MBSI - DBA: Kiel Mortgage

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The overall experience went very well. Even though I don?t have stellar credit, I was able to bring my rate down from the 6?s to the 4?s. That saved us about $1,000/month. I?m happy with their services and I would recommend him. We're refinancing our rental home soon and this will be the company that we'll use.

In case you only want to spend a few seconds reading each review, in short, Kiel Mortgage was amazing to work with, and we'd use them again in a heartbeat. From the first day we called, Nicole was friendly, professional, and responsive. We didn't shop around too much, but their loan origination fees seemed comparable to our original lender, while their rates were top notch. The process went smoothly, and everything except the signing was done electronically, which was incredibly convenient. Our refinance was completed smoothly, and we would definitely recommend Kiel. If you've heard the Kiel Mortgage commercials on the radio, you might be skeptical. "They must be getting paid to do these spots," or "Their story is too good to be true." We were skeptical at first, too, but (and this is going to sound really cliche!) Kiel really is "big enough to the job, small enough to care!" Four thumbs up.

I talked with Terina several times and she was right on top of everything. I received emails for the important documents and printed them off to send her way. I had the option of signing on line but my computer was fussy and I wasn't able to access them. What I liked is that I didn't even have to go into the office for all the paper work. As far as price, I don't really know because I didn't shop around. I have heard of Kiel Mortgage on a trustworthy radio station so I was really leaning on that. Also, years ago in our last home I did call Kiel Mortgage do ask if we should re-fi and they said it wouldn't be worth it b/c I wasn't going down that much in the new interest rate. So I respected them for being so honest and told myself I would always remember them. Finally, when it was time to lock in, it was on a Friday. The rates were REALLY good at 4.65% but I REALLY wanted to get down to a 4.5% (a whole 1% drop from what we had). Terina said I could buy down the rate for an additional $800 but we didn't want to spend any more $. She was very upfront and not pushy and said historically rates are slightly lower on Mondays and Tuesdays and it has been better to lock in on those days (not always but often). So she said we could wait until Monday and see what the rates would be. Of course she reminded me of the risk that they could go up and not down. But she added that they have been back and forth so much by .125% up/down that if it did go up a little, it would probably go down again. We decided to take the chance. On Monday morning at 8:33 a.m. she called me first thing to ask if I wanted to lock in at 4.5% without any additional costs. I said YES! Just GREAT to know that she was honest in her advice and things worked out in our favor. She could have been pushy on Friday but she understood our desires and laid out all the options with out trying to scare us one way or another. It paid off!

When you listen to the news, it sounds as if no one was getting accepted. Kiel got it done for me, and it took half the time that I was expecting. If you need help in a Refi or New purchase, I would highly recommend them. Thanks again!

They were not able to help me. They seemed nice. She seemed prompt and thorough. I faxed a lot of papers to her. We didn't get very far in the process. I had a very short interaction with them.

James is very knowledgeable about the many options available to consumers, whether it is securing their initial mortgage or refinancing their existing mortgage. He is quick to respond to phone calls with any questions that you may have. Her personally brought me paperwork, and went above and beyond to get a signing agent to my house (I live on Bainbridge Island and it is an issue getting some companies over here that are not based on the island). Recommended James to my brother-in-law, who did end up using him and liked him.