Vema Mortgage LLC W Big Beaver Rd, Troy

Chirag is a great guy to work with. He helped us with refinancing our current home. Through out the process he was very patient in answering my questions and securing the loan. He handled so perfectly that we didn't have too many sessions in submitting the required documents for underwriters. He even helped us in making some decisions on other properties when we were working with the builder. I highly recommend Vema mortgage.

It was a great experience working with Vema Mortgage team to get the loan done. I worked primarily with Johnson who promised me that closing can be completed in a month and I'm excited to say that it was done in 31/2 weeks!! They are simply above competition as far as my experience with brokers. A special shout out to Manju and Lakshmi for their prompt replies to my queries. Highly recommend to anyone looking for mortgage needs.

As a first time home buyer and so many unknowns Ramesh was there with me right from step 1 until my closing. He took care of everything and provided the best possible rates. The communications, follow-ups and directions provided during each step was really appreciative and informative. I just had to apply and he took care of everything else. I will definitely recommend him to my friends.

We had an awesomely great experience partnering with Vema Mortgage loan officer Mr.Sebastian George. He is very knowledgeable, subject matter expert, reachable and provides timely responses to all the queries; especially for a first time home buyers, this is very critical. Sebestian and team worked tirelessly for clear to close within stipulated timeline despite of challenges that presented itself due to supply chain issues.I would recommend Sebastian and the team Johnson and Manju for their commendable work they do.

We were referred to Vema Mortgage by one of my friend. Our situation was challenging as I had to do a quick closing & has a very busy work schedule. We are glad that the Team at Vema (Sebastian, Johnson & Manju) were able to accommodate us. They are open all days till 9:00 PM. They closed out deal in 13 days with the best rate in the market. It was a smooth closing with no surprises. I would refer all my Friends to the Team at Vema Mortgage.

I got excellent rates from Veema mortgage. Their whole process was smooth and easy. I worked with Johnson who was very friendly and answered all my questions. He made sure the whole application process finish within time.

My experience with Ramesh was exceptional. As a first-time buyer we were in uncharted waters, he helped us navigate through it. He was very approachable, friendly & patient in explaining anything we had to ask. Besides having the best rates compared to any other big players he also got my appraisal and origination fees waived off. Ramesh consistently followed up with the lender & attorney and had it closed in less than 2 weeks, he also kept me updated from day one till closing. I would recommend him to anyone in a heartbeat.

Sebastian was very helpful throughout my loan process. He was very responsive and assisted me with all the paperwork. I would definitely recommend Vema mortgage to anyone who is looking for a home loan.

I got excellent services from Veema mortgage. Their whole process was smooth and easy. I worked with Johnson who was very friendly and answered all my questions. He made sure the whole application process finish within time. What a great service they provide! Go with them for all your mortgage needs.

I’m delighted to have worked with Ramesh from Vema Mortgage, his deep knowledge and ease of working ensured I got the best rate. He is thorough and ensures everything is taken care of right from start to closing. We can be confident we are in the right hands. I will definitely refer Ramesh to everyone who wants the best service and rates 😊

Vipul Hapani is a very honest and knowledgeable person, he helped us in buying a property and guided us in each and every step as a first time buyer. He closed my home on time and I am very much satisfied with his work and his commitment. He is very much customer oriented and I would surely recommend him

Recently processed my home loan with Ramesh from Vema mortgage and he made the process so seamless. One of the best customer service that I received in my life. Highly recommend to others!

Sebastian and his team helped me in every step of my mortgage loan process. His staff Manju Kizha, P. T. Johnson and others were always there in every step of my loan process giving the right advice and answering all my calls. I never thought it is going to be such a smooth ride. Thanks to their efforts able to close my loan with out any hiccups.

Vipul has been very helpful throughout the process and always available to clarify any doubts. He not only helped me get a good rate but also fixed all the issues which came in between the loan process. I completely trusted Vipul and he delivered more than what I expected from him.

Vema Mortgage or Sebastian will make Impossible to Possible. My home refinance process went very smooth despite of some reflags from the lender. Every employee in Vema Mortgage takes care of the application in each aspect and communicate with you properly. A big shout out to Sebastian, PT George, Lakshmi, Neeta and each one who help me close my refinance. This is a one stop company for all your mortgage and reality needs.

Chirag did a great job, got me a super competitive rate which beat all the other offers i had. Everything was completed seamlessly in a timely manner. He was patient to address all my questions. All the options were put forth for me to decide and there was no aggressive sales push to go for the ARM options. I’d highly recommend him.

