Profile picture for Chris Milker

Chris Milker Reviews

Chris Milker
Mortgage Consultant, Colorado (13 years experience)

Specialties:

Purchase Loan, Refinancing, Home Equity

 
- Highly likely to recommend
04/26/2013 - user7355145
Closed refinance loan. Coatesville, PA
Chris did a wonderful job in helping us finally be able to re-finance our Freddie Mac owned loan into a lower rate. After years of trying to work with our mortgage company (and the subsequent company they sold our loan too) and getting nothing but frustration, the knowledge, helpfulness, and professionalism Chris displayed was a welcome change. Within a 2-month time period, we figured out what needed to be done and we got it done! Thank you so much Chris!
Profile picture for Chris Milker
Response from Chris on 04/26/2013
Thank you. I am glad we could finally get this loan done for you.

 

- Highly likely to recommend
01/02/2013 - wolfietoo
Closed refinance loan. Knoxville, MD
I must begin by explaining what a horrible experience I had with another mortgage company before I contacted Chris Milker. I will leave out the name of the company so as not to disqualify this review from being posted.

I approached another company about doing a Harp 2.0 refinance since my mortgage is under water. I was told no problem. I was pre-approved. Should take 4 weeks. Suddenly I needed an appraisal. Well Harp 2.0's do not require an appraisal. But I paid the 450 dollars. The appraisal came back low (remember they are not required for Harp 2.0) and the company said they would work with the appraiser to bring it up. Then my loan was rejected. But they felt they could try something else. So they resubmitted. I still do not know why it was rejected in the first place. Then they stopped contacting me and returning my calls. I finally sent an email saying I was going to find another lender since they could not be bothered to contact me and was instantly met with an email saying "good because we can't help you". And I was out 450 dollars for no reason. This process took nearly 6 months of my time.

I write this to let you know of the mindset I was in. Discouraged. Disappointed. Helpless.

I came across a forum online regarding the Harp 2.0 and I contacted the owner of the forum, but he was licensed in another state and could not help me. However, he recommended CMG.

I contacted CMG but they did not return my call so I gave up...until I saw some comments praising Chris Milker on Zillow. I decided to give it one last shot.

Chris contacted me immediately. He was understanding, professional, knowledgeable and responsive. He got me an answer right away. And of course, there was NO appraisal needed. From start to finish I believe it took 5-6 weeks to apply, be approved, and settle on my refinance. In addition, he saved me $350 a month on my mortgage - a full $100 more than the previous company offered.

Chris is a lifesaver and I would recommend him to anyone, especially someone in a challenging situation as my own.

Thank you Chris!!!

By the way, the other lender is now calling me daily telling me they have a new program that can help me. FAT CHANCE.
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
08/19/2012 - user689573
Closed refinance loan. La Salle, CO
This is not a commercial but great service deserves praise...we have re-financed our home twice with Chris, once to get out of an ARM in 2009 and then again this month. The process was easy and quick (about three weeks) and Chris got us out of a 5% loan to a 3.625% fixed rate saving us $250 a month on our mortgage payment. If you have an FHA loan, see Chris to do a FHA streamline re-fi...thanks Chris!
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
08/14/2012 - user5290595
Closed refinance loan. White Plains, MD
I am the type of person who has very high expectations about customer service no matter what industry. I generally do not take the time to write a review. Instead, I will verbalize my satisfaction or dissatisfaction with the service I have received. In this instance, I felt very strongly about letting people know what a wonderful experience my husband and I had working with Chris Milker.

Our situation is not unique. We purchased our home at the height of the market five years ago and soon after, the market plummeted. Our interest rate was over 7%! For the past three years we have tried diligently to get help with reducing our monthly mortgage payments, hoping to qualify for the HARP 1 program, but were unable to find a mortgage company, including our own, that would help us (we were too upside down, had never defaulted and were not demonstrating a hardship). During this time, we even fell prey to a scam company, Help You Save, that took several thousands of dollars from us that we never got back.

When the HARP 2.0 program was introduced, we thought now we might have a chance, only to learn that our LPMI created yet another obstacle and the mortgage companies we contacted could not help us (the loan had to be manually underwritten). Needless to say, when we "found" Chris, we were feeling very defeated.

From the initial conversation to the time that our home refinance loan was funded, which was about two months, Chris was awesome to work with! He was communicative, responsive, upfront, patient with all of my questions (and I asked a lot), very knowledgeable, personable, professional and the list goes on. Even though he had other clients he was also working with, I always felt that we were his priority. And, not being overly familiar with the refinance process, I had concerns at times thinking that we wouldn't be approved or some other hiccup would occur and the process would stop. Chris was very reassuring and said he would find a way to make it work no matter what. We hadn't heard that from anyone before and we have had countless conversations with mortgage companies during the past three years! Chris ended up getting our percentage rate reduced by 3% saving us nearly $600/month!

All in all, and I could go on and on with compliments, I HIGHLY recommend Chris! If you want to work with someone who "has your back", Chris is your person.

