DHA Financial LLC, NMLS 292856 E Mineral Cir, Centennial

Thank you Jessica for the great review. Thank you for being so responsive in the transaction and making our job easier. I appreciate your business.

Thank you sir. I appreciate your repeat business and working with you. Thank you also for the kind words to Brad and Archie. They greatly appreciate it.

Mr. Kilfoile, thank you sir for the great review and kind words towards our Operations Team and Tyler Johnson. It is very much appreciate. Also, thank you for your business and confidence in DHA. We all greatly appreciate both. We will keep in touch and let you know if interest rates continue to decline. Have a great year.

Mr. White, thank you for the 5 star review and kind words about Alicia. Alicia was very grateful to work with you as a client. Thank you for your business. We will keep in touch especially if rates go down further. Congratulations on your new home.

Thank you for the kind review Chantel. I appreciate it and also your business. It was our pleasure working with you.

Thank you for the kind words Mr. Picon. It was a pleasure working with you and Mrs. Picon. Congratulations on your new home and thank you for your business. Happy New Year!!!

Thank you for the awesome Review Mr. Howard. Those are very kind words and I will make sure Nick and the Operations team are able to see this review. I appreciate your business and your trust in our company. Congratulations on your new home.

Mr. Vezelici, I am very sorry that you did not have the ideal experience and outcome on your loan application. We strive to make every loan experience a positive one. I am also sorry that after several conversations, including yesterday's call to you, that your discontent remains directed towards DHA. It's important to have a platform to air your experiences, however, it comes with the responsibility of a factual representation of what occurred. You and your realtor were never informed that you had Loan Approval from DHA Financial. Your review indicates that you provided DHA with an earnest deposit of $4,000. The deposit was not given to DHA Financial; it was given to your realtor, which is the standard practice for all purchase transactions. Your realtor will then forward the deposit to either the listing agent, or the title company that the listing agent selects. There are many claims in your review that DHA mismanaged contract dates and/or, advised on dates. As a lender, DHA does not prepare the purchase contract or outline the timing of a purchase transaction. This is the responsibility of a realtor. DHA did not set the closing date as per your claim. Furthermore, DHA did not set the Loan Objection Deadline or any deadline outlined in your purchase contract. This was outlined by your agent and accepted by the Sellers and their agent. The responsibility to manage real estate contract deadlines is that of the realtor. I'm sorry your realtor misinformed you of their responsibility and role in this transaction. While DHA does not manage contract deadlines, we make every effort to process each loan application in a timely manner. This is true for your loan application as well. We had a team of 9 people dedicated to your loan. We moved forward with your loan application based on the information you provided at initial loan application. As your loan progressed, circumstances changed. We found solutions to challenges and worked hard to re-adjust accordingly, with the continuous goal of moving your loan application forward. Your comments surrounding our lack of communication were concerning, so we did our own investigation on our correspondence with you. Our phone records support 4 phone conversations with you, and 15 phone calls with your realtor between the dates of July 7 and July 13, 2017. We also have copies of several emails to you and to your realtor, detailing the communication surrounding your loan application status, including status on your loan approval deadline date. The email sent to you on July 7 clearly stated that additional information was needed from you and that you did not have loan approval. On July 7 we have system record of a phone call with your realtor as well, in which we communicated that you did not have an approved loan to purchase a home at that time. At that point your realtor did not request to extend the Loan Conditions Deadline and amend the contract dates based on the lending updates that were provided. The realtor had the appropriate level of information to manage your contract deadlines and secure your earnest funds. According to our phone records we have returned your phone calls promptly. For purchase transactions, DHA Financial recommends Borrowers allow us to provide a pre-qualification prior to contracting on a property. We highly discouraged you from deviating from our process; however, you chose to make a purchase offer prior to credit pre-qualification. Despite the challenges this caused, we moved forward with the process, and were available to you and your realtor. DHA was disappointed that you chose to terminate your purchase contract with the Seller, withdraw your loan application and forfeit your earnest money you reference in your review. Thank you for the opportunity to examine our part in this experience, as it allows us to keep focused on operating to the level of service that we are committed to. Dan Langerman, CEO

Thank you Pamela for the awesome 5 star review. I really appreciate you allowing DHA to refinance your home and your business. Jai is thankful for the kind words. Have a great rest of the year.

Thank you Mrs. Newcomer for taking the time out of your day, writing a great review, and acknowledging the work of the DHA employees. I will pass this along to all of them. I want to personally thank you for your business and trust in our company.