Ernest did both the loan and the purchase. I never had to forward an email between two people, and I never had to explain anything twice. It was the calmest financial decision I have ever made.
Ernest did both the loan and the purchase. I never had to forward an email between two people, and I never had to explain anything twice. It was the calmest financial decision I have ever made.
We had to be out of our old house and into the new one before school started. Ernest got us a cash offer accepted on a place we loved, then closed our existing home six weeks later. No bridge loan, no temporary rental, no panic.
I have worked with five agents and three lenders over a decade of buying small multi-family. Ernest is the first person to handle both sides without me having to be the project manager. He thinks like an underwriter and writes offers like a closer.
I went to Ernest expecting to refinance. He ran the numbers, looked me in the eye, and told me it didn't make sense in my case. That honesty earned every future referral he has from me.
We came in nervous about credit and walked out under contract within forty-five days. Ernest explained every step the way you would explain it to your own family. We knew exactly what we were signing.
As a freelance designer, every lender treated me like a problem to be solved. Ernest treated me like a client. He knew exactly which program fit, structured the loan around real income, and got us in.