Testimonials

The day of the loan, he called us and told us we could actually lower the interest rate that day if we wanted to wait a few days, which I don't think many lenders would ever do. So it was a great experience, I'd recommend him to anybody.

Dr. Tricia and Derek Twelves - Riverton, Utah

We have been very impressed with Josh and his team.  In fact, I first learned of Josh through one of my physician clients.  The feedback was so outstanding that I decided to contact Josh directly and meet.  Since that time, we have been extremely impressed with Josh’s knowledge, customer service and strong desire to continually do what is right for his clients.  As a result, we have been referring our clients to Josh and the feedback continues to be exceptional!

Jeff Zesiger, Vice President, UMAFS (Utah Medical Association Financial Services), Salt Lake City, Utah

Dr. Caitlin Parker physician mortgage
Josh and his team were incredibly professional and handled all of our paperwork in a timely fashion. The whole team was very detail oriented throughout the entirety of our pre-approval process and was a pleasure to work with on all accounts. I will absolutely be recommending Fairway to my peers and colleagues who are looking to buy a home.

Dr. Caitlin Parker and Scott Parker, Taylorsville, Utah

Ellsworth TestimonialMatt Smith and the team at Fairway made our home buying experience great. They communicated with us every step of the way, made adjustments quickly as needed and were knowledgeable and professional throughout the process. We'd definitely choose to use them as our lender again and would recommend them to anyone!

Dr. German Ellsworth, M.D. and Melissa Ellsworth, Intermountain Healthcare, Layton, Utah

Awesome. Matt is the best. We would suggest him to everyone. Super fast and efficient.

Cade and Jessica Lundberg, Magna, Utah

Working with Ross from Fairway was a fantastic experience. He was informative, honest, cordial and always prompt with his replies. We would recommend both Ross and Fairway to anyone looking to buy a new home!

Dr. Jeremy Hunt, and Crystal Hunt, HealthPartners, St. Paul, Minnesota

Thompson familyThis was our third mortgage company we have worked with and our second time to use a physician loan , and Fairway was by far the best we have worked with. We worked with Ross, who was fantastic. He would always be contacting me and updating me with progress. I knew my phone calls would always be immediately returned and he was knowledgeable and patient with my questions. The Fairway online account made reading and uploading documents easy. Buying a home can be stressful but Fairway made it easy- even the realtor and the title company were impressed how quickly the documents were sent over.

Jared Thompson, Meridian, Idaho

Cottle familyScott Breen and Glenda Marchessault were fantastic to work with. We had prompt communication and they were always willing to answer our million questions! Thanks for making the home loan process such a breeze!

Darrin and Sterling (Penni & Bourbon), Physician Assistant, Salt Lake City, Utah

#1 physician, conventional and VA home loansNow that the house dust has settled I wanted to take a minute and tell you how much I appreciate everything you did for me. I am deeply grateful for the way you stepped in and took care of the loan. After I didn’t close on time, I expected the other lender to really step it up and make sure everything came together. When another 4 days went by without any progress, it was clear my best option was going with you. I had no idea if it was possible to do a loan so fast, and was pretty sure I would lose the house. But as each hour and day went by, it became clear you knew what you were doing and that the loan would come through. Knowing up front what my obstacles would be was so helpful, and it gave me time to find solutions.

I also want to make sure you know much I appreciate Ashley. I’ve worked on construction projects around the country with budgets in the hundreds of millions. I have never worked with someone so remarkable. She was supremely competent, and at the same time delightful and kind. She was in touch all hours of the day, and into several late evenings. Her dedication and kindness was something I have never experienced before in business, and will never forget. I hope she is very well taken care of there.

Words won’t ever convey how grateful I am for you two and all the folks behind the scenes. You are amazing and wonderful people, and I was honored to work with you.

Paul McMullin, Sandy, Utah

doctor mortgage, physician home loanScott did a great job getting us a Physicians Loan! The loan process was relatively quick and easy, and they answered all of my many, many (annoying) questions :) We would highly recommend Fairway to anyone buying a house in the Salt Lake area. Thank you for all of your time and quality service!

Dr. Dasha Kenlan, Resident, University of Utah, Salt Lake City, Utah


Our experience with Fairway was phenomenal. Dan was incredibly helpful, answering all our questions throughout the process and ensuring we found the loan that worked best for our needs. Everyone we worked with was friendly and professional. We recommend them to everyone we know who is looking to buy a home!

Dr. Caitlin Gallagher and Erin Gallagher, Helena, Montana

California mortgage lender
This was our first home purchase and we couldn't have been happier with how the whole process worked. Not only was Josh extremely helpful in answering all our questions, but he put us at ease with the whole purchase knowing that all the analysis he provided us were accurate and we could anticipate our financial situation. We purchased a home in California and the whole process was very smooth even though we were in a different state. The loan came through much quicker than we anticipated and we were able to close early. We are thrilled to be in our first home and definitely recommend Mettle Group to anyone thinking about purchasing a new home.

Joe and Whitney Baxter, Scotts Valley, California

Weronica Douglas review, dentist mortgage
Shane Barker and the fairway Independent Mortgage team were amazing to work with and got everything ready to close on my house before the builders were able to build it. Shane went the extra mile to make thing quick and easy.

Dr. Weronika Douglas, DDS, Horizon City, Texas

Kristina Weitzel review, veterinarian mortgage
We are so thankful for everyone that made the loan process go smoothly for us! We love our first new home!

Dr. Kristina Weitzel, DVM, Columbia, Missouri

Thank you Fairway for helping me with my VA home loan and to Mike Jones for making it easy and hassle free. I will recommend you to anyone who is interested in buying a house. Thanks again.

Timothy Haws, Cedarview, Utah

After calling every bank in town, every one of them either didn't call us back after our initial conversation, or they told us they were "weary" of us getting approved for a home loan with our debt-to-income ratio. Being first time home buyers was extremely scary and stressful, but Fairway Mortgage took all of that stress and fear and turned it into confidence and power. We were given a book to empower our understanding of the home buying world and lingo, we always received quick responses from our loan officer (even on weekends), and we were never in the dark with our application status. I had full confidence with Fairway knowing our situation as recent medical school graduates and never had a worry. This was huge for us! We started the process of applying for a loan with a local bank that our real estate agent recommended, and when I would ask her questions I felt like she was annoyed she had to explain what everything was and that I didn't understand all the lingo. I never felt that way with Fairway. My loan officer was always happy to offer explanations and help. He usually offered them before I even had to ask. Fairway truly was a breath of fresh air for us! I would recommend them to everyone, but especially families who are a part of the medical community and have a large amount of student-loan debt.

Dr. Trevor Pugh, University of Washington-Boise, Boise, Idaho

physician home loan, doctor mortgage
Thank you for helping us buy our first home! Getting a loan is a stressful and complicated process and working with Fairway helped make it smooth sailing. Thanks again!

Dr. Sally Jensen, Blackfoot Idaho

I was hesitant to work with an out of state mortgage broker, as I had been warned against it by several real estate agents. But in all my chats with Dan Hulverson of Fairway, he was professional, informational, and quick to respond. He was knowledgeable about the tricky aspects of our market and helped us to navigate through that. He and others on the team worked well with our real estate agent and was on top of every deadline. Not only did Fairway offer us the best terms for our mortgage, but also, it was a pleasure to work with them. I would highly recommend Dan Hulverson and Fairway Mortgage.

Dr. Jill Morgan, Resident Physician, Portland, Oregon

Jordan was great! He advocated for me through some bumps in closing.

Dr. Jessa Derania, Resident Physician, Tulane University, New Orleans, Louisiana

It was such a smooth experience with Fairway Mortgage. They were always available and ready to help. Most importantly whenever I had a question I received a prompt response. Thank you.

Dr. Karam Obeid, Infectious Disease Specialist Assistant Professor, University of Minnesota, Minneapolis, Minnesota


We had a wonderful experience with Josh Mettle and Fairway Physician Home Loans. This is our fifth mortgage for our third house and this is BY FAR the easiest process we have had. Josh Mettle and his staff were superb to work with and communication was superb. Thanks for everything!

Dr. Eric Rush, Children's Mercy Kansas City, Parkville, Missouri


After struggling with a lender that was unfamiliar with physicians loans we discovered Josh Mettle with Fairway. Fairway was clearly the right choice! They worked with us throughout the entire process, kept us updated by email, documents were easy to access, and our questions were promptly answered. Even our realtor commented on the high level of professionalism and ease of working with this group. We are super happy in our new home - thanks again for everything!!!

Dr. Jonathan Muretisch, Resident Physician, Caldwell, Idaho

We worked with Mike Jones and it was great. He was very eager to help and he was always available for questions. Kept on task and moving forward. He and his team was able to get the loan approved in a very timely manner. Overall very good people to work with. Our real estate agent has now been referring people to them as well.

Dr. Jesse Swift, Ophthalmologist, Albuquerque, New Mexico

I really appreciate all of the help that Fairway Mortgage provided me with throughout my first home buying experience. Ross, in particular, was extremely helpful through every step of the process, and he was always available when I had any questions or concerns.
Thanks again!

Christopher Belics, DC, Chiropractor, St. Louis, Missouri

Tohlen family testimonial
My husband and I were working with a different loan officer and company when we were looking to buy our first home. It was becoming an extremely frustrating and overwhelming process so we looked up and called Mike Jones at Fairway to get a second opinion. He was able to answer all our questions and concerns and put us at ease. We immediately switched our services to him. He and the staff at Fairway guided us through the entire loan process with detail and quickly answered any questions that we had and it was stress free. Thank you!!

Dr. John Mark Tohlen, Resident Physician and Sarah Tohlen, Amarillo, Texas

Brichta family testimonial
We had an excellent experience working with Ryan and the entire team at Fairway. They were all very knowledgeable, and had answers to all our questions. They were also very quick to answer emails and return our phone calls. The experience buying a house was easy with Fairway. They helped us get through every step without any major problems. I would definitely recommend Fairway to anyone looking to buy a house.

Dr. Jeffrey Brichta, Psychiatrist, Valley Hospital, Tempe, Arizona

Finch Testimonial
Working with Matt Smith and Fairway Mortgage was an excellent experience start to finish. Matt was pleasant, professional, and provided us an excellent loan presentation. He answered all of my questions and alleviated all of my concerns while navigating a tricky out-of-state purchase with a tight timeline. He was excellent at communicating with us every step of the way. The closing department did an excellent job in expediting things for us so that we could move on schedule. We would recommend Fairway MC, and especially Matt Smith, to anyone who is buying a home!

Dr. Danielle Finch, OB/GYN Resident, Baystate Medical Center and Michael Finch and Eleanor Finch, Longmeadow Massachusetts


We recently became first-time homeowners thanks to Mike Jones and his team at Fairway. After having a frustrating experience with Bank of America, then another roadblock with Security National, and two other phone calls to other lenders, we finally found our fit with Fairway Physician Home Loans. Mike sent us a video comparison so we could see our loan options spelled out and he was readily available for all of our questions. He gave us a step by step process so we knew what was happening the whole time. He gave us confidence that we could still get into our home on our timeline and his team worked magic! We are deeply grateful for their efficient work and late hours spent on our behalf. Many thanks to Mike Jones and his team for making our dreams become reality! My family was able to move in to our first house where we have room to spread out, a backyard to play, and where loved ones can gather. THANK YOU!

Jennifer Brown and Dr. Chase Brown, Resident Physician, Springville, Utah

David made the mortgage process very easy, he was always quick to respond to emails and only a phone call away. My realtor also enjoyed working with Fairway Mortgage as she got all the information she needed very quickly. I shopped around quite a bit for mortgages. With Fairway I was given a fair rate and wouldn't have been able to purchase a home without them. They were very understanding of the situation graduating medical students are in and were quick to help get me get in a home. If you are a graduating medical student looking to purchase a home before residency I would recommend Fairway.

Dominic Diprinzio, Resident Physician, UMC Medical Center, Las Vegas, Nevada

Couzens Testimonial
I can't thank Scott Breen enough for his help! It was our first time buying a house, and he made the process much less intimidating. He was very responsive with emails and phone calls, and was very patient with my numerous questions. I would highly recommend him and Fairway mortgage to my friends and family.

Dr. Erica Couzens, Resident Physician, Fontana, California


Both Jeff and I are new resident physicians and first home buyers, and could not have had a better experience with Matt Smith and Fairway. The loan went through so quickly and flawlessly and we were kept informed of the progress all the way through. We both would highly recommend Fairway and Matt specifically, for any new physician looking to buy a home!

Dr. Jeffrey Penning, Resident Physician, Family Medicine Residency of Idaho, Boise, Idaho and Dr. Kelly Stanley, Resident Physician, Family Medicine Residency of Idaho, Boise, Idaho


They kept us informed through the entire process and made everything so easy!

Dan-Huy Nguyen, M.D., Doctor of Pharmacy, Edmund, Oklahoma

Matt was so helpful with everything we needed and so responsive, every person we worked with at Fairway was super helpful as we are first time home buyers. Thanks so much Fairway.

Jake and Taylor Larsen, Saratoga Springs, Utah

As an incoming resident, I called dozens of resident loan providers and got various high rates and difficulties in getting approved. However, when I contacted Drake and his team at Fairway they were the best price and the most friendly to talk with. Drake went above and beyond to let the seller's real estate agent know that our loan was solid. In this tough housing market currently this made our home offer much more attractive and serious which made a huge difference. Drake even helped push the loan to close sooner so that we could move in sooner with a baby on the way. Couldn't say enough good things about everyone at Fairway. Looking forward to sending them my friends. Thanks!

Dr. Andrew Frierson, Resident Physician, Redlands, California

Browne Testimonial, mortgageThat fateful day in December 2016 when our financial advisor introduced us to you and Fairway Independent Mortgage Corporation was a huge blessing! You quickly understood our extenuating circumstances and despite being in another state, begin to work with us right away. You and your entire team worked tirelessly, professionally and coupled with the human element, to secure the mortgage loan for us. We successfully closed the deal on 2/28/2017, yeah! We just want to take this opportunity to say a sincere thank you to you first and foremost as you were instrumental in getting the ball rolling on our behalf. We also wish to say special thanks to Ashley Garcia and Wendy Spaeth as they professionally and patiently helped us through the entire process. Five thumbs up to Scott Breen – in our opinion, he’s the best in the business!

We highly recommend Fairway Independent Mortgage Corporation to help anyone who is considering getting a mortgage. They will get the job done!

Lornette E. Browne and Geoffrey A. L. Browne, Mirimar, Florida

Dr. Balle testimonialWe were first time home buyers and as such, pretty overwhelmed with the process. David Nelson and his team was refreshingly responsive to any question we had, often getting back to us within minutes. This was especially helpful as we were house hunting out of state and making offers in a very fast housing market when every moment mattered.

David did a great job explaining every aspect of purchasing a new home and provided us with educational materials to become more acquainted with the process. Heather was also very helpful and great at organizing and finalizing our portfolio.

We love our new house and are very pleased with our competitive interest rate. Many of our friends are shocked when we tell them the great rate we got with our physician home loan. >

We have really been very pleased with the team. My only constructive criticism would be to let your clients know who will be taking over the mortgage. I knew that our loan would be "sold" to another mortgage company, but I got a call out of the blue from Penny Mac. A heads up would have made me feel a little more comfortable when hearing from the new servicer. But like I said, we have been very, very pleased with our experience and anybody that asks we recommend you. I actually gave David's number to one of my fellow interns.

Kristian Balle, M.D. and Malori Balle, Resident Physician, Good Samaritan Hospital

The Physician Group made the process of buying our first home efficient and easy.The Physician Group made the process of buying our first home efficient and easy. Being 1st time homebuyers, they made each step of the process flow seamlessly. The team would respond within 1 hour each time and would send almost weekly emails to check in on me and to explain the process from that point in time. They helped me secure a great home loan and secure a loan to pay for the down deposit, since I was a poor medical student and could not afford this on my own. Even more, they set me up with an excellent realtor so that I didn’t have to do research to find one on my own. Overall, being a medical student, and now a doctor, with very little time, the Physician Group made the whole process enjoyable for both my wife and I. I fully recommend anyone looking to buy a home to explore what they can do for you.

Dr. Chris Newberry, M.D., Otolaryngology, University of Utah Hospital

Mike Jones was great at keeping in contact with us and keeping us well informedWow it’s been 3 months since we have bought our home! We have remodeled, painted, gotten married and added a baby to our household! We haven't had the opportunity to reply to your email with the family photo as we haven't all been home at the same time until now! We welcomed Michael Lee Cochran into the world June 6th! We would like to take this opportunity to send you our first family photo taken outside our gorgeous home that was financed here. We had such an amazing experience with the team. We felt Jeana was amazing, persistent, and on top of everything. Mike Jones was great at keeping in contact with us and keeping us well informed. When things seemed to go off track he would reassure us that things were moving along or handle whatever needed. It was a very stressful process but they helped us stay focused on what we needed to and took humor well in light of the situation. I would highly recommended Mike Jones and team. They helped us get into the home of our dreams.

Brad and Tiffany Cochran, West Haven, Utah

n family happy homeowners
I have nothing but good things to say about David and his team. They were good communicators throughout the process, and provided me with answers to my many questions as a first time home buyer. As a medical student, it was hard for me to take time off of work for phone calls etc. during the day, which I was concerned about. David and his team were very flexible about this, and the majority of the process was done via email, and online document signing. Very efficient. Very professional. I also very much liked the financial info David sent me, very informative and easy to read for someone who doesn't have a finance background. Thank you for everything.

Dr. Daniel Johnson and Family, University of Texas Health Science, Resident Physician

Kapalis happy friends and clientsI would highly recommend the Physician Group. They understood the unique needs of our family so well. My husband is very busy in his practice, so he told Joel (our loan representative) "Just talk to my wife". And from that point on Joel and I were able to take care of everything in the loan process without bothering my husband (besides a few signatures). They were even able to grant us a loan in the midst of a job change. Joel helped me understand every step of the process. When the sellers got nervous that we were using an out of state lender, Joel worked with our agent and the seller’s agent to make sure they were comfortable with the process. He was truly committed to getting the loan process to work for us. We received emails on a Sunday on a holiday weekend. There were checks and balances all through the process to make sure we stayed on track for our closing. They were so efficient all the necessary paperwork for closing was in 1 week early. Not only was Joel easy to work with but so was Ashley. When working with her I was so at ease, and I really felt like I was emailing a friend. In the end that is what I would tell my friends... When dealing with you, I didn't deal with agents, I dealt with friends. People that wanted the best for me and understood me. People that I trusted completely, and people who at the end of the process weren't our agents, but our friends.

Dr. Matthew Kapalis and Molly Kapalis, Doctor of Osteopathy, CHi Health Clinic

Gentry satisfied clients
Our experience with the team and Mike in particular was fantastic overall. It started with us not being sure of what we were doing as first time homebuyers. Mike was very responsive in sending us everything we needed to do, and then when we were still unsure and wanted to meet with him, he immediately set up a meeting in person to walk us through it. After meeting in person, we felt confident in Mike and team to handle our home loan and that we were proceeding in the best way possible. We then went under contract on a house we loved and left the country! Mike constantly stayed in touch and kept us up to date with what was needed and I was able to get all of our documentation and ducks in a row from outside of the country thanks to some late night phone calls. We closed without a hitch and everything went smoothly just as Mike reassured us multiple time it would. Again, overall we had a fantastic experience and would highly recommend them to anyone in the Salt Lake area.

Tyler Gentry, Salt Lake City, Utah

Happy clients We selected The Mettle Group to help us refinance our mortgage because we knew one of the mortgage brokers. As it turns out she came with a host of support staff that made the process really easy. Instead of multiple meetings at an office that would take us away from our busy schedule we were able to arrange everything via email and the web portal - where we uploaded all the necessary documents and were able to e-sign the various disclosures. They also kept us up to date on the process every step of the way, so we knew exactly what was going to happen and what we needed to do at any given stage in the process. It was really easy. When the end came, we needed to sign the final documents at home. They set that up and made it happen. The entire process was pretty smooth and painless. We would go with this team again without reservation.

Robert and Ann Jensen, Saratoga Springs, Utah

Konkright pleased homeowners
Attached you will find a photo taken of our family in front of our house the day that we moved in. We were so happy with all the help Evelyn and Heather were with their quick responses to our questions that we had.
Being a first time home buyer it was very important for us to have someone who would answer and explain our questions as we went through the process.

Chapan Konkright, Herriman, Utah

Baron Family TestimonialI called Brandon with some questions about refinancing our home and he couldn't have been more helpful. He had previously handled our original loan and walked me through every step of the refinancing process. He and his staff were professional, answered every dumb question I asked, and made the process as smooth as possible. If we ever need to refinance or get another home loan, I will call Brandon for sure!

Josh and Brittany Baron, Lehi, Utah

My husband and I have had two excellent experiences working with Josh Mettle and his team. We initially worked with Josh when we bought our first home. When we decided to refinance our home in order to do some remodeling, Josh was the first person we called. We really appreciated how organized, thorough and patient he was with us as we went over our options. We couldn't have been happier with how easy and fast the refinance went. It's always such a relief to walk away from big decisions feeling completely comfortable in your choice. Thank you again for all of your help. We can't wait to get to work on our house.

Anne and Ryan Terry, Sandy, Utah

GardnerWe recently completed a home loan refinance with Matt Smith and his team and had an awesome experience! Matt helped us through the initial phases and determining the best mortgage option. They were insightful in helping us secure the lowest interest rate possible--even when it meant more work and hassle for them. They saw to every detail and made it as easy as possible for us. They kept things AHEAD of schedule and closing could not have been easier. If only this level of customer service existed in all the other facets of life. This is an excellent team of professionals and we will definitely be back with all future real estate ventures. Thanks guys!!

Dr. Aaron Gardner & Mrs. Amy Gardner, Pediatrician, Mountain States Neonatalogy

ShawShortly after moving to Utah my wife and I realized that we needed to move out of our apartment and buy our first home. As young professionals, a dentist and attorney, we had been in our fields for less than six months. We started searching for lenders that would work with us to get a mortgage. I spoke with several brokers that quickly informed us there was nothing they could do for us. I contacted Ross Zimmerman and ensured us he would do everything he could to help us find a mortgage. He was quick to respond and made sure that he had everything he needed to search for a lender that would work with us. Although it wasn’t easy, he was able to find a lender that was willing to work with us. He and his support staff, particularly Cathy Richardson, were very professional and helpful guiding us through the process. They were always very responsive and informative when we had questions. They were able to secure a lender and help us get to closing. Instead of checking with other brokers, start with Ross Zimmerman and team. They will do what it takes to get you into your new home.

Luke Shaw and Dr. Rachel Shaw, DMD, Springville Dentistry, Springville, UT

Cameron JankeOur recent home purchase was the second time the Mettle Group has helped my family and I finance a home that would meet our needs. I have noticed and appreciated the availability of Josh and his team. They were readily available to answer any questions by phone, and were very responsive to my emails. I also really liked the automated emails during the underwriting process. Each time my loan would enter a new step in the underwriting process, I would receive an email notification; the email would have information about the current process and what I could expect going forward. Overall, the Mettle Group makes financing of a home purchase as painless as possible, which I very much appreciated.

Cameron Janke

Satisfied mortgage clientWe went through Brandon Hatfield and the experience was wonderful. Mortgage loans these days are very intricate and detailed, not like they were several years ago. Brandon needed to gather a lot of information from us to meet the demands of the mortgage lenders and title companies. He always maintained his professionalism and as well was able to interject some humor into the rigorous process. He made the discovery process as enjoyable as possible and was able to explain the criteria for a loan and why we had to produce the financial information that was asked for. When you have a difficult process like this one to go through, its best if you can trust the person on the other end of it. Brandon is fun to be around and adds a touch of comfort and class to the whole lending process. He is honest and takes the time to explain WHY you need to do what you are doing. I would recommend Brandon Hatfield to anyone that needs a mortgage lender.

Don Lemke

I would like to take this opportunity to express my gratitude to Ryan Davis and team for a wonderful experience in refinancing my home. Ryan was very knowledgeable and pleasant to work with. I was amazed at how quickly the process moved along and the loan was approved and closed. It was comforting to know at what stage we were in throughout the entire process. I would definitely recommend them to anyone needing assistance in buying or refinancing a home. Thanks to all who helped me achieve my goal!

Lynda Smith

Donavon and I just wanted to take a quick moment to say how absolutely fabulous you guys were to work with (once again) during our loan process. You guys know your stuff, are professional yet personal at the same time, and make the entire experience as stress-free and straightforward as possible. So THANK YOU!! It's so much appreciated!!

Andrea & Donavon Minnis

Gerrior 2 days before our mortgage was to close (and 1 week before our wedding) Bank of America pulled out due to my lack of a green card. We were devastated. We had put in so much time and travel to find the house, and it was 6 weeks before my start date. I called local banks in regards to physician loans with no success. In a last desperate effort I googled. And it was the best thing that could have happened. I called Drake that day and he got back to me with great news the night before closing. He was able to smooth talk the realtor into holding on and selling to us. Such a pro. We closed on the house 30 days later. During the next week Ashley helped us through the paperwork and we had most done before our nuptials. The team is wonderful. I wish we had been with them from the beginning. We got a great rate, no problems at all. They even sent us a wedding gift!! Don't hesitate to let this team help you.

