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Actual client reviews
Our loan was process experience was great, the time and effort Jeril put into the process was outstanding👍
We have been working with lenders for over 30-years and it is extremely hard to find people with the knowledge, professionalism and over all out of this world service
Every lending company should have a Jeril Groves in their team
Jeril
Thank you so much for the pleasant experience
2020-09-23
I really liked working with Lynn because she was very honest with everything. She always explained everything to make sure my husband and I understood. Never rushed us. We r Seniors and I very safe and cared for. I appreciate her service and she was very professional. I have a lot of respect for Lynn and I received respect from her. Good work Lynn and May God Bless You in everything you do.
2020-09-17
Paul captured my attention on the phone with his easy and informative approach. We had multiple calls with Paul, he explained the benefits of working with Pacific Mountain Capital. What he said would happen, really did happen! I am very happy to have worked with PMC. They are the best mortgage lender in the business, and Paul is the best in the business at what he does! I’ll be calling Paul if we need another mortgage!
2020-09-17
I am not an easy sale, particularly by telephone. I prefer direct face to face in person contact. That said I am pleased to say Ronnie Atkins had superior skill and authenticity in his tact in communicating with me over the telephone to get me to agree to speak with Lynn Hepner, Licensed Loan Originator with Pacific Mountain Capital L.L.C. Agreeing to speak with Lynn resulted in my next level of excellent service with Pacific Mountain. Lynn brought to my experience comfort, trust, and a sense of family. Her kind and soothing voice coupled with her knowledge in Veteran home loans gave me what I needed to trust doing business with her and Pacific Mountain. I also appreciated the team/family approach of doing business with Paul Hepner as well. Both Lynn and Paul worked collectively as a team always allowing me full access to one of them throughout the process of my VA refinance. A great group of people you can trust. I am very much appreciative for the great service and care these professionals provided to me and I highly recommend Lynn or Paul for your refi needs.
2020-09-15
Paul was great. He was communicative the entire way and working remotely due to Covid-19 it made things alot more comfortable with his quick response times, and just general assurance of the process since it was done entirely electronic.
2020-09-08
Jeri Groves is AMAZING to work with! We worked with her 7 years ago when we purchased our home and just recently to refinance. She is beyond knowledgeable in this field! I was clueless when it came to refinancing, the process was fast and seamless.
2020-08-28
Paul was really fantastic throughout the entire process. I have no complaints. I’ll be calling Paul the next time I need a mortgage.
2020-08-19
I first met Jeri Groves on the telephone in April or May 2020. The refinance advertisement I received seemed unbelievable. So I called Jeri, in part, to call her bluff! My non cash out refinance went through in July 2020. My interest rate was reduced. The bluff I thought I was going to call her on; was not a bluff but a pleasant reality for me. Jeri delivered on her commitment and I consider her a woman of immense integrity. Based on my personal experiences Jeri is a businesswoman I recommend without reservation. So if you are of the same mind as I was, reread my review and thank you lucky stars because you called on one of the few brokers in the business that place your financial interests above her own. I know!!!
2020-08-20
After having had a very bad experience with a refinance through another financial institution, I was hesitant to ever refinance again! But I desperately wanted to lower my interest rate also. Mr. Hepner was confident in assuring me that, if I refinanced a VA IRRL loan through his company, he could make this happen. I could tell immediately this man was, not only market and industry savy, but was also straight forward and honest at all times, and, most of all, that he had my best interests at heart. He was detail oriented in explaining my options throughout the whole process and was so helpful in responding to my many questions, while keeping me updated at all times. I was so impressed with his work ethic that I contacted him 7 months later to obtain another VA IRRL refinance loan for me. Having gained the utmost confidence in him, this time I did not have to ask so many questions! I would recommend him to anyone in the future. I am so thankful for what he has done for me!
2020-08-04
It was a great experience working with Lynn. She was knowledgeable and personable. Her weekly updates really helped. When I had a question or concern and on the rare occasion she didn’t answer the phone, Lynn called back promptly and always had an answer to my question.
2020-08-04
We have financed/refinanced many homes with Jeri Groves over the years and her customer service is impeccable and her integrity is unmatched. We proudly refer all of our friends and family to her with exceptional results each and every time.
