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Over 189 reviews for
Effingham Mortgage Brokers from people just like you.

"I have used
many times over the past 15 years and he has always delivered excellent service. He is professional, super knowledgeable, and" always makes me feel like I am getting the best deal available. I will continue to use him every
I get and highly recommend him to others.

-Courtney D.

was quick to respond, answered all of my questions thoroughly and made sure I understood exactly what was happening. I've recommended"
to numerous other friends and family not only for business, but as a resource should they have any questions about mortgages. I absolutely trust his recommendations, and would not hesitate doing business with him again.

-Edward S.

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Local Articles in Effingham

Mortgage Loans

Taking on a mortgage loan is a massive responsibility. Not only is it a huge expense, a mortgage loan is also a complicated set of concepts, options and obligations. Read on to learn how to navigate the turbulent waters of a mortgage loan by learning the fundamentals behind it.

couple stares out apartment window at street
Real Estate Agents, Appraisals - Real Estate, Mortgage Companies, Apartments, Home Inspection, Moving

Is home ownership still the ultimate American dream?

short sale home
Real Estate Agents, Mortgage Companies

Buying a home on a short sale can save a buyer money, but there are some factors to consider.

Understanding more about the home loan process can take some of the mystery out of it and make this exciting purchase less stressful. (Photo courtesy of Angie's List member Todd C. of Seattle)
Mortgage Companies

Who are these people and how will they help you get a home loan? Discover answers to many of your mortgage questions.

If you are thinking of buying your first home, refinancing or looking to move up to your dream home, now may be the time to talk to your mortgage banker. (Photo by Eldon Lindsay)
Mortgage Companies

Are mortgage rates on the rise? Understanding market trends can help you decide the right time to buy a new home.

Angie's Answers

Yes! Movie tickets, 2 hours at the spa, 10 rides at your local "iFly", etc. Bottom line: You know your clients. Find out what they do to reward/pamper themselves and give them that!

Hope this helps!

David Gowans


As with anything like this, some are scams, some legit but poorly organized or run, some legit. There are a few new companies set up by hedge funds just getting into rentals and into buying foreclosed properties in good shape, which they then rent or lease and will, in some cases, allow rent to partly apply to purchase.


Before you even think about this type of arrangement, you should have it THOROUGHLY reviewed by a lawyer, because once you get into it you will be stuck, and most likely there will be a LOT of terms restricting your investment. Considering the average person moves every 5 years or so for employment or family or medical reasons, and generally these sort of arrangements have to be carried through to completion to get ANY of your investment back out of the deal, it is generally a losing proposition for almost everyone - a fact the companies count on.

This is Sarah B. in Member Care. Thanks for your interest in Angie's List!
We'll be happy to help find information on Country Place Mortgage or other top rated providers, but it doesn't look like you have a subscription to the List yet. You can join by visiting www.angieslist.com or by giving us a call. Our call center is available 8:00 am-9:00 pm weekdays and 8:00-5:00 pm ET on Saturdays. If you join online, you can save 20% on an annual plan by using the promo code ANSWERS.
Thanks for your question and we look forward to assisting you!

Mortgage Lending reviews in Effingham


Our first contact was in 2013, we got back in contact in April or May. We have maintained contact because she is so good and is able to explain everything clearly, thorough. She is very personable and professional.
- Stacey S.

Working with
Effingham Mortgage Brokers Provider Name Locked
went very well. This was my first time buying a home, and
Effingham Mortgage Brokers Provider Name Locked
was very patient in answering all of my questions.
Effingham Mortgage Brokers Provider Name Locked
was easy to get in touch with, and went out of his way many times to touch base with me to make sure the process was going well. Also,
Effingham Mortgage Brokers Provider Name Locked
worked tremendously fast in putting together the mortgage. I did a bit of shopping to see if I could find better mortgage offers, but
Effingham Mortgage Brokers Provider Name Locked
found the best interest rates and had the lowest fees, and ultimately cost me the least amount up front.
Effingham Mortgage Brokers Provider Name Locked
made the entire process seamless and as stress free as possible.
- Richard J.

