Hart West Financial, Inc. E Bell Rd, Scottsdale

I had an amazing experience with Hart West Financial . Refinancing of my house went quick and smooth. Unbelievable rates and immediate response from the team members. Thank you Cindy.

I recently purchased my first home and was referred to Hartwest as a broker. The rates were, in fact, fantastic and it was my first time dealing with pre-paids and credits. Cindy was very nice and walked me through a lot of the definitions, ran the numbers for me multiple times in the beginning, and I would email her every day to get the daily rates that I tracked in a google sheet. I would have been more self-sufficient but Cindy's website didn't update in real-time and her relative was out of town for a bit so I was reliant on email primarily. Cindy would email me back every day, except for the one day that I pinged her twice and she didn't get back to me. That was the one day I would have closed, and I was so frustrated because it was on a Friday and had to wait the entire weekend to see where the markets would open. I attempted to wait for it to peak again and it ended up costing me $6,100 in additional prepaids towards closing costs. The one thing that might have made it a little easier to swallow was if Cindy would have acknowledged that she didn't get back to me, but when I mentioned it she would deflect and just ask if I would like to lock now. Beyond frustrating! Cindy can get great rates, but definitely stay on top of her if you use her. I would even call the office and she would be in "meetings", not a single other person in the office could look up the rates and/or lock them, and I would be lucky if I got a response via email after hours, which isn't ideal when the rates are continuously fluctuating. I'm glad it is over, but I can share some of my personal experiences throughout the entire process: there was 0 way for me to get a lower rate after I locked, even by changing the loan product, I'm locked into the rate for at least 6 months, and will most likely need to re-pay closing costs if I end up re-financing. The home buying process is definitely stressful, and I've learned a lot for the next time around. Good luck for all you first time home buyers!

Last year, we stumbled upon Cindy and the Hartwest team for our financing. They are laid back group but very thorough, finding us the lowest possible interest rate. It had been a longtime since we bought a property and things had changed! Acting as middlemen they walked us through with the lender and got us to closing without a misstep.

Always great rates and great service. The pandemic environment was stressful, not gonna lie, but the Hartwest team did their best to keep things moving forward!

Refinanced multiple times with HartWest. It’s always been fast, easy and low cost. Not to mention great rates!!

Cindy and her team are great! Customer service is top notch and the fees they charge are incredibly low. thank you, again.

Multiple closing with Hartwest. They are the best. I wouldn't go anywhere else.

I have used Hart West multiple times over the last 15 years. with both my personal residence and investment properties. Each time they are professional and complete the transaction in a timely manner. I have recently compared rates with other brokers and banks and the other institutions can not beat Hart West's pricing, fees, and APR

Wonderful experience with this company purchasing my first home in Oregon. As a millenial homeowner, it was nice to have a company that walked me through the process and gave me a personal touch rather than just bombard me with forms to fill out online, as I didn't know many people who have been through the process before. Everything went smoothly, and we even closed sooner than anticipated.

Cindy and the entire HartWest team was absolutely amazing. Buying a home especially your first home, you have so many questions. The team at HartWest kept me at ease with always answering my questions promptly.