Chris Woodburn
“My family and I greatly appreciate your great support and service over the last 6 years. In 2010, we moved back into this area and found the perfect house for our family.  Unfortunately, our normal bank was not responsive to our mortgage needs in terms of service and speed.  We came to you based on a recommendation from a close friend and were immediately impressed by the level of detail and attention you gave to putting together the mortgage we needed.  In a very short time, the mortgage was finalized, and we were able to move into our new home. The outstanding service didn’t end there.  As promised, you called to give me an annual review of my mortgage and provided a recommendation on whether or not to refinance based on the going interest rate, the amount of savings a refinance might generate, and my personal preferences on the associated costs.  The end result of these reviews, to include the most recent one, were three refinances that produced significant savings for me and my family both in the near and long terms at minimal to no cost. I would highly recommend you and your team to any of my family and friends!  Best of luck you to you in the future and please let me know if I can ever be of any service.”
Lt. Col. Andy Schmidt, USAF
“Simply put, Patrick and his staff got it done. I had absolute zero drama in securing my financing with his group. I was recommended to use Patrick and Home Savings & Trust Mortgage by my realtor, John Rumcik from Remax Realtors. I was going through a difficult time in my life, and the entire experience was seamless and without stress. This is the fourth home I have purchased in my life, and the experience this time using Patrick’s team was the most efficient by any measure. I’m a veteran from Afghanistan, and I would recommend his team to anyone using a VA Loan to purchase their dream home.”
“I don’t have much experience in purchasing homes or refinancing, but the little experience I do have tells me getting a loan can either be smooth or painful. 3 years ago I bought a house and recently refinanced it. The two loan experiences could not have been any different. It seemed when I bought the home everything took weeks or even months to get done. The loan officer was not responsive and caused us to move back the settlement 3 or 4 times because he was not ready with the necessary documents. When I refinanced with Home Savings and Trust Mortgage it couldn’t have been simpler. Pat and Angeline were very good about walking me through the process which prevented many questions I might have had. They were there to answer questions and make the process go smoothly. No problems arose and the refinance happened according to schedule. I would recommend them to anyone looking to buy a house or refinance.”
“As a first time home buyer, I was very nervous about qualifying and getting a loan. Everything went perfect! I am very happy with my FHA loan. You really understand how to work with a customer and make it easy. It has been an absolute privilege and pleasure to work with you and your outstanding team. I will have no hesitation in recommending Home Savings & Trust Mortgage to family or friends wishing to buy or sell in the future. My sincere thanks for all your hard work.”
Freda B.
“I received the letter from the Wounded Warrior Project today about the donation in our honor. Thank you so very much for your generosity! This has been the best home buying experience ever!”
Chris M.
“Just wanted to let you know the closing went very smoothly. I think it was less than 30 minutes. Our new payment is $250 less! All good news. Thanks again for that call a few weeks ago. Feel free to do that anytime in the future!”

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