Melanie Gerrior, MD, Hospitalist, Valley View Hospital, Glenwood Springs, CO

Happy dentist homeownerWe worked with Josh Mettle and his team on our first home mortgage. We went into it pretty unfamiliar with how things work and the whole loan process and his team was so great to explain and help us through everything!! We were purchasing our home at a very busy time and we were in a rush to get into our house and they were very promo to finish our loan and resolve any problems we had along the way so that we could get into our house in the time frame we needed. We really appreciated them and enjoyed working with them.

Megan Griffin and Alec Griffin, DDS, Dental Resident, VA Hospital

Happy first time homebuyer My first home! I was completely unaware of the amount of work/commitment that goes into the loan approval process. I would choose no one other than Joel and the team. All questions/concerns were thoroughly answered in a timely manner (either via email or over the phone). Two big thumbs up and a 10/10 from me.

Scott Paulsen, Salt Lake City, Utah

Hicks
My wife and I were treated like gold throughout the entire process working with Josh and his staff for our home loan. Even after I closed I was skeptical that if I had a question about our loan that we wouldn't be helped as quickly. I was wrong; Josh replied to my questions and was very helpful along the way and even after closing. Thanks Josh!!

Dr. Tyler Hicks, DMD, Dental Resident, VA Hospital, Salt Lake City, UT

Happy doctor mortgage client The Physician Group was wonderful to work with! They were extremely knowledgeable and always cheerfully helpful. They were always available to answer any questions and went above and beyond to help us in any way possible. We would recommend them to any potential buyer. They truly worked for us, and we had a great experience!

Amber Toole and Douglas A. Toole, M.D. Foot and Ankle Specialists of Utah

empey We had a complicated loan, and Brandon somehow made it all work. We also ran into some timing issues with closing, but in the end we were well taken care of. Brandon's team took a tough job and made sure we had everything we needed. Thank you to Brandon and his great team!

Natalie Killpack and Ryan Empey, M.D., OB/GYN, Granger Medical, Riverton UT

Skye Of course I would love to share our experience.
For me, this was very enlightening and positive. I was very pleased with the accuracy speed and attentiveness of your staff with my loan. I had not one bad experience and not one frustration. I was able to work, and live life through it all, without pulling my hair out. This was from what we were told almost a certainty with under writing. I will definitely recommend you in the future to anyone who asks. I would like to take this time to tell your staff thank you so much, Joel and Ashley were amazing and I appreciate everything that they did. There was one other lady that helped me when Ashley was out of town I can't remember her name unfortunately but she was also amazing. If I had questions they did their best to answer them as fast as they could. I felt like I was always in the loop.

Skye Hansen

PatDrake and his team were great at guiding us through the loan approval process in a timely manner. We got the loan we needed at the rate we wanted. I'd recommend Drake and team to all my friends and family in need of mortgage services. Thanks again!

Pat McLaughlin, Salt Lake City, UT

Happy physician assisitant homeownerVery awesome experience working with you. Excellent service. Will recommend you to others I know.

Brandon Hermansen, Physician Assistant

RappWe used Evelyn to buy our first home and she was wonderful to deal with! Our realtor wisely recommended her because she said Evelyn was "easy to deal with and very responsive" and she showed both qualities throughout the process. Anytime we had questions or concerns, Evelyn kindly answered them fully and quickly. We were as novice as two could be to buying a home and we were planning a wedding and new job and needed someone who could be quick and thorough and with whom we could trust, and Evelyn was perfect for us. Thanks, Evelyn!

Devin and Mady Rapp

Happy Berglund family with new home!I want to thank all the staff for all the help we had in our home financing process, especially Scott. He answered all of our questions and never put any pressure on us. We will refer anyone we know to the mettle group. We are customers for life!

Jesse Berglund

GardnerWe could not have asked for a better home buying experience! Working with the Mettle Group was an absolute pleasure from the first contact to closing. We were pointed to them by our financial planner at Larson Financial, where we greatly appreciate their excellent customer service, and we were pleased to see the same level of service with the Mettle Group. Buying a home in the current economic climate is no easy task. Even though we had our affairs in order and all of our documentation well-organized, there were still a lot of unexpected hoops to jump through. Matt and Ashley guided us through every step of purchasing our new home in Idaho. Every email or phone call was promptly returned. They answered all of our questions, explained each step of the process, and followed-up regularly. They took care of all the little details that we honestly just didn’t have time for. They were always ahead of schedule and redundant in their efforts, so that nothing would fall through the cracks when it came time to close. Even though our relationship with them was from a distance, we always felt like we had their full attention and interest. We very much appreciate their quality service, attention to detail, and personal touch. We would gladly give them our highest recommendation, and look forward to working with them for all our future transactions.

Dr. Aaron Gardner, MD. & Amy Gardner, Pediatrix Medical Group

Drake Bloebaum and his mortgage team provided extraordinary service to my family as we searched for a home this past winter. We ran into unexpected, serious issues with the home we had under contract and were forced to find a different home very quickly. Drake and his team did not express anything but loyalty, care, and motivation to help us throughout that stressful time. They were professional and accommodating when we had to expedite finances on the second home we had under contract (which is the house we now call home). I am so grateful we had such an amazing team! They never complained that they had twice as much work with us than they would have had with a “normal” home purchase. I will always speak highly of Drake and his team.

Tarah Stowell, CSW, Intermountain Health Center, Oakley, Utah

Saenz"I truly cannot thank Drake and his team enough for all of their hard work in allowing us to buy our first home! As brand new physicians who just graduated from medical school, it was a dream of ours to buy a home but we knew there were going to be many obstacles along the way. Drake and his team lead us through the entire process with patience and diligence and we cannot be happier with our experience. From initial phone call to signing paper work, Drake and his team were always available for questions and clarification of the process. We were able to buy a beautiful home in Tucson, Arizona and could not have done it without Drake's help."

Jessica August-Saenz, M.D. and J. Anthony Saenz, M.D., University of Arizona Medical Center

"Thanks Josh, you made this so incredibly easy (MUCH easier than my previous loan). I will definitely refer my colleagues to you."

Dr. Chad Spain, M.D., Intermountain Health Care

"My husband and I appreciated being referred to the Mettle Group. They exceeded our expectations. Josh has the best presentations that he emails to you so that you can have a video demonstration and explanation of the process and the actual personal financial savings. Since my husband was gone during this process I had a few more questions and Josh was always able to explain in terms that I understood and was quick to respond. The Mettle support staff would keep me posted every step of the way with emails and phone calls and provided me with assistance in returning documents or getting them to where they needed to be. When we need these services again we will definitely come back!"

Douglas Powell, M.D. and Stephanie Powell, Associate Professor, Dermatology, University of Utah

Thank you ever so much for the gift certificate to Log Haven. We will certainly enjoy it. However, I feel that we should be giving you guys a gift certificate. You all work so hard and helping us close our loan as scheduled. In fact, I would call you miracle workers.

A very special shout out to Jeana who went above and beyond to make everything happen. You got a rare gem there, don't let her get away. It has been our pleasure to have you guys on our team. Thank you ever so much again.

Annette and Van - Salt Lake City, Utah

"From my very first email/phone call to Drake, he was professional and courteous.  He understood and had compassion for the 'time crunch' we were under and seamlessly made our loan happen! He was always available by phone or email and we could not be happier with the service we received from him directly and all of his colleagues at his firm.  We will most definitely recommend Drake to others!"

Dr. Kristophe Karami, Neurosurgeon, Kaiser Permanente OR - Portland, Oregon

Donna McDaniel

Donna McDaniel Testimonial - Salt Lake City, UT

Camille was and has been "Perfect" as a Loan Officer and friend. She is so good we have used her in 7 refinances and original loans as well. I have and will refer others to her. Wisdom dictates giving her a raise or someone else may.

George Robison

Matt did such a great job!  He promptly answered all of my questions and guided me through the whole process. He was such a pleasure to work with!

Nikki Park - Gilbert, Arizona

Matt Smith and his team were complete professionals.  They maintained constant communication with us throughout the entire process.  When certain aspects of closing did not go as planned, Matt kept us apprised of the situation.  He was always available throughout the nerve-wracking ordeal of buying a new home in a new city.  I always had the impression he was on our side and he did everything in his power to ensure we were treated fairly when things occured outside of his or our control.  I would recommend Matt Smith to anyone and will likely utilize him and his services in the future.

Thank you for working with us.

Clay Elrod, MD, IR Physician, Kaiser Permamente - Portland, Oregon

We loved working with Drake.  He was very prompt answering all of our questions and walking us through the loan process.  I will definitely recommend him to others who are considering these loans.

James Jordan, MD, Neurohospitalist, Everett Clinic - Everett, Washington

My husband was a recent medical school graduate beginning a residency in a new city, and we were facing a pretty difficult situation.  We needed to find and move into a house before the lease was up on our apartment. It was a complicated loan process: to begin the application in one state and buy a home in a another, all before officially beginning the new job.  But start to finish, CHL really helped put a lot of my fears to rest.  There were dozens of calls, and endless snags and loopholes to navigate, but Evelyn worked tirelessly to figure it all out.  Any time I had a question or concern she happily addressed it.  By the end of the loan process, I felt she had really become an ally and advocate for us.  She doesn't just make you think she cares; you know she cares!  Thank you a thousand times over, Evelyn for getting us to our new home!

Kellie Redman and Dr. Joseph Redman, Resident Physician, Baylor College of Medicine - Houston, Texas

I have purchased multiple homes in the past and have not had a better experience from any prior mortgage company. Drake was responsive and personable throughout the whole process and was supported by a team that stepped in and knew what was going on anytime he was away.  I enthusiastically recommend Drake and his team for anyone looking for a home mortgage.

Dr. Jim Eaton, Radiologist, VA Hospital - Spokane, Washington

David is great, I really enjoy working with him. I send anybody I know to him. I trust that he will take care of everyone just as well as he did us.

Katie Gjennestad - Saratoga Springs, Utah

We had a good experience and enjoyed the timely manner in which our loan was processed.

Brian Adams - Ogden, Utah

Working with Christian was great! He honestly went above and beyond to help me close on my property.

There were other factors involved that continued to delay the process that were not in our control. Christian really stepped up to the plate and got these other parties to do their jobs, so that we could move forward. Usually people hit a roadblock and turn around to tell you,  "you have to wait until the other party solves their problem." I was really impressed and grateful that Christian was willing to essential take on other people’s responsibilities to get the job done. He was timely, tactful, and was quick to keep you informed.

David Hansen - Murray, Utah

I just wanted to thank you guys for putting this mortgage together on such a tight timeline. I know our 10 day absence put Michele in tight spot to get all of our documentation together, but she made it happen in the end. We are excited about our new home and appreciate you helping us close the sale.

Brendon MacKay - Salt Lake City, Utah

Testimonial for Drake Bloebaum, Senior Loan Officer

I'm not sure if I responded to say thank you, I've been busy out of town and starting up with school.  I really appreciated working with you and will definitely recommend you to friends that are looking for financing options on homes.

Dave Kelly - Salt Lake City, Utah

We really enjoyed working with Camille. We sold our home quickly, 6 days after it was listed, so needed our home loan for the purchase to be processed smoothly and efficiently. Camille understood my schedule as working physician and came in to meet with us for the first time on a Sunday. We were financed and ready to close in less than a month from the time we met her. She was patient and communicated all of our potential loan options clearly, which allowed us to consider them all and choose what worked best for our family. She was very responsive to all of our questions, and took a lot of the stress out of the process. I couldn’t have imagined a more pleasant experience.

Dr. Kencee Graves, Internal Medicine – Assistant Professor (Clinical), University of Utah School of Medicine - Salt Lake City, Utah

David Nelson was very helpful. He was friendly and great to work with. I would recommend him to anyone. He took the pain out of all the paperwork. Thanks, David.

Laurie Hardman - West Jordan, Utah

Working with Drake and his team was a great experience as we went through the process of financing our new home.  Drake and the entire team were very thorough and made sure we had all of our required documentation in order with plenty of time to spare before closing.  Throughout the process, the entire team was very prompt with communications and very responsive to answer any questions I had.  I would definitely work with Drake again and I will recommend him to friends and family looking to finance a home.

Aaron Hagge - Ogden, Utah

Hey Christian thanks for all your hardwork!

We are cleaning the carpets right now and we will be moving in sometime in a few days. I appreciate it a lot for getting us a good deal on the loan and a quick close.

Marc Sumampong - Salt Lake City, Utah

Working with Matt was fantastic! He was professional, and always responded to our many questions in a timely manner. I felt that we were in really good hands, and I had no issue whatsoever. We would absolutely recommend him in the future to anyone who asks.

Thanks again, we are so happy with our experience!

Samantha Stephenson - Saratoga Springs, Utah

I had a great experience! Sheila kept me in the loop with the whole process. No complaints at all. Thanks guys.

Tyler Anderson, Larson Financial Group,The Physicians Specialist ® - Omaha, Nebraska

Working with Josh, Matt and the Mettle Team has been an amazing experience. My family and I had almost given up on purchasing a home after 2 failed attempts due to us opening up a brand new practice the past 2 years. Not only did they make our new home purchase a reality, their service has been nothing but extraordinary. I would recommend them to any doctors, especially those who've recently opened a practice. They really do know their stuff when it comes to physicians and home loans.

Dr. Richard Leung, D.D.S., Temple Dental Trails - Temple, Texas

My experience with The Mettle Group was good. Josh was always very responsive, thorough, and available.  I don't have anything negative to say about him or his staff, or the schedule with which Josh and his team work within.  The communication was good but, however, (and I assume I was an unusual situation) it was also sporadic.  During my settlement process I had to work with four different reps, and that got a little confusing, but Josh, seemingly having some good instinct on the matter, stepped in a surprising number of times.

Chris Ure - Sandy, Utah

Testimonial for Brandon Hatfield, Loan Officer

Brandon was great to work with. He was very knowledgeable and he made things work out for us when others were unable to. I do not believe we would be in the home that we are currently in were it not for Brandon. I am a bit difficult to work with at times because I question everything but he was patient with me and always did his best to come up with thorough answers. He explained things well and made this experience good.

Alexander Jolley - Draper, Utah

Brandon and his team were more than helpful throughout the process.  Brandon promptly and adequately answered my questions (since some of the financial lingo can be a bit confusing.)  During the process, Brandon saw that interest rates had slightly dropped and suggested that we move quickly to ensure being able to lock our loan in at the lower rate.  He was very generous to note that change and make contact to get things moving in a direction that would benefit us, the clients.

My husband works out of state and is not readily available to sign documents.  Brandon and his team were more than accommodating to work around his schedule.  We have worked with Brandon through our original home loan and were more than happy to work with him again for the refinance.

Lisa Aiona - West Valley City, Utah

Matt, could not have been any better at his job unless he wants to make my payments for me. He is the best to work with.

Andrew Bates - West Valley City, Utah

I called Brandon Hatfield when another lender had denied our loan in underwriting because of my husband's dental school loans. Brandon not only secured our financing with no hidden fees and at a great interest rate, but he did it so quickly that we were still able to close on time! Brandon and his team's level of customer service far exceeded our expectations. Thank you, thank you, thank you!

Kristin and Brett Stallings, DDS, Muscogee (Creek) Nation - Bixby, Oklahoma

Camille did a fantastic job helping us get our home financed.  Our construction loan was not typical and we had gotten a lot of run around from other lenders.  They did not take into consideration what terms we wanted for our home loan and kept sending us options that were easiest for them to push through.  Camille was wonderful.  She found a loan product that fit our needs.  She was great at keeping in close contact with us and making sure we fully understood what stage our financing was in and what additional documentation we needed to provide to push things forward.

Camille was personable and easy to talk to.  She never pushed us to sign or do anything with which we were uncomfortable.  We will definitely go through her when we need our next property financed and will be sure to refer our friends and family to her as well.

Katie and Dr. Kent Hart, E.R. Physician, Emergency Physicians Integrated Care - Sandy, Utah

Drake and his team were wonderful to work with. Everything went very smoothly for us. I would definitely work with them again!

Kim Cannon and Dr. Daniel Cannon, ENT Physician, Mid-Columbia Medical Center - The Dalles, Oregon

From the very beginning, Evelyn and her team had a clear plan to get us into the house we wanted at the best rate possible.  She worked hard and helped us every step of the way to make sure our goals were realized.  Evelyn was incredibly responsive, efficient and competent throughout the entire process.  She made something difficult very easy to manage on our end.  And to top it all off, she was warm and professional.  We could not have gotten our dream house without her!  Evelyn and her team have my highest recommendation.

Peter Baxter, Sandy, Utah

Sheila and Heather and the rest of the team were awesome. They were always very friendly and positive. Although I never needed to use it Sheila offered her cell phone number to me several times so I call her anytime with any questions I had. This was by far the easiest mortgage lender we have worked with. It seems other lenders make you jump through so many hoops. I don't think our loan process could have gone smoother. We could not be happier in our new home. Thanks for all your hard work to make it possible Sheila!

Cody and Marci Thomas - Eagle Mountain, Utah

My experience with Drake and his team was very positive for the most part. Drake and Josh both return calls and emails promptly, and did a good job keeping me informed during the loan process. The only complaint I had was minor. The underwriting assistant wanted a ton of documents, and some explanation stuff from prior creditors. It became a little overwhelming, and when I was asked for the same thing multiple times I spoke up about it, and she finally handled those things herself. That's how I feel it should be, as I'm the customer, not the employee earning the paycheck from my loan fees. Overall I'm very pleased with the service from Drake and his team.

Jeremy Hansen - Ogden, Utah

Working with Evelyn was refreshing.  This was our first home purchase and at the beginning felt like we didn't know what we were doing.  Evelyn was incredibly patient in answering all our questions and educating us on everything we needed to know.  Overall we felt like she really had our best interests at heart.

Alex Jensen - Provo, Utah

Drake was efficient and very responsive at all times of the day.  He explained the process clearly and defined timelines and expectations patiently and effectively.  I dealt with Drake exclusively during the pre-approval process, and this went very smoothly.

Once it came to finishing the closing financing however, I did not experience the same level of service from other members of the team.  The "Loan Tracker" was a little hard to follow, because the progress went forward and then back once or twice, rather than just progressing forward. Michelle was easy to contact by phone, though, and this helped the process.

The biggest problem I had occurred at closing when I received the final closing costs from Drake and was told to be sure to have a specified amount available at closing.  I obtained a cashier's check for that amount, but then at closing, the evening before a holiday weekend, I was given a different amount, which was $189.01 more than the number I was given.  I ended up having to write a personal check for this amount and driving it over to the Title Agent's home that night.  This was frustrating.

I know I was a more complex case than many, and I appreciated working with Drake with his super-responsiveness.  I have already referred one potential loan seeker to him because I was happy with the end result, but the final stages of the process could definitely be improved.

Thanks for the opportunity to comment -

Dr. Dot Verbrugge, Medical Director, Intermountain Health Care - Salt Lake City, Utah

Josh and his team made buying our home much simpler.  We were pre-qualified quickly and then when we found a home to purchase, we closed 3 weeks to the day we made our offer!  He kept us informed every step of the way and always answered our questions quickly.  I would definitely refer people to Josh.  Everything went so smoothly, it was amazing.

Karen and Bradley Jensen - Springville, Utah

Our experience with The Physician Group was fantastic! We always received prompt responses to our questions and even though we had some difficulty with prompt submission of required documents and deadlines looming, Citiwide went out of their way to make sure we got everything worked out on time. We are enjoying our new home and will ever be grateful for the wonderful service we received from The Physician Group. Thank You!!

Dr. Kyle Adams, Resident Physician, Regional Health - Rapid City, South Dakota

Drake was fantastic, always responsive and creative with strategy.

Bruce MacWilliams, Ph.D. Associate Professor, University of Utah Orthopaedics - Salt Lake City, Utah

If anyone out there paid as much attention to a loan as Josh Mettle and his group, more people would be able to get the funding needed to close on a home. I appreciate the detail and time that was spent in getting us closed. Thank you so much.

Dr. Craig Taylor, DDS, and Allison Taylor - Henderson, Nevada

We had a great experience buying our home with David Nelson and team. Emails were answered promptly and everything went very smoothly. The final cost came in under the estimate as well, which was a nice surprise. I would recommend them to others.

Danielle and Dr. Mark Rowan, Pediatrician, Alpine Pediatrics - Pleasant Grove, Utah

Working with Drake on my home loan was a great experience.  He went out of his way to be available to me when I needed to ask questions, talk about options, etc. and he was always great about answering my many MANY questions patiently, even when it was a question I'd asked him already.  He provided insightful solutions and worked hard to make sure I was satisfied and my needs were met.  Buying a home is stressful in many ways.  Drake provided a low-stress, easy to understand and follow experience. I'm grateful I was referred to him for my mortgage, and will pay that forward by referring him to others who are in the market for a home loan.

Amy Wuthrich - Salt Lake City, Utah

Matt was outstanding to work with!  He was very prompt in responding to calls and emails.  He always followed through to make sure everything was done and kept us appraised of changes.  This was our first time buying a home and Matt made the process as easy to negotiate as possible.

Sarah and Dr. James McDonald, VA Medical Center, Sheridan, Wyoming - Sheridan, Wyoming

Was efficient and easy to work with.  Seemed to be organized in getting information needed.  Set things up and followed through.  Very positive.

Dr. Patrick Greis, Professor, Dept. of Orthopaedic Surgery, University of Utah Orthopaedic Center - Salt Lake City, Utah

My experience was great.  Everyone was very helpful.  I appreciated Evelyn coming to the closing and answering questions as we went along.  Thanks again!

Dr. Dan Thunell, DDS, Wasatch Periodontics - Holladay, Utah

The process of buying a home is arduous and exhausting. Matt Smith and his team were persistent and helpful.

Dr. Adam Bell, General Surgeon, Valley Medical Center - Lewiston, Idaho

Drake and his team did a great job of pulling all the pieces together for our loan.  We had quite a few bumps along the way and they were handled very professionally to make the experience low stress overall.  The team was very available both by either phone or email and response time was almost immediate, even for minor questions.  Would definitely use the Drake and the Mettle Group again in the future!

Dr. Lauren Wood, Medical Resident, Family Medicine, University of Utah Hospital - Salt Lake City, Utah

David was incredible to work with!  He kept us informed and in the loop at every step and made sure we knew about anything that came up and even more….how to fix it.  It was a rough road but David did his absolute best to make it much smoother than it could have been had we not been kept in constant contact.  He was available at practically ANY time, and often responded to our worried inquiries quickly and often times, not on the job.  He was AWESOME!  Thanks David!

Matt & Lena Goodrich - Salt Lake City, Utah

Testimonial for Evelyn Ellett, Loan Officer

We had a great experience!!!!

Thanks a million for all of your help!

We are still underwater with the move, but are loving the house.

Bless you and your staff!

Dr. Gladys Tse, OB/GYN Physician, USMD/MCNT - Ft.. Worth, Texas

Camille Olson and the Mettle Group team were fantastic to work with and made the home-loan process so much easier and straightforward than we thought it would be.  They are consummate professionals who do first-rate work and have first-rate interpersonal skills.  They explained complex concepts and requirements in ways that were easy for us to understand as first-time home buyers.  They moved our loan application along quickly, diligently, and conscientiously so that our closing was seamless.  And they keep us informed at every step of the way, always answering our questions promptly.  We can't recommend Camille and the Mettle Group more enthusiastically.

We're happy to recommend Camille to anyone who may be in need of her services.  She's great.

Austin Riter - Salt Lake City, Utah

Working with David and his team was honestly one of the nicest experience I've ever had. He always got back to me with my questions as fast as he could and made the whole experience a stress free process!

Cody Webb - Magna, Utah

Matt Smith and his team were great. They delivered like they promised and got the job done.

Joshua Slade and Dr. Chelsea Slade, McKay Dee Hospital - Ogden, Utah

Testimonial for Drake Bloebaum, Loan Officer

This is the second time we've worked with Drake and we couldn't be happier. Both instances we felt like he really went to work for us, thinking outside the box and coming up with creative financing solutions that best fit our needs. Drake is the best! I've already recommended him to a friend.

Krista Nitzel and Cory Nitzel, M.D., University of Utah, Clinical Instructor, Internal Medicine - Salt Lake City, Utah

Drake was great! Very helpful and easy to reach- he moved my application forward quickly and took appropriate interest in my family's situation. He and Ryan specifically were wonderful to work with. Thanks to all team members!

Dr. Lauren Prest, University of Utah - Salt Lake City, Utah

We had a great experience with Drake and his team.  We were completely new to the process and he made us feel comfortable from beginning to end.  Ryan Davis deserves recognition as well for keeping us informed, handling our unique situation, and providing great guidance.  We would definitely recommend you to anyone needing a Physician Home loan.

