Scott,
I want to thank you for your good work in guiding me through the process of refinancing my mortgage. I felt that I was well served, well informed, and kept up to date on the rates and the best way to proceed. In the end, I got a very good rate, closed quickly after approval and am very pleased with the result.
Again, thank you.
Thanks, Tom West
Scott,
We couldn’t be happier to be in our home! You and Donna took the worrying out! We are so thankful for the hard work and advice from you, I will refer anyone I come in contact with!
Thanks again!!
Jake and Sarah Martin
Hi Scott and Donna,
Closing went very smoothly yesterday. I just wanted to send a note thanking you both for your great service.
Bill Medley
We recently refinanced our house and got a fantastic rate thanks to Terry Brunner’s hard work. He is truly a pleasure to work with and he expedited the process with great ease and efficiency. All I can say is that Terry is a great person and a real asset to your organization. I hope you appreciate Terry’s hard work as much as my husband and I do. He is just brilliant at paperwork and we could not be happier!
With gratitude and warm thanks!
Sheila and Mike Walker.
Scott,
I want to thank you for your good work in guiding me through the process of refinancing my mortgage. I felt that I was well served, well informed, and kept up to date on the rates and the best way to proceed. ?In the end, I got a very good rate, closed quickly after approval and am very pleased with the result. ?Again, thank you. ?Thanks, ?Tom West Scott,?We couldn’t be happier to be in our home! You and Donna took the worrying out! We are so thankful for the hard work and advice from you, I will refer anyone I come in contact with! Thanks again!!?Jake and Sarah Martin Hi Scott and Donna,Closing went very smoothly yesterday. I just wanted to send a note thanking you both for your great service.?Bill Medley We recently refinanced our house and got a fantastic rate thanks to Terry Brunner’s hard work. He is truly a pleasure to work with and he expedited the process with great ease and efficiency. All I can say is that Terry is a great person and a real asset to your organization. I hope you appreciate Terry’s hard work as much as my husband and I do. He is just brilliant at paperwork and we could not be happier! With gratitude and warm thanks!Sheila and Mike Walker.
Scott,
Our closing, last week went smoothly. No surprises. Working with Horizon Financial was a pleasure, especially for two people who have always worked through a local bank. You and Leigh Anne were so helpful and the process was handled efficiently and quickly. You can be sure that, when we need mortgage services again. we will come to you, first. Thank you.
- Boyd and Margaret Cook
Scott,
We want to thank you, too, for the quick and professional processing of our refinance, and the address stamp that we received in the mail was very thoughtful and much appreciated. We hope 2010 will be a blessed year for Horizon Financial and your family.
- Viki
Scott & Donna,
I wanted to thank you for the quick close on my loan. It appears I got in near the bottom (4.5%). I appreciate all your help. Hope you and your family had a great xmas.
- smb
Scott,
Thanks for the note – - and thank you for all your help on my recent refinance. The fact that I came back to Horizon Financial is testimony in itself to the outstanding service provided by you and your team, however I wanted to add a specific note about the extra care and patience you all demonstrate for new homeowners like me. From the initial purchase of my home to the recent refinance you have always been available to answer every little question, calm every fear, and guide me through the process with patience and knowledge. You will always be my first reference for anyone in need of similar services and I look forward to working with you again on our next home purchase.
- Chasity Gonzalez
Scott,
Thank you for all of your help in my refinance. This was the second time that you have helped me. Although I do not ever plan to refinance again, if I did I certainly would call upon you and your dedicated, capable staff. You are not only professional but very knowledgeable. However, your most important attribute is that you really care about your clients
Keep up the outstanding work!
- Jerry
Scott,
I just wanted to say Thanks! You and your office are the best!
- Chris Gallimore
Hi Scott, Donna and LeighAnn,
Just want to say thanks for the smooth transition during refinancing my house in Myrtle Beach. After shopping around for six months and talked to many representatives from various financial institutions, I was very impressed by Scott who made honest recommendation and best rate available. I am saving $200 dollars a month from 6.375 to 5.125, with no point and only paid $3,600 (including several months of escrow) at closing. I will definitely recommend your company to my friends if they need refinance.
- Fang Ju Lin, Coastal Carolina University, SC
Scott,
THANK YOU! I know this was a little more challenging than some and I appreciate your attention to it. Chats and Rukmal were very excited at closing buying their first home! It made the whole process worthwhile. Again thanks for all you did!
- Jane
I want to thank you for helping me in my recent refinance. Three years ago you made my dream of owning a home come true. Now you’ve made it possible for me to keep that dream alive with the re-fi. I am truly grateful for your help, knowledge and most importantly, patience in addressing all my questions and concerns. I will continue to refer family and friends to Horizon, and will certainly come back for all my future needs. My most heartfelt thanks to you and all of your staff for making this very stressful experience so much easier!
