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.
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.
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.
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.
Chris just helped me close a refi on my SFH in New Jersey - a refi I had come to believe was impossible. I was 5 years into a FRM with BOA at 6.25%, and BOA had added LPMI to the loan a few months after close, and between the LPMI and my 130 LTV, no one wanted to work with me.
Not only did CMG get the loan done for me, Chris quoted me a rate so much lower than what I had heard from other banks that my husband and I grew suspicious. The whole four weeks we worked with him, we waited for the other shoe to drop.
In the end, though, we closed a great loan - with an even better payment and better closing costs than presented on our GFE. Chris was responsive and honest - an overcommunicator if anything. He understood and respected our needs and goals, and he expertly navigated what was ultimately a pretty complicated HARP 2.0 refi.
The entire process was amazing!! My Dad recommended Chris to us and I'm so happy he did he is very knowledgable and very helpful! Trust is a big thing especially when dealing with your home. We felt we could trust Chris and his staff immediatly! I have and will continue to spread the word about how great Chris is!!! THANK YOU!