Dr. Tricia and Derek Twelves
My experience working with Josh and his team was a positive one. They made it as easy and painless as possible. Even when my refinance became more difficult then originally anticipated they handled it professionally and efficiently. They are very organized and do a great job communicating during the entire process. I would highly recommend them to anyone looking to refinance their mortgage.
We have been very impressed with Josh and his team. In fact, I first learned of Josh through one of my physician clients. The feedback was so outstanding that I decided to contact Josh directly and meet. Since that time, we have been extremely impressed with Josh’s knowledge, customer service and strong desire to continually do what is right for his clients. As a result, we have been referring our clients to Josh and the feedback continues to be exceptional!
I am an incoming resident from the east coast and my financial situation only allowed about a week in Salt Lake City house-hunting to get everything accomplished. We had originally worked with another lender in the area and thought everything was settled. After a week of stressful house-hunting my fiancé and I were ready to make an offer on a house only to find out that there were problems with the lender being able to give me a loan without several months of income history from the hospital. Faced with the prospect of losing the house we found, getting a short-term lease, and having to move twice, I called Josh Mettle. With only one day notice, they were able to pre-approve us for our loan and we were able to go ahead and submit an offer on the house we found before returning home. Josh and his staff were responsive to my questions, easy to get in touch with, and kept me up-to-date of the process every step of the way. They were well-versed in the financial issues facing new residents including student loan debt and unique loan options for new physicians. I could not be more happy or thankful that they helped us get into our new home. I would, without hesitation, recommend The Mettle Group to anyone in need of a home loan, especially to new resident physicians!
Your team has done an amazing job on our loan. We have been thoroughly impressed and pleased. So impressed that I have shared your name with some family members who do real estate outside of Utah and they were curious if your group does any loans outside the Beehive State.
I also will keep you and your group in mind with my future business in real estate; if you're ok with that!
Deciding to go with josh and his team was the best decision that my wife and I could have made. The person that was first working with us was not helpful and was dragging their feet.
Once I gave josh the go a head his team took control and made the whole process seem very easy and made it less stressful on us.
I would recommend josh and his team to anybody that I know that was in need of his help.
Testimonial for David Nelson, Loan Officer
We had a great experience with our refinance working with David and team. Gathering the documentation needed to submit our application and process the loan was pretty much the only portion that required effort. Other than that, the process was painless and everyone responded to questions that came up in a concise and timely manner.
Coordinating the appraisal and signing of the loan was also done in a timely manner. We were particularly impressed with the person (Leslie) at the title company who conducted our signing. She was very good with explaining the purpose of each document as we signed.
Testimonial for Drake Bloebaum, Loan Officer
As a first-time home buyer, I was particularly anxious about putting together a team that would consider my personal needs rather than just trying to get me to purchase a home as quickly as possible. Drake was referred to me by a close friend and I couldn't have been more pleased with the dedication and personal attention that I received. He took the time to explain the overall process in great detail and walked me through every fee on my mortgage agreement. When I received a homeowner's insurance quote, Drake told me that it was far too high for the home I was purchasing and connected me with another agency who charged me half of what I would have been paying. Drake made every effort to reach out and see if I ever had any questions or needed assistance. Even my own real estate agent, who came very highly recommended from numerous friends, commented about how efficient and effective Drake was in moving the mortgage process along. Through Drake's efforts, the home buying process was much more enjoyable and I can't thank him enough for his service.
I think the overall experience with Josh and his team was excellent. They certainly had a system and everyone had a role and they seemed very organized in their process. The rate we received was as good or better as any we could have gotten elsewhere. Their speed and efficiency certainly helped get us into our new home very quickly. Great experience.
Testimonial for David Nelson, Loan Officer
I was very pleased with the way our refinacing went. I had contacted David back in 2010 to try and refinance then. We didn't have the best of credit and wasn't able to complete the refinacing process, but David helped us on how to get our credit score up. I appreciated the help and we were able to increase our score so we could refinace this year. David and his team were wonderful to work with. Michele was always willing to talk with me to help me understand the process. I will definitely refer David and his team. They made the process easy and painless. Thank you again for the help!
Testimonial for David Nelson, Loan Officer
Our buying experience with David and his team was top-notch. Even though we had a few hang-ups during the closing of our first home the team went above and beyond and made me and my wife feel like we were their number one, and only client. They really made me comfortable and calmed any nerves I had during the process. Overall my buying experience was very enjoyable. The punctuality and professionalism was second to none. I really can't believe how personable and helpful everyone was. I can't even imagine what it would have been like to not have a team that was so on top of everything and willing to work long hours at our expense. Thank you so much for all of the hard work and dedication from taking our dream into a reality of purchasing our first home. I will recommend anyone and everyone to David and his team. I hope I can find individuals that can utilize his services so they can have an enjoyable experience like i had.
Testimonial for Drake Bloebaum, Loan Officer
The Mettle Team was great to work with. Drake was fantastic. I really appreciated his persistence without coming off as pushy and just trying to get a sale. He really took the time to explain my options and what each of them meant. He was patient and responsive to my needs of getting the mortgage done as quickly as possible. I would absoultely recommend Drake to anybody I come across who is looking for a mortgage.
Regina did a great job of making sure I knew what I needed to provide to her and answering the many questions I had regarding the money trail. I had little contact with Matt, but he seemed to be keeping abreast of what was going on.
I would absolutely use these guys again.
Testimonial for David Nelson, Loan Officer, FICO Pro
It was a rocky road at first trying to navigate how my commissions should be counted. David did an excellent job on keeping me aware of what was going on and it seemed he really cared about getting this through for me. I appreciate his dedication and hard work. He did what was best for me!!!
Honestly, I couldn't say enough good things about Josh Mettle and his team. They're professionals, that just want to get people in homes as fast as they can. Josh is a very friendly guy, that really makes you feel like there are no stupid questions when it comes to financing. I have always appreciated how fast I have received a response to my questions, no matter how I send them (email, late night voicemail, etc). Josh has now helped me with two separate home purchases, and if there ever is a third, he'll be the first person I call.
I was very pleased with everyone at Citywide, Josh was extremely friendly, seemed to be very intelligent, and always either answered my calls or called right back. Matt was very communicative, helpful, and friendly. I mainly interacted with either Josh or Matt and was very happy with both of them, they were clear in what they needed from me, and how I should proceed. Theron was the only other person I interacted with and he was helpful, but my experience with him was fairly limited. Additionally, I am very happy with my loan, and I would recommend Citywide, Josh, and his team to anyone I know that is looking to buy a home.
Josh knows that we appreciate him getting us this loan.
We started this process quite awhile ago. There were many difficulties with our HOA on issues with the complex. Josh continued to follow up with them to start our loan process as soon as all of the issues were resolved.
After that it was the usual professional assistance we have come to realize is his way.
He, and his entire team kept in contact with us to keep the loan process progressing toward the final solution.
Through many time consuming processes, they always kept us informed of the status, and any documentation now required by the underwriters. Josh and his team went above and beyond to get our loan closed.
We would recommend Josh and his team to anyone.
I would love to help out the Mettle group as lord knows they have all helped me greatly! To be honest the Mettle group from start to finish was a great experience. As I know the loan process has tightened up greatly over the past couple of years, the Mettle groups expertise and professionalism has made this experience nothing less than exceptional. I know the process behind the scenes was probably hectic and very labor intensive, but I felt none of the pressures and felt extremely confident in the Mettle group throughout the process. Josh and his group set the bar for a high standard, and delivered nothing less. The communication from one team member to the next was spot on.
I have sent Josh various referrals over the years, and will continue to do so moving forward. I want to thank the entire team for all the assistance, as I consider the Mettle Group a grade “A” partner. I am moving forward with more investment properties, and wouldn’t consider another lender. Tell Josh his math needs a little work as his forecast of interest and payments was off by .0000001 percent, benefiting me. This was true on not just one loan but three loans, border line genius. Maybe don’t tell him that as I don’t want him to become too confident! J Thank you and your team for a great experience.
I have nothing praise for Drake and his team. Actually this refinance was painless in comparison to what I was expecting. Kristen, Matt and others on Drake's team were constantly in touch, keeping me apprised of every step. And above all, Drake has always been more than honest with me. This is the second personal transaction that he has handled for me. I would be hard pressed to take my business else where. I have and will continue to recommend Drake whenever I have the opportunity.
Thank you to everyone who contributed to a successful refinance for me!
I did want to send something to express our thanks to all that we worked with at the josh mettle group! You all made it a very pleasant experience and comforting to know you had us taken care of! My brother and brother in law Jeff Heap and Mike Gable also our real estate agents told us we had to go with the Josh Mettle group cause they are the best! And I would say the same and would proudly refer any one we could. Thank you again the mettle group is the Best!
I would LOVE to tell you how great our experience was working with the Josh Mettle Group!
We have always used Josh and his team for our home purchases and refinancing. They make things so easy and less stressful. When we have wanted to make changes in our loans or buy a new property there has never been a question of who we would call.
I often hear stories from other people about all the headaches and hoops they have to jump through to get a loan and I always think "We never had to do that" or "We never felt like that." Even now in a time when loans are harder to get and the requirements are tougher I still felt confident in Josh and his team and I know we are in the right place and working with the right people.