Dr. Jessica August, Resident Physician, and Dr. Anthony Saenz, Jr., Resident Physician, University of Arizona Medical Center - Tucson, Arizona

I first emailed Camille a month or two before moving here, to help me do some research on keeping my house in WA as a rental vs selling it, and how that would impact my ability to buy a house here in UT. She was very responsive and helpful, both on email and phone as appropriate. When there were questions she couldn't answer off hand, she did her research and got back to me promptly.

Then she didn't hear much from me for 3 months as my first sale fell through and the house lingered on the market for a couple months. Then one day, without much warning, she got a message from my realtor that I was under contract for a purchase here, and she jumped into action and the rest is history. My work with her and the Mettle Group was pretty smooth from there to the signing, where I finally met her in person!

Kara Karsten - Riverton, Utah

This is my first home buying experience so I don't have a lot to base upon- but I can't say enough good things about Drake.  I was referred to him by my brother in SLC (I live in East Idaho).  I started casually looking for houses several years ago and realized that if I saw something that was ideal- I needed to be ready to jump on it and make an offer.  I started working with Drake, and would contact him periodically over the next several years as to what the latest interest rates were, or how much my monthly payments would be if I bought a certain home.  He was always helpful and kind and got back to me immediately.

I finally pulled the trigger on a home last April.  After years of pestering Drake with questions, I was ready to move.  He walked me through every step of the way and was very patient and incredibly helpful.  The loan process was a bit tedious and at times frustrating- but Drake was always positive and great to work with... I would definitely use him again and recommend him to other potential buyers.

Beach Huntsman - Driggs, Idaho

My experience working with Josh and his team was a positive one.  They made it as easy and painless as possible.  Even when my refinance became more difficult then originally anticipated they handled it professionally and efficiently.  They are very organized and do a great job communicating during the entire process.  I would highly recommend them to anyone looking to refinance their mortgage.

Dr. James M. Dahle, MD, FACEP, Editor of The White Coat Investor - Sandy, Utah

We just wanted to send a note of THANKS for helping us prepare and secure our loan for our home.  Thank you for your professionalism and service.  Everything went well with closing.  Thank you for having everything in order.  We appreciate your efforts.

Sarah and Jeff Hirschi, M.D., Utah Emergency Physicians - Eden, Utah

I had a fantastic experience working with Drake.  He was incredibly prompt, attentive and thorough in answering my questions and providing great service.  I found it a smooth, easy process  with transparent communications.  I would highly recommend Drake and in fact, I did send him a referral that he is helping this week.

Trudy Oliver, Ph.D., Assistant Professor, Huntsman Cancer - Salt Lake City, Utah

I would be happy to refer Drake to other potential clients. My experience was very positive with him and his team. The quote provided was very competitive, every part of the process was timely and sharp and he and his team delivered on the promises. On top of that the customer service was very good.

Stefano Rampazzo - Seattle, Washington

I again have had an excellent experience working with Drake! He is wonderful, honest knowledgable and upfront about everything. He is very prompt at getting back to me with any questions I have had when he is unavailable. I would highly recommend him!

Any friends or family I have thinking of buying or refinancing I would definitely recommend Drake!

Mallory Hewitt - Murray, Utah

Testimonial for Matt Smith. Loan Officer

Matt and the team were great, they were very helpful, professional and addressed my concerns in a timely manner.
I was a special needs customer and they were more than happy to accommodate me.
I would be happy to refer Matt to anyone who needs a job well done.

Jesi Chapman - Eagle Mountain, Utah

I would like to give you an insight from our experience with Drake Bloebaum. From the beginning, Drake was very pleasant to work with. He returned calls and emails in a timely fashion. He was able to answer all our questions and if he wasn't sure he would find out and promptly relay it back to us. Drake was also kind and personable. I would recommend him to any of our friends or family. You have a great employee on your team.

P.S. Will you mention to Drake we love our new home.

Susan Pratts - Holladay, Utah

I am extremely grateful for Evelyn Ellett and the Mettle Group. Without her tireless number crunching it may not have been possible for me to get my home in my name. She looked at all of my options and made it happen. I had gone to someone else about a year before and they did not pursue things in all of the levels that she did and strictly told me no. Evelyn made it happen. Thanks to her, I am now a proud homeowner. I could not be more grateful. I will recommend her to others.

Judy Dixon - West Valley City, Utah

My wife and I are very pleased with the exceptional help and support that Drake and team had provided for us with this latest home purchase.  Drake helped in overcoming various home buying hurdles with the home purchase (a previous bank foreclosure) and our own lost based on major home remodeling and the collapse of the housing market in 2008.  Sonia and I never expected the huge amount of support and a quick turnaround loan approval.  For our family, it was an enduring six years of moving from three rentals and loss of federal tax credits.  I would highly recommend Drake to anyone who needs special one-on-one attention in seeking a home loan.

Please send me his business cards.

Steven and Sonia St. Laurent - Menifee, California

First, we would like to express our appreciation to Drake and the Mettle team on getting our loan secured. As first time home-builders, the anxious anticipation and expectations shared by others on the process is often understated. Drake went way beyond to earn our confidence and along the way his communication was top notch. I will also recognize the patience of the Mettle Group in the process due to the interminable delays that happened during this home-build. Being nimble enough to adjust was very much appreciated. We did not worry in the loan process.

Second, we have been and are willing to share Drake’s name and expertise to potential home buyers.

Scott Greer - Grantsville, Utah

Testimonial for Drake Bloebaum, Loan Officer

We had a great experience with Drake and his team. We were under some very tight time constraints, starting with getting pre-approved all the way through the closing date. Drake was very communicative and easy to reach. I felt like any time my husband and I had questions, he was quick to respond, very thorough and patient. There were a few bumps along the way, but I think these were due to Washington State loan requirements (vs. Utah).

We would definitely recommend Drake again in the future.

Denni & Eric Stobin - Seattle, Washington

Just wanted to let you know we closed on our refinance yesterday in what was one of the smoothest and most pleasant house experiences we have had. Josh was a rock star and we got it done just in time for the baby's arrival Monday.  Another awesome experience with you!  Thanks so so much! You are incredible at what you do and have helped us many times over.  Hope that someday we can return the favor.

Catherine Bramble and Scott Bramble, MD Utah Surgical Associates - Vineyard, Utah

Testimonial for David Nelson, Loan Officer and FICO Pro

David and his team were excellent!  They were professional, courteous and helpful.  The paperwork was done quickly and efficiently. We will definitely refer David to our family and friends.  We were very impressed with how smoothly everything went with our mortgage and closing.

Liz Tanner - Tooele, Utah

Testimonial for Drake Bloebaum, Loan Officer

I wouldn’t think of using anyone else but Drake for my Mortgage loan needs. He is extremely professional and his staff is very communicative throughout the entire process. The process was a breeze! I love the fact that everything was done online except the actual closing. I have done two loans with Drake in the past 24 months. I originally selected Drake from his ratings on Angie’s List which were spot on! I will get on Angie’s list and leave this feedback as well. I don’t have any referrals at this moment but his name is always on the tip of my tongue when it comes to Real Estate Financing.

Greg Gardner - Bountiful, Utah

Testimonial for David Nelson, Loan Officer and FICO Pro

Dave and his team were great.  They took the time to explain the process, kept me up to date with emails, and assisted us on purchasing our home.  Given all the moving parts, it was a smooth process.  I appreciate the work they did for us.

Jeff Oldroyd - Orem, Utah

I can't talk highly enough of Drake & his entire team. They made the process very easy to understand. They were patient with my many questions, and happy to help in any they could.

Zachary Hildebrand and Dr. Pamela Hildebrand, Wasatch Pediatrics - Salt Lake City, Utah

I just wanted to take a minute to thank you and Michelle and everyone who worked on our loan.  You guys rocked!  This was our 5th house and by far the most seamless process we have experienced.  From pre-qualification to close, the entire process was so easy and stress free, which when buying a house is nearly unheard of.  We appreciate your timely response to our questions and being updated on the progression of our loan.  Hats off to all of you.  You did a great job and I just wanted to make sure that you all know how appreciative we are.

Great job and thanks again for everything!

Tyann Whitworth - Yakima, Washington

Thank you so much for your help with the loan. You guys made it soo easy & always answered :) all of our questions. We are so excited to be homeownwers & it's thanks to you all!

Christie Brereton and Cameron Postelwait - Lehi, Utah

In the process of buying our home, I talked to at least 5 other loan specialists in addition to the Mettle Group to make sure I was getting the best deal. Some of those admitted after one phone call that they did not know how to process a loan for a physician who has not yet started residency. Of those that claimed to be able to help me, the Mettle Group was by far the most responsive and helpful and easily won our business both with their customer service and offering a better rate than the competitors.

We then found ourselves in a position where it was very important for us to get into our new home sooner than anticipated. The Mettle Group responded immediately to our situation and we were able to close a full 14 days ahead of our contract closing deadline and right on the day that Josh had predicted they would be able to get it done

Dr. Kendrick Johnson, D.O., Resident Physician, Phoenix Baptist Hospital - Peoria, Arizona

Thank you.  Will complete the wire tomorrow.  Your team has been absolutely fantastic!

Dr. Erik Pearson, Research Fellow - Salt Lake City, Utah

We lived clear across the United States from where we were building our home and the team made the entire thing hassle free doing everything via email.  This was our first home purchase and they were able to keep our minds at ease and answer all of our questions.

Jason Pursley Parker and Dr. Ryon Parker, Southern Nevada Internal Medicine - Henderson, NV

Josh I want to thank you and all of your Employees for all your help. It is hard to believe it is now over a year. I refer you to everyone. It was the best part of buying our home. So professional you are all awesome!

Thank You ALL

Gary and Bobbi Capps - Grantsville, Utah

Well, first off I have to say thank you, thank you, thank you!!  The Mettle group has done it again for me, which is meet and exceed every expectation of my loan process.  David Nelson was not only on point during every phase of this loan process, but actually went above and beyond by walking me through various aspects of the loan process including indicators which depict interest rates.  I actually called David around 7pm on a Friday thinking I could leave him a message, and in the process of leaving a message he called me back.  Wow I was shocked his enthusiasm and energy made this process effortless for me.  Thank you David, and thank you Mettle group for yet another great experience.  I will be referring all my business to this team with nothing but the utmost confidence.

Dan Hulverson - Sandy, Utah

Drake is amazing to work with.  He is professional, knowledgeable, and responsive.  I especially appreciate his proactive phone calls to review mortgage documents that are not easily understood by those of us who are not in the business.  He explains things in a way that make you feel comfortable with the entire mortgage process.  In addition, I love the fact that there is an underwriter on staff who reviews our financials in order to minimize any surprises.  Drake is the best in the business and I will never use anyone else.

I always refer Drake whenever someone asks about a good broker.  Unfortunately, I don’t have a referral today…but Drake will always get any referrals I have.

Lars and Katie Grisley - Salt Lake City, Utah

This was definitely a challenging home purchase.  This was our fourth and hopefully last home purchase.  This was the most difficult purchase of all but throughout the process Matt was very helpful and always available to get in touch with for questions.

There were a few miscommunications during the process but the delays worked out in our favor.  We will definitely recommend you to our friends.

Kenneth Reed - Eagle Mountain, Utah

For dealing with this 100% electronically, it was pretty much perfect and the title company and our agent agreed the communication was fantastic. I would have no issues using Drake and team on the next house.

Dr. Macey DelCambre. MD and Barry DelCambre Jr., Oregon Health and Science University - Portland, Oregon

I wanted to thank you and your team for all of your assistance and support in securing financing for our recent home purchase.  I especially appreciated your communication and thoughtfulness throughout the process.  Rest assured that I will be referring friends and colleagues your way in the year ahead.  Best wishes for a healthy and fruitful 2014!  I look forward to working with you again soon.

Dr. David Hans, CRC Health Group - Salt Lake City, Utah

Drake, Donna, Dawn and Jordan were easy to work work with. Especially Drake and Donna answered any email minutes after sending them during business hours and sometimes at 3am. No question was left unanswered and everyone worked seamlessly with my real estate agent. Any issues were quickly cleared up and everyone was knowledgeable. Buying a house is not easy but I think it was as painless as it gets. As a busy physician, I needed a team like that. I certainly will use them whenever I am buying a house and plan to recommend them to anyone I know looking to buy a home.

Dr. Ann Kellogg, Oregon Health & Science University - Bend, Oregon

My experience with Josh was verys simple.  Everything moved along as expected.  My loan was handled quickly, professionally, and I was kept informed at each step along the way.

Dr. C. Mark Alder, M.D., Radiologist, Ogden Clinic - Ogden, Utah

I wanted to send a personal thanks to you and your team for their tireless work on our home loan (actually home loans this last year). You made it as smooth as it could be and you are the ultimate professional! We know how much you gave  and we are forever grateful for our friendship with you! Thanks again and we love the gift certificate (another perk that you didn’t have to do)!

Randy Gates, CH2M HILL Constructors, Inc. - Salt Lake City, Utah

I would like to thank The Mettle Group team for helping me fund my dream of home ownership.  As this was my first time purchasing a home, I had quite a long road of learning and discovery ahead of me.  Overall, my goal was to proceed slowly and carefully as this was a big decision.  I wanted to work with professional, competent and most importantly, patient people in the real estate business.  I spoke to many lenders in the Salt Lake area in order to find the right people.  At the end of my search, the Mettle Group and specifically Drake Bloebaum were by far the best choice for me in securing a home loan.

From the beginning, Drake and his team laid out the loan process in understandable goals.  Drake and his team made availability to me and my questions very important.  One particular memorable moment was while comparing loan offers, Drake offered to sit down with me in his office and slowly go through the technical terms of a loan and how to make sense of the offers.  Every time I called with a concern, Drake was usually there to answer, and when he wasn't, quickly returned my call, always by the end of the day.  During my visits the Mettle Group office, everyone I encountered front to back was happy and willing to assist me.

As I look back at the whole home buying process, I can positively affirm that Drake Bloebaum and the Mettle Group were on my side.  I'm very pleased to have worked with Drake, and am completely satisfied with the experience.

Sebastien Welterlin - Salt Lake City, Utah

Testimonial for Drake Bloebaum, Loan Officer

Drake has helped us with our last two home purchases, and we have been very satisfied with his services. He did a great job of keeping us up to date as the process unfolded and quickly responded to our questions and request. List us as very satisfied!

Jim Carter - Holladay, Utah

I really like the service and support provided by Josh Mettle and his team. When I bought home and was looking for my preferred lenders list, i had only 3 choice. I contacted first lender and he turned me down. I contacted second lender and got Good Faith letter. My neighbor who also  bought home in same community, told me that i should contact Josh Mettle and I gave it a shot. I got very competitive quote from Josh. I decided to move with them. He is very easy to reach and explain all situation really well. One of the strong point was mortgage rate lock period. I got a lock for 57 days. Not many of the lenders are offering rate lock more than 45 days. He also extended for 3 more days for free.

So I would highly recommend Josh mettle and his team. I would like to personally thank Josh, Drake , Michelle, and Jordan for help in everything. I moved to my new home in timely manner.

Gaurav Patel - Sandy, Utah

Testimonial for David Nelson, Loan Officer and FICO Pro

We ran into quite a few issues over the time we were trying to get me this loan, in part because the seller had many ins and outs they needed covered. David and his team were there the whole way keeping in close contact and helping me understand what was going on the whole time.

I am now in the house and couldn't be happier. Thank you all very much for your effort and hard work.

Ian Dyksman - Midvale, Utah

Testimonial for Drake Bloebaum, Loan Officer

We completed our refinancing with the help of Drake Bloebaum ofThe Mettle Group. From the moment we contacted Drake, he and his team worked diligently to get our loan processed. He was responsive at every stage; my husband and I always felt that we had a true partner in Drake. I recommend him and his firm highly to any of your clients who are looking to refinance or initiate a home loan.

Liz Hecht - Park City, Utah

We're happily getting settled into our new home. I just wanted to take a minute and thank you for your help with our financing. You and your staff were extremely knowledgeable and helpful during the sometimes painful process of finding a home and securing financing. Thanks for your advice and expertise. Please forward our thanks on to your staff. I will recommend your office to anyone looking to finance a home purchase.

Ed and Lupita Shober - Sandy, Utah

We had such a great experience working with the Mettle group. They were able to walk us through all the complicated steps of our loan process to ensure a smooth close, and were happy to address any concerns we had along the way. We are thrilled with our new home, and will gladly refer our friends to your group. Thanks again!

Todd and Lisa McLauchlin - Draper, Utah

Our experience was absolutely wonderful! We couldn't have asked for a better outcome to our first home buying adventure. Josh and his entire team made everything so simple. And when the sellers of our home made closing difficult, josh was right there tying up loose ends ensuring we were ALL on top of things. Any questions or concerns were dealt with promptly which was SO appreciated. I'm sorry to say that right now, we don't know anyone who needs help buying or selling a home. But we will definitely be free advertising for the Mettle Group in the future.

Josh and Callie Tygard - Eagle Mountain, Utah

I would love to provide feedback about our experience.
First off I want to express how impressed we were with the customer service and communication provided by Josh and his team. We were never kept in the dark on any of the processes nor did we have to wait very long to receive answers and solutions to our questions. We felt like we were his number one priority and that we were his friend. Buying a house is a long and difficult process but Josh and his team made it as quick and painless as they possibly could. We will definitely refer our friends and family to Josh because we are confident they will receive the same quality care that we did.

Caleb and Kayla Frischknecht - Eagle Mountain, Utah

Josh Mettle and his team were a breath of freash air to work with when it came to buying my first home. From that first meeting with Josh to the time of closing, they made me feel like my needs were their top priority. I was very impressed with how easy and how quick the process went. They were always a step ahead of any financial deadline that was due prior to closing. They were exceptional to work with and I never once worried about anything on their end. I wouldn't even think twice when it comes to telling my friends and family to use Josh and his team for their mortgage needs!

Valarie Wells - Provo, Utah

Josh Mettle was referred to us by our realtor. She suggested him because her experience was that he could be trusted to make sure that every detail was addressed prior to closing. I was impressed with the follow through and meticulous investigation they his office did. He asked all the right questions. He initiated the calls and followed up. Sometimes it seemed like all the personal financial questions were over the top. Our financial situation is somewhat unusual because of our investment and employment history. However, when it came to closing day, everything was in order. I was glad that he made sure that each detail was addressed so that the lender was satisfied and the sale could go through.

Dr. Clark R. Bishop, Intermountain Health Care - Orem, Utah

Thanks Josh! We really appreciate all of your help and keeping on top of things for us. We have been extremely happy with our service so far! We are happy to recommend you to all of our physician friends looking to purchase!

Dr. Joshua Fuller and Michelle Fuller, Pediatric Care Inc. - South Jordan, Utah

Testimonial for Drake Bloebaum, Loan Officer

My wife and I had a GREAT experience with Drake and his team.  Drake is very professional and genuine; and did everything he could to help us get a mortgage when no one else would.  His team worked quickly and diligently, allowing us to close on our first home just 33 days after our offer was accepted.  Even our Real Estate agent mentioned that she will keep Drake in her contacts for future clients.  We would definitely work with Drake again in the future, and will not hesitate to recommend Drake and team to our friends!

Dr. Khoa Tran & Dr. Bailey Pope, Oregon Health and Science University - Portland, Oregon

I just wanted to say that working with the Mettle group was beyond my expectations of what a loan process should be like.  Everything from the moment I started to closing was flawless.  I have had the misfortune of financing through other groups, and the process as well as the lengthiness of the process made  me feel as if I never wanted to purchase again.  Josh and his team from start to finish met and exceeded everything I could have imagined.  I have now referred several friends to the Mettle Group and the overall response from everyone is exceptional.  I have never witnessed such an amazing team who truly care about not only the outcome, but making the process as desirable as possible.  This is what buying a home should be like for everyone.  The Mettle Group has a 5-STAR rating by me and everyone I have referred. Thank you for all your support and knowledge TEAM METTLE!!

Dan Hulverson - Sandy, Utah

Josh and his team were phenomenal.  They were quick to respond to all of my questions and promptly resolved any issues that arose.  From the first time we spoke, Josh expressed complete confidence that he could make homeownership a reality for my family, and he and his team delivered exactly what they promised.

Dr. Brian Elledge, Resident Physician, University of Nevada School of Medicine - Las Vegas, Nevada

They were great. Very responsive, efficient, and friendly.

Dr. Tyler Yeates, PC Anesthesiologist - Bountiful, Utah

I had a great experience with Josh. He was friendly, approachable and extremely helpful. I was especially impressed with how quickly he replied to my questions. I was buying a home in new construction and I had a lot of questions about the differences in loan specifics which he was quick to answer. I was working with him while I was in a different time zone on the east coast but he seemed to always be available at any time of the day. I appreciated that he was able to get me a specific loan for my situation which for me was a physician loan. My realtor was also very impressed with his work. I would recommend the Josh Mettle group for anyone.

Scott Parker, M.D., Resident Physician, University of Utah School of Medicine - North Salt Lake, Utah

I had a great experience with Josh and his team. He understood the unique situation I was facing as a new doctor with student loans and was able to put it all together for me and my family. He was clear about what he needed from me and what he could do... and he did exactly what he said he would. He got me a loan on time.

I will call him again in the future should I need a home loan.

Tyson Adams. D.O., Resident Physician, Mercy Medical Center Redding - Redding, California

Testimonial for Drake Bloebaum, Loan Officer

My experience with Drake and the team was excellent. They were all very quick to respond to my questions. Overall I would say the team's performance was outstanding, and I have no problem referring you guys to others. Thank you for everything.

Dr. Robert Gifford, DPM, Riverside Medical Clinic, Inc. - Riverside, California

We had a great experience with Josh and the team. As a resident, it can be hard to be available during normal business hours, but Josh and the team were very agreeable to early morning phone calls and evening emails. I was always pleased with their speedy replies to my questions. My husband and I are very happy with our new home and will definitely refer friends in a similar situations to your expertise.

Thanks again!

Dr.Shannon Curry, M.D., Resident Physician - Phoenix, Arizona

Testimonial for Drake Bloebaum, Loan Officer

Drake was fantastic. He was friendly and professional and always available.

Elizabeth Rogers - Salt Lake City, Utah

I am grateful for Josh Mettle and the entire staff from Kim and Matt and Michele and everyone else for getting the job done on a loan that was pretty intense to get done. The Mettle Group got the job done when I was told that it was not possible to use my VA Loan again. I was very impressed with the team work that was given to me by the Mettle group. I want to say thanks for everything that the Mettle team did for me when the appraisel came back under what the asking price of the home, they fixed the issue and were able to resolve it very quickly and got the job done to close on the house. Thanks to everyone involved.

Aaron Teeples - Tooele, Utah

Testimonial for David Nelson, FICO Pro and Loan Officer

We were extremely pleased with David's performance and have recommended him to several friends. We were referred to him by a friend who was very happy with him. He made himself available to answer questions any time, even during a weekend. His team kept us aware of the status of our loan as it went through underwriting. When a last minute change was considered, he said he could push it through in 36 hours and was able to meet the timeline. I have bought houses three times, and David was the first lender with whom I have been completely satisfied.

Dave Slack - Saratoga Springs, Utah

Josh Mettle and his group set the standard by which all business should be done. My needs were their first priority.  They demonstrated that multiple times as they went above and beyond the requirements of their job. The Mettle Group displayed 100 percent proficiency in every area of their industry.

They were meticulous while being efficient, thorough while getting things done quickly, and courteous while being clear and understandable. I was always fully informed of where I was in the transaction, largely due to their lead tracker updating system. The mortgage industry as a whole could definitely learn a lesson from the level of honesty, integrity, and efficiency that Josh and his team shows. Thank you Josh for the great work.

Trent Frazer - Bluffdale, Utah

My experience with Matt and The Mettle Group team was phenomenal! We have refinanced in the past – and it always seems to be a never ending parade of “I need this” and "I need that.”

Matt and his team gave us a list of documents needed right up front – we gathered them up – sent them in and we were done.

We were able to conduct business by e-mail, phone and text messages. Even the signing of certain documents was easily done by e-mail.

I truly appreciated Matt – he was professional, to the point and explained any question quickly and in detail.

I will recommend Matt and The Mettle Group to all my friends, co-workers and contacts.

Geri Walker - West Jordan, Utah

Testimonial for David Nelson, Loan Officer and FICO Expert

It was a pleasure working with David on our home loan.  He worked with me for months of planning and walked me through every step of the way to make sure we had everything exactly how we needed it.  The entire process with David was seamless and he made our lives much easier in the stressful time of buying a new house!  His fees were extremely low and fair! I would highly recommend him to any of my family and friends.  Thanks again for the great buying experience and we will use him again in the future.

Brad & Camille Johnson - Sandy, Utah

Josh and his team were easy to work with and were very responsive to our phone calls and emails as well as staying on top of things to get our closing done on time.  I was very impressed with their professionalism and dedication.  I would not hesitate to use Josh again or refer others to him.  Great job.

James Ballard. M.D., Physician, Intermountain Health Care - Draper, Utah

Working with Josh Mettle and his team was a good experience. Josh was always helpful and would alway return my calls or emails with a polite hello and goodbye. He seemed like he really wanted to help us get into our home, and I felt like he cared. It is very hard to make something like purchasing a home work unless the people you are working with are willing to communicate with you, and give you the attention you need when needed. We felt like Josh Mettle and his team did a great job and would be happy to recommend them to friends and family.

