Positive Experience
Thanks to Ms. Madeline Lam and the entire staff at Linear Home Loan, I was able to refinance the mortgage on my home which will save me $280.00 a month for the next 30 years (loan closed November 30, 2011.) I am extremely happy to have secured an interest rate of 3.875% which is substantially lower than my current rate. I initially saw an ad in the LA Times advertising Linear Home Loan rates and immediately called the company to confirm their rates. I was already locked in and approved at an interest of 4.25% with by my current bank who has held the mortgage on my primary residence for the past 20 years, but I was disappointed with that rate because rates dropped significantly lower immediately after the bank locked me in for 90 days and refused to unlock and provide me with their lower advertised rate of between 4.0% and 4.125%. I never requested the lock-in; instead the loan officer automatically locked it without first consulting me. When I called Linear Home Loan, I was immediately directed to Ms. Madeline Lam and was I intrigued with her intense knowledge of the current state of the real estate market as well as her vast knowledge of matters that affect the manner in which interest rates fluctuate on a daily basis. Ms. Lam was not only able to gingerly convinced me and my wife that I would benefit greatly from their lower rates and minimal cost associated with the loan, but that her company would exercise all professional measures in their power to close the loan in an expeditious manner. They most certainly did! Every Linear Home Loan affiliate associated with this closing, including the escrow company and the notary public officer (document signor) were very courteous and professional in their respective roles. I would, without hesitation, highly recommend Ms. Madeline and Linear Home Loan to anyone seeking professional assistance in obtaining favorable loan rates for purchase and/or refinance. I won’t hesitate to utilize her services in the future.
Posted on 12/4/2011
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Madeline Lam and immediate staff is great! Just finished a refinance and would recommend Linear Home Loans to anyone in a heartbeat. The process went smoothly and without any hiccups. Madeline and her staff provided me with all forms needed and i provided the information in a timely, if not immediate, manner. I mention this because often times we, the consumer, get frustrated with the process because we ourselves do not have our affairs in order.
I contacted Linear on a Sunday morning in early June after reading their ad in LA Times. Madeline provided me, emailed, a list of documents I needed to have to get the ball rolling. I took some time to get documents and then, fortunately, was able to lock in an incredible rate a couple of months later.
Madeline and her staff took care of me in an efficient manner as they walked me through the process and always made me aware of what the next step was. I shopped around with at least four different providers but always felt like something was not right/ up and up (?). I got a good vibe from Madeline as she was very straightforward. It was a pleasure working with her. I have shared my experience with a couple of teachers I work with. Hope this information helps you. They are very email friendly.
Posted on 11/16/2011
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Linear Home Loans just helped me refinanced my mortgage and saved me $280 a month for the next 30 years. They were able to get me the lowest APR (4.25% for a 30 year conforming jumbo loan) and processed the loan within a few weeks time. Don Boop was working till late at night and over the weekends too in order to close my loan before the deadline of September 29, 2011 when the Feds discontinued the program. I really appreciate all his help! If the interest rate drops even further, I will definitely contact Don again to do another refinancing. I know he can deliver what he promised.
Posted on 9/30/2011
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I conducted quite a bit of research before selecting Linear Home Loans to refinance my house. I made the right choice; so much so that there was no question who we would use when we decided to buy a home a few months later. Sandra Baughman was really on top of things. She ushered through our refinance smoothly and professionally. When I contacted her to let her know that we were going to buy another property and asked her about current programs available in this market, she directed me to HomePath. This turned out to be the right program for us. Her familiarity with how HomePath works was a real asset when the title company that Fannie May insisted on using was sluggish and unresponsive. Sandra proactively represented us. We had quite a few questions, and she and the team at Linear were always glad to help us understand the nuances of the loan. Mike and I have a lender for life.
Posted on 8/26/2011
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I had Linear Homes Loans do a refi earlier this year on a non owner occupied property. Don Boop was knowledgeable and very professional. All documents were handled in a timely manner and closed on time. He knows how to judge the markets very well on assisting with a rate lock. I value his expertise and since rates went down again I decided to have them refi my primary residence which I had already refied in January with another company.I did not intend to do it again but the rates and costs were exceptional so I am currently doing another refi with them. They are the greatest.