Everyone says that they have a "good loan guy" but we truly have the BEST loan team and I will tell anyone who asks (or even if they don't ask) how much we like/love and appreciate all that Josh and his team do for us!
My family and I moved to Utah about 3 years ago from Virginia. We knew we would have to replace certain contacts and professionals in our lives, namely doctors, dentists, bankers, etc. What we didn't consider was a lender we could trust who had our best interest as a priority. Back in Virginia we had always used a friend of the family who we had known for years. Here in Utah we were faced with filtering through all the potential companies to find someone we felt comfortable with. Luckily, our real estate agent gave us a recommendation and after a brief conversation I knew we had found someone here in Utah we could trust. We have used Josh and his team twice now (original loan on our home and a re-finance) and both experiences were great. I could use a bunch of adjectives to describe what they are like, but the most important thing to me was the responsiveness when we have questions, problems, or need answers on something. Everything I've ever asked for has been done. If I ever call or send an email, I get a response immediately. These are the things I appreciate most about Josh and his team.
My personal experience on getting a loan is a lot like raising kids. As soon as you say you are involved, everyone has advice for you on what to do. I must have had 25-30 friends and colleagues tell me where to go to get the best rate. Normally I'm the type of person to shop around for a good deal. Not in this case though - Josh is our lender and will continue to be as long as we are in Utah.
We had a very helpful and positive experience with Josh and his team. We found them very responsive and helped us see multiple options for our situation. We had been to another mortgage service provider prior and felt a bit like we were put on the assembly line, getting the "usual package." Josh spent time thinking through our individual situation and we talked about what the advantages and disadvantages were, for both short and long-term, of a few different ways of approaching our refinance. This helped us have confidence in the direction we were going and we are very happy with our new loan.
Have already given his name to one of our neighbors.
The thing I love most about Josh is his "can do" mentality...that comes in handy for someone like me that needed a unique kind of loan. His team was great too. I will refer anyone I know who is considering a loan to Josh and his team :).
Thank you David! You have all been great to work with and I’d recommend you to anyone I know. :)
We had an excellent experience with Drake from start to finish and would highly recommend him to anyone! We appreciated his expertise and professionalism. He and his team always responded in a timely manner to phone calls and emails.
Nanette S. Wilde
Dear Josh Mettle and Associates,
I would like to extend my gratitude and give a very special thanks to you and your team. I want to thank you for all the hard work and effort that was put into helping me obtain a loan. Being a repeat customer I was sure that you would live up to all my expectations, And you did just that! We are very pleased with our new home and I hope that we will be able to do business again in the future!
Josh and Citywide were great! I emailed Josh initially to see if there was a loan product with 100% financing as we were looking to buy and own a home without a large downpayment. He let me know exactly what I needed to do to apply and qualify for the loan including doing a rapid rescore on my credit to boost it to the appropriate score for Utah Housing.
The pre-approval process was easy and fast and we were out looking at homes shortly after. When we found the house we wanted and made an offer, Josh was clear that he would do everything he could to finance the house by our deadline dates in the purchase contract.
Josh and his team assisted me with any questions I had and helped my wife and I complete our first home purchase very smoothly. I will recommend Josh and Citywide to all of my friends/family that are looking to buy a home int he future.
Thanks for everything,
I would like to give a huge thank you to Josh Mettle and his team for getting me and my family into the perfect home! I recently purchased my first home in Draper for my wife and 2 daughters and closed just 2 weeks ago. I was referred to Josh by my sister-in-law who said that he would take good care of us and that is exactly what he and his team did. From the first call to the last call Josh and his staff were very professional, polite & timely on keeping me informed throughout the process of the loan. I heard that underwriting can be stressful and lengthy but I didn't experience that at all with Josh and his team.
They did a fantastic job and I highly recommend them to anyone considering to purchase a home!
Thanks from the Halls
I have referred Josh to a few friends already. !!
My experience with Josh and his team was excellent. Josh returned my initial phone call within an hour. He took my information during our first conversation and immediatley started to set up the refinance. He emailed me back the next day with the first proposal. I visitied the office with some paper work and he explained everything that was going to happen in detail. I'm not the best at mortgages and financial details, and he was very patient!! After that his team worked with me to finish the deal. I had to send in some other explanations of some of my history, and they sent me templates to fill out, which was very helpful. The Title Company they set me up with was very efficient.
Josh and his team were amazing, and I will reccomend them to anyone looking to refinance!
Our experience with Josh Mettle group was second to none! Everything was handled in a very professional manner. Everyone that I worked with was super fast and efficient. I was always informed on the status of what was going on with the loan. I would and DO refer everyone I can to the Josh Mettle group. Gary and Bobbi Capps thanks all of you for making our new HOME a reality.
I have been through a number of mortgages and refinancings over the years and I have to say this was by far the easiest most pleasant one I have ever experienced. Drake and the team kept me fully informed every step of the way, explained things in terms I could understand and were also very understanding when I had a "little melt down" on my end. The staff was very pleasant and professional in all dealings. In fact they were able to close my loan even sooner than we had anticipated. Overall I am very appreciative of the treatment I received from Drake and the Mettle Group and I will recommend them any chance I get.
I thank you again for the amazing service and treatment I received from Drake and the Mettle Group.
Overall it was a fantastic experience. We hadn't purchased a home is a very long time and obviously there are some new rules that make it a little tougher to get through the process. Josh's team (primarily Kristen and Josh) walked us through each and every step, making sure we understood what was needed and how it would be processed. The process, although lengthy and a bit complicated, was much more successful with such an ideal team. I loved that we focused on potential issues and worked through each one individually, so it seemed more manageable and not so overwhelming. Also, it was absolutely terrific that Josh and Kristen were available via phone or email, when there was a status update or issue. Communication is key and I don't think I've ever worked with a team with such fantastic communication skills.
We appreciate everything they did to make our closing a success and although we do not have any referrals at the moment, there is no doubt that we will be referring family/friends in the future.
I am responding to your request for feedback concerning my recent property purchase that was handled through Drake Bloebaum. I chose Drake because of positive referrals by friends who have refinanced their existing loans or made new purchases.
Drake was exceptional in his handling of my recent mortgage procurement. My requested loan was not straightforward and required a great deal of understanding, expertise, and persistence. He was able to answer every question that I had, reducing my stress and increasing my buying confidence. Drake will be the first call I make for my future property purchases and I will ecstatically refer my friends and family to him.
I was very pleased with Matt Smith. He sent out weekly reports and also answered all questions during the process. He was very personable and stayed on top of the process.
I was also pleased with the entire group. I know we had some rough patches but that was due to complexity of the loan situation. I was pleased to get everything resolved all at once and I was impressed on how it all came together with the team pulling it off in a timely manner.
Thank you for your time and effort, it was much appreciated. I will of course recommend you to anyone I know wanting to refinance.
I want to thank you and your team personally for all your help in my home loan process. Josh, Theron, and yourself have all been extremely professional and timely in all your business dealings. I will highly recommend you and your team to anybody I come across looking to purchase a home in the future! Me and my 3 girls are more than thrilled to get into our new beautiful home and start making memories:)
My feedback is that Josh and his team did a great job. The information was spelled out in easy terms and questions and problems were easily taken care of. All team members were friendly and I enjoyed working with them all. The initial loan application on line worked very well. I was impressed and regards to a referral I would be glad to do that. I have all the information on my computer and if I hear of someone thinking of a house loan I shall send them your way.
After spending a long 5 months or so trying to refinance our home with bank of America we were denied. I was referred to Drake who was very friendly and attentive during our first conversation.
He was very informative, diligent and efficient. Within only 2 1/2 weeks of our first conversation we were closing on our loan! I would highly recommend him and already have to a few friends! Working with him was such a pleasure!
This is not the first time that we have had the opportunity to have Josh and his team help us with different transactions, and on all of the occasions we have dealt with them we have had an excellent experience. We have been very impressed with the professionalism as well as the personalized attention given to us. Whenever we had a question or concern it was quickly addressed and resolved by either Josh or a member of his team.
We feel we can have absolute trust that they will have our best interest in mind, and will make every effort to help us have a positive experience. We are exceedingly pleased with the experiences we've had and look forward to future business transactions with the Mettle Group.
I enoyed working with Drake and team. The thing that stands out the most in my mind is Drake's patience and availability to ensure I had the best product for my needs and a full understanding of how it worked. Much appreciated.
I have spread Drakes name to a couple of friends but have yet to run across anyone looking. I most definitely will keep your group in mind if I find anyone in the search. Thanks again.
Every encounter we have had with Drake has been good. He is always courteous and helpful. My brother Michael and his wife used Drake to finance their relocation to Salt Lake this year and they were equally pleased. Had they asked our advice we would have recommended Drake but they found him by coincidence and had the same great service. My daughter from San Diego, has received advice from Drake, on my referral, and is very happy with his wisdom and suggestions for financing the possible purchase of a home here.
In short, Drake is an excellent and diligent finance officer who is very knowledgeable about this market and loan requirements. I have recommended him to others in the past and will, without any reservation, in the future. If you need any verification of his skills in the future please have your customers contact me.
Given the opportunity, I'd work with Josh as often as possible. His responsiveness, accuracy, and turn around time can't be beat by anybody. You can tell that Josh and his team have been in the mortgage business a long time, and know the ins and outs to make things happen quickly. I've already referred two people to him, one of which is my Realtor who told me just the other day that he's switching to the Josh Mettle Lending Team as his preferred lender, all after one transaction with them. I'm recommending the team to everyone I know.
