Home Purchase Mortgage Process

John made the process easy to deal with.

Found this company to be very professional and easy to work with. Would highly recommend this company to everyone.

John is always very helpful, knowledgeable, and responds quickly to any questions.

First class professional

John and his team made my refinance super easy. They helped things happen quickly and was able to get us into a great rate, and get us the cash out we wanted.

John and his team are AMAZING. We've done this home-buying thing 4 times now, with a couple of re-fis in there, too, and this has BY FAR been the smoothest, easiest, most straightforward experience with a mortgage company that we've ever had.

John and his team were so attentive throughout the process. Their attention to detail and transparent communication during the process was refreshing.

John and his team are on the ball. They want to help you get your loan, and they take care of it fast and with good communication.

John is very professional in his approach; always available to answer any question and patiently explains the process, he even calls his clients on weekends or afterhours!

John made my refinance so painless and easy. He and his team were prompt with responses to any and all of my questions and I’m so grateful for their help during this process.

We had a great experience - were kept in the loop the whole time, and finished everything up easily, even during this crazy time we're going through!

John did a great job of letting me know what was going on and what he was doing. It was a crazy time with mortgage rates all over the place and he set expectations perfectly. He said what he was going to do, and he did it.

Quick response to emails and calls, and getting everything prepared for closing.

Got the rate and payment needed.

John is great, super helpful, responsive, easy to talk to and willing to answer any questions. This is my second time working with John and team and I’ve had a wonderful experience both times. Super thankful for all their help, guidance and hard work they put into making my refinance experience so easy.

It was easy to complete everything online without even leaving my home. Everything I was told was accurate, no surprises!

I am a first time home buyer. John communicated with me every step of the way. He was very thorough in explaining content I did not understand and followed-up with me to ensure I was satisfied throughout the buying process.

John was available to me when needed after normal business hours. He gave me confidence in being the best person to handle my refinance.

John is easy to work with, responsive, and just gets the job done. Thank you, John!

I was kept up-to-date on every step of the refinance process. Also the online doc sign procedures were easy to do.

John made the process simple and clearly explained each step. He stayed ahead of the game allowing for a very smooth close. Highly recommend John to all of my friends!

Great experience! Will be recommending John and his team to my family and friends.

Communication was quick and helpful. All my questions were answered and clarified very well. Our final result was exactly as stated.

John Kolb and his team made the process, that if often characterized as complex, very simple. Each question was addressed and resolved in a timely manner that we understood and were comfortable with. We never experienced any pressure. John operated in our best interests. Our family is delighted with the value and service that was provided. I would happily recommend John and look forward to doing so.

John made the house buying process smooth and procured a great rate for us.

Great service, good rates!

Easy to work with, knowledgeable and took good care of us.

John, answered all my questions and always kept me in the loop. I was a first time home buyer and he was so patient with me.

Great communication when I didn't understand something. Very knowledgeable and trustworthy. He really had my best intentions at heart.

Open communication and quick responses.

John has been our go-to mortgage expert for over 10 years! He is always fast to respond, accommodating, and super friendly! I would recommend his service anytime

John was professional, friendly, helpful, and patient throughout the entire mortgage process. John was also available even on nights and weekends for questions. He went above and beyond by getting us an even lower rate than initially estimated as well as provided sound advice!

Johns and his team were great to work with as we secured our dream home! They were always there when we had any questions and made everything go as smoothly as possible! I would highly recommend using John!!!

John was very attentive and made it happen.

I liked all the quick responses every time we had a question about something. Also everything was explained very well.

Great guy to work with and obviously a great supportive staff. He always comes through with the best rate. This is my 5th refi or new mortgage with John over the years. Thanks again John!!

John was extremely patient and professional during the process. He continually went out of his way to ensure that we were not only informed on the timeline, but that we were comfortable with it as well.

John was always attentive and responded to emails and phone calls quickly! He was very informative and made the process of purchasing our first home a smooth experience!!

John and his team are very easy to work with. They made the whole process stress-free for me and I wouldn't hesitate to recommend them to others.