- Christy R
Scott,
I spoke with Leighann and she was great as always. Turned out that my documentation had not been scanned yet and before she could find it, I found a way to get my employer send me an electronic replacement for the W-2 I was missing. Nothing like waiting to the last minute, but taxes are something I do not like to do – even if I get a refund, I dislike the process and the day every year. My problem this time was allowing some of the paper work to get out of place during the whole move thing.
I appreciate your help with what was a perfectly smooth and very fast close on our mortgage. We love the new house and neighborhood. The whole family is happy about it. You have a big time winner in Leighann, but I am sure you recognize that already. Customer service in all industries seems to be at an all time low and to find people who are still committed to helping is not too common and you guys were excellent. I don’t know of anyone looking for a mortgage but I would strongly recommend you if I did.
- Jamie
Scott,
I want to thank you for all your assistance on my refinancing. I appreciated your e-mail when the rates went down, as well as the product you got for me, which saved us over $600 a month. This is the second refi you arranged for me and I was totally satisfied with the outcome. Donna Duckett was very professional and a pleasure to work with. She made the process very easy. I have recommended you to many of my friends.
- Barbara
I highly recommend Scott Fowler. He was very helpful and patient with us. This was our very first home purchase so we had a lot of questions. He always made himself available to answer them no matter how remedial they must have been. He worked with us around our schedule and made the process very pleasant.
- Jeremy Privett
To Scott and his Team especially Stephanie Hodnett @ Horizon Financial,
It was a pleasure refinancing with you. Very painless experience. Thank you for your patience in answering all my questions, calming my fears and in keeping me informed thru email and phone calls. And thank you for helping me get a lower rate on my house which brought my mortgage payment down! Yee ha!
- Becky Taschetti
Scott Fowler and his team at Horizon Financial consistently prove themselves as a highly professional and ethical mortgage brokerage team. I have had the opportunity to close many of their transactions, and their clients are always well represented and informed. There are no surprises at the closing table! Their advice in a refinance or purchase is something that a client can feel confident about and trust. I always look forward to a transaction in which they are involved in the financing.
- Kevin Phillip Brady, Attorney At Law, Licensed in SC & FL
Scott Fowler and his team successfully guided us through the mortgage process for our first purchase in the US, providing sound advice, responsive service and competitive products – great job!
Cheers, Mark de la Grange
Scott,
Thanks again for providing dependable services for our refinancing. We were able to get this done in the time frame you stated. With the help of your staff, our questions were addressed in a timely manner. Your guidance when I bought this house was a big advantage. When it was time to refinance, there was no question as to whom I would call. I have and will continue to recommend you and your staff to friends and family for future financing needs.
Thanks again,
Barbara and Tom
Scott and Donna,
Monica and I would like to thank you for your assistance in our home buying process. Your knowledge, patience and guidance was greatly appreciated. You made the process easy to understand and handle. Thank You! Matt & Monica Critell
Scott,
I wish to thank you & your staff, especially Stephanie Hodnett, for the wonderful experience & professionalism i encountered during the processing & completion of my recent re-finance!
The very fact that I’m repeat customer expresses my trust & confidence that Horizon Financial, you & your team are the professionals I choose to do business with!
You truly keep the best interest of your customers at heart as promised during our first meeting & go that extra mile to secure correct mortgage vehicle at the very best rate obtainable.
Thank You –
Sincerely,
Ned C. Ingle, Jr.
Retired Pilot – Eastern
Airlines
Hi Scott,
Mark and I would like to thank you and your staff for making our home buying experience so pleasurable! You all worked so hard to make our dream come true. We anticipated the that process would not be very easy as we were moving to Greenville from another state; but, our experience was anything but difficult – everyone in your office went out of their way to help us and get our closing completed smoothly!
It has been such a pleasure working with your office!
Best regards,
Beth & Mark Harden
I would like to take this time to thank Scott and his staff for making my home mortgage go smoothly. Being a first time home buyer, buying a home from Pennsylvania, all while finishing my last clinical rotations and studying for the pharmacy licensing boards creates a lot of stress. With the knowledge and hard work of Scott’s team the mortgage process was stress free and did not take time away from other actives. I have already recommended friends to use Scott’s team and will continue to do so.
Sean Quinn
Scott’s team is on the ball. Working with any one member of this team makes you feel good. You know they are going to get back to you with answers as soon as possible. Waiting for a rate, credit report or other info doesn’t take forever and it’s all done in a very pleasant ,speedy way. Feel free to call me at 843 263 7524 for more info. This is not a paid commercial. Ed Hroncich
Scott,
I wanted to send you a thank you from Rachel and myself. It has been a pleasure working with you, and appreciate your quick response on questions we had, as well as walking us through everything. We will certainly add some kind words at the hope they can let other people know that it was great to work with your team. We have already emailed LeighAnn and Laura sharing our appreciation, they both bent over backwards for us, especially with all the last minute changes we had to make with closing. Great team, and great service. Thank you!