I'm happy to answer anything regarding Drake. Our experience with him was top notch! We are so impressed at the level of professionalism and comfort in our re-fi with him. Drake is excellent at explaining the process as you go, and we always knew where we stood during the course of our re-fi. It was so nice not to have any surprises. And for once, we really felt we understood the breakdown of what was happening. From day one we felt honesty, comfort and loyalty from Drake. This process, which can be a headache, was actually fun! We couldn't be more pleased. We look forward to working with Drake in the future, and have already recommended him to several friends and co-workers who would benefit from his services.
Thank you so much for your business, we are so pleased.
Regarding David Nelson, Loan Officer, The Mettle Group
The team did a fantastic job for us. We were well informed during the process every step of the way and greatly appreciate all of the hard work that was put into our loan. Of course we will recommend the team to others who are wanting to refinance their loan.
This is my second opportunity to work with Josh Mettle and his team. My first experience was so great that when I received a flyer from a different mortgage broker I immediately contacted Josh to see if he could give me the same offer. I could not be more pleased with the terms of my loan, the speed and ease of the process and the wonderful service provided by the whole team. The thing I value most about Josh and his team is the high level of integrity. I know that I can trust them with my mortgage loan and in today’s world that says a lot.
I do not have any referrals at this time but I always send people his way when I hear of anyone.
I can honestly not say enough good things about Josh and his team. They are an amazing group of human beings who live up to the very high standards that they set for themselves. There are a lot of companies who spout the 'do what you say, say what you do' slogan. There are not many that deliver. Being honest, Josh and his team went over and above any expectations that I could have had. They answered all my questions, explained every step of the paper work, returned calls and e-mails prompty even on weekend or after hours which impressed and surprized me more than I could have anticipated.
Every member of the team displayed outstanding customer service, kindness, and professionalism. Every member of the team legitimately cared about my family and the success of our home loan process. The inter-team communication was evident as everyone that I worked with was absolutely aware of what my situation was and where I was in the process. I have already recomended Josh to several friends and would not hesiate to do so again.
Josh was fantastic to work with! His knowledge, skills, and quality customer service helped us to lock in on an unbelievable interest rate. We really appreciated how quickly he responded to our calls and emails. Of course we would recommend the Mettle Group to all of our friends, co-workers, and family and would use Josh again for any future real estate transactions.
Thank you Josh for being so helpful during our rough new construction project!
Just wanted to thank you and your excellent team for the arranging and assisting us with our refinancing needs and successful closing. We would like to wish you and your family Happy, Healthy and Prosperous New Year!
My experience with Josh and his team was better than expected. It was by far the best finance process that I have encountered. The turnaround time was great. The team was very professional and knowledgeable. The most impressive part of this process was the fact that we were able to open and close this entire process from the comfort of home/work. I will surely spread his contact information for referrals. Thanks for a great experience.
Drake was great! As first time buyers, we had a ton of questions and Drake was able to answer them all. He did a good job of explaining the process, helping us understand the fees / total costs and 'dumbing-down' the information so that we could understand what was going on. We feel lucky that we had Drake on our team as we went through this exciting and stressful process. We would definitely recommend Drake to any of our friends.
I had a great experience with the Josh Mettle team! My loan was small and I knew that it wouldn’t give you guys a very good profit. Honestly, I was worried that because of this my experience wouldn’t be that great with whomever we went with. I couldn’t have been more wrong. I got an amazing interest rate and amazing service. I can’t imagine going with anyone else the next time that we buy. I won’t hesitate to refer anyone that is even thinking of buying.
Josh and his team were fantastic and over-communicated throughout the process. I have already recommended 2 friends to him.
I’m so happy that everything ran so smooth. I often felt like I was missing something, but you guys had taken care of everything for us. I don’t feel like I had to bother you too much with questions because it was all laid out in the beginning and you notified us of the only documents we had to sign (which I loved not having to fill it all out). We received updates on our file throughout, which was much appreciated. When the first option we wanted fell through, David gave us another route to help our situation. The lower monthly payments will definitely help out. Thanks to your entire team for getting us the best rate available and for keeping us informed. Thanks for the reference Kim, love ya!
I don’t have any referrals as of yet, but I would be more than happy to provide your information if/when I do. We’ve told others about our interest rate so I’m sure it will only be a matter of time. We were completely satisfied in working with you and will send others your way.
My experience with Drake Bloebaum and the Mettle Group team was efficient, courteous, and very productive. I don't know how it could've gone any smoother. I have no reservations about referring anyone to you folks for refinance. Keep up the good work.
Here is a summary of my experience with Josh and team:
Josh and his team were very responsive. I was amazed at how quickly and efficiently they moved our loan through the process. The provided ongoing status updates. I never had to guess where we were in the process because of the timely updates. From start to finish, we closed within our timeline without a single glitch. Thanks to Josh, Matt and Theron for a great experience. I will definitely recommend them!
Drake Bloebaum was a pleasure to work with. He was very timely with any communications and quick to answer questions. His team was equally as helpful. All the information was disclosed and explained in a manner that we could understand. I would definitely recommend Drake and his team to others looking for loan assistance.
Josh and his team were great throughout this entire process. We were pre-approved for our loan very quickly! (We had also applied for a mortgage loan through Mountain America Credit Union. Did not hear from them until Josh and his team had approved us, and we had received an accepted offer on this house)
We also found out that this house we purchased had popcorn ceilings; about $5,000 worth of asbestos abatement had to be completed for my family to be OK with purchasing this house. We did not have $5,000 to spend on such abatement. Josh saw a way to make this happen and he handled it. We couldn't of gotten this house without his hard work! It was a very special case and I can truly say that NO OTHER COMPANY COULD OF MADE THIS HAPPEN. Great job team.
I've also dropped Citywide Mortgage as well as Josh Mettles name to multiple individuals. We will probably never buy another house again, but if we do, or if we hear of family and friends in the market we stand by Citywide, Gold Beacon Real Estate and Founders Title. Once again.. The ONLY WAY WE GOT INTO THIS HOUSE.
Thanks again for all of the hard work!
And by the way, we love sending people your way!! We speak highly of you and our friends who end up working with you, always speak highly of you as well. We appreciate your efforts to always do the best… so really, thank you!! :) You always make this process a whole lot easier and it is nice to have someone to trust!
I am greatly satisfied with Drake Bloeboam and the Mettle Group team. This was the first time that I had ever bought a home and they made the entire process very efficient and manageable, even with my work schedule. They kept me constantly updated during the entire process from pre-qualifying to closing. Everyone I worked with was very friendly and knowledgeable about the loan/underwriting process. I would not hesitate to recommend their services to anyone who was looking for a personal, professional and stress free loan experience.
First time home owner,
We would love to write a review for the Mettle team without any compensation.
First of all we want to thank you for all of your hard work in helping us move into our home. This has been a dream for a long time for us and because of you and all who work there we were able to achieve it. We also want you to know that we are already referring you to friends and family, and will definitely continue to do so. There would be no reason for us to refer to anyone else as you were the ones who were able to help us! Along those same lines, our agent was definitely impressed with Josh and his team and told us that she would begin to refer to him as well. And the title company we went through, Aspen Title, was very much impressed with the work you did and repeatedly voiced this throughout the signing of the papers.
That being said we will say that from the beginning Josh Mettle was very, very helpful and knowledgeable about his line of work. He was confident and easy to talk to especially when our situation seemed too out of the ordinary to qualify for a home loan. We were able to tell him our situation and he immediately came up with two solutions that may work for us. I'll add that no other lender that we had spoken with previously presented us with either of the solutions that Josh did. He was very professional and had no agenda. He allowed us to discuss the best possible route we would prefer to take and we contacted him again with our decision. From that point on Josh and his team took our application on and worked on it as though it were their own. We were contacted frequently and given all information as soon as we needed it. That was such a comfort, because as anyone who has gone through the home buying process knows, it is, and can be quite an emotional process. The Mettle team never let us down. We could always get a hold of anyone of them if we ever needed to and as stated before, they always kept us updated.
It was really such a pleasure to work with Josh and his team Matt, Debbie and Kim. I know there were others but never had the opportunity to talk with them.
We are very glad that we found them and are more than happy with the outcome. Thank you for all that you have done. We will certainly pass on our experience as we come into contact with friends and family that are looking for a professional and successful team to help them move on with their dreams. Thanks again!
To the Mettle Team,
Thank you for all the hard work and detail you provided me along the journey to home ownership. From day one, you were always available to answer questions and give me the direction I needed to proceed with getting my mortgage loan.
You were very helpful as we approached the closing date and I appreciate the communication with my real estate broker. I am very please with our new home and grateful for everything you have done to help me realize my dream of ownership.
I would surely recommend you and your services to anyone who is in the market to buy a home. I have several associates that may be looking this next year and I will have them contact the Mettle team when they are ready to start the process.
To Josh and his team:
I want to thank you all for the time and effort put forth to help us with our loan and complete everything with the time crunch we were up against. I know there were a lot of hours put in and perhaps a late night or two to get all the required documentation for the underwriters. When I had questions there was always someone around to answer it even when you were out of town. I appreciate the feeling you gave to us that we were the only client and the attentiveness of all your staff. Yours is a very detailed and time sensitive business and you came thru for us.
