ACM, hands down one of the best lenders i have come across. Being a first time home buyer, I did tons of research on mortgage loan types, interest rates, aprs, lenders, etc. After going through 2-3 other lenders, Phil was able to beat all other lenders and then some! He took his time to answer my questions, send me updated documents, keep me in the loop and made me aware of what I can get with my credit and current circumstances. Their online site for document submission and signing was quick and easy to use. Phil and his team were very responsive and were able to help me close with the lowest rate in the nation and close on time!(closed a few days early in my example as i requested it.) Plus, there were No random junk fees like other lenders sneak in. Overall very satisfied and i would definitely use Phil again in the future and recommend him and ACM to friends and family!

I was bounced around between multiple representatives, never really knew who to ask what, and was bombarded by a variety of information and document requests from various people in various formats to be filled via both email and upload to a website that was ...less than stellar. I was unable to set up auto pay, and had to use check payment while about to go on deployment, with no recourse if for some reason the check got lost or the payment did not process, if unable to use internet or make phone calls. Would definitely not recommend if you have a job that requires travel. Would definitely not recommend, if you do not always and quickly have access to any and all conceivable documents. Would definitely not recommend if you are a first time buyer dealing with many other complicated and stressful aspects of your first mortgage buying process. Would definitely not recommend if you have a stressful, time-consuming job that does not allow you to take a week or two off of work to deal with a complicated process you have never been involved in. Would definitely not recommend if you don’t want your mortgage loan to be sold, and re-sold.