D W (DWRailroad)

Review of Arbor financial group

This is specifically about David Gaylord, with Arb...

This is specifically about David Gaylord, with Arbor Financial Group. First, a friendly suggestion: work more efficiently by using a mortgage loan broker.

Brokers will save a great deal of time, help avoid numerous "hard inquiries" (negatively impacting consumers' credit ratings), find the best rate and finance company, provide invaluable support for processing a loan (helping to avoid costly errors during the initial process and for the future of a loan) and more.

David Gaylord is extremely efficient, knowledgeable and responsive with excellent communications. David processed the first mortgage on this property, helping us to avoid a financial train wreck with another broker, with questionable ethics who, ironically, was highly recommended. This most current transaction was for a very sensitive, complicated refinance resulting from a mess I had created through a marriage (subsequently ending in divorce). The legal and financial implications from one small error could've resulted in yet another ongoing financial mess. While not being able to provide legal advise, David Gaylord was able to provide suggestions from his extensive experience in the home mortgage industry.

David's patience with what may've seemed like numerous inane questions (and would've been perceived as such by other financial professionals), despite serving as confirmation and verification, was invaluable, highly appreciated and admired.

To recap David Gaylord's professional services:
Very knowledgeable (VERY!)
Strong values and high ethics (VERY vital, crucial)
Extremely efficient
Excellent, thorough communication standards and skills (VERY vital, crucial) throughout the entire process...and after

For a point of reference, I read numerous negative complaints about the lender David had placed us with, loanDepot, who I had never heard of (despite extensive experience in corporate finance). It was discovered through further research that those complaints emanated from homeowners "shopping" their own finance, "retail" borrowers working directly with the finance companies. Inexperience dealing with the intricate details, as well as cumbersome communication channels (working with possibly several different lender representatives, possibly with limited or even no experience, when going directly through lenders -- "retail"), resulted in those negative comments or complaints.

In summary, whether working with a highly effective, honest professional like David Gaylord with Arbor Financial Group (hopefully, for your benefit and peace of mind), choose a mortgage broker to ensure a smoother, successful mortgage finance transaction. The benefits are numerous and there is no charge to the borrower (fees paid for by the lender, which in a "retail" transaction, 100% of those fees would go to the lender).

Best wishes on your mortgage financing.