Again thanks so much and I wish you well for the upcoming Thanksgiving holiday.
Matt did a GREAT job and exceeded expectations. Any referrrals i have in the future i will confidently send his way!
Josh was outstanding, a true pro in the world of residential lending.
Thanks Josh. BTW, you and your team did a fantastic job with my home loan. It is nice to work with competent and responsive professionals. Please use my name as a reference anytime. I will certainly refer anyone I know that is in the market for a home loan to you.
Thanks so much Matt! Really, you guys and the rest of the team were great! We love the new house... although definitely look forward to the unpacking being done!
First of all, I would like to give a big thank-you to everyone in the office that made this re-finance so easy. We never had a problem with missed phone calls, late e-mails or missing documents. We always knew exactly what the status of the loan was and could always get ahold of someone in the office for any questions. I was anticipating a slow, painful process and what I got was exactly the opposite. You can be sure that I will be referring anyone that I know about who is looking to refinance a mortgage. Thanks again
I promise to refer any of my friends who are looking for a home to you guys! You guys were seriously great and super quick so thank-you so so much!!! :)
To whom it may concern,
We had a great experience with Josh Mettle and his team at Citywide. Josh was extremly thorough as he prepared us for our loan. He made sure we did all we needed to do with our finances in order to get our loan approved. His advice was extremly helpful throughout the entire process and due to his expertise, we were able to get out loan and close on our house when needed. We also felt very valued as he kept in close contact with us and made sure we were well informed through the process. He made himself available and was patient as we had questions throughout the process. We will definitly refer Josh and his team to our friends and family who will need assistance with home loans in the furture. We will also make sure that we use Josh for any furture purchases ourselves.
Very happy with the process and very happy to be in our home!
Thanks so much,
Dr. Casey and Haley Bachison
Thank you for giving me an opportunity to tell you and others how much I appreciated all the work that Josh and the team put in to assisting me. I have to say that Josh was absolutely wonderful to work with. This has been something that I have been wanting to do for some time, but found that I needed to do a few things before I could get my credit score where it needed to be. Josh walked me through the process, gave me suggestions and always made sure to follow up with me from time to time to see how I was coming along. It was much appreciated. Being first time home buyer can be very stressful – your team made the process very easy and worry free.
Sorry it took me a few days to respond...
First off I want to say that I've been extremely happy with Josh Mettle and his team (you included). You helped me achieve something I didn't think possible at my age for which I am extremely grateful.
A few constructive criticism:
1. I wish I knew how much back and forth paperwork there would be as we went further in the process, I'm not sure if you can really help this, but getting the client as many forms as possible at one time would be helpful.
2. I felt like I had great response by phone with Josh and David, but when contacting Heidi I felt like I had to email her to get a response. Maybe she prefers it that way... I understand she is extremely busy and probably doesn't have time to answer phone calls, but just something I noticed.
3. Also little things like knowing I had to get home owners insurance (something most people probably know) and when exactly I needed to get it.
I really had a great time working with you all, and will definitely give out referrals in the future.
Allie R. Shapiro
Everything went GREAT! I really am so impressed with how efficiently and seamlessly you run your business. Brian and I were talking about you and how you are the best at what you do! You have this stuff figured out! It was so easy and I never had any questions about what I was getting and what the next step was. I cant say it enough-- You are amazing.
Thanks so much for all you do for us. I'm thrilled about the refi and I want to send everyone I know your way!
Thank you!!! This link is great to have!! You and your team have been great to work with, it made home buying a good experience. We will defiantly recommend you and Jenn!! You both are the BEST!!!
Kam and Brittney
Working with Josh Mettle and his team was great. They were always prompt and able to answer any and all of my questions; being a first time homebuyer I had a lot of them! I would recommend using Josh and his team to any of my friends and family members. I am so glad that I used Citywide Home Loans because they made the process fast and easy for me. Thank you for helping me get into my dream home!
Drake Bloebaum is an awesome person to work with – the best I have ever worked with when buying or refinancing a home! He was so knowledgeable, friendly, and helpful. I didn’t work much with anyone else in the group – but Drake always took good care of me and kept me informed as to what was going on. I would be proud to refer him to anyone – and will keep his name on file for any future use I may have.
You and your team did a fantastic job in helping us get into our home. You really showed your skills in working through some of the hurdles preventing such a fast close. I'll definitely recommend you to my friends.
We were very happy with Josh and his team for our mortgage refinance. We felt like all our expectations were met or exceeded in the amount of effort we had to put into the process, in the way we were treated even after the beginning phases while trying to get our business, in the timeliness of the whole process, and in how promptly and efficiently our questions and concerns were answered. I had phone or email contact with all three of Josh's team, and was pleased to have every email inquiry I made answered in under an hour.
The whole experience was relatively painless, and we're so happy to be in our new loan at such a great rate and term. We intend to recommend Josh to any friends and family who may be looking to buy or refinance. No one we currently know is in this phase, but we will happily recommend Josh if the opportunity presents itself.
Thanks again for the great experience!
Thanks for all of your help through the process. You are a true professional and excellent at what you do.
Thanks also for slightly over-estimating our closing costs; you previously told us $5,606. We'll be happy to bring in less than have to find more money.
Dan & Lisa
My experience in obtaining the financing for our home purchase through Josh Mettle and Team was nothing short of exceptional! From the very first phone call to Josh, right through the closing, I never had any doubt that our needs were given the highest possible priority. Josh and Team always presented a professional and knowledgeable approach that created a rather stress free process. I feel as though “the Team” set the bar so high that unless I return to them for my next purchase, I know I will find nothing but disappointment.
I have already encouraged more than one friend to seek Josh for their financing needs, and will continue to do so as the opportunity arises.
Please thank Josh for the Bill White Gift Card he sent us and we will also follow up with a personal Thank You card in the near future.
The services I received were great. Very fast and we were kept informed as the process proceeded. I have actually already referred two couples to Josh.
Our experience with your company was good, however there were some points along the way that caused us some real inconveniences. I understand that every loan is unique, and that the documents required for each one can vary greatly. However, it seemed to be that every day there was something popping up that hadn't been signed, or a document that hadn't been provided. Closing on a home is extremely stressful as it is, however there were multiple times where I felt like I must have been one of a thousand loans being closed by your company at the same time. Things were constantly slipping through the cracks. Even after we finally closed and signed for the home, we were contacted later the next day informing us that we were still missing documents.
All in all our loan was approved, and we closed on schedule, so I can't complain. I do know that it was a very busy time for your company, and I can understand the stress your group was probably under. I was very impressed with Josh from the beginning. He has always treated us like we were his only clients, and I really appreciated that. He also gave a discount on his costs to make sure that we could financially make the deal work.
I haven't hesitated to refer him, and I actually already have him working with our good friends. I'll continue to do so.
Our experience was incredible. From beginning to end things went so smoothly and professionally. The title company said that they could not believe that things went through so quickly. And couldn’t recall ever having a closing happen that smoothly. I have already referred one friend to Josh and will not hesitate to refer others.
Thank you for the opportunity to talk about my experience with Josh Mettle and his team. This was my first experience buying a home, so naturally I had a lot of things that I had to learn and many questions. I am happy to say that Josh was very helpful in answering my questions. One of the best things that made the home buying experience enjoyable was that Josh always responded to my messages quickly, whether they were emails or voicemails.
Josh worked hard for me. He was always willing to provide me with the necessary information on different proposals so I could make the best decision for me. We ultimately ended with a great loan, which made this whole process even better. I learned quickly that I could trust Josh to get me the best possible loan and provide correct, detailed information.
I have already referred one person to Josh and his team and will continue to do so. I am glad to know that I have found a great team of lenders that I can use in the future as well.
Thank you Josh! This has been an incredible process, and we feel blessed to have come in contact with you.
Matt & Margie Dimond
We have had a great experience working with Josh! He was always very efficient with everything. Josh and his team did an excellent job making sure we had everything we needed to close. I am very pleased with the service we received from your company, and would highly recommend you to everyone!
Josh Mettle was the 4th lender/broker we contacted in our search for a home. We'd had terrible experiences with the others we'd worked with: uneducated staff, lack of follow ups, and just an overall lack of desire to help us. With such a crazy market and economy, it was difficult to find someone we can trust. since we'd been mistreated already, we were nervous to even call anyone else.
When we called Josh we told him our concerns and he assured us right away that we'd never have those problems with his firm. Not only did we not encounter those problems, I'm sure I called and pestered everyone there, and everyone was still patient and put up with me!
My husband and I had a few credit issues in the past and with all the new lending rules, our case went through so many problems. Josh and his team were there at every stop, ready to fix the problems and get our loan done.
Josh and his team really pulled through for us and we're so happy they did, we love our new home and we will definitely use Josh again when we're ready to "upgrade". I've recommended his services to everyone we know!
We really are so thrilled with the services at Citywide and we're so grateful to everyone there for working so hard for us. Thanks for everything!
Josh, thank you so much for your help. You have been efficient, straight forward, honest and kind. It has been a pleasure to do business with you and we won't hesitate to refer you to the world!!
Thank you again,
The Terrys loved you. They said all future referrals of friends are you and me 100%.
