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Michael Hillman is Broker/Owner of One Fee Home Loans.
One Fee Home Loans is a Northern California-based mortgage brokerage noted for absolutely full and transparent disclosure of all loan eligibility and pricing criteria. Our One Fee approach fosters simplicity and confidence in shopping and comparing loan offers. Visit us at www.onefeeloans.com
Areas of Expertise
One Fee Home Loan's management represents 25 years of intense experience at all levels of the Mortgage Industry, and has been directly and indirectly responsible for many billions of dollars of loan fundings originated online. We specialize in the practical use of web-based and software applications comprising a process engineered for paperless efficiency.
Experience. Knowledge. Exemplary Service. Honest Pricing. We should talk!
My name is Kevin Erickson and we just recently closed on a new home in Las Vegas NV. Our loan officer was Jessica Vega. You need to know how happy we were with he service and her commitment to us during the loan process. There were some snags with the builder of the home and Jessica cruised through the process like a true professional. She was very attentive to our needs and concerns and always made us feel like we were important. Hats off to Jessica and FlagStar for getting my family into our new home..
Kevin Erickson and Family
Thank you so much for the excellent service that you provided during my home loan refinance process. You were prompt in responding to telephone calls and emails and provided information regarding each step of the process, so that I was not stressed along the way, and I had no surprises going into closing. I never thought that refinancing through Lending Tree could be as easy as it was. Thank you and Shanaz Webber for all of your help.
I know that this is your job, but you do it so well. I have to believe that the customer service that you provide is above and beyond what is required.
I will gladly recommend you and Flagstar to others.
Dear Flagstarr Bank,
I recently took a mortgage out with Flagstarr Bank and want to let you know about my experience. I applied through Lending Tree and had several lenders reply back. All of the lenders except Flagstarr were extremely aggressive and didn't follow through with what they said. Frank was upfront and direct about the mortgage. He was in touch while he was in the hospital and worked hard to make sure the loan came through to the point of extending the interest rate a few more days. Amy did a lot of work on the mortgage and took over for Frank when he was out ill. She was very professional and ultimately made this loan happen. My loan was slightly different as it was a family transaction, involved a trust, an outstanding home equity loan and other paperwork above and beyond a normal mortgage transaction. Amy worked with the lawyers and helped us sift through some issues with Chase Bank. Amy is truly an asset to Flagstarr, and made a difficult situation much easier to deal with.
I absolutely cannot thank you and Joe enough... I SWEAR it would never ever
have happened if it were not for the two of you...and I mean that with all
my heart.... It is the most wonderful thing that has happened to me in a
long time and I never thought it would.... we are so so thankful and so
happy. I cannot make up to you what you have done for me - but I promise
that I am telling EVERYONE I know about the two of you. There are alot of
Fidelity people who move to or live in California and hopefully I can
return the favor to you at some point........ Thank you again so very much
Carolyn... you are so wonderful!!! If you ever have the desire to come
East - you let me know :-)))
My husband and I would like to thank Flagstar Bank for outstanding service. Especially you and Laurie, both of you were knowledgeable and professional always. Aaron, we really want to thank you for getting involved with the keys issue even though Flagstar Bank had nothing to do with the delay. It was most appreciated, we finally received them on Monday, March 31st.
Harunur and Melisa Rashid
Subject: Re: Thank you from Flagstar & LendingTree
Andrew, thank you and Flagstar for the very professional care and service that you provided to me and my family refinancing our home. It was a sincere pleasure to have such a great team assisting us in our financing needs!!!