Chris Blevins
Hi Scott, I would really like to thank you and your exceptional staff for the efficient and patient way you handle my refinance. I was very impressed with the attention that was paid to every detail. It was truly a positive experience — from the quick online application, to the appraisal, and all the way through the closing. I can’t thank you enough for everything you did. Martha Dunn
Scott, I want to thank you for your hard work and all you had to deal with to get my home closed for me. Leighann is a godsend. She worked so hard for me. Thanks so much Leighann, I appreciate you. Scott, thank you for keeping in touch with me through this long process, you never gave up on me. You all were wonderful to work with. Robin Clark
Hi Scott,
Just wanted thank you for your assistance in purchasing our home in Greenville,S.C. As you know, we are from out of state and didn’t know where to find a mortgage company to assist us in the purchase. I looked on the internet and found Horizon Financial in Greenville and gave your office a call. You were there to assist me every step of the way, and honestly, from the first phone call we had, I was confident in your abilities to make this go through. I am very pleased with your services, and of those you employ. Everyone was professional, knowledgeable, and proficient. Thank you again for all that you did. I would highly recommend your company to anyone shopping for a loan, and especially for any out of state buyers that need someone in your area. Thanks Again, Carol Ingalls
Scott, Under the current market conditions and the bank bailout you kept us informed and we were able to secure a good interest rate. The communication we received from you and your staff helped us get through the process quickly. We will definitely recommend you to anyone looking for a mortgage. Otto and Merrilee Hagen
“I recently bought a house in South Charlotte, NC area from Shea homes builder. My closing date was 11/17/2008. I arranged my mortgage loan of around 300K through Horizon Financial and I am very satisfied with their services. Scott Fowler was the person I dealt with. He is very professional and a very nice person. He always keeps you informed about the mortage rates, what is best options available in the market on a given day and etc but thats not it he follows up even after the closing of house to check if you are satisfied or not. He is always there when you need him so to any new home buyers or any one who is considering Re-Financing I really recommend Scott Fowler from Horizon Financial to fullfil all your mortgage loan needs — Kashif Nadeem”
Scott, Renee and I would like to express to you what a great job you did assisting us with our financial needs. You and your team showed great professionalism and expertise. I appreciated the hands on attention that you paid and the step by step knowledge transfer as we progressed through the process. I would recommend your team to anyone who wanted to go through a hassle free, low pressure mortgage loan. Thank you again, Trenton and Renee Blount
Scott, Chuck and I would like to thank you very much for helping us refinance our home although all this was done on the telephone I feel like I know you and I know you are a good man. Everything was handled in a professional way and very quickly. Again, we would like to thank you and recommend you not only to our friends but to everyone we met. God Bless and take care. Friends and clients
Charles and Leita Lopez
Kathy, I am sending this to you because I wanted to introduce Scott Fowler a mortgage broker who I recently used and was the only one who could get me a good rate in these times on a refinancing. He took my information and when a window opened for a 5.5% - 7 year jumbo arm he called me and said we may only have 6 hours so let’s lock it in. We did this and the next day rates went up. He was a pleasure to work with, very professional as well as the people on his team. When I got to the attorney’s office there were no hidden problems. It took around 20 minutes to sign everything and the closing went off smoothly. (I called every bank I have a connection with as well as various mortgage companies and brokers. They said they couldn’t match the rate I got.) If you know of anyone who is in need of a good mortgage broker I highly recommend him. Best regards, Barbara
Scott, Thank you for your wonderful service, your professional staff and for getting us the house of our dreams!!! We LOVE it!! We’re going to tell EVERYONE about you!!! With Gratitude, Joe & Carissa Drauss ps. Thank you so much for the gift of the address stamp! What a GREAT idea!!!
Scott, It was great working with you and Donna Duckett on my recent refinance. I have always used “Big Banks” in the past and found them not very helpful. Your teams performance was great. Looking forward to the next time. Walt and Lois Morris
Refinancing, which I have done many times, is at the very bottom of my list of things that I like to do. However, I must say that working with Scott Fowler at Horizon made an experience that I truly dreaded an experience that was not bad at all. I received a great rate and a hassle free experience in the refinancing process. Scott and his team honored all of their commitments, and my wife and I always felt that they had our best interest at heart. Without any reservations my wife and I highly recommend Scott and his professional team to you for meeting your financial needs. Jery and Barbara Burnside
I had a very good experience working with Scott Fowler team on refinancing of my loan. Scott delivered what he promised. Whenever I had any issues during loan process, he addressed and resolved them quickly. I have grown to trust him and his team. I’d like to use Horizon Financial again as soon as Scott locks me in with a lower rate. His weekly blogs are informative and I enjoy reading them. Jatin Rawal
Scott, My husband and I want to thank you for all of your help and for getting us a good rate in these times. Also, LeighAnn was a pleasure to work with. The closing went very smoothly thanks to her. I have recommended you to quite a number of people and will continue to do so. BRS
Scott,
A big thank you to you and Leighann! Our loan process was flawless and we love our new home! Thanks so much for taking the stress out of the process. We certainly had plenty of other things to worry about! I have a girlfriend looking to relocate to Greenville. Will be sure to pass your into along. Thanks Again, Cindy K. Simpsonville, SC
The Scott Fowler Team at Horizon Financial made the whole mortgage process very easy. They provided me with many different options, some of these options I had never heard before. It just shows you that they include your mortgage into your entire financial situation and make the best decision. I would highly recommend the Scott Fowler Team for anybody looking for a new mortgage or refinancing. J. Sargent Mauldin, SC
Jeff (the CT real estate agent), This guy rocks! He does loans in CT too… we’re using him, my sister used him and you may want to keep his info on file for your clients!! 
http://www.scottfowlerteam.com/index.rad 
Carissa CC: Scott & Page (It’s all about word-of-mouth, right?!)
