A Reverse Mortgage is a special type of loan that enables individual 62 or older to convert some of their home's equity into tax-free cash.
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The home purchase process is time consuming, exhausting yet extremely rewarding and worth the process.Luis was our loan officer and he was extremely knowledgeable and helpful through. Finally making the necessary sacrifices to be able to purchase a home will have a lasting positive effect on the lives of my family. If I did’nt have Luis there every step of the way I am not sure if I would have followed threw. Thank you Luis and Affordable Financial Services LTD!
Luis at Affordable is amazing!
Brian was extremely helpful and explained the mortgage process thoroughly as we were going through it. We were on a time crunch and Brian worked hard to get our mortgage through in a timely manner.
Extremely helpful and thorough!!
We had a great experience working with Brian and his team. They were always available for any questions we had and guided us in the right direction. Brian projects a caring attitude toward his clients and we always felt like we were the most important. We would highly recommend Brian to anyone seeking to purchase a home.
Brian and his team are great!
“Brian Leibowitz is a MACHINE. He has handled my financing for both of the homes that I own, and a refinancing on the first home I purchased.For my first home, he was able to transfer me out of a loan that had pmi locked into it, and obtain the market low rate (3.85%), which was almost a 2% interest rate drop. Although this sounds like something any mortgage financing company could do, it was most certainly not.
Said loan was with Bank of America, who purchased the loan from Countrywide, and was initiated just prior to the 2008 subprime mortgage crash. Under threat of losing my business, Bank of America was unable to refinance my loan in 2011, and have the pmi removed, even though my property was one of the few that had appreciated post market crash.
Hence, Bank of America lost my business, and my business relationship and trust strengthened with Brian. He came through on what Bank of America could not. He made it happen!
For the second home I purchased, in August of 2016, Brian identified a lien that posted to my credit, after my initial credit report run. The lien was an error that occurred because of a condominium board settlement agreement that had been filed incorrectly. This negatively impacted my credit due to my position as the treasurer for the condominium board. The negative impact brought my credit score from 811 to 708.
As you can imagine, I was enraged and panicked. Said negative impact brought my interest rate, on a jumbo loan with 20% down, from 3.75% to 4.75%, which was a full commission point (a lot of $), one month before my closing.
Brian immediately took action with said issue, utilizing the credit repair team that he keeps on monthly retainer, and walking me through the steps I needed to take to have the lien removed. This included being on speaker phone with me, while I was in the chambers of the judge who initiated the lien, detailing the information that was needed to repair my credit with the three major credit bureaus. The end result was the repair of my credit to 809, just before my closing at 3.75%.
I can not imagine another human being working harder than Brian Leibowitz did for me, on multiple occasions. I am a professional Orthopedic Medical Sales Consultant, and strong customer service is critical to my business success. So, I know how to recognize someone who is willing to go above and beyond the call of duty, as Brian did.
Anyone can work hard on one given day, it takes a professional to work hard every day, which is how Brian Leibowitz operates. That is why I strongly recommend that you use him for your home purchasing needs.”
Stephen R. Bernous, Manhasset, NY
Brian Leibowitz made the application process as simple as possible. Aside from one initial quirk which was immediately rectified. Always ready to provide an update and explanations pertaining to items I did not understand. I would recommend Affordable Financial Services LTD, they are user friendly, takes the research out of my hands.
Allan & Betty Ahner Medford, NY
Thank you for all of your help, this has indeed been some experience for me. I have been encouraging all of my brothers and sisters to make smart choices financially now, so when the time comes the process is a bit more enjoyable. You will never know the contributions that you have made to our lives, this isn’t just a house we have made it our home already and it has been in the family for over 60 years. So it was important for me to pass it down to my children as well.
Aaron & Simone Owens Brooklyn, NY
Attentive and knowledgeable. Walked us through the whole house buying process and answered all our questions along the way. Customer care was top notch.
Robyn Crosby Bellmore, NY
Thank you for being professional, patient, friendly and helpful throughout this loan process. You have made the loan easiest of all home buying requirements. Thank you.
Margaret Jarocki- New York
Straight forward, rate was good, time factor was great in relation to closing date. I have had 2 other companies fail me but I loved the service here and it was a smooth process. What else can I say but to say thank you, best deal ever.
Bumi Adekunle – Fairburn, GA
Excellent and very informative, made the transactions easy to understand
Lorenzo Espinal – Mastic Beach, NY