Thanks man- Good Job-
Jake Breen MBA
Managing Broker, Sotheby's International
Thanks for all the help.
We enjoyed working with your team due to your prompt attention to our concerns and taking time to discuss the process with us. We also enjoyed working with Ryan as our realtor and were happy with everybody involved. We were at time frustrated with the process, but you all made things much easier to deal with and we appreciate everything you did.
We would be happy to send you any referrals we come across.
Thanks for everything.
Josh made the loan possible and I can't believe how easy he made the process! I will definitely recommend him and his team to anyone who's in the market. My Realtor Jon was awesome! He was patient and honest
The whole experience of working with Josh and his team was amazing. You guys were all very helpful and willing to what it took to help me get into my first home. You made the buying experience very easy and Hassle Free. You definitely knew what to do and the best way to get it done. I would gladly recommend you to family, friends, and whoever else I know that would be needing a lender.
Thank you so much! We appreciate all of your help in getting us this house!
Also, thank you for the link to view our house! That is awesome that you guys did that! We will be sure to refer people to you guys that are trying to buy or sell.
Thanks again, and have a great day!
I would say that my refinance experience with Josh was a positive one. It seemed that there were some "bumps" in my situation and Josh worked through them and we got it done. Thank you, both, for everything you did to get my home refinanced.
I don't know of anyone who I can refer to you at this point for business. But if I hear of anyone, I will give my referrals to you.
Thank you again.
Working with Josh Mettle's team to refinance our house was a painless act that save us thousands over the life of our loan, plus we were able to take out a bunch of money for home improvements to add to the comfort of our life. We had issues that surfaced in the loan process because of my recent divorce, but they did most everything for me and delivered the loan as promised. I will never work with another loan team, they had won our business for a lifetime.
Words cannot describe how appreciative I am of all that Josh and his team have done for me and my family! I have worked with Josh on multiple refinances as well as a new mortgage over the last 7 years and he has always taken the time needed with me to make sure things are done correctly and that I'm pleased with the outcome. Even in my hardest times of life, Josh helped to coach me and provide guidance to improve my situation to be able to get our dream home. I have also referred multiple friends and family to Josh who have thanked me after their experience since the service provided definitely exceeded their expectations. Hands down, his team is the only place I would send the ones I love!
Thanks you again Josh and team for keeping me sane during all of the trials we've gone through in getting our home and standing by our side until the end no matter how crazy things got! We couldn't have done it without you! Your team is truly the quality of people I wish everyone was and I will be forever in your debt for making our dreams come true!
Thanks for all your work! You and your team were professional, punctual and kept me in the loop in every step of the loan process. I knew exactly what to expect from start to finish and was also impressed that you were there for my closing!
Kudos to you and your team!!
First, my mortgage experience with Josh, you and CityWide was remarkable. I could not have asked for a better "finance team" to work with. Early on, Josh (or you) sent me a brief description of what the 4 week loan "process" was going to be like and it was right on. You guys were proactive and delivered what you promised. Thank you.
Secondly, Jake Breen and his team were also outstanding. I loved the "pit bull" mentality they had of aggressively pursuing the property at a fair price.
Lastly, I would be happy recommending Josh and you along with Jake to anyone. In fact, Jake and I have already referred the Robirds to you through their real estate agent. We have accepted an offer from them for my former home on Millcreek Road. Hopefully, with your assistance, we will be at another closing with CityWide within the next few weeks. In addition, I have 3 children that will be looking to buy homes in the future and will encourage them to contact you.
Again, thank you for your fabulous service.
Our mortgage experience was great. We were kept informed of what was going on at all times – I really like that.
The whole process went very smoothly. We will definitely recommend Citywide to our friends and family.
Thank you so much for all that you have done for me, you have been the absolute best to work with. I am so thankful that you flowed into my life and blessed it with you absolute professional attitude, friendly persona, and the ease you made this whole process. After completing all the paperwork with the title agent, I came away from my closing table MORE impressed than when I went in. Thank you, Thank YOU, THANK YOU. I cannot tell you what a pleasure it has been to work with (and continue to work with) you. Seriously it was perfect that I had some time to visit with my friend/realtor before the closing. It really assisted me in further learning and led me to realize that I get to speak with an accountant right away to start thinking about the Income I get to claim on NEXT years taxes. So, for me the wait time was a literal blessing, and educational experience. And to think everyone was happy to wait for me to learn that bit of info before the had us close. Also, my boyfriend was able to make it because we got to wait. Everything happened in it's perfect time for me.
Citywide Home Loans is a terrific company with wonderful people. Josh and his team members went above and beyond any and all expectations we had for our loan process. They were upfront, professional and experienced in every facet of their business, and helped us understand what was happening and win in the process. It is my pleasure to write this letter and I hope each member of the team understands that they made a difference.
Our mortgage experience with Josh and his team was very easy and efficient. We were updated weekly with the progress of our loan and all of our paperwork was processed in a timely manner. We didn't have to worry about if stuff was getting done or not because Josh and his team made everything so easy and run smooth. If we have people that are planning to buy a house we will refer them to Josh because his attention to detail and his willingness and drive to accommodate his clients and get them the best rate possible.
My experience with Josh was a positive one. He was knowledgeable and his staff was responsive.
Josh and his team did a great job. It seemed surprisingly efficient for what is typically a very inefficient and frustrating process. I’ll recommend anyone I come across in the market for a mortgage.
After two frustrating months of trying to get a pre-qualification letter from one of the nation’s largest banks, I was referred to Josh by a work colleague. Josh was able to get all my paperwork over the weekend and by Tuesday I was able to get a prequal letter so I could make a timely offer on a short sale. Josh and his team was very responsive during the underwriting process and very informative in helping me with my rate lock. I highly recommend his services.
The level of service and knowledge provided by Josh Mettle, David Nelson and Jeanmarie Gonzales was very good. They were responsive to e-mails, phone calls and text messages. Their responsiveness was very good. The closing documents and explanations were very good. In today market where extensive documentation is required, the team was patient and worked hard to get over stumbling blocks and delays out of their control. I would recommend CHL because they closed my loan within about a month which is great in today’s cautious lending practices. Number of expected documents were more than the past few years when the economy was better. However, the team processed them in reasonable time and with professionalism.
Thank You Josh and Team!
I just wanted to take a moment and tell you how much I appreciate what you and your team have done for me. David Nelson was a stud! He is a Rockstar. I really appreciate the hard work that everyone did on my behalf, and your patience with me. I definitely know where my friends and I are going for our future financing needs.
Success! Thanks so much for your help in sorting this out, your company is always so responsive and easy to work with. I greatly appreciate your team! Have a great afternoon
WHAT?? I absolutely cant believe that! I am truly stunned right now Josh! I wish I could of answered your call but dang it,I am always driving my little kiddies around when I get the good calls!! Wow,I cant even thank you enough Josh for your credit simulator program,it totally saved us. I need to do it with my credit next,it is amazing.
We are so happy right now,I cant wait to get offering on houses! I have 4 that are in our pruice range which I love!
Talk to you soon,thanks again
Thanks for all your help. Your credit program worked better that I would have ever expected. We went from fair to excellent credit in a few short months. Awesome!
Junior Software and Web Developer
Thank you so much for all you have done to get us into our dream home. Both you and David did an excellent job of keeping us informed and comfortable with all of the financial information. We truly appreciate all of your hard work.
Matt & Michele Brinkerhoff
Lot 221 Valle di Villa – Ivory Homes
I am extremely happy with my experience with my current home purchase. We wandered in to the Ivory model hoping to get a look at the plan I had been looking at online. Wid was very helpful with information on the Ivory townhomes at Highbury. We fell in love with one of the manager special units. Wid then went on to highly recommend Josh as a mortgage broker who he trusted completely. He said that Josh would do his best for us and keep us informed of progress.
Wid understated how very good Josh and his team are. I have been frustrated in the past with other mortgage brokers I have worked with because there were frequent delays and problems. With Josh and his team they told me what to expect upfront. They promised to keep in touch and did so. When additional information was needed that might have delayed things they promptly requested the information and made sure that it was correct. In fact we even closed earlier than Josh originally estimated. I will definitely use Josh and his team for any future mortgage needs and refer all my friends and family to him for their needs. Thanks Josh, David and Jeanmarie.
Doing business with Josh has been a pleasure. He has always been there for any questions that come up, and is always quick to return my calls. I have always felt he gives honest advice, and really knows his business. We enjoy his news letters he sends out too. He made this refinance very easy on my part. I will gladly refer my friends and family to Josh, as I have done in the past.
I am very pleased to recommend the Josh Mettle Lending Team. In fact I already have promoted you to one of my friends. Expect more to come.
Alydia and I are delighted with the high level of service we received. I approached Josh at the recommendation of my friend Kent Whipple. We were in a difficult situation with excellent credit scores but two variables that made this a tricky transaction. Josh listened patiently then dug into my case with expertise and optimism. It took some doing but Josh stayed on the job until he got me the loan I wanted and at an even better rate than I had hoped for. Josh is a total rock star!
Our closing experience was wonderful as well. Every touch point with your team was top notch professional. We are raving fans!
Working with Josh was wonderful. He is very considerate and he worked very hard on getting the best interest rate. I have been to Josh twice and I will go again when and if the time comes. It has been a pleasure working with team. As far as referrals I will honestly work on that.