Posted on 8/17/2011
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I'm typically not the type of person that gives 5 star ratings, to anyone but the level of service, professionalism and knowledge Madeleine provided us justifies my ratings. Madeleine was a great comfort throughout the entire process.
My wife and I were new to buying houses in the USA. As first-time home buyers we were nervous and unsure. Madeleine's extensive knowledge of the Los Angeles Market and her excellent negotiation tactics helped us land the perfect home. Madeleine always listened to what we were looking for and helped us find a great home in a great neighborhood, taking everything into consideration - from price to school districts to commute time, etc. Madeleine was always available to us - quick responses to voice mails, emails, questions, etc.
She was always honest about locations, structures and possible concerns on things that I would never have thought about that .....it made me feel confident when she gave me her opinion that she wasn't just trying to force us into a house, but she wanted us to find the best home that was right for our family. Thank you Madeleine. You are amazing. We are so happy in our new home!!
Posted on 8/15/2011
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My Husband and I were first-time home buyers who knew very little about the mortgage process. We decided to join lending tree and unfortunately got many mortgage brokers calling us. We were however very fortunate to receive a call from Don, so thank you lending tree. From the moment I spoke with him I knew I was in good hands. He was very professional as well as confident and accommodating. He was very good about keeping us up-to-date on our loan, reassuring us along the way. He was very honest with us and I was impressed with his high integrity and professional standard. With his many years of experience he knew exactly what needed to be done and was able to get us closed in a very short period of time. He also was able to get us a great interest rate with low closing costs. I feel very fortunate to have used Don and would highly recommend him to anyone looking for a mortgage consultant. He truly takes pride in his work and it shows!
Posted on 8/15/2011
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We successfully re-finance our loan with Linear Home Loans and have received better than expected result. Our Loan Specialist Don Boop did an exceptional service and we have recommended him to our family and friends.
Again much thanks to you and may you help others get the best rates and secure better financial future.
Posted on 7/28/2011
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Linear Home Loans & Don Boop are the REAL DEAL! After Chase put me through the grind, I was feeling like I might not be able to complete the purchase contract that I was in. I contacted Don Boop who was positive and empathetic from our first conversation. After hearing my situation, Don assured me that he could get the loan funded. Don joined escrow in mid-stream and closed my loan in about 30 days. I can never say enough about Don's character, courtesy, honesty and commitment. My family and I are moving into our new home this Friday! We would NEVER have been able to close had it not been for Don's help, and after our experience, I'll never shop for another mortgage without checking with Don first.
Quite simply, DON BOOP & LINEAR HOME LOANS ROCK!
(Is it possible to give them SIX stars?)
Posted on 7/27/2011
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Madeline Lam is a first rate mortgage consultant! Thanks to Madeline, I was able to refinance my house in a timely manner, guided by her knowledge, expertise and compassion. She continually kept me informed, provided me with several options, and most importantly, gave me peace of mind as I accomplished the process of getting a new loan for my home. As an intelligent and experienced loan consultant, Madeline understands the pulse of the industry as she knows and shares up to the minute news, rates and policies. Madeline Lam cares about her clients! I feel very fortunate to have worked with Madeline, and I wholeheartedly recommend her to anyone needing home loan services.
Posted on 4/14/2011
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I just closed my purchase with Linear Home Loans. I was turned down by BofA and Chase. My loan officer Sandra Baughman was a gem. She was able to get me a lower rate than the others and my escrow closed on time! I was afraid I was going to lose my deposit due to the other banks taking so long and then at the last minute telling me they could not help me. I would recommend anyone to Linear Home Loans. Be sure to ask for Sandra. She was very helpful and creative in getting the bank to approve my application, always kept good communication with me and when we were ready to close, lowered my interest rate even more because she could. That show me that she is honest and I will work with her in the future no questions asked. Thanks. Cameron
Posted on 3/30/2011
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I responded to Linear Home Loans add in the Los Angeles Times and was skeptical at first of rates and fees advertised. But after speaking with our Loan Officer Don Boop, he promised to get us exactly what was qouted in the paper. Well he just completed two loans for me and his performance exceeds my expectations. He is prompt, friendly, honest, knowledgeable and is always willing to help/assist me. I had done many home loans in the past and Don is the best one I came across. I would certainly recommend him to anyone including my family members and friends. This was by far the best experience I've ever had with financing real estate.
