Capital First Home Loans Inc

Steve Gerding and the whole team made refinancing a painless process for me. I've refinanced before and it's a total pain in the neck. These guys were the easiest! They were friendly and informative, weren't demanding or annoying and easily worked on my schedule. Plus, I'm thrilled with my rate. Pros: Super easy to work with Cons: ??? more

Steve Gerding was a huge help to me. Walked me through the entire process and answered all of my questions! more

I worked with Steve Gerding this past year and found him to be extremely knowledgeable, professional and honest. He helped me refinance my home and receive a very good rate. This proved to be a very timely move as my wife and I begin to start a family. more

My fiance and I were referred to Capitol first by both family members and friends. They came extremely highly recommended and gave us nothing less than first class treatment. When considering the current state of the housing market in America and more specifically Ohio it can be a difficult time to go through the process of purchasing a home. The team at Capitol first prepared us for all the hurdles that we could encounter and tackled each obstacle that we faced with passion as if we were family. Jeremy and Steve routinely went the extra mile to make sure our purchase was as stress free and easy as possible. Aside from the wonderful service and open lines of communication Capital First was able to get us an EXTREMELY low rate. I wouldn't hesitate to recommend Capital First to any of my family, friends, or co-workers. You can't go wrong with two honorable hard working men like Steve Gerding and Jeremy Groleau holding your hand and walking you through this process! more

Attn:? Steve Gerding more

I was referred to Capital First Home Loans by a friend. I trusted my friend and Capital First Home Loans held up to all the promises my friend made about their company. I am so grateful I was able to work with this company. I have refinanced my home several times in the past and have never had service like the service Capital First Home Loans provided. I was treated with respect and was never given false information. EVERYTHING they prepared me for happened as they stated it was going to happen. What a wonderful group of individuals. I will ONLY be working with Capital First Home Loans from here on out. Pros: No false promises Cons: N/A more

Working with Mr. Gloleau was a wonderful experience. He immediately knew the answers to every question I had and explained them to me in detail, so I understood exactly what he was telling me before proceeding. He guided me through the loan process and made sure everything ran as smoothly as possible. Not only was Mr. Groleau a fantastic, but his whole staff was as well. Everyone treated me with respect and help me in any way they could. Pros: Very knowledgeable and trustworthy Cons: N/A more

I found Capital First Home Loans through LendingTree and refinanced my mortgage taking equity out for a home improvement project. Pros: Customer Service more

We worked with Steve to get a mortgage with Capital First for our first home. He took us through the process and explained everything very well. Capital First was definitely the lowest rate we found in the area, and it has stayed that way whenever I've looked around again. The closing costs are a bit higher than other places (like Third Fed), but if you plan to stay in the home for more than a few years, the lower rate came out ahead leaps and bounds even after Third Fed's 'rate match.' In our experience Steve and Jeremy were very honest and straightforward about costs, explaining which items were 'under their control' and which could vary on the Good Faith estimate. We've had our mortgage now for 8 months and all has gone smoothly from the beginning. If I were to do it all again, I'd 'shop around' for the best rates and closing costs every time, but I would be very surprised if Capital First didn't come out best again! Pros: Low interest rates, good communication Cons: Slightly higher closing costs more

I was in a pit of a pinch on the purchase of my new home and I turned to Capital First to help me. The original lender turned me down and I always drive past their offices, so I figured it was worth a shot. I was greeted by a very nice receptionist and I discussed the situation. The branch manager came out and discussed the sitiuation wtih me personally, and let me know that he was going to do his best to make it happen. He said his staff rallied and worked overtime to make sure everything got processed quickly to get my family in our home. It was interesting to see people actually care these days. They cared, and really made me feel like I was their absolute priority. It was an emotional time for me, and Capital First and their staff took me from the super blue, to true excitement. It is hard to explain...but you know when someone tells you they are going to get it done and you can see they are not going to let you down. There was several hurdles (my credit, job time etc..), and they just never stopped until we had the keys. I can't thank you enough. I tell everyone that will listen what a great company this was to deal with! Pros: Sincere, treat you like family. Cons: Only get to work with them every 5-7 years! more

This company was incredible. I found their information among others online. I worked directly with Jeremy; however, I talked with a few of the other representatives, which were all very knowledgeable. Not only was everyone upfront and honest, they also made me feel like I was their only customers. There services were very hands on and I never waited for an answer to any of my many questions. Jeremy was able to handle everything for me via e-mail and fax. When it came down to closing, he sent someone out to my house at 9:00 p.m. (which was nice for me due to me getting off work late). Everything came through as they promised. I was nervous never using them before but they accomplished everything they promised and more. Pros: Rates & Service Cons: Can't Think of Any more

There rates were great, so I was concerned the service might not be as strong. I was very pleasantly surprised. They were open later, and my loan officer even responded to E-mails after hours! Would highly recommend them.Thanks again guys! Pros: Straightforward, great rates Cons: A lot of paperwork to sign (I think that is with any loan) more

Watch out for these guys. During the application and underwriting process, Jeremy will lie to you repeatedly... the good faith estimates will be fudged, he will promise you closing cost discounts, he will lie and deceive you. He'll promise you one interest rate, and give you another. Besides this mess, as you review the documents, you'll wonder if a 5th grader put them together... there will be typos galore, signature requests on blank documents, missing discounts on the good faith estimates, and complete lack of disclosure that you're working with a mortgage broker! Jeremy is slick... beware. THEY WILL BURN YOU! Pros: Rates look good in the beginning Cons: Lies, broken promises, massive fees, deception more

My interactions have still not ended so consider this as preliminary review. Carefully understand when the company will lock the rate and make sure that policy works for you. Ask for ""Rate Lock Disclosure Form"". Amit Pros: Communicated frequently Cons: Needs to provide better clarification more

I shopped around extensively for a mortgage loan and I ended up going with Capital First Home Loans on Pearl road. I am glad I did! The staff there was very professional and helpful. They had fantastic rates and the loan was closed exactly as promised. I refer Steve to all my friends. It is rare these days to find a company that is so straight forward and honest. Thanks again Steve! more