Thank you for a job well done.
It is easy to write about Josh and my experience with Citywide Home Loans. When I first started contemplating buying Paige’s home I had literally no idea how to buy a house! I didn't know where to begin or who to call. I asked Paige who she had dealt with before and she had Josh's card available and I made the call! Josh was very friendly, caring, and answered my questions to my understanding. Believe me, I am a true novice at this. You both made this so incredibly easy and PAINLESS. Thank you for such great service! I will recommend you to my friends!
I have just finished refinancing my home through Josh Mettle. I was referred to him through an old client of his. I am so glad that I followed through with the referral. Josh and his whole refinance team where great. The timing from contacting Josh and funding was so smooth and FAST. Josh and his team were there to answer any little question I had. And trust me I am full of them. Josh is very informative and sends you very useful information. Thanks again!
Both Gary and I were very impressed with the way our mortgage was handled. Josh explained everything to us, it has been over 30 years since we had our last mortgage, so we had a lot of questions.
We appreciated the way you and Josh handled all of the paperwork for us, We also felt that Chantel Markel went out of her way to meet with us and help us in anyway possible. I would definitely send any referrals to Josh as well as Chantel. Mark Jones also went out of his way to help us as well.
Thanks so much for all of your help, you made the experience a good one.
My experience with Josh and having used him before was quite enjoyable. We had no glitches in the processing and my wife and I are very pleased with his honesty and ability to work the loan rate out. He also keeps us informed with his monthly newsletter. The newsletter keeps us up to speed on the changes going on in the market as well as things we might need to think about relative to taxes.
As far as referrals, I have already given Josh two referrals (Vince Rocco and Dave Nichols) who are associates from work. I will continue to pass on anyone that might be interested in buying or refinancing.
Thanks for your help in getting our deal closed.
Skylar and Josh were so great to work with! We put them through a lot and yet they stuck it out with us. I appreciate all that they went through to get us into this home. I know Josh not only spent time on us but he spent his own money to get us into our home. I appreciate that and know that any other person would not do that. Thank you guys for all that you have done for us. We love our new home and we love the fact that we will not be paying someone else's mortgage! Thank you again and believe me I have told everyone I know about Josh and how wonderful he was to work with. I do hope that they will call him soon.
I will definitely refer Josh to everyone I know, because I know we could never have gotten through the loan process without his help. Buying a home is incredibly stressful and difficult because of the responsibility the buyer is agreeing to take on, but Josh’s integrity helped us through the entire process from beginning to end. Thank you Josh! And thank you to all of those who worked so hard to help us qualify and receive a home loan—we are so thankful to everyone involved. Thank you for helping us to achieve our dream of homeownership.
Thank you so much for all your help with our construction loan and our long term mortgage. You really know your job well and made us feel like we were your most important customers. We know we got the best rate because of your skills and knowledge. You are wonderful and we just wanted to say thanks for everything. We will definitely recommend you to our friends and family.
To all Future Home Owners,
Working with Josh and David to obtain our recent mortgage was almost too good to be true. It was lots of work providing all of the documentation, but there was never a time when we could not get a question answered. All inquiries received prompt attention, and we always felt like Josh had time to talk with.
We mortgaged our first home in 1973 and have closed on several mortgages in years since then. This is the first mortgage that we truly felt a part of. Rather than providing the necessary information and waiting to hear back we were kept apprised of where the paperwork was in the system, what came next, and what was still needed. From the first meeting Josh to closing on our home was 22 calendar days.
We are sold on Josh Mettle and his team. They will have all of our future business. We will refer everyone we know who is in the market for a mortgage to them.
My experience with Josh and his team was great. During this time when lending can be difficult, Josh and his team went the extra mile for us in order to not only get our loan approved and funded but to get us a great rate in the process. The loan process was frustrating at times but Josh was quick to address our concerns and put us at ease. Thank you, Josh and team for your efforts and we love our new home.
Of course I will pass your name along for reference to any friends and family that may be in need of a home loan.
My mortgage experience was fantastic. It’s never seemed that easy to buy a house. Josh’s knowledge is incredible. It was nice being able to call him and get answers right then and there! Every step of the process was as easy as I could have hoped for it to be. He does a great job keeping you informed with daily or weekly phone calls. My agent Tammy was also great to work with. Working with all of you I didn’t feel like I did much but sit back and sign.
I would be more than happy to send any referral your way. Matter of fact I have already started!! Thanks again.
My experience with Josh has always been a positive experience when dealing with refinancing. He has always made it as stress free as a refinance can be. He will always be the first one to be referred to my family & friends; I have the up most trust in Josh on his knowledge & advice. I wouldn't work with anyone else other than Josh.
Also thank you all so much for the smooth transition on my refinancing, we appreciate you all for your hard work.
Working with Josh was great! He was always very nice, no matter how many questions I had, and was always VERY prompt at returning phone calls and emails! After experience with someone who was trying to rip us off, it was nice working with someone who knew what they were doing and getting us a great deal! I have already told people I know to use him! And we will also use him in the future!
I have to say that I could not be happier with my mortgage experience with Josh. He came highly recommended but I still shopped around for bids and Josh was not the lowest as far as origination fees but I chose him anyway because he said to me, 'I sell integrity and therefore I do not discount my points'. I liked that answer. From that point on everything was smooth sailing. Very little paperwork and very few documents were needed. I received at closing exactly what Josh had promised, no surprises. I have never had an easier mortgage loan experience.
I will recommend him to anyone in need of mortgage services.
Josh did a phenomenal job interacting with me as his client. He was ALWAYS right on-point and knowledgeable. But more importantly, he possesses the skill sets to explain the landscape in a way that makes sense to someone who doesn’t deal in these transactions everyday. Further, he always answers his phone and gets back immediately on requests. My transaction seemed more complex than most, and it had some unexpected surprises, including a significant error from an underwriter which made the transaction even more stressful. Through the entire process, Josh was the voice of reason and the knowledgeable subject matter expert that I needed in my corner to successfully navigate the unexpected surprises.
In every way, Josh exceeded my expectations for the service and support he provided on my mortgage transaction.
I’ve already referred him to my friend Spencer Cannon, who currently is the only person I know immediately in the market for a home mortgage. But rest assured that when the moment arises, I will certainly refer my friends, colleagues, and associates to Josh for their mortgage loan needs.
Josh came highly recommended by a friend so I had very high expectations for him. I felt at ease with Josh since the beginning because he first explained all of the details about the different loans and everything else that a buyer, a first time buyer in my case, should know. So I had a good background of information to begin with. After knowing my needs, he explained what the best type of loans was for me and explained the process ahead. I really felt like I knew what was happening at every step of the process and he was readily available to answer any questions I had. This made the whole experience way less stressful and more exciting. I was also very impressed with his staff. They were very friendly, prompt and efficient. Josh and his team met and exceeded my expectations in every way. Thanks!
Our experience with Josh Mettle could not have been better. The purchase date of our new home and the closing date on the sale of our old home created a very tight time line. Josh's experience and expertise made the transition flawless. He kept us informed during each step of the process and was more than willing to answer all of our questions. This included a thorough line by line explanation of all financial documents. Additionally, Josh was able to monitor current market trends and lock us into a mortgage rate that was below what we expected. I would highly recommend Josh Mettle and the team at Citywide Home Loans to any prospective home buyer.
The reasons we use Josh and his lending team abound. But the most straight forward answer is that we know he delivers. We tell him what we want to do, and he suggests the best route. No back and forth phone calls, no unexpected changes, no delays. I always tell people who are interested, ‘Call Josh, we tell him what we want, and it's done’.
I will always do anything I can to get him a new client.
Simply put, when I have Josh and the team on the job, I know it will get done, every time.
Working with JML Team is painless.
Josh was great, Things went well. I have and will refer to him.
This was the second time I had the pleasure of working with Josh, and I certainly hope it will not be the last. No number or degree of superlatives could adequately describe his exceptional professionalism, can-do attitude, attention to detail, accessibility, and work ethic. Whenever even the slightest problem or issue arose, Josh simply did not rest until the problem was solved, and he usually solved it before I even had a chance to return his phone call. Josh is the consummate loan officer and professional.
I/We would be happy to comment on our experience with Josh Mettle. Josh was great! He never avoided any of our calls or put us off. Whenever we had any questions or concerns he did address them. We had to trust in Josh that he truly was getting the loan that would best benefit us since he has all the experience in this field. We feel he did that. At closing everything was as Josh had told us. No surprises. When we decided to we are ready to downsize we will definitely have Josh involved in the process. There is no question, if we know someone who is wanting to finance or refinance their home Josh Mettle's name will definitely be entered into the conversation. We do have one other request of Josh, we would like a couple of his business cards. This way we can refer him and give out his card. Bob does this with our insurance agent to. Since my husband is in the car business, he comes in contact with a lot of people. If the opportunity presents itself he will hand out one of our insurance agents cards and just tell them call him and see if he can benefit you. He would be happy to do the same for Josh.
I am happy to comment about my experience with Josh. I have closed 3 loans with Josh. I was a first time buyer and Josh walked me through the complete loan process. He was very helpful, informative and patient. Since I knew nothing about mortgages at the time, he made the experience very pleasant and less confusing for me. On my last refinancing, Josh was just as wonderful! He provides great service to his customers. I have also enjoyed is attitude through all of the mortgages. He is positive and encouraging no matter what issues my come up during the loan process. I am so pleased with my experience. I have referred a couple of friends to him to aid in their home buying process. I will continue to refer my family and friends to him in the future.
