Phil Ganz Overseas Hwy, Key Largo

Just now, I got a text that said "Hi, Charles! Thank you for previously choosing Phil Ganz to help with your mortgage. Could you take 30 seconds to leave us a review using the following link?" Well, you asked, Phil. You asked... I got my mortgage with Phil about 4 or 5 years ago. At the time, I had worked frequently with another mortgage broker at Phil's company. When I inquired whether a certain property I was interested would qualify for traditional financing, my usual guy said it couldn't. At the recommendation of my realtor, I called up Phil, who said he could make the loan work. To Phil's credit, he was right. That's why it's a two star review, not a one star review. But I found interacting with Phil to be a chore. He is a typical high-energy, low-credibility salesman. He did not delivery on promises he made to me in pursuit of my business. For example, I had asked my normal person (at the same company, mind you) what the rate on the loan would be. The same day, I talked to Phil, and he quoted me a rate that was 1/8% lower. Although I didn't mention I got the higher quote just hours earlier, I said something like, "wow, that's low!" He patted himself on the back, along the lines of "well, I'm here to work as hard as I can for you!" Of course, by the time the actual paperwork was submitted, the rate was 1/8% higher. Gee, what a coincidence. There were lots of other little flubs like that along the way, although I don't remember what they all were. For example, after our first conversation (i.e., before he had my business), he said something like "I look forward to seeing you at the closing!" This was the fifth home I had purchased, and the mortgage broker never shows up to the closing. I was taken a little aback, and I replied along the lines of, "Wait... what? You show up to the closings?" I got something along the lines of, "Of course! I work as hard as I can for you, every step of the way..." The cherry on top of all this: at first, I didn't realize Phil worked at the same company as my usual person. (The recommendation came to me to just call Phil at the following number, without knowing which company it was.) When I figured this out I felt a little awkward. I asked Phil whether they worked on commission, or whether the situation would require any delicacy, since I didn't want to spoil my relationship with my usual person. Don't get me wrong, my usual person incorrectly said the loan wouldn't work, and Phil correctly said it would, so I have no problem with Phil earning his commission under those circumstances. I just wanted to know if I had to smooth things over with my usual person. Phil assured me that it would be no problem, and that he'd talk to the other person. A little bit after the loan closed, I got a call from my usual person who, apparently, was blindsided. Evidently Phil had not talked to them at all. In summary, Phil lays it on very thick and doesn't always deliver. Perhaps I was lucky that I had been through the process so many times that I didn't need his advice, I just needed him to originate the loan.

Phil and his team are an absolute pleasure to work with. We were first-time home buyers, and it was so helpful to work with a team that is so knowledgeable and accessible for questions. The team really made the process seamless and stress free!

Phil and his team (including Beth & Kelly) were excellent in guiding me through the entire process from loan selection to closing. As a first time home buyer and the property being a short sale there were last minute delays and extension of closing and Team Ganz were able to lock in my rate and I ended up saving because rates have jumped 1/2% since then. Overall, they were excellent in explaining all my mortgage options and how each option would differ and benefit my situation. They always responded quickly to my questions by email or phone. Thanks Phil & team!

Phil and his team just got me through getting my mortgage approved! I contacted Phil for a pre-approval so I could make an offer on a place. He got me pre-approved in the same afternoon that I initially called him. Then it took little efforts on my part to get my mortgage approved: I only needed to provide supporting documents like bank statements, proof of income, etc. (the entire process was pretty painless). Phil was always available via text, phone, and email. He was friendly, courteous, and generally a great guy! On top of that I got a good rate. I would definitely recommend Phil if you need a mortgage.

We had a great experience working with Phil. He was very helpful, always responsive and available, and got us a great rate! Plus, he was so quick in securing our paperwork and ensuring a fast and smooth closing.

Phil, Vince, and Beth provided such excellent service during my mortgage process. Thank you so much for all your help. I appreciate everything that you've done to have a smooth closing transition. You and your team did an amazing job from beginning to end. I'll definitely keep you in mind and refer you to all my friends and colleagues should they need a mortgage in the future.

Phil and his team were outstanding! I wanted to put an offer on an open house on a Sunday night. I cast a wide net to try to get pre-approved, Phil was the first and only broker to call me back that same night. This would be the first of many surprisingly responsive interactions. Mornings, afternoons, nights, holidays and vacations, Phil was always available. Not only was Phil the guy I used for financing but I really need to credit him with building my whole real estate team. He put me in contact with my real estate agent and my legal team. We didn't get that first place (because I didn't offer $30k over asking, ridiculous) but I did end up in the perfect home using the team that Phil put together for a much better deal than I expected. I really can't thank Phil enough.

We recently closed on our home and Fairway Mortgage and Phil Ganz and his team were amazing. They guided us every step of the way and were in constant communication with us. They made the whole process relatively pain free. I would definitely recommend Phil Ganz and Fairway.

Phil is the best mortgage lender in the Boston Area, hands down. I've worked with him on several real estate projects for almost a year and a half now. He is a great asset for anyone looking to buy a home and has a huge amount of experience in the real estate industry.

Just finished my refi and what a great experience it was and it could not have been any smoother. Phil Ganz and his team helped me through the entire process and I don't think it could have gone any better. I shopped around for rate and this was the lowest so I was very happy. Phil and his team are very professional and answer all my questions whenever it was needed. Completing and uploading forms through their online portal made the process extremely efficient and easy. Couldn't be happier with the entire refi process!! In the future I will definitely use his services again 100%!!!