Conventional Loans in Detroit, MI

• - 5/5

In Years Past, Warren has helped me refinance my home twice reducing my debt each time. He is a great guy and you will enjoy him immensely and be pleased by the reduction in your monthly mortgage payments. I highly recommend him to you. :-)

• - 5/5

We could not be happier with C2 Financial Corporation and specifically Joseph Chacko, who managed our loan process. We have used him in the past with such a great experience that when it came time to purchase a new home, we went straight to him for our loan needs. He helped us work through our options with patience and professionalism, and when it came time to process the loan and take it across the finish line he prepared us every step of the way, reliably and efficiently. Thank You!

• - 5/5

C2 Financial Corp, my lender for my first house, demonstrated excellence throughout the process. Their expertise and personalized approach ensured a smooth journey. I highly recommend their services for a seamless home-buying experience.

• - 5/5

The best knowledgeable loan officer We had a great experience with Joseph for our first home buying. As a first time home buyer I had many questions which were answered in detail and also Joseph had also explained various other options that are available to me which was really helpful especially in the seller’s market. From pre-approval through closing the process was stress free. Our loan was processed in 7 days. & the closing was done within 21 days . Joseph also provided us the closing cost estimate which was very helpful for the first time home buyer’s. Joseph and Martha are very knowledgeable and responsive, always happy to answer my questions and also provide me best solutions. I highly recommend Joseph chacko and team for smooth loan process.

• - 5/5

Joseph is easy to work with, very knowledgeable, prompt and most importantly has the numbers right with no surprises at the end. I would go back to Joseph for my next refi or buying

• - 5/5

When another lender backs out on your loan, C2 Financial Corp steps in to secure it for us. I wholeheartedly endorse Joseph and his team for any home loan requirements. They exhibit exceptional expertise and competence in their work.

• - 5/5

My personal experience with C2 Financial Corp was very positive. Being a first time home buyer, I had lot of financial queries and many a times, Mr. Chacko himself or his associates were patient enough to clarify, guide and answer all of these queries no matter how trivial it was. Overall I had a pleasant experience and would recommend C2 Financial Corp for any home loan or refinancing needs.

• - 5/5

Joseph Chacko and the team were excellent to work with. Joseph and his team helped in every way possible and answered all the queries quickly, and the response time for queries was very quick. I closed the loan on time and was also able to get a good rate. I would recommend them to anyone who needs a lender. Thanks to Joseph Chacko's team - Martha and Deanna.

• - 5/5

As a Realtor, I've had the pleasure of collaborating with Joseph Chacko and his team on several transactions .Their expertise in the realm of real estate financing is truly commendable, and they consistently demonstrate a dedication to providing top-notch service to my buyers. What stands out about Joseph Chacko is his unwavering commitment to client satisfaction. They take the time to thoroughly understand each client's unique financial situation and work tirelessly to find the best loan options tailored to their needs. Whether it's guiding first-time homebuyers through the mortgage process or assisting seasoned investors with complex financing arrangements, Joseph approaches every situation with professionalism and a genuine desire to help clients achieve their real estate goals. When it comes to Home Loans, Joseph Chacko will be the first person that comes to my mind all the time. No wonder he ranks in the top 100 loan originators in the country.

• - 5/5

Exceptional service from start to finish! Our experience with C2 Financial was nothing short of fantastic. Their team was incredibly knowledgeable, attentive, and supportive throughout the entire process. From securing a great rate to seamlessly guiding us through each step, they exceeded our expectations. We couldn't be happier with our new home and highly recommend C2 Financial to anyone in need of a mortgage.

• - 5/5

Worked with Joseph Chacko to buy our first home. His team gave us the lowest rate, and our sellers wanted to close it within 3 weeks and Joseph Chacko was able to accommodate our request and do it even faster. Would definitely recommend his services and also would be my first choice.

• - 5/5

Exceptional Service!! We recently worked with Joseph and team for our home mortgage, and I must say they provided us a phenomenal service! From the initial consultation to the closing Joseph and his team constantly are on top of all the things that needs to done. We highly recommend C2 Financial Corporation, those who are seeking mortgage needs.

• - 5/5

Really happy to work with Joseph. He is very professional and trustworthy and we like to appreciate all the assistance he provided us to secure the loan.

• - 5/5

Joseph has been very helpful in getting all the home mortgage paperwork ready for us. I didn’t have to worry about anything during what is always a hectic and stressful time from putting an offer for a home you love and closing on it. Much thanks! Highly recommend Joseph for your future home buying needs!

• - 5/5

Joseph Chacko was great. His team was very efficient in gathering documents and completing the process in time. We had some delays from the lenders side but Joseph intervened at multiple times to get everything completed. Overall great experience. I will definitely go back to him for our next mortgage.

