Conforming Loans in Phoenix Metro Area

• - 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

I have refinanced my home loan in the month of December, 2017. I received excellent service and proactive communication till closing the loan as per my timelines. Sebastian George, the mortgage consultant was very professional and friendly in all aspects during my loan processing. I always recommend Vema Mortgage LLC for all types of loans/mortgages.

• - 5/5

We were thoroughly happy with Vema Mortgage who did a great job right from the start and through the closing. As promised, Sebastian was quick enough to deliver the closing way ahead of time as we were short on time and in dire need of moving as early as possible. We will recommend Sebastian and Vema Mortgage to our friends as he not only gave us the best rate but also helped us in getting hold of our condo in double quick time.

• - 5/5

Excellent service... Super fast response.. He concluded my closing within a week Highly recommended

• - 5/5

Being a first time buyer, Sebastian's knowledge and working style was of great help. He walked thru every step and guided so well. He gave so many tips about Do's and Don't s. He was available almost all the time, even during late evenings. He helped me to close mortgage on time. The cost of closing was reasonable. I would recommend him for future buyers.

• - 5/5

As a first time home buyer, there were lot of unknowns about the mortgage. While we were shopping for mortgage, we happen to talk to Vema Mortgage, represented by Sebastian, and all our concerns were addressed promptly in a very professional manner. He is very friendly and provides excellent services. The rates were very competitive and the closing fees was very minimal. Eventhough we had closed in April of 2016, he still makes contact by sending occasional greeting mails and emails. If I will buy another home, I will surely contact Vema mortagage gain.

• - 5/5

Fast service, quick and prompt replies. Always available to discuss and explain over the phone. Helped me buy my first home in Michigan April 2018.

• - 5/5

Vema Mortgage and Sebastian is a full package that one can expect from a mortgage broker. Knowledge, prompt responses, streamlined no hassle processing, always at the other end of the phone, at home service and most of all guaranteed best rates with no need to shop around. I have done several refinances with my old and new houses and never faced an issue. Best thing I liked is a call from Sebastian asking if I wanted to refinance on a day/time the rates really fall to rock bottom.

• - 5/5

Made my home buying process extremely easy. Very kind and helpful. Would recommend Sebastian to everyone.

• - 5/5

Excellent Service VEMA Mortgage and Loan process is very smooth and customer services is very good

• - 5/5

He guided me like family and gave very smooth and hassle free experience during the lending process.

• - 5/5

We did refinance with Sebastian George in March,2018.The most attractive option about Sebastian is the zero closing cost .Everthing went well and it took only 2weeks the whole refinance process.He is very humble and reliable person .I have recommended him to a few of my close friends and everyone had nice experience with him.He is the best guy I would recommend to give your next refinance!!

• - 5/5

Excellent, reliable and quick service!

• - 5/5

Awesome person to work with, very prompt service, extremely competitive rates, takes time to explain you all the legal disclosures. Definitely made the entire process super fast and stress free!! Worked with Vema Mortgage Twice and was a great experience both times!!

• - 5/5

I first contacted Sebastian through a reference - during our very first conversation over the phone, he made me aware of certain issues I would face if I had applied for a loan given my circumstances at that time. As my situation changed, I was able to re-contact him and get my loan approved with very competitive rates. Sebastian was very helpful in every step of the process and made the whole process stress free, which was contrary to what I had heard about the process. He was always available (even late nights) to answer questions and constantly reminding me of the steps and my obligations; he was also very professional and worked with my agent in a collaborative manner. He also ensured I had all the proper documentation in advance. All this ensured that I was able to close on the house in 3 weeks. Overall, I am very satisfied with Sebastian's great guidance and assistance to making my first home purchase a success. I would strongly recommend Sebastian to anyone else looking for a loan.