Ginger Plott - Eagle Mountain, Utah

 This was our first time buying a home and I couldn't be happier with the service I received from Matt Smith and The Mettle Group. They kept us up to date through the whole process and were great about explaining everything to us. They were accommodating to my husbands work schedule which was a huge help. I would definitely refer them to my friends and family.

Mike Nay - Grantsville, Utah

Testimonial for David Nelson, Loan Officer and FICO Expert

David and his team were excellent to work! Because of them we were able to get the home of our dreams! From the beginning of the process, he kept us updated. He knew all the questions to ask and prepare us for so that when the time came to decide on our home and make an offer, it went incredibly smooth. David and his team understand that buying a home is a major life event filled with nerves and excitement. They do everything they can to keep you informed through the process.

Mary Flores - Sandy, Utah

Drake and the whole Mettle team were timely, reliable, and replied quickly to all my inquiries. Even when plans didn't work out as anticipated, they diligently worked to close the deal. We couldn't have been happier with our partnership.

Michael Carrigan, M.D., Oregon Health and Science University - Portland, Oregon

I couldn't have been more pleased with Josh and his team.  They were an absolute pleasure to work with and were totally on the ball.  Josh was an optimistic yet realistic and up-front problem solver from the get go.  He turned a challenging situation into an incredibly smooth and relatively quick process.  I have nothing but praise and appreciation for Josh and his team.  I thank them for helping our dreams become a reality.

I have already starting referring Josh to friends and family who may be looking to purchase a home or refinance and will continue to do so.

Seth Mott - Salt Lake City, Utah

Josh Mettle’s team of professionals made our home financing experience far better than I could have expected. I work during the day and did not have to take time off traveling to an office and sign documents. The paperwork can be processed via internet if you have a home computer and printer. Just print the forms the Mettle team sends, sign, scan them back, it’s that convenient.

Six years ago 6.25% APR was the best we could get and that was with excellent credit. Josh knocked that down three points, what a deal. So get while the getting is good. I would highly recommend Josh Mettle to anyone that is thinking of financing or refinancing a home.

Clint Goodman - Roy, Utah

Testimonial for Drake Bloebaum, Loan Officer

Sarah and I were getting fed up with the run-around from other lenders. We wanted to buy a house after I graduated medical school, and we didn't think that getting a loan would be difficult since I would be making an income as a resident, then become a physician in three years. I had a residency contract stating how much I would earn, but that wasn't enough for the lenders we went to. We tried two conventional banks, and after spending several weeks frantically filling out paperwork and scanning hundreds of pages, we were rejected based on either my student loan debt or the fact I would not have a paycheck until July 14th. We wanted to move into our house before residency started! After our second loan application was turned down, I felt hopeless. I called another bank asking if someone specialized in physician loans, and the lady said she had done one in her ten years. We wanted a house to raise our family in and we had the finances for it, we were just being overlooked by underwriters who didn't consider my earning potential in the future.

After looking on White Coat Investor.com for advice on home loans, I saw that Dr. Dahle recommended City Wide, as he had several great experiences with them. I called Drake, where I told him I was a graduating medical student and how I could not get a loan. He told me, "Steven, you're in No-Man's-Land. You don't have a paycheck, so nobody wants to lend to you, and if you did find somebody who would, they look at your student loan debt and turn you away." Drake was able to explain how his company had underwriters who didn't see physicians as everyday people. His company specializes in physician loans, and his underwriters have completed hundreds of loans for doctors (not one, like the other bank). At first I was nervous that I had shown my cards, telling him that I went to two lenders and they both rejected me, and I was expecting an outrageous rate and costs on the loan, but I was completely wrong. He gave us a better rate than the other banks were offering, and the costs were comparable. We had to fill out paperwork again, but this time, we trusted that Drake and his associates were going to get the job done. If we had any questions, Drake was quick to personally answer the phone. When choosing a lender, I didn't understand how important availability would be, but when you have a burning question late at night and you have to work a 12 hour shift the next day, you don't want to put it on the back-burner. Drake and his staff have been terrific, and I highly recommend them to other physicians, especially graduating medical students, before they get the run-around with lenders.

Steven E. P, M.D., University of Washington Boise Internal Medicine - Boise, Idaho

Wanted to thank you again for all your help.  In a process that was mostly a headache, your end of things were not, and for that we are very grateful.

Dr. Robert Mendenhall, University of Nevada School of Medicine, Resident Physician - Henderson, Nevada

I am an incoming resident from the east coast and my financial situation only allowed about a week in Salt Lake City house-hunting to get everything accomplished. We had originally worked with another lender in the area and thought everything was settled. After a week of stressful house-hunting my fiancé and I were ready to make an offer on a house only to find out that there were problems with the lender being able to give me a loan without several months of income history from the hospital. Faced with the prospect of losing the house we found, getting a short-term lease, and having to move twice, I called Josh Mettle. With only one day notice, they were able to pre-approve us for our loan and we were able to go ahead and submit an offer on the house we found before returning home. Josh and his staff were responsive to my questions, easy to get in touch with, and kept me up-to-date of the process every step of the way. They were well-versed in the financial issues facing new residents, including student loan debt and unique loan options for new physicians. I could not be more happy or thankful that they helped us get into our new home. I would, without hesitation, recommend The Mettle Group to anyone in need of a home loan, especially to new resident physicians!

Dr. Christopher Williams, University of Utah School of Medicine, General Surgery Resident - Salt Lake City, Utah

Testimonial for Drake Bloebaum, Loan Officer

Working with Drake and his team was a great experience. They made a process designed to be complicated and intimidating, approachable. They are familiar with the intricacies of the home buying process that can be difficult for new physicians. Overall it was a very positive experience and I would have no reservations recommending their services to my friends and family.

Dr. Jared and Karissa Kam, Physician, Bingham Memorial Hospital - Blackfoot, Idaho

Testimonial for Drake Bloebaum, Loan Officer

My experience with Drake has been exceptional. He was responsive, informative, and always met his objectives. He was always willing to answer questions and when he delegated tasks to other members of his team, he always informed me. The Mettle team did an outstanding job for me. I was living in California and dealing with Drake as an out-of-state customer was easy and he was always very professional.

Dale Spartz - Salt Lake City, Utah

There are not enough nice words in the dictionary to describe Drake and his team. They were kind and patient but very efficient, organized and professional when requested the necessary information from us. They were fast and I was amazed at how quickly they processed our loan. Drake gave us excellent advice as far as when to lock our loan and we were able to get a great rate prior to the recent rise in rates. I would use Drake and his team again and will certainly refer him to anyone I know in need of his services.

Elisha Hornung - Salt Lake City, Utah

I had a great experience with Josh and the rest of the team. I appreciated the personal attention I was given, the quick replies to questions, and the friendly and professional attitudes of everyone I came into contact with. The last few days had some bumps, but I appreciated the speed and professionalism with which those were handled. Thank you to everyone for helping us get our new house!

Dr. Benjamin White, University of Utah School of Medicine, Resident Physician - Salt Lake City, Utah

My experience with Josh Mettle and his team was excellent.  Everyone is professional and  knowledgeable on their respective fields. The refinancing process of my home was easy due that I was kept informed of every step.

I will refer Josh to my friends and relatives.

Maria R. Morris - Antioch, California

Testimonial for Drake Bloebaum, Loan Officer

Our experience with Drake Bloebaum was excellent from begininng to the end. He was informative, friendly, knowledgable and competent. He made our refi experience effortless and painless. He walked us through each step and always keeping us in the loop. In the end he went over and beyond to make our refi happen.

Thanks so much to everyone for a great experience.

Garth Hare, Benchmark Modern - Salt Lake City, Utah

I am an extremely critical individual when it comes to customer service, and take my judgments in this area very seriously.  I am continuously evaluating various areas of service I receive including:  communication clarity, communication timeliness, level of respect for clients, degree of perceived effort put forth on behalf of the client, knowledge and ability in professional sphere, response to crisis or unexpected circumstances, organizational structure of team, delivering upon understood expectations, etc.

I would rate the Josh Mettle group and Josh in particular at near the highest possible level in all of these areas, and an example of the type of service I am looking for in all of my professional interactions.  I was extremely impressed with Josh's implementation of his obviously high-level personal talents.   He is bright, knowledgeable, agile, and appears sincerely interested in the best interests of his clients.

Even with their best efforts and intentions, I sincerely doubt there are many competitors who are even capable of matching Josh's performance in this profession.  His talents are formidable.  I fully expect that he will continue to be extremely successful in his business.  I look forward to offering referrals indefinitely.

Dr. Michael Warden, University of Utah School of Medicine, Resident Physician - Heber City, Utah

We have never been treated so well by a financial group. Josh was right on top of things from the start. He knew the information that was needed and we sent it on with no complications. Whenever a phone call was missed by us, they followed it up with an email. Once it hit Michele Dixon's desk, she was on top of everything from that point on. Everything was handled with professionalism and kindness and hospitality. When they said our loan would close on time, it did! I will refer anyone looking for a home to the Mettle Group and know they will be in good hands.

Charles Jones - South Weber, Utah

We were very pleased to work with Josh and his team throughout our loan process.  Josh clearly explained each step along the way and kept us informed regarding our progress.  I was especially impressed with how Josh and his team worked in a goal oriented manner and were able to meet deadlines on time.  I will highly recommend Josh in the future!

Thank you!

Mrs. Briana Dommer and Dr. Paul Dommer, DO - Highland, Utah

Once again we have enjoyed working with Josh and the team.  We are very grateful for their help, especially with our unique situation this time! They know what they are doing and do it well!

Also,  we always refer Josh to people we know,  we will continue to do so!

Dr. John Sorensen, MD and Mrs. Marilee Sorensen - Salt Lake City, Utah

Testimonial for Drake Bloebaum, Loan Officer

I just wanted to drop you a line and thank you for helping me with my home loan.  The whole process went surprisingly smoothly and I  was able to get a home loan at a great rate and we were able to meet our original closing date.  I will definitely be recommending you to fellow residents in the future!

I really appreciate it!

Heather Hoops Medical Student, M4 - Milwaukie, Oregon

Josh was great, Matt was great. I will definitely recommend you guys.

Dr. Justin Hohl, MD - Sandy, Utah

I had a great experience with Josh and the rest of the team. I appreciated the personal attention I was given, the quick replies to questions, and the friendly and professional attitudes of everyone I came into contact with. The last few days had some bumps, but I appreciated the speed and professionalism with which those were handled. Thank you to everyone fore helping us get out new house!

Dr. Ben White - Salt Lake City, Utah

Drake was great.

Justin Karnousky - San Marcos, California

We were provided excellent service with the Josh Mettle group and team. We were given top priority and time. Although the USDA loan process was complex and sometimes frustrating, and this was our first home loan, we were walked through every step of the process with care and concern. We appreciated Josh's willingness to provide one-on-one care and take the time to describe what steps were necessary and why. We never felt in the dark or lost while working with this group. We are now enjoying our brand new home and have smoothly transitioned into happy home owners. Our loan officer and other administrative workers were all very kind, helpful, and attentive. When we had a few troubles occur on our end, Josh was quick to make sure no roadblocks were coming from his end. It was evident that customer care and service are top priority and we appreciated that so much. We would definitely recommend this group to anyone seeking a home loan.

KayLee and Josh Dunn - Payson, Utah

The Josh Mettle Group has done everything and more, and the entire team is GREAT!!! I could not decide between 2 houses in 2 different locations and Josh and the team were very patient and willing to bend.

I had heard of Josh for the last 2 years and the reputation stands, Josh is a man of his word and when I buy my next home I will deal only with the Mettle Group.

Mike McDaniel - Farr West, Utah

I don’t mind sharing but would not like my full name used.

I would say that our experience with Josh was very positive.  We initially saw him over a year and a half ago I think.  We had emerged from financial difficulties and Josh directed us on how to repair our credit so that we might apply for a mortgage.  We followed his advice and the proof is in the pudding – we closed on and moved into our home in May of this year.  The staff in his office was supportive and helpful throughout our financing process.  I enjoyed working with Josh and everyone he has on his team.

We have told our friends and family about Josh’s services and will continue to talk about him behind his back :) to others as the opportunity arises, because he helped us achieve our goal of owning our own home again.

Thanks for everything.

S Smith - Murray, Utah

Testimonial for David Nelson, Loan Officer and FICO Expert

My experience with David and team in general was great.  I called David and he would answer his phone day or night.

Josh Nell - Tooele, Utah

It has been a pleasure working with you. I don't know if I have ever worked with someone who cares as much about there work and the people they are working for as you do.  Your company is very lucky to have someone like you representing them. Thank you for everything.

Chad McGee - Park City, Utah

I am an incoming resident from the east coast and my financial situation only allowed about a week in Salt Lake City house-hunting to get everything accomplished. We had originally worked with another lender in the area and thought everything was settled. After a week of stressful house-hunting my fiancé and I were ready to make an offer on a house only to find out that there were problems with the lender being able to give me a loan without several months of income history from the hospital. Faced with the prospect of losing the house we found, getting a short-term lease, and having to move twice, I called Josh Mettle. With only one day notice, they were able to pre-approve us for our loan and we were able to go ahead and submit an offer on the house we found before returning home. Josh and his staff were responsive to my questions, easy to get in touch with, and kept me up-to-date of the process every step of the way. They were well-versed in the financial issues facing new residents including student loan debt and unique loan options for new physicians. I could not be more happy or thankful that they helped us get into our new home. I would, without hesitation, recommend The Mettle Group to anyone in need of a home loan, especially to new resident physicians!

Dr. Chris Williams, General Surgery Resident, University Of Utah - Salt Lake City, Utah

Josh and his team were absolutely amazing and extremely efficient.  Our family needed to close on a home in a very short period of time because of the sellers moving schedule.  Josh had his team push their speeds to new heights in order to meet the quick deadline, not only did they meet this deadline, but they maintained a high level of professionalism and customer service when communicating with us.

Josh and his team are amazing at what they do and I give my sincere reference of their capabilities to anyone considering them.

Your team has done an amazing job on our loan.  We have been thoroughly impressed and pleased.  So impressed that I have shared your name with some family members who do real estate outside of Utah and they were curious if your group does any loans outside the Beehive State.

I also will keep you and your group in mind with my future business in real estate; if you're ok with that!

Jason Nau - West Valley City, Utah

Deciding to go with josh and his team was the best decision that my wife and I could have made. The person that was first working with us was not helpful and was dragging their feet.

Once I gave josh the go a head his team took control and made the whole process seem very easy and made it less stressful on us.

I would recommend josh and his team to anybody that I know that was in need of his help.

Ryan Pack - Cottonwood Heights, Utah

Testimonial for David Nelson, Loan Officer

We had a great experience with our refinance working with David and team.  Gathering the documentation needed to submit our application and process the loan was pretty much the only portion that required effort.  Other than that, the process was painless and everyone responded to questions that came up in a concise and timely manner.

Coordinating the appraisal and signing of the loan was also done in a timely manner.  We were particularly impressed with the person (Leslie) at the title company who conducted our signing.  She was very good with explaining the purpose of each document as we signed.

Leon Pettitt - Clinton, Utah

Testimonial for Drake Bloebaum, Loan Officer

As a first-time home buyer, I was particularly anxious about putting together a team that would consider my personal needs rather than just trying to get me to purchase a home as quickly as possible. Drake was referred to me by a close friend and I couldn't have been more pleased with the dedication and personal attention that I received. He took the time to explain the overall process in great detail and walked me through every fee on my mortgage agreement. When I received a homeowner's insurance quote, Drake told me that it was far too high for the home I was purchasing and connected me with another agency who charged me half of what I would have been paying. Drake made every effort to reach out and see if I ever had any questions or needed assistance. Even my own real estate agent, who came very highly recommended from numerous friends, commented about how efficient and effective Drake was in moving the mortgage process along. Through Drake's efforts, the home buying process was much more enjoyable and I can't thank him enough for his service.

Philip Sarnoff - Salt Lake City, Utah

I think the overall experience with Josh and his team was excellent.  They certainly had a system and everyone had a role and they seemed very organized in their process.  The rate we received was as good or better as any we could have gotten elsewhere.  Their speed and efficiency certainly helped get us into our new home very quickly.  Great experience.

Shane Hawkins, FFKR Architects - Draper, Utah

Testimonial for David Nelson, Loan Officer

I was very pleased with the way our refinacing went. I had contacted David back in 2010 to try and refinance then. We didn't have the best of credit and wasn't able to complete the refinacing process, but David helped us on how to get our credit score up. I appreciated the help and we were able to increase our score so we could refinace this year. David and his team were wonderful to work with. Michele was always willing to talk with me to help me understand the process. I will definitely refer David and his team. They made the process easy and painless. Thank you again for the help!

Trinidi Price - Clawson, Utah

Testimonial for David Nelson, Loan Officer

Our buying experience with David and his team was top-notch. Even though we had a few hang-ups during the closing of our first home the team went above and beyond and made me and my wife feel like we were their number one, and only client. They really made me comfortable and calmed any nerves I had during the process. Overall my buying experience was very enjoyable. The punctuality and professionalism was second to none. I really can't believe how personable and helpful everyone was. I can't even imagine what it would have been like to not have a team that was so on top of everything and willing to work long hours at our expense. Thank you so much for all of the hard work and dedication from taking our dream into a reality of purchasing our first home. I will recommend anyone and everyone to David and his team. I hope I can find individuals that can utilize his services so they can have an enjoyable experience like i had.

Brent Bird - Sandy, Utah

Testimonial for Drake Bloebaum, Loan Officer

The Mettle Team was great to work with.  Drake was fantastic. I really appreciated his persistence without coming off as pushy and just trying to get a sale.  He really took the time to explain my options and what each of them meant. He was patient and responsive to my needs of getting the mortgage done as quickly as possible. I would absoultely recommend Drake to anybody I come across who is looking for a mortgage.

Regina did a great job of making sure I knew what I needed to provide to her and answering the many questions I had regarding the money trail. I had little contact with Matt, but he seemed to be keeping abreast of what was going on.

I would absolutely use these guys again.

Andrew Castor - Salt Lake City, Utah

Testimonial for David Nelson, Loan Officer, FICO Pro

It was a rocky road at first trying to navigate how my commissions should be counted. David did an excellent job on keeping me aware of what was going on and it seemed he really cared about getting this through for me. I appreciate his dedication and hard work. He did what was best for me!!!

Justin Embry - Clearfield, Utah

Honestly, I couldn't say enough good things about Josh Mettle and his team. They're professionals, that just want to get people in homes as fast as they can. Josh is a very friendly guy, that really makes you feel like there are no stupid questions when it comes to financing. I have always appreciated how fast I have received a response to my questions, no matter how I send them (email, late night voicemail, etc). Josh has now helped me with two separate home purchases, and if there ever is a third, he'll be the first person I call.

Bryson Breivik - Eagle Mountain, Utah

I was very pleased with everyone here, Josh was extremely friendly, seemed to be very intelligent, and always either answered my calls or called right back.  Matt was very communicative, helpful, and friendly.  I mainly interacted with either Josh or Matt and was very happy with both of them, they were clear in what they needed from me, and how I should proceed.  Theron was the only other person I interacted with and he was helpful, but my experience with him was fairly limited.  Additionally, I am very happy with my loan, and I would recommend Josh and his team to anyone I know that is looking to buy a home.

Jeff Dent - Sandy, Utah

Josh knows that we appreciate him getting us this loan.

We started this process quite awhile ago. There were many difficulties with our HOA on issues with the complex.  Josh continued to follow up with them to start our loan process as soon as all of the issues were resolved.

After that it was the usual professional assistance we have come to realize is his way.

He, and his entire team kept in contact with us to keep the loan process progressing toward the final solution.

Through many time consuming processes, they always kept us informed of the status, and any documentation now required by the underwriters.  Josh and his team went above and beyond to get our loan closed.

We would recommend Josh and his team to anyone.

Rion Locke and Richard Miller - Sandy, Utah

I would love to help out the Mettle group as lord knows they have all helped me greatly!  To be honest the Mettle group from start to finish was a great experience.  As I know the loan process has tightened up greatly over the past couple of years, the Mettle groups expertise and professionalism has made this experience nothing less than exceptional.  I know the process behind the scenes was probably hectic and very labor intensive, but I felt none of the pressures and felt extremely confident in the Mettle group throughout the process.  Josh and his group set the bar for a high standard, and delivered nothing less.  The communication from one team member to the next was spot on.

I have sent Josh various referrals over the years, and will continue to do so moving forward.  I want to thank the entire team for all the assistance, as I consider the Mettle Group a grade “A” partner.  I am moving forward with more investment properties, and wouldn’t consider another lender.  Tell Josh his math needs a little work as his forecast of interest and payments was off by .0000001 percent, benefiting me.  This was true on not just one loan but three loans, border line genius.  Maybe don’t tell him that as I don’t want him to become too confident! J  Thank you and your team for a great experience.

Dan Hulverson - Sandy, Utah

I have nothing praise for Drake and his team.  Actually this refinance was painless in comparison to what I was expecting.  Kristen, Matt and others on Drake's team were constantly in touch, keeping me apprised of every step.  And above all, Drake has always been more than honest with me.  This is the second personal transaction that he has handled for me.   I would be hard pressed to take my business  else where.  I have and will continue to recommend Drake whenever I have the opportunity.

Thank you to everyone who contributed to a successful refinance for me!

Trudy Evans - Salt Lake City, Utah

I did want to send something to express our thanks to all that we worked with at the josh mettle group! You all made it a very pleasant experience and comforting to know you had us taken care of! My brother and brother in law Jeff Heap and Mike Gable also our real estate agents told us we had to go with the Josh Mettle group cause they are the best! And I would say the same and would proudly refer any one we could. Thank you again the mettle group is the Best!

Troy Heap - Eagle Mountain, Utah

I would LOVE to tell you how great our experience was working with the Josh Mettle Group!

We have always used Josh and his team for our home purchases and refinancing.  They make things so easy and less stressful. When we have wanted to make changes in our loans or buy a new property there has never been a question of who we would call.

I often hear stories from other people about all the headaches and hoops they have to jump through to get a loan and I always think "We never had to do that" or "We never felt like that."  Even now in a time when loans are harder to get and the requirements are tougher I still felt confident in Josh and his team and I know we are in the right place and working with the right people.

Everyone says that they have a "good loan guy" but we truly have the BEST loan team and I will tell anyone who asks (or even if they don't ask) how much we like/love and appreciate all that Josh and his team do for us!

Colby and Zoe Dyksman - Sandy, Utah

My family and I moved to Utah about 3 years ago from Virginia.  We knew we would have to replace certain contacts and professionals in our lives, namely doctors, dentists, bankers, etc.  What we didn't consider was a lender we could trust who had our best interest as a priority.  Back in Virginia we had always used a friend of the family who we had known for years.  Here in Utah we were faced with filtering through all the potential companies to find someone we felt comfortable with.  Luckily, our real estate agent gave us a recommendation and after a brief conversation I knew we had found someone here in Utah we could trust.  We have used Josh and his team twice now (original loan on our home and a re-finance) and both experiences were great.  I could use a bunch of adjectives to describe what they are like, but the most important thing to me was the responsiveness when we have questions, problems, or need answers on something.  Everything I've ever asked for has been done.  If I ever call or send an email, I get a response immediately.  These are the things I appreciate most about Josh and his team.

My personal experience on getting a loan is a lot like raising kids.  As soon as you say you are involved, everyone has advice for you on what to do.  I must have had 25-30 friends and colleagues tell me where to go to get the best rate.  Normally I'm the type of person to shop around for a good deal.  Not in this case though - Josh is our lender and will continue to be as long as we are in Utah.

Dr. John Yates - Riverton, Utah

We found Arizona Physician Home Loans online and I called them up to ask them if it would be a problem because of my high debt to income ratio and they said, "No problem. We deal with this all the time." And I was shocked at how easy the experience was. With Arizona Physician Home Loans it was simple. I sent it once and it was done and they told us when we were closing and took care of everything. It was really pretty easy. I would go to them again. In fact in the next five years we'll probably upgrade to a different house and they're the first company I'll call. You really should go through Arizona Physician Home Loans. It was a painless process. You owe it to yourself to at least give them a call.

Dr. Jay and Jennifer Larson - Mesa, Arizona

David Nelson at Fairway Mortgage was amazing! He helped us through some very stressful times and was always available to answer any questions that we had. My wife and I were very impressed and if we ever need any future mortgages David will be the first person we contact and the first person we would recommend. We are very happy with our results!

Michael Tillman, CRNA, Tulsa, Oklahoma

Tucker CRNA testimonialAs first time home buyers, we were a little worried we would be overwhelmed with the process of finding a home. Scott Breen and Fairway made the loan process simple and seamless. We love our new home and would recommend Fairway to anyone looking for a place to call home!

