I gotta give respect where it is due
Paul Abair and his team especially Heidi Valdez and Austin Abair at Armed Forces Bank are the real deal.
I had previously contacted multiple lenders after getting the run around, fluctuating loan estimates and uncertain rates/points from of course...a local-realtor-recommended lender with whom I had been approved. I decided to stick it out with the previous lender because I told myself we were too far in but the final disclosure came in and the costs were absurd. The rates were way HIGHER even with 1.75 points. Talk about getting blindsided by random fees! Throughout this whole process Paul provided free insight and gave me much of his time/advice just to help out even though I was getting a loan from another lender. I found that very refreshing and Paul truly had my trust. 30 something days before closing, I called him in the literal 4th quarter and I got locked in for a multi-family home investment rate that was LOWER with NO points. You heard that right! He will compete to earn your business. Don't let anyone tell you this loan is better than that loan.
A loan is a loan... but having the right Loan Officer matters! I submitted my documents ONCE and there was no back and forth & no asking for things here and there, saving me a lot of time and sparing me from many headaches. The process could not have been smoother and it was the easiest financing/loan process I've done (of maybe 5/6th different lenders). To top it all off, he and Heidi got me the Clear to Close TWO WEEKS EARLY!
Throughout, Paul and Heidi were responsive, communicative and very helpful. They actually make you feel like they only got your loan going on and that you are their only customer. Thank you so much Paul/Heidi. Once I recharge my wallet, let's do it again, Paul and Armed Forces Bank! If you're thinking about real estate or investing, give Paul a shout. I am so happy with how this went down that I am willing to speak to you personally about my experience with AFB and Paul Abair. Reach out! -VT