• - 5/5

Joseph is an extremely sharp and helpful mortgage consultant. He is available round the clock to help guide me through my process of buying a property. He doesn't try to sell his business and works in the best interest of the people. I was referred to Joseph by a friend and now I know why. I will also continue to refer him to my friends and continue using his services for any of my property needs.

• - 5/5

I had the opportunity to work with Joseph at the recommendation of my realtor for my home loan. He was very receptive to my requests. He explained to me everything very clearly and communicated all the pros and cons of different options. Joseph was in touch with me each step and kept me updated with all the process. He has a wealth of knowledge and was on point with all of his recommendations. Very satisfied with working with Joseph and use him again when I need to refinance. Thanks Joseph

• - 5/5

My experience with Joseph Chacko as my loan officer was outstanding. His excellent communication skills, ability to address all concerns, and prompt handling of the process set him apart. Joseph had the best rate and lowest fees for our unique loan situation. I wholeheartedly recommend Joseph to anyone seeking a dedicated and knowledgeable professional in home loans. It was a pleasure working with him, and I am confident that others will find the same satisfaction in his excellent service.

• - 5/5

I highly recommend Joseph Chacko as an exceptional loan broker. Throughout the challenging process of securing our loan, Joseph demonstrated remarkable patience and professionalism. He adeptly navigated the numerous and often unexpected requirements from the lender, ensuring that every detail was meticulously addressed. His dedication and unwavering support made a significant difference during this trying time. Joseph's expertise, coupled with his calm and reassuring demeanor, provided us with the confidence and peace of mind needed to successfully complete the loan process. We are immensely grateful for his outstanding service and highly commend him for a job well done.

• - 5/5

I had an excellent experience with Joseph Chacko and his team. They provided outstanding service when we needed it most. The entire team was courteous, knowledgeable, and their exceptional communication kept us informed every step of the way. Their professionalism and commitment were evident in every interaction. We felt supported and confident throughout the mortgage process, thanks to their expertise and dedication. I will definitely return to Joseph Chacko and his team for any future mortgage needs. Their exceptional service, knowledge, and communication make them a top choice in the industry.

• - 5/5

We had an exceptional experience working with Joseph Chacko throughout our first home purchase process. He was incredibly helpful, knowledgeable, and always available to answer any of our questions and concerns as new homeowners. His guidance and dedication made the entire process smooth and stress-free. We highly recommend Joseph Chacko to anyone looking for outstanding service in their home-buying journey.

• - 5/5

George Sebastian was an excellent broker, he was available 7 days a week even late hours to make our loan process as soon as possible. I am a business owner and had complicated taxes but he was still able to get the loan processed in about two weeks which was much quicker than we were expecting. Also our interest rates were lower than anyone else was able to quote us which was amazing.

• - 5/5

I cannot recommend Sebastian George Mortgage highly enough! From start to finish, they were an absolute professional, guiding me through every step of the mortgage process with expertise, patience, and dedication. The mortgage deal I got through Vema was very good and they offered the lowest interest rate too! I’m incredibly grateful for Sebastian’s support and would recommend them to anyone in need of mortgage assistance!

• - 5/5

Mr Vikas Patel is knowledgeable and prompt in providing suitable option for mortgage, as i am with a very unique situation. He listened to my case , understand it and kept trying until all the requirements met. He kept me updated with call/text throughout the process. I never felt that I am being ignored, despite my unique demands. I appreciate all his efforts. I recommend his service.

• - 5/5

I had a fantastic experience with Sebastian when we were buying our new house few months ago. He was very prompt, diligent and patient with my questions and provided me with the best rate possible in the market. Would highly recommend him and VEMA mortgage for your mortgage needs.

• - 5/5

I’m a realtor here in Charlotte, NC, and PT Johnson helped one of my clients purchase a home. From start to finish, he and his team made the process smooth and stress-free. We had zero issues and even could’ve closed ahead of schedule if needed. Definitely a 5-star experience—highly recommend PT!

• - 5/5

Working with Vipul was such a smooth and stress-free experience. Right from the start, he was super helpful, walked me through everything, and made sure I understood each step of the mortgage process. I'd definitely recommend Vema Mortgage to anyone looking for a great mortgage experience.

• - 5/5

Sebastian is incredibly professional and was a tremendous help throughout my mortgage application process. He explained every step clearly, was always prompt in responding, and worked patiently to answer all my questions. His customer-first approach truly sets him apart, and I have no doubt it will take him to great heights. I highly recommend Sebastian for his outstanding service, dedication, and support!