Scott,
My partner (Terry Stoddard) and I would like to thank you for helping the closing for Tony Bradburn get taken care of so quickly! We appreciate your hard work (as well as the other members of your team, specifically Donna Duckett!) and understand how you had to work in order to get it done in such a quick amount of time. The homeowner is very happy and so are we!
Thank you again and we hope to do business with you in the future!
Stephanie Walker AHO HOMES REALTOR
Scott,
Thanks for everything. Closing went great. Keep in touch and lock us in again if “No Closing Cost 30 yr fixed refi” rate goes to 5.5% or lower. Keep sending your blogs, I read those and they help me understand things better. == JC
“My experience with Horizon Financial and the Scott Fowler Team was excellent. Although I had a complex situation, my loan was handled professionally. They went above and beyond what I expected. I would recommend Horizon to anyone looking to buy a home. I know I will use them for any future home purchases I have.” – Dan Gliatta
Scott, Thanks so much for making my “Refinance” an easy and painless process . You were very responsive to my many questions and concerns and made me feel comfortable throughout the entire process . Being a “Hands on Person” , I appreciated the daily updates and quick turn around time on the entire process – less than three weeks I believe ! Also, it was so refreshing dealing with your team rather than the typical big banks which are so frustrating and non customer focused . Again, thanks and I will pass on my pleasant experience with my North Carolina neighbors ! Yours Truly, Pat Magee
Scott and Terry,
Thank you so much for all the patience and guidance you have given me through this whole process. You have both been so wonderful and made this overwhelming experience a little more bearable. I will send anyone I know your way with confidence. Thank you again, Lauren Green Mauldin, SC
Scott,
I just wanted to leave a quick note to you and staff. You folks did a great job on my refinance and I just want to say many thanks. Jeff Rash Danville, VA
Scott,
I would like to thank you and your team for everything you did to assist us with our recent Mortgage needs. Your professional approach made our experience of finding and purchasing a home very easy. I appreciate the attention that you personally provided to assure that the entire process was handled promptly without any delays. Your team was very courteous and provided us with communication updates that kept us informed of the progress of our loan process as it developed. This was a relief from the usual stress associated with large banking institutions who fail to provide any information during this process. I highly recommend your services to anyone with a mortgage or financial need. They will not find anyone more committed to providing top of the line customer service and satisfaction than you. Thank you, Norris Bolling Simpsonville, S.C.
Scott,
I enjoyed working with you. You and your staff did a good job. Kenny Hale
Hi Scott Thank you for your help. You definately worked hard for us and that is much appreciated. Trust me when I say I do mention to friends I have a good contact for mortgages. Please keep me posted if the rates take another dive. Bob Kyle
We were very pleased with the recent process of getting a mortgage through Scott Fowler. He made the process very simple. He acted very professional any time we dealt with him or his team at Horizon. Thanks, Stephanie
We decided to get out of Florida before it got worse. Greenville seemed like the perfect place for us. We found our dream home in Taylors. Being aware of our unique credit situation, we needed some guidance and assistance. We met with the mortgage team at Horizon Financial who welcomed us, offerred us assurance and worked hard to put us in our dream home. Just a short time later, we closed on our home with a great mortgage! Very special thanks to the great folks at Horizon Financial. Rich and Michele M., Taylors, SC
Hello Scott, Thank you for the great service. I think you know what it means when the stress of financing is relieved because you can trust your Broker. I will pass the word. Best Regards, Phil Greenville, SC
Scott - I just wanted to get back to you and express my deepest appreciation for expertise and financial assistance throughout my latest loan with your company. The entire process was quick and painless. It is always a pleasure to work with professionals. I also wanted to add my appreciation for Donna Duckett’s very professional performance and personalized assistance. Thank you very much and please rest assured that I have and will continue to pass the good word about your organization and your professional service. Respectfully, Delos and Donna Cloud
Thank you. Very satisfied with the service. Also very surprised at how quickly loan was processed and closed. Expected it to be another 2 weeks before closing! We will certainly refer you to anyone we know needing home financing or refinancing. Barbara Holman
Scott and his team were very thorough and helped ensure a smooth closing on my refinance. I certainly had a positive experience and will be sure to recommend his services to others in the future. Sincerely, Lee Stewart High Point, N.C.
