Michael was always available to answer questions and he explained things very thoroughly.

He was extremely helpful and kind! He made the process super easy!

He was very attentive and knowledgeable about his job. He responded to emails quickly and was always kind, courteous and professional.

This young man has gone above and beyond in his helping me, very informative in the process

He was very helpful and made the process easy.

Friendly and knows how to treat his customers well! Very knowledgeable person. Thank you for a fast and easy experience.

He is very persistent. I changed my mind multiple times but he worked overtime to get me to not loose me as a Newrez customer and got me a rate that was competitive.

Very helpful, and friendly and always available when you have questions and very professional, Michael is down earth person thanks for all your help

Very complete and timely

Na

Answered all my questions in a timely manner. Great people to work with. They kept me well informe!

Both Michael and Brandon made the experience great. The amount of paperwork that kept being required and the amount of time it took the under to process things was not ideal.

Mr. Michael Ferber is absolutely amazing! He literally held my hand and spoon fed me through this entire process. It was something very new and I was inexperienced on the information. Michael was truly kind and patient and allowed me to ask as many questions as needed for my level of comfortability. From my family to yours Micheal comes highly recommended!

Michael Raymond Ferber is nice, honest and hard working. Liked working with him.

The whole mortgage process was excellent. I cannot say enough about how pleased my wife and I were with the communication and help we received from Mr. Ferber. I would strongly recommend EMM Loans and especially Michael Ferber to anyone we know that is looking for a mortgage.

Michael was excellent guiding us through the loan process. We were able to close quickly as discussed. He did a great job, updating us with calls on important steps. Also, providing the Emmloan portal to see the progression of each phase to loan completion. Michael has a great since of humor, and very knowledgeable. My favorite part was "What questions do you have". Thank you, Michael it was nice doing business with you.

Based on an experience with another mortgage company, I really did not think I'd be able to refinance at this time. I called due to the way your program was marketed and shared with Michael up front that I wasn't confident the deal would go through. But Michael was, and he found a way around the problem that caused the other broker to give up. Thank you, Michael, for your help!

Michael Ferber is a true professional. He listened to my questions and comments and gave appropriate feedback. He is patient, kind, understanding, and friendly. He is a gentleman and an exceptional asset to the EMMloans team. I couldn't thank him enough for making the process so smooth.

In the beginning I had trouble getting Michael to understand that my goal was the lowest possible rate with a 15 year loan. He wanted to put me in a 20 year loan. But once we got past that we were able to proceed. There were hiccups, such as an accidental incorrect phone number on the application delayed the home appraisal by about a week and 1/2, underwriting asked for a couple of different documents that they already had somewhere, and at the end, underwriting needed to change my monthly income from my IRA and get new documentation for that before signing off. Having said all that, without Michael Ferber, this loan would not have happened. He is the first agent to help me find a way to have income so the refi would go through. I didn't know I could qualify with income from my own IRA and NO ONE else has ever come up with the idea. I actually asked an agent in the past, "You mean if I had a million dollars in a brokerage account I still couldn't refinance my place if I didn't have income?" And he said "That's right!" End of story. So I am left wondering how they are in a business that they don't really know. Anyway, whenever I needed to send in documentation and I was technically challenged, Michael gave me different alternatives to get it done (my printer doesn't work). So I would absolutely recommend Michael Ferber to anyone who needed a loan or to refinance an existing loan and right now, he's the ONLY person I would recommend.

I have enjoyed working with Michael Ferber. He has been very professional each time I've used him for my mortgage needs.

Michael was very helpful and professional from start to finish. Very pleased with his dedication as well.

Michael was always available to me at all times. I had his cell phone and work number. It never took more than 5 minutes to get a response from him. Michael made it very easy for me to go through the process of getting my mortgage refinance. Michael was the only loan officer I had found that actually cared about getting me refinanced and actually went through all the steps to actually make it come to a reality. I truly appreciate everything he has done for me and my family. He saved my household over $600 month in payments. I will highly recommend Michael to anyone I now who is looking for a mortgage or refinance. He is a very hard worker. Thank you Michael Ferber and EMM loans!!

