Trident Home Loans - Jonathan Kulak & Team - VA, Conventional, FHA Loan Specialist Plantation Rd, Pensacola

Outstanding, professional service! Mr. Kulak was absolutely excellent to work with. He displayed the utmost knowledge, explained everything in easy to understand terms, was very patient, courteous, and very dedicated. I couldn’t have asked for a better loan officer. His team was also absolutely outstanding. They were fast, thorough, on top of all details, and friendly. They made a complicated purchase (second home purchased from a trust) very easy. I will definitely be using this team again!

Jon, Roy and the rest of the team at Trident were simply superior! I rate shopped local and National lenders, and their rates simply couldn’t be beat. But the great rate in no way comprises their dedication to customer service. Jon, our loan officer, was an extremely valued advisor for months before we even applied for our VA Loan. As an airline pilot transitioning from military to a part 121 carrier my pay situation was very complex. Additionally, we were infiltrating an extremely competitive and expensive housing market. Jon devoted hours of consultation with invaluable insight to help us best prepare for the process. He was knowledgeable in both military and 121 carrier pay which was critical to our situation. Once our home purchase was under way, I got compliments from my real estate agent that the communication and professionalism from him and his team were top notch throughout the entire process. To top it off, Jon really took care of us by actively watching for an opportunity to float our rate down, and was able to take advantage of a short drop in market rates before they shot back up to save us 0.625% from our initial rate lock, with 0 extra fees (completely free to us). Finally, Roy our processor, and Jen, our closer, were both a pleasure to work with. They actually re-wrote the terms of our loan in the final days when I wanted to change our downpayment, and did so with upmost courtesy and promptness. Their communication and professionalism made the process easy to understand and painless. I can’t pass a high enough recommendation for this Trident Team. And if you’re an airline pilot and/or military shopping for the best VA loan, call Jonathan Kulak and team!

Hands down best experience in my 20+ years and multiple home purchases! These folks are absolute professionals and your biggest advocate. They work tirelessly to get you the best rates, best deals and equally importantly-make the process as easy as possible. The communication was flawless and it allowed us to focus on all the other tasks that accompany a home purchase. While Jon shepherded the deal, Taylor did an incredible amount of hard work and diligence on our behalf. I felt like we had a whole team working to make this transaction happen. In todays market, that kind of responsiveness could be the difference between getting the home you want or finding yourself back at square one. There’s no reason to “shop around”-I’ll simply call Trident and let them make it happen. You should too!

I recently worked with Jon, Tyler and the rest of the team to purchase a house and cannot recommend them enough. The rate they were able to provide beat everybody else I spoke with and it was not even close. Beyond the great rates, the whole team is very responsive and eager to answer questions and help out wherever possible. Bottom line: if you are looking for the absolute best service while also keeping more money in your pocket, give these guys a call and you will not be disappointed.

getting my loan for a home and Jonathan and his team was so easy to work with. They are all very knowledgeable and helpful. Want to mentioned Mr. Roy Stephens for working super hard to get me here. I was busy with work and my time to communicate usually after work and sometimes late at night. He was very quick to respond to my email and always look out for what to get ahead in order to get the loan approved. I would totally work with Jonathan and his team again

Trident Home Loans has been absolutely amazing to work with during our first home purchase. From our first initial contact (where we had a million questions about the buying process) to closing day, they have been informative, professional and easy to communicate with. They went above and beyond for us many times and even managed to secure us a lower than initially expected interest rate the day before our closing. We have been thrilled with both Jon and Roy (and the company as a whole) and would recommend them to anyone!

From our initial inquiry to our post—closing congratulations, every single interaction with Jonathan and his team, and specifically our Processor, Shaundra, was exceptional. They understood our needs and went above and beyond to secure our mortgage in a volatile market, sincerely supported us every step of the way to the point that they felt more like friends than business associates, and were extremely responsive every time we had questions or needed reassurance. We have bought and sold many homes over the years due to work-related relocation, and this team is by far the best we have ever worked with!! Thank you from the Howe Family!

I have worked with Trident twice now, and both times they have been phenomenal. The latest process was extremely smooth and we got our clear-to-close in record time. They were on top of everything from the very beginning and we always felt like we were in good hands. Jonathan and Roy were both incredible and I couldn’t have asked for an easier process!

I had a great experience with Trident Home Loans. The entire team from Jon to Taylor were great and made the experience very easy. This was my smoothest home buying experience out of 4 and I would 100% go with Trident and their team again.

Jon Kulak and his team at Trident Home Loans did and awesome job. One of his team members Tyler Hamblin went above and beyond everyday to make sure everything stayed on track and that we would close on time with a great locked in interest rate. I would definitely use Trident Home loans again and would recommend using them to anyone.