The beginning of the process was excellent. I talked to three people that where polite, courteous, and professional. I certainly understand that it is hard to get any kind of loan when your taxes show so many deductions it looks like you make nothing. I do believe that when it comes to any loan the loan people should do all they can before they run out of options which these particular loan officer did not do. He talked so fast I could barely understand him. He was disrespectful to me and to the fact that my husband served this country in the
Effingham Mortgage Brokers Provider Name Locked
for twenty years. He never tried to find other options for us. He used one other option and never went to work so find any other. I just cannot believe still that we where treated like second class citizens. When it comes to loans even if you are not in the military a professional organization should do all they can until nothing is left to help the customer. This person never even tried. I would have been
Effingham Mortgage Brokers Provider Name Locked
if this person actually looked at several options instead of just one. He is a disgrace to the military man/ woman and those others that serve this country. I also think to most customers in general. It does not matter what you do the customer always comes first!
- Kristen K.

We were buying a new home and I sought mortgage bids from 3 companies for a 15 year mortgage, and 3 companies for a 30 year mortgage.
Effingham Mortgage Brokers Provider Name Locked
from Trident responded quickly and efficiently, even calling me one time while he was finishing a family vacation. He said he knew customers had choices for their mortgages and he promised good service. His mortgage rate was very competitive, and since he knew I was getting other bids, he made concessions on the mortgage processing fee. He also did something that no one else did....he gave us the right, before settlement, to lock in on a lower rate that what we committed to, should the
Effingham Mortgage Brokers Provider Name Locked
shift downwards, while waiting for settlement. It could only shift down 25 basis points, or 1/4 of 1% but he made that offer. As fate would have it, the mortgage rates went up while waiting for settlement, so we never got the 25 basis points down, but we did lock at a very competitive rate.
Effingham Mortgage Brokers Provider Name Locked
has two people that work with him.
Effingham Mortgage Brokers Provider Name Locked
...in the early stages....and
Effingham Mortgage Brokers Provider Name Locked
in the final stages. They were polite and efficient. But all 3 of them hid behind unseen "underwriters" who claimed they need more and more information....unending requests....more than 50 documents before it was done. And the requests bordered on the absurd that had nothing to do with the credit worthiness of the loan. They blamed it all on the bank scandals and problems in the financial world that required much more intense underwriting. It was ugly.
In the end, one of the most important things a mortgage company can do is meet deadlines, first the deadline to have a mortgage approval by a certain date, consistent with the sales agreement, and doing everything needed for settlement date. In my opinion, Trident did poorly on both.
Effingham Mortgage Brokers Provider Name Locked
started telling the real estate agent about a week before the mortgage approval commitment date, that he might not have the approval in time. The approval date was a Friday and at 5 p.m. on that date, we had no mortgage approval. The real estate agent called me and told me we had to modify the sales agreement. After 6 p.m. that date, Trident came through with the approval, after causing a lot of unnecessary anxiety. They claimed to have sent the approval around 3 p.m. via email, but everyone who was on that email did not receive it. For settlement, we were one business day before settlement, when the settlement lawyer's office contacted me at 2 p.m. to share that he had absolutely nothing from the Trident for settlement the next business day. Another round of grief. Ugly. It is obvious that Trident works on deadlines....and leaves the customers hanging to the very last minute. Trident did make the settlement deadline, but only in the final hours. Trident preaches good customer service, but what we got was a lot of ugly and jerking the customer around with a lot of odd ball and last minute requests. There was nothing smooth about it at all.
But the biggest surprise came at settlement when the settlement lawyer and I were talking about when the first mortgage payment was due, and where to send it. I said I would just set it up with the bank for automatic withdrawals each month....and the lawyer said ....don't do that....Trident is going to sell the mortgage quickly....and you better wait and see who to send the check to. Sure enough, after I made one mortgage payment, Trident sold the mortgage to someone else.....and then it hit me....that they had no incentive to treat the customer properly because it 30 days, they would no longer have a relationship with the customer.
What is the bottom line here....the whole process was ugly....a lot more than it had to be. Could all mortgage companies be subject to the same crazy and ridiculous underwriting....maybe....maybe not. Someone compared it to preparing for a colonoscopy. But does a mortgage company have the right to be so cold to leave the customer hanging on important deadline dates. Absolutely not.
If I had to do it all over again, would I do it differently? I would certainly consider it. I would ask if the mortgage is going to be sold. I would see if a local bank would take the mortgage. One of the other bidders for the loan was a local bank that has a very good reputation. The mortgage process is not a customer friendly process; buckle your seatbelt if you are getting ready to apply for a mortgage.

