Reviews from Long Island clients
5.0 from 30 Google reviews
These are my clients’ own words, copied from my Google Business Profile. I’ve grouped 12 of them by what people came to me for, so you can start with the ones closest to your situation, then read every review in full on Google.
- NMLS #2450179
- Scott Capital Group · Registered Mortgage Broker (NYS DFS)
- Equal Housing Opportunity
- Pre-approval: soft credit check, no effect on your score
By Kevin deNeergaard, Mortgage Loan Originator (NMLS #2450179) · Updated
Real reviews, word for word.
The 12 excerpts below are copied word for word from reviews on my Google Business Profile, spelling and punctuation included. Where a review runs long, I’ve trimmed it at a sentence break and marked the cut with an ellipsis (…). I show each reviewer’s first name and last initial and the month the review was posted.
Reviews describe individual clients’ experiences. Your options depend on your own credit, income, assets and property, and every loan is subject to the lender’s approval and underwriting.
First-time buyers
Six of my 30 Google reviews come from first-time buyers, and five of those six mention questions. That’s no surprise on Long Island, where a first purchase has moving parts many first-time buyers don’t expect: it’s customary to have your own real estate attorney review the contract, the property tax bill depends on the town, village, school district and special districts a house sits in, and New York charges a mortgage recording tax on the new mortgage at closing. I’d rather you ask than guess, so I explain each step before we get to it.
As first-time home buyers, we couldn't have asked for a better loan officer. Kevin made the entire process feel smooth and manageable, always taking the time to explain everything clearly and answer all our questions. My husband and I felt supported and informed every step of the way. Highly recommend!
… As first time homebuyers, we had a million questions about every step of the process, and Kevin took the time to explain everything clearly and thoroughly, making the entire experience seamless and less stressful. He was incredibly patient, always approachable, and made sure we fully understood each detail along the way. …
Kevin and the team were great and helped us secure a mortgage to purchase our first home! They walked us through the entire process step by step and were available to answer any questions we had. I would definitely recommend.
Excellent and very professional service. As a first-time home buyer, I felt supported through the entire process. Everything was explained clearly, communication was great, and they made what could be stressful feel smooth and easy. Highly recommend!
Kevin was very helpful throughout the whole process! He explained everything really well and was able to answer all the questions I had as a first time buyer!
Starting out? Read my first-time home buyer guide, see how home purchase loans on Long Island work from pre-approval to closing, compare FHA loans on Long Island, and ask me about the private down payment assistance programs available through lenders I work with. Terms and eligibility vary by program and lender, and not everyone will qualify.
Refinancing
Most of my reviews come from purchases, so this section is short for now. A Long Island refinance has its own math: the new mortgage is subject to New York’s mortgage recording tax, a CEMA may reduce that tax when your current lender cooperates, and what the new loan saves you each month has to cover the closing costs well before you expect to sell or refinance again. I run that break-even with you before you decide.
I’m so glad I chose Kevin for my home refinance process. His knowledge and experience, combined with his patient approach, made this otherwise stressful event a smooth and successful process. …
See refinancing a mortgage on Long Island for the options and how a CEMA works, and why mortgage rates move before you think about timing a lock.
Communication and guidance
The rest of my reviews are about how the process felt: who picked up, how fast questions got answered and whether anything came as a surprise. I compare programs from the lenders I work with, and the lender you choose underwrites and funds the loan. You deal with me from the first call to the closing table. I work with buyers across Nassau and Suffolk.
Kevin helped my wife and I from the minute we walked into the open house. He walked us through the entire mortgage process from start to finish in detail and happily answered all of our questions. He was always happy to jump on a call to touch base which I really appreciated. If you want someone who really cares about you during the home buying process and is a true professional through and through, Kevin is the guy! I’ll be recommending him to all of our friends and family moving forward. A true 5 star experience.
We had an excellent experience working with Kevin throughout our mortgage process. From start to finish, he was incredibly knowledgeable, responsive, and supportive. He took the time to explain every step clearly and made sure we felt comfortable and informed with each decision. …
Kevin was extremely communicative. There was not one step of the process that I didn’t know what was going on. Explained everything in detail and jumped through quite a few hoops to make our family’s dream come true.
Kevin and Nicole are the dream team! They were transparent and down to earth, explaining every step of the process, and hit the ground running from the start. They answered any and every question we had, which made the process easy and painless. … Kevin kept in touch from start to finish and held our hand through the final steps, and we couldn’t be happier working with them both! …
This process was so easy thanks to Kevin and Nicole. Appreciated how quickly all our questions were answered and how thoroughly everything was explained.
Kevin made my home buying experience very simple. He was always quick to respond and made everything easy to understand. I highly recommend using Kevin to purchase a home!
More on how I work: about Kevin deNeergaard, my pages for Nassau County and Suffolk County buyers, and an overview of Long Island mortgage loan programs.
Worked with me? Leave a review.
If I helped you buy or refinance, a few honest sentences on Google help the next Long Island buyer decide who to call. Your review posts directly to my Google Business Profile.
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