Easy to get get ahold to answer any questions I had. He explained and walked thru with me on all the numbers that I was looking at on my closing papers.

John was very helpful with the mortgage refinancing process and took the time to answer my questions. I felt comfortable speaking with John and the everything aligned on paper with what we discussed over the phone as agreed upon. The whole process went smoothly and we were able to close relatively quickly, thanks again!

John is very professional and always is there for any questions and is very timely in responding. Would give John a 10 for his service. Every time we have used John he has went above and beyond in his service.

Very easy to work with.

John is a great guy to work with. John was very patient and understanding with my computer lack of skills. John was always one step ahead of me to complete my refinance. I have a lower mortgage rate and paid off debt that was drowning me in interest rate/charges. I owe a lot to John and his staff for helping me out and saving a ton of money.

John's team was quick to respond whenever I needed anything, was very clear about the process and the online platform was incredibly easy to use and understand. I would highly recommend them and already have!!

As always, John was extremely easy to work with making the process quick, easy and fun!!! He always makes sure we understand what's happening and goes above and beyond. Thank John!!

Outstanding customer focused service with knowledge of the industry unlike any other mortgage provider I have encountered. I will continue to use John and Capital for myself, family and all client referrals until I retire.

Always available, knowledgeable, and great at simplifying the process for a first-time home buyer.

John Kolb and his team have great, timely and friendly services. They made all of my mortgage-related matters a breeze!

All information was accurate, no funny business. You made sure to get us started/finished in time to avoid new Fannie/Freddie fees. We are happy with our rate. lots of positives.

Because of the current economic conditions, it took a long time for the process to get completed. John was very proactive in getting information to the appropriate people in a timely manner. He was on top of the process and reported to us often.

John and his team are knowledgeable, honest and timely in their communication. We have referred our neighbor to team Kolb!

Overall service from top down. Very professional.

Moved things along for us quickly.

John is knowledgeable, responsive, professional and very efficient.

Very professional, responsive and courteous.

Very friendly.

John was on top of process every step of the way!

John was a delight to work with and kept us informed throughout the entire process. He was extremely proactive in making sure that our experience was quick and painless. I really appreciate his professionalism and communication.

This is my second time using the Kolb team, both times went perfect. Only place in town to get a mortgage.

John is easy to work with and always available to answer any questions. He's not pushy and gives the best advice for the situation.

John makes it simple. He makes the process go by very easy with little work on the customer end.

Easy to work with - excellent customer service.

John and his team made the process seamless, they provide more than one avenue to get them documents. In the midst of a crazy world, they were able to get me closed on my home early!! Thank you Team Kolb!

Your team makes this pretty easy for the homeowner!

John and his team made the home buying experience so stress free. It was our first home and he walked us through all of the steps and procedures and was very patient and knowledgeable. He was always available, and was able to get us in to our home before Christmas. I would recommend John to all of my family and friends. Thanks again, John!

John and team did a great job keeping me informed and helping with underwriting documentation. They did everything they could to keep the process quick and painless.

Clear communication, easy process, very accommodating.

John or his team were always Available for our needs through this process.

Great support and informative.

All-around awesome at what they do.

Always a pleasure. Made sure we met every requirement and deadline. Keep all sides up to date and moving forward.

John provided great customer service and made the process extremely easy.

Very easy to refi. Great communication.

His follow through, communications, and caring.

John and his team really assisted my wife and I with our refi in a very quick, professional manner. Great communication, follow-up and explanations really helped make our decision-making process seamless. It was a great customer experience.

John did an amazing job keeping us informed as to the status and clearly itemizing information and documents we needed to provide him. He got us a lower interest rate than we found anywhere else. It was wonderful working with John Kolb from start to finish and we will recommend him to everyone we know.

Easy, quick, straightforward, really nice people.

John pays attention to the small details and he does them right the first time. I can't stress how incredibly exhausting it is to constantly feel like you have to do everything yourself to ensure it's done right. It was so nice to not have to worry throughout this home buying process about completeness and accuracy. I'm very satisfied.

