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“The day of the loan, he called us and told us we could actually lower the interest rate that day if we wanted to wait a few days, which I don’t think many lenders would ever do. So it was a great experience, I’d recommend him to anybody.” Dr. Tricia and Derek Twelves
“My experience working with Josh and his team was a positive one. They made it as easy and painless as possible. Even when my refinance became more difficult than originally anticipated they handled it professionally and efficiently. They are very organized and do a great job communicating during the entire process. I would highly recommend them to anyone looking to refinance their mortgage.” Dr. James M. Dahle, MD, FACEP, Editor of The White Coat Investor
"David Nelson at NEO Home Loans was amazing! He helped us through some very stressful times and was always available to answer any questions that we had. My wife and I were very impressed and if we ever need any future mortgages David will be the first person we contact and the first person we would recommend. We are very happy with our results!" Michael Tillman, CRNA, Tulsa, Oklahoma
Tucker CRNA testimonial"As first time home buyers, we were a little worried we would be overwhelmed with the process of finding a home. Scott Breen and NEO Home Loans made the loan process simple and seamless. We love our new home and would recommend NEO Home Loans to anyone looking for a place to call home!" Elizabeth M. Tucker, CRNA and William S. Tucker, North Fulton Anesthesia Associates, Atlanta, Georgia
"Working with Ross from NEO Home Loans was a fantastic experience. He was informative, honest, cordial and always prompt with his replies. We would recommend both Ross and NEO Home Loans to anyone looking to buy a new home!" Dr. Jeremy Hunt, and Crystal Hunt, HealthPartners, St. Paul, Minnesota
"The difference between working with Josh at NEO Home Loans and the competition was clear from the start. Instead of asking how much i wanted to borrow Josh took the time to calculate and talk through what would be best for me based on my goals. After hearing horror stories of delays, paperwork and complications with the home buying process i was surprised to find that my experience with Josh and NEO Home Loans was as smooth as can be. When the sellers requested a shortened closing timeframe Josh assured us that they could get it done without a doubt. Indeed they had our loan ready to close days early on an already accelerated closing timeline. impeccably proffesional and always available to talk. I wholeheartedly recommend Josh and NEO Home Loans, they'll look our for you, promise only what they can deliver and get the job done! " Van Willis, Kaysville Utah
"We were so happy with NEO Home Loans, and especially Matt Smith. They were able to overcome some serious hurdles that other lenders couldn't. Matt was always available to answer questions. The entire process was made so much easier because of their service!" Dr. Lance & Emali M Mollenhauer, Gilbert Arizona
"I have nothing but good things to say about David Nelson and his team. They were good communicators throughout the process, and provided me with answers to my many questions as a first time homebuyer. As a medical student, it was hard for me to take time off of work for hone calls etc. During the day, which I was concerned about. David and his team were very flexible about this, and the majority of the process was done via email, and online document signing. Very efficient. Very professional. I also very much liked the financial info David sent me, very informative and easy to read for someone who doesn't have a financial background. Thank you for everything!" Dr. Daniel Johnson and Family
"Thank you for making the home loan process simple and streamlined! We appreciated the assistance and communication from Josh Mettle and his team at NEO Home Loans. I am definitely recommending them to my friends and family. We are in love with our new home and the sunset views over the wetlands from our front yard! " Dr. Nicole Pena, Vallejo California
"Our experience with NEO Home Loans was truly unexpected. I have never heard of anyone going through the process of getting a mortgage loan and have everything go so smoothly! Drake is absolutely one in a million and is not only extremely knowledgeable, he is kind and patient. Aside form how professional everyone at NEO Home Loans conducted themselves, they are thoughtful and it almost feels like you are their only client because of the level of attention you get. We had started the loan process with a major bank and needless to say, we withdrew our application with them and decided to go with NEO Home Loans, knowing they would make things happen and that everything would turn out exactly as they said it would. And it did! Thanks again to the entire team that made buying our first dream home possible! We couldn't be happier!" Dr. Luis & Barbara Mijica, Houston Texas
"I loved working with Drake and NEO Home Loans. From day one they were personable and kind. They walked me through every step of my CRNA loan, offered competitive rates and I couldn't stop bragging about them to my friends and family. Even my realtor was amazed at how great they handled everything. Although across the country, they work as if they are right around the corner at an in-town office. Drake and NEO Home Loans were there whenever I had a question via email or phone, and they never made me feel like my little questions were a bother. They genuinely cared and I felt like I was their only customer. Closing was painless and quick on their end and even on the days when I had no questions, they reached out in many ways just to let me know they were there. I was easily moved in by the holidays and now I can sit and relax with my family and friends. I would use them again in a heartbeat, but I plan to enjoy my new home for a long time! !" Rachael Skaggs, CRNA, Warren, OH
"Ross Zimmerman, Jordan Asmus, Brock Harvey and the entire team at NEO Home Loans were exceptional! We shopped around for several home loan options and found NEO Home Loans’s CRNA Home Loan option to be a perfect fit for us. Ross kept us updated throughout the process- from our initial inquiries all the way to closing. Via the NEO Home Loans app (pretty cool!), email and texts, all of our questions and concerns were addressed immediately. Whenever we submitted any necessary documentation for our home loan, NEO Home Loans was amazingly quick to do their part to get us to the next step. We were shocked to have received our clear to close much quicker than anticipated. This is our second time buying a home and NEO Home Loans made their part of the process stress-free. We highly recommend Ross Zimmerman and the NEO Home Loans team and will definitely be referring our friends their way. " Mark & Deanna Doria , CRNA, Katy, TX
"I am very pleased with our first home purchase through the Physician Group at NEO Home Loans. We had a very quick close date and Austin Coleman and his team worked diligently to get us closed on time. Thank you everyone at NEO Home Loans for giving medical students and residents an opportunity to purchase a home. " Dr. Aaron Tu, Scottsdale Arizona
"I was referred Mike Jones with NEO Home Loans by my sister She told me I was in good hands with Mike and she was right. I have bought houses in the past and this was by far the best and easiest experience I have ever had with getting a mortgage. Mike communicated with me through the entire process so I knew what was happening the whole time. I loved NEO Home Loans and Mike so much that I decided to refinance my loan when interest rates went down. I would recommend Mike Jone at NEO Home Loans to everyone. " DDS Kelley Ryals, Santa Fe, NM
The customer service David and his team provided throughout the entire process was unlike anything we’ve experienced! They answered all of our questions (always within 12-24 hours, sometimes within minutes), and let us know where we were in the process and where we were going. Hands down the best experience with a mortgage company we’ve ever had - we’ll never use anyone else and will recommend without hesitation to our friends! Michael & Amanda Dinges, JD. , Carmel Indiana
"Josh Mettle and his team helped us achieve what we thought we couldn't! An amazing team with an incredible solution for physician home loans. Responsible, knowledgeable and trustworthy! My family and I are homeowners thanks to Josh and the NEO Home Loans team! Thanks guys!" Dr. Roman Spivak, Pulmonary Specialties, Fairfield, Connecticut
"Josh Mettle and team were amazing! I would highly recommend them to anyone looking to make their home buying experience easy and stress free. Originally we started with another mortgage company and we were dragged along until 10 days before closing when they decided they couldn’t help us anymore. We were moving from California and already had jobs in Utah. And now we were 10 days away from being homeless. That’s when Josh and team came in to save the day. What the other company couldn’t do in a month Josh and team did in 10 days. Thank you so much for being our mortgage superheroes!!" Marissa Schultz, Eagle Mountain, UT
"We had a great experience working with NEO Home Loans Company. Everything was prompt and this speediness of replying and availability of our contact person at NEO Home Loans was so useful during the closing process when things feel a bit tentative. It was really nice to know that we didn't have to worry about the lending aspect of closing. All around I would highly recommend working with NEO Physician Home Loans." Katherine Beebe , Salt Lake City, UT
"Everyone at NEO Home Loans was great to work with. Shane and his team did exactly what they said they could do and in the amount of time that we were told. I've worked with other lenders before that tell you one thing to earn your business and then when it comes time to close the dates or numbers aren't the same. This was not the case! Great work with this company! " Stephen and Keara Cox , Mount Pleasant, SC
Our experience with Shane and the team at NEO Home Loans was nothing short of excellent. The entire process was streamlined and exactly what Shane claimed it would be. I was skeptical at first (as I usually am) when Shane explained the package they could offer specific for our needs and the speed at which he could get it done. Yet, here I stand at the end of the process still shocked he could deliver this quality of a loan in the speed he did; not to forget the top notch customer service I consistently received. I’ve referred several colleagues of mine to Shane and NEO Home Loans and I would/ will use NEO Home Loans in the future if the need arises!