Hi Scott: Hope you had a great vacation. The closing went very smoothly. Thanks very much for your efforts. I will be referring you to as many people as I can. I talked about your company at my staff meeting, and three of the people expressed interested. I will forward your information to them. I don’t often make this offer, but I was so impressed with how easy it was and how smoothly things went that I am willing to be a reference for you and your company. Especially when dealing over the internet, it is tough deciding whether or not to deal with a company that you’ve never had business with before. Believe me when I say that many of the other mortgage companies that I got phone calls from tried to convince me that things were too good to be true and that I should go with them instead of you (although their fees were significantly higher). That really turns me off when someone essentially “bad mouths” another company. I would be willing to respond to queries from others who want first-hand experience from someone who has done business with you. If you have someone on the fence that wouldn’t mind a positive word from a customer, I’d be glad to do that. I had a really positive experience doing business with you and I’d be glad to share that experience with others. Regards, Bob Sauers
Scott,
Just wanted to say thanks for all your work. You really helped to make my first home purchase a great experience. Thanks,
Shane Evans Simpsonville, SC
Scott thanks for getting that to me, and thanks again for helping us get into our first home. You came through on everything that you said you would and that’s hard to find these days. Take care. Pete and Charlene ……..Greenville, SC
Dear Scott, I just wanted to take a minute and tell you what a phenomenal job you did in your business presentation yesterday. It was extremely interesting, informative, and valuable to every member there. You differentiated your business from others and you did it in such a professional and value-giving manner. I heard several newer members talking about it after the meeting; even saying that they are definitely going to use you for any of their future financing needs but also that they feel very comfortable in referring you to others. What an example of “an effective business presentation” you set for all of us yesterday! Thank you so much for raising the bar; one thing we all must continually desire for our chapter in all areas. I appreciate you, Val Domagalski
President, Greenville Leaders BNI
Dear Mike, Thanks for keeping me updated. My recent loan went very smoothly, you and your staff did great in providing everything that I needed. Thanks again and if I ever have a need or know someone that needs to refinance or purchase, I will surely recommend you. Ray
Mike Thank you for all the help you gave me and patience you had with me I will definitely pass your name/cards around.
Tracy
Mike …thank you soo much mike for everything that you have done…I will recommend you to anyone that needs your help .thank you sooo much!!!!!!!!!
Julys Eaddy
Mr. Owens, Thank you for such a quick response. I know I speak for us both, when I say my father and I truly value your time and expertise. You’re the type of businessman that others in the industry should model themselves after.
Yes, please keep me in the loop and I hope things continue successfully for you. Take care.
Christian Golding
Mike and Stephanie,
My closing went off yesterday without a hitch. I want to thank you for all you did. I already posted a recommendation on my neighborhood’s Yahoo group and already got a “hit”. Again, thanks for everything and especially for remaining calm with me (I tend to be a bit aggressive at sometimes.) Nice job.
Roger Osborn
Mike,
I will definitely let everyone know how well you treated our family in getting the best rates. I do wish you and your family the best and the same goes here, that if you ever need anything or just want to talk don’t hesitate I consider you a good friend.
John Coffey
Mike,
We are enjoying our new home! Thanks for all you did to make it happen so quickly. I will certainly pass out your cards to anyone I hear of who is in need of a home loan. Our realtor says you were great to work with and did a wonderful job!
Thanks Again,
Sabrina Yelton
Hi Mike
The care & service I received is the best. I will recommend your financing ( have already mentioned your company to 2 parties) to all in the market.
Thanks So Much
Lucian
Thank you, too, Mike.
I was really impressed on how you were able to get my loan through so expeditiously while others appear to struggle. I will keep you in mind.
Lito
To Mike and Leann and anyone who helped,
I want to thank you from the bottom of my heart for what you did for me. I never would have believed that I could of purchased a home. Myself and Julie are so grateful we saw your ad.. So for the future keep using those ads they work!! I want to say words can’t express my gratitude for you and Leann. Both of you were honest and looking out for my benefit every step of the way. It’s hard to believe that there are honest people left in this world but it’s even harder to believe that you are that honest and trustworthy for the job you do. I will proudly recommend you to everyone who asks. I don’t believe that no one else would have done what you did for us the day of the closing. You helped make our dreams come true and you allowed me to give her the house of her dreams and give her the best Christmas and New Years ever. For that I will always be thankful to you both. If you ever need anything simply ask. Thank you again keep doing what you do, there is a lot of people out there that you save from making mistakes and that you help just like me. You guys are great. You and Leann will never know how much you change peoples’ lives. Have a great New Year. Thanks Stephen Pack and Julie Thomas
Thanks Mike, you’re the best. I will surely recommend you if anyone I know is looking to refinance or purchase. Thanks again
Denise Stone 
Neighborhood Preservation
Mike,
I wanted to thank you for helping my parents along as they work on selling and buying a house. I also want to thank you for helping Janice out on her loan, I know she is really excited to move into her new home next week. You are an awesome person and an asset to the Modny family and friends.