Elizabeth M. Tucker, CRNA and William S. Tucker, North Fulton Anesthesia Associates, Atlanta, Georgia

We were referred to Fairway by our financial adviser. Working with Josh Mettle made the mortgage process feel easier for us since this was our first home. He was in constant communication with us and answered all of our rookie questions clearly and with respect. Our process went smoothly. We appreciated the informational videos and with each step in the mortgage process, we were advised on how far we had to go and what to expect next. Deciding on what house to buy was far more difficult than the process of buying it. Thank you Josh!

Dr. Brett Martindale and Britney Martindale, Ogden Clinic, Ogden, Utah

Spivak, #1 physician home loans, doctor mortgageJosh Mettle and his team helped us achieve what we though we couldn't!
An amazing team with an incredible solution for physician home loans. Responsible, knowledgeable and trustworthy!
My family and I are homeowners thanks to Josh and the Fairway team!
Thanks guys!

Dr. Roman Spivak, Pulmonary Specialties, Fairfield, Connecticut

Dendinger familyWe couldn't be happier with our experience with Fairway. Ross Zimmerman was great to work with and kept us informed during every step of the process. Our realtor and title company even commented on how smoothly the loan process went. Thanks again, we love our new home.

Dr. Jacob Dendinger, Madison, Wisconsin

We were very impressed with Fairway Independent mortgage. Buying first home can be stressful, but Josh and his team have been very helpful to get the loan processing done without any delay. He was very fast to respond and answer all my questions. I want to thank Josh and his team once again.

Dr. Gopi, Salt Lake City, Utah

Monell familyDrake was wonderful to work with! He answered all our questions and sent along advice and helpful knowledge as we were working through the home loan process. We would absolutely work with him again! We have told our friends and family that they should go straight to Fairway and ask for Drake to help them with their home loans.

Justin Monell, Physician Assistant, Sandy, Utah

physician mortgage, doctor mortgageJosh Mettle and the team at Fairway were excellent! Very quick to respond and worked hard to make sure it was a success!

Dr. Brad Sanville, UC Davis Medical Center, Dr. Lucy Shi, UC Davis Medical Center, Sacramento, California

doctor loan, physician mortgageI had an excellent experience with Fairway Independent Mortgage Corporation! My agent, Mr. Scott Breen, was incredibly polite and professional. He was able to process my application in a single month! I am incredibly thankful to Mr. Breen, and everyone at Fairway Independent Mortgage Corporation, for helping me to finally own a home of my own, a dream I have had since I was 13 years of age.

Dr. Neal Verma, Resident Physician, Middleburg, Florida

#1 physician home loans, #1 doctor mortgagesWendy and I bought our first home using Josh and Fairway Mortgage. Early in our home search, we didn’t know if we would qualify for the physician loan. We reached out to several lenders, but it was Josh that took the time to walk us through all of our options and prepare us for homeownership. We were very impressed by the organization and depth of information prepared for us via excel documents and online videos/documents. Our home buying process was smooth and any last minute issues were addressed promptly and professionally by Josh and his team. We are happy we chose Fairway to help us and thrilled to be in our new home!

Dr. Bill S., Surgeon, Scottsdale, Arizona


Thank you for helping us purchase our very first home! We didn't know what to expect and thought it would be so much harder. You made it simple and we didn't have to worry about a thing. We felt complete trust in your hands. Thank you!

Dr. David C, St. Louis, Missouri

Williams Arkansas physician home loan, doctor mortgageDrake, Jon and the whole crew at Fairway Independent Mortgage were incredible throughout the entire mortgage process. They bent over backwards to make this loan work for me and I'm very appreciative of all their efforts! I've never dealt with a more caring and dedicated group of folks while going through a home purchase and they will be my first call with future purchases!

Dr. Chris Williams, DDS, Cherokee Village, Arkansas

What a pleasure! The loan process is generally the least fun aspect of the home buying process and Fairway made it easy! We were able to apply, buy, and close all from the comfort of our sofa! Thank you Fairway for tailoring every aspect of this process to our needs!

Alexandra M. Varias, CRNA, Clearwater, Florida

Mike Jones at Fairway Mortgage was exceptional!! The process was extremely easy and we closed our VA refinance within a couple of weeks. Mike Jones was very knowledgeable about our VA loan and answered any questions we had right away. We are so happy with our process and if we ever refinance in the future, Mike Jones at Fairway Mortgage will be the first person we call! Thank you to all of the team at Fairway for making our life so much easier in this process!!

Kristin and Michael Tillman, CRNA, Navarre, Florida

Hymel review, CRNA mortgage, CRNA home loanI highly recommend Fairway! They were quick to answer any questions and really made the process painless. Thank you!

Catherine Hymel, CRNA, Springfield, Illinois

Snodgress Physician Home Loan, Doctor MortgageRyan Davis and Fairway Mortgage were amazing!! They got us pre-approved very quickly and we were able to make an offer on our house the day we saw it. Ryan worked very hard to get our mortgage through on time and even had to go out of his way to make sure we were treated correctly by the sellers. He made a messy sale go so smoothly. We even got stuck in a hotel for a night because of the seller and he helped us get that money back! Fairway is a great company and Ryan is a great mortgage broker! Thank you so much!!

Dr. Alex Snodgress, Resident Physician, Merit Health Wesley, Hattiesburg, Mississippi

Fantastic process! I was hesitant to buy a home because I've heard the horror stories of the lending process, but Ryan and his team made the whole process effortless! I would highly recommend them for anyone looking to purchase a home!

Dr. Siddharth Pandya, Resident Physician, Dignity Health, Mesa, Arizona

We had an amazing experience working with you guys when getting our first home. We appreciate your hard work and enthusiasm in everything you did with us during the process. Thanks again.

Dr. Armando Lemus-Hernandez, Hospitalist, Loma Linda, California


I worked with Josh Mettle at Fairway and was very pleased with the entire mortgage process. I have many experiences with mortgage applications, but I found myself in the unique position of moving across the country and in need of someone who could offer home financing in my new location of Alaska. Josh and his team were professional and thorough from the start. Most importantly to me, they were very straightforward and there were no surprises. They worked closely with my realtor to assure both sides of the transaction that we were well positioned for an on-time closing.The entire process was seamless and took less time than any mortgage application I had previously experienced. I would not hesitate to recommend Josh and his team and to work with them again. Thanks for helping us with our new home. The view across Cook Inlet to Mt. Redoubt is amazing!

Dr. Darren Mullins, Central Peninsula Hospital, Soldotna, Alaska

We needed a unique type of loan due to having loans from medical school. Fairway was able to accommodate us and give us a comparable loan. They were always available to answer our questions and even came to our home to sign to final papers.

Dr. Laura Giove, McKay Dee Hospital, Bountiful, Utah


If there was an easy button for obtaining a mortgage this would be it! Matt Smith and his team at Fairway were very friendly and easy to work with. As first time home buyers they were always willing and ready to answer any questions and really helped walk us through the process. If it hadn't been for Fairway and their willingness to work with us we probably wouldn't have been able to buy a home for several years. We will definitely be referring colleagues and family members!

Clairissa and Dr. Jared Rasmussen, North Cascade Eye Physicians, Mount Vernon, Washington

The Fairway mortgage process was great. Drake Bloebaum was our guy from start to finish. He was there for us whenever we needed, including on the weekend. Fairway was a blessing for us because we were in a very particular scenario that excluded us from getting the mortgage we wanted from nearly every single lender we contacted (of which I personally called over 20 lenders contacted directly over phone). I'm considered self employed with a 1099 and had my job for only 6 month when I applied. I couldn't find a lender willing to give me the well known "Doctor's loan" (jumbo loans with 5% down and no PMI). All other lenders wanted 2 years work experience with 2 years tax returns. Fairway was the only lender comfortable with my specific scenario and worked with us from start to finish without hesitation. We got approved, house shopped, and closed in a smooth process that I would definitely do again if given the option. I recommend Fairway to anyone who is a 1099 physician in need of a mortgage.

Heather Keehn and Dr. Brian Keehn, Radiologist, Phoenix, Arizona

As first time home buyers we were nervous about the whole process, especially because of a bad experience in the past that led us to rent instead of buy. My husband was a few months away from graduating from Medical school and we had a small baby but knew we didn't want to rent anymore when we moved for his residency. We decided to buy, even though we already had a lot of stress. We shopped around for a company that would work for our needs and give us a better experience. This is when we came upon Fairway Mortgage company. After reading their reviews and speaking to Mike Jones, we felt comfortable going with them and we have no regrets! We struggled to find a house in a competitive market and when we found one we loved, Mike called the listing agent on the house we liked to recommend us as buyers. After getting an accepted offer, the entire process went incredibly smooth and quick because of Mike's diligence ahead of time. We closed on our house in less then 3 weeks! He kept us updated every step of the way and made sure we knew what to expect. He was so helpful and great with responding to any email or question we had. We highly recommend him and Fairway and will definitely be using them in the future! They actually made buying a house a fun experience!

Dr. Zachary Loy, Psychiatry Resident, Pine Rest Christian Mental Health Services and Kelsie Loy, Sparta, Michigan

Kilgore Testimonial
All of the staff at Fairway Independent Mortgage Corporation, in particular Drake Bloebaum, were extremely helpful in the home-buying process. I was a recent college graduate and this was my first property purchase. Drake and his team were very quick and efficient in answering any and all questions I had in regards to the timeline and process of purchasing the home. I am very confident I made the right decision in choosing Fairway Independent. I will be referring future colleagues who move this direction to this company.

Dr. Klinton Kilgore, Medical Resident, Spokane, Washington


Smooth process for my first mortgage! Couldn’t be more thankful for David Nelson’s quick response time to my millions of emails and his help throughout the process.

Dr. Hannah Wolsiefer-Leak, Resident, University of New Mexico, Albuquerque, New Mexico

Yin doctor mortgage
Thank you David Nelson for making the difficult process of purchasing a first home from a different state an enjoyable process. David has definitely gone above and beyond in relieving the stress and fear of applying for a mortgage for the first time. He is very thorough, patient, and experienced. Our questions were usually answered within a matter of minutes via email or text. It only took us 3 weeks from closing on our home to the loan being approved. I highly recommend his service and the service of the Mettle group to anyone thinking of purchasing a home in Utah or the surrounding areas!

Michael Yin. M.D., University of Utah, Division of Cardiovascular Medicine


Applying for my loan through Fairway couldn't have gone any more smoothly. After my initial call with Drake, he was quickly able to confirm that they could meet the mortgage terms I needed. Providing the documentation they required was painless using their secure web site. Drake and his team guided me through the loan application process with regular updates and communication. I wouldn't hesitate to recommend Fairway to anyone in need of a mortgage.

Kirk Marshall, Cedar City, Utah

Copeland family happy homeownersMy husband and I recently bought a home and had the pleasure of working with Drake Bloebaum and his staff. Drake was wonderfully knowledgeable about physician home loans and educated us throughout the process to ensure we understood the variety of options and received the best financing available. In a competitive housing market, he quickly provided the documentation we needed to place timely offers. We ultimately bought a home that is just right for us and are thankful that the mortgage process was one of the easiest steps in our home buying experience. I would highly recommend Drake to any physician considering a home loan.

Dr. Caley and Bob Copeland, Physician, Mercy Regional

Thank you for all your help! We trusted Fairway to be the experts in our home buying process and they came through! Everything went smoothly and the purchase was a success, despite plenty of room for error as we are moving across the country. We also appreciated the recommendations they had for a great realtor.

Dr. Suzanne Kissel, Urologic Resident, University of Utah School of Medicine

Burton physician familyOur experience was great, mostly because of two people: our loan officer and our paperwork expert. This was our second time buying a house, and I have never seen a smoother process. I initially reached out to this group because my husband and I were looking for a physician loan, which not many people seem to thoroughly understand. Many places have strict requirements for mortgage loans, especially when there is excessive debt involved. It had been thoroughly frustrating trying to find a place that understood our situation: we had a high debt-to-income ratio, but our income would be going up within two months of moving. I interviewed three or four places, and easily settled on using the Physician Group. They were always quick to respond to emails and always updated us when there were changes. When there were a few weeks while we were waiting for paperwork to go through, they always kept us aware of everything and always reminded us what paperwork was missing or needed updates. Like I said earlier, this was by far the easiest large purchase we've ever made.

The Burton family - Dr. Michael Burton and Tandi Burton, Wee Care Pediatrics

Root happy clientsAs both my wife and I were graduating from medical school and wishing to purchase a home, our options were limited when it came to home loans. Josh and his team were very patient in explaining our options and the home buying process. He always returned our calls and answered our questions in an extremely timely manner. I highly recommend Josh for those looking for a new home.

Dr. Shane Root and Dr. Melissa Balbuena-Root, M.D., Resident, Physicians, St. Joseph’s Hospital

Dr. Cordner testimonialWe had such a wonderful experience with The Physician Group. We were not sure if we would qualify and we were overwhelmed with all that we needed to do to buy a house. You guys took all the stress from off our shoulders and took care of everything so quickly. We could not be more happy with our new home and we owe it to you guys for making it happen! We have already referred some friends and will continue to do so! Thanks!

Dr. Kyle Cordner D.D.S. and Natalee Cordner, Dentist, Shalimar Family Dentistry

Dr. Tyler TestimonialMike Jones with The Physician Group was a fantastic loan officer. He understood our debt to income ratio we already had coming out of Residency and more than helped us stay within our goals of the type of home loan we could handle. He made buying our first home a great experience even with a few hiccups we experienced on the way. We trusted him implicitly and really feel like he is a man of integrity- which is a value money can't buy.

Lyndon Tyler, M.D. and Melissa Tyler, Ophthalmologist

PetersonI worked on my mortgage loan with Dan Hulverson using the doctor loan program. Dan was incredible to work with. He guided me step by step from the beginning of the loan until the end. Anytime I needed something or had a question, he either took my call or if he was busy he called me right back. I felt like he was family. I could tell he cared about me and my family and wanted what was best for us, not just what was best for him. We hit a snag in the middle of the process and Dan did everything possible including putting me in touch with financial advisers specifically for my situation as a new medical professional. We were able to work through the snag and from there everything moved smoothly. I'd strongly recommend Dan Hulverson and The Physician Group to any medical professionals looking for a home loan. Thanks again for everything!

Michael Peterson, M.D., Radiologist, Utah Radiology Associates

BuffAs soon as we received our residency assignment for Tucson, Arizona, we began our search for a house. We were familiar with physician loans from the White Coat Investor and had seen Josh Mettle recommended on that site. After researching a few other physician loan programs, we quickly settled on working with Josh due to his responsiveness and personal touch. Given the short turnaround, working with someone as responsive as Josh was critical. The other loan programs we contacted took several days to even respond to our initial inquiry, whereas Josh had already put together a personalized presentation for us and walked us through all of the great options available to us. It made it a no-brainer to move forward with Josh, as we had complete confidence in him to take care of us throughout the process.Once we found the home of our dreams, Josh began working with our realtor immediately to iron out all the details. Our realtor commented several times on how prompt and responsive Josh was, as he’s been in the business for decades and rarely worked with a company as professional and timely as this. From start to finish, we had complete confidence that everything would be handled promptly and professionally and never had any concerns about our loan being processed and approved on time. Our total closing costs also came in well below the initial projection, which was a great surprise during our completely painless closing process. If we move at the end of residency, we will absolutely be using Josh for our next home loan, as our experience with him was flawless from start to finish.

David & Dr. Michelle Buff, Resident Physician, University of Arizona

Greenfield 1Our experience with the Physician Group was great! They made it easy to go through the stressful experience of buying a house. We spent nearly a year looking for the right home. They were helpful and patient throughout the entire process. The agents were always kind and helpful and always got back to us quickly. We would definitely use them again for future home purchases.

Dr. Ben Greenfield, Pediatric Physician, Intermountain Healthcare Central Orem Clinic

Jensons happy clientsYou were perfect for us! We started off with a different lender, got thrown around, had no questions answered and even lost money for no reason. We decided to change lenders and found Mike. He was great from day one. He helped us find the best program available for us, always made it feel like we were the top priority through the whole process and answered every single question we had quick!

Jenson family, West Jordan, Utah

BurrellDrake and his team helped us purchase a home on the Oregon Coast. The home buying process can be complicated and nerve wracking. Having a trusted team of true professionals on your side is essential. Every step of the way Drake's team kept in contact and responded to our questions and concerns promptly and thoroughly. As this is the second home they've has helped us buy we have the utmost confidence in them to get the job done right! We have found a company we can count on for all of our future real estate business.

The Burrells

We'd happily recommend this teamWhen we decided it was time to buy our own home, we began by meeting with Mike Jones to learn about our financing options. He was very helpful and very professional, and patient with our many questions. While we looked for the perfect house, Mike joined the team here. This move opened up several additional mortgage options, which ended up working out beautifully when we found the house we wanted. Mike worked quickly to help us put together an offer, and kept things moving forward as we navigated the process of counteroffers, appraisals, and underwriting. Thanks to the thorough bookkeeping of Heather Taylor (a Personal Mortgage Coordinator), we had all our documents in place and had no surprises or delays at closing. We don't expect to buy another home for many years, but we'd happily recommend Mike and his team to any prospective home buyer who hopes to have an experience that exceeds their expectations.

Tom and Wendy Stroman

Williams happy homeownerMy experience with this team was nothing but amazing! I was referred through a friend who had recently used your company. They gave me the phone number of Jon Cronk. When I contacted Jon he got things started right away with the pre-approval process. Through the whole process Jon kept the ball rolling and kept us informed the whole time with the status of our loan! There was of course the rest of the amazing team that made sure our home buying process was as smooth as possible! It was because of their hardworking team that we were able to close early on our house! I would recommend this team to anyone! We loved our home buying experience and we love our home!

Jordan and Stephanie Williams, West Jordan, Utah

Happy satisfied clients - BurtonI was just starting to look at houses when my brother Myan Brother suggested I talk to Mike Jones to get pre-approved and what I needed to do to get the financing part of things squared away. Mike was awesome to work with. He responded very quickly to emails, texts, and phone calls. He was always on top of things and great at clarifying terms I didn't understand. When I finally found my house I put an offer in around 830PM. Mike worked with my brother to get the proper paperwork in that night and we had an acceptance the next morning. The rest of the process took a month or so for everything to get finalized and ready to close. Cathy Richardson took over for processing and make sure everything was good for the underwriters. She was very patient and very quick to respond or let me know if underwriting needed more documentation. Finally we were able to close and help me into my first home. It was a great ride and one that I learned so much from. I want to thank Mike and the team for their help. They are a very hard working crew!

Tremaine Burton, Midvale, Utah

Henderson family happy veterinarian homeownersWe are so grateful you helped us make our home owning dreams a reality! My husband is a newly graduated veterinarian and I am an occupational therapist. We were fed up and frustrated after many months trying to work with other companies to find out we could not be approved due to a limited employment record and high student student loan debt. However, your team understood our situation and was willing to work with us even though our situation didn’t fit the norms. We were ecstatic when we closed on our house, never thinking this day would actually come! We still get little butterflies as we pull into our new home at the end of the day and can’t wait for the future memories to come in what will be our family home thanks to you!

Rebecca and Ross Henderson, BVM&S, MRCVS, Veterinarian, Fox Hollow Animal Hospital

Olson happy homeownersThank you so much for helping us refinance our home. The entire process was fast, hassle free, and the best part... you lowered our payment by over $700 per month!!! Simply amazing! I will recommend you to our family, friends, coworkers, and anyone else who mentions needing a loan!

Micah and Joanna Olson

New homeowners Dumas My husband and I cannot express enough how well we were taken care of by Drake, Jon and everyone else behind the scenes with our home mortgage. We worked with Jon very closely throughout the whole process and were very happy with him. The process of getting pre-approved was so easy and low stress. Jon answered all of our questions quickly and explained every step in great detail. We loved that we were able to submit and sign all of the forms online or via email. Once we were pre-approved and had found a home to buy, we were even more impressed. We would get emails daily on the status of our loan and were told what we needed to do to help things along or things we had missed. We have bought a house prior to this home and were so happy with how well things went and how low stress the entire process was. As we got to closing, we were ready to close about a week before our official closing date, which was so great. One thing that really stood out to us was at closing; Jon was able to get our loan zeroed out, so that we would not need to pay any additional costs at closing. I know it was a small gesture for them, but it spoke volumes with us. We really do not have enough good things to say about Drake at City Wide. Thank you to everyone involved in getting us into a beautiful home!

Erica Dumas

Happy new homeowners Thanks for all your help! We appreciate your hard work in making this loan go through.

Danny & Hannah Choi

satisfied physician loan clientOur lending process with Josh Mettle was fantastic. I was a seamless process. He and his associates were available and easy to reach if we had any questions. Josh talked with us for quite a while; going over what options were available to us for a first time mortgage, and what options would best fit our financial status now and in the future. His rates were the best we could find. Josh was highly recommended to us by the Utah Medical Association for his first-hand experience in working with physicians and understanding their financial needs and assets, as well as the projected income changes for new physicians. We couldn't be happier with the outcome of our experience. After years of moving across the country for schooling and training, we are happy to finally "put some roots down". My family loves our new house and neighborhood, and I love the fact that I feel like I received the best deal and rates available for my mortgage.

The Wood Family, Dr. Geoffrey Wood, MD

KingWorking with Scott Breen and his team has been an absolute pleasure! From day one Scott addressed my needs and made the process of prequalifying a breeze! Working with his team made it a pleasure to buy house and I'm so grateful that they were able to make my dream come true! The house I purchased in Georgia is absolutely amazing and I'm so grateful that they made it possible! If you are in the market for a home, I highly recommend Scott and his team! Thank you Scott, Heather and to everyone that made it possible!

Rich King, Tempest Freerunning Co-Founder & Hollywood Stuntman

Physician mortgage Our experience was not entirely seamless in getting into our house. There were a few bumps along the way but when you're moving across two states, finishing residency and studying for national board certification I guess that's to be expected. Despite the minor setbacks though we were able to close on our perfect house on our specific closing date. The staff was helpful and got the job done when things needed to happen.

Jarin Leavitt, M.D., Tanner Clinic, Layton UT

Happy first time home buyer Drake Bloebaum and CHL were very pleasant to work with! The process was quite simple; from the online application, to pre-qualification, everything was a snap! The closing process was a breeze and Drake answered every one of my annoying questions through my first time home buying experience! Who knew things could be this easy? I will refer anyone I can, I know mortgage/loan companies are a very competitive industry!

Christopher Cook, Syracuse, UT

We will definitely keep Josh in mind when we find others who could use his services.

Matt Ence, Santa Clara , UT

Resident physician home loans After 8 years of renting, we were thrilled to finally be buying a home. We weren't sure how this would work with our medical school loan debt but Utah Physician Home Loans made it happen. It was so nice to be able to buy our home prior to moving and starting residency. We are so grateful to be in our own place. We are loving it! Thank you so much for your help along the way. Garrett and staff were always so prompt to get back to us and made the process as speedy and painless as possible. Thank you so much!

Tiffany Neilsen and Jason Neilsen, M.D., Utah Valley regional Medical Center

Parikh4I had a very positive experience with Mettle group and Josh Mettle. The entire process of buying the house and getting loans approval went smoothly and in a timely manner, especially with the time constraints that we had. Thanks to Josh. He always responded to our emails and phone calls right away. I highly recommend Josh Mettle and Mettle group for physician's loan.

Dhrupad Joshi, M.D., Neurology Resident, Harbor-UCLA Medical Center and Aditi Parikh, M.D., Resident Physician, University of CA, Riverside

JSC1Our experience with Mettle Group Mortgage was nothing short of amazing. As first time home buyers we were completely new to the process. Anticipating stress and difficulties while buying in a very competitive market, we were thrilled with how streamline the whole experience was. Comparing stories with friends going through the same thing only reaffirmed our decision to go with Matt and his team. They were on top of everything, efficient and concise, and still incredibly personable. We are more than thrilled with our home and the experience we had in purchasing it. We would recommend Matt to absolutely anyone.

Josh Christiansen, M.D. and Sydney Christiansen... and Fizgig and Calvin, Virginia Mason Medical Center, Seattle, WA

kuchinWe loved working with The Mettle Group when purchasing our first home this June. Since it was our first home, we had no idea what we were doing or where to even start. Garrett patiently listened to and addressed every concern we had and made sure we understood EXACTLY what was happening. When we put in an offer for our home, it was the first house we put an offer in for and, as luck would have it, there were multiple offers already on the house. Due to our strong preapproval, however, the sellers picked us to buy their home. We can't say how much we appreciate this team and were we to buy again, we wouldn't choose to finance with anyone else; they made it as easy and as enjoyable as buying a house can be--and tried to alleviate as much stress as possible. From finding our house to moving in, we were in in about a month, and that's pretty impressive.

Christopher Kuchin

TeamesI thought Joel was great. He helped answer all of my many questions and constructed a great loan. there were many many times I didn't think we were going to be able to close. There were plenty of rocky points along the way but at the end of the day, we got our home!

Richard Teames, M.D., Anethesdiologist, Sharidon Healthcare of North Texas

We worked with Drake for the third time when we recently purchased what we hope will be our forever home. We also worked with Drake when we bought our last home, which was our first, and again when we refinanced. Drake is always great to work with. He works very hard for his clients, always going above and beyond. We had a demanding timeline trying to close right before Christmas, and Drake did everything in his power to make sure we closed on time. You will not be disappointed. We recommend him to all of our friends who are purchasing homes.