• - 5/5

Vema offers very good deals on mortgages, their interest rates are the lowest. They are highly responsive, understand customers needs and always do what is right for their customers. I had the opportunity to work with P.T. Johnson who assisted and guided me through out the process, he was available to talk to me at all times including Weekends and night/early mornings. He got me the best deal which could not be matched with any other lender, educated me on so many aspects of mortgage loan and home buying that I did not know. My home buying experience turned about to be positive only because of Johnson. He is the best, I am so glad I got to know him and got my mortgage through him.

• - 5/5

I had an incredible experience working with Sebastian George from Vema Mortgage. From start to finish, he assisted me in all phases and made the entire mortgage process smooth and stress-free. He was professional, knowledgeable, and always ready to answer my questions, no matter how small. He took time to explain the different options available and helped me to find the best rate and terms that suited me. Thank you Sebastian for the help and support. I highly recommend you and Vema Mortgage to anyone looking for a reliable and supportive mortgage lender. They truly go above and beyond for their clients!

• - 5/5

I cannot speak highly enough about my experience with Chirag Rachhadia/ VEMA Mortgage LLC.. From our initial consultation to closing day, he provided exceptional guidance through the entire mortgage process. He answered all my questions promptly and explaining complex terms in easy-to-understand language. He found me the best possible rate without any additional costs. His efficient processing helped me to close the loan on schedule without any delays. I highly recommend Chirag to anyone seeking a mortgage—he truly put his clients' needs first and make what could be a stressful process surprisingly smooth.

• - 5/5

We recently got a mortgage from Vipulbhai at Vema Mortgage. As first-time homebuyers, my wife and I were honestly overwhelmed by the whole mortgage process but working with Vipulbhai made everything so much easier and less stressful.He took the time to explain everything in a way that made sense. He found us the best mortgage program with an amazing rate that we never expected in this market. He was incredibly knowledgeable, responsive, and truly had our best interests at heart throughout the entire process.We’re so grateful for his support and guidance as he made what could’ve been a stressful experience feel smooth and manageable. If you’re looking for someone who knows their stuff and genuinely cares, we can’t recommend Vipulbhai enough. Thank you Vipulbhai

• - 5/5

I recently went through the process of refinancing my mortgage, and I couldn't be more pleased with the outcome. From start to finish, the process was smooth, transparent, and financially beneficial. Mohan Koday through VEMA mortgage provided excellent customer service—answering all of my questions promptly and clearly. They kept me informed at every step, and the online application and document submission process was straightforward and user-friendly. Within a few weeks, everything was finalized. Overall, the whole refinancing process was a smooth and a great experience working with Mohan Koday. I highly recommend him to my friends and family for any new home loans/ refinancing needs.

• - 5/5

Sebastian George was indicated by a Friend. Had quoted with two other brokers, and after talking to him decided to move ahead with Vema. He took care of my whole mortgage process. Let alone his relentless efforts in getting everything completed on time, communicate efficiently and quickly among all parties and support me with every single question anytime they would come up, Sebastian was able to secure me with rate conditions no other broker was offering. Peace of mind your mortgage is being taken care of by a real professional and a person great to deal with, 1000% recommend Sebastian George from Vema Mortgage.

• - 5/5

I had a very good experience with Vema Mortgage. This was my second time financing with them, and everything worked out perfectly. My lending agent PT Johnson did an amazing & very professional job on taking care of the loan process from start to finish, explaining the entire process, answering all our questions in a timely manner. Would definitely work with them for my future mortgage needs!

• - 5/5

Very Happy with Vema Mortgage. We closed on our home yesterday. Everything went smooth from start to finish. In addition to getting us best rates, Johnson was very diligent in getting things done in very timely fashion for our loan approval. He was always available for questions. Very good communication. We will certainly consider Vema Mortgage and Johnson in future.

• - 5/5

I recently worked with P T Johnson during my home loan process, and I couldn’t be more satisfied with the experience. From the very beginning, he was incredibly professional, responsive, and knowledgeable. He took the time to explain every step of the process in detail and made sure all of my questions were answered promptly and clearly. What stood out most was Johnson’s ability to make a typically stressful process feel smooth and manageable. His proactive communication and consistent follow-up ensured that we stayed on track and that I always knew what to expect next. I appreciate Johnson's assistance and wish him continued success. Please continue delivering the excellent service.

• - 5/5

I had a fantastic experience working with Vema Mortgage throughout the home-buying process. From start to finish, their team was professional, responsive, and extremely knowledgeable. Sebastian George, was especially helpful—always available to answer questions, provide updates, and made sure everything stayed on track. They took what could have been a stressful experience and made it simple and seamless. Their dedication to customer service really stood out. I highly recommend Vema Mortgage to anyone looking for a reliable, trustworthy, and efficient mortgage provider.