Douglas Modny
Dear Mike,
I would also like to say a special Thank you to you also. Your prompt, efficient and professional manner was greatly appreciated. It has been my pleasure to work with you and your team. I can assure you that not only will I keep your name in my roladex, but I will most definitely recommend you to friends and neighbors whenever I have the opportunity. Please extend a Happy Mother’s Day wish to your wife and your mother for me. And may you be blessed with health, love and prosperity.
Warmly,
Betty Tilley
Mike, I thank you very much for giving me good direction. You are very very professional and more than that very unbiased. That is what I like in you. Thank you. Thank you.
Regards,
Sada.
I have gone through a good number of mortgage and refinance settlements in my time but I must say that the one I just concluded with Terry Brunner was hands down the best experience.
Over the past two weeks or so I have had the pleasure of working with Terry and experiencing his absolute professionalism not to mention that he is just plain a really nice person to work with. He kept me completely informed and up-to-date and the efficiency and speed at which this loan closed was outstanding.
If I have need of your company’s services again in the future, I will not hesitate to contact Terry.
Thanks,
Fred Doyle
Thank you Terry for being such a pleasure to work with. As you know, my husband and I started our refinancing process over 4 months ago with a different lender. We ended up switching twice due to the inconsistency and unprofessionalism of the prior lenders which was very frustrating. However, I truly believe everything happens for a reason and as a result of these set-backs, we found you and the outstanding service you provide. The rate we locked in with is better than I even imagined a couple of months ago…it was well worth the wait. I appreciate your hard work, persistence, and efficiency during the entire process. I also greatly appreciate the time you took to clearly explain every detail of every step and you kept me well informed of what was happening. I had complete confidence in you Terry from the first day I spoke with you and you proved yourself to be trustworthy and honest all the way through. You even checked in with us following our closing which is above and beyond. I vote “yes” for giving you a well-deserved bonus! : )
We are 110% satisfied with the outcome of our refinance and will absolutely recommend you to our friends, family and neighbors.
Your friend, Julia Megill
Terry,
I would like to extend a warm “Thank you” for your help in our home purchase process. This was not an easy time to acquire a mortgage (04-09-09). I could not have done this without you and your patience. I appreciate your honesty and your determination throughout the entire process. I know that it would have just been easier to walk away, but instead you pressed on for 2 months and always gave me comfort during my frustrations. I will refer you to anyone buying a home and will definitely obtain your services again if I buy another house. Thank you very much, Terry.
Janna Frasher
Terry,
Your professionalism assuaged our reluctance to deal with someone we never met. Your willingness and ability to explain completely each step in the process, the many telephone conversations, and your concern gained our confidence. We were completely pleased to have you handle our mortgage refinance. Indeed, the trust we placed in you was well justified. We can confidently recommend you to others seeking your service.
Barbara and Doug Grant
I worked with Terry on the refinance of my residence. Even during challenging economic times, he researched all options for my situation. Terry handled all of my questions and informed me of any and all requirements the lender would require from me well in advance. The process was very smooth and I would recommend Terry to anyone who has a need for a home purchase or refinance.
Sincerely,
Tony Quillen
I just wanted to thank Terry Brunner for all his help with our refinance. He was so patient and knowledgeable and the process was so easy. He took the time to explain everything in detail. He was extremely efficient and he followed up on every step of the process. I think from start the finish the process barely took 3 weeks and this included the Thanksgiving holiday. We will look to Terry again if we every need his services and will recommend him to others!
Thanks, Susan Sullivan
Terry, Just a note of thanks for our recent personal home refinance.
In this world of many choices we feel fortunate to have (via web surfing) stumbled across Horizon Financial. I work in the real estate industry and know of many local mortgage companies that were unable to match terms and rates. Typically when we are handling our finances we prefer face to face. Accountability is often trusted because you can actually shake a hand. In this case, convenience, professionalism and focus to detail weighed far better then a face to face. Terry Brunner was our loan officer and handled the process for us better then I’ve often received for our company clients. On-line mortgage services often receive a bad rep, but without hesitation I plan on recommending Horizon Financial and Terry Brunner when ever possible. Charlie and Dee K.
I wanted to tell you what a pleasant experience it was working with Terry Brunner to refinance our home mortgages. I spoke with a number of other brokers who responded to my online inquiry, and chose to work with your company because Terry was professional, listened carefully to our situation and gave us the information we needed to make the right decision. He was patient, not pushy like many others. Working with Terry was like having a friend in the business. Ultimately he got us a great rate, and the transaction was completed and closed in less than 3 weeks.
Thank you,
Debbie and Rick
Terry,
It was a pleasure working with you on getting the refinance pushed through in a short amount of time. The low-pressure atmosphere you provided was a welcome break from an otherwise stressful process.
Also, Terry, what was most important was your willingness to provide the estimates in a timely manner – this enabled me to make an informed decision in short order.