Brittany Mallin and Michael Mallin, M.D., Emergency Physician, University of Utah

PetersenWe have used Drake before and will continue to go through him on all our mortgage needs.

Mark and Jodi Petersen

SkowAs far as our experience, it comes down to one word, outstanding! This was the purchase of our first home and Christian walked us through the process from beginning to end. He was readily available by email and phone and was quick to answer any questions we had. He made what seemed to be a nerve-racking and stressful process, a simple and painless one which was far more than we could have expected. We are truly grateful.

Glenn Skow MD, MPH, Chief of Staff, Medical Director, Emergency Department, Fayette County Hospital

Matt - We can't thank you enough for helping us get in our new home. The floors are finally done; it took longer than expected. We wouldn't have closed until the end of August if we would have waited. It is amazing to be in our home. You and your team did the best work. We would recommend you in an instant to anyone who needs a mortgage in this market. We are so grateful. Thanks again, we will contact you again in the future if we have any mortgage needs.

Sara Reagan

I would be happy to give you my feed back. Every step of the process was smooth. Drake is wonderful and knowledgeable. His team was very responsive to my questions and the time frame was very fast. I expected everything to be harder than it was. I was very pleasantly surprised. Thank you, and keep up the great work!

Stacy Holdaway

"I would like to highly recommend Drake Bloebaum and his team at the Mettle Group for home mortgages or refinancing your home. Drake and his group are very professional with a personal touch. The home loan process can be a highly charged emotional process and the Mettle Group managed to perform flawlessly in preparing the supporting documents and paying attention to minor details."

David & Teresa Snyder

C and T Peterson 2My husband and I purchased our first house recently using the mettle group/city wide home loans and had a fantastic experience. Everyone we spoke with was helpful and understanding from our realtor to our underwriter to our closer. Most people would say it's a pretty stressful experience but they made it simple and easy to understand and had our best interest at heart. They took the time to make sure we knew what we were looking at and made sure we were getting the best deal. I personally loved the fact that I never had to struggle to reach someone. When I needed help they immediately were there to help and answer any concerns. We would definitely recommend them to anyone looking to buy a house.

We have also already recommended drake to numerous family and friends who are considering buying a home. And will continue to recommend him. He truly helped relieve stress especially since I was pregnant while buying the house.

Colton and Tiffany Petersen

Evelyn, Jeanna, TonyI just wanted to thank all of you for your efforts in getting me and my family in our new home. It was not an easy process but you answered our many, many emails asking questions and wanting updates in a very timely manner. We are very happy not to be homeless (staying with relatives and in hotels) anymore. Thank You! All of you did a great job!

Joseph Bardin

I have referred Josh to a few friends already!!

My experience with Josh and his team was excellent.  Josh returned my initial phone call within an hour.  He took my information during our first conversation and immediately started to set up the refinance.  He emailed me back the next day with the first proposal.  I visited the office with some paper work and he explained everything that was going to happen in detail.  I'm not the best at mortgages and financial details, and he was very patient!!   After that his team worked with me to finish the deal.  I had to send in some other explanations of some of my history, and they sent me templates to fill out, which was very helpful.  The Title Company they set me up with was very efficient.

Josh and his team were amazing, and I will recommend them to anyone looking to refinance!

Nancy Thorne - Salt Lake City, Utah

He gave us the best rate and our closing costs were comparable to the major banks out there. So you know, he was excellent, his rate was amazing and he's just been a great person to work with. I have no complaints. We wish that we had gone with Drake sooner. We just had a really good experience with him and his team.

Dr. Steven and Sarah P., University of Washington Boise Internal Medicine – Boise, Idaho

Our experience with Josh Mettle group was second to none! Everything was handled in a very professional manner.  Everyone that I worked with was super fast and efficient. I was always informed on the status of what was going on with the loan. I would and DO refer everyone I can to the Josh Mettle group. Gary and Bobbi Capps thanks all of you for making our new HOME a reality.

Gary and Bobbi Capps - Tooele, Utah

I have closed three of my own loans using Evelyn Ellett and each time I am reminded of why she is the best. Her experience and attention to detail make each transaction as simple as possible. She is is always available and answers all emails, texts, or phone calls quickly. I practice real estate as a hobby and close a couple transactions per year. When the loans on these transactions are closed by other loan officers they are never as smooth and simple as compared to those with Evelyn. I will continue to use her service personally and recommend her to any clients I represent in the future.

Jay and Anna McMillan, Draper, UT

I have been through a number of mortgages and refinancings over the years and I have to say this was by far the easiest most pleasant one I have ever experienced. Drake and the team kept me fully informed every step of the way, explained things in terms I could understand and were also very understanding when I had a "little melt down" on my end. The staff was very pleasant and professional in all dealings.  In fact they were able to close my loan even sooner than we had anticipated. Overall I am very appreciative of the treatment I received from Drake and the Mettle Group and I will recommend them any chance I get.

I thank you again for the amazing service and treatment I received from Drake and the Mettle Group.

Scott Christensen - Magna, Utah

Overall it was a fantastic experience.  We hadn't purchased a home is a very long time and obviously there are some new rules that make it a little tougher to get through the process.  Josh's team (primarily Kristen and Josh) walked us through each and every step, making sure we understood what was needed and how it would be processed.  The process, although lengthy and a bit complicated, was much more successful with such an ideal team.  I loved that we focused on potential issues and worked through each one individually, so it seemed more manageable and not so overwhelming.  Also, it was absolutely terrific that Josh and Kristen were available via phone or email, when there was a status update or issue.  Communication is key and I don't think I've ever worked with a team with such fantastic communication skills.

We appreciate everything they did to make our closing a success and although we do not have any referrals at the moment, there is no doubt that we will be referring family/friends in the future.

Emily Mack - Sandy, Utah

I am responding to your request for feedback concerning my recent property purchase that was handled through Drake Bloebaum.  I chose Drake because of positive referrals by friends who have refinanced their existing loans or made new purchases.

Drake was exceptional in his handling of my recent mortgage procurement.  My requested loan was not straightforward and required a great deal of understanding, expertise, and persistence.  He was able to answer every question that I had, reducing my stress and increasing my buying confidence.  Drake will be the first call I make for my future property purchases and I will ecstatically refer my friends and family to him.

Pete Kuennemann - Salt Lake City, Utah

I was very pleased with Matt Smith. He sent out weekly reports and also answered all questions during the process. He was very personable and stayed on top of the process.

I was also pleased with the entire group. I know we had some rough patches but that was due to complexity of the loan situation. I was pleased to get everything resolved all at once and I was impressed on how it all came together with the team pulling it off in a timely manner.

Thank you for your time and effort, it was much appreciated. I will of course recommend you to anyone I know wanting to refinance.

Ryan Walker - West Jordan, Utah

I want to thank you and your team personally for all your help in my home loan process.  Josh, Theron, and yourself have all been extremely professional and timely in all your business dealings.  I will highly recommend you and your team to anybody I come across looking to purchase a home in the future!  Me and my 3 girls are more than thrilled to get into our new beautiful home and start making memories:)

Brian Hall - Draper, Utah

My feedback is that Josh and his team did a great job. The information was spelled out in easy terms and questions and problems were easily taken care of. All team members were friendly and I enjoyed working with them all. The initial loan application on line worked very well.  I was impressed and regards to a referral I would be glad to do that. I have all the information on my computer and if I hear of someone thinking of a house loan I shall send them your way.

Thanks

Happy Customer

Tim Branigan - Salt Lake City, Utah

After spending a long 5 months or so trying to refinance our home with bank of America we were denied. I was referred to Drake who was very friendly and attentive during our first conversation.

He was very informative, diligent and efficient. Within only 2 1/2 weeks of our first conversation we were closing on our loan! I would highly recommend him and already have to a few friends! Working with him was such a pleasure!

Mallory Hewitt - Taylorsville, Utah

This is not the first time that we have had the opportunity to have Josh and his team help us with different transactions, and on all of the occasions we have dealt with them we have had an excellent experience. We have been very impressed with the professionalism as well as the personalized attention given to us. Whenever we had a question or concern it was quickly addressed and resolved  by either Josh or a member of his team.

We feel we can have absolute trust that they will have our best interest in mind, and will make every effort to help us have a positive experience. We are exceedingly pleased with the experiences we've had and look forward to future business transactions with the Mettle Group.

Gaston Lazarte - Salem, Utah

I enoyed working with Drake and team. The thing that stands out the most in my mind is Drake's patience and availability to ensure I had the best product for my needs and a full understanding of how it worked. Much appreciated.

I have spread Drakes name to a couple of friends but have yet to run across anyone looking.  I most definitely will keep your group in mind if I find anyone in the search. Thanks again.

Bret Watson - Riverton, Utah

Every encounter we have had with Drake has been good. He is always courteous and helpful. My brother Michael and his wife used Drake to finance their relocation to Salt Lake this year and they were equally pleased. Had they asked our advice we would have recommended Drake but they found him by coincidence and had the same great service. My daughter from San Diego, has received advice from Drake, on my referral, and is very happy with his wisdom and suggestions for financing the possible purchase of a home here.

In short, Drake is an excellent and diligent finance officer who is very knowledgeable about this market and loan requirements. I have recommended him to others in the past and will, without any reservation, in the future. If you need any verification of his skills in the future please have your customers contact me.

Peter Beck - Salt Lake City, Utah

Given the opportunity, I'd work with Josh as often as possible. His responsiveness, accuracy, and turn around time can't be beat by anybody. You can tell that Josh and his team have been in the mortgage business a long time, and know the ins and outs to make things happen quickly. I've already referred two people to him, one of which is my Realtor who told me just the other day that he's switching to the Josh Mettle Lending Team as his preferred lender, all after one transaction with them. I'm recommending the team to everyone I know.

Skylar Wilson - South Jordan, Utah

I'm happy to answer anything regarding Drake. Our experience with him was top notch! We are so impressed at the level of professionalism and comfort in our re-fi with him. Drake is excellent at explaining the process as you go, and we always knew where we stood during the course of our re-fi. It was so nice not to have any surprises. And for once, we really felt we understood the breakdown of what was happening. From day one we felt honesty, comfort and loyalty from Drake. This process, which can be a headache, was actually fun! We couldn't be more pleased. We look forward to working with Drake in the future, and have already recommended him to several friends and co-workers who would benefit from his services.

Thank you so much for your business, we are so pleased.

Mike Torretta - Salt Lake City, Utah

Regarding David Nelson, Loan Officer, The Mettle Group

The team did a fantastic job for us.  We were well informed during the process every step of the way and greatly appreciate all of the hard work that was put into our loan.  Of course we will recommend the team to others who are wanting to refinance their loan.

Tammy and Jan Carranza - Salt Lake City, Utah

This is my second opportunity to work with Josh Mettle and his team. My first experience was so great that when I received a flyer from a different mortgage broker I immediately contacted Josh to see if he could give me the same offer. I could not be more pleased with the terms of my loan, the speed and ease of the process and the wonderful service provided by the whole team. The thing I value most about Josh and his team is the high level of integrity. I know that I can trust them with my mortgage loan and in today’s world that says a lot.

I do not have any referrals at this time but I always send people his way when I hear of anyone.

Julie Martinez RN, BSN - Salt Lake City, Utah

I can honestly not say enough good things about Josh and his team. They are an amazing group of human beings who live up to the very high standards that they set for themselves. There are a lot of companies who spout the 'do what you say, say what you do' slogan. There are not many that deliver. Being honest, Josh and his team went over and above any expectations that I could have had. They answered all my questions, explained every step of the paper work, returned calls and e-mails prompty even on weekend or after hours which impressed and surprized me more than I could have anticipated.

Every member of the team displayed outstanding customer service, kindness, and professionalism. Every member of the team legitimately cared about my family and the success of our home loan process. The inter-team communication was evident as everyone that I worked with was absolutely aware of what my situation was and where I was in the process. I have already recomended Josh to several friends and would not hesiate to do so again.

Ryan Murray - Tooele, Utah

Josh was fantastic to work with! His knowledge, skills, and quality customer service helped us to lock in on an unbelievable interest rate. We really appreciated how quickly he responded to our calls and emails. Of course we would recommend the Mettle Group to all of our friends, co-workers, and family and would use Josh again for any future real estate transactions.

Thank you Josh for being so helpful during our rough new construction project!

Caroline Targos - Midway, Utah

Just wanted to thank you and your excellent team for the arranging and assisting us with our refinancing needs and successful closing.  We would like to wish you and your family Happy, Healthy and Prosperous New Year!

Alla Zinger - Cotonwood Heights, Utah

My experience with Josh and his team was better than expected. It was by far the best finance process that I have encountered. The turnaround time was great. The team was very professional and knowledgeable. The most impressive part of this process was the fact that we were able to open and close this entire process from the comfort of home/work.   I will surely spread his contact information for referrals. Thanks for a great experience.

 

Tineka Hardwrick Director of HR, Ogden Clinic - Hooper, Utah

Drake was great! As first time buyers, we had a ton of questions and Drake was able to answer them all. He did a good job of explaining the process, helping us understand the fees / total costs and 'dumbing-down' the information so that we could understand what was going on. We feel lucky that we had Drake on our team as we went through this exciting and stressful process. We would definitely recommend Drake to any of our friends.

Jarrett Capstick - Cottonwood Heights, Utah

I had a great experience with the Josh Mettle team!  My loan was small and I knew that it wouldn’t give you guys a very good profit.  Honestly, I was worried that because of this my experience wouldn’t be that great with whomever we went with. I couldn’t have been more wrong.  I got an amazing interest rate and amazing service.  I can’t imagine going with anyone else the next time that we buy.  I won’t hesitate to refer anyone that is even thinking of buying.

Ashley Rojas - Sandy, Utah

Josh and his team were fantastic and over-communicated throughout the process. I have already recommended 2 friends to him.

Bryan Armstrong - Herriman, Utah

I’m so happy that everything ran so smooth.  I often felt like I was missing something, but you guys had taken care of everything for us.  I don’t feel like I had to bother you too much with questions because it was all laid out in the beginning and you notified us of the only documents we had to sign (which I loved not having to fill it all out).  We received updates on our file throughout, which was much appreciated.  When the first option we wanted fell through, David gave us another route to help our situation.  The lower monthly payments will definitely help out.  Thanks to your entire team for getting us the best rate available and for keeping us informed.  Thanks for the reference Kim, love ya!

I don’t have any referrals as of yet, but I would be more than happy to provide your information if/when I do.  We’ve told others about our interest rate so I’m sure it will only be a matter of time.  We were completely satisfied in working with you and will send others your way.

Jamie and Norm Johns - West Jordan, Utah

My experience with Drake Bloebaum and the Mettle Group team was efficient, courteous, and very productive. I don't know how it could've gone any smoother. I have no reservations about referring anyone to you folks  for refinance.  Keep up the good work.

Spencer and Emily Mortenssen - Sandy, Utah

Here is a summary of my experience with Josh and team:

Josh and his team were very responsive.  I was amazed at how quickly and efficiently they moved our loan through the process. The provided ongoing status updates. I never had to guess where we were in the process because of the timely updates. From start to finish, we closed within our timeline without a single glitch. Thanks to Josh, Matt and Theron for a great experience. I will definitely recommend them!

James Huntington - Riverton, Utah

Drake Bloebaum was a pleasure to work with.  He was very timely with any communications and quick to answer questions.  His team was equally as helpful.  All the information was disclosed and explained in a manner that we could understand.  I would definitely recommend Drake and his team to others looking for loan assistance.

Jeff Lachowski - Salt Lake City, Utah

Josh and his team were great throughout this entire process. We were pre-approved for our loan very quickly! (We had also applied for a mortgage loan through Mountain America Credit Union. Did not hear from them until Josh and his team had approved us, and we had received an accepted offer on this house)

We also found out that this house we purchased had popcorn ceilings; about $5,000 worth of asbestos abatement had to be completed for my family to be OK with purchasing this house. We did not have $5,000 to spend on such abatement. Josh saw a way to make this happen and he handled it. We couldn't of gotten this house without his hard work! It was a very special case and I can truly say that NO OTHER COMPANY COULD OF MADE THIS HAPPEN. Great job team.

I've also dropped your name as well as Josh Mettle's name to multiple individuals. We will probably never buy another house again, but if we do, or if we hear of family and friends in the market we stand by this team, Gold Beacon Real Estate and Founders Title. Once again.. The ONLY WAY WE GOT INTO THIS HOUSE.

Thanks again for all of the hard work!

Matt Haynes - Cottonwood Heights, Utah

And by the way, we love sending people your way!!  We speak highly of you and our friends who end up working with you, always speak highly of you as well.  We appreciate your efforts to always do the best… so really, thank you!!  :)  You always make this process a whole lot easier and it is nice to have someone to trust!

Andrea Minnis, President, The Master's Touch Construction, Inc. - Murray, Utah

I am greatly satisfied with Drake Bloeboam and the Mettle Group team. This was the first time that I had ever bought a home and they made the entire process very efficient and manageable, even with my work schedule. They kept me constantly updated during the entire process from pre-qualifying to closing. Everyone I worked with was very friendly and knowledgeable about the loan/underwriting  process. I would not hesitate to recommend their services to anyone who was looking for a personal, professional and stress free loan experience.

First time home owner,

Tyler Stack

Tyler Stack - Taylorsville, Utah

We would love to write a review for the Mettle team without any compensation.

First of all we want to thank you for all of your hard work in helping us move into our home.  This has been a dream for a long time for us and because of you and all who work there we were able to achieve it.  We also want you to know that we are already referring you to friends and family, and will definitely continue to do so.  There would be no reason for us to refer to anyone else as you were the ones who were able to help us!  Along those same lines, our agent was definitely impressed with Josh and his team and told us that she would begin to refer to him as well.  And the title company we went through, Aspen Title, was very much impressed with the work you did and repeatedly voiced this throughout the signing of the papers.

That being said we will say that from the beginning Josh Mettle was very, very helpful and knowledgeable about his line of work. He was confident and easy to talk to especially when our situation seemed too out of the ordinary to qualify for a home loan.  We were able to tell him our situation and he immediately came up with two solutions that may work for us.  I'll add that no other lender that we had spoken with previously presented us with either of the solutions that Josh did.  He was very professional and had no agenda.  He allowed us to discuss the best possible route we would prefer to take and we contacted him again with our decision. From that point on Josh and his team took our application on and worked on it as though it were their own.  We were contacted frequently and given all information as soon as we needed it.  That was such a comfort, because as anyone who has gone through the home buying process knows, it is, and can be quite an emotional process.  The Mettle team never let us down.  We could always get a hold of anyone of them if we ever needed to and as stated before, they always kept us updated.

It was really such a pleasure to work with Josh and his team Matt, Debbie and Kim.  I know there were others but never had the opportunity to talk with them.

We are very glad that we found them and are more than happy with the outcome.  Thank you for all that you have done.  We will certainly pass on our experience as we come into contact with friends and family that are looking for a professional and successful team to help them move on with their dreams.  Thanks again!

Jeff and Jennifer Waterhouse - Bountiful, Utah

To the Mettle Team,

Thank you for all the hard work and detail you provided me along the journey to home ownership.  From day one, you were always available to answer questions and give me the direction I needed to proceed with getting my mortgage loan.

You were very helpful as we approached the closing date and I appreciate the communication with my real estate broker.  I am very please with our new home and grateful for everything you have done to help me realize my dream of ownership.

I would surely recommend you and your services to anyone who is in the market to buy a home.  I have several associates that may be looking this next year and I will have them contact the Mettle team when they are ready to start the process.

Regards,

 

Gordon Bangerter - Salt Lake City, Utah

To Josh and his team:

I want to thank you all for the time and effort put forth to help us with our loan and complete everything with the time crunch we were up against.  I know there were a lot of hours put in and perhaps a late night or two to get all the required documentation for the underwriters.  When I had questions there was always someone around to answer it even when you were out of town.  I appreciate the feeling you gave to us that we were the only client and the attentiveness of all your staff.  Yours is a very detailed and time sensitive business and you came thru for us.

Again thanks so much and I wish you well for the upcoming Thanksgiving holiday.

Alan

Alan Magnuson - Sandy, Utah

Matt did a GREAT job and exceeded expectations. Any referrrals i have in the future i will confidently send his way!

Brandon Nash - West Valley City, Utah

Josh was outstanding, a true pro in the world of residential lending.

Greg Barratt - Park City, Utah

Thanks Josh.  BTW, you and your team did a fantastic job with my home loan.  It is nice to work with competent and responsive professionals.  Please use my name as a reference anytime.  I will certainly refer anyone I know that is in the market for a home loan to you.

Glenn Roberts - Park City, Utah

We wish we would have found you sooner. As recent graduates of a graduate program we had accumulated A LOT of student loan debt.  We found the house we wanted to buy and thought things were going to work out fine. They didn't however, due to issues with the students loans. We tried 5 other bank/lenders before we finally found Josh and his team. They knew exactly how to get a home loan done for our situation. They were fantastic and kept us up to date throughout the whole process. One of the team members even sat and listened while I had a break down after hitting what I thought was going to be another "no" ending. She reassured me that they were there to help us get this done.

I am so happy that after 9 months of waiting and trying again and again with various companies I can finally the house is ours! This team was the one that finally got us to be able to close, and just after a few short weeks.  We plan on staying in this home for a long time, but if I ever needed a loan again I wouldn't hesitate to call them. The Josh Mettle team is a well oiled machine that gets things done! Thank you SO much!

Nicole

Dr. David & Nicole Felt - Layton, UT

Thanks so much Matt!  Really, you guys and the rest of the team were great!  We love the new house... although definitely look forward to the unpacking being done!

Thanks again,

Andrea

Andrea Minnis - Bluffdale, UT

First of all, I would like to give a big thank-you to everyone in the office that made this re-finance so easy.  We never had a problem with missed phone calls, late e-mails or missing documents.  We always knew exactly what the status of the loan was and could always get ahold of someone in the office for any questions.  I was anticipating a slow, painful process and what I got was exactly the opposite.  You can be sure that I will be referring anyone that I know about who is looking to refinance a mortgage.  Thanks again

Dave Harker - Logan, Utah

I promise to refer any of my friends who are looking for a home to you guys!  You guys were seriously great and super quick so thank-you so so much!!!  :)

Dr. Daniel & Amber Patty - Draper, UT

To whom it may concern,

We had a great experience with Josh Mettle and his team. Josh was extremely thorough as he prepared us for our loan.  He made sure we did all we needed to do with our finances in order to get our loan approved.  His advice was extremely helpful throughout the entire process and due to his expertise, we were able to get out loan and close on our house when needed. We also felt very valued as he kept in close contact with us and made sure we were well informed through the process.  He made himself available and was patient as we had questions throughout the process. We will definitely refer Josh and his team to our friends and family who will need assistance with home loans in the future.  We will also make sure that we use Josh for any future purchases ourselves.
Very happy with the process and very happy to be in our home!

Dr. Casey and Haley Bachison - Eden, Utah

Thank you for giving me an opportunity to tell you and others how much I appreciated all the work that Josh and the team put in to assisting me.  I have to say that Josh was absolutely wonderful to work with.  This has been something that I have been wanting to do for some time, but found that I needed to do a few things before I could get my credit score where it needed to be.  Josh walked me through the process, gave me suggestions and always made sure to follow up with me from time to time to see how I was coming along.  It was much appreciated.  Being first time home buyer can be very stressful – your team made the process very easy and worry free. Thank you!

Dr. Camille Williams - Midvale, Utah

Hey David,
Sorry it took me a few days to respond...

First off I want to say that I've been extremely happy with Josh Mettle and his team (you included).  You helped me achieve something I didn't think possible at my age for which I am extremely grateful.

A few constructive criticism:
1. I wish I knew how much back and forth paperwork there would be as we went further in the process, I'm not sure if you can really help this, but getting the client as many forms as possible at one time would be helpful.
2. I felt like I had great response by phone with Josh and David, but when contacting Heidi I felt like I had to email her to get a response. Maybe she prefers it that way... I understand she is extremely busy and probably doesn't have time to answer phone calls, but just something I noticed.
3. Also little things like knowing I had to get home owners insurance (something most people probably know) and when exactly I needed to get it.

I really had a great time working with you all, and will definitely give out referrals in the future.

Thank  you,
Allie R. Shapiro

Dr. Allie R. Shapiro - Salt Lake City, Utah

Everything went GREAT! I really am so impressed with how efficiently and seamlessly you run your business. Brian and I were talking about you and how you are the best at what you do! You have this stuff figured out! It was so easy and I never had any questions about what I was getting and what the next step was. I cant say it enough-- You are amazing.Thanks so much for all you do for us. I'm thrilled about the refi and I want to send everyone I know your way!

Callie Hulverson - Salt Lake City, Utah

Thank you!!! This link is great to have!!  You and your team have been great to work with, it made home buying a good experience.  We will defiantly recommend you and Jenn!!  You both are the BEST!!!

