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Key Lock Lending Reviews

Key Lock Lending
Transaction Coordinator (13 years experience)

Specialties:

Purchase Loan, Refinancing, Home Equity, Mortgage Planning

 
- Highly likely to recommend
03/23/2010 - Spincrest Apartments
Closed purchase loan. Alvarado, Union City, CA 94587
Nick did a great job with our loan. We were a bit apprehensive about dealing with a lender through the anonymity of the Internet, but figured Zillow did a pretty good job of self-policing. Our apprehension was relieved the minute Nick contacted us regarding our quote request. He literally responded within minutes, and we immediately felt confident dealing with him. He was very friendly and knowledgable, and helped us gather everything we needed for the application. It did take us three months to close (and we're almost a "best case scenario"). The delay had nothing to do with Nick - in fact, if it wasn't for his patience and persistence, we might not have closed at all. We had two issues - one had to do with the subordination of a HELOC we had with Fremont Bank (never do business with them!). They held us up for three weeks, and eventually denied the subordination. As a result, we lost our once in a lifetime lock on a 4.75% rate. Nick was able to relock at a great rate (not quite 4.75%, but we're still happy), but then there was an issue with our appraisal - the appraiser was holding up the report for a couple of very picky issues). With Nick's help, we were able to work through it and eventually cleared our final inspection. Nick communicated with us constantly all during the process - it was amazing - we've never had this kind of service with any of the brick-and-mortar lenders we've dealt with over the last 15 years or so. Nick's customer service is amazing, and even more so considering his very reasonable fees. The mortgage market is very difficult right now, and I think that Nick did a great job helping us navigate through all of the hazards. We're very happy with our new loan, and we would recommend him in a heartbeat.
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- Highly likely to recommend
03/18/2010 - smartco
Closed refinance loan. Berryessa, Milpitas, CA 95035
The overall customer service & responsiveness was exceptional. Also, Nick was honest and professional during the entire process. What could have gone better? Read On.. I was looking to Refi a conforming loan (less than 417k) and locked for 30 days when the rates had dipped. I also had a HELOC from another lender. The subordination paperwork from the HELOC lender was delayed and the 30 day lock expired. The rates had gone up by that time. We did another lock, this time for a higher rate and eventually closed the loan. It was still a pretty good rate, but not as good as our original rate - which was at the rock bottom. In hindsight, we should have locked for a longer duration 45-60 days to account for the HELOC subordination paperwork. If there was one thing I wish Nick had done better, it would be this - a longer rate lock. The delays were solely due to the HELOC lendor (not Nick). Still, in my opinion, a homeowner may miss these nuances, but a mortgage professional should definitely be on top of this. If you have a HELOC, keep this in mind when you lock the rates. Some lenders do charge more for a longer lock..But, if you can lock at a really low rate, it is still worth it. With Nick, you pretty much get what you see--there is no bait & switch, junk fees or other tactics. In my experience, go with someone whom you can trust, the variance in rates between agents is minimal. It is the customer service, professionalism and integrity that makes the difference. Yes, things could have been better. But, overall, I am still very happy with my experience and would surely recommend Nick to others.
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- Highly likely to recommend
03/18/2010 - g17w17
Closed refinance loan. University City, San Diego, CA 92122
I think what sets Nick apart is not that he delivers when everything is smooth and fine, but what he does when something goes wrong. He keeps his word and gets things done; incredible work ethics and attitude. I wish to have a couple of engineers in my team who can compare to Nick in this regard... We plan to do business with Nick again and will recommend him to our friends also.
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- Highly likely to recommend
01/13/2010 - Tony92128
Closed refinance loan. Rancho Bernardo, San Diego, CA 92128
When I first met Nick, I was sure it was going to be one of those people who would just quote you things to get your attention and then screw you up, waste your time and money. I do not think I could be any more wrong.. He turned out to be an excellent professional, who works long late hours, keeps a very open and honest communication channel and does his best to get you the best deal out there. I thought I was not going to be able to refinance as my loan to home value was pretty bad. The first loan we applied did not get approved, yet Nick has done his best to find another mortgage for me, using my old appraisal, and did not cost me any additional money. As a matter of fact, I know he must have spent some money out of his pocket as he promised me certain rate and the lender themselves turn out to be asking for more fees etc. He is a man of his word, honest and knowledgeable so I would definitely work with him again in the future. Having said that though, he got me such a good rate, and I do not think I will ever need to refi, but I know I want to meet him sometime to get him a nice dinner and drink for his excellent support, help and friendship throughout this process and afterwards.
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- Highly likely to recommend
01/07/2010 - johnnyinsd
Gave me a quote on Zillow, but it did not work out. Lake San Marcos, San Marcos, CA 92078
Very knowledgeable and helpful. Honest and easy to work with via phone and e-mail
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- Highly likely to recommend
11/24/2009 - shrimort
Closed refinance loan. Santa Monica, CA 90403
Nicholas Hayes is what you look for in an ideal professional: knowledgeable, helpful, conscientious, honest, follows through, and makes sure to get the job done in the right way. He truly acts on your behalf, and tries to do the best. He communicates effectively, efficiently and promptly, and explains the steps clearly, and is truly great to work with. At no time in the process--from quote to close--did I feel that we were out of sync. And, above all, he gets the best rates! He gets a clear A+ grade for his performance. I am delighted to point everyone Nic's way.
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- Highly likely to recommend
11/23/2009 - davidacastro
Gave me a quote on Zillow, but it did not work out. Ronalee Hills, MD 20882
Nick was very professional, with extremely competitive rates, fantastic customer service, and outstanding work ethic. I don't know if I could say anything more superlative. Great job, Nick.
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- Highly likely to recommend
11/23/2009 - stevehoward23
Closed refinance loan. Walker, Parkton, MD 21120
Nick did a great job with our re-fi. He was very knowledgable, friendly and honest. He walked us through every step of the process, and followed up on outstanding issues quickly. He is very responsive throughout the process. He was able to get us a great rate and his fees were the lowest of what we were quoted. He is straightforward, honest and stood by his GFE. When title fees came in slightly higher than expected, he quickly lowered his fees to make up the difference. What more can you ask for, knowledgable, friendly, easy to contact, and honest. I would highly recomend Nick to anyone looking to re-fiance or purchase without hesitation!
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- Highly likely to recommend
11/11/2009 - lfenderson001
Closed refinance loan. Hampton Woods, Rosedale, CA 93314
Hi, I also had been working with numerous brokers/lenders who promised that they could get me this or do that, but none of them came through. Only Nick was able to give me what was promised from the beginning. He was able to do what the others could not. So, If you have been getting the run around on a refi or new mortgage, give Nick a call, I am sure he can do for you what he did for me. Thank you Nick
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- Highly likely to recommend
11/11/2009 - ran1dal
Closed refinance loan. Alamo Oaks, Diablo, CA 94507
Nicholas was the easiest and best mortgage broker I have ever worked with over my thirty + years of home ownership. His promptness and quick responses as well as his attention to detail put him head and shoulders above the rest of the pack. This is in addition to his low fees!!
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Professional Information
Key Lock Lending
Address:
Key Lock Lending
1400 Pacific Coast HWY
Huntington Beach, CA  92648
Phone:
(818) 237-5496Click to view
 
Email
Websites:
Website
 
Advice posts:
100
Screen name:
Key Lock Lending
Member since:
05/13/2009
NMLS #:
N/A
 
 
 
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