be extremely knowledgeable, helpful and courteous. They made a complicated process seem simple and painless.
Compared to other lenders/​brokers whom we have dealt with, all the individuals at the
M.H. are friendly, competent and genuinely interested in getting the process completed quickly and correctly.
It is a pleasure to work with a local company that is so thorough and helpful, making the loan process stress free and less drawn out.
We would gladly recommend the Mortgage House to others.
Marcie and Daniel Hawthorne

The best. Sandra Sansoni and her staff are the best. We obtained a mortgage loan and she couldn’t have made it more perfect. She attended to our requests every day and took care of everything. She explained to us every step of the process and made sure we were taken care of. We are a very busy couple and she made sure we submitted everything on time and made it painless for us. I love this place. I wouldn’t consider another mortgage officer to handle our needs. Thank you, Sandra!

My husband and I are first time home buyers with a VA loan and Raymond Fritz helped us out tremendously. He walked us through step-​by-​step from the very beginning. He also went above and beyond in securing and finalizing our loan. Thank you SO much Ray!

Ray Fritz is a very knowledgeable loan officer at The Mortgage House who is totally focused on meeting the borrower’s needs. I recently purchased a home in a hot real estate market with a VA loan. Everyone told me it would be extremely difficult to get a seller to accept an offer with a VA loan contingency, but Ray was able to get me pre-​approved and worked directly with me and my real estate agent so I could make an attractive offer that was accepted.
We negotiated a long closing because everyone expected loan approval to take «forever», but Ray and the team at The Mortgage House were able to quickly fund the loan so we were ready to close in 15 days, but had to wait three extra days for the sellers to remove the furnishings they used to stage the house. I was kept informed every step of the way. Ray explained every aspect of the loan process to me in terms I could understand.
I’m not a very experienced home buyer, but I can’t imagine having a better experience with anyone else. I highly recommend Ray Fritz without reservation.

thanks for all your help, they are great. helpfull and amazing to work with.
they made a first time home buyer life as easy as possible. i hope to use them again in the future. thanks for everything

Sam Cotton is a senior loan broker at The Mortgage House and he is amazing. He got a loan for a client when every other lender I talked to said it couldn’t be done (good people but who had a history of health and financial problems, a mix of self– and W-​2 income and losses, and high debt-​to-​income ratios).
Besides doing un-​doable deals (a technical term), he offers additional options that people might not have thought of and that might be better than what they are asking for.
I don’t know why more lenders don’t do that. You’d certainly hope the professionals had more knowledge of alternate options than the average consumer, but not too many proactively offer alternate options; many just answer my client’s direct question, even if it isn’t the best option, or even if that answer doesn’t solve their problem.
Sam is someone who thinks about the issue that needs to be solved, and then walks your loan through underwriting and fights to get it done.
The underwriter at The Mortgage House is also someone who is willing to argue for a client — that their loan fits in the loan guidelines. I’ve never seen an underwriter willing to do that before To do that, they have to know the guidelines inside and out, including the gray areas and how widely those can be interpreted. It’s can be an invaluable benefit.

Now granted I have never used another Mortgage outfit as I am a first time homebuyer but If things continue to go well I will never use another one either.
I used Jody Brookings at the Mortgage house about 2 years ago to buy our first place. It was a very nerve racking experience for a young couple, or at least me, to go through, yet Jody was always giving us updates and taking my calls. I rarely ever got to voicemail with her, she almost always answered her phone which I truly liked when I could have a question or nerves calmed right when I needed it.
We are now in the process of a refinance and decided to stick with Jody because she was so great and attentive the first go round. We met with her the other day and it was like we never skipped a beat we were back to joking around talking like she was an old friend, which I feel like almost she could be. She remembered stuff that we liked and had on our previous applications so it streamlined the process and really made us feel unique as she remembered us well even after 2 years.
Jody make us feel very at ease with using the Mortgage House. Their support staff seems to good and the front desk is always nice when taking my calls. They got my loan processed quickly the first go round with no complications and I look forward to the same experience with Jody this time.