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Profile picture for Gene Neal

Gene Neal

Zillow All Star

The All-Star badge is given to top contributors of the Zillow community. These are active Zillow users who share their real estate knowledge and help others by contributing high-quality content. The more and better the contributions, the more likely an award will be granted. Users' contributions can be seen in their profiles.

Lender

NMLS 171261

Specialties:
Purchase Loan,
Refinancing,
Home Equity,
Mortgage Planning

Ratings & Reviews

 

  
 

12/02/2014 - shsabres
Closed purchase loan. Waldorf, MD

Where to begin? Well Gene made contact with me through this site when I attempted, and failed to get ANYBODY to help me get a home!! My wife and I made several mistakes when we were younger, with our credit. We make good money now, and were trying to get our first home. EVERYBODY we talked to said we were hopeless, EXCEPT GENE! From day one, Gene was responsive and said he promised we would get in a home. Gene was AMAZING!! He 'talked me off the ledge' so many times!! When I felt we were going NOWHERE, he walked me through everything. Gene first started by showing me that the previous help we received really did nothing to help us. He improved my credit from a 527 to over 630 in a matter of a couple of weeks!! He then got me no one, but TWO approvals!! While some delays were inevitable and outside of Gene's hands, he kept a positive attitude. When one of the lenders took too long and wanted more and more conditions, Gene went to our other approval. After a couple of weeks with that lender, I am proud to say that we got approved for our mortgage $215K (203K FHA Loan)! I was upset by how much down we had to do, as that fluctuated a few times, but when all was said and done, Gene improved our credit so much, that our original approval was for worse credit than we had. Our payments then went from $1700-$1800 a month to now $1560ish a month!! If you want someone that will work HARD for you, make themselves available at any hour, yes I can remember SEVERAL phone calls answered at 10PM! He never complained, never faltered! He got us our home and what else can I say?? Him and his team are AMAZING!! If everybody else says no, go to Gene!! HE will get you in the home of your dreams!! Trust me, this time last year I told myself I would never get a home! Now I am in a 5 bedroom 2.5 bathroom single family home in the DC Metropolitan Area, all thanks to Gene! Thanks again Gene for EVERYTHING!!

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Response from Gene

 

  

09/23/2014 - jvaldez14
Closed purchase loan. Chevy Chase, MD

Gene is the most cordial and hard working mortgage lender that I know. He walked me through all complex details of a purchase loan and helped me find the right product. He made sure I get the best offer and the best conditions and waited patiently until we found the right opportunity.

JV

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Response from Gene

 

  

08/01/2014 - cl fletcher1
Closed refinance loan.

Gene is VERY helpful, he was there for us every step of the way through our refi which was a complicated one. He will jump through hoops for you and is there for you every step of the way. Not only is he very knowledgeable and helpful through the process but he is also very personable. He and I would joke around and even when things weren't looking good you could just feel his smile through the phone and him telling me it's "alright" it's going to be "okay" and that if there is a will there is a way. Gene don't retire in my lifetime because you are the only person we will EVER use for our mortgages, challenges or no challenges!

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Response from Gene

 

  

07/19/2014 - kevin sdbz
Closed purchase loan.

Gene was great in every aspect. He help guide me every step of the way. Extremely knowledgeable. Always knew what to tell me and when I was down and thought the sell wasn't going to go through he always kept me positive. I am even recommending him to family and friends because someone like him is really hard to come by. Thank you Gene you are the best.

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Response from Gene

 

  

05/21/2014 - edgodoy
Closed refinance loan.

Mr. Neal went way above my expectations in delivering personal service. From the out set, he listened to my story about how I tried unsuccessfully to refinance my high mortgage and promised me that in the end, he could help obtain a lower interest rate. The process was a little overwhelming for me, but he stood by and explained every little detail and took me through the entire process step by step. I can't tell you enough what a pleasure it was to deal with Eugene. In the end he delivered on his promise to find me a better rate so that my wife, myself and my grandchildren could stay in our home. Thank you again Eugene for the personal service and going above and beyond to help me in my quest to refinance. Ed

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Response from Gene on 05/23/2014

I must say it was a journey indeed. I'm glad it worked out well and we were able to help save your household money. I'm glad you reached out to me. Salute to you and your service as well.

 

  

01/23/2014 - user0574951
Closed purchase loan.

Dear Eugene,

I wanted to personally thank you for the outstanding service you provided in funding and closing our first home. My wife and I and my two little kids just wanted to tell you what a great experience we had working with you. You answered all of our questions clearly, concisely and in a timely manner, even on holiday weekends. Our loan process was challenging at times, but you never gave up and gave us reasons not to give up. You worked diligently to get us the best rate possible and we are extremely happy with the results. It didn’t take us too long to know that you were very knowledgeable about the process. Another plus is that you work late office hours, which is great for people like us who work full days and need to work with a mortgage specialist in the evening. Now my kids will be able to call this place “Home”. Thank You Eugene my family will forever remember everything you have done for us and will not hesitate to recommend you to anyone, you are the Best!!!

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Response from Gene

 

  

01/21/2014 - jessiee720
Closed purchase loan.

Working with Gene was easy and very rewarding! I was in my house in about a month and a half, which was much quicker then most! I would recommend him to anyone looking to buy a home!

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Response from Gene on 01/23/2014

Jess I'm glad it all worked out enjoy your new home.

 

  

08/04/2013 - user9726295
Closed refinance loan. Center Moriches, NY

I found Gene Neal to be incredibly professional. With us he has been honest, straight forward, trustworthy, extremely helpful, knowledgeable, patient and respectful. I would, without hesitation, refer him to any one I know looking to buy or refinance a home.

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Response from Gene on 01/23/2014

Your food was the best forget the loan.

 

  

08/01/2013 - Jeanine Grazidei
Closed refinance loan. Bayport, NY

I would highly recommend Gene to anyone who is looking to refinance ,obtain a mortgage or any loan. He is very knowledgeable, trustworthy and patient. I had a mortgage at a high rate and a home equity loan that I was trying to refinance and combine to one loan and neither on of my banks would work with me because I didn't fit into there criteria, getting frustrated and annoyed with other banks he was able to reassure me that he could help me out and I am so glad that I let go and trusted him. Through it all Gene was very kind, considerate, and he even educated me along the way. He was very supportive through it all and I am very thankful to him and would do business with him again anytime.

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Response from Gene on 01/23/2014

We knew Jeanine and Gene was going to make a great combo. You are one of my greatest clients ever.

 

  

07/31/2013 - user79309286
Closed refinance loan. Rome, NY

I appreciated Gene’s knowledge and responsiveness when dealing with him. He was supportive from my first interaction with him in January 2013, at that time it was not something that we were able to do. Gene at that time took his time to explain to me how refinancing works and the best approach we can take. Come June 2013 after receiving several calls from numerous mortgage brokers I got back on the phone and called Gene. I think that says something there. My 1 interaction with Gene in January left a lasting impression. I called him immediately after ending with a broker. This goes to show you first impressions are lasting. The brokers that had called me were offering all the same rate “a great one” but I wanted the experience and the compassion that I knew Gene was willing to provide me. I have and will continue to recommend Gene Neal to everyone that I speak with. Thanks again Gene!!! In 15 years I’ll send you a post card from my vacation home :)

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Response from Gene on 01/23/2014

It was a pleasure indeed on my end as well plus I respect the fact you didn't forget me.