• - 5/5

Hassle Free, And Transparent : When I bought my first house in April-2011, everybody was telling me that Mortgage is one of the most difficult part of this process of buying home. so when I was looking for houses, i also started contacting Mortgage agents as well proactively. One of my friends recommended Sebastian, and his quotation (HUD) was very transparent with minimal fees among all others. So I decided to proceed with Sebastian. Due to Sebastian: for me getting Mortgage was effortless process. Imagine this: Everything was done over phone/e-mails. I met him in-person during our closing (Off-course you cannot do closing remotely). So after 3 years in 2014, I refinanced same house as better interest rates were available. Again all paperwork was done over phone/e-mail and only closing was done in-person. No hassle at all, very simple , transparent and comfortable experience both times.

• - 5/5

Sebastian is prompt, honest and knowledgable. Had great experience in securing my loan at very good rate. Highly recommend.

• - 5/5

Sebastian helped out immensely and went out of his way and comfort zone to provide us the smoothest mortgage experience.

• - 5/5

I brought home in Novi, Mi and used Vema Mortgage. Good communication and timing for all paperwork. Best interest rates with lower closing costs. Sebastian is very informative and approachable. I will recommend him for my friends.

• - 5/5

Very experienced, prompt, easy to deal with, no surprises --We'll highly recommend!

• - 5/5

It was an excellent experience to work with Sebastian for my Mortgage refinance in August 2017 . He was extremely responsive for all type of questions I had. He provided best mortgage rates was in Market with ZERO closing fee. I would absolutely recommend to try Sebastian first before going anywhere.

• - 5/5

Sebastian (Saaby, Vema Mortgage) has been my mortgage specialist for many years now, and has helped me get the best rates with the lowest costs for home purchases. He has also provided the best solutions for my refinancing needs several times. Saaby studies each customer's specific situation, and provides the customer the most optimal solution. I have recommended him to many of my friends and colleagues, and all of them have nothing but positive comments about him. They are all Saaby's repeat customers now.

• - 5/5

Sebastian is very professional, transparent and highly knowledgable. Had great experience in securing my loan at very good rate. I would recommend him.

• - 5/5

Mr Sebastian George is a very professional mortgage broker . He explains all mortgage related queries detail by detail . I purchased my first home in 2016 and Sebastain helped to get my mortagage loan approved . Mr .Sebastian is quick and never wastes our time . His main concern is whether a customer is satisfied and comfortable with his mortgage . He is always reliable and prompt .

• - 5/5

Sebastian George is very helpful and knowledgeable. He is always accessible on phone to answer any questions that you have with professionally and honestly. I felt he works as our family member rather than Mortgage broker. I would personally recommend him to anyone looking for a home loans.

• - 5/5

I would highly recommend to work with Vema Mortgage, Sebastian is really helpful and knowledgeable.

• - 5/5

I am happy I chose Sebastian for my home cash-out refi. He was reachable at anytime. The breakdown of fee he provided was very close to the final statement. The interest rate and fees he provided were very competitive and better than other places. I would recommend anyone to contact him for home loans.

• - 5/5

The first thing about him he is always reachable. He was able to help me to reduce title cost. Could not find lower lone rate whatever he provided. I believe he is an honest person who really wants to help the borrowers, points out all the options where borrower could spend less amount of money to reduce the closing cost. He makes things transparent, explains in great detail.

• - 5/5

I couldn't be more happier with my experience with Sebastian. He got me closed seamlessly. He was very easy to work with, answered my calls and emails within a few hours - even in the evening and on the weekend! I would recommend him to anyone looking for a quick, efficient and stress free closing process!!

• - 5/5

I was referred to Sebastian by my friends for a home mortgage. He offered competitive interest rate and closing fees. He communicated well through out the process and the closing was very smooth. No surprises!

• - 5/5

Its pleasure working with Sebastian.He is a very honest person and very friendly. Most important thing is he is reachable at any time.Great experience working with him.Highly recommend!

• - 5/5

Sebastian is very helpful, informative and knowledgeable. Always accessible on phone to answer any questions that you have. I would personally recommend him to anyone looking for a home loan.