Great communication and how easy he made the process

John had great customer service and attentive towards us. Answered the phone 99% of the time and took the time to listen and discuss with us - we felt in good hands and that he was working in our best interests. John kept us informed in the process and progress of our cash out refinance. He went above and beyond in the end to ensure a timely close. If we ever get another mortgage it would be through him.

John Kolb has great communication skills, an attentiveness towards his clients, prompt on responding to questions and raise the bar of what a mortgage process should be.

Working with John’s team was great, everything from start to finish was great and would use them again.

John works hard to get me the best rate, and his communication skills are excellent. He follows up emails with texts to make sure that I have everything I need. He also works with a great team.

John's speed, constant communication and assistance through the refi process was very professional. I will certainly recommend him if anyone is buying or refinancing.

John and his team always make me feel like family. I feel like I can trust them.

Great communication, very helpful.

John in upfront and makes the entire process very easy for the customer. He immediately replied to all my inquires and answered all my questions.

John and his team treated me like I was their only client. They walked me through the whole process. The team always returned my phone calls in a timely fashion and made sure I understood everything before moving to the next step. In this day and age where everything is done over a computer screen, it’s nice to be able to have someone to talk you.

The easy online interactions between the company and myself. The follow-up with a phone call when I had not accessed my email information sent in a timely manner. The overall politeness of everyone I actually spoke with over the phone. The personal touch was awesome and I felt like I was your only customer at that time.

The service was first class.

Personable, efficient, and responsive!

We had an extremely good experience working with John Kolb on our home refinance. He was able to provide the best rate we could find and the whole experience was pleasant. He always let us know what was needed and communication was easy. He went out of his way to work with our schedule and always had positive attitude. We appreciate his hard work and will be referring friends and family to him!

John and his team made it very easy, by walking us through the refinance process.

John and Team Kolb are always a pleasure to work with!

Great working with John and his team! couldn't ask for an easier process.

Very easy to work with and get the answers I needed. The team does an amazing job!

John and his team knocked it out of the park! They were fast at every turn and lived up to their word.

John communicates very well and timely. Makes the expectations of the customer clear and easy to follow. Simply a joy to work with.

Experience and efficiency is unmatched! Another great close Team Kolb!

Thank you John for always taking the time to talk with me and answer all of my questions, truly appreciated! Excellent customer service!

Great communication. John always responded in a timely manner, was courteous and knowledgeable. We were very satisfied.

John was very agreeable and was willing to help rearrange my financing a bit so that I could afford the closing costs. It was a very nice touch.

Very efficient and knowledgeable of the entire mortgage process. Great communicator.

John was able to walk me through the process and explain things at my level. He also responded when my situation suddenly changed to ensure me that the decision still made financial sense.

Easy! John explained at the beginning what to expect and everything proceeded as expected without confusion.

The communication and timing were great!

John made the refinance process stress-free from start to finish. John's team guided us every step of the way. My questions were always answered in a timely fashion. I would definitely recommend John to anyone looking to refinance their home.

John is professional and always gets back to you. He is easy to work with and he is knowledgeable and friendly.

Communication was always right away and our process was the easiest it could have been.

John is truly the best at what he does. He is an absolute professional which makes the home buying experience incredibly simple and fun. John is great to work with, he is patient but also keeps the process moving forward which we very much appreciated. I will be recommending John to anyone I know who will be buying or refinancing a home going forward. Thank You for a wonderful experience!

The process of re-mortgaging was super easy. Everyone was polite, and helpful. The communication was great, and spot on. Would recommend to family and friends.

John and his team went above and beyond to help meet my deadlines and make sure I had everything taken care of. He and his team worked right along side of my Realtor as well. Truly a team effort to get my loan taken care of.

Working with John and his team was an absolute pleasure! They were extremely knowledgeable and helpful throughout the process. I would highly recommend them!

Working with John and his team was a great experience!

John and his staff made it easy to refinance. Thank you so much!!!!