The staff of Vema mortgage are friendly. They have guided me through the mortgage process by answering all my queries. To keep it short in one sentence: Doing mortgage process first is very difficult and Vema mortgage made it easy and smooth.

Chirag has been excellent in processing both my loans. He has a very good, crisp communication, attentive to details, and has extensive knowledge in the processes which needs explanation. He responds quickly to any of our doubts, which is what a buyer needs during the closing process. All in all a very good experience to deal with him.

I got excellent rates from Veema mortgage. Their whole process was smooth and easy. I worked with Johnson who was very friendly and answered all my questions. He made sure the whole application process finish within time.

Ramesh is a pleasure to work with. We were not getting good rates and were surprised with the rates Ramesh offered. Never shies from any questions or concerns we have. He was upfront about all the costs and ensured clarity all along the process. Always accessible over phone or text. Adds a personal touch in additional to professionalism. He closed within 15 days. Highly recommended

Ramesh is a pleasure to work with. We were not getting good rates and were surprised with the rates Ramesh offered. Never shies from any questions or concerns we have. He was upfront about all the costs and ensured clarity all along the process. Always accessible over phone or text. Adds a personal touch in additional to professionalism. He closed within 15 days. Highly recommended

It was a pleasure working with the Vema Mortgage LLC team. The communication with Sebastian, Johnson and Manju was excellent. I was always kept updated with the latest status regarding the application. Also got a really good mortgage interest rate. Thank you team.

@Ramesh Nagarajan as a loan officer from Vema Mortgage helped us tremendously with mortgage process to secure mortgage for investment properties and refinance options He was very diligent in helping me understand the process and walking and constantly reminding so that everything progresses and stays on track. He is very knowledgeable in turn helping me advise on best options , patiently answer my questions so that I am comfortable. He is such a professional that he would constantly stay in touch ( even weekends and late nights) , provide regular updates. Best of all he is very transparent, super fast and on top of things all the time. He definitely puts customers interest in the first place. He is my go to professional for future mortgage needs. I highly recommend his services to anyone looking for mortgages

I had a great experience working with Vema Mortgage team. Johnson has been very helpful all throughout the loan process.

Did my refinance for my primary house and Investment property with Vema Mortgage. Manju had been a great help. She helped me whatever possible way she could to get me the best rate and smooth processing of loan. She is quite knowledgeable and always tried to give a best service. I would definitely recommend Vema Mortgage to everyone. Thank again Manju for all your help!

Got best rates when compared with others . Mortgage processing went smoothly & Closing was done on time .Thanks to Johnson, Lakshmi & Sebastian team

Working with Chirag Rachhadia was great and his advise was really valuable. His team helped me with all the necessary steps needed from pre-approval to closing for resale property. I'll definitely recommend his mortgage company for anyone for a hassle free experience. Thank you for all your hard work to make my house closing completed without any hassle !!!

Sebastian & his team at VEMA mortgage were very knowledgable went above and beyond to make buying experience easy and non-stress. He was incredibly helpful, easy to talk to, made sure we understood everything that was presented to us through out the process, kept us informed the whole way. Sebastian, Manju were always on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. We were very pleased with the interest rate we received, Easiest and the best home mortgage transaction we have ever had. We will absolutely use VEMA and Sebastian as our loan office again in the future.

Worked with Ramesh. He is so friendly and helpful and guided me through the process. Closing was done so fast and he took a good care. He was so patient in answering the questions.

Aug 2021 I again availed Vema Mortgage's service for refinancing. I am simply amazed about how easy it is to get anything done using their service. Just provide a few documents and forget about it. They do everything for you with minimum follow up required. They help you secure great rates and make the whole process feel like piece of cake. Thanks again Vema Mortgage LLC! April 2020 Vema Mortgage helped me out with my home purchase recently and i had a very satisfying experience throughout the process. Sebastian is not just highly professional but also knows the job very well. He was able to expedite things whenever necessary to meet deadlines. He works with you, takes time to understands your needs and finds you the best possible mortgage rates. Working with Vema gave me peace of mind and enormous savings on top of that. I am very happy that i chose Vema Mortgage and would highly recommend to anyone looking for a new mortgage loan or refinance options. Thank you Vema Mortgage LLC.