Joe Downing, Rockville, IN

"We were very impressed with NEO Home Loans. Buying first home can be stressful, but Josh and his team have been very helpful to get the loan processing done without any delay. He was very fast to respond and answer all my questions. I want to thank Josh and his team once again." Dr. Gopi, Salt Lake City, Utah
"Scott Breen and Glenda Marchessault were fantastic to work with. We had prompt communication and they were always willing to answer our million questions! Thanks for making the home loan process such a breeze!" Darrin and Sterling (Penni & Bourbon), Physician Assistant, Salt Lake City, Utah
"I had an excellent experience with NEO Home Loans! My agent, Mr. Scott Breen, was incredibly polite and professional. He was able to process my application in a single month! I am incredibly thankful to Mr. Breen, and everyone at NEO Home Loans, for helping me to finally own a home of my own, a dream I have had since I was 13 years of age." Dr. Neal Verma, Resident Physician, Middleburg, Florida
"Scott did a great job getting us a Physicians Loan! The loan process was relatively quick and easy, and they answered all of my many, many (annoying) questions :) We would highly recommend NEO Home Loans to anyone buying a house in the Salt Lake area. Thank you for all of your time and quality service!" Dr. Dasha Kenlan, Resident, University of Utah, Salt Lake City, Utah
"Our experience with NEO Home Loans was phenomenal. Dan was incredibly helpful, answering all our questions throughout the process and ensuring we found the loan that worked best for our needs. Everyone we worked with was friendly and professional. We recommend them to everyone we know who is looking to buy a home!" Dr. Caitlin Gallagher and Erin Gallagher, Helena, Montana
"What a pleasure! The loan process is generally the least fun aspect of the home buying process and NEO Home Loans made it easy! We were able to apply, buy, and close all from the comfort of our sofa! Thank you NEO Home Loans for tailoring every aspect of this process to our needs!" Alexandra M. Varias, CRNA, Clearwater, Florida
"Mike Jones at NEO Home Loans was exceptional!! The process was extremely easy and we closed our VA refinance within a couple of weeks. Mike Jones was very knowledgeable about our VA loan and answered any questions we had right away. We are so happy with our process and if we ever refinance in the future, Mike Jones at NEO Home Loans will be the first person we call! Thank you to all of the team at NEO Home Loans for making our life so much easier in this process!!" Kristin and Michael Tillman, CRNA, Navarre, Florida
"Shane Barker and the NEO Home Loans team were amazing to work with and got everything ready to close on my house before the builders were able to build it. Shane went the extra mile to make thing quick and easy." Dr. Weronika Douglas, DDS, Horizon City, Texas
"We are so thankful for everyone that made the loan process go smoothly for us! We love our first new home!" Dr. Kristina Weitzel, DVM, Columbia, Missouri
"After calling every bank in town, every one of them either didn't call us back after our initial conversation, or they told us they were "weary" of us getting approved for a home loan with our debt-to-income ratio. Being first time home buyers was extremely scary and stressful, but NEO Home Loans took all of that stress and fear and turned it into confidence and power. We were given a book to empower our understanding of the home buying world and lingo, we always received quick responses from our loan officer (even on weekends), and we were never in the dark with our application status. I had full confidence with NEO Home Loans knowing our situation as recent medical school graduates and never had a worry. This was huge for us! We started the process of applying for a loan with a local bank that our real estate agent recommended, and when I would ask her questions I felt like she was annoyed she had to explain what everything was and that I didn't understand all the lingo. I never felt that way with NEO Home Loans. My loan officer was always happy to offer explanations and help. He usually offered them before I even had to ask. NEO Home Loans truly was a breath of fresh air for us! I would recommend them to everyone, but especially families who are a part of the medical community and have a large amount of student-loan debt." Dr. Trevor Pugh, University of Washington-Boise, Boise, Idaho
"We had a wonderful experience with Josh Mettle and NEO Physician Home Loans. This is our fifth mortgage for our third house and this is BY FAR the easiest process we have had. Josh Mettle and his staff were superb to work with and communication was superb. Thanks for everything!" Dr. Eric Rush, Children's Mercy Kansas City, Parkville, Missouri
"After struggling with a lender that was unfamiliar with physicians loans we discovered Josh Mettle with NEO Home Loans. NEO Home Loans was clearly the right choice! They worked with us throughout the entire process, kept us updated by email, documents were easy to access, and our questions were promptly answered. Even our realtor commented on the high level of professionalism and ease of working with this group. We are super happy in our new home - thanks again for everything!!!" Dr. Jonathan Muretisch, Resident Physician, Caldwell, Idaho
"We worked with Mike Jones and it was great. He was very eager to help and he was always available for questions. Kept on task and moving forward. He and his team was able to get the loan approved in a very timely manner. Overall very good people to work with. Our real estate agent has now been referring people to them as well." Dr. Jesse Swift, Ophthalmologist, Albuquerque, New Mexico
"I really appreciate all of the help that NEO Home Loans provided me with throughout my first home buying experience. Ross, in particular, was extremely helpful through every step of the process, and he was always available when I had any questions or concerns." Thanks again! Christopher Belics, DC, Chiropractor, St. Louis, Missouri
"We recently became first-time homeowners thanks to Mike Jones and his team at NEO Home Loans. After having a frustrating experience with Bank of America, then another roadblock with Security National, and two other phone calls to other lenders, we finally found our fit with NEO Physician Home Loans. Mike sent us a video comparison so we could see our loan options spelled out and he was readily available for all of our questions. He gave us a step by step process so we knew what was happening the whole time. He gave us confidence that we could still get into our home on our timeline and his team worked magic! We are deeply grateful for their efficient work and late hours spent on our behalf. Many thanks to Mike Jones and his team for making our dreams become reality! My family was able to move in to our first house where we have room to spread out, a backyard to play, and where loved ones can gather. THANK YOU!" Jennifer Brown and Dr. Chase Brown, Resident Physician, Springville, Utah
"David made the mortgage process very easy, he was always quick to respond to emails and only a phone call away. My realtor also enjoyed working with NEO Home Loans as she got all the information she needed very quickly. I shopped around quite a bit for mortgages. With NEO Home Loans I was given a fair rate and wouldn't have been able to purchase a home without them. They were very understanding of the situation graduating medical students are in and were quick to help get me get in a home. If you are a graduating medical student looking to purchase a home before residency I would recommend NEO Home Loans." Dominic Diprinzio, Resident Physician, UMC Medical Center, Las Vegas, Nevada
"As first time home buyers we were nervous about the whole process, especially because of a bad experience in the past that led us to rent instead of buy. My husband was a few months away from graduating from Medical school and we had a small baby but knew we didn't want to rent anymore when we moved for his residency. We decided to buy, even though we already had a lot of stress. We shopped around for a company that would work for our needs and give us a better experience. This is when we came upon NEO Home Loans company. After reading their reviews and speaking to Mike Jones, we felt comfortable going with them and we have no regrets! We struggled to find a house in a competitive market and when we found one we loved, Mike called the listing agent on the house we liked to recommend us as buyers. After getting an accepted offer, the entire process went incredibly smooth and quick because of Mike's diligence ahead of time. We closed on our house in less then 3 weeks! He kept us updated every step of the way and made sure we knew what to expect. He was so helpful and great with responding to any email or question we had. We highly recommend him and NEO Home Loans and will definitely be using them in the future! They actually made buying a house a fun experience!" Dr. Zachary Loy, Psychiatry Resident, Pine Rest Christian Mental Health Services and Kelsie Loy, Sparta, Michigan
Couzens Testimonial "I can't thank Scott Breen enough for his help! It was our first time buying a house, and he made the process much less intimidating. He was very responsive with emails and phone calls, and was very patient with my numerous questions. I would highly recommend him and NEO Home Loans to my friends and family." Dr. Erica Couzens, Resident Physician, Fontana, California
"Smooth process for my first mortgage! Couldn't be more thankful for David Nelson's quick response time to my millions of emails and his help throughout the process." Dr. Hannah Wolsiefer-Leak, Resident, University of New Mexico, Albuquerque, New Mexico
"They kept us informed through the entire process and made everything so easy!" Dan-Huy Nguyen, M.D., Doctor of Pharmacy, Edmunds, Oklahoma
Price family, new homeowners"Amber and I were so grateful and impressed with the hard work you guys did on our loan. The experience was as pleasant as you could ever expect while getting a mortgage. Amber and I are very pleased with our new house and it is all thanks to you guys!" James Price and Dr. Amber Price, M.D., Orthopedic Resident, University of NM