2020-07-30
The process took a long time to complete. It seems that many different companies want different items prior to approval. Paul was very patient and explained a lot to me that I previously took for granted.
2020-07-29
I have had the pleasure of working with Jeri on several mortgage transactions- both purchasing and refinancing. She is a machine! Not only will she get you the best rate, but she is on top of your loan handling every detail personally. Even my escrow officer was complimentary on how on top of everything Jeri is. She’s always available when you need her and responds quickly with answers. The level of customer service Jeri provides is outstanding.
2020-07-21
Bill and his team were very professional and helpful during refi process. Would highly recommend.
2020-07-21
Very professional and helpful during refi process. Would highly recommend.
2020-07-21
When I kept getting advertisement about interest rates being at an all-time low, I naturally contacted the only person I trust to be honest with me. Jeri quickly ran numbers and encouraged us to take advantage of the low rates. We are so happy we did !! This is my second refinance with Jeri, and like before the entire process was quick and easy. The notary was friendly, professional and conducted the signing in a very safe manner using the protocols we expect during these times. We will continue to recommend Jeri and her company…without hesitation !!
2020-07-17
Lynn and Paul at Pacific Mountain Capital, LLC are two of the most helpful people I have come across in years. The refinance process was made painless because of their efforts. Lynn was especially helpful in providing the guidance needed to navigate the refinance requirements. Lynn has proven to me that she is a great communicator, clear and concise. I don’t think I could have found a better resource. If you have a need to refinance then these are the folks to talk to.
2020-07-16
Lynn Hepner and her associates made our process so smooth and calming! We’ve refinanced many times before and those other companies made us feel as if we were subpar and they were rude and self-centered. Lynn, Paul and the rest of their team are very professional and treated us like good friends. I felt like I was on a vacation! Thanks again to all of you and we WILL recommend you and WILL do all of our business with you!
2020-07-15
Paul was great to work with – always on top of what he needed from us, promptly responding to questions and requests, and keeping us informed. Our refinance couldn’t have been smoother! I highly recommend Paul and Lynn and the entire team.
2020-07-13
It was a pleasure doing business with Paul and Lynn. They kept us updated on the process in a timely manner. Our loan opened and closed in a timely manner and I look forward to working with them in the future,
2020-07-01
I can’t recommend Paul highly enough. When interest rates dropped so low, we knew we had to re-fi our mortgage. We ran into some issues because we had just taken out a 2nd loan due to a remodel, and the company that owned the 2nd loan seemed to be doing everything in their power to throw monkey wrenches into our process. Paul worked tirelessly to get them on board, and then they sold the loan to another company that wasn’t any more helpful. It caused our loan process to drag out two months longer than it should have. Paul worked hard for us every step of the way and kept us informed as to what was going on. He fought for us, and in the end, he got us an even better loan with a better rate. We can’t recommend him enough and will definitely be a return customer. Thanks, Paul!
2020-06-23
Jeri Groves handled my initial loan and my recent refi. She was incredibly responsive and answered all of my questions. She set my expectations and there was nothing unexpected with the numbers, so I apprecaited that! She assisted me with the paperwork the underwriters were requesting every step of the way. I would highly recommend Jeri and Pacific Mountain.
2020-06-08
The best way to describe this company is “Awesome”! Even durning COVID19 the process was very smooth. They were able to handle all of the hickups along the way, making my life much easier. I have refied before and this was by far the best experience. Thay call you and email you and keep you up to date on everything. Now I’m locked in to the lowest rate I’ve ever seen in my life! Thank you Paul and team at Pacific Mountain Capital!!!!!
2020-06-01
I cannot begin to express how professional and on the ball the team at Pacific Mountain have been for us. The collective knowledge within their team is invaluable, and their integrity, work ethic, and sense of urgency should be the benchmark for all companies like theirs to follow. Jeri is the best among their best. Our success in getting things done exactly as we needed is a testament to her commitment to excellence, and shows how very much she works for the client above all else. She is honest, knowledgeable, and she really truly cares about what is best for her clients. We are repeat customers, and will never have anyone else handle the business of mortgage for us but her and Pacific Mountain. We have recommended her to family and friends, and she worked as diligently and as tirelessly for all of them as she did for us. Thank you Jeri and Pacific Mountain. We are with you for life!
