This is the 2nd deal we did with Mike and the experience was top notch. The other real estate agent even commented about how good Mike was to work with. I highly recommend!
Michael was awesome to work with. He made the process smooth and we closed with a breeze!
I highly recommend Mike and his team to anyone looking for exceptional help with a mortgage or refinance. We've worked with his team on three separate occasions over the past five years and we can't be more satisfied with the outcome. They are extremely helpful and knowledgeable, and always put your best interests first.
I started working with Michael Ferraro while exploring my options for my next home. I was considering the purchase of a renovation property or an updated home. Michael explained my options for each scenario, and when we found the home we wanted to purchase quite suddenly, Michael was able to get everything in place for an offer quickly. He communicated well each step of the way and ensured there were no surprises at closing. My experience was very positive, organized, and seamless.
Jennifer Yoon
Pittsburgh, PA
Mike Ferraro was awesome every step of the way! He was prompt to reply to any questions I had, he even reviewed other offers I had from other lenders and made sure I was aware of differences or discrepancies. He called, emailed, or texted me any time I needed anything. I chose to work with him and BOE because of his upfront and thorough communication, his offer never changed and was the best from the start. I felt I could trust him, and was at ease working with him throughout the entire process!
Michael Ferraro was my mortgage officer on my 1st home buyer purchase on 4/24/19. Let me tell you, he is truly amazing. My 1st attempt was a FHA Rehab loan, got all the way through the process and the seller terminated the contract. He was soo helpful in that the seller wanted me to forfeit my deposit, Mike was having none of that. I put in multiple offers, no luck. He was sooo patient and apologetic that they didn't work out. My final purchase, he came through like a champ for me, up to the very last minute. He took the time to call me before the closing to explain the closing disclosures. Even before we had extensive conversations about the best mortgage for me. He got me a great rate, least down payment possible, and mortgage payment in my budget. I am soo grateful, I couldn't have survived the home buying process without. Mike Ferraro is THE MAN!
I wanted to thank you Michael for your professionalism and attention to detail. Going through the mortgage process is never easy and always complex. You made the entire process as smooth and easy as possible . Thanks to you we absolutely love our new home. We would highly recommend Michael and the rest of the BOE team.
Mike was on top of things from the very start. We knew ecactly where we stood at all times. He was also quick to respond with revises numbers when changes took place. This is the second time we used Mike and I recommend him to everyone.
He was timely in his responses and very knowledgeable of his bussiniss. He was very understanding and kind in his interactions with both my wife and me.
Tim Weitkunat
Chalfont, PA
Mike did a fantastic job on what was probably the 5th refinancing of our house that we have owned for 30 years. I heard him talk on a radio show and called the next day. From that day when I made the application to the closing, which he arranged to be held in a vacation retreat in the mountains of Connecticut, was less than one month and at the lowest published interest and with minimal fees. I know it sounds unbelievable, but it is true.
Working with Michael was the best refinance experience I've ever had! He is very knowledgeable and was very helpful throughout the entire process. He was very responsive to both email and phone communications. I would highly recommend him for your next home purchase or refinance needs!
Chris Farrow
Rochester, NY
Mike offered an incentive to the faculty of Kutztown University where I am employed as an assistant professor. Once I decided to purchase my first property, I recalled that offer and contacted Mike. He had indicated there might be some savings available on closing costs for faculty, and that ended up really helping me. Mike was terrific. He stayed on top of paperwork requests and even navigated the ridiculousness of the deal; which included the seller dying in the middle of the deal, the new players from the estate, and two real estate agents that couldn’t seem to communicate or work very fast. Mike was the one person in my deal who I felt was consistently on my side helping to get things done. He kept me sane. I would recommend Mike without hesitation. I had the craziest situation that just seemed to get worse and worse and more complicated, and Mike smoothly worked out all the kinks, even dealing with just the listing agent when my agent dropped the ball at a crucial point. I would confidently work with Mike again and advise my friends to work with him if they want a mortgage professional who is efficient, smart, on top of things and extremely helpful in a calming manner. Two thumbs up!