Root family happy clients"As both my wife and I were graduating from medical school and wishing to purchase a home, our options were limited when it came to home loans. Josh and his team were very patient in explaining our options and the home buying process. He always returned our calls and answered our questions in an extremely timely manner. I highly recommend The Physician Group for those looking for a new home." Dr. Shane Root and Dr. Melissa Balbuena-Root, M.D., Resident Physicians, St. Joseph’s Hospital
Burton physician family"Our experience was great, mostly because of two people: our loan officer and our paperwork expert. This was our second time buying a house, and I have never seen a smoother process. I initially reached out to this group because my husband and I were looking for a physician loan, which not many people seem to thoroughly understand. Many places have strict requirements for mortgage loans, especially when there is excessive debt involved. It had been thoroughly frustrating trying to find a place that understood our situation: we had a high debt-to-income ratio, but our income would be going up within two months of moving. I interviewed three or four places, and easily settled on using the Physician Group. They were always quick to respond to emails and always updated us when there were changes. When there were a few weeks while we were waiting for paperwork to go through, they always kept us aware of everything and always reminded us what paperwork was missing or needed updates. Like I said earlier, this was by far the easiest large purchase we've ever made." The Burton family - Dr. Michael Burton and Tandi Burton, Wee Care Pediatrics
"We had such a wonderful experience with The Physician Group. We were not sure if we would qualify and we were overwhelmed with all that we needed to do to buy a house. You guys took all the stress from off our shoulders and took care of everything so quickly. We could not be more happy with our new home and we owe it to you guys for making it happen! We have already referred some friends and will continue to do so! Thanks!" Dr. Kyle Cordner D.D.S. and Natalee Cordner, Dentist, Shalimar Family Dentistry
They made the process of buying our first home efficient and easy."The Physician Group made the process of buying our first home efficient and easy. Being 1st time homebuyers, they made each step of the process flow seamlessly. The team would respond within 1 hour each time and would send almost weekly emails to check in on me and to explain the process from that point in time. They helped me secure a great home loan and secure a loan to pay for the down deposit, since I was a poor medical student and could not afford this on my own. Even more, they set me up with an excellent realtor so that I didn’t have to do research to find one on my own. Overall, being a medical student, and now a doctor, with very little time, the Physician Group made the whole process enjoyable for both my wife and I. I fully recommend anyone looking to buy a home to explore what they can do for you." Dr. Chris Newberry, M.D., Otolaryngology, University of Utah Hospital
Buff"As soon as we received our residency assignment for Tucson, Arizona, we began our search for a house. We were familiar with physician loans from the White Coat Investor and had seen Josh Mettle recommended on that site. After researching a few other physician loan programs, we quickly settled on working with Josh due to his responsiveness and personal touch. Given the short turnaround, working with someone as responsive as Josh was critical. The other loan programs we contacted took several days to even respond to our initial inquiry, whereas Josh had already put together a personalized presentation for us and walked us through all of the great options available to us. It made it a no-brainer to move forward with Josh, as we had complete confidence in him to take care of us throughout the process. Once we found the home of our dreams, Josh began working with our realtor immediately to iron out all the details. Our realtor commented several times on how prompt and responsive Josh was, as he's been in the business for decades and rarely worked with a company as professional and timely as this. From start to finish, we had complete confidence that everything would be handled promptly and professionally and never had any concerns about our loan being processed and approved on time. Our total closing costs also came in well below the initial projection, which was a great surprise during our completely painless closing process. If we move at the end of residency, we will absolutely be using Josh for our next home loan, as our experience with him was flawless from start to finish." David & Dr. Michelle Buff, Resident Physician, University of Arizona
Greenfield happy client"Our experience with the Physician Group was great! They made it easy to go through the stressful experience of buying a house. We spent nearly a year looking for the right home. They were helpful and patient throughout the entire process. The agents were always kind and helpful and always got back to us quickly. We would definitely use them again for future home purchases." Dr. Ben Greenfield, Pediatric Physician, Intermountain Healthcare Central Orem Clinic
Gardner satisfied client"We recently completed a home loan refinance with Matt Smith and his team and had an awesome experience! Matt helped us through the initial phases and determining the best mortgage option. They were insightful in helping us secure the lowest interest rate possible--even when it meant more work and hassle for them. They saw to every detail and made it as easy as possible for us. They kept things AHEAD of schedule and closing could not have been easier. If only this level of customer service existed in all the other facets of life. This is an excellent team of professionals and we will definitely be back with all future real estate ventures. Thanks guys!!" Dr. Aaron Gardner & Mrs. Amy Gardner, Pediatrician, Mountain States Neonatalogy
Shaw"Shortly after moving to Utah my wife and I realized that we needed to move out of our apartment and buy our first home. As young professionals, a dentist and attorney, we had been in our fields for less than six months. We started searching for lenders that would work with us to get a mortgage. I spoke with several brokers that quickly informed us there was nothing they could do for us. I contacted Ross Zimmerman and he ensured us he would do everything he could to help us find a mortgage. He was quick to respond and made sure that he had everything he needed to search for a lender that would work with us. Although it wasn’t easy, he was able to find a lender that was willing to work with us. He and his support staff, particularly Cathy Richardson, were very professional and helpful guiding us through the process. They were always very responsive and informative when we had questions. They were able to secure a lender and help us get to closing. Instead of checking with other brokers, start with Ross Zimmerman and his team. They will do what it takes to get you into your new home." Luke Shaw and Dr. Rachel Shaw, DMD, Springville Dentistry, Springville, UT
Happy physician client "Our lending process with Josh Mettle was fantastic. I was a seamless process. He and his associates were available and easy to reach if we had any questions. Josh talked with us for quite a while; going over what options were available to us for a first time mortgage, and what options would best fit our financial status now and in the future. His rates were the best we could find. Josh was highly recommended to us by the Utah Medical Association for his first-hand experience in working with physicians and understanding their financial needs and assets, as well as the projected income changes for new physicians. We couldn’t be happier with the outcome of our experience. After years of moving across the country for schooling and training, we are happy to finally “put some roots down”. My family loves our new house and neighborhood, and I love the fact that I feel like I received the best deal and rates available for my mortgage." The Wood Family, Dr. Geoffrey Wood, MD
Gerrior"2 days before our mortgage was to close (and 1 week before our wedding) Bank of America pulled out due to my lack of a green card. We were devastated. We had put in so much time and travel to find the house, and it was 6 weeks before my start date. I called local banks in regards to physician loans with no success. In a last desperate effort I googled. And it was the best thing that could have happened. I called Drake that day and he got back to me with great news the night before closing. He was able to smooth talk the realtor into holding on and selling to us. Such a pro. We closed on the house 30 days later. During the next week Ashley helped us through the paperwork and we had most done before our nuptials. The team is wonderful. I wish we had been with them from the beginning. We got a great rate, no problems at all. They even sent us a wedding gift!! Don't hesitate to let this team help you." Melanie Gerrior, MD, Hospitalist, Valley View Hospital, Glenwood Springs, CO
Happy dentist homeowners"We worked with Josh Mettle and his team on our first home mortgage. We went into it pretty unfamiliar with how things work and the whole loan process and his team was so great to explain and help us through everything!! We were purchasing our home at a very busy time and we were in a rush to get into our house and they were very promo to finish our loan and resolve any problems we had along the way so that we could get into our house in the time frame we needed. We really appreciated them and enjoyed working with them." Megan Griffin and Alec Griffin, DDS, Dental Resident, VA Hospital
Happy first time buyer!"My first home! I was completely unaware of the amount of work/commitment that goes into the loan approval process. I would choose no one other than Joel and his team. All questions/concerns were thoroughly answered in a timely manner (either via email or over the phone). Two big thumbs up and a 10/10 from me." Scott Paulsen
Hicks"My wife and I were treated like gold throughout the entire process working with Josh and his staff for our home loan. Even after I closed I was skeptical that if I had a question about our loan that we wouldn't be helped as quickly. I was wrong; Josh replied to my questions and was very helpful along the way and even after closing. Thanks Josh!!" Dr. Tyler Hicks, DMD, Dental Resident, VA Hospital, Salt Lake City, UT
