Residential Finance Corp

Tyler was so patient with us. We made an offer on 5 different houses but the first four did not go through (because we tried to purchase HUD or bank owned homes). Tyler was completed involved in the process and was the first to show up during our closing. They are amazing and I would recommend them to everyone! He returned calls on nights/weekends and educated us since this was the first home we bought. They're amazing!!!!

We have had phone calls back and forth, and I have been pleased with the communication with them so far. The interaction I have had with them has been excellent. They have followed up with every phone call, and the meetings have been arranged. They have been very helpful with the inside of being able to obtain a mortgage. They have been very clear, direct and helpful.

Tyler and his team did a great job putting together the Mortgage on our new home. We received personal service, a great rate and timely closing. We're so happy with our new home and even happier the process of purchasing the home was so smooth.

My husband and I are property virgins. We are rather old to be so, I'm 43 and he is 50, but complicated life is complicated. We finally felt like we had enough money to buy a house. We started looking in March of 2012. I hunted through the internet sites like zillow daily. Husband and I were very flexible as to where we moved, empty nesters and moving into the city from Madison County. We wanted east side somewhere between Nobelsville and Broad Ripple.
Fast Forward to July, 2012.
I found a house that looked interesting. We went to visit this house, fell in love, and stupidly agreed to use the seller's agent as our agent, too. We didn't have a realtor, why not keep it friendly, right? NO!!! We signed an offer, which was accepted IMMEDIATELY (insert red flag here). After the offer was accepted agent said, and quot;Ok, go get financing and I'll see you in 45 days for closing.and quot; Really? How do I get financed? I had zero clue where to start. My husband and I are smart people, but had no idea how to do this. So I started asking around. I went to some banks, a friend of a friend said he could help. The clock was ticking and I had no clue what to do.
Mid/Late August 2012.
I'm a teacher. School started and I ran into a teacher who had purchased a condo after a divorce. She highly recommended Tyler. So I called. This is when things started to get easier. Tyler took us by the hand and walked us through every step of the process. Once we were approved, we had an appraisal done on the property we so wanted to purchase. WELL, ( remember red flag?) it didn't appraise for anywhere near what we had agreed to pay for it. The agent had misrepresented so much about the house including the value and the size (she was only 2000 sq ft under what she told us the house was).
September 2012
So we had to start over. Tyler, recommended a real estate agent he had worked with in the past. Jim Adams, our new agent, took our very specific requests into account and we went looking. We looked at a lot of houses. Everything I looked at though I wanted to change. So Jim introduced us to Jennifer and Todd Pyatt, who build houses. They happened to have ONE lot left in the neighborhood we fell in love with. They assured us that we could build in our budget.
September 28, (husband's birthday) we signed papers to build a house!
We worked with the Pyatt's on choosing EVERYTHING for the house and with Tyler to get us pre-approved for a larger mortgage.
October 15 - Town Council Meeting -to approve plans
October 30-permits came back
November 6 - they put in plumbing that goes below the foundation
November 15 - they poured the foundation
November 26 - FRAMING
December 3-Windows
By December 19th the entire outside was finished.
We were in constant contact with Tyler this WHOLE time. Getting a mortgage is a very complicated thing. You have to explain everything. But Tyler guided us through the process. Tyler also stayed in contact with the Pyatts and with the realtor.
Tyler arranged for the inspection and the appraisal. I cannot express how easy it was, I simply gave him my credit card # and poof, it was taken care of.
We went to closing on January 29th, 2013.
I included the time line to illustrate a few things. First, how different it is to build a house than buy an existing house. Second, It was a LLLOOONNNGGG process for us to get a house and Tyler stuck with us every step of the way. I FIRMLY believe that without him, we would not have any house, let alone our dream house. Since closing, Tyler has emailed several times to make sure there were no issues and to inform us about some title stuff.
I cannot express our gratitude to Tyler Cartmel of Residential Finance, Jim Adams, Jennifer and Todd Pyatt and Hamilton Title (reviews to follow)
.
My husband and I still just look at each other and can't believe where we live. It truly is like a dream.

Tyler Cartmill quoted the terms of the contract.  Tyler was very professional and constantly kept us informed through the entire process.  The process was completed in a very timely manner and we were very satisfied with all aspects of the transaction.

It started with a phone call and gathering some basic information.  I ordered the appraisal for my house.  My house got appraised.  I was asked to e-sign some forms (very easy).  Another phone call gave me the options I needed including the difference betweeen 15, 20 and 30 year loans...interest rates, approx payments etc.  I decided which one I wanted to go with and they made it happen.  Someone came to my house for me to sign the closing papers.  It was all very easy and efficient.  They were great to work with!  I had many questions...they were very patient and thorough.  I felt confident I was doing the right thing.

Tyler answered all of our questions promptly. He was personable, professional, patient and friendly. He did a great job of tracking details and when important information came to light, he was prompt in communicating it to us. He presented different options so that we could make the best decision. He helped us understand ahead of time exactly what we could expect in the process. I would highly recommend him to anyone seeking a mortgage refinance.

Awesome, great service and professionalism

The whole process was relatively painless. Closing was very easy--especially compared to the closing on the
original mortgage. There were a few times when I called or emailed Mr. Cartmel with questions, and he always
responded in a reasonable amount of time.

They helped me find a mortgage to refinance my house. They were very professional, very nice and helped me find a great rate.

unknown