Charles and Sandra Bowie
Mr. Michael Hillman,
We would like to thank Flangstar Bank for the outstanding service that
was provided during the course of our loan process. We would also like
to commend Adam Wain for the outstanding customer service he provided
us during the whole process. Adam is a truly an asset to Flagstar
Bank. We will absolutely recommend our friends and family to your bank
because of the excellent service provided by Adam Wain. Every time we
had a question or needed assistance with something Adam was there know
matter the time or day. I would email Adam at least three or four
times a day with and Adam would respond to my questions in a matter of
minutes. Adam is a trustworthy guy and made us feel comfortable during
the process. It's hard to put your trust into someone you don't know
or never seen before, but Adam made this very easy for us. We closed
on our home on April 4th, and I must say everything went smooth, we
can't thank Adam enough for making this process effortless. Thanks
Kevin and Cheresse Harris
Dear Mr. Hillman:
I wanted to email you regarding my recent mortgage approval with
Flagstar Bank. I had received an email that I would be getting a
survey, but I have not seen anything yet and wanted to make sure I gave
someone feedback about my experience. I started my experience with
Flagstar in January and was given Joe Paoly as my representative. I
cannot even begin to tell you what a wonderful experience I have had
I have been in customer service for a better part of my life and can say
that I don't recall coming across someone like Joe. This was my first
experience buying a home and Joe was literally my backbone through the
entire process. I am a single mother and did not have a good
understanding of the process but Joe always took the time to explain
things to me and make sure I was comfortable. He went above and beyond
his role for me and that is an understatement. I wont get in to a lot of
long detail, but after getting my conditional approval from Flagstar, I
was having difficulty with realtors here in my area... Joe was there
every single step of the way. If I called Joe late at night or on the
weekend, I always was immediately returned a call. Joe got me in touch
with realtors and made sure I was taken care of.
I have told at least 20 people about my experience with Joe and
therefore Flagstar. I cannot thank him enough for everything he did for
me. I hope that you will pass this along to Joe's manager so that
he/she can hear what a wonderful person they having working for
Flagstar. I will forever be grateful to Joe. My son and I can now
enjoy a beautiful home that I never thought I would be able to. I
sincerely will be forever loyal to Joe Paoly and will make sure everyone
I know hears about him.
Thank you for taking the time to pass this along.
Leah J Larson
MMK Portfolio Advisory Services
Thank you for doing such a good job.This was the best home loan,refinance etc.that I`ve had.I`ll tell my friends about you.Hope your mom likes the picture blanket.Thanks again.
I just wanted to take the time today to thank you guys for getting us through this loan process. You guys have been very professional and you went the extra mile to make it happen. Flagstar Bank has tremendous assets in you guys and should be thankful, as it was very easy for me to make the decision to stick with you guys and not switch to Countrywide under the pressures of REO market. I will be glad to refer friends and family to you guys in the future.
P.S. Shanaz - don't forget to push that funding button J
Dear Mr. Hillman,
I wanted to take a moment to express my gratitude to Flagstar Bank and the Lending Tree organization! Due to the dedicated, personal service I received from Blake Ward and his team, he made a dream become reality with very small hiccups. I had heard horror stories, and honestly was afraid to sell and buy due to the coordination of EVERYTHING involved. Again, Blake and his team made my experience simple and as uncomplicated as it could be.
I would recommend the services I received to everyone!!!
I wanted to take a moment to say Thank You to Blake and his team, and to let you know what a wonderful opportunity and experience they helped create!
Thank you again!
R. James Cleary
Andrew Halladay provided the service for my loan with
Flagstar. I was very unsure about the whole process.
Using the internet for this type of transaction. My
home builder was very nervous. Andrew reassured
everyone that everything would go as planned and I did
not believe him. But everything went just like Andrew
said from the start he provided everything we needed
when we needed it. I will call Andrew next time I need
a loan. Thank You. You have a good one with Andrew
Thanks again. John Cardenas
My name is Charles Ledford and I just wanted to send you both a brief overview of my recent experience with your company. I sent a loan request through Lending tree just over a month ago. Within a day I had two major responses, one from my current mortgage company and one from Frank Maletta with Flagstar. I responded to both and waited. Frank promptly returned my response and I have yet to hear from my "old" mortgage company. Over the next day or so we talked and emailed quite a bit about what would be the best way to handle my current situation.
I had been given a high rate 2-3 years ago due to some credit issues we had in the past. But my wife and I had worked hard to recover from that and not look back. Frank was able to drop our rate by 3.25 %, a life changing amount. We were able to consolidate ALL of our current debt, and still keep our payments roughtly unchanged. We look to save between $800 to $1000 a MONTH!!
My intent of this email is simple, I just wanted to say a huge "Thank you" to Frank again and let someone know how much of a pleasure it was to work with him. I have worked with 3-4 other mortgage/lending companies in the past 10 or so years, and this was by far the best experience I have had. The process was smooth and painless. He was very easy to talk to and never talked down to me when I asked a question that may have been "not the brightest"! I have been in customer service in one form or another for the last 15 years and I was honestly impressed. That doesn't happen often these days unfortunately.
Anyway, I just hope that I can pass on my experience to as many people as possible. So many are quick to complain, whether it be bad food, bad products or bad lip service, but so few are quick to complement. I hope that changes one day.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.