Thanks,
Chris Pozsgai
Hi Terry,
Thank you! I appreciate all your help with my refinancing. This has to be one of the best experiences I have ever had with refinancing and closing a loan. Everything turned out better than expected and I couldn’t wish for anything more. It was a pleasure to work with you & I will give your name and company to everyone I know that I know that is looking to refinance. That is the least I can do. Thanks again for all your help!
Kerri
Thank you Terry. This was about the quickest and easiest refi we have ever done, and of the many companies we talked to, we got the best rate and cost combination from yours, as well as the most responsive service.
MS
Hi Terry: Thanks for helping me find a good rate and making it so easy for me to refinance. I had looked in several areas to find a good rate and that led to many phone calls and e-mails wanting to make me a loan but not offering anything better than I already had. But you didn’t call until you found the rate I was looking for and then you handled it with efficiency. Now it is closed and I am 1% lower than a year ago and will pay off the loan sooner. Thanks for your help.
Regards,
Art
I just wanted to take a few minutes to thank you and your team for helping me through the refinancing of my home mortgage. Terry Brunner was a pleasure to work with and did an outstanding job of finding the best rates possible for me. Terry was able to find me a rate that beat four other quotes from large mortgage lenders who do a lot of national advertising.
Terry was very professional, did what he said he would do and when he said it would be done. I like someone that delivers as promised like Terry.
The closing went flawlessly with the closing attorney. I am just really impressed with Horizon and the staff of professionals you have there. I intend to recommend you and your team to all my friends.
Thank you so much !!
Sam Sullivan
Greenville, S.C.
Hi Scott, our experience with Terry Brunner was very satisfying. He was knowledgeable and very
accommodating to our needs. I certainly would recommend Horizon Finance to anyone who wanted to refinance. I would also like to add that it was expedited quickly and efficiently.
Sincerely,
ACC
My sincere thanks to Horizon Financial and Terry Brunner! We have re-financed in the past and were a little hesitant to do it again because it has proven to be such a daunting task. Not so this time. Terry Brunner is very knowledgeable concerning re-financing and he taught me a lot during this process. Plus, the closing could not have been easier. Stephanie came right to the house and was a delight. If we are in need of this type of service in the future Terry will be our first call. We have also recommended Horizon Financial to several people talking about re-financing. We wish you well and thanks again!
Steve & Shirley McGee
Dear Mr. Fowler, I wish to let you know about the outstanding service I received from Terry Brunner who recently arranged for my mortgage on a $874,000 house. He was unfailingly responsive and knowledgeable about the loan. I wish all mortgage brokers were as efficient as Terry was. He also was very adept at interpersonal relations, particularly in fending off a hyper realtor that I had hired. I was very impressed with the service Terry gave both myself and my husband. Because of Terry, the loan went through smoothly and I am extremely grateful for all of his hard work and his persistence at following up with me. All I can say is how grateful I am that Terry was there to give me such outstanding service at a very crucial point in buying my house. I hope that you recognize Terry for all of his hard work and dedication. Sincerely, Sheila K. Walker
It is my pleasure to write to you about the excellent work that Terry Brunner did in facilitating the purchase of my new home. Terry was professional, efficient, knowledgeable and helpful to me during the entire process, from beginning to end. He kept me informed of the progress of my mortgage, explained clearly every step of the way, and made sure that my mortgage was the best rate available. Even during my closing, when a minor issue arose, Terry was able to troubleshoot and respond quickly to resolve the problem.
I would highly recommend Terry, as well as the others in the Scott Fowler team who worked on my mortgage. Thank you so much for fantastic service – it was truly a pleasure working with Terry and your group.
With best regards,
Andrea J. Bhatt.
I wanted to thank the Horizon Financial Group, and especially
Terry Brunner for the positive experience we had while refinancing our
home. I originally went on the internet to find best refinance rates.
I was contacted by several lending agencies but none were as
professional as Horizon Financial. I appreciate having an agent who
listened to my needs and answered my questions at any time. I am
confident that I got the best interest rate available and that closing
costs were minimum. The loan officers at my bank reviewed the Good
Faith Estimates given to me by Horizon Financial and claimed that they
could not charge anything lower for a refinance. I am very satisfied
with the service provided to me during this process. I had easy access
to Mr. Brunner when I had a question. Most importantly, my loan was
processed in a timely manner. Thank you Horizon Financial. I will
recommend you to everyone I know who is serious about refinancing or
taking out a home loan.
Sincerely,
Allison Aiken, EdD
After dealing with a couple of used car salesmen pretending to be mortgage lenders, it was a pleasure to find Horizon Financial. Terry Brunner and I worked together over a three week period and he put together a fantastic deal for me. His professional and straight forward attitude made me feel comfortable during a time that could have been very stressful. Thanks for all your help Terry.