John managed our home refinance, trouble shooting and navigating title and property discrepancies from prior transactions. His demeanor is professional, respectful and gracious. We truly appreciate his service.

John made it simple and easy. I completed the entire process only having to leave my house one time to mail John some docs. The closing even took place in my home and I live 75 miles from John’s office!

John Kolb was so very helpful and quick to respond to any questions I had no matter how trivial. We are so thankful that we had him to help us refinance. I would recommend him and this company to anyone looking for the best chance at refinancing.

I would much rather give my money to John than a stranger. He is honest, quick with follow up, thorough, and very good at his job.

Easy application process and quick responses from the team throughout the process.

Very nice to work with. Worked hard to get me all set up for my new home.

John and the entire team were very responsive and hands on. They answered all our questions and took time to explain every step.

Everything was seamless. Easy process and thoroughly explained. Pleasure to work with.

John and his team handled everything with complete efficiency and went above and beyond to make certain everything went seamlessly.

John Kolb and his team made the entire mortgage refinancing process a breeze. They were extremely efficient, flawless and incredible to work with. John and his team advised me on the best possible scenario for my situation which will end of saving me tens of thousands of dollars in interest over the life of my loan. Loved how organized the email communication was and the ease of getting them my documents. Everyone was a pleasure to work with. Five star service!!!

John was quick to respond to questions I had, and the information he provided was accurate. No surprises at the closing table! Thanks, John!

Team members were very helpful and pleasant

John was amazing to work with! He answered all of my questions and was quick to respond. He got me a better deal than what we had!

Working with Jeff and John was seamless and easy peasy. They are our "go to" team for mortgage related needs.

Communication was great.

Quick responses and accurate numbers to base decisions on!

Personal service. Prompt response to queries!

Fast, great communication, easy process!

Ease of process like signing online.

John was easy to work with, and seems knowledgeable. The process was smooth and easy.

John was amazing. He was on top of everything. If I had a question he answered it quickly. He walked me through the whole process. I would HIGHLY recommend him.

John had excellent communication and patience throughout our entire experience. That was VERY helpful. He was knowledgeable and also friendly and easy to speak with when we needed to. It was a great experience overall!

Helped every way possible!

There was always great communication and the ease of getting everything signed

The responsiveness and John's professionalism

There is a fabulous team there, so that even if John was away he had his team available! The others on the team were knowledgeable and responsive. I always knew my status on my mortgage application.

He is very knowledgeable about the process. Was always available. I would not have this house if it wasn't for him.

John is very professional, responsive and knowledgeable.

John and his team are on top of everything, quick and communicate wonderfully.

Communications, ease of uploading and signing documents.

John is proactive and makes the process seem less and easy for his clients. His team also keeps you well informed so that you know what's coming and there are no surprises. Excellent work.

John Kolb and his team were fantastic!!~Professional, knowledgeable, friendly and made the mortgage process seamless!

Loan officer was always available to answer all our questions and patient with us. Explained things thoroughly and in a manner that we could understand.

Always quick and very responsive.

Very helpful when it came to this process. We were first time home buyers and didn't know much about the process, however, John and his team were very considerate throughout.

This is the second home that I contacted John and his team to help us with. The process each time has been smooth and stress free!

Great communication, on top of their game.

John's group was so patient and helpful. The process from start to finish was done with ease!

John was there every step of the way and was able to explain any questions I had. His no pressure approach was very comforting during this time of chaos.

John is on top of things better than I could ever imagine. He worked closely with my realtor so I didn't have to be bothered. It was a fantastic experience working with him again.

We reached out to John over the weekend and he responded right away. We were very impressed that even over the weekend John was available and responsive. He worked with us through the loan process from the beginning to end. He was reliable and friendly. We would work with John again and will gladly recommend him to others.

John understood this is our first home that we were purchasing answered every question we had and was there for us even at the hours to the best of his ability we thank for his time and patience.

Very helpful and expedited the whole process.

Easy to communicate and answered all questions.

Communication. Help through process. Kept to schedule.