At the beginning of my conversation with Mr. Ferber, I explained that I was frustrated by not getting other companies to work with me to refinance my home and he immediately told me that he was pretty sure he could help. After looking at my situation in no time he was able to tell me that EMMLoans would be able to help me. I was estatic. Mr. Ferber was very professional when I asked questions about the process of the loan. I would contact him more than once a day to make sure that my paperwork was received and to ask for explanation on certain documentation. He never hesitated to give me explanation that was satisfactory to me. I could not have asked for a better person to work with because I thought all hope of refinancing was lost. He is to be commended for having great patience and his knowledge of processing a loan was extremely satisfactory. Because I was able to work with Mr. Ferber, my closing date was a surprise and I believe it was because of his guidance, I was able to forward all documentation in a timely fashion. I highly commend Mr. Ferber for helping me and he is a great asset to your company.

Michael Ferber did an outstanding job from the start of the process to the end of the process. I was impressed with his knowledge, he was great at calling you along the way and explaining the next steps. I was also impressed with Michael Ferber, because he did what he said he would do in all instances. Very professional, articulate and great customer service from him. He is a valuable asset to your company. I would seek Michael out again if I ever have a need for home mortgage assistance in the future. I appreciate what he was able to get done for me. Thank You!

Mr. Michael Ferber was very knowledgeable and patient with me during the process. I really did not understand a whole lot going into the refinance and felt a lot of anxiety because I had a horrible prior experience with trying to refinance, so I started the process off already with fear of losing money. Mr. Ferber walked me through it and probably explained things more than once LOL and stayed very understanding and patient with me. I am happy with the outcome and feel confidant that I chose the right person to do business with.

During the refinancing process Michael consistently asked if I had questions When I did he provided appropriate responses Michael kept me going, I doubt if I'd have completed the process if Michael hadn't been encouraging and nudging me along

Thank you for the help on refinancing I was hoping the rate of interest was lower but thanks again

Michael was very helpful from the first time we talked all the way through the closing. If he didn't answer the phone when I called he sent a text to notify me when he'd return my call and was very punctual.

Great to work with always available to answer questions

Michael Ferber was great to work with, and he made everything easy! Working with Mr. Ferber was a great experience. Working with EMM Loans was great! They have a great team! I want to thank everyone involved for all they done for me and my family!

Michael was very professional, very thorough and efficient at providing me with information I needed to complete the refinance loan application. He was very specific in describing to me what documents were required for the underwriters to review. Everything was processed in a timely way. His assistant Bianca Yelez provided me with prepaid UPS self address envelopes to efficiently and timely get document information back to EMM Loans LLC. Thanks for your good service, I am a satisfied customer!

Michael had my interest at heart at first conversation told him what i needed done and why from that point on everything to me seamed to fall in place because of his expert handling of the loan process you want this man in your corner cant say enough about his ability

2nd time we financed with emortgage and with Michael Ferber and both times were excellent.

I found Michael Ferber to be very knowledgeable in explaining fees, charges, processing and closing documents to me. He was courteous and easy to contact. He conducted himself in a professional manner at all times while still being warm and informing me in a manner I could understand.

Mr Ferber was very professional and considerate. Even when he was asking for more documentation and I was getting agitated he was patient and understanding. He has earned his commission in spades. He gets an A for tolerance and integrity. I will definitely recommend him to my friends. Thanks Mike.

Michael was the best. Any time I needed him he was there. Answered any questions I had and was polite and had lots of patience with me. Glad he was by my side thru this whole process Thank You Michael you are the best

Mr Ferber was a pleasure to work with. He kept my wife and I informed throughout the process and promptly answered all of our questions. I will highly recommend him and the E-Mortgage team.

Michael Ferber was GREAT!!!!

For all the people behind this thank u n May the Lord be with. u all !!! Stay well. n. healthy. !!! Leonor R .

MICHEAL WAS AS PROFESSIONAL AND COURTEOUS AS COULD BE EXPECTED. HE KEPT ME FOCUSED ON THE OBJECTIVE. OTHERWISE, I MAY NOT HAVE COMPLETED THE PROCESS.

The entire process worked quite smoothly...!

Michael came thru for us when Wells Fargo could not. With in 1 month we closed on my refinance. I was with Wells Fargo for 4 months and I still was not closing. I had my mortgage with them originally. Thank You for my wonderful experience.

Excellent job!

Did a great job, very friendly. Works too late doing his job, give the guy a break !

All of the E-Mortgage team were great!! Michael Ferber was great to deal with and made the experience much easier than expected.

Just did that on the last Page. Michael is a true pleasure to work with. As the face of your company, he is perfect. He is a great listener. He is positive and proactive. He is a great problem solver. I felt that I was important to him and to the company. He is an asset to your company. I couldn't be more pleased

Michael was great to work with. He was very responsive and kept me in the loop during the entire process.

Good coach!!