2020-05-20
We recently closed on a VA Re-fi with Lynn Hepner. This process went much smother than we ever could have imagined it would. Even though we were dealing with all of the difficulties of Covid 19, including less people at work, and stay-at-home orders, etc. Lynn kept in touch and answered our phone and email messages quicker than anyone else ever has. We got a lower rate than we thought possible on a 30-year fixed mortgage and the process was exceptionally fast. Customer service was amazing. Thank you Lynn (and Paul) for the best experience EVER!
2020-04-17
I recently refinanced my VA mortgage. Bill Cunnington shepherded me through the entire process. He did a great job, was quick to answer my concerns, and kept me in the loop on the whole process. I truly appreciate all the time and effort he put into completing the refi.
2020-04-03
I recently refinanced with Pacific Mountain Capital and have been delighted with their service. Paul was very knowledgeable in dealing with my loan application. He was with us every step of the way from application, through closing and the first payment. He knows the mortgage landscape, understands the latest products and is very professional and courteous in his dealings with you. He was able to discuss the pros and cons of different lending institutions and found the best one that would work for me and my family. He answered all of my questions and was very quick to respond to emails and phone calls. I highly recommend their quality service.
2020-03-29
This is our second time working with Paul, and I couldn’t have asked for a better experience. Paul looked out for our best interest with constant communication. He walked us through the process with no games and straight up honesty. I would without hesitation recommend Paul for all your mortgage needs. Thank you Paul.
2020-03-11
I was very pleased with the way Paul handed our loan. There were a few kinks, but Paul, and his business took complete care of all of them. I would highly recommend them. They stick to there word. We are very pleased. Thank you for all your hard work.
2020-03-06
Hey Paul! Just few lines to thank you for the wonderful and timely job you did in obtaining and closing our loan. Great APR and other terms. We greatly appreciate your hard work and would work with you again in the future because it is hard to find people in your business who keep their promises and let you know what’s going on every step of the way. Keep up the good work! Thank you. Jerry and Lois S.
2020-02-22
Jeri Groves, Bill Cunnington, Pacific Mountain Capital, LLC – Absolutely Outstanding! Delighted to provide my highest possible recommendation. Flat out the best mortgage experience we have had. Jeri Groves is wonderful. Completed in record time (for us) with a winning very low rate (2.750% on a 30 year fixed).
2020-02-11
Bill helped us refinance our home. Bill made it a smooth and easy process for us. Bill was extremely professional, knowledgeable, and friendly. Always answered our phone calls and questions. Highly recommend this company and Bill.
2020-01-31
Hello dear Paul and Lynn. I must say that NEVER in the past I have been so much satisfied and content with the results of refinancing my home. Lynn, from the beginning you showed me your willingness and patience to answer my questions with regards to my opportunities on refinancing my home. You kindly kept in contact with me every time I received a new request for e-documents detailing the necessity of the same. You have always been there showing your dedication and professionalism. Paul, you took the time to explain to me, in detail, every significant monetary charge up to the final closing papers. I have in the past refinance my two homes several times, but no body, that I could recall, has given so much time and clarity to my concerns and questions regarding the refinancing of my home. I am very much satisfied with the outcome, and thank you both for such great job. God bless you both, always.
2020-01-15
I was moving along with my refinance with a lender that I thought got me a really good rate, until i recieved a much better offer from Pacific Mountain. At first i was skeptical with the rate they were offering me because i have been bombarded with calls from other lenders that didnt pull through with what Pacific Mountain offered me. But i decided to give them a try and boy, was i ever so glad i did!! Not only did Paul give me the best rate but Paul and his team were very helpful by explaining the process and a day before closing went over the documents line by line and made it easy to understand!! If you have a lender already and have a rate by all means give Pacific Mountain a call!! There was no pressuring and were very up front with everything!! I wish I would have known about Pacific Mountain when I refinanced my home awhile back!! But believe me, Pacific Mountain is my to go lenders and will refer them to anyone that asks!! Thanks again Pacific Mountain!! You saved me alot of money!!! Hope rates will go down some more so we can do it again!!!