Happy physician homeowners in CA"I had a very positive experience with the team and Josh Mettle. The entire process of buying the house and getting loans approval went smoothly and in a timely manner, especially with the time constraints that we had. Thanks to Josh. He always responded to our emails and phone calls right away. I highly recommend Josh Mettle and his team for a physician's loan." Dhrupad Joshi, M.D., Neurology Resident, Harbor-UCLA Medical Center and Aditi Parikh, M.D., Resident Physician, University of CA, Riverside
empey"We had a complicated loan, and Brandon somehow made it all work. We also ran into some timing issues with closing, but in the end we were well taken care of. Brandon's team took a tough job and made sure we had everything we needed. Thank you to Brandon and his great team!" Natalie Killpack and Ryan Empey, M.D., OB/GYN, Granger Medical, Riverton UT
Pat"Drake and his team were great at guiding us through the loan approval process in a timely manner. We got the loan we needed at the rate we wanted. I'd recommend Drake and team to all my friends and family in need of mortgage services. Thanks again!" Pat McLaughlin, Salt Lake City, UT
Gardner"We could not have asked for a better home buying experience! Working with the Physician Group was an absolute pleasure from the first contact to closing. We were pointed to them by our financial planner at Larson Financial, where we greatly appreciate their excellent customer service, and we were pleased to see the same level of service with the team. Buying a home in the current economic climate is no easy task. Even though we had our affairs in order and all of our documentation well-organized, there were still a lot of unexpected hoops to jump through. Matt and Ashley guided us through every step of purchasing our new home in Idaho. Every email or phone call was promptly returned. They answered all of our questions, explained each step of the process, and followed-up regularly. They took care of all the little details that we honestly just didn’t have time for. They were always ahead of schedule and redundant in their efforts, so that nothing would fall through the cracks when it came time to close. Even though our relationship with them was from a distance, we always felt like we had their full attention and interest. We very much appreciate their quality service, attention to detail, and personal touch. We would gladly give them our highest recommendation, and look forward to working with them for all our future transactions." Dr. Aaron Gardner, MD. & Amy Gardner, Pediatrix Medical Group
Teames"I thought Joel was great. He helped answer all of my many questions and constructed a great loan. there were many many times I didn't think we were going to be able to close. There were plenty of rocky points along the way but at the end of the day, we got our home!" Richard Teames, M.D. Anethesdiologist, Sharidon Healthcare of North Texas
"He gave us the best rate and our closing costs were comparable to the major banks out there. So you know, he was excellent, his rate was amazing and he's just been a great person to work with. I have no complaints. We wish that we had gone with Drake sooner. We just had a really good experience with him and his team." Dr. S.P., University of Washington Boise Internal Medicine
Saenz"I truly cannot thank Drake and his team enough for all of their hard work in allowing us to buy our first home! As brand new physicians who just graduated from medical school, it was a dream of ours to buy a home but we knew there were going to be many obstacles along the way. Drake and his team lead us through the entire process with patience and diligence and we cannot be happier with our experience. From initial phone call to signing paper work, Drake and his team were always available for questions and clarification of the process. We were able to buy a beautiful home in Tucson, Arizona and could not have done it without Drake's help." Jessica August-Saenz, M.D. and J. Anthony Saenz, M.D., University of Arizona Medical Center
"Thanks Josh, you made this so incredibly easy (MUCH easier than my previous loan). I will definitely refer my colleagues to you." Dr. Chad Spain, M.D., Family Practitioner, Intermountain Health Care
"I have been very satisfied with the Physician Group. Definitely would recommend you guys. I spoke with one of friends who is just starting a job as an emergency physician in Utah and is interested in hearing what you have to offer. He gave me permission to have you contact him." Jonathan Gochnour, M.D., Emergency Physician, Regional West Medical Center
"Today we were able to close on our home and sign all the documents. I just wanted to say thank you to everyone involved. Mostly to Brandon who admittedly considered buying a room size white board to make my loan happen ever since our first communication clear back in December. I'm sure my phone calls were not always the most pleasant and full of questions, but Brandon was nothing but pleasant and professional throughout. I also want to thank Josh for stepping in at the end to make sure we got this done. Once again, thank you from both me and my wife. Good luck with the other 100+ closings this month." Eric Lindley, MD, Interventional Cardiology Fellow 2014-2015, University of Utah Medical Center Division of Cardiovascular Medicine
"We loved working with Drake. He was very prompt answering all of our questions and walking us through the loan process. I will definitely recommend him to others who are considering these loans." James Jordan, MD, Neurohospitalist, Everett Clinic
"We really enjoyed working with Camille. We sold our home quickly, 6 days after it was listed, so needed our home loan for the purchase to be processed smoothly and efficiently. Camille understood my schedule as working physician and came in to meet with us for the first time on a Sunday. We were financed and ready to close in less than a month from the time we met her. She was patient and communicated all of our potential loan options clearly, which allowed us to consider them all and choose what worked best for our family. She was very responsive to all of our questions, and took a lot of the stress out of the process. I couldn’t have imagined a more pleasant experience." Dr. Kencee Graves, Internal Medicine – Assistant Professor (Clinical), University of Utah School of Medicine
"From my very first email/phone call to Drake, he was professional and courteous. He understood and had compassion for the 'time crunch' we were under and seamlessly made our loan happen! He was always available by phone or email and we could not be happier with the service we received from him directly and all of his colleagues at his firm. We will most definitely recommend Drake to others!" Dr. Kristophe Karami, Neurosurgeon, Kaiser Permanente OR
"I have purchased multiple homes in the past and have not had a better experience from any prior mortgage company. Drake was responsive and personable throughout the whole process and was supported by a team that stepped in and knew what was going on anytime he was away. I enthusiastically recommend Drake and his team for anyone looking for a home mortgage." Dr. Jim Eaton, Radiologist, VA Hospital, Spokane, Washington
"I had a great experience! Sheila kept me in the loop with the whole process. No complaints at all. Thanks guys." Tyler Anderson, Larson Financial Group,The Physicians Specialist®
"I called Brandon Hatfield when another lender had denied our loan in underwriting because of my husband's dental school loans. Brandon not only secured our financing with no hidden fees and at a great interest rate, but he did it so quickly that we were still able to close on time! Brandon and his team's level of customer service far exceeded our expectations. Thank you, thank you, thank you!" Kristin and Brett Stallings, DDS, Muscogee (Creek) Nation
"Camille did a fantastic job helping us get our home financed. Our construction loan was not typical and we had gotten a lot of run around from other lenders. They did not take into consideration what terms we wanted for our home loan and kept sending us options that were easiest for them to push through. Camille was wonderful. She found a loan product that fit our needs. She was great at keeping in close contact with us and making sure we fully understood what stage our financing was in and what additional documentation we needed to provide to push things forward." "Camille was personable and easy to talk to. She never pushed us to sign or do anything with which we were uncomfortable. We will definitely go through her when we need our next property financed and will be sure to refer our friends and family to her as well." Katie and Dr. Kent Hart, E.R. Physician, Emergency Physicians Integrated Care
"Drake and his team were wonderful to work with. Everything went very smoothly for us. I would definitely work with them again!" Kim Cannon and Dr. Daniel Cannon, ENT Physician, Mid-Columbia Medical Center
"My experience was great. Everyone was very helpful. I appreciated Evelyn coming to the closing and answering questions as we went along. Thanks again!" Dr. Dan Thunell, DDS, Wasatch Periodontics
"Drake was fantastic, always responsive and creative with strategy." Bruce MacWilliams, Ph.D. Associate Professor, University of Utah Orthopaedics
"We had a great experience buying our home with David Nelson and team. Emails were answered promptly and everything went very smoothly. The final cost came in under the estimate as well, which was a nice surprise. I would recommend them to others." Danielle and Dr. Mark Rowan, Pediatrician, Alpine Pediatrics
"Was efficient and easy to work with. Seemed to be organized in getting information needed. Set things up and followed through. Very positive." Dr. Patrick Greis, Professor, Dept. of Orthopaedic Surgery, University of Utah Orthopaedic Center
"We had a great experience!!!! Thanks a million for all of your help! We are still underwater with the move, but are loving the house. Bless you and your staff!" Dr. Gladys Tse, OB/GYN Physician, USMD/MCNT
"The process of buying a home is arduous and exhausting. Matt Smith and his team were persistent and helpful." Dr. Adam Bell, General Surgeon, Valley Medical Center