Worked with Sebastian and Johnson , Very professional in the service commitments. Very competitive rates . highly recommend working with Vema Mortgage

I worked with Sebastian George to buy a property in Michigan while living in Maryland. The loan process in general is difficult but it is even more challenging when you live in a different state. Sebastian constantly kept in touch with me to ensure I was informed each step of the process. He worked one on one with me to ensure that I had the correct documents during the under writing process. This was a very smooth purchase especially for someone buying property in another state. I only had to travel to Michigan on the final day of closing to sign papers. Everyone I interacted with was responsive and knowledgeable. Each interaction with Sebastian proved to me how experienced he and his team was. I highly recommend Vema Mortgage to anyone considering to purchase a home or refinance.

Sebastian , Johnson and the entire team is amazing and they helped me throughout my mortgage process and made my first house buying experience super easy. They were available to answer my questions even in late hours on weekends too. They helped me get a great mortgage rate as well. I highly recommend Vema Mortgage.

Your search for best mortgage company who is a customer advocate, takes care of and offers best rate with quick turn around then don't look any further. I've worked with Ramesh Nagarajan twice and my experience was completely delightful.

Sebastian and Manju were extremely professional , timely with their responses and are always available to answer all questions Their working hours are really customer friendly- 9a to 9pm I would highly recommend considering them for your home loan needs

It was a great experience working with Manju Kizha. I have worked for my house refinance she helped me to get the best rate. I would recommend her as she is very professional and helped with all the starting and closing of the home . We highly recommend as she gave us Steller service and she is just the best at her work!

Sebastian and his team kept me posted and helped out with all the necessary steps needed from pre-approval to closing of our first home. Will definitely recommend Vema Mortgage for a hassle free experience.

@Chirag Rachhadia, performed my mortgage processing and completed on time. He is so professional and responsive on work. Fully satisfied with his service in my house purchase process.

The Vema Morgage team is incredibly professional, supportive, efficient, patient, honest, transparent...in one word - EXCELLENT! From the very first call until after closing, the entire Vema Mortgage team was incredible. My husband and I are first-time homebuyers and working with Sebastian, Johnson and the rest of the Vema Mortgage team was one of the best decisions we ever made. We shopped around with multiple banks and credit unions to get the best rates possible, but the Vema Mortgage team not only offered us the best rates, but also the best service out of all of them. When we needed a pre-approval letter, Sebastian had one ready for us within 30 minutes. Sebastian and Johnson navigated us through the entire loan process, patiently explaining anything we did not understand. Whenever we had questions, they were always available any time we called. We are still in shock at how smooth and low-stress the whole process was. We honestly could not have done this without Vema Mortgage and we cannot give them a strong enough recommendation.

Sebastian and Manju has been very helpful every time we contacted them. They explained everything in details and provided us a very low rate compared to other mortgage companies. They made closing very smooth. I highly recommend them for your home mortgage.

Sebastian has been an awesome loan officer for us when we did a Refinance with Vema. He works 24X7 literally. All phone calls picked without any delays. Right from the initiation to documentation to closing - We were kept well informed at every stage. Sebastian was very patient in explaining the documentation and the numbers at each stage of the application. He is well versed and we did not see any errors or repetitive work. I am glad he got us good interest rates. If i buy another house, it will be through him and Vema for sure. Sebastian, keep up the good work!

I'm a first time home buyer and I got Sebastian's contact through my friend. He rated him highly and recommended to me. The day we started working together, he lived up to all my expectation, right from my first day. He is extremely professional and highly knowledgeable in mortgage domain. He educated me with the home buying process very well. He offered me the best rate and conditions compared to other lenders that I got quotes from. He is accessible and responsive ALL times, may it a late night or early in the morning. Sebastian is highly dependable and I recommend everyone to work with him to have a smooth closing and peace of mind. In my overall experience, Sebastian works in buyer's best interest.

Sebastian has been very helpful ever since we contacted him. He explained everything in details and provided us a very low rate compared to other mortgage companies . He was available to talk at any time and always was very responsive. A great closing experience with his team and an overall experience was just amazing.

It was a great pleasure working with the Vema Mortgage LLC, Sebastian & Team( Manju , John) .Each and every team member gave their best and helped us in purchasing a new home. Especially in our case which is quite different than others which involves sale through owner who stays outside US and we as a first time home buyers, they have handled the situations with nice guidance and completed the process successfully. You guys are the best

My mortgage refinance experience with Vema Mortgage LLC was very good. They are very prompt in clarifying all my questions. Closing was done on-time very smoothly w/o any issues. I will definitely work with them for my future mortgage needs.