2020-01-15
Worked with Bill in getting my Mortgage Rate down. All my paperwork was handled quickly and professionally. My closing was completed in record time. Would highly recommend Bill to my friends and family.
2020-01-13
To the PMC Team – My family and I would like to share with everyone our complete appreciation for the phenomenal service Ms. Jeri Groves provided during the refinancing of our home…. two refinances within 10-months. I can’t imagine any possible better customer service than what Jeri provided. She earned my trust and full appreciation and I recommend to anyone looking to finance their home to first seek-out Ms. Jeri Groves. 18-months ago, several financial organizations were competing to secure my business to refinance our home. Every firm claimed to offer the best possible interest rate and lowest closing costs, and that it would be a waste of my time to seek-out other lending companies. As I was preparing to commit to one particular company, I had the good fortune of meeting Jeri, and within 24-hours she provided me an estimate identifying how PMC could save me $35k over the life of the loan. Her offer included a better interest rate with no expectation to buy-down points and had the lowest closing costs of any of the competition. In terms of customer service, Jeri was fully committed to designing the best possible offer. While I was on Christmas vacation with family and Jeri was traveling cross country, we continued to communicate. In February 2019 I closed on a great loan. In October, I was eligible for a Streamline Refinance (VA Interest Rate Reduction Refinance Loan a.k.a. IRRRL) at a lower rate. Once more, several lending agencies competed for my business… but again, Jeri presented a far better loan, lowing my interest rate by a full 1% and offering the lowest closing cost. The IRRRL enabled me to lower my monthly mortgage by $335… a savings of $4,020 per year and $120,600 over the life of the loan. Jeri earned our business as well as our future business. My wife and I are grateful for the wonderful loan service she provided. We think very highly of Jeri, her integrity, communication skills, patience, and commitment to help. She enabled us to exceed our financial objectives brought about by refinancing our home. Jeri’s involvement had a major impact during a time of heightened family stress brought on by financial concerns. I can’t imagine any possible better customer service than what Jeri provided. She earned my trust and full appreciation and I’ve recommend to my friends who are looking to finance their home to first seek-out Ms. Jeri Groves and Pacific Mountain Capital. Thank you Jeri and thank you PMC, Mike & Angie Harris US Army
2019-12-12
Mr. Cunnington, We want to share our appreciation for services and support rendered by your staff and specifically Paul Hepner. It is our impression that Paul is unique professional in your industry! Paul was a dream come true, he obtained the best rate and saved us from making a ver big mistake. I will start from the beginning of our relationship: We were about to finalized a refinance transaction with USAA when one of your staff called and spoke to my wife stating that your organization was able to share the many options available to us at a very reasonable cost and low interest rate. AFTER Speaking to PAUL we IMMEDIATELY cancelled the USSA transaction saving us thousands of dollars and much higher interest rate. Paul never lost sight of our objectives and time frame, he commanded the transaction in a graceful manner. When he required our assistance he was clear on his instructions allowing us to fully understand our responsibilities. What was a difficult and frustrating experience with USAA was a delight working with Paul and your other staff! Finally, company Image is a critical goal for all company executives, you should be very proud of your staff for they are a true delight to work with. We will continue to share our successful experience with our community of friends and wish you and your staff continued success.
2019-11-19
I have to say I have done a few re-fis and Paul definitely made the process easily and fluid. Even when there were small issues, he would jump in to save the day. He was really good at keeping us (my wife and I) informed of the progress and where we were in the process. If I ever need to do a re-fi he will be the first person I call.
2019-11-15
Paul and his team are awesome. It was our first purchase where we went through a brokerage-style process for the lending, but it was an excellent experience. Paul took the time to really get to know us and our situation, got us an AMAZING rate (and money back at closing!) and really went above and beyond to get us to close. While there were some setbacks with a back-to-back VA close and a shift in the kind of underwriting because of a low appraisal (neither of which are Pacific Mountain’s fault, of course), they were excellent advocates for us. Paul is knowledgeable, straightforward, no-nonsense, and helpful. We’d go with Pacific Mountain again in a heartbeat.