• - 5/5

Working with Sebastian on my mortgage loan was a great experience. He was super responsive, honest, and always available whenever I had questions—no matter the time or day. Anytime I had a question—no matter how big or small—he answered it clearly and honestly, always making sure I fully understood the process. What really stood out was how fast he worked whenever something needed to be done ASAP. He never missed a beat and always handled things with a sense of urgency when it mattered most. He was also incredibly flexible and calm when any issues came up. He made the whole process way less stressful and was flexible and calm even when things got a little complicated. He went above and beyond helping me out and I highly recommend him if you’re looking for someone reliable and easy to work with!

• - 5/5

I recently had the pleasure of working with Vipul Hapani from VEMA for the refinancing of my home mortgage through UWM, and I couldn't be more satisfied with the experience. Vipul was incredibly professional, knowledgeable, and dedicated throughout the entire process. From the very beginning, Vipul provided clear and concise information about the refinancing options available to me. He patiently answered all my questions and ensured I understood each step of the process. His expertise and attention to detail were evident, making me feel confident and well-informed. His proactive communication kept me updated on the progress, and he was always available to address any concerns I had. Thanks to Vipul that the refinancing process was stress-free and efficient for me. I would highly recommend Vipul and VEMA to anyone looking for a reliable and professional mortgage broker !

• - 5/5

I recently refinanced my home, and I couldn't have asked for a better experience thanks to P T Johnson. From start to finish, he was incredibly professional, knowledgeable, and patient throughout the entire process. He took the time to explain every detail, answered all my questions promptly, and made sure I was completely comfortable every step of the way. What truly sets P T Johnson apart is his commitment to exceptional service and his ability to make a complex process feel smooth and stress-free. He secured a fantastic rate for me, was always transparent, and worked diligently to ensure my loan closed on time. If you're considering refinancing or need a trustworthy, efficient, and genuinely helpful loan agent, I highly recommend P T Johnson. His dedication, expertise, and client-first approach are truly top-notch. This was such a positive experience!

• - 5/5

Gaurav is an amazing person to work with. He helped me get my first home, much before the 30 day contract deadline

• - 5/5

The most Transparent person I have ever met. As a first time buyer, I was very nervous… He messages every time – ‘Clear. Simple’. It was indeed the case working with him. If I ever buy another home, he will be my first choice

• - 5/5

I had a fantastic experience working with Gaurav on my property mortgage – super friendly and easy to talk to, and very transparent, which made the whole process way less stressful making sure everything went smoothly from start to finish

• - 5/5

Gaurav guides wonderfully throughout and makes the process of refinancing home look easy. Very patient, knowledgeable and importantly have time to talk us through every detail. A definite go-to person for refinancing

• - 5/5

I had an amazing experience working with Gaurav on refinancing the home. He is very well available to talk and clarify my questions, I highly recommend him for your home/commercial loan/refinancing needs

• - 5/5

have closed my home last week, and it went all smooth on the mortgage part, thanks to Sai! I will recommend Sai to everyone in the market looking to buy a home or even for refinance. You can talk to different lenders and decide, I did the same. I talked to different lenders, including Jim/Chip Bartels; amazingly, Sai's terms and interest rates beat them by a huge margin! And my closing costs are amazingly low (Low as in you will save around $4000). Working with Sai was very pleasant; he provided me with all information needed upfront so the process started fast, and he answered all the questions patiently. Since I am a first-time homebuyer, I did not understand the process and asked questions repeatedly, which he answered patiently as it was the first time. He is very professional and keeps you updated with what comes next so you would be ready and prepared. Thanks, Sai, for helping me with my lending needs in this tough time and finishing it so perfectly.

• - 5/5

Sai was amazing. I closed my house last week, and it was so smooth. He kept me up to date on every step of the process of my mortgage application. Being a first-time homebuyer, I felt very comfortable and confident working with Sai. He answered all my questions in a matter of minutes and explained every step of the process. Last but not least - I got a great interest rate (lowest of all 4 lenders I worked with) going with Sai and saved a few thousand on the closing costs as well. I could not have asked for a better experience. Thank you, Sai

• - 5/5

I closed with Sai a couple of days ago, and he made the process so easy. He explained everything very well. He is amazing and very nice! I will for sure be recommending him to my friends and family! I wish him the best! Thank you so much for your help!

• - 5/5

Sai always picks up our calls and calms us with any mortgage-related questions. He is so friendly and used to take our calls even at 10 PM at night. Thank you, Sai, for the great rate and all your help in getting our dream home.