John worked diligently to assure my closing would happen in a timely manner. We exchanged calls as late as 8pm . I knew he was working hard. As a business owner, there are always extra hurdles to overcome and John made it happen.

John was very communicative and gave me the information I needed in a form I was able to easily understand.

John was great. Answered all my questions promptly and clearly. My refi was made effortless thanks to the team!

You and your team made this entire process extremely smooth and efficient for my wife and I!

John Kolb is hands down the best. His team and the entire Capital Mortgage Funding team make the experience very easy and seamless!! A pleasure working with him!!

John made everything so easy for my husband and I. He always answered promptly anytime we had questions. Highly recommend him!

John has great follow up and was very informative. Great guy to work with!!

My file was a bit complicated and the work that John and his team did behind the scenes made it a seamless process on my end.

Quick and easy, excellent support team.

Very attentive and engaged throughout.

John and his team made the entire process go as smoothly as possible.

Friendly, efficient, quick, available! Thank you!

I felt that John really worked to create a mortgage based on what I wanted and the technology the company uses for communicating and document sharing is very modern and convenient.

John was quick and communicated well for those of us who found the home buying process overwhelming! Thanks for holding my hand!

John was very helpful throughout the entire process of my first home buying experience. He worked extremely hard and efficiently to help me close on my home in a timely matter. I strongly recommend others to trust John with their mortgage. Thanks for all your help, John!

We love John Kolb. I have done multiple transactions with him over the years and have only had the best service from him. I would highly recommend him to anyone looking for a mortgage.

John and his team went above and beyond to make my wife and my home buying/mortgage experience low stress. I always felt supported and informed.

John was extremely professional and helpful when I decided to refinance. He helped me shop around for the best insurance as well as getting me a great rate! I would highly recommend John Kolb to assist anyone with their mortgage needs!

So responsive, such a crystal clear process which is all you can ask for.

Financing and refinancing is always easy with John. I have recommended him to friends and family and everyone has been very pleased with him.

John and his team were very responsive, helpful and kept me informed through the whole process.

John and his team were amazing at communicating what was needed during each phase of the process and made sure everything went smoothly.

John was extremely helpful, responsive, and informative. He walked us through the mortgage lending process and was happy to answer any/all questions we had with the immense amount of paperwork involved in the mortgage lending process. As a result, we would recommend John to all of our family and friends!

John and the entire team made the experience very, very easy. They were sure to communicate often with the perfect level of details needed. I was truly amazed at how they handled everything so smoothly. They were absolutely fantastic!

Can't believe how quick and painless my whole re-fi was! John was very helpful explaining details and what to expect. Great work by the whole team!

John was very helpful and upfront with all the details. He was transparent with the information and very courteous in making sure we understood our new financial loan. So appreciate his attention to detail and friendly demeanor.

John was very easy to work with. He was very nice and was a great communicator.

John Kolb and his team were a pleasure to work with, made my refinance go very smooth and got it done quickly.

John was very helpful, answered all of my questions, and made it very convenient for me to submit paperwork and acquire my loan.

Very professional. Made it very easy for us.

Best refinancing experience.

Working with John Kolb and his team was a great experience. My questions were answered in a timely manner and the whole process was smooth and effortless.

The refinance process was fast, easy and John was always accessible any time I needed help or information. The online format and e-signatures made the entire refinance process go smoothly and quickly.

Made the whole process easy. Very professional. Great to deal with.

We had a great experience!

Clear communication, quick responses, good rates and fees.

John was very professional and helpful at each step in the process!

I was referred to John Kolb by a family member. So glad they did, him and his team made the whole process so easy on me. They answered all my questions promptly and provided all the information I needed. Will use him in the future and I would refer him to everyone.

We have been going to Capital Mortgage Funding for all our mortgage needs for almost twenty years. I love how John and his team make you feel like family. The whole process was seamless and stress free from start to finish. Thank you Team Kolb!!