Thanks so much to Josh and his staff!
I found the refinancing experience with Josh a pleasant low stress experience. He is very professional and up to speed on all of the current financing options. Once I gave him the requested material to complete my refinance plan, all I had to do is wait for the closing date. I feel that he really worked hard to get me the best deal out there for my situation. He truly lives by his motto of 'Say what you do. Do what you say. No surprises.' Thanks for all your help.
I have used Josh Mettle for the purchase of three homes over the past three years, one of which was my first home purchase. Prior to Josh I worked with two other mortgage brokers of which I was not impressed with their ability to clearly explain the loan process or details that I felt were important for me to understand. My experience has been much different with josh because no matter how simple or insignificant my questions were he was very willing to spend the time to explain to me details. After a number of times of working with Josh I referred him to my friends and family who have expressed to me their frustrations with other brokers. At no surprise every one of my friends and family has had nothing but an excellent experience stories to tell. If you are looking for an excellent broker who you can trust and expect to walk away from a closing with no surprises, I would highly recommend Josh Mettle with City Wide Home Loans.
Our experience with Josh has always been wonderful. He always keeps in touch with us by sending mailers each month. We have now been working with Josh Mettle for almost 6 years. He always answers his cell phone and is willing to help answer any questions that arise. He was very prompt in getting back with us on what was needed for this refinance. He sent out the appraisers within the same week of discussing our plans to refinance our home mortgage. Josh has always been someone we would refer to anyone and everyone who mentions wanting to buy a house or refinance. He is very honest and straight forward. We have never played the runaround game with Josh. We would like to thank Josh for all of his hard work and honesty...qualities that are hard to come by these days.
We really appreciate the quick response from Josh and David regarding our recent mortgage. On day one, when we needed a pre-approval from Josh for an offer we wanted to make on a home, Josh was awesome. We were talking to him on the phone at 9:30pm trying to fill out a loan application. By the time we got home we had a pre-approval waiting in e-mail. We felt like we were being taken care of and the details were not being overlooked or put aside. We have worked with other lenders in the past and had some bad experiences. We did expect to have the same experience this time, but was pleasantly surprised at the efficiency Josh and David worked under. Time was a critical factor with this purchase and Josh got the job done.
Skylar did a good job as well. Because time was a critical factor, we feel he did everything he could to help the process along. He made himself available whenever we needed him. He also referred us to Josh, which ended up being a great experience overall. We will refer others to Skylar's services as well in the future.
We have always enjoyed working with Josh. Recently we referred our son to Josh for a refinance of his home. Obviously, we would not have done that if we were not pleased with what Josh has accomplished for us.
Josh has always been very informative and clear about the lending process, including rates, loan packages and timelines. He always answered questions and returned phone calls in a timely manner and never seemed frustrated with us when we wanted to see a new Good Faith Estimate based on different rates or packages and would even send them over email after the work day was done. We felt confident that we were able to get the best loan available based on his watch of the market each day and his access to information from multiple lending sites.
Buying a home lends itself to a process that can be frustrating and tedious. There were moments that felt irritating because of the underwriting process and although we did take our frustration out on anyone who would listen, we understand that the lending requirements and regulations were to blame for the frustration and not any person who was involved in purchase of this home. Josh was always quick to help us understand the reasons behind the issues we ran into and never got irritated with us when we felt frustrated. He really did do a great job and we appreciate him for his patience with us.
I would be happy to refer people to Josh. I don't know anyone in the market to buy a home right now but will pass along his information whenever I can.
Our experience with Josh and his team was very pleasant and surprisingly much less stressful than I expected. Josh was very professional and pleasant anytime we talked with him. Although he used the rest of his team to assist him he was always personally available for our needs and responded quickly if we could not get a hold of him the first time. I truly was surprised how smoothly things went especially since this was our first home purchase. Everyone on his team was accommodating and did most of the leg work to get our loan processed and funded. I feel like they went above and beyond my expectations. Overall our experience was really very pleasant.
I do appreciate you taking the time to inquire on the service my husband and I received during the refinance on our home loan. I really enjoyed working with Josh he was so nice to answer all of my questions and I especially liked how quickly he responded to them. I would definitely work with him again on any mortgagee endeavors we decided to do in the future.
Everything seemed to work out great for us and without any problems or glitches which is so nice.
Thank you again for the great customer service and for all your advice!
My Mortgage experience with Josh and his team:
First of all, I would like to thank Josh and his team for following through all of the hoops required to get my loan refinanced in these trying times.
I received a complete list of all of the items needed in order to complete the refinance.
I responded with all items on the list very quickly and received quick answers to any questions that I had.
I was always just an e-mail or telephone call away from the answers to any questions regarding my loan.
The team was persistent in working to get a perfect lender for my loan and I always had great service no matter which team member that I was working with.
It was important to me to be able to know the fees required in advance and be comfortable with my closing and to have it completed as projected.
I would definitely refer anyone looking for a finance or refinance to Josh Mettle and his lending team.
Business Administrator for Westgate Business Center
Salt Lake City, UT
We really enjoyed working with your team at CityWide. We had a simple, easy going process in purchasing our home. Your efforts and time were greatly appreciated and it was nice to be able to get a hold of someone immediately if not within just an hour or two. We appreciate your willingness to work with our schedules to the best of your abilities and expediting the paperwork process so we could sign our closing papers a day early. I know most companies we would be working on their schedule and that really helped us out.
Other than that your kindness and hard work were noticed throughout all of this. We would definitely refer Josh and his team to those looking.
Thank you for everything
To The Josh Mettle Team:
Our entire family cannot begin to express how grateful we are to all of your hard work! Being a home owner has always been a dream of mine and your entire team made that dream come true with professionalism, a personal touch & hard work that went above and beyond all of our expectations. We will never be able to thank you enough.
Mark & Nicole Ivie
(& Morgan, Maegan, Kelsey, MJ, Nate & Dan)
I would like to start off telling Josh and his team at CityWide thank you what you and your team did for us.
The experience that we had was great. They were fast and made it easy for me because just to let you know we were fighting with our old mortgage company for the last 2 plus years to just get it modified and it never went through. So thank you again.
We had a great experience with Josh and his team. At first the thought of buying a house was very overwhelming. Being a first time home buyer only added to that stress. Paul and I both agree that we couldn’t have found a better group of people to work with. You guys were very patient and answered the millions of questions I had. We are very thankful for all that you did for us. We couldn’t be happier with our new home. Now that we are moved in, we feel that not only buying a home, but doing business with Josh and his team was a great idea.
Unfortunately I don’t have any referrals to pass on to you guys but I can guarantee you that as soon as we hear anybody we know talk about purchasing a home we will send them your way. We are so grateful to Jennifer Templeton who gave us Josh’s number, and I’m sure anyone whom I give his number to will feel the same way.
Thanks again for your time.
My experience with Josh and company was AWESOME.
My experience with Josh and company was AWESOME.
Good day Josh , just wanted to thank you so much for all the work you put into helping us with our home. You did an Excellent job. We are all super excited. You made our dream a Reality.
My experience with your company was great. Every step along the way I like that I was able to ask questions and each person I worked with was more than happy to help me. I felt that every step of the way there was a priority put on getting me into a home. I was also well informed every step of the process, and if there were issues with a few things I was also notified of this. Some people may not appreciate being informed of hiccups that take place along the way, but I prefer honesty. I really liked that I was informed every Thursday through an email or phone call from David. I liked that the expectations of what type of service and when updates were given were set from the beginning. Also really liked the receptionist asking if I wanted a beverage!
I also really liked the pamphlet that was sent with my paperwork explaining what everything was as far as the annual percentage rate etc. I priced several things as far as appraisal, inspection fees etc and found that I was not overcharged. This was extremely important to me, being a single mom every penny counts!
I will be more than happy to refer people I know to your business in the future. It seemed like customer service is something your company values and it shows!
Thank you for your services!
Thanks again for the great service you provided on our loan. It's honestly some of the best customer service I've ever experienced!
Happy to share a few thoughts regarding our experience......
Having not been through the process of buying our own home we had no idea what to expect when it came to financing, particularly because ours was a new build. To our delight, not only were we satisfied with the financing package that was put together, but we also found Josh's team to be consummate professionals.
The entire process seemed to be streamlined eliminating unnecessary or redundant tasks, and communication was clear and prompt. My wife and I found all members of the team to be courteous, respectful and patient, which was important as we were first-time home buyers. Moreover, all parties took appropriate measures to make sure we understand each proposal when it was presented.
Thanks again, guys!!!
I can sum up my experience with Josh and the City Wide Home Loan team in two words. Extreme Professionalism!!!
I was very pleased with the communication and services that the staff provided, Your team did exactly what you said and never under delivered on service, which is missing in a lot of today's business. I will definitely recommend your services to everyone I know that is needing home loan services and will also use you again if the occasion arises. Thanks again for all of the work and help you gave us.
