It all boils down to comfort. Are you comfortable working with a loan officer that is in another state; to which you cannot put a face? What about past client testimonials; does your loan officer have those online for you to review?
If you haven't already done so, be sure to visit my Get to Know Me page. Then check out the testimonials below.
"I was constantly updated every step of the way and you took the time to explain the "why" any time I had a question. I would not ever want to work with anyone else. I was involved every step of the way. Michael jumped through hoops and took all the worries away. I can't say enough!" To see a more detailed Testimonial from Sherry, please click here.
-Sherry & Roger Sears, Musella, GA
"Mike was always professional and easy to work with. He has awesome follow-up skills. Although he was/is in another state I felt like he was right here with me during the whole process. His upbeat personality was refreshing and appreciated. I wish Mike continued success in the future! I will gladly do business with Mike again in the future and I will recommend him highly to my employer Wal-Mart for their relocations! Thanks!"
-Gayle Y. Voss of Jonesboro, AR
"Michael is a dedicated, true professional! We only wish would could have met him face-to-face at our closing."
-Bill & Sharon Foley of Elizabeth City, NC
"I went through Lending Tree. We got a hundred calls a day. The first time that I talked to Mike was on a Sunday, I was surprised that he answered my call. I was skeptical about doing business online, but he eased my mind. It didn't matter what time that I called Mike, he always had time for me. This guy really works hard for his customers. Mike, I will be sure to recommend you to family and friends. Thanks so much for your outstanding way of doing business."
-Kevin & Crystal Potter of Breaks, VA
"I have always been skeptical about doing business online because you never "really" know who you are dealing with. I have since changed my mind after my great experience with First Omni and yourself. I will be sure to recommend you to both my friends and family! Thanks again for the level of "Ease of doing business" that you added to this transaction. You know your stuff and it was very refreshing to find someone that knows the ins and outs. THANK YOU!"
-Teesha Davis of Ardmore, AL
"In the summer of 2006, I was able to purchase a home all by myself after a terrible divorce, despite some 'not so good' credit. Mike eased my fears and worked diligently to get me in a house at the best possible rate. I later used him to refinance that house (January 2008) and I plan on coming back with my next home purchase, I highly recommend that you do the same!"
-Tracey DuBose of Deatsville, AL
"I was apprehensive about dealing with "online lenders". I received about a dozen calls, but Michael Creed proved to have a genuine concern about ME, not just making money from someone he would never have to see face to face. He kept me up to date every step of the way. He informed me of upcoming things so that nothing caught me by surprise. I even closed my loan at my dining room table. Michael is a consummate professional but he has a care and concern for others. I feel sure that you can find confidence as well as something in common with Mike. Thank you so much for all your help."
-Jimmy Gravely of Pickens, SC
"When you apply online you don't know what to expect. We received many responses to our application. We called a few, but by far we liked the way Michael interacted with us best, initially. It doesn't take too long into the process when you realize that Michael is the real deal. With his energy (you can just sense it in the emails and the phone conversations), and his "get things done" kind of attitude, you feel secure in working with him and First Omni. I believe I asked Michael every question I could think of during the process and he always answered to the fullest. I would work with him and First Omni any time I need another mortgage."
-Kim Spring of Muskegon, MI
"Congratulations to your and your family on your new son. I am so happy for you. You can count on me to send people your way. You were great and I sure do appreciate the job you did for me. In fact, what you did for me enabled me to move forward in my life, retire from Respiratory Therapy after 30 years and open my own business. I now am owner and manager of my own Merle Norman Cosmetics Studio at The Wharf in Orange Beach, Alabama. This is the new hot spot in our area. You can go online and check out The Wharf. It is great."
-Patti Howard of Gulf Shores, AL
"I thought, like a lot of people, that my past credit problems would keep me from qualifying for a home loan or, if I did qualify, I would have to put down a large sum of money (that I didn't have) and end up with an exorbitant interest rate. First Omni Mortgage Lending and Michael Creed divested me of those negative thoughts. I was assigned a loan officer (Michael Creed), pre-approved for a home loan and had a locked-in rate within 24 hours. I received an e-mail that detailed the loan process and what I would need every step of the way. One of the best things about working with Michael Creed is that he tailored the process to fit my needs. He asked me how I would prefer to be contacted and when I told him via e-mail, he said "no problem". I received all the information I needed online and when we needed to talk via phone we did. This was a huge help because I was transitioning from one job to another and was overwhelmed with meetings and unavailable by phone often times but this didn't stall my loan process whatsoever. E-mails from Michael Creed were all I needed – which provided just the right amount of information and detail – to take me from contract to closing. This was by far the smoothest process and Michael Creed made the difference. He is knowledgeable, courteous and treats you like a good friend buying a home instead of just another client. I never felt like I was bothering him by asking questions. I have honestly had car purchases that were more painstaking and stressful. I will definitely be doing business with First Omni Lending and specifically Michael Creed again. Plus, I will be telling all my friends and family that before you shop elsewhere for a home loan check with Michael Creed first."
"The service we received was outstanding and Michael went above and beyond! We couldn't have been happier in the way that our loan was handled and how we were treated by Michael Creed and First Omni! Thanks..."
"We were with another loan company that we were unhappy with. We applied on the internet and were given a bunch of different companies to work with. The only one out of the group of companies that caught our attention was Michael Creed with First Omni. He returned our calls immediately not hours or days later. He kept us informed daily on the progress of the loan and you could call him any time with a question and he got back with you immediately! We would recommend Michael Creed with First Omni to anyone. So get rid of your worries because you won't be sorry if you call Michael Creed today!!"