Thank you Chris for everything!

Heather and Damion Tarpley
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
07/02/2012 - user218701
Closed refinance loan. Birdsboro, PA
My husband and I recently refinanced our mortgage through Chris Milker at CMG. We were in a tough position with a 125%+ LTV and when the new Harp 2.0 was released, we found that we just couldn't find anyone who could get us approved even though we met all of the requirements. We began the process back in February with another company (whose name I won't mention) and for two months we worked with them and were told that we'd be approved. We paid $450 for an appraisal, only to get a call from them stating that they couldn't get us approved b/c their company had caps on LTV, etc. We called multiple places and posted multiple comments on the web and that's how we found Chris. He is extremely knowledgeable about closing a mortgage AND about Harp 2.0. He and his staff made the entire process so easy for us and they were a pleasure to work with every step of the way. I'm happy to say, that we were able to close in late June and decreased our interest rate more than 2%. I would highly recommend anyone who is looking to do a refinance, that you call Chris. Our situation was a very difficult one in that we also have PMI, we were over the LTV of most banks/mortgage companies, and Chris was able to make it happen!
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
06/11/2012 - user9716104
Closed refinance loan. Elkridge, MD
After much searching, Chris Milker and CMG Financial was recommended to me for its lenient guidelines for funding Harp 2.0 refinance loans. I had been searching for several months to find a lender who would take on my daughter's very underwater mortgage. Chris came to the rescue and with knowledge, patience, and responsiveness, he guided us through the long process and many faxes to a final closing today. My daughter is saving over $500 a month and the process, though long, was smooth and glitch-free. Many thanks to Chris for being such a consummate professional, guiding us through this confusing new mortgage world.
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
05/31/2012 - user5443369
Closed refinance loan. Hanover, PA
Chrsi was the best agent for morgage financing i have ever encountered. he was prompt, polite and got the job done; oh did I mentioned very thorough. Yes I am going to refer him to my family and friends. Thanks again Chris.
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
05/26/2012 - user7651808
Closed refinance loan. Bowie, MD
When HARP 2.0 started being offered, many banks didn't seem to know the details of the program. My own servicing loan company refused to consider me because my my loan to value ratio was too high (even though that was precisely the point of Harp 2.0...). I found an article about CMG surfing the net, sent them an email, and next morning Chris was on the phone. From then on, we must have talked 20 times, at every stage of the process. He always took time to tell me what was next, and always followed through. At no time I had the feeling he was not on top of the process, even though the new guidelines for Harp had just come out and were new to all. As a result, the process was fairly smooth and took about 1 month and a half. Our main hurdle was just at the finishing line, when my old lender reversed the payoff they had just received and claimed the obligation was not satisfied, on the grounds that they had not received my May payment (even though we had processed the payoff using the number they provided, which was good through the end of May). Once again, Chris was on the line with my old lender and within a couple of hours had worked it all out with them. If you think lenders are all sharks and don't care about you as a customer, there are still old-fashioned gentlemen out there, who listen to you and ultimately give you the feeling they truly helped you and your family out, as opposed to just providing a service. Chris Milker is a rare representative of the way this type of business should be done. I highly recommend him.
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
05/22/2012 - user0696891
Closed refinance loan.
My name is Stilian Asenov. I had a 6.65% Freddie Mac loan for my condo in NJ with 130% LTV, to which Chase have secretly added a LPMI. After the new HARP 2 became available, from the middle of March, I started searching for lenders for refinancing. After being declined by more than 20 lenders, including multiple times from Chase, with whom I have had the worst experience, and after starting to think that refinancing was impossible, I met Chris Milker from CMG Financial. Chris did the impossible. He is the most competent person I have met in the mortgage field and he managed to find a way to have my loan approved and be transmitted through all Freddie Mac restrictions. Moreover, he offered me the best rate and closing costs that I did not even expect. After 4 weeks in which we were in contact, and thanks to his help, my loan was finally closed. I am very pleased with the final result and would recommend Chris Milker to anyone.
Profile picture for Chris Milker
Response from Chris

 

- Highly likely to recommend
04/30/2012 - user752528
Closed refinance loan. Brick, NJ
I had a very good experience with Chris while obtaining my refinance loan, he was very responsive and was able to answer all of my questions and concerns. I would highly recommend his services!
Profile picture for Chris Milker
Response from Chris

 

Professional Information
Address:
Fairway Independent Mortgage Corp
7055 Village Square Drive, Suite 105
Castle Pines, CO  80108
Office:
(303) 214-6390Click to view
 
Mobile:
(303) 503-5765Click to view
 
Fax:
(720) 223-6465Click to view
 
Click to view
Websites:
, Blog
 
,
 
,
 
, LinkedIn
 
Advice posts:
304
Screen name:
Chris Milker
Member since:
12/09/2009
NMLS #:
  • 277954
Licenses:
  • 100019755 (Colorado)