2019-09-24
Thanks for making everything so nice and easy and keeping me updated on everything as it folded out! Especially thank you for being so open and honest on everything! With so many scams out there, it’s hard to know who you’re dealing with glad to know there’s someone who is still honest and the real deal I will highly recommend you to everyone! Take care.
2019-09-17
27 mins Just finished our refi and couldn’t be happier with Paul Hepner and the professionals at Pacific Mountain Capital. We feel well informed, well treated and completely satisfied with the way they handled everything. We highly recommend them and the way they do business. Thank You Mike Truscott Laura Newhouse
2019-08-29
Thank you for giving us such a great deal. We were constantly bombarded by our current lender Home Point and other lenders, but you were the one that delivered. Home Point wasn’t happy in losing the loan and tried to get us to stay with them. But their business wasn’t up to the task so we moved forward. They said they would match, then sent docs reflecting 3.8% instead. A much higher rate than you gave us. Integrity and honesty wins every time!
2019-08-26
We are so happy with Pacific Mountain Capital, Bill and his entire staff. They were able to streamline my VA loan and save us $280 a month. They made the process very easy, inexpensive and always were available to answer questions. We can’t say enough good things about them. Thank you.
2019-07-24
This is the 2nd VA loan I did with Bill. He helped me a ton with my first loan and then when rates dropped he streamlined my rate much lower. Made the entire process very easy. I hope rates drop again so he can save me more!
2019-07-24
It was a pleasure working with Jeri on our refinance. She was extremely responsive and kept us informed at every step of the process. I have never worked with anyone who works as hard as she does, responding to my questions and concerns after hours and on weekends !! My husband and I will definitely recommend her to anyone that is need of the services her office provides….without hesitation !!
2019-07-10
I have to say that Paul and his entire company have been the best Mortgage people I have ever dealt with. He was kind and loving and very honest. It is hard today to find people and companies with the heart and compassion this company has in its people. I would recommend your company and Paul to anyone who is looking to refinance or purchase a new home. Love your company
2019-07-10
I loved working with Paul. He was very knowledgeable walked me through the entire process to help me feel at ease throughout the entire refi. I highly recommend working with Paul, he went above and beyond to get me the best rate possible!
2019-07-05
Paul Hepner, our PMC agent, was so wonderful! His patience with me as I learned how to convert all my records to PDF’s kept me going when I wanted to throw in the towel! This refi will change our lives for the better in many ways. We could not be happier with our experience with PMC. Thank you!
2019-05-17
Paul Hepner was the greatest. Paul helped us refinance 6 months ago. We were able to payoff our debts and 6 months later we were able to refinance to a lower interest rate. Thanks so much Paul!
2019-05-16
Paul was absolutely the BEST. We were first time home buyers and he explained the entire process in a way we could understand. He made the whole process as simple as possible and Dress Free. Paul, you are awesome! Thank you for helping us with our dream!
2019-04-22
I have only good things to say about my experience with Pacific Mountain Capital LLC, specifically Mike Berg, my AZPMC loan officer. Truth be told, I didn’t expect PMC to be able to help me because I had only purchased my new home only a few short months prior. Mike encouraged me to give him a chance and he came through BIG TIME. I was unexpectedly surprised to hear that he could definitely lower my interest rate and save me money on my monthly mortgage payments. My monthly payments were reduced by over $200 per month after only making three payments on my original mortgage! The process was simple and free of exhaustive and stressful paperwork. I highly recommend Mike Berg and AZPMC, for any home loans, whether your purchasing, refinancing, or borrowing against your mortgage.
2019-03-27
This is the 3rd home I have purchased through Jeri. It doesn’t matter who my friends recommend to me, she always beats their rates. Jeri sends me text alerts, emails, and stays on top of everything. She explains the “why ” behind certain things which I like. On my 2nd home, I asked another lender what my rate would be if I locked it in. He took 2 days to respond and said it would be between (x and y). I text Jeri, within 10 minutes she responded with an exact number of what my rate would be. I am 100% sold on Jeri, where she goes, I will go. Her service, rates, and knowledge has always been above 5 stars!
2019-03-12
My current bank tried to refinance my home, promised me a “great deal” that they couldn’t close on. Bill got my loan done with ease and no issues. Even after the bank said the VA wouldn’t do my loan. So happy we closed our loan with Bill and his company. Would recommend to any veteran, especially if you get a “too good to be true” offer from someone else.