We were very pleased with the services offered by Josh Mettle and his mortgage team. Josh and his team are knowledgeable in the field and were always able to answer all of our questions, often responding by email within minutes. We loved how that he informed us of each detail of the process along the way. His customers know exactly what to expect all along the way. We were very impressed with the timely manner in which our loan was processed. We were able to close over a week earlier than we had first anticipated. We would definitely use his services again and plan to refer our family and friends to him for their mortgage needs.
The experience I had with Josh and his lending team was great. Mandy, David, and Josh all worked really hard to help out with all my questions, being as I was new to all this. They were prompt in replying to all my e-mails and were very knowledgeable. I would refer anyone I know needing a lending team to them. At this time I do not know anybody thinking about buying but I'm sure I will in the future. I will always keep you guys in mind. Thanks for all your hard work!
My experience with Josh Mettle and his team was incredible! I can't imagine anyone who could work as hard as they did. Josh did everything he could to help me qualify and he did! He was also able to get me the most amazing interest rate I've heard of. My friends and family are jealous!
- Mortgage experience :
- Team members were very professional in handling the loan application
- Guidance was very good.
- Paperwork flow was very easy and simple
- Explanation of closing cost was easy understand
- Request for additional paperwork was not too repetitive
- Client was very well informed of the paperwork movement
- Final closing process was very good.
- Overall – excellent
- Yes, I will recommend my friends. I will look out for you.
This is the 2nd time that we have refinanced our home mortgage through Josh Mettle. Josh and his team have made our experiences very positive and successful - that's why we keep coming back for mortgage questions and to initiate refinance activity. The team of Josh, David, and Mandy are professional, knowledgeable, and provide outstanding customer service with quick response to our questions and concerns. They work together to ensure that our mortgage application was completed in the shortest amount of time, with the best interest rates, and the lowest closing costs possible. We have recommended our friends and co-workers to Josh for the home mortgage refinancing needs.
“Excellent, excellent, excellent! Josh and each staff member that I had the pleasure of dealing with was professional, responsive and helpful. I had a few recommendations of mortgage brokers/bankers to consider. I thoroughly researched each option. Josh was able to provide the best rate and had a high level of professionalism. Phone calls and emails were returned promptly and questions answered right away. I felt as though I was in good hands through the whole process…and I was! The closing went quickly and smoothly. The “over and above” customer service did not go unnoticed.
Thank you to Josh and his team for helping me into my new home! “
David, Josh, and Team,
My experience with Josh and company was AWESOME.
My experience with Josh and company was AWESOME.
Working with you guys was great. I have no complaints at all and love how you were all willing to go above and beyond to help me out. I would recommend the team to my family and friends. If I hear of anyone who is looking I will for sure refer them to you all. Thanks again for everything and loving the house.
I put an offer on a short sale home the last week of May. We received notice that they accepted the offer and we had less than one month to close a FHA loan. Josh's team worked very hard on closing everything and it seemed they were working on all cylinders. It was like a machine where if each part worked properly and worked with each other it turned out to be a beautiful machine... haha... that is a lame example but that is truly how it seemed.
Our experience working with Josh and his team to get our first home loan was a great experience. It was easier than I had anticipated and there were no surprises. They let us know if anything came up or changes that had occurred to our loan. I felt like there kept me informed and updated on our loan throughout the entire process. It was a pleasure working with such a professional and friendly team. Thank you for all your help with purchasing our first home and we will definitely be referring you to our friends that are looking at buying homes.
Josh's email signature says "no surprises," and he certainly lived up to this billing. My deal had the potential to be fairly complicated; and there were a couple of curveballs during the process. However, I found Josh's understanding of the situation, and straightforward manner of presenting things, to be very refreshing.
The ultimate proof is in the pudding --I triple-checked every figure leading up to, and including, the close. In every case the numbers balanced perfectly; and there were, indeed, no surprises.
I would have no hesitation recommending Josh to others, and will certainly do so when the situation allows.
I really wish you could see the happiness in the face of my family. How grateful we are to Josh for all the time and dedication you put into the loan and for making my family dream a reality. Thank you again my dear friends.
Thanks SO much Josh. We really enjoyed working with you and your team and were very impressed with our experience. Michelle at Bonneville Superior Title (and our realtor) had a lot of good things to say about David and they were both very impressed as well. Thanks for all your hard work. We’re so happy we used your services and we’re very excited to get the keys on Monday!
Hi David, I just want to let you know that my experience with Josh and his entire team was excellent. I was referred to Josh by my real estate agent and could not be more pleased with her recommendation. From start to finish Citywide was very professional, easy to contact, very helpful with any and all questions and concerns. I liked the way Josh made sure there were never any surprises! I always felt confident in his answers and advice. I also felt equally confident in your advice as well. Mandy was also very helpful and professional. I will be sure to recommend your company to anyone that needs a mortgage lender. Thank you,
Regarding our mortgage experience with Josh Mettle and his team; I must say that the communication was exemplary. Any questions we had were answered immediately and completely. I believe that you can tell more about a person or a company by how they handle things that don't go quite as planned than when all goes well. We will certainly recommend you to friends who may need your services.
We were very pleased with the prompt attention and help you gave to us in refinancing our home loan. We were always able to get in touch with Josh or David with any questions and were able to receive answers to questions very quickly. It was a pleasure to work with you.
We don't know of any one in need of your services at this time. Thanks for your help. We really appreciate it.
|I want to thank Josh and his team especially David and Mandy for their excellent work and patience with us in getting our home loan. They worked hard and fast to get us in our home early and were always available to answer our questions during the process of buying our first home.
Thanks again for everything,
We don't have any referrals for you yet but we will be sure to mention you to our friends who will be looking for a home in the future.
In the refi on our home you were very helpful and very fast at getting things done. They where great the first time on the purchase our home, but they did an excellent job this time. I will refer your company to other people.
My name is Ken Nelson and I moved from Dallas to Salt Lake City in August of 2011 to start a new job. Prior to August 2011 I had never stepped foot in the state of Utah. I received Josh Mettle’s name through my real estate agent, Cindy Wood. We were going to relocate to Utah and we were looking for our dream house. My family came up to visit during Thanksgiving week 2011. We basically had one week to find a house that my wife Angela and I could agree on. Within 24 hours of my family being in town we came across a short sale that had just come on the market. We loved the house which was located on the bench in Draper, UT. The Draper house, which had spectacular views of the city and the mountains, had gone for $880,000 in 2008. We could have the house for $440,000 if we could close within 9 days. Completing a short sale in 9 days is no small task. This is where Josh and his team stepped up to the task. Josh had advised me to get pre-approved for a loan one week earlier (which proved critical). Josh got everyone on the same page (real estate agent, title person, appraiser, inspector, etc). If we did not close in 9 days, we would lose the house. Josh got the deal done in 9 days which most folks thought would be impossible. Josh will work tirelessly help you get your dream house. To summarize, Josh Mettle and the rest of his team (including David Nelson) are AWESOME !
Working with Josh and his team was overall a good experience. Josh and his team were able to do something that everyone else had told us was impossible! With such a short time frame to get things done in, and with our not so cookie cutter loan situation We were very happy to be told that things were going to work out, as we were able to purchase our home, and move in before the holidays.
Buying a home is always stressful, however when I made the decision to buy from the home owner instead of going through a real estate agent the stress quadrupled. Josh Mettle and his staff helped to make the process less traumatic. Whenever I had questions or concerns about the status of my loan they were quick to respond and were always patient and kind. One thing that I was extremely impressed about the Josh Mettle team was that they kept their word about calling back when they said they would.
I feel they were efficient and took great care with my loan application and completed the transaction in the best manner possible. I appreciated their professionalism and would highly recommend them.
In buying my first house, my realtor highly recommended using Josh Mettle and his team as my mortgage lender. I could not have been happier with my experience and things could not have gone smoother. Josh and his team were always available to answer my questions (and, believe me, I had many!). The estimated numbers I received were close to the actual numbers at closing and Josh was able to get me a great interest rate.
Josh and his team were also very good at handling the only problem that arose during my home transaction. With less than a week before our estimated closing date (and about one week before I had to vacate my current apartment), we found out that one of the sellers was going to be out of the country and could not use power of attorney to allow a relative to sign his closing documents on his behalf. Because of this, the bank was ready to postpone our closing date by another week. This was not an option for me since it would leave a gap between me moving out of my current place and getting the keys to my new home. Josh and his team were able to work it out and allow the seller to come in early to sign and have me sign on a later date. Because of Josh and his team, we were able to close on time. I would definitely recommend this team.
Josh Mettle & Team,
I just wanted to take the time to personally thank you and your team for all the work that you have done on behalf of my wife and I. We are very happy in our new home and are so thankful for everyone that helped make it happen. I especially appreciate all the patience that was shown during this process, I know it is most likely stressful dealing with a first time homeowner. I will be sure to recommend you and your team to anyone I come in contact with that is in need of a home. Again, thanks for all your help and hard work. Best Wishes!
Josh and his team are great to work with. Everyone was very professional and pleasant. Thank you again.
Doing this has removed alot of stress for me.
I’m happy to give referrals. Don’t have anyone in mind right this minute, but will send them your way (Josh team) and already have in the past whenever anyone asks.
My experience with Josh Mettle and his team was a great experience. They were thorough and efficient and turned the documents around in record time to keep things moving. I was grateful to have them to get into the new townhome at The Gables at River Oaks. I would recommend their work anytime, and have already.