• - 5/5

As first time house buyers, Sebastian was very helpful during the process. He was ALWAYS available to me and very informative. I could not be more satisfied with his service.

• - 5/5

Sebastian George was really efficient and quickly responsive in helping us with our mortgage. He made things really easy and smooth. I would definitely recommend him to others.

• - 5/5

Sebastian is extremely responsive to all of my questions and requests, and is tireless in guiding me through the entire home-buying experience from start to finish. Would highly recommend Vema Mortgage LLC.

• - 5/5

He is very reliable, caring, informative and responsive, which is mandatory for first time home buyer. Started feeling to be in safe hands right from day one. He exceeds the expectation of vendor at all scenarios and gives professional/personal guidance. Reliable source of information and outperforms the agent with timely suggestions and responses.

• - 5/5

Sebastian was very helpful in getting all things done on time. He works with you closely to make sure that you understand everything while you go through the phase of initial offer acceptance to closing of your home.

• - 5/5

Very customer friendly and transparent process. I never had such speed process in my previous loan processing. Great work Sebastian!!

• - 5/5

I found Sebastian very reliable, honest and helpful in his interactions during my buying process. It was more like dealing with a friend. I was completely new to the home buying process and Sebastian guided me throughout the process. The entire process was very smooth and hassle free. He gave valuable advice which helped me to get a better rate and lower my payments. I would highly recommend Sebastian to all !

• - 5/5

Sebastian will give a very competitive rate. I have never had to extend the closing date with him. He has been able to process my client's loans well before the closing date every single time. He is hard working and knowledgeable in his field! I'd definitely recommend him.

• - 5/5

Sebastian handles the mortgage process in a well organized manner. Very much customer focused and service oriented mentality which enables us to learn the whole process to its fullest detail. He was able to expedite few steps based on our need and we were able to close our home on time. We strongly recommend his services if anyone is in need.

• - 5/5

Very helpful

• - 5/5

It was an excellent and knowledgeable experience working with Sebastian for my mortgage in September,2017. I first contacted him through a reference – in our very first conversation over the phone, he made me aware of certain issues I would face during my loan application and he suggested me few measure I can take to make my mortgage application process seamless. He provides best mortgage rate in town based on your current situation. He is very professional as well as friendly. He made my loan process stress free and we were able to close on the house in just 10 days. He is always available to answer your questions related to mortgage, refinancing options or home owner’s insurance at any time. I would recommend Sebastian strongly specially to 1st time home buyers as well as for refinancing your home. Just talk to him before going to anyone else.

• - 5/5

Exceptional service. Very knowledgeable and great quality work. My closing was very smooth. I will strongly recommend to my friends.

• - 5/5

I've been worked with Sebastian George closely from June 2018 and he helped a lot on the loan process. He was very friendly nature and very quick responsive at anytime, even week ends too. He was very knowledgeable and nice person.

• - 5/5

My experience with Sebastian was awesome. He takes his time to explain you all Informations related to mortgage. He is extremely responsive to all questions.I highly recommend Vema Mortgage.

• - 5/5

Excellent knowledgeable and friendly. Couldn’t have asked for anything more when I bought my first house and started my mortgage / investments in Jul 2015. Without any doubt my only choice and highly recommend his services.

• - 5/5

Have known Sebastian from Vema for a longtime. He provided his services for my last two closings. He is honest, friendly,straight and no non-sense guy and my home closings were pretty smooth. Wouldn’t hestitate to use him again and I would highly recommend him.

• - 5/5

Sebastian did a great job helping me and my family purchase our new home. He helped us find the best option for us and walked us through every step of the way. Sebastian was always available to answer questions and he communicated very well throughout the entire process. I highly recommend using Vema Mortgage LLC for your lending needs.

• - 5/5

Excellent service!! I would recommend Verma mortgage (sebastian) to all my friends and family. He will walk you through each and every step of the refinancing process. Very much satisfied with his services .