"We had a great experience with Drake and his team. We were completely new to the process and he made us feel comfortable from beginning to end. Ryan Davis deserves recognition as well for keeping us informed, handling our unique situation, and providing great guidance. We would definitely recommend this team to anyone needing a Physician Home Loan." Dr. Jessica August, Resident Physician, and Dr. Anthony Saenz, Jr., Resident Physician, University of Arizona Medical Center
"Matt Smith and his team were great. They delivered like they promised and got the job done." Joshua Slade and Dr. Chelsea Slade, McKay Dee Hospital
"We lived clear across the United States from where we were building our home and the team made the entire thing hassle free doing everything via email. This was our first home purchase and they were able to keep our minds at ease and answer all of our questions." Jason Pursley Parker and Dr. Ryon Parker, Southern Nevada Internal Medicine
“I am an extremely critical individual when it comes to customer service, and take my judgments in this area very seriously. I am continuously evaluating various areas of service I receive including: communication clarity, communication timeliness, level of respect for clients, degree of perceived effort put forth on behalf of the client, knowledge and ability in professional sphere, response to crisis or unexpected circumstances, organizational structure of team, delivering upon understood expectations, etc. I would rate the Physician group and Josh in particular at near the highest possible level in all of these areas, and an example of the type of service I am looking for in all of my professional interactions. I was extremely impressed with Josh’s implementation of his obviously high-level personal talents. He is bright, knowledgeable, agile, and appears sincerely interested in the best interests of his clients. Even with their best efforts and intentions, I sincerely doubt there are many competitors who are even capable of matching Josh’s performance in this profession. His talents are formidable. I fully expect that he will continue to be extremely successful in his business. I look forward to offering referrals indefinitely.” Dr. Michael Warden, University of Utah School of Medicine, Resident Physician
“I had a great experience with Josh. He was friendly, approachable and extremely helpful. I was especially impressed with how quickly he replied to my questions. I was buying a home in new construction and I had a lot of questions about the differences in loan specifics which he was quick to answer. I was working with him while I was in a different time zone on the east coast but he seemed to always be available at any time of the day. I appreciated that he was able to get me a specific loan for my situation which for me was a physician loan. My realtor was also very impressed with his work. I would recommend this group for anyone.” Dr. Scott Parker, Resident Physician, University of Utah School of Medicine
“Sarah and I were getting fed up with the run-around from other lenders. We wanted to buy a house after I graduated medical school, and we didn’t think that getting a loan would be difficult since I would be making an income as a resident, then become a physician in three years. I had a residency contract stating how much I would earn, but that wasn’t enough for the lenders we went to.” We tried two conventional banks, and after spending several weeks frantically filling out paperwork and scanning hundreds of pages, we were rejected based on either my student loan debt or the fact I would not have a paycheck until July 14th. We wanted to move into our house before residency started! After our second loan application was turned down, I felt hopeless. I called another bank asking if someone specialized in physician loans, and the lady said she had done one in her ten years. We wanted a house to raise our family in and we had the finances for it, we were just being overlooked by underwriters who didn’t consider my earning potential in the future. After looking on White Coat for advice on home loans, I saw that Dr. Dahle recommended this company, as he had several great experiences with them. I called Drake, where I told him I was a graduating medical student and how I could not get a loan. He told me, 'Steven, you’re in No-Man’s-Land. You don’t have a paycheck, so nobody wants to lend to you, and if you did find somebody who would, they look at your student loan debt and turn you away.' Drake was able to explain how his company had underwriters who didn’t see physicians as everyday people. His company specializes in physician loans, and his underwriters have completed hundreds of loans for doctors (not one, like the other bank). At first I was nervous that I had shown my cards, telling him that I went to two lenders and they both rejected me, and I was expecting an outrageous rate and costs on the loan, but I was completely wrong. He gave us a better rate than the other banks were offering, and the costs were comparable. We had to fill out paperwork again, but this time, we trusted that Drake and his associates were going to get the job done. If we had any questions, Drake was quick to personally answer the phone. When choosing a lender, I didn’t understand how important availability would be, but when you have a burning question late at night and you have to work a 12 hour shift the next day, you don’t want to put it on the back-burner. Drake and his staff have been terrific, and I highly recommend them to other physicians, especially graduating medical students, before they get the run-around with lenders.” Dr. Steven E. P., University of Washington Boise Internal Medicine
“Thank you for giving me an opportunity to tell you and others how much I appreciated all the work that Josh and the team put in to assisting me. I have to say that Josh was absolutely wonderful to work with. This has been something that I have been wanting to do for some time, but found that I needed to do a few things before I could get my credit score where it needed to be. Josh walked me through the process, gave me suggestions and always made sure to follow up with me from time to time to see how I was coming along. It was much appreciated. Being first time home buyer can be very stressful – your team made the process very easy and worry free.” Dr. Camille Williams
“I promise to refer any of my friends who are looking for a home to you guys! You guys were seriously great and super quick so thank-you so so much!!! :) ” Dr. Daniel and Amber Patty
“I just wanted to thank you again for all the hard work and helping us secure funding for our new house! We are super excited and you and your team made the entire process painless. We plan to use you in the future and will definitely send all of our referrals in your direction. We appreciate you working with our situation and still securing us such a great loan. I don’t know if you advertise with the U of U, but each year there are hundreds of MDs that start their residency at the U of U and getting the Medical education department to include your site and information in their welcome to Utah packets would be a great opportunity for future business.” Dr. RJ Willmore
“We wish we would have found this team sooner. As recent graduates of a graduate program we had accumulated A LOT of student loan debt. We found the house we wanted to buy and thought things were going to work out fine. They didn’t however, due to issues with the students loans. We tried 5 other bank/lenders before we finally found Josh and his team. They knew exactly how to get a home loan done for our situation. They were fantastic and kept us up to date throughout the whole process. One of the team members even sat and listened while I had a break down after hitting what I thought was going to be another ‘no’ ending. She reassured me that they were there to help us get this done.” “I am so happy that after 9 months of waiting and trying again and again with various companies I can finally the house is ours! This team was the one that finally got us to be able to close, and just after a few short weeks. We plan on staying in this home for a long time, but if I ever needed a loan again I wouldn’t hesitate to call them. The Josh Mettle team is a well oiled machine that gets things done!” Dr. David and Nicole Felt
“We had a great experience with Josh Mettle and his team. Josh was extremely thorough as he prepared us for our loan. He made sure we did all we needed to do with our finances in order to get our loan approved. His advice was extremely helpful throughout the entire process and due to his expertise, we were able to get our loan and close on our house when needed. We also felt very valued as he kept in close contact with us and made sure we were well informed through the process. He made himself available and was patient as we had questions throughout the process. We will definitely refer Josh and his team to our friends and family who will need assistance with home loans in the future. We will also make sure that we use Josh for any future purchases ourselves. Very happy with the process and very happy to be in our home!” Dr. Casey and Haley Bachison
“My experience with Josh and his team was great. During this time when lending can be difficult, Josh and his team went the extra mile for us in order to not only get our loan approved and funded but to get us a great rate in the process. The loan process was frustrating at times but Josh was quick to address our concerns and put us at ease. Thank you, Josh and team for your efforts and we love our new home. Of course I will pass your name along for reference to any friends and family that may be in need of a home loan.” Dr. Stu Segura, DDS
“Josh did a phenomenal job interacting with me as his client. He was ALWAYS right on-point and knowledgeable. But more importantly, he possesses the skill sets to explain the landscape in a way that makes sense to someone who doesn’t deal in these transactions every day. Further, he always answers his phone and gets back immediately on requests. My transaction seemed more complex than most, and it had some unexpected surprises, including a significant error from an underwriter which made the transaction even more stressful. Through the entire process, Josh was the voice of reason and the knowledgeable subject matter expert that I needed in my corner to successfully navigate the unexpected surprises.” Justin Calapp, Ph.D.