Amanda Harris
Bethlehem, PA
Mike Ferraro was a good thing because he turned out to be the right person for the job. Mike was forthcoming with the possibility of the loan; no false promises. He was knowledgeable concerning my particular circumstance. Mike presented me with all possible ways that I could have gone with the loan, and allowed me to make my choice based on my circumstances. I was very appreciative of that because he was not “pushy”. I would tell anyone deciding on whether to use Mike Ferraro for a loan to go right ahead. Based on my experience, Mike was very professional from start to finish. He looked for all possible ways to make it happen, and it did for me.
Mike Ferraro took it upon himself to come to bat while my application had been still due to a title issue. He made himself available to work with me to determine what was required with respect to my file. He worked one on one with me in order to process the application swiftly and understand what was expected with respect to the title issue. Mike was patient and flexible enough to ultimately provide me a very low interest rate and manageable mortgage payment tailored to my budget. All and all I was very pleased as he got the ball rolling from processing the application to ensuring that the loan made it to closing.
Ken Gratz
Willow Grove, PA
Mike Ferraro was recommended by a co-worker. I had already contacted several banks prior to Mike so I had some preliminary info and when I compared what he offered he was the lowest. Mike was always available for us to ask questions and get clarification, which I liked much better than dealing with a bank. It was nice to have Mike as a resource and it made us feel like we had an advocate. He helped secure our loan with the best rates. He was very responsive to get our loan closed and explained everything thoroughly. I would highly recommend Mike Ferraro to do your loan.
Melissa
King of Prussia, PA
Mike was absolutely flawless and I attribute that to Mike’s expertise in the mortgage business as well as his commitment to me. No matter what the question, no matter what the issue, Mike always got back to me punctually and followed through until we found a solution. He solved everything through to closing and it could not have been any smoother. He always got back to me quickly if he was not there to answer my questions personally. He made sure that every piece of the process was thorough and in order so there was no breakdown on the way to closing. He was knowledgeable, courteous with a good sense of humor and very efficient. He made sure that everything that was needed for “closing”, and there was a myriad of paper work as you know, was E mailed in an expeditious manner to the Title company so “closing” could take place as it was scheduled. I would give Mike my highest recommendation. Effective. Efficient. Knowledgeable. An absolute pleasure to work with a great representative like Mike
Mike Ferraro came highly recommended to me by my parents who had refinanced their home with him and were very pleased with his services. I benefited by working with Mike Ferraro in the fact that he helped me close on my refinance quickly, easily, and I wound up getting a much better interest rate on my mortgage which will save me approximately $340 per month. As a recently divorced, now single mother, these savings are highly beneficial to me. The process was essentially completely stress-free. Mike was extremely responsive from the time I put in my application to even questions I had after I had closed. He kept me up-to-date with everything that was happening with my loan, and made sure the process went along efficiently. He always promptly returned my e-mails and telephone calls and patiently and professionally answered all questions and concerns I had. I never felt like I was out of the loop or not sure where things stood with my loan. He communicated everything wonderfully. I was pleasantly surprised with how smoothly, easily, and quickly Mike made the whole process for me. I would unequivocally recommend Mike to any potential clients and in fact have already passed his contact information along to several friends and coworkers who mentioned they may be interested in refinancing or purchasing. I could not be more pleased with his services.
Dawn Grandol
Allentown, PA
I was referred to Mike Ferraro because they were local. I enjoyed the correspondence we had via email and I liked that I was able to just send documents via email to keep the processing moving in a timely manner. My APR was as stated with no hidden costs. Mike provided the product as described with timely responses. The experience overall was a positive one. Closing was extremely quick and pleasant.
Harriet Miller
Collegeville, PA
Mike Ferraro was my mortgage originator. He helped us refinance our 15 year loan to a new 15 year loan and lowered our rate a full point. He was very cooperative and responsive. He was always available via email and phone to answer all of my questions and concerns. We had an excellent experience and I’d highly recommend him.