I recently worked with Vema Mortgage for home loan and it was a nice experience. Johnson helped me throughout the process and he was very prompt to respond to any questions even in off business hours, really appreciate him. The overall process was smooth and timely to close the deal. Thanks again to John and VEMA team who worked in the background .

When there were many unknown things for a first time home buyer like me, Johnson was there with me right from step 1 until my closing where he and Sebastian helped me to process and close my loan within a short period and right on time which is less than 2 weeks. Their communications, follow-ups and directions provided during each step was really appreciative. I had shopped with multiple lenders but Johnson went an extra step and gave best interest rate in the market during that period.

Worked with Ramesh for refinancing my house. Got the best service in securing loan. He provided quick response to any question. He is very knowledgeable and gave very detailed answers. He never pushed me to lock the loan. I got the best rate comparing with other companies. I would definitely recommend him to my friends.

As a first time home buyer and was having lot of questions. Vema Mortgage LLC, Sebastian, Johnson and team helped ne to understand the process and smooth approval of home loan. So, thank you Vema Mortgage team for your patience and availability. Here are few points I want to add which makes Vema Mortgage one of the best lender to go with; Very competitive rate- I had 3 home loan quotations and Vema mortgage offered me best quote. Reachability – I was dealt by Sebastian and Johnson and they were available any time (From 8AM till mid night, 7 days a week) to talk and for clarification. Security - It was made sure by established communication through Vema and Title company to make transition Fraud proof,

My experience with Vema Mortgage was very satisfied. Sebastian and his team were well knowledgeable and supportive to process my mortgage smoothly. I highly recommend to choose Vema Mortgage.

Lender was great. Sebastian was very proactive in helping me with the documentation and eventually the closing. All through the process they were very responsive, Patient with my queries and helped me understand the process. The whole team is great in communicating the bottlenecks , missed paper work and numbers.

It was great working with Vipul for mortgage application. He was very helpful throughout the whole process and very responsive. He would go above and beyond to help his clients in any way possible. Would definitely recommend him for all your further mortgage needs!!!

Sebastian helped me with my mortgage for my first home . Needless to say that first time home buying process comes with tons of questions . One is cautious, nervous and has this mixed bag of feelings where you don't want to make any mistakes .Sebastian and his team made things so easy for me right from the go . I got my pre-approval letter within a matter of hours and they closed my loan process within 10 days . Given that this was my first house I wanted to understand things in details out of curiosity . The VEMA mortgage team (Sebastian, Johnson, Laxmi & Manju) answered each and every question , explained each and every line item in the final CD with patience and a smile on their face .They kept me updated constantly on what was to come next and what needs to be started and completed ASAP. The title company they got me in touch with - Calvin from Everest title was good to work with too . He came in fully prepared on the day of closing and we closed in less than 30 minutes .First home buying is a unique experience for anyone . Thank you VEMA mortgage for making it so stress free and special for me . I would highly recommend Sebastian and his team .They will work hard for you and get you the best deal on your mortgage .

I worked with Vema Mortgage as my lender to purchase my house. The whole process was completed in 3 weeks to meet the closing date I preferred. The whole vema mortgage team is knowledgable to explain every detail at every step especially for the first home buyers like me. Sebastine, Johnson and Lakshmi are really a good team to work with.

If it was not for Manju at Vema I do not think I would have had a good experience with my house buying process. Manju is extremely thorough & very communicative and explained everything even before I asked her. Highly recommend this mortgage lender!

Vipul has been helping my clients for the last few months, every client told me how great of a job he does. This time Vipul has helped me with my loan and he did a fantastic job. I would highly recommend Vipul for loans and refinancing, because he is great at it.

I worked with Vipul @ Vema Mortgage LLC for a 30 year loan on a new home purchase. Vipul is very timely and highly responsive and provided excellent service throughout the loan process. Everything is done ahead of time and as promised. Vipul always provided me the right information at right time (like the current mortgage rates, approx closing costs, time frame etc) and the entire process is like a breeze. I highly recommend Vipul for anyone looking for a mortgage loan.

It was a great pleasure working with the Vema Mortgage LLC. Especially Manju Kizha has provided a great support to solve the problems during the loan process. She answered very patiently for all my repeated questions. She is awesome to handle the things. Thanks to Vema mortgage team and My special thanks to Manju Kizha.