“My family and I moved to Utah about 3 years ago from Virginia. We knew we would have to replace certain contacts and professionals in our lives, namely doctors, dentists, bankers, etc. What we didn’t consider was a lender we could trust who had our best interest as a priority. Back in Virginia we had always used a friend of the family who we had known for years. Here in Utah we were faced with filtering through all the potential companies to find someone we felt comfortable with. Luckily, our real estate agent gave us a recommendation and after a brief conversation I knew we had found someone here in Utah we could trust. We have used Josh and his team twice now (original loan on our home and a re-finance) and both experiences were great. I could use a bunch of adjectives to describe what they are like, but the most important thing to me was the responsiveness when we have questions, problems, or need answers on something. Everything I’ve ever asked for has been done. If I ever call or send an email, I get a response immediately. These are the things I appreciate most about Josh and his team. “My personal experience on getting a loan is a lot like raising kids. As soon as you say you are involved, everyone has advice for you on what to do. I must have had 25-30 friends and colleagues tell me where to go to get the best rate. Normally I’m the type of person to shop around for a good deal. Not in this case though – Josh is our lender and will continue to be as long as we are in Utah.” Dr. John Yates
“They were great. Very responsive, efficient, and friendly.” Dr. Tyler Yeates, PC Anesthesiologist
“My wife and I had a GREAT experience with Drake and his team. Drake is very professional and genuine; and did everything he could to help us get a mortgage when no one else would. His team worked quickly and diligently, allowing us to close on our first home just 33 days after our offer was accepted. Even our Real Estate agent mentioned that she will keep Drake in her contacts for future clients. We would definitely work with Drake again in the future, and will not hesitate to recommend Drake and his team to our friends!” Dr. Khoa Tran & Dr. Bailey Pope, Oregon Health and Science University
“Thanks Josh! We really appreciate all of your help and keeping on top of things for us. We have been extremely happy with our service so far! We are happy to recommend you to all of our physician friends looking to purchase!” Dr. Joshua Fuller and Michelle Fuller, Pediatric Care Inc.
“THANKS again! Like I said, we LOVE our new home! I’ve been recommending you to all of my resident friends looking to buy homes!” Dr. Lana McGill
"I wanted to thank you and your team for all of your assistance and support in securing financing for our recent home purchase. I especially appreciated your communication and thoughtfulness throughout the process. Rest assured that I will be referring friends and colleagues your way in the year ahead. Best wishes for a healthy and fruitful 2014! I look forward to working with you again soon." Dr. David Hans, CRC Health Group
“We found Arizona Physician Home Loans (our sister site) online and I called them up to ask them if it would be a problem because of my high debt to income ratio and they said, ‘No problem. We deal with this all the time.’ And I was shocked at how easy the experience was. With Arizona Physician Home Loans it was simple. I sent it once and it was done and they told us when we were closing and took care of everything. It was really pretty easy. I would go to them again. In fact in the next five years we’ll probably upgrade to a different house and they’re the first company I’ll call. You really should go through Arizona Physician Home Loans. It was a painless process. You owe it to yourself to at least give them a call.” Dr . Jay and Jennifer Larson
“We have been very impressed with Josh and his team. In fact, I first learned of Josh through one of my physician clients. The feedback was so outstanding that I decided to contact Josh directly and meet. Since that time, we have been extremely impressed with Josh’s knowledge, customer service and strong desire to continually do what is right for his clients. As a result, we have been referring our clients to Josh and the feedback continues to be exceptional!” Jeff Zesiger, Vice President – Utah Medical Association Financial Services
Dr. Caitlin Parker physician mortgage "Josh and his team were incredibly professional and handled all of our paperwork in a timely fashion. The whole team was very detail oriented throughout the entirety of our pre-approval process and was a pleasure to work with on all accounts. I will absolutely be recommending NEO Home Loans to my peers and colleagues who are looking to buy a home." Dr. Caitlin Parker and Scott Parker, Taylorsville, Utah
Ellsworth Testimonial"Matt Smith and the team at NEO Home Loans made our home buying experience great. They communicated with us every step of the way, made adjustments quickly as needed and were knowledgeable and professional throughout the process. We'd definitely choose to use them as our lender again and would recommend them to anyone!" Dr. German Ellsworth, M.D. and Melissa Ellsworth, Intermountain Healthcare, Layton, Utah
"We were referred to NEO Home Loans by our financial adviser. Working with Josh Mettle made the mortgage process feel easier for us since this was our first home. He was in constant communication with us and answered all of our rookie questions clearly and with respect. Our process went smoothly. We appreciated the informational videos and with each step in the mortgage process, we were advised on how far we had to go and what to expect next. Deciding on what house to buy was far more difficult than the process of buying it. Thank you Josh!" Dr. Brett Martindale and Britney Martindale, Ogden Clinic, Ogden, Utah
"We couldn't be happier with our experience with NEO Home Loans. Ross Zimmerman was great to work with and kept us informed during every step of the process. Our realtor and title company even commented on how smoothly the loan process went. Thanks again, we love our new home." Dr. Jacob Dendinger, Madison, Wisconsin
Monell familyDrake was wonderful to work with! He answered all our questions and sent along advice and helpful knowledge as we were working through the home loan process. We would absolutely work with him again! We have told our friends and family that they should go straight to NEO Home Loans and ask for Drake to help them with their home loans. Justin Monell, Physician Assistant, Sandy, Utah
Josh Mettle and the team at NEO Home Loans were excellent! Very quick to respond and worked hard to make sure it was a success! Dr. Brad Sanville, UC Davis Medical Center, Dr. Lucy Shi, UC Davis Medical Center, Sacramento, California
Wendy and I bought our first home using Josh and NEO Home Loans. Early in our home search, we didn’t know if we would qualify for the physician loan. We reached out to several lenders, but it was Josh that took the time to walk us through all of our options and prepare us for homeownership. We were very impressed by the organization and depth of information prepared for us via excel documents and online videos/documents. Our home buying process was smooth and any last minute issues were addressed promptly and professionally by Josh and his team. We are happy we chose NEO Home Loans to help us and thrilled to be in our new home! Dr. Bill S., Surgeon, Scottsdale, Arizona
Thank you for helping us purchase our very first home! We didn't know what to expect and thought it would be so much harder. You made it simple and we didn't have to worry about a thing. We felt complete trust in your hands. Thank you! Dr. David C, St. Louis, Missouri
"Drake, Jon and the whole crew at NEO Home Loans were incredible throughout the entire mortgage process. They bent over backwards to make this loan work for me and I'm very appreciative of all their efforts! I've never dealt with a more caring and dedicated group of folks while going through a home purchase and they will be my first call with future purchases!" Dr. Chris Williams, DDS, Cherokee Village, Arkansas
Hymel review, CRNA mortgage, CRNA home loan "I highly recommend NEO Home Loans! They were quick to answer any questions and really made the process painless. Thank you!" Catherine Hymel, CRNA, Springfield, Illinois
"Ryan Davis and NEO Home Loans were amazing!! They got us pre-approved very quickly and we were able to make an offer on our house the day we saw it. Ryan worked very hard to get our mortgage through on time and even had to go out of his way to make sure we were treated correctly by the sellers. He made a messy sale go so smoothly. We even got stuck in a hotel for a night because of the seller and he helped us get that money back! NEO Home Loans is a great company and Ryan is a great mortgage broker! Thank you so much!!" Dr. Alex Snodgress, Resident Physician, Merit Health Wesley, Hattiesburg, Mississippi
"Fantastic process! I was hesitant to buy a home because I've heard the horror stories of the lending process, but Ryan and his team made the whole process effortless! I would highly recommend them for anyone looking to purchase a home!" Dr. Siddharth Pandya, Resident Physician, Dignity Health, Mesa, Arizona