- Paul K.

Effingham Mortgage Brokers Provider Name Locked
was great from beginning to end. The entire process went extremely smoothly and we were very pleased.
Effingham Mortgage Brokers Provider Name Locked
and her network of professionals allowed us to secure a mortgage at a competitive rate with an all-around positive experience. She was always very responsive to emails and phone calls during the process.
Effingham Mortgage Brokers Provider Name Locked
understands the mortgage business and the
Effingham Mortgage Brokers Provider Name Locked
Effingham Mortgage Brokers Provider Name Locked
very well. We will definitely work with
Effingham Mortgage Brokers Provider Name Locked
again if the opportunity arises.
- Jeremy W.

FANTASTIC EXPERIENCE! Over the years we've gone through about 10 mortgage or refinancing deals. By far, working with
Effingham Mortgage Brokers Provider Name Locked
at Cobblestone was the best experience we've ever had. On the numbers side Cobblestone offered MUCH more competitive terms versus any other source I could find, including the many online tools available. And despite being with a large commercial lender for years, and despite endless solicitations to refinance, my old lender could not come close to Cobblestone's terms. On the customer service side
Effingham Mortgage Brokers Provider Name Locked
was extremely knowledgeable, took the time to walk through all available refi options, and patiently answered my many questions. She was able to do much of the work over the phone and later came to our house to review the deal and execute the application paperwork.
Effingham Mortgage Brokers Provider Name Locked
's suggested closing attorney also came to our home to finalize the paperwork. Imagine calling your bank or national lender and asking them to come to your house. Not going to happen. The whole process could not have been easier or more pleasant. I would recommend
Effingham Mortgage Brokers Provider Name Locked
and Cobblestone to absolutely anyone seeking a mortgage or refi.
- Gregory K.

Unfortunately I did not end up using
Effingham Mortgage Brokers Provider Name Locked
and decided to go a different route for my home equity loan.
Effingham Mortgage Brokers Provider Name Locked
actually made me aware of another option with a different lender that she referred me to after it was clear what she had to offer did not make sense for what I was looking for. This was a great help to me and shows she truly cares about her clients and wants to help people with the best options available, regardless if she ends up getting the business. I had a great experience dealing with her and sincerely hope that you will consider using her for your financial lending needs!
- Brett C.

Effingham Mortgage Brokers Provider Name Locked
Effingham Mortgage Brokers Provider Name Locked
Effingham Mortgage Brokers Provider Name Locked
provide excellent service. From the initial contact through their calming presence at the loan signing I felt supported by these two. I went into the signing with a full understanding of what would occur because
Effingham Mortgage Brokers Provider Name Locked
had been in contact throughout the underwriting process and made sure that I had all my questions answered and understood what was happening.
Effingham Mortgage Brokers Provider Name Locked
Effingham Mortgage Brokers Provider Name Locked
were always very quick to respond when I had questions and frequently reached out to check in on me. I have never experienced such care and support in this industry and this is my third home purchase, though the first on my own. I recommend
Effingham Mortgage Brokers Provider Name Locked
Effingham Mortgage Brokers Provider Name Locked
to anyone who wants to feel supported through the stressful process of buying a home, but particularly to first time homebuyers as you will get straight answers from people that are very accessible, and that's very helpful as you try to navigate through a complicated and unknown process.
- Julie M.

Mortgage Brokers in Effingham, IL

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

AMR Lending

1141 E Main St
East Dundee

Citizens First National Bank

606 S Main St

CityWorth Mortgage

11781 Lee Jackson Hwy

Guardian National Bank

4400 W 109th St.



LeaderOne Financial Corporation

410 Jubilee Lane

Michael Poland - People's Home Equity

1801 Meyers Rd. Suite #500
Oak Brook Terrace


8711 Richmond Dr


6323 N Francisco Ave


PO BOX 1101
Crystal Lake


11700 Plaza American Dr

Pacor Mortgage Corp

7300 College Dr
Palos Heights

Premier Financial Services Inc

206 1/2 W State Street

Prism Title

1011 E. Touhy Avenue, #350
Des Plaines

Smarter Mortgages

9482 Wedgewood Blvd

The Federal Savings Bank

300 N Elizabeth St

United Home Loans

4 Westbrook Corporate Ctr Ste 650
Effingham Zip Codes

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