It was a great pleasure working with the Vema Mortgage LLC. Especially Manju Kizha has provided a great support to solve the problems during the loan process. She answered very patiently for all my repeated questions. She is awesome to handle the things. Thanks to Vema mortgage team and My special thanks to Manju Kizha.

We had an awesomely great experience partnering with Vema Mortgage loan officer Mr.Sebastian George. He is very knowledgeable, subject matter expert, reachable and provides timely responses to all the queries; especially for a first time home buyers, this is very critical. Sebestian and team worked tirelessly for clear to close within stipulated timeline despite of challenges that presented itself due to supply chain issues.I would recommend Sebastian and the team Johnson and Manju for their commendable work they do.

Working with Sebastian was great. His advise was really valuable and trust worthy. His team helped me with all the necessary steps needed from pre-approval to closing of my rental property. I'll definitely recommend his mortgage company for anyone for a hassle free experience. Thank you for all your hard work to make my property purchase easier.

Vipul and Vema Mortgage has been great help for us during our process of securing funding for our new home. Vipul wa always available and secured the funding in very short period of time. He is very efficient and transparent about the terms and conditions. Thanks Vipul and Vema Mortgage

I worked with Vema Mortgage as my lender to purchase my house. The whole process was completed in 3 weeks to meet the closing date I preferred. The whole vema mortgage team is knowledgable to explain every detail at every step especially for the first home buyers like me. Sebastine, Johnson and Lakshmi are really a good team to work with.

Amazing experience with the loan processing, fast processing. Investment property loan is closed in 2 weeks, never heard of. All this happened due to Loan processor (Manju) creativity in handling the under writer queries. GO TO LENDER for any home loans. Best rates and low closing costs.

I had a Very good service from George & Johnson from VEMA Mortgage. I am a first time home buyer. I have lot of questions regarding Mortgage & other things. They helped a lot on each step.

It was a great pleasure to work with Chirag. We closed our house very much on time as promised. He is very responsive and never hesitated to answer questions at anytime. He knows what he is doing and very much professional. I highly recommend him and also looking forward to work with him in future. Thank you Chirag!

Sebastian and team are the very best. Friendly staff like Johnson, Manju are very helpful in answering questions and got me best rates in time. They were very prompt and helped me the process seamlessly. Highly recommend them for mortgage needs.

I had a smooth experience with Sebastian and Johnson at Vema, as a first time homebuyer they guided me through the process very well. There were some glitches with my application, which were very well resolved by Vema, they went out of their way to ensure that all the boxes were ticked. I would recommend them without a doubt.

It's my pleasure to write a review for Vema Mortgage and especially about Ramesh Nagarajan ! As a first time home buyer I had so many questions. Many things were unclear to me until I spoke with Ramesh over the phone. He was very patient and explained each and everything that I was unclear earlier. He educated me with lots of stuff in mortgage loans and walked me through the entire process. He had several check points to ensure that everything is going on it's way. Whenever I message him with a specific question he would just call back and clarify it with crisp answers. I would highly recommend anyone to try Vema Mortgage and Ramesh Nagarajan if they are looking for one. Thanks again Ramesh!

Chirag did a great job, got me a super competitive rate which beat all the other offers i had. Everything was completed seamlessly in a timely manner. He was patient to address all my questions. All the options were put forth for me to decide and there was no aggressive sales push to go for the ARM options. I’d highly recommend him.

I would like to acknowledge the exceptional service that I received during the entire mortgage process from Verma Mortgage LLC. Sebastian and his team did an exhaustive search to get you the best rate and find the best mortgage program available. Their ability to structure solutions and find advantageous financing sets them apart. I am very thankful for Verma Mortgage professional, responsive and honest assistance with the whole mortgage process from beginning to end. Every member of the team made himself available to me via all communication means - email, business phone or cell phone, which I appreciated. Thank you, Sebastian! You are highly recommended

Vema Mortgage was very professional and made the entire process super smooth and easy for us. Everyone at Vema that I interacted with were extremely knowledgeable, responsive and accessible. As a result, we were able to close the purchase much earlier than we originally anticipated. Their rates were the best in the industry, better than country's "top online mortgage lenders". For me, it was ~250 basis points lower that the top online mortgage lender. I would highly recommend Vema Mortgage to anyone who is looking to buy house.

I was glad to choose VEMA, the process has very easy with their team. They have been very patient in explaining at every step of process. As a new home buyer I have been informed of the needed documentation upfront and I have been referred to right people for additional support. Most important of all is quick response and being available to talk for any questions. Support by their team over the weekends has helped expedite my processing. Look forward for their continued support in the years to come.