"We had an amazing experience working with you guys when getting our first home. We appreciate your hard work and enthusiasm in everything you did with us during the process. Thanks again." Dr. Armando Lemus-Hernandez, Hospitalist, Loma Linda, California
"Jordan was great! He advocated for me through some bumps in closing." Dr. Jessa Derania, Resident Physician, Tulane University, New Orleans, Louisiana
"It was such a smooth experience with NEO Home Loans. They were always available and ready to help. Most importantly whenever I had a question I received a prompt response. Thank you." Dr. Karam Obeid, Infectious Disease Specialist Assistant Professor, University of Minnesota, Minneapolis, Minnesota
"I worked with Josh Mettle at NEO Home Loans and was very pleased with the entire mortgage process. I have many experiences with mortgage applications, but I found myself in the unique position of moving across the country and in need of someone who could offer home financing in my new location of Alaska. Josh and his team were professional and thorough from the start. Most importantly to me, they were very straightforward and there were no surprises. They worked closely with my realtor to assure both sides of the transaction that we were well positioned for an on-time closing.The entire process was seamless and took less time than any mortgage application I had previously experienced. I would not hesitate to recommend Josh and his team and to work with them again. Thanks for helping us with our new home. The view across Cook Inlet to Mt. Redoubt is amazing!" Dr. Darren Mullins, Central Peninsula Hospital, Soldotna, Alaska
"We needed a unique type of loan due to having loans from medical school. NEO Home Loans was able to accommodate us and give us a comparable loan. They were always available to answer our questions and even came to our home to sign to final papers." Dr. Laura Giove, McKay Dee Hospital, Bountiful, Utah
"If there was an easy button for obtaining a mortgage this would be it! Matt Smith and his team at NEO Home Loans were very friendly and easy to work with. As first time home buyers they were always willing and ready to answer any questions and really helped walk us through the process. If it hadn't been for NEO Home Loans and their willingness to work with us we probably wouldn't have been able to buy a home for several years. We will definitely be referring colleagues and family members!" Clairissa and Dr. Jared Rasmussen, North Cascade Eye Physicians, Mount Vernon, Washington
"My husband and I were working with a different loan officer and company when we were looking to buy our first home. It was becoming an extremely frustrating and overwhelming process so we looked up and called Mike Jones at NEO Home Loans to get a second opinion. He was able to answer all our questions and concerns and put us at ease. We immediately switched our services to him. He and the staff at NEO Home Loans guided us through the entire loan process with detail and quickly answered any questions that we had and it was stress free. Thank you!!" Dr. John Mark Tohlen, Resident Physician and Sarah Tohlen, Amarillo, Texas
"We had an excellent experience working with Ryan and the entire team at NEO Home Loans. They were all very knowledgeable, and had answers to all our questions. They were also very quick to answer emails and return our phone calls. The experience buying a house was easy with NEO Home Loans. They helped us get through every step without any major problems. I would definitely recommend NEO Home Loans to anyone looking to buy a house." Dr. Jeffrey Brichta, Psychiatrist, Valley Hospital, Tempe, Arizona
Finch Testimonial "Working with Matt Smith and NEO Home Loans was an excellent experience start to finish. Matt was pleasant, professional, and provided us an excellent loan presentation. He answered all of my questions and alleviated all of my concerns while navigating a tricky out-of-state purchase with a tight timeline. He was excellent at communicating with us every step of the way. The closing department did an excellent job in expediting things for us so that we could move on schedule. We would recommend NEO Home Loans, and especially Matt Smith, to anyone who is buying a home!" Dr. Danielle Finch, OB/GYN Resident, Baystate Medical Center and Michael Finch and Eleanor Finch, Longmeadow Massachusetts
Kilgore Testimonial "All of the staff at NEO Home Loans, in particular Drake Bloebaum, were extremely helpful in the home-buying process. I was a recent college graduate and this was my first property purchase. Drake and his team were very quick and efficient in answering any and all questions I had in regards to the timeline and process of purchasing the home. I am very confident I made the right decision in choosing NEO Home Loans. I will be referring future colleagues who move this direction to this company." Dr. Klinton Kilgore, Medical Resident, Spokane, Washington
"Both Jeff and I are new resident physicians and first home buyers, and could not have had a better experience with Matt Smith and NEO Home Loans. The loan went through so quickly and flawlessly and we were kept informed of the progress all the way through. We both would highly recommend NEO Home Loans and Matt specifically, for any new physician looking to buy a home!" Dr. Jeffrey Penning, Resident Physician, Family Medicine Residency of Idaho, Boise, Idaho and Dr. Kelly Stanley, Resident Physician, Family Medicine Residency of Idaho, Boise, Idaho
Yin doctor mortgage"Thank you David Nelson for making the difficult process of purchasing a first home from a different state an enjoyable process. David has definitely gone above and beyond in relieving the stress and fear of applying for a mortgage for the first time. He is very thorough, patient, and experienced. Our questions were usually answered within a matter of minutes via email or text. It only took us 3 weeks from closing on our home to the loan being approved. I highly recommend his service and the service of the Mettle group to anyone thinking of purchasing a home in Utah or the surrounding areas!" Michael Yin. M.D., University of Utah, Division of Cardiovascular Medicine
"As an incoming resident, I called dozens of resident loan providers and got various high rates and difficulties in getting approved. However, when I contacted Drake and his team at NEO Home Loans they were the best price and the most friendly to talk with. Drake went above and beyond to let the seller's real estate agent know that our loan was solid. In this tough housing market currently this made our home offer much more attractive and serious which made a huge difference. Drake even helped push the loan to close sooner so that we could move in sooner with a baby on the way. Couldn't say enough good things about everyone at NEO Home Loans. Looking forward to sending them my friends. Thanks!" Dr. Andrew Frierson, Resident Physician, Redlands, CA
"Thank you for all your help! We trusted NEO Home Loans to be the experts in our home buying process and they came through! Everything went smoothly and the purchase was a success, despite plenty of room for error as we are moving across the country. We also appreciated the recommendations they had for a great realtor." Dr. Suzanne Kissel, Urologic Resident, University of Utah School of Medicine
Copeland family happy homeowners"My husband and I recently bought a home and had the pleasure of working with Drake Bloebaum and his staff. Drake was wonderfully knowledgeable about physician home loans and educated us throughout the process to ensure we understood the variety of options and received the best financing available. In a competitive housing market, he quickly provided the documentation we needed to place timely offers. We ultimately bought a home that is just right for us and are thankful that the mortgage process was one of the easiest steps in our home buying experience. I would highly recommend Drake to any physician considering a home loan." Dr. Caley and Bob Copeland, Physician, Mercy Regional
"We were first time home buyers and as such, pretty overwhelmed with the process. David Nelson and his team was refreshingly responsive to any question we had, often getting back to us within minutes. This was especially helpful as we were house hunting out of state and making offers in a very fast housing market when every moment mattered. David did a great job explaining every aspect of purchasing a new home and provided us with educational materials to become more acquainted with the process. Heather was also very helpful and great at organizing and finalizing our portfolio. We love our new house and are very pleased with our competitive interest rate. Many of our friends are shocked when we tell them the great rate we got with our physician home loan. We have really been very pleased with the team. My only constructive criticism would be to let your clients know who will be taking over the mortgage. I knew that our loan would be "sold" to another mortgage company, but I got a call out of the blue from Penny Mac. A heads up would have made me feel a little more comfortable when hearing from the new servicer. But like I said, we have been very, very pleased with our experience and anybody that asks we recommend you. I actually gave David's number to one of my fellow interns." Kristian Balle, M.D. and Malori Balle, Resident Physician, Good Samaritan Hospital