John J. Ennis
I would like to say that Terry, our loan refinancing officer, worked hard to secure the best deal for us and in doing so secured our business. He was professional and patient, answering all our questions and anticipating many as we knew little about the process going in. We are very pleased with all aspects of the deal we got and would not hesitate to recommend him to anyone. When closing on our new loan there were no surprises but plenty of pleasure knowing that all of our goals had been met. We reduced our monthly payments by over $200 while saving money on the financing of our home even with the anticipated closing costs.
Thank you, Terry.
Michael and Celina Knez
Dear Terry,
You did an excellent job with our refinance of our home. You kept us abreast of all the steps in the process, and shared information promptly through email and phone calls. Thank you for working so hard to ensure that we would have the best rate and close in a timely fashion. I would recommend you again and again! Thanks for everything! Gail Kirby
I will start with Thanks for your continued persistence and willingness to listen and understand what I was trying to accomplish. You were always willing to give me time to think about what we discussed and were consistent in what you had to offer and timely with your follow-up. Truly a professional that cares about the client more than just making a dollar and closing a loan. I will certainly continue to use your services in the future and will direct others to seek your services as well. Most of all you closed the deal on a refinance for what will probably be the lowest possible interest rates we may ever see in the next 20yrs. Had it not been for your understanding and follow-up I would have probably missed that opportunity. Thanks again…..
Lee Matthews
Terry – I would be happy to provide feedback on the process. In this online world and phone world, I think there is a certain sense of apprehension from the start. I have been very happy with our line of communication and have never felt that I was left “wondering”. I’ve enjoyed working with you as well! I’m glad to have this re-finance behind me. It certainly gives me a sense of comfort to know I have a very affordable house note that isn’t going to change. Enjoy your weekend.
Dawn
Terry
Recently, you asked me to send comments about our experience dealing with you and Horizon.
It is difficult to put into just a few words how lucky I am to have found you and your company.
I am very grateful for the excellent service, and patience, and humor that you showed in finishing a lengthy process.
I will recommend you any time I can
Sincerely,
Richard Goldin
David,
I just wanted to take an opportunity to thank you for all the work you have done with us. You have made it possible for us to achieve one of our dreams and I am grateful for all you have done to assist us. I know it was not easy with my recent deployments, but you worked wonders. I appreciate the way you picked up with Amie and carried on making her feel comfortable with all she had to do. Whatever questions we had about the process, you not only answered them, but answered them in a way that we could understand. The support you showed truly shows me that there are people like yourself that care for what they are doing and the people they are supporting. With the unique challenges that you faced with us, you made the process of getting a new house as painless as possible. I am looking forward to returning home to our new house. Again, thanks for all you have done. Sincerely, Jim Griffith..Camp Fallujah, Iraq
David,
I would like to thank you for being the most straight forward person, honest, sincere person I have talked to. I will keep your info if needed in the future. Lana j. Thomas
David,
Dave and I want to thank you for all the time & effort you put into getting a lender to rewrite our mortgage. We know it was a monumental task and we want you to know how much we appreciated it. You’re a good man, David Pruitt. Dave & Gretchen Smith
David,
A note of thanks for your help with refinancing my house. I had been praying for several months because I knew this had to be done within a year. God never fails. He used Cliff ( and his computer ) to find you. If I seemed a little anxious the last few days forgive me!~ Gold bless you, your family and your business. Love in Christ, Ann Merritt
P.S. – look forward to your help in the future.
David and Donna,
I think I owe you guys the thank you. They closed last night and they are all moved in. Believe me when I tell you from Joe, Sr. and I both – THANK YOU for your continued efforts to get this through. Cheryl Meyer
David,
I would like to Thank you for all your help. There are NO ways I think you could improve. I have no complaints whatsoever! I will surely be calling you in the future when I do refinance. You have surely earned my business! In the future if I come across anyone looking to purchase or refinance, you will be the first one I recommend. We came across quite a few situations, and you knew how to handle every one of them, and if you didn’t you found a way! There is NOONE else I would have wanted to work with in all the situations we ran into. I am so glad things did not work out with the other place, because I know he would not have got us through it the way you did. Thanks again for all your hard work! Best of luck in 2006. Talk to you soon.
Stephanie Coble
David,
This is my text about you to a friend at Lockheed.
Skipper, David has done 2 loan transactions for me, and I was pleased with both. Put his name and phone number in your to call list for Loans/mortgages, and give to your colleagues if asked if you know of a loan source or such. Give David an opportunity to tell you what he can or cannot do. I can assure you that whatever he tells you is what you can expect. No surprises. If one doesn’t like, no harm done, and no obligation. Would appreciate mentioning my name, but it isn’t a requirement. Mitch Howard
David,
Thanks for all your hard work to make this refinancing possible! I know it’s your job, but you sure make it seem like you’re doing a friend a favor. God bless! Jean Wright
Thank YOU David, for all of your hard work! We will definitely refer you to any and all who need your assistance…. Thanks again, Kelly & John
David,
Thanks for all of your help. The home will start to come together this weekend. I have a lot of hard work ahead. Of course, I look forward to working with you more in the future. I will be in touch soon. Kris