Kam and Brittney Sheffield - Riverton, Utah

Working with Josh Mettle and his team was great. They were always prompt and able to answer any and all of my questions; being a first time homebuyer I had a lot of them! I would recommend using Josh and his team to any of my friends and family members. I am so glad that I used this team because they made the process fast and easy for me. Thank you for helping me get into my dream home!

Megan Murdock - Cottonwood Heights, Utah

Drake Bloebaum is an awesome person to work with – the best I have ever worked with when buying or refinancing a home!  He was so knowledgeable, friendly, and helpful. I didn’t work much with anyone else in the group – but Drake always took good care of me and kept me informed as to what was going on.  I would be proud to refer him to anyone – and will keep his name on file for any future use I may have.

Wyla Weeks - North Salt Lake, Utah

You and your team did a fantastic job in helping us get into our home.  You really showed your skills in working through some of the hurdles preventing such a fast close.   I'll definitely recommend you to my friends.

Ted & Peggy Smith - Salt Lake City, Utah

We were very happy with Josh and his team for our mortgage refinance.  We felt like all our expectations were met or exceeded in the amount of effort we had to put into the process, in the way we were treated even after the beginning phases while trying to get our business, in the timeliness of the whole process, and in how promptly and efficiently our questions and concerns were answered.  I had phone or email contact with all three of Josh's team, and was pleased to have every email inquiry I made answered in under an hour.

The whole experience was relatively painless, and we're so happy to be in our new loan at such a great rate and term.  We intend to recommend Josh to any friends and family who may be looking to buy or refinance.  No one we currently know is in this phase, but we will happily recommend Josh if the opportunity presents itself.

Kelly & Slater Wayment - Centerville, Utah

Thanks for all of your help through the process. You are a true professional and excellent at what you do.

Thanks also for slightly over-estimating our closing costs; you previously told us $5,606. We'll be happy to bring in less than have to find more money.

Dan and Lisa Houtz - Sandy, Utah

My experience in obtaining the financing for our home purchase through Josh Mettle and Team was nothing short of exceptional! From the very first phone call to Josh, right through the closing, I never had any doubt that our needs were given the highest possible priority. Josh and Team always presented a professional and knowledgeable approach that created a rather stress free process. I feel as though “the Team” set the bar so high that unless I return to them for my next purchase, I know I will find nothing but disappointment.I have already encouraged more than one friend to seek Josh for their financing needs, and will continue to do so as the opportunity arises.

Please thank Josh for the Bill White Gift Card he sent us and we will also follow up with a personal Thank You card in the near future.

Howard Alberque - Park City, Utah

The services I received were great. Very fast and we were kept informed as the process proceeded. I have actually already referred two couples to Josh.

Mike Roberts - Eagle Mountain, Utah

Our experience with your company was good, however there were some points along the way that caused us some real inconveniences.  I understand that every loan is unique, and that the documents required for each one can vary greatly.  However, it seemed to be that every day there was something popping up that hadn't been signed, or a document that hadn't been provided.  Closing on a home is extremely stressful as it is, however there were multiple times where I felt like I must have been one of a thousand loans being closed by your company at the same time. Things were constantly slipping through the cracks.  Even after we finally closed and signed for the home, we were contacted later the next day informing us that we were still missing documents.

All in all our loan was approved, and we closed on schedule, so I can't complain.  I do know that it was a very busy time for your company, and I can understand the stress your group was probably under.  I was very impressed with Josh from the beginning.  He has always treated us like we were his only clients, and I really appreciated that.  He also gave a discount on his costs to make sure that we could financially make the deal work.

I haven't hesitated to refer him, and I actually already have him working with our good friends.  I'll continue to do so.

Mike Farr - South Jordan, Utah

Our experience was incredible.  From beginning to end things went so smoothly and professionally.  The title company said that they could not believe that things went through so quickly. And couldn’t recall ever having a closing happen that smoothly.   I have already referred one friend to Josh and will not hesitate to refer others.

Dan & Cate Adams - Salt Lake City, UT

Thank you for the opportunity to talk about my experience with Josh Mettle and his team.  This was my first experience buying a home, so naturally I had a lot of things that I had to learn and many questions.  I am happy to say that Josh was very helpful in answering my questions.  One of the best things that made the home buying experience enjoyable was that Josh always responded to my messages quickly, whether they were emails or voicemails.

Josh worked hard for me.  He was always willing to provide me with the necessary information on different proposals so I could make the best decision for me.  We ultimately ended with a great loan, which made this whole process even better.  I learned quickly that I could trust Josh to get me the best possible loan and provide correct, detailed information.

I have already referred one person to Josh and his team and will continue to do so.  I am glad to know that I have found a great team of lenders that I can use in the future as well.

Tad Hansen - Lehi, Utah

Josh and his entire team went above and beyond what an average mortgage broker should do. I applied for a VA loan and understand the headaches which come forth while dealing with this agency. I had no problems thanks to the Mettle lending team. Thanks again for all you do!

Landen White - Riverton, UT

Thank you Josh!  This has been an incredible process, and we feel blessed to have come in contact with you.

Matt & Margie Dimond - Salt Lake City, Utah

We have had a great experience working with Josh! He was always very efficient with everything. Josh and his team did an excellent job making sure we had everything we needed to close. I am very pleased with the service we received from your company, and would highly recommend you to everyone!

Ty & Stef Dennison - Herriman, UT

Josh Mettle was the 4th lender/broker we contacted in our search for a home. We'd had terrible experiences with the others we'd worked with: uneducated staff, lack of follow ups, and just an overall lack of desire to help us. With such a crazy market and economy, it was difficult to find someone we can trust. since we'd been mistreated already, we were nervous to even call anyone else.

When we called Josh we told him our concerns and he assured us right away that we'd never have those problems with his firm.  Not only did we not encounter those problems, I'm sure I called and pestered everyone there, and everyone was still patient and put up with me!

My husband and I had a few credit issues in the past and with all the new lending rules, our case went through so many problems. Josh and his team were there at every stop, ready to fix the problems and get our loan done.

Josh and his team really pulled through for us and we're so happy they did, we love our new home and we will definitely use Josh again when we're ready to "upgrade". I've recommended his services to everyone we know!

We really are so thrilled with the services here and we're so grateful to everyone there for working so hard for us. Thanks for everything!

Josh & Brittany Petersen - Riverton, UT

Josh, thank you so much for your help.  You have been efficient, straight forward, honest and kind.  It has been a pleasure to do business with you and we won't hesitate to refer you to the world!!

Diane Terry - Salt Lake City, UT

Josh made the loan possible and I can't believe how easy he made the process! I will definitely recommend him and his team to anyone who's in the market. My Realtor Jon was awesome! He was patient and honest

Karen Tao - Sandy, UT

The whole experience of working with Josh and his team was amazing.  You guys were all very helpful and willing to what it took to help me get into my first home.  You made the buying experience very easy and Hassle Free.  You definitely knew what to do and the best way to get it done.   I would gladly recommend you to family, friends, and whoever else I know that would be needing a lender.

Brad Hutchings - Springville, UT

Thank you so much! We appreciate all of your help in getting us this house!

Also, thank you for the link to view our house! That is awesome that you guys did that! We will be sure to refer people to you guys that are trying to buy or sell.

Allyssa Webb & Clint Thurgood - Salt Lake City, UT

I would say that my refinance experience with Josh was a positive one.  It seemed that there were some "bumps" in my situation and Josh worked through them and we got it done.  Thank you, both, for everything you did to get my home refinanced. I don't know of anyone who I can refer to you at this point for business.  But if I hear of anyone, I will give my referrals to you.

Jerrilee Criddle - Sandy, UT

Working with Josh Mettle's team to refinance our house was a painless act that save us thousands over the life of our loan, plus we were able to take out a bunch of money for home improvements to add to the comfort of our life. We had issues that surfaced in the loan process because of my recent divorce, but they did most everything for me and delivered the loan as promised. I will never work with another loan team, they had won our business for a lifetime.

Steve Denton - Salt Lake City, UT

Words cannot describe how appreciative I am of all that Josh and his team have done for me and my family!  I have worked with Josh on multiple refinances as well as a new mortgage over the last 7 years and he has always taken the time needed with me to make sure things are done correctly and that I'm pleased with the outcome.  Even in my hardest times of life, Josh helped to coach me and provide guidance to improve my situation to be able to get our dream home. I have also referred multiple friends and family to Josh who have thanked me after their experience since the service provided definitely exceeded their expectations.  Hands down, his team is the only place I would send the ones I love!

Thanks you again Josh and team for keeping me sane during all of the trials we've gone through in getting our home and standing by our side until the end no matter how crazy things got!  We couldn't have done it without you!  Your team is truly the quality of people I wish everyone was and I will be forever in your debt for making our dreams come true!

Lisa Frigm - Herriman, UT

Thanks for all your work!  You and your team were professional, punctual and kept me in the loop in every step of the loan process.  I knew exactly what to expect from start to finish and was also impressed that you were there for my closing! Kudos to you and your team!!

Kevin Hughes - South Jordan, UT

This is the third loan we have closed with Josh, and per usual, we have been favorably impressed with the professionalism, timeliness, and exceptional knowledge of your team.  When we first informed Josh of our intention to buy another home, he was proactive with what information he needed as well as having kept complete records, utilized those to streamline the process and minimize the hassle for us.  Next Josh notified us as rates moved around, and the day they dropped to 4.5%, locked us in so we could take advantage of such a low rate.  Finally the speed at which you expedited the loan process, meeting an incredibly demanding time crunch, was phenomenal and again evidence of your commitment to meeting needs of all involved. Thanks for another great lending experience, we will be happy to recommend you to any friends looking for financing.

Stephen Thompson - American Fork, UT

First, my mortgage experience with Josh, you and the mortgage team was remarkable.  I could not have asked for a better "finance team" to work with.  Early on, Josh (or you) sent me a brief description of what the 4 week loan "process" was going to be like and it was right on.  You guys were proactive and delivered what you promised.  Thank you. Secondly, Jake Breen and his team were also outstanding.  I loved the "pit bull" mentality they had of aggressively pursuing the property at a fair price. Lastly, I would be happy recommending Josh and you along with Jake to anyone.  In fact, Jake and I have already referred the Robirds to you through their real estate agent.  We have accepted an offer from them for my former home on Millcreek Road.  Hopefully, with your assistance, we will be at another closing with this team within the next few weeks.  In addition, I have 3 children that will be looking to buy homes in the future and will encourage them to contact you.

David & Diane Terry - Sandy, UT

Our mortgage experience was great.  We were kept informed of what was going on at all times – I really like that. The whole process went very smoothly.   We will definitely recommend you to our friends and family.

Jeff & Keena Ludwig - Sandy, UT

Thank you so much for all that you have done for me, you have been the absolute best to work with. I am so thankful that you flowed into my life and blessed it with you absolute professional attitude, friendly persona, and the ease you made this whole process. After  completing all the paperwork with the title agent, I came away from my closing table MORE impressed than when I went in. Thank you, Thank YOU, THANK YOU. I cannot tell you what a pleasure it has been to work with (and continue to work with) you. Seriously it was perfect that I had some time to visit with my friend/realtor before the closing. It really assisted me in further learning and led me to realize that I get to speak with an accountant right away to start thinking about the Income I get to claim on NEXT years taxes. So, for me the wait time was a literal blessing, and educational experience. And to think everyone was happy to wait for me to learn that bit of info before the had us close. Also, my boyfriend was able to make it because we got to wait. Everything happened in it's perfect time for me.

Janette Openshaw - Midvale, UT

Our mortgage experience with Josh and his team was very easy and efficient. We were updated weekly with the progress of our loan and all of our paperwork was processed in a timely manner. We didn't have to worry about if stuff was getting done or not because Josh and his team made everything so easy and run smooth. If we have people that are planning to buy a house we will refer them to Josh because his attention to detail and his willingness and drive to accommodate his clients and get them the best rate possible.

Geoff & Danelle Cox - Riverton UT

I was impressed with the professionalisim of Josh and his team. You were very easy to get hold of, communication was excellent, and you did all you could to work with me in getting my loan approved and proccessed. You never seemed to busy to help me with questions or problems. Thank you for your efforts. I would choose Josh and his team again the next time I have a need for a refinance or a new home loan.
At this time I am not aware of anyone in need of a refinance or home loan.  If I run across anyone in the near future I will recommend the Josh Mette team.

Karma Cluff - Smithfield, UT

My experience with Josh was a positive one. He was knowledgeable and his staff was responsive.

Joe Covey - Sandy, UT

Josh and his team did a great job.  It seemed surprisingly efficient for what is typically a very inefficient and frustrating process.  I’ll recommend anyone I come across in the market for a mortgage.

Rick VanAlfen - Highland, UT

After two frustrating months of trying to get a pre-qualification letter from one of the nation’s largest banks, I was referred to Josh by a work colleague.  Josh was able to get all my paperwork over the weekend and by Tuesday I was able to get a prequal letter so I could make a timely offer on a short sale.  Josh and his team was very responsive during the underwriting process and very informative in helping me with my rate lock.  I highly recommend his services.

Chris Brockbank - Woodland Hills, UT

The level of service and knowledge provided by Josh Mettle, David Nelson and Jeanmarie Gonzales was very good. They were responsive to e-mails, phone calls and text messages.  Their responsiveness was very good. The closing documents and explanations were very good. In today market where extensive documentation is required, the team was patient and worked hard to get over stumbling blocks and delays out of their control. I would recommend CHL because they closed my loan within about a month which is great in today’s cautious lending practices. Number of expected documents were more than the past few years when the economy was better. However, the team processed them in reasonable time and with professionalism.

Norm Manoukian - Santa Clara, CA

I just wanted to take a moment and tell you how much I appreciate what you and your team have done for me. David Nelson was a stud! He is a Rockstar.  I really appreciate the hard work that everyone did on my behalf, and your patience with me. I definitely know where my friends and I are going for our future financing needs.

Cameron Janke - Salt Lake City, UT

Success!  Thanks so much for your help in sorting this out, your company is always so responsive and easy to work with.  I greatly appreciate your team!  Have a great afternoon

Erica Mizell - Salt Lake City, UT

WHAT?? I absolutely cant believe that! I am truly stunned right now Josh! I wish I could of answered your call but dang it,I am always driving my little kiddies around when I get the good calls!!  Wow,I cant even thank you enough Josh for your credit simulator program,it totally saved us. I need to do it with my credit next,it is amazing. We are so happy right now,I cant wait to get offering on houses! I have 4 that are in our pruice range which I love!

Mindy Asmus- Bowles - Salt Lake City

Thanks for all your help. Your credit program worked better that I would have ever expected. We went from fair to excellent credit in a few short months. Awesome!

Josh Bowles - Salt Lake City, UT

Thank you so much for all you have done to get us into our dream home.  Both you and David did an excellent job of keeping us informed and comfortable with all of the financial information.  We truly appreciate all of your hard work.

Matt & Michele Brinkerhoff - Draper, UT

I am extremely happy with my experience with my current home purchase. We wandered in to the Ivory model hoping to get a look at the plan I had been looking at online. Wid was very helpful with information on the Ivory townhomes at Highbury. We fell in love with one of the manager special units. Wid then went on to highly recommend Josh as a mortgage broker who he trusted completely. He said that Josh would do his best for us and keep us informed of progress.

Wid understated how very good Josh and his team are. I have been frustrated in the past with other mortgage brokers I have worked with because there were frequent delays and problems. With Josh and his team they told me what to expect upfront. They promised to keep in touch and did so. When additional information was needed that might have delayed things they promptly requested the information and made sure that it was correct. In fact we even closed earlier than Josh originally estimated. I will definitely use Josh and his team for any future mortgage needs and refer all my friends and family to him for their needs. Thanks Josh, David and Jeanmarie.

Stephanie Mason - West Valley City, UT

Doing business with Josh has been a pleasure. He has always been there for any questions that come up, and is always quick to return my calls. I have always felt he gives honest advice, and really knows his business. We enjoy his news letters he sends out too. He made this refinance very easy on my part. I will gladly refer my friends and family to Josh, as I have done in the past.

Stella Wordelman - Salt Lake City, UT

I am very pleased to recommend the Josh Mettle Lending Team. In fact I already have promoted you to one of my friends. Expect more to come. Alydia and I are delighted with the high level of service we received. I approached Josh at the recommendation of my friend Kent Whipple. We were in a difficult situation with excellent credit scores but two variables that made this a tricky transaction. Josh listened patiently then dug into my case with expertise and optimism. It took some doing but Josh stayed on the job until he got me the loan I wanted and at an even better rate than I had hoped for. Josh is a total rock star! Our closing experience was wonderful as well. Every touch point with your team was top notch professional. We are raving fans!

Brad & Alydia Barton - Ogden, UT

Working with Josh was wonderful. He is very considerate and he worked very hard on getting the best interest rate. I have been to Josh twice and I will go again when and if the time comes. It has been a pleasure working with team. As far as referrals I will honestly work on that. Thank you for a job well done.

Lisa & Ardith Stephensen - Salt Lake City, UT

It is easy to write about Josh and my experience with his team. When I first started contemplating buying Paige’s home I had literally no idea how to buy a house! I didn't know where to begin or who to call. I asked Paige who she had dealt with before and she had Josh's card available and I made the call! Josh was very friendly, caring, and answered my questions to my understanding. Believe me, I am a true novice at this. You both made this so incredibly easy and PAINLESS. Thank you for such great service! I will recommend you to my friends!

Lynda Davies - Midvale, UT

I have just finished refinancing my home through Josh Mettle. I was referred to him through an old client of his. I am so glad that I followed through with the referral. Josh and his whole refinance team where great. The timing from contacting Josh and funding was so smooth and FAST. Josh and his team were there to answer any little question I had. And trust me I am full of them. Josh is very informative and sends you very useful information. Thanks again!

Matt Eckman & Cassie Yocom - Taylorsville, UT

Both Gary and I were very impressed with the way our mortgage was handled. Josh explained everything to us, it has been over 30 years since we had our last mortgage, so we had a lot of questions. We appreciated the way you and Josh handled all of the paperwork for us, We also felt that Chantel Markel went out of her way to meet with us and help us in anyway possible. I would definitely send any referrals to Josh as well as Chantel. Mark Jones also went out of his way to help us as well. Thanks so much for all of your help, you made the experience a good one.

Gary & Susan Friede - St. George, UT

My experience with Josh and having used him before was quite enjoyable. We had no glitches in the processing and my wife and I are very pleased with his honesty and ability to work the loan rate out. He also keeps us informed with his monthly newsletter. The newsletter keeps us up to speed on the changes going on in the market as well as things we might need to think about relative to taxes. As far as referrals, I have already given Josh two referrals (Vince Rocco and Dave Nichols) who are associates from work. I will continue to pass on anyone that might be interested in buying or refinancing. Thanks for your help in getting our deal closed.

Ed & Kathi Buksas - South Jordan, UT

Skylar and Josh were so great to work with! We put them through a lot and yet they stuck it out with us. I appreciate all that they went through to get us into this home. I know Josh not only spent time on us but he spent his own money to get us into our home. I appreciate that and know that any other person would not do that. Thank you guys for all that you have done for us. We love our new home and we love the fact that we will not be paying someone else's mortgage! Thank you again and believe me I have told everyone I know about Josh and how wonderful he was to work with. I do hope that they will call him soon.

Kalei Herbert - Eagle Mountain, UT

I will definitely refer Josh to everyone I know, because I know we could never have gotten through the loan process without his help. Buying a home is incredibly stressful and difficult because of the responsibility the buyer is agreeing to take on, but Josh’s integrity helped us through the entire process from beginning to end.  Thank you Josh!  And thank you to all of those who worked so hard to help us qualify and receive a home loan—we are so thankful to everyone involved.  Thank you for helping us to achieve our dream of homeownership. Thanks.

Kristen and Benjamin Smith - Salt Lake City, UT

Thank you so much for all your help with our construction loan and our long term mortgage.  You really know your job well and made us feel like we were your most important customers.  We know we got the best rate because of your skills and knowledge.  You are wonderful and we just wanted to say thanks for everything.  We will definitely recommend you to our friends and family.

Jason and Keri Miner - American Fork, UT

To all Future Home Owners,

Working with Josh and David to obtain our recent mortgage was almost too good to be true.  It was lots of work providing all of the documentation, but there was never a time when we could not get a question answered.  All inquiries received prompt attention, and we always felt like Josh had time to talk with.

We mortgaged our first home in 1973 and have closed on several mortgages in years since then.  This is the first mortgage that we truly felt a part of.  Rather than providing the necessary information and waiting to hear back we were kept apprised of where the paperwork was in the system, what came next, and what was still needed.  From the first meeting Josh to closing on our home was 22 calendar days.

We are sold on Josh Mettle and his team.  They will have all of our future business.  We will refer everyone we know who is in the market for a mortgage to them.

Roger and Susan Rugg - South Jordan, UT

My experience with Josh and his team was great.  During this time when lending can be difficult, Josh and his team went the extra mile for us in order to not only get our loan approved and funded but to get us a great rate in the process.  The loan process was frustrating at times but Josh was quick to address our concerns and put us at ease.  Thank you, Josh and team for your efforts and we love our new home. Of course I will pass your name along for reference to any friends and family that may be in need of a home loan. Thanks again.

Stu Segura - Highland, UT

My mortgage experience was fantastic. It’s never seemed that easy to buy a house. Josh’s knowledge is incredible. It was nice being able to call him and get answers right then and there! Every step of the process was as easy as I could have hoped for it to be. He does a great job keeping you informed with daily or weekly phone calls. My agent Tammy was also great to work with. Working with all of you I didn’t feel like I did much but sit back and sign. I would be more than happy to send any referral your way. Matter of fact I have already started!! Thanks again.

Jason McKnight - Salt Lake City, UT

My experience with Josh has always been a positive experience when dealing with refinancing. He has always made it as stress free as a refinance can be. He will always be the first one to be referred to my family & friends; I have the up most trust in Josh on his knowledge & advice. I wouldn't work with anyone else other than Josh. Also thank you all so much for the smooth transition on my refinancing, we appreciate you all for your hard work.

Shelly & Marc Anderson - Sandy, UT

Working with Josh was great! He was always very nice, no matter how many questions I had, and was always VERY prompt at returning phone calls and emails! After experience with someone who was trying to rip us off, it was nice working with someone who knew what they were doing and getting us a great deal! I have already told people I know to use him! And we will also use him in the future!

Brad & Hope Nordberg - Riverton, UT

I have to say that I could not be happier with my mortgage experience with Josh. He came highly recommended but I still shopped around for bids and Josh was not the lowest as far as origination fees but I chose him anyway because he said to me, 'I sell integrity and therefore I do not discount my points'. I liked that answer. From that point on everything was smooth sailing. Very little paperwork and very few documents were needed. I received at closing exactly what Josh had promised, no surprises. I have never had an easier mortgage loan experience. I will recommend him to anyone in need of mortgage services.

Julie Martinez - Salt Lake City, UT

Josh did a phenomenal job interacting with me as his client. He was ALWAYS right on-point and knowledgeable. But more importantly, he possesses the skill sets to explain the landscape in a way that makes sense to someone who doesn’t deal in these transactions everyday. Further, he always answers his phone and gets back immediately on requests. My transaction seemed more complex than most, and it had some unexpected surprises, including a significant error from an underwriter which made the transaction even more stressful. Through the entire process, Josh was the voice of reason and the knowledgeable subject matter expert that I needed in my corner to successfully navigate the unexpected surprises.

In every way, Josh exceeded my expectations for the service and support he provided on my mortgage transaction.

I’ve already referred him to my friend Spencer Cannon, who currently is the only person I know immediately in the market for a home mortgage. But rest assured that when the moment arises, I will certainly refer my friends, colleagues, and associates to Josh for their mortgage loan needs.

Justin Calapp, Ph.D. - Utah

Josh came highly recommended by a friend so I had very high expectations for him. I felt at ease with Josh since the beginning because he first explained all of the details about the different loans and everything else that a buyer, a first time buyer in my case, should know. So I had a good background of information to begin with. After knowing my needs, he explained what the best type of loans was for me and explained the process ahead. I really felt like I knew what was happening at every step of the process and he was readily available to answer any questions I had. This made the whole experience way less stressful and more exciting. I was also very impressed with his staff. They were very friendly, prompt and efficient. Josh and his team met and exceeded my expectations in every way. Thanks!

Martha Mandujano - Midvale, UT

Our experience with Josh Mettle could not have been better. The purchase date of our new home and the closing date on the sale of our old home created a very tight time line. Josh's experience and expertise made the transition flawless. He kept us informed during each step of the process and was more than willing to answer all of our questions. This included a thorough line by line explanation of all financial documents. Additionally, Josh was able to monitor current market trends and lock us into a mortgage rate that was below what we expected. I would highly recommend Josh Mettle and the team to any prospective home buyer.

Rand Stover - Riverton, UT

The reasons we use Josh and his lending team abound. But the most straight forward answer is that we know he delivers. We tell him what we want to do, and he suggests the best route. No back and forth phone calls, no unexpected changes, no delays. I always tell people who are interested, "Call Josh, we tell him what we want, and it's done." I will always do anything I can to get him a new client. Simply put, when I have Josh and the team on the job, I know it will get done, every time. Working with JML Team is painless.