Vince Anastasi
Pittsburgh, PA
We chose Mike Ferraro because he offered an educator incentive to all Kutztown University employees which waives closing costs. I did my research and Mike was also recommended by a colleague who he had done a loan for. Mike reduced our rate substantially and our mortgage was converted from 30 to 15 years. He guided us through the process from beginning to end. I would recommend Mike without hesitation.
I came across Michael Ferraro by luck since I responded to a radio ad. Indeed I was lucky. He was right there explaining each step along the way ,always explaining everything in detail. He showed me how I could get a better interest rate by taking a shorter term loan. He made sure we closed on time and avoided any increase in interest rate or extension fees. He even arranged for the closing at my home. I would definitely recommend Michael, in fact, I already have several times.
I highly recommend Mike and his team to anyone looking for exceptional help with a mortgage or refinance. We've worked with his team on three separate occasions over the past five years and we can't be more satisfied with the outcome. They are extremely helpful and knowledgeable, and always put your best interests first.
Russell Secor
Levittown, PA
Professional and attentive mortgage specialists. Mike and the team get the job done right!
Phil Stan
Plymouth Meeting, PA
Mike was on top of things from the very start. We knew exactly where we stood at all times. He was also quick to respond with revises numbers when changes took place. This is the second time we used Mike and I recommend him to everyone.
Mark and Mellissa
Lambertville, NJ
Mike Ferraro did an great job managing our fairly complex and very time sensitive situation. He is extremely detailed and patient. Great rate and great service, highly recommend!
Joe and Courtney Elgindy
Malvern, PA
If you’re in market for home financing, look no further and contact Mike! From your first interaction with Mike you’ll understand quickly that he will take good care of you. As complicated and daunting the mortgage process can be, Mike will help you navigate all the options, provide his coaching, and make sure you never miss an opportunity. Our family was fortunate to have Mike help us finance our home, and he can do the same for you!
Derek and Jen Lambert
MECHANICSBURG, PA
Mike is an amazingly patient person. We refinanced our first home with him. After we sold our first home we went right back to Mike again. He is extremely honest and answers all questions in a timely manner! I would recommend Mike to anyone!
Sandy Bakey
Glen Mills , PA
Mike was a tremendous help to us in our mortgage process. Because of his expert knowledge in the mortgage business, we're proudly able to call ourselves homeowners today. He was exceptionally thorough and guided us smoothly through the process. We highly recommend Mike and we will definitely will using Mike in the future.
Communicates throughout the entire process. Also, texts. Is there for you to answer all questions. Applies zero pressure. To refinance nowadays is a lot quicker than it was 10 years ago and less painful.
Exceptional! Bruce was available every step of the way. He made everything as seamless as possible. He was truly a joy to work with. When I got frustrated he was always able to calm me down. He was very patient with me and was so positive about everything.
Michele Freeman
Conyers, GA
The first time buying a house can be intimidating, but I never felt that way going through the process with BOE. They were always very responsive and easy to contact, and I always felt I knew what was coming next and when to expect it. Very professional and thorough from pre-qualification to loan closing.
They adapted easily over the course of 3 months of house searching. In such a tight market, my LO was quick and ready with whatever papers we needed, and when I got married midway through it didn't cause a single hang-up. The team at BOE is very knowledgeable and the entire process went smoothly. There were no surprises, just as they guaranteed. No lender fees and closed right on time!
After hearing what some of my friends went through as first time loaners, I was shocked at how enjoyable BOE made things! 10/10! Go with BOE! You won't regret it.
Jason Toedter
Hellertown, PA
I got referred to Bruce through a friend and during our first conversation I was assured e could help me. We chatted for a while about life and kids and he was very easy b to talk to. He explained the process of gathering paperwork, the preapproval, the underwriting and the approval. He guided us step by step through email, text and phone calls. He even waived our fees so we brought less at closing. i wasn't sure we'd even qualify for a loan because my husband had changed jobs, but Bruce assured us he would do what he could to get us in a new home. We are so excited to be moving into our first house. We couldn't have done it without a great mortgage guy backing us in from beginning to end.
Angela LAws
Bethlehem, PA