- David & Penny Prater of Taylorsville, KY
"Working with Michael Creed & First Omni was the best decision I could have made. This was my first home buying experience, and Michael's attention to detail and proactive nature ensured that the entire process went smoothly from start to finish. If you have mortgage needs, I highly recommend working with Michael.
You often only hear about home buying horror stories, but the process doesn't have to be a bad experience. In fact, this process was much easier than I ever thought it could be!"
"Mike, you'll never ever have to worry about my referring anyone your way, because you will always be the #1 choice in my book. As a matter of fact, you will be the only one I use from now on when making real estate purchase/refinance decisions (I'm thinking about possibly keeping and refinancing my old home). Finally, CONGRATULATIONS again and regards to the family...Have a safe and enjoyable Memorial Day weekend."
-Tyler Brown of Clarksville, TN
"I worked with Michael Creed & First Omni, on my first mortgage a few years ago. I was nervous about the online loan process, but Mr. Creed was much more knowledgeable and supportive than local loan advisors. When I was considering a second mortgage, I immediately contacted Michael first. I would recommend online lending to everyone, and for added professionalism and quick response call Michael Creed.
I like Michael because I feel that the knowledge of my mortgage banker and the ability to provide immediate assistance and support is imperative; Mr. Creed was great at providing all of this at any given time. I feel that it is crucial to work with someone who can answer any question you may ask when you are dealing with financial questions. Mr. Creed certainly met this requirement both the first and second times we worked together."
- Derrick Craddock of Martin, TN
"If you need a home mortgage, we highly recommend using Mike Creed of First Omni. Mike was absolutely the best - he was knowledgeable, professional, and very responsive to our needs. Using an online lender was a breeze, all went smoothly even though we live in Virginia and purchased a home in Wisconsin. Give Mike a try, I guarantee that you will be as pleased!"
"Our experience with Mike at 1st Omni was a positive one. We had several people trying to give us a loan but we chose to go with Mike. The main reason was his constant communication and attention to detail. He was very positive and upfront with us. Very strong attributes. If we weren't sure of something, Mike was able to put it in terms that we could understand. We have nothing but excellent things to say about Mike and 1st Omni Mortgage Lending. Thanks again Mike."
"We dreaded the refinancing process until we found Michael Creed at First Omni. Our last loan experience was time-consuming, tedious, and we were always left guessing. Michael did all of the work, answered every one of our questions, and was superefficient. We were very impressed with Michael's professionalism and how knowledgeable he was throughout the entire loan process. He kept us well informed every step of the way! We will definitely do business again in the future!
A few months later, we found a home out of nowhere that we fell in love with. We came back to Michael to for the mortgage to buy that home and he processed it through the VA loan program at our request. We closed about three weeks after we started the VA process! The experience was just like the refinance and, like we said before, we will definitely do business again in the future!"
-Dave & Tina McDowell of Valparaiso, IN
"Michael helped me tremendously in understanding my different options. He was always available and quite patient with me. Willing to work with me on email versus phone which was a much smoother process for me. I was in a mortgage situation that was not financially beneficial for me and Michael worked with me to find the best option that would much better suit my needs. He was easy to work with and readily available. I would definitely work with him again."
-Sharon Butler-Pearson of Germantown, MD
"There was excellent communication between us and our agent Michael Creed - we felt we were always in the loop. Outstanding service was provided and our questions/concerns were dealt with on the highest of consideration and respect. From beginning to end - the process of applying for & obtaining the mortgage was made with great ease and total respect for all parties concerned. Michael Creed is a definite asset to First Omni."
- Tim & Jackie Donoghue of Malden, MA
"When I started this online transaction I was very uncertain of how safe and easy it would be. I was quite surprised to find that Mike made sure that my personal information was safeguarded and he made sure that when he requested info from me he didn't request one thing at a time, he gave me the list and that was it. He saved me a lot of time and stress. His communication skills are great and he is very sincere about his position and role when it comes to helping his clients; I never had to wonder what was going on. It was a very smooth transaction and I highly recommend his service and his company."
-Brian Shelton of Savannah, GA
"The best part about closing my loan was that it only took 9 business days from start to finish. The thing that amazed me is that we had a 14 percent decline in value in my area and Mike found a way to make my refinance work for me. He never called with excuses, but always had options. That is professionalism at its best! I went through two other mortgage companies before returning to Mike (he closed my purchase for this same house two years earlier); I will start with him from now on. As long as he is in the business, I will be returning to him. I expect to buy a house in Florida within the next few years and he will get that business."
NOTE: I have only been gathering third party testimonials for a short time; this list will grow each month!
"My customers picked Mr. Michael Creed from First Omni Mortgage to handle their loan and I found him to be very professional in handling my clients who are first time buyers. We had a 30 day closing that was finished and ready to go within 2 weeks. Wow and Wow!"
- John Slayton - Realtor with Linton Hall Realtors of Gainesville, VA
"[This was] The smoothest Loan processing I have ever had when working with different loan officers. Michael Creed really made the whole process easy and fast. I am sure my client was very happy and surprised how smooth everything went too. I couldn't have felt more confidence with any other Loan Officer."
-Tari Ekpebu - Realtor with Keller-Williams of Kinstown, VA
"I was skeptical about working with another online lender since it had been such a problem in the past. However, Michael Creed was very easy to work with. His great communication kept me in the loop the whole time. It was a very positive experience and I will be sure to utilize his service again. I would also recommend Michael Creed to other Realtors."
"I recently had a client do a refinance with Mike, and it was a very pleasant experience, Mike kept my client in the loop as to the process of the refinance and also myself. He also provided us with all of the documents we needed and responding quickly to any of my clients needs and well as getting the file to the closing table quickly."
- Kathy Belanger, Paralegal to Attorney Scott McCuin of Glastonbury, CT