Colby & Zoe Dyksman - Utah

Josh was great, Things went well. I have and will refer to him.

Toni Hawkins - Salt Lake City, UT

This was the second time I had the pleasure of working with Josh, and I certainly hope it will not be the last. No number or degree of superlatives could adequately describe his exceptional professionalism, can-do attitude, attention to detail, accessibility, and work ethic. Whenever even the slightest problem or issue arose, Josh simply did not rest until the problem was solved, and he usually solved it before I even had a chance to return his phone call. Josh is the consummate loan officer and professional.

Greg S. Owens - Salt Lake City, UT

I/We would be happy to comment on our experience with Josh Mettle. Josh was great! He never avoided any of our calls or put us off. Whenever we had any questions or concerns he did address them. We had to trust in Josh that he truly was getting the loan that would best benefit us since he has all the experience in this field. We feel he did that. At closing everything was as Josh had told us. No surprises. When we decided to we are ready to downsize we will definitely have Josh involved in the process. There is no question, if we know someone who is wanting to finance or refinance their home Josh Mettle's name will definitely be entered into the conversation. We do have one other request of Josh, we would like a couple of his business cards. This way we can refer him and give out his card. Bob does this with our insurance agent to. Since my husband is in the car business, he comes in contact with a lot of people. If the opportunity presents itself he will hand out one of our insurance agents cards and just tell them call him and see if he can benefit you. He would be happy to do the same for Josh.

Tery Davis - Utah

I am happy to comment about my experience with Josh. I have closed 3 loans with Josh. I was a first time buyer and Josh walked me through the complete loan process. He was very helpful, informative and patient. Since I knew nothing about mortgages at the time, he made the experience very pleasant and less confusing for me. On my last refinancing, Josh was just as wonderful! He provides great service to his customers. I have also enjoyed is attitude through all of the mortgages. He is positive and encouraging no matter what issues my come up during the loan process. I am so pleased with my experience. I have referred a couple of friends to him to aid in their home buying process. I will continue to refer my family and friends to him in the future.

Thanks so much to Josh and his staff!

Cortnee Morgan - Herriman, UT

I found the refinancing experience with Josh a pleasant low stress experience. He is very professional and up to speed on all of the current financing options. Once I gave him the requested material to complete my refinance plan, all I had to do is wait for the closing date. I feel that he really worked hard to get me the best deal out there for my situation. He truly lives by his motto of 'Say what you do. Do what you say. No surprises.' Thanks for all your help.

Jim Ercanbrack - Riverton, UT

I have used Josh Mettle for the purchase of three homes over the past three years, one of which was my first home purchase. Prior to Josh I worked with two other mortgage brokers of which I was not impressed with their ability to clearly explain the loan process or details that I felt were important for me to understand. My experience has been much different with josh because no matter how simple or insignificant my questions were he was very willing to spend the time to explain to me details. After a number of times of working with Josh I referred him to my friends and family who have expressed to me their frustrations with other brokers. At no surprise every one of my friends and family has had nothing but an excellent experience stories to tell. If you are looking for an excellent broker who you can trust and expect to walk away from a closing with no surprises, I would highly recommend Josh Mettle with City Wide Home Loans.

Donavon Minnis, Okland Construction - Salt Lake City, UT

Our experience with Josh has always been wonderful. He always keeps in touch with us by sending mailers each month. We have now been working with Josh Mettle for almost 6 years. He always answers his cell phone and is willing to help answer any questions that arise. He was very prompt in getting back with us on what was needed for this refinance. He sent out the appraisers within the same week of discussing our plans to refinance our home mortgage. Josh has always been someone we would refer to anyone and everyone who mentions wanting to buy a house or refinance. He is very honest and straight forward. We have never played the runaround game with Josh. We would like to thank Josh for all of his hard work and honesty...qualities that are hard to come by these days.

Jay and Heidi Hortin - Salt Lake City, UT

We really appreciate the quick response from Josh and David regarding our recent mortgage. On day one, when we needed a pre-approval from Josh for an offer we wanted to make on a home, Josh was awesome. We were talking to him on the phone at 9:30pm trying to fill out a loan application. By the time we got home we had a pre-approval waiting in e-mail. We felt like we were being taken care of and the details were not being overlooked or put aside. We have worked with other lenders in the past and had some bad experiences. We did expect to have the same experience this time, but was pleasantly surprised at the efficiency Josh and David worked under. Time was a critical factor with this purchase and Josh got the job done.

Skylar did a good job as well. Because time was a critical factor, we feel he did everything he could to help the process along. He made himself available whenever we needed him. He also referred us to Josh, which ended up being a great experience overall. We will refer others to Skylar's services as well in the future.

Keith & Erica Huntsman - West Jordan, UT

We have always enjoyed working with Josh. Recently we referred our son to Josh for a refinance of his home. Obviously, we would not have done that if we were not pleased with what Josh has accomplished for us.

Jeff & Kathy Mickelsen - Herriman, UT

Josh has always been very informative and clear about the lending process, including rates, loan packages and timelines. He always answered questions and returned phone calls in a timely manner and never seemed frustrated with us when we wanted to see a new Good Faith Estimate based on different rates or packages and would even send them over email after the work day was done. We felt confident that we were able to get the best loan available based on his watch of the market each day and his access to information from multiple lending sites.

Buying a home lends itself to a process that can be frustrating and tedious. There were moments that felt irritating because of the underwriting process and although we did take our frustration out on anyone who would listen, we understand that the lending requirements and regulations were to blame for the frustration and not any person who was involved in purchase of this home. Josh was always quick to help us understand the reasons behind the issues we ran into and never got irritated with us when we felt frustrated. He really did do a great job and we appreciate him for his patience with us.

I would be happy to refer people to Josh. I don't know anyone in the market to buy a home right now but will pass along his information whenever I can.

Kirsten and Vinay Tulsian - Salt Lake City, UT

Our experience with Josh and his team was very pleasant and surprisingly much less stressful than I expected. Josh was very professional and pleasant anytime we talked with him. Although he used the rest of his team to assist him he was always personally available for our needs and responded quickly if we could not get a hold of him the first time. I truly was surprised how smoothly things went especially since this was our first home purchase. Everyone on his team was accommodating and did most of the leg work to get our loan processed and funded. I feel like they went above and beyond my expectations. Overall our experience was really very pleasant.

Andrea McCloy - Draper, UT

I do appreciate you taking the time to inquire on the service my husband and I received during the refinance on our home loan. I really enjoyed working with Josh he was so nice to answer all of my questions and I especially liked how quickly he responded to them. I would definitely work with him again on any mortgagee endeavors we decided to do in the future.

Everything seemed to work out great for us and without any problems or glitches which is so nice.

Thank you again for the great customer service and for all your advice!

Katy Bangerter - Taylorsville, UT

My Mortgage experience with Josh and his team:

First of all, I would like to thank Josh and his team for following through all of the hoops required to get my loan refinanced in these trying times.

I received a complete list of all of the items needed in order to complete the refinance.

I responded with all items on the list very quickly and received quick answers to any questions that I had.

I was always just an e-mail or telephone call away from the answers to any questions regarding my loan.

The team was persistent in working to get a perfect lender for my loan and I always had great service no matter which team member that I was working with.

It was important to me to be able to know the fees required in advance and be comfortable with my closing and to have it completed as projected.

I would definitely refer anyone looking for a finance or refinance to Josh Mettle and his lending team.

Sincerely,

Carole Street

Business Administrator for Westgate Business Center

Salt Lake City, UT

Carole Street - Salt Lake City, UT

We really enjoyed working with your team.  We had a simple, easy going process in purchasing our home.  Your efforts and time were greatly appreciated and it was nice to be able to get a hold of someone immediately if not within just an hour or two.  We appreciate your willingness to work with our schedules to the best of your abilities and expediting the paperwork process so we could sign our closing papers a day early.  I know most companies we would be working on their schedule and that really helped us out.
Other than that your kindness and hard work were noticed throughout all of this.  We would definitely refer Josh and his team to those looking.

Thank you for everything

Jen Christ and Eric Smith - Bountiful UT

To The Josh Mettle Team:

Our entire family cannot begin to express how grateful we are to all of your hard work!  Being a home owner has always been a dream of mine and your entire team made that dream come true with professionalism, a personal touch & hard work that went above and beyond all of our expectations.  We will never be able to thank you enough.

Mark and Nicole Ivie - Herriman, UT

I would like to start off telling Josh and his team thank you what you and your team did for us.

The experience that we had was great. They were fast and made it easy for me because just to let you know we were fighting with our old mortgage company for the last 2 plus years to just get it modified and it never went through. So thank you again.

Jerry and Shelly Daugherty - Salt Lake City, UT

We had a great experience with Josh and his team. At first the thought of buying a house was very overwhelming. Being a first time home buyer only added to that stress. Paul and I both agree that we couldn’t have found a better group of people to work with. You guys were very patient and answered the millions of questions I had. We are very thankful for all that you did for us. We couldn’t be happier with our new home. Now that we are moved in, we  feel that not only buying a home, but doing business with Josh and his team was a great idea.

Unfortunately I don’t have any referrals to pass on to you guys but I can guarantee you that as soon as we hear anybody we know talk about purchasing a home we will send them your way. We are so grateful to Jennifer Templeton who gave us Josh’s number, and I’m sure anyone whom I give his number to will feel the same way.

Thanks again for your time.

Paul & Thania Burningham - Salt Lake City, UT

My experience with Josh and company was AWESOME.

 

Merlin & Sherry Nicholes - Draper, UT

Good day Josh , just wanted to thank you so much for all the work you put into helping us with our home.  You did an Excellent job. We are all super excited. You made our dream a Reality.

Forever grateful,

Raul

Raul Escudero - Rialto, CA

   My experience with your company was great.  Every step along the way I like that I was able to ask questions and each person I worked with was more than happy to help me.  I felt that every step of the way there was a priority put on getting me into a home.  I was also well informed every step of the process, and if there were issues with a few things I was also notified of this.  Some people may not appreciate being informed of hiccups that take place along the way, but I prefer honesty.  I really liked that I was informed every Thursday through an email or phone call from David.  I liked that the expectations of what type of service and when updates were given were set from the beginning. Also really liked the receptionist asking if I wanted a beverage!
I also really liked the pamphlet that was sent with my paperwork explaining what everything was as far as the annual percentage rate etc.  I priced several things as far as appraisal, inspection fees etc and found that I was not overcharged.  This was extremely important to me, being a single mom every penny counts!

I will be more than happy to refer people I know to your business in the future.  It seemed like customer service is something your company values and it shows!

Thank you for your services!

Leola Brown - Taylorsville, UT

Thanks again for the great service you provided on our loan.  It's honestly some of the best customer service I've ever experienced!

Tony Rasmussen, Sr. VP of E-Services for Mountain America C/U - South Jordan, UT

Happy to share a few thoughts regarding our experience......

Having not been through the process of buying our own home we had no idea what to expect when it came to financing, particularly because ours was a new build.  To our delight, not only were we satisfied with the financing package that was put together, but we also found Josh's team to be consummate professionals.

The entire process seemed to be streamlined eliminating unnecessary or redundant tasks, and communication was clear and prompt.  My wife and I found all members of the team to be courteous, respectful and patient, which was important as we were first-time home buyers.  Moreover, all parties took appropriate measures to make sure we understand each proposal when it was presented.

Thanks again, guys!!!

Paul Brabants - Accountant/Business Manager for US Speedskating - West Jordan UT

I can sum up my experience with Josh and the City Wide Home Loan team in two words. Extreme Professionalism!!!

I was very pleased with the communication and services that the staff provided, Your team did exactly what you said and never under delivered on service, which is missing in a lot of today's business. I will definitely recommend your services to everyone I know that is needing home loan services and will also use you again if the occasion arises. Thanks again for all of the work and help you gave us.

Justin Schiffman - West Jordan UT

We were very pleased with the services offered by Josh Mettle and his mortgage team.  Josh and his team are knowledgeable in the field and were always able to answer all of our questions, often responding by email within minutes.  We loved how that he informed us of each detail of the process along the way.  His customers know exactly what to expect all along the way.  We were very impressed with the timely manner in which our loan was processed.  We were able to close over a week earlier than we had first anticipated.  We would definitely use his services again and plan to refer our family and friends to him for their mortgage needs.

Joseph & Amy Lee - Highland UT

The experience I had with Josh and his lending team was great. Mandy, David, and Josh all worked really hard to help out with all my questions, being as I was new to all this. They were prompt in replying to all my e-mails and were very knowledgeable. I would refer anyone I know needing a lending team to them. At this time I do not know anybody thinking about buying but I'm sure I will in the future. I will always keep you guys in mind. Thanks for all your hard work!

Lindsay Webber - Salt Lake City UT

My experience with Josh Mettle and his team was incredible!  I can't imagine anyone who could work as hard as they did.  Josh did everything he could to help me qualify and he did!  He was also able to get me the most amazing interest rate I've heard of.  My friends and family are jealous!

The communication was so easy.  Through email, fax, and phone calls, I was always able to reach someone on the team and I only had to go to their office once...for five minutes!  I just really want to thank everyone, but special thanks to Josh, David, and Mandy for getting it all done.  You guys were the easiest experience on my entire process.  I will definitely refer you to everyone I know.

Thanks again,

Kimberly Lyles - Cottonwood Heights UT

This is the 2nd time that we have refinanced our home mortgage through Josh Mettle.  Josh and his team have made our experiences very positive and successful - that's why we keep coming back for mortgage questions and to initiate refinance activity.  The team of Josh, David, and Mandy are professional, knowledgeable, and provide outstanding customer service with quick response to our questions and concerns.  They work together to ensure that our mortgage application was completed in the shortest amount of time, with the best interest rates, and the lowest closing costs possible.  We have recommended our friends and co-workers to Josh for the home mortgage refinancing needs.

Brett & Eileen Matsumura - Layton UT

“Excellent, excellent, excellent!  Josh and each staff member that I had the pleasure of dealing with was professional, responsive and helpful.  I had a few recommendations of mortgage brokers/bankers to consider.  I thoroughly researched each option.  Josh was able to provide the best rate and had a high level of professionalism.  Phone calls and emails were returned promptly and questions answered right away.  I felt as though I was in good hands through the whole process…and I was!  The closing went quickly and smoothly.  The “over and above” customer service did not go unnoticed.

Thank you to Josh and his team for helping me into my new home! “

Kim Blocker - Sandy UT

I have had a wonderful experience working with you and Josh and the rest of the team.  I have complicated finances and all of you worked very hard, in this difficult market to help me be able to close on a house.  I had tons of questions along the way and they were all answered quickly and in great detail.  I never felt like I was calling to much.  At the end of the day I own a beautiful home and I have all of you to thank.

You will receive nothing but the highest of recommendations from me in the future.

Tara Baird - Salt Lake City, UT

My husband and I were very pleased with the level of customer service and attention we received from Josh and his team. We were not sure we were in a place financially to qualify for a home, but he allayed our worries and got the ball rolling. From the first day we contacted him, purely out of curiosity and and an annoyance with rent, he was on our side.

It took us about six months to get our credit score where it needed to be to qualify. During that time, he had me meet with a credit specialist and several other people were gathering information the whole time. He and his team made the whole process doable and easy which I never thought was possible.

Once the actual home-buying process began, he and his team were available for all of our questions and concerns. We got to the point where we did not think about our financing because we knew everything was going to be ready to go and taken care of when the time came and that is exactly what happened. He knew all of the ins and outs and hoops to jump through to get us the lowest possible interest rate and personally saw to it that our needs were met and every situation was personally tended to. Throughout the whole process my expectations were exceeded. Overall, the experience was positive and I tell everyone considering home buying to call Josh Mettle and his team.

Sara Darling - Midvale, UT

David, Josh, and Team,

We again had a wonderful experience with Josh.  We offer his name anytime we hear mention of someone buying a house.  Josh and his team were always a step ahead of the game and a calm sane voice throughout the process.  Josh seems to know all of the options and what is required.  He walked us through the whole process and was in contact throughout always making himself available to answer questions and explore all the options.

We did not have an overall great experience with the process of selling our home and purchasing another, but that was the result of nearly every other party in the process.  Josh and his team did an excellent job adapting to the challenges and developing solutions to get us to close on time and within our budget.  We will continue to recommend Josh for those looking to finance the purchase of a home.

Thanks for you help and hard work.

John Erdmann - Holladay, UT

My experience with Josh and company was AWESOME.

 

Merlin & Sherry Nicholes - Draper UT

Working with you guys was great.  I have no complaints at all and love how you were all willing to go above and beyond to help me out.  I would recommend the team to my family and friends.  If I hear of anyone who is looking I will for sure refer them to you all.  Thanks again for everything and loving the house.

Andralyn Oliver - Salt Lake City, UT

I put an offer on a short sale home the last week of May. We received notice that they accepted the offer and we had less than one month to close a FHA loan. Josh's team worked very hard on closing everything and it seemed they were working on all cylinders. It was like a machine where if each part worked properly and worked with each other it turned out to be a beautiful machine... haha... that is a lame example but that is truly how it seemed.

Justin & Chelsea Embry - Clearfield UT

Our experience working with Josh and his team to get our first home loan was a great experience. It was easier than I had anticipated and there were no surprises. They let us know if anything came up or changes that had occurred to our loan. I felt like there kept me informed and updated on our loan throughout the entire process. It was a pleasure working with such a professional and friendly team. Thank you for all your help with purchasing our first home and we will definitely be referring you to our friends that are looking at buying homes.

Zach & Chelsea Geertsen - Riverton, UT

Josh's email signature says "no surprises," and he certainly lived up to this billing.  My deal had the potential to be fairly complicated; and there were a couple of curveballs during the process.  However, I found Josh's understanding of the situation, and straightforward manner of presenting things, to be very refreshing.

The ultimate proof is in the pudding --I triple-checked every figure leading up to, and including, the close.  In every case the numbers balanced perfectly; and there were, indeed, no surprises.

I would have no hesitation recommending Josh to others, and will certainly do so when the situation allows.

Chris Anderson - President of HandStands - Alpine, UT

I really wish you could see the happiness in the face of my family. How grateful we are to Josh for all the time and dedication you put into the loan and for making my family dream a reality. Thank you again my dear friends.

Rocio Moderno - South Jordan, UT

Thanks SO much Josh. We really enjoyed working with you and your team and were very impressed with our experience. Michelle at Bonneville Superior Title (and our realtor) had a lot of good things to say about David and they were both very impressed as well. Thanks for all your hard work. We’re so happy we used your services and we’re very excited to get the keys on Monday!

Angie & Jacob Rice - West Jordan, UT

Hi David, I just want to let you know that my experience with Josh and his entire team was excellent.  I was referred to Josh by my real estate agent and could not be more pleased with her recommendation.  From start to finish the team was very professional, easy to contact, very helpful with any and all questions and concerns.  I liked the way Josh made sure there were never any surprises!  I always felt confident in his answers and advice.  I also felt equally confident in your advice as well.  Mandy was also very helpful and professional.  I will be sure to recommend your company to anyone that needs a mortgage lender.  Thank you,

Martin & Stacey Segura - Murray, UT

Regarding our mortgage experience with Josh Mettle and his team; I must say that the communication was exemplary.  Any questions we had were answered immediately and completely.  I believe that you can tell more about a person or a company by how they handle things that don't go quite as planned than when all goes well.  We will certainly recommend you to friends who may need your services.

Brett & Barbara Baird - Riverton UT

Thank you! Thank you, including everyone on your team for making things get done so fast. Couldn't ask for a better person for the right Job! You're the man Josh!

Brad Winchester - Salt Lake City, UT

We were very pleased with the prompt attention and help you gave to us in refinancing our home loan. We were always able to get in touch with Josh or David with any questions and were able to receive answers to questions very quickly. It was a pleasure to work with you.
We don't know of any one in need of your services at this time. Thanks for your help. We really appreciate it.

Ja & Bernie Eggett - Lindon UT

I want to thank Josh and his team especially David and Mandy for their excellent work and patience with us in getting our home loan.  They worked hard and fast to get us in our home early and were always available to answer our questions during the process of buying our first home.

Thanks again for everything,
Eric

We don't have any referrals for you yet but we will be sure to mention you to our friends who will be looking for a home in the future.

Eric Lauritzen - Salt Lake City, UT

In the refi on our home you were very helpful and very fast at getting things done. They where great the first time on the purchase our home, but they did an excellent job this time. I will refer your company to other people.

Zane & Betty Bixby - Salt Lake City UT

My name is Ken Nelson and I moved from Dallas to Salt Lake City in August of 2011 to start a new job.    Prior to August 2011 I had never stepped foot in the state of Utah.   I received Josh Mettle’s name through my real estate agent, Cindy Wood.    We were going to relocate to Utah and we were looking for our dream house.  My family came up to visit during Thanksgiving week 2011.   We basically had one week to find a house that my wife Angela and I could agree on.    Within 24 hours of my family being in town we came across a short sale that had just come on the market.   We loved the house which was located on the bench in Draper, UT.    The Draper house, which had spectacular views of the city and the mountains, had gone for $880,000 in 2008.   We could have the house for $440,000 if we could close within 9 days.    Completing a short sale in 9 days is no small task.   This is where Josh and his team stepped up to the task.   Josh had advised me to get pre-approved for a loan one week earlier (which proved critical).   Josh got everyone on the same page (real estate agent, title person, appraiser, inspector, etc).   If we did not close in 9 days, we would lose the house.   Josh got the deal done in 9 days which most folks thought would be impossible.   Josh will work tirelessly help you get your dream house.   To summarize, Josh Mettle and the rest of his team (including David Nelson) are AWESOME !

Ken & Angela Nelson - Draper UT

Working with Josh and his team was overall a good experience.  Josh and his team were able to do something that everyone else had told us was impossible!  With such a short time frame to get things done in, and with our not so cookie cutter loan situation We were very happy to be told that things were going to work out, as we were able to purchase our home, and move in before the holidays.

Lacey & Seth Paxman - Lehi UT

In short, our experience was awesome.  Josh and his team were friendly, knowledgeable, responsive, and patient.  Josh walked us through a very thorough pre-approval process, and promptly answered my numerous questions about all the options available to us. He even made a couple of recommendations about how to improve our credit. When we did find a home just before the birth of our son, he went above and beyond and arranged to move the closing to the hospital, and also sent a huge gift basket. Amazing!

Carrie & Will Johanson - Salt Lake City, UT

We had a very helpful and positive experience with Josh and his team. We found them very responsive and helped us see multiple options for our situation. We had been to another mortgage service provider prior and felt a bit like we were put on the assembly line, getting the "usual package." Josh spent time thinking through our individual situation and we talked about what the advantages and disadvantages were, for both short and long-term, of a few different ways of approaching our refinance. This helped us have confidence in the direction we were going and we are very happy with our new loan.

Have already given his name to one of our neighbors.

Dr. Mark D Scholl - Salt Lake City, Utah

The thing I love most about Josh is his "can do" mentality...that comes in handy for someone like me that needed a unique kind of loan. His team was great too. I will refer anyone I know who is considering a loan to Josh and his team :).

Lee Ann McConnell - Salt Lake City, Utah

Thank you David! You have all been great to work with and I’d recommend you to anyone I know. :)

Tina Kolkebeck - Sandy, Utah

We had an excellent experience with Drake from start to finish and would highly recommend him to anyone! We appreciated his expertise and professionalism. He and his team always responded in a timely manner to phone calls and emails.

Nanette S. Wilde

Jonathan and Nanette Wilde - Holladay, Utah

I would like to extend my gratitude and give a very special thanks to you and your team. I want to thank you for all the hard work and effort that was put into helping me obtain a loan. Being a repeat customer I was sure that you would live up to all my expectations, And you did just that! We are very pleased with our new home and I hope that we will be able to do business again in the future!

Ben Green - Herriman, Utah

Josh and team were great! I emailed Josh initially to see if there was a loan product with 100% financing as we were looking to buy and own a home without a large downpayment. He let me know exactly what I needed to do to apply and qualify for the loan including doing a rapid rescore on my credit to boost it to the appropriate score for Utah Housing.

The pre-approval process was easy and fast and we were out looking at homes shortly after. When we found the house we wanted and made an offer, Josh was clear that he would do everything he could to finance the house by our deadline dates in the purchase contract.

Josh and his team assisted me with any questions I had and helped my wife and I complete our first home purchase very smoothly. I will recommend Josh and his team to all of my friends/family that are looking to buy a home int he future.

Thanks for everything,

Todd Johnson

Todd Johnson - Salt Lake City, Utah

I would like to give a huge thank you to Josh Mettle and his team for getting me and my family into the perfect home!  I recently purchased my first home in Draper for my wife and 2 daughters and closed just 2 weeks ago.  I was referred to Josh by my sister-in-law who said that he would take good care of us and that is exactly what he and his team did.  From the first call to the last call Josh and his staff were very professional, polite & timely on keeping me informed throughout the process of the loan.  I heard that underwriting can be stressful and lengthy but I didn't experience that at all with Josh and his team.

They did a fantastic job and I highly recommend them to anyone considering to purchase a home!

Thanks from the Halls

Brian Hall - Draper, Utah

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