Posted on 3/29/2011
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I refinanced a mortgage for a lower interest rate. Don Boop provided fast, professional and attentive service. The quoted rate and terms beat the competition and stayed true through the whole process. Don directly met my loan objectives without trying to sell financial products that I did not want. I was able to complete most of the correspondence and loan preparation paperwork through the convenience of email, yet he was readily accessible by phone whenever I needed clarification. I highly recommend you let Don compete for your business.
Posted on 3/7/2011
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If you are searching the internet trying to find out about Linear Home Loans and Don Boop, I caution you about this loan broker and my experience. I received very poor, unprofessional service with numerous unreturned phone calls and e-mails. My loan application should have been a no-brainer, with the requested amount equal to less than 10% of my net worth, and a "very good" credit rating. My complaint is not with the fact he didn't come though with a loan, but how poor his service was in not getting anywhere in 3 weeks. This was the worst communication experience I have ever experienced with a service firm. There are much better loan brokers out there to do business with, and I was able to get a loan commitment from other firms to my satisfaction- quickly.
Posted on 3/1/2011
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Our experience working with Don Boop of Linear Home loans has been positive.
Don guided us through our home refinancing every step of the way. He listened to our requirements and presented a product that satisfied our needs. Don was patient and professional in all communication with him, and has been available to work with us on our schedule -- which sometimes meant talking on evenings and weekends. The loan we just closed on has terrific terms.
We recommend Don Boop and Linear Home Loans without reservation. We plan to recommend him to friends and colleagues.
Posted on 2/28/2011
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Thank you for helping me with my refinance! I appreciate your excellent service and delivering upon your promises.
Posted on 1/14/2011
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We had a very good experience with Linear Home Loans. They were quick to respond, very courteous, explained the process well, and our Loan Officer, Sandra was always available to answer our questions. We have already given her name to several people who are also interested in refinancing. We also want to give a big thanks to Amber in processing who helped us with our title issues.
Thank you Again! We hope you have great success in 2011~!
Posted on 1/5/2011
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Linear Home Loans was phenomenal! I had the best experience ever. Not to say the process was easy in the least bit because let's face it refinancing is not easy and it is very stressful. I loved the way the whole team at Linear Home Loans worked with me. I could call into the office and speak to someone about the status of my refinance and I would have all my questions answered. They made this whole process as easy as they possibly could even over the holidays! I was shocked that they were able to get this done through the Thanksgiving and Christmas holiday months! I really believed they worked on my behalf and got me the best possible deal. I will refer Don, Madeline, and Sandra to all of my family and friends. They just made this refinance the best I've ever had and I believe they would do it for anyone!
Posted on 1/5/2011
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We completed a refinance and we are very happy with the service we received from Linear Home Loans. Our loan officer, Don Boop was very professional and such a pleasure to do business with. We would definitely recommend Linear Home Loans to all our family and friends.
Posted on 1/5/2011
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I am not one to typically write a review on companies I have dealt with, but I feel that a review is in order here. I had been declined by two banks prior to being contacted by Linear Home Loans. I was definately skeptical that they could help me and I was tired of the run around I had been through, but since they offered to work with me with no pressure tactics, I figured it wouldnt hurt to try. Long story short they closed my loan when other banks wouldnt. It took 55 days, which was longer than my previous experiences but from what I hear from friends I talk to, that seems to be the trend. Sandra and her team kept me informed along the way. I had a set of unusual circumstances, and they worked very hard on my behalf. I could not be happier with these guys. Sandra always answered my calls and was available any time I needed her. I have refinanced several times before and this was by far my best experience against such odds. If you want excellent customer service and a company that goes the extra mile (2 miles in my case) for you, then you will not be dissapointed working with this company. Their rates were not the absolute lowest out of other offers I received but I believe that you often get what you pay for and some brokers out there quote low just to lure you in and then change their rate after you are "hooked" or financially invested. Linear did not charge me for application fee, appraisal fee or anything until I was fully approved so there was nothing to lose. I am happy I entrusted Linear Home Loans with my loan and plan on referring everyone I know to them in the future.
Posted on 12/15/2010
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