This was probably one of the best experiences with a Mortgage Broker I have ever spoken with. I called him and he answered right away. He spent SEVERAL hours with me answering any question I had and helping me to see what we could be pre-qualified for. He made sure to make the experience as user friends as possible, and was very patient. My husband and I are going through a VA loan and it sometimes can be tricky and has a lot of qualifications, but he helped us understand everything that we would need, and what they would expect us to have to qualify. I would HANDS DOWN recommend him to someone buying a home!!
Posted: 2/22/2016 • Link to this review
I used 1st Rate for my Re-fi and then for a home purchase. Even on a Saturday evening when we had a last minute change, he had what I needed in 10 minutes. Truly, couldn't have been more helpful and his rates were better than anything else I could find.
Posted: 7/01/2014 • Link to this review
After talking to a few different mortgage service companies, I was fortunate enough to call and speak to Joe at 1st Rate Mortgage. He provided, hands down, the best support that I could ask for. He went over all the pre-requisites necessary and provided many other recommendations on what and how to proceed with the loan process. We will be using him for this purchase. I already have recommended him to another that will need to get a mortgage in the near future. I'm looking forward to a great experience as we go forward.
Posted: 5/09/2014 • Link to this review
Thank you for taking the time to write your review. Every review is enormously helpful to myself and my company, and I can't tell you how much I appreciate your kind words. I look forward to providing you with the best service I have to offer. Never hesitate to reach out to me during or after the loan process with any questions or comments you may have.
I don't normally do reviews but I had to leave a personal comment . Joe at 1st Rate mortgage is exceptional! I promise you, you won't be disappointed . I can't say Enough good things. Joe helped me buy a home. He got me the lowest rate , he took his time to explain every question I asked . He was available on Sunday and anytime of the day , he returned all my email and texts message immediately . I would alway get an answer from him. After locking in the rate he made this transaction as little stress as possible . He informed me every step of the way of the progress of my loan . He always reassured me when I would worry and I'm grateful for that . Buying a home is a big purchase and Joe was right there with me. The personal service and attention I got I know I wouldn't get anywhere else . I highly recommend him .
Posted: 3/07/2014 • Link to this review
Thank you for your review of your experience. I am happy I was able to help your dream of owning this home, come true for you and your family. I wish you all the best in your new home.
I have refinanced my homes many times, so I know what to expect. Joe has raised the bar on my expectations dramatically, by getting me a much lower rate than I was offered by several other agents, and by constantly monitoring the market -- and my loan's progress -- to ensure that I got the best deal without ANY problems. Joe is AMAZING.... He OWNS the business, and he takes OWNERSHIP of making you happy....and he is a Friendly -- easy to talk to guy -- in addition to all of his fine business talents !
Posted: 11/30/2012 • Link to this review
Thank you for sending in a review of our services. We appreciate anytime our clients are willing to share their experience. We are always happy to get any kind of feedback in a review. Not only does it let others know what to expect when deciding to work with us but also helps us to make sure we are living up to those expectations. We wish you and your family the best this holiday season.
I began looking to refinance my mortgage in early Feb 2012 and Joe@1st Rate Mortgage stood out among my candidates. His speedy follow-up brought our loan to closing about a week earlier than our already aggressive target, which meant I could begin saving earlier. Plus, he is very honest and straight forward in answering my *numerous* questions. His rate was one of the best and service unmatched. Highly recommended and what a pleasure to work with.
Posted: 3/17/2012 • Link to this review
1st Rate Mortgage made our refinance experience very smooth. Everything was done via email or online, which made it very nice. We never had to depend on mail service or other courier services. The personnel were very helpful, very detailed oriented and kept us up to date on everything. I have recommended them to a couple of co-workers and would recommend them to anyone. I believe when providing a service is your business the customer should be your number one focus and I feel like they believe in that value.
Posted: 3/08/2012 • Link to this review
Refinancing a mortgage can be daunting at best. Joe Adsit with 1st Rate Mortgage Services took all the worry and complexities out of the process and everything went smoothly - on time and as planned. Joe worked with us through every step, and was accessible day or night - even on the weekend.
Posted: 2/22/2012 • Link to this review
I was referred to Joe Adsit of 1st Rate Mortgage Services by 2 of my colleagues who refinanced their mortgages with him. They told me how easy the process was and how knowledgeable and thorough Joe and his staff were. It seemed too good to be true, but they were spot-on! We locked-in at a great rate and our loan closed on time without a hitch. It was literally the easiest money we've ever made. Thanks Joe!!! :-)
Posted: 2/11/2012 • Link to this review
Thank you for your review. Personal time is very precious so I really appreciate you taking the time to sit down and give your feedback. It not only helps me to evaluate our services through the eyes of our clients but also allows our future clients to gain an understanding of what to expect when working with us.
Please let me know if I can ever be of assistance in the future.
Thank you for your business and posting a review of your experience. I would like to especially thank you for referring us to your friends and colleagues. Lending has become a daunting process and we do our best to make it as smooth and efficient as possible. Please let me know if I can ever be of further assistance in the future. I wish you and yours all the best in this New Year.
My daughter and I did refinance mortgages twice with 1St Rate Mortgage service and the process went smooth. You can contact Joe Adsit, owner any time in the process and he explains the positives and negatives in the loan so you can make your own decisions. He is very honest and upfront while processing the loan. I recommend evrybody to give Joe a chance to work with your loan and I am sure you will be happy
Posted: 12/23/2011 • Link to this review
Thank you for taking the time to write a review on your experience with us and the kind words. I would also like to thank you for referring others to our company. That is the highest compliment we can receive. Best wishes from our family to yours.
1ST Rate Mortgage Services provided us with a 1st Rate Experience with our No Cost Refinancing on our home. Joe Adsit, owner of 1st Rate Mortgage Services, provided us with a step by step process from the beginning to the end. Joe told us what he needed in each step and this made it very easy to close on our Refinancing in a very short time. Joe made it a very professional process and always was in contact with us from the beginning to the end. We would highly recommend using 1st Rate Mortgage Services to everyone who wants a very smooth and professional process from the beginning to the end. My son is going to be working with 1st Rate Mortgage Services in the next few weeks as the rates drop. SO IF YOU WANT A SMOOTH PROFESSIONAL PROCESS FOR YOUR REFINANCING, SEE 1ST RATE MORTGAGE SERVICES... JOHN AND PATRICIA WILEY
Posted: 12/15/2011 • Link to this review
Hi John - Thank you for posting a review of your experience. It was a pleasure working for you and giving you that 1st Rate Mortgage experience! We put a 110% effort into make the mortgage process as quick, as efficient and as smooth as it can be. I also would like to thank you for the referrals you have sent my way. I will give them the same 5 Star Service you received. Our best wishes to you and yours!
1st Rate Mortgage Services was very helpful when I first started shopping for a refinance. They answered all of my questions and gave me all the information I needed to decide on my refinance. I ended up getting the rate and payment I needed and met all my goals.
Posted: 12/06/2011 • Link to this review
Hi Rick - Thank you for posting a review of your experience with us. I am happy we were able to take care of your refinancing needs and accomplish all of your goals for you. It was a pleasure working for you and your wife. Please let me know if I can ever be of further service to the two of you or anyone you may know of who could use our services in the future. Best wishes to you and yours. Joe A.
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