What John Says:

I have a Masters Degree in Finance and I've been a professional trader but I realize that shopping the Mortgage Markets is something beyond my capabilities. I also know that an unethical or incompetent broker can cost me a lot of money because their incentives are not aligned with mine. Being able to hire No Bull Financial on a fee for service capacity is great for two reasons. First, because it lets me know that I'm getting the best pricing and there are no "hidden rebates" that I pay for but don't know about. Second, because their incentives are aligned with mine. And this is on top of financial advice sophisticated enough to be of value to me and great service.

I moved from New Orleans, LA to Richmond, Va after Hurricane Katrina. The New Orleans property market was a mess and I could see that selling my house was going to take a long time. Dave Donhoff was able to find a mortgage program that allowed me to buy in Richmond without selling in New Orleans which let me hold out for top price in New Orleans and hunt for a bargain in Richmond.

We wound up buying a house from someone my wife went to college with who had to sell, and managed to save 3% on the Transaction by not using a buyers agent. I was able to manage all of the details required to ake the purchase like a charm until we came to closing. First, our closing attorney called me and said closing was going to be delayed because of some "strange" software that had to be installed for the closing documents. Dave's assistants jumped in and helped the attorney install Adobe Acrobat. The sellers had left town and on Friday I showed up at the office and signed a pile of papers and got the keys and thought that was that.

Monday afternoon I got a call from the sellers Real Estate agent to say that there was something wrong with the closing. I called the attorney and she said, "Oh it's all ok nothing to worry about." I called No Bull Mortgage and they let me know that there had been phone calls all day long because the lender wouldn't release the funds until all of the closing instructions were followed. Then I called back the closing attorney, and she told me that the lender was being unreasonable and that she was following the instructions.

I called No Bull back and we had a conference call about this and they contacted the lender and got me the list of the things that need to be done. The patriot act statement page had to be signed by the attorney and two pages had not been notarized by her and the lender wanted JUST these three pages faxed to them but my attorney was faxing all 100+ pages of the closing documents each time they asked for these and would tell them to find the documents. To close this matter up I had to go into the attorney's office and go through the closing documents, and the three pages the lender had been asking for were not in the closing documents. My closing attorney swore that the documents were not sent by the lender and cursed them out, but when I looked at the PDF file they send the documents where there.

What we initially hoped to be a routine home purchase became complicated when we least needed the stress. Others tried to play pass the buck and blame their problems on others. No Bull Financial was keeping me informed on ALL of the internal processes on a transparent basis I was able to see where they were ironing out problems before they were baked in and fixed other people's messes. Because of this when there were bumps in the road I knew who I had to chase after to fix things despite their protests that the problem was someone elses. It was always comforting to know that I had someone 100% in my corner looking out for me. Without the degree of control that No Bull gave me, and the support they knew how to provide by pressing the other service providers, our deal could have been much more complicated, and may not have closed on time. No Bull Financial was very much worth every dime they earned, and I've recommended them to many others, including my own Mom.

John Grace