I was consistently kept up to date with the progress of my refinance. John was very accessible/easy to get a hold of as needed and always answered phone calls or responded to emails in a timely manner. Online application process was straight forward with uploading of required documents, e-signs, etc.

John and his team made the entire refinance process easy from start to finish. They kept me informed throughout the whole process. Thanks John, Jeff and Emily!!

John did an awesome job of making sure everything was submitted properly. He made purchasing a home and obtaining a mortgage very easy! Thanks John. It was truly a pleasure.

I had nothing but great interactions with John and his team throughout my whole process. I was able to have any questions answered quickly and efficiently.

Good service, and once we got to the closing table, everything was ready. No waiting - just signatures.

I always feel John has my best interest in mind and does whatever he can to help.

John did an awesome job of making sure everything was submitted properly. He made the purchasing final a home and obtaining a mortgage very easy! Thanks John. It was truly a pleasure.

Thank you, John for making our dream come true!

The process was simple and fast. Thank you John!

Very friendly, pleasant and informative group to work with!

John was always available for questions when needed and walked us through every step of the process.

John was accessible and very knowledgeable about everything that he was doing. Him and his team made it very easy to get this process done.

John and his team were always available and responsive to our needs. They were clear and concise in what the process was, and what next steps were. Most importantly, John treated us like family, and was on our side throughout the process.

Everything was great and fast.

The communication was great and it was a fast process.

John and team were wonderful! They were always available to answer questions and address any concerns I had. They really made sure I felt comfortable and informed with the decisions I made as a first time home buyer, that was priceless for me.

I had one of the best, seamless and professional teams working on the mortgage. Thank you Kolb.

John and his team are AMAZING. We've done this home-buying thing 4 times now, with a couple of re-fis in there, too, and this has BY  FAR been the smoothest, easiest, most straightforward experience with a mortgage company that we've ever had.

John was always available to talk or got back to me quickly. He was really patient with me asking a lot of questions as a first time home buyer, and worked with me to find the best rate possible. I'm glad we had Team Kolb throughout this experience and would recommend them to anyone.

Dealing with people you know and trust and is there for you when you finally find that house, was very comforting! That's John and Team Kolb! These guys are top notch performer who make you feel like family. We've had previous transactions with John and I know we will have more in the future. Thank you John for everything!

John was on it from the very start! I never had to reach out to him to see what was going on, he was in constant contact via phone calls and emails. He took great care in making sure everything went smoothly and swiftly! He was an absolute pleasure to work with and did a fantastic job!

John and his team worked extremely quickly and helped make buying a house surprisingly painless. As a first time home buyer, I had some questions. Every email I ever sent and every question I asked was responded to promptly and clearly. John and his team were very diligent and they've completely earned my recommendation.

John Kolb really worked hard to get us in our new home!

Thank you for the card and gift basket, it's much appreciated.  Also thank you for the wonderful job handling my account.  I will definitely be recommending you folks to anyone looking for a loan.

John is excellent to work with. John takes the time to understand your objectives and comes up with creative solutions to meet expectations from both parties.

Mr. Kolb was great. Walked me through the process every step of the way and got my loan done in 30 days Great service. Thanks again John.

Thank you very much for the very thoughtful gift. Once we are settled in over there, it will definitely be greatly enjoyed. I wanted to let you know that I have referred a good friend and co-worker to you.  They found a house and will likely need to close quickly. Thank you again for everything!

Thank you all so much for the thoughtful welcome basket and card. This is my second mortgage with your wonderful group and I once again could not be happier with the outstanding service and care we received! Thank you all so much!

You made the mortgage process smooth, I truly appreciated the quick response From everyone.  Will 100% recommend your services to family and friends.

Mr Kolb is the 'BEST!' He guides you all the way through the process, leaving you with a very comfortable experience.(Like a family member assisting you) GREAT JOB!!!!!!

John Kolb is the BEST mortgage banker hands down!! Attention to detail, timely and professional!

THANK YOU AND YOUR TEAM for all your assistance with the mortgage! Andy and I very much appreciate it. Also, big thanks for the gift basket, yummy!