Great team! They are very professional, extremely knowledgeable and always available to answer questions anytime. They made the whole process very comfortable and quick. Thank you Vema team!

Sebastian, Johnson and Manju have been very helpful every time we contacted them for our mortgage needs. They were patient to understand our needs and was able to help and guide whenever there were questions and made sure that the overall mortgage process was on time and smooth. They always followed up during the whole process and ensured that we got the best rates when compared with other competitors. Thank you very much and would recommend them for your mortgage needs

My refinancing with Vema mortgage turned out be an awesome experience this time. I had few times mortgage refinance and this time I chosen Vema mortgage after many searches, my Loan officer Ramesh Nagarajan. Ramesh really knew his stuff, helpful, responsive, but beyond that he also suggested better options to navigate to best one. The whole process was easy and digitalized, I was kept informed the every step of the process. The Vema team is my go to lender and closing table was finalized within week and closed under 10 days. Thank you Vema and Ramesh!

In the Current Market Condition, the Home buying experience is rough for the buyers, especially first-time homeowners like me. I thought finding and arranging the right Mortgage and locking the correct rates within provided time would be more hazel. Luckily found Ramesh Nagarajan, Vema Mortgage. He offered me the best rate where no Mortgage company was able even to come closer to that, and to my surprise, he completed all the formalities and got the loan approved and clear to close in a week. My experience with Ramesh Nagarajan and Vema Mortgage is excellent, and He WoW me with his attitude and customer experience. He is very quick and prompt in his response (text and calls). Very satisfied Thanks Very much, Ramesh

I had a fantastic experience working with Vipul. He is very responsive and helpful who goes above and beyond to get the best rate for his clients. The entire refi process was a breeze and absolutely no surprises. Great team to work with. Highly recommended!

Sebastian and others at Vema are very helpful and a pleasure to deal with. They offered one of the best rates in the market, and they also made my first home buying experience very smooth.

I'm a first time home buyer (Aug 2018) and I got Sebastian's contact through a friend. They rated him highly and recommended I work with him and Sebastian lived up to this right from my first contact. He was extremely professional and highly knowledgeable. He educated me with the home buying process as well. He offered the best rate and conditions compared to other lenders that I got quotes from. He is accessible and responsive ALL times. Sebastian is highly dependable and I recommend you work with him to have a smooth closing and best rate. In my experience, Sebastian works in you best interest. Update - I recently refinanced (Sep 2019) and Sebastian was the 1st (& only) person I reached out to. For a second time in a row, he gave me the best rate and we closed on time with no surprises. He is great to work with and extremely knowledgeable with the process and never fails to amaze you with his workmanship. If you are shopping for home loan, Sebastian is your guy and I highly recommend working with him.

Excellent support!!! We are so fortunate in getting connected with Sebastian George for helping us in buying a home. His friendliness and professionalism made all the process smoothly and were able to complete it on time. He gave the best rate available in the market. He was there in every step of the way giving us honest advise and direction. He is always prompt in replying any time of the day for clarifying all our first time home buyer questions. I would highly recommend Sebastian George to anyone who are in need of looking for a mortgage agent. Thanks Sebastian George for the immense support throughout the process.

Had a fantastic experience with my refinance application. Chirag understood my need and provided awesome support!! Very quick and quality service. Thank you Chirag and team !!

We are first time home buyers. Vema Mortgage customer service is excellent. Sebastian made the Application, offer and acceptance process quite simple, easy and quick. Sebastian always answers his phone, no matter the time and answered all our questions very patiently. He was there with us right from the beginning of the loan process to closing of the house and explained each and every step of the process clearly. I would definitely recommend Sebastian. 0 0 0

Being a first time home buyer, I was very worried about the loan origination and closing process. However, Sebastian made things very easy for me. Not only did he give me a great rate but also helped me to take sound financial decisions. I did talk to multiple lenders but Sebastian beat them all. It has been great working with him professionally as well as personally. He is a great human being and will take all efforts to make you comfortable with the process. I highly recommend him for your next mortgage purchase.

Mortgage Refinance Made Easy <-- Simple but most meaningful way to put my experience Sebastian/Vema Mortgage complete the job in very professional way in a record time that I couldn't believe. It was me who took more time in supporting them with required information and they are really quick, detailed, supportive and lived to their word on numbers. Surely recommend