2019-03-01
We closed our VA loan with Bill and he saved us $1,300 a month. We could not be happier that he contacted us and saved us so much money. We would recommend him to anyone.
2019-01-18
Bill got me a great loan with a low rate even with some credit issues, got me money back to pay bills and make life a little easier. Thanks again.
2019-01-08
I am very pleased with Paul Hepner. He and Pacific Mountain Capital made the refinancing process smooth and easy. The communication during the process was excellent.
2018-07-01
Bill is amazing. He was able to help us with a difficult purchase and was able to switch lenders and still close on time . We were very impressed with his professionalism and patience! I have my house because of him. Thank you !!
2018-07-04
Had an amazing experience! They helped me and my family buy our dream home. Bill our broker was on top of everything. Highly recommended.
2018-07-14
I worked with Jeri Groves on my refi. She was wonderful. She went out of her way to take the stress out of the process. She notified me ahead of time about things that went along with the process. She explained things in layman’s terms that made everything much easier. I highly recommend using her for your refinancing needs.
2018-07-14
I worked with Jeri Groves on my refi. She was wonderful. She went out of her way to take the stress out of the process. She notified me ahead of time about things that went along with the process. She explained things in layman’s terms that made everything much easier. I highly recommend using her for your refinancing needs.
2018-07-14
My wife & I loved working with Jeri. She made a stressful process much better with her positive attitude & diligent work.
2018-09-04
Bill was great, worked hard with our situation, got our bills paid and even with rough credit got us a low VA fixed rate and saved us $875 a month.
2018-09-20
Fast closing, took 2 weeks. Skipped 2 months payments, saved a lot each month. Closing was the fastest and easiest we ever had. Plus the rate we got was way better than anything we could find. Thank you for the great job Bill.
2018-10-29
I had a great team with bill and Nicole any questions and Nicole was right on it and Bill was always making sure it was right .Thanks
2016-07-29
Bill and his team found us a great loan, guided us through the process skillfully and adeptly tackled some thorny issues along the way. They were always available by phone and email, and we couldn’t have been happier with the process and the outcome!
2016-09-22
Just recently I had a pleasure of doing my home refinance with Bill. I am glad to say my experience with Bill was great, my transactions went very smoothly and we were able to close in a very short time . I would recommend him to anyone!
2017-03-16
Paul Hepner was a huge help with my questions and gave me the help that I have been searching for. I highly recommende him and can say I am very happy to have called him for my concerns. Thank you so much have a great day.
2017-09-05
I can honestly say, Paul Hepner has provided the best customer service anyone can ask for. The team at Pacific Mountain work fast, with superb efficiency. I would recommend them to everyone. Hassle free, no long waits and delays, no bait and switch at final numbers, no funny business. 100% PROFESSIONAL!!. Thank you for everything.
2018-02-19
I can honestly say, Paul Hepner has provided the best customer service anyone can ask for. The team at Pacific Mountain work fast, with superb efficiency. I would recommend them to everyone. Hassle free, no long waits and delays, no bait and switch at final numbers, no funny business. 100% PROFESSIONAL!!. Thank you for everything.
2018-02-19
Great guy, fast service, got me a great deal without any hassle at all. Great rate on a VA loan, no one could come close. Would use Bill again. Thank you very much.
2018-06-14
Had an amazing experience! They helped me and my family buy our dream home. Bill our broker was on top of everything. Highly recommended.
2018-06-15
I used Jeri Groves on my refinance. She explained everything and made the process as painless as possible. She took the time to reassure me during the refi and I would highly recommend her and this office to anyone considering a refi. I am very satisfied!
2018-06-15
The people at Pacific Mountain were the best, so helpful. They paid off all my debt and I got a big check to do home improvements. I am so grateful.
2018-06-18
Paul hepner was amazing to my family and I while he helped in the process of buying my first home. He was truly a blessing. Thanks again Paul, you rock .
2018-06-30
Bill got our VA mortgage done and bills paid off very fast. It was the easiest loan we have ever done. No hassle and a very smooth closing. Will use him again for a loan