About Capital Loan Associates
Reviews for Capital Loan Associates
Write a reviewHours
Monday: 9AM - 6PM
Tuesday: 9AM - 6PM
Wednesday: 9AM - 6PM
Thursday: 9AM - 6PM
Friday: 9AM - 6PM
Saturday: ClosedSunday: Closed
Capital Loan Associates is a business that provides mortgage and refinance services. Reviews highlight a process that is easy, clear, and a breeze compared to never-ending online applications. Communication is consistently described as professional and informative, primarily conducted through helpful phone conversations and emails. Clients specifically note the availability and responsiveness of the staff, including early afternoon and after-work communications to accommodate different schedules and time zones. The team is praised for being knowledgeable, patient, and persistent throughout every step. They walk clients through with ease and confidence, offering plenty of options and helpful prompts to keep the process on track. Staff are recognized for being able to get everything done in time to hold onto a rate lock and for making the overall experience convenient, including accommodating opposite schedules within families. A major positive factor noted is the polite persistence of the staff, which clients credit as helping them save money. Clients report receiving very competitive rates and costs, with one noting the rate was as good as any offered. In some cases, the team was even able to shave additional percentage points off the rate after initial settlement. While some note slightly higher origination fees, they also emphasize that the company shops for the title company, resulting in lots of savings and total closing costs that end up lower than other quotes. The closing estimates are exact, with no unexpected surprises, delays, or hidden fees. The service is fast and efficient, closing very fast and delivering on all promises. Clients state they cannot imagine having an easier time with the process and highly recommend the services.
One of my greatest joys in life is watching people on their "A" game. Joe Flanagin from Capital Loan Associates, was definitely on his A game. He was very knowledgeable, available, and professional. He walked me through the purchase of my first home with ease and confidence. I would recommend him to anyone looking to purchase a home.
Joe Flannigan was so helpful and patient every step of the process. I even canceled the deal because my friends thought I could get a better deal. I tried to do better and couldn’t do better, even with another friend who works at a bank. The process was way easier than all those never ending online applications. It was phone conversations and emails with a nice professional and informative guy and his positive and helpful assistant Peggy. Besides Joe getting it all done in time for us to hold onto our rate lock, her polite persistence was one of the major factors that helped us save money every month for the next 30 years. My schedule is so busy and I would have not gotten this all done without her kind prompts every step of the way. Being on the East coast and them on the West coast meant I could ask questions after my work and he would still be at the office. However, he also would answer questions in the early afternoon too. He also let me handle working it out my husband. I have had companies say that we both had to be there for every step of the process. With our opposite schedules being able to just relay info to my husband was so helpful and convenient. I will never know if there was some magical deal I missed but I don’t know anyone who is saving more than we did. Also, I can’t imagine having an easier time with the process. I guess I will see when I have to make the new payments how it goes. I will revise this if something crazy happens. As for now any bad reviews must be from people on here who did Not work with Joe and Peggy.
I worked with Joe Flanagan both on the original financing on my home 2 years ago, and on the refinance last month He gave me plenty of options and was persistent and patient in giving me the help I needed. The rate was as good as any offered and the costs were very competitive.What impressed me most is that even after we had settled the financing, Joe was able to shave another .125% off of the rate. Between that and how easy and clear he made the process, I have no problem recommending his services.