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Being a seasoned homeowner with multiple homes in different states I have worked with many mortgage brokers and lenders over the years. Also being a private banking client with 2 of the largest national banks I often get the red carpet treatment from the big banks in attempts to woo my business. Working with Fahad Karamat was truly a pleasant surprise. Having found him randomly online through no referral, and taking a chance on him with no online reviews! (That’s why I’m leaving this you need online reviews man!) Being a mortgage brokerage owner Fahad was able to offer us a ton of options to finance our home. Owning multiple properties this was a ‘second home’ loan product. What really stood out about Fahad was that he didn’t offer us just 1 type of loan product from 1 lender. He went out of his way to give us many options, from multiple lenders to multiple loan products. His technique of asking probing questions while initially made me wonder why does he need to know all this, and this may be too much insight he is looking for just for a loan, was actually genius. Fahad has learned a lot from his various clients over the years and has great business insight. He was able to put 2 and 2 together and figure out just by asking the right questions that we actually qualify for a couple of other loan programs that we did not know of, nor had any other lender prior to him suggested. I highly recommend Fahad Karamat. He will definitely be getting our business again when we are ready to refinance after our current additions and renovations are complete. Great tips Fahad, adding value to the property then refinancing at a lower LTV, lower rate hopefully. Wishing you all the best and success man!
Efficient professional service all the way. Fahad Karamat was recommended to us by our son as the go to guy for loans. I’d used other loan brokers in the past but our son had gotten a loan with Fahad recently and he was telling us about how he got it closed in 17 days from the day he formally submitted the loan. And he submitted everything
online electronically. So we decided to try Fahad out since we had never heard of doing a complete loan online. We were very pleased with the results and his straight-forwardness. We originally submitted the loan application directly on his website and we could have had our loan refinanced and closed within 3 weeks thru his different lenders that make loans based on electronic submissions online and are truly doc-less. However, at the time Fahad advised us that some of his other lenders were able to offer us a lower interest rate and lower payment but they needed our tax returns, pay-stubs, and bank statements, the usual items one normally needs to get a loan anyway. So we emailed him our taxes, paystubs and bank statements like we would normally have done and he placed the loan with the lender that offered us the best rate and we ended up closing in 4 weeks since Fahad had us change lenders to get the best rate for us. I’ve used other Mortgage Brokers in the past and I must say I was very satisfied with Fahad Karamat and I highly recommend him.
I just wanted to say thank you to Fahad Karamat for helping me get into my first home. Fahad helped me through the entire process of finding the right loan product for me and my situation. Being a first year resident this was my first job after medical school and being a first time home buyer I had limited knowledge about home loans and what type of mortgage I should get. FHA, Conventional or what? Fahad was very knowledgeable, thorough, and provided me with many resources and worked with me to come up with an action plan. He was able to get me into a loan with only 5% Down Payment with NO PMI. No Monthly Mortgage Insurance with only 5% Down Payment. He advised this was a better option as oppose to going the FHA route and having the ongoing monthly insurance premium and the upfront premium on top of that. I got a great loan with low manageable monthly payments without having my student loans count against my debt ratios. On top of that I was in my new home within a month of starting my first job at the hospital! Without Fahad’s guidance I would have been bouncing from different lenders trying to get a loan considering my situation and missing the contract deadlines and losing out on my home. I highly recommend Fahad Karamat as the loan officer and lender who can get the job done right the first time with great amazing competitive interest rates. Fahad is a true professional!
Fahad was very quick about getting me refinanced. Being a veteran I’ve had a lot of telemarketers and other lenders contact me for these “Streamlined” VA refis or IRRRLs as they call them but I’ve experienced bait and switch tactics in the past. With Fahad I got none of that BS. He runs a tight shop. Upfront, honest and very easy to work with. Within 2 weeks I was in and out with a new loan and lower monthly payments. He shops the loan with multiple lenders and brokers a solid deal. Wishing him all the best. Peace ✌🏽.