"Mike Jones with The Physician Group was a fantastic loan officer. He understood our debt to income ratio we already had coming out of Residency and more than helped us stay within our goals of the type of home loan we could handle. He made buying our first home a great experience even with a few hiccups we experienced on the way. We trusted him implicitly and really feel like he is a man of integrity- which is a value money can't buy." Lyndon Tyler, M.D. and Melissa Tyler, Ophthalmologist
"I worked on my mortgage loan with Dan Hulverson using the doctor loan program. Dan was incredible to work with. He guided me step by step from the beginning of the loan until the end. Anytime I needed something or had a question, he either took my call or if he was busy he called me right back. I felt like he was family. I could tell he cared about me and my family and wanted what was best for us, not just what was best for him. We hit a snag in the middle of the process and Dan did everything possible including putting me in touch with financial advisers specifically for my situation as a new medical professional. We were able to work through the snag and from there everything moved smoothly. I'd strongly recommend Dan Hulverson and The Physician Group to any medical professionals looking for a home loan. Thanks again for everything!" Michael Peterson, M.D., Radiologist, Utah Radiology Associates
"I have nothing but good things to say about David and his team. They were good communicators throughout the process, and provided me with answers to my many questions as a first time home buyer. As a medical student, it was hard for me to take time off of work for phone calls etc. during the day, which I was concerned about. David and his team were very flexible about this, and the majority of the process was done via email, and online document signing. Very efficient. Very professional. I also very much liked the financial info David sent me, very informative and easy to read for someone who doesn't have a finance background. Thank you for everything." Dr. Daniel Johnson and Family, University of Texas Health Science, Resident Physician
Kapalis friends and happy clients"I would highly recommend the Physician Group. They understood the unique needs of our family so well. My husband is very busy in his practice, so he told Joel (our loan representative) "Just talk to my wife". And from that point on Joel and I were able to take care of everything in the loan process without bothering my husband (besides a few signatures). They were even able to grant us a loan in the midst of a job change. Joel helped me understand every step of the process. When the sellers got nervous that we were using an out of state lender, Joel worked with our agent and the seller’s agent to make sure they were comfortable with the process. He was truly committed to getting the loan process to work for us. We received emails on a Sunday on a holiday weekend. There were checks and balances all through the process to make sure we stayed on track for our closing. They were so efficient all the necessary paperwork for closing was in 1 week early. Not only was Joel easy to work with but so was Ashley. When working with her I was so at ease, and I really felt like I was emailing a friend. In the end that is what I would tell my friends... When dealing with you, I didn't deal with agents, I dealt with friends. People that wanted the best for me and understood me. People that I trusted completely, and people who at the end of the process weren't our agents, but our friends." Dr. Matthew Kapalis and Molly Kapalis, Doctor of Osteopathy, CHi Health Clinic
Henderson"We are so grateful you helped us make our home owning dreams a reality! My husband is a newly graduated veterinarian and I am an occupational therapist. We were fed up and frustrated after many months trying to work with other companies to find out we could not be approved due to a limited employment record and high student student loan debt. However, your team understood our situation and was willing to work with us even though our situation didn't fit the norms. We were ecstatic when we closed on our house, never thinking this day would actually come! We still get little butterflies as we pull into our new home at the end of the day and can't wait for the future memories to come in what will be our family home thanks to you!" Rebecca and Ross Henderson, BVM&S, MRCVS, Veterinarian, Fox Hollow Animal Hospital
Happy new homeowner"David & Ashley - Thanks for all your help! We appreciate your hard work in making this loan go through." Danny & Hannah Choi
Physician mortgage "Our experience was not entirely seamless in getting into our house. There were a few bumps along the way but when you're moving across two states, finishing residency and studying for national board certification I guess that's to be expected. Despite the minor setbacks though we were able to close on our perfect house on our specific closing date. The staff was helpful and got the job done when things needed to happen." Jarin Leavitt, M.D., Tanner Clinic, Layton UT
Another happy first time buyer "Drake Bloebaum and team were very pleasant to work with! The process was quite simple; from the online application, to pre-qualification, everything was a snap! The closing process was a breeze and Drake answered every one of my annoying questions through my first time home buying experience! Who knew things could be this easy? See attached for a fun picture taken by the previous home owners! I will refer anyone I can, I know mortgage/loan companies are a very competitive industry!" Christopher Cook, Syracuse, Utah
Neilsen1 "After 8 years of renting, we were thrilled to finally be buying a home. We weren't sure how this would work with our medical school loan debt but Utah Physician Home Loans made it happen. It was so nice to be able to buy our home prior to moving and starting residency. We are so grateful to be in our own place. We are loving it! Thank you so much for your help along the way. Garrett and staff were always so prompt to get back to us and made the process as speedy and painless as possible. Thank you so much!" Tiffany Neilsen and Jason Neilsen, M.D, Utah Valley Regional Medical Center
Happy physician mortgage client"They were wonderful to work with! They were extremely knowledgeable and always cheerfully helpful. They were always available to answer any questions and went above and beyond to help us in any way possible. We would recommend them to any potential buyer. They truly worked for us, and we had a great experience!" Amber Toole and Douglas A. Toole, M.D., Foot and Ankle Specialists of Utah
JSC1"Our experience with this team was nothing short of amazing. As first time home buyers we were completely new to the process. Anticipating stress and difficulties while buying in a very competitive market, we were thrilled with how streamline the whole experience was. Comparing stories with friends going through the same thing only reaffirmed our decision to go with Matt and his team. They were on top of everything, efficient and concise, and still incredibly personable. We are more than thrilled with our home and the experience we had in purchasing it. We would recommend Matt to absolutely anyone." Josh Christiansen, M.D. and Sydney Christiansen... and Fizgig and Calvin, Virginia Mason Medical Center, Seattle, WA
Skye"Of course I would love to share our experience. For me, this was very enlightening and positive. I was very pleased with the accuracy speed and attentiveness of your staff with my loan. I had not one bad experience and not one frustration. I was able to work, and live life through it all, without pulling my hair out. This was from what we were told almost a certainty with under writing. I will definitely recommend you in the future to anyone who asks. I would like to take this time to tell your staff thank you so much, Joel and Ashley were amazing and I appreciate everything that they did. There was one other lady that helped me when Ashley was out of town I can't remember her name unfortunately but she was also amazing. If I had questions they did their best to answer them as fast as they could. I felt like I was always in the loop. Skye Hansen
Happy physician assistant homeowner "Very awesome experience working with you. Excellent service. Will recommend you to others I know." Brandon Hermansen, Physician Assistant
Skow"As far as our experience, it comes down to one word, outstanding! This was the purchase of our first home and Christian walked us through the process from beginning to end. He was readily available by email and phone and was quick to answer any questions we had. He made what seemed to be a nerve-racking and stressful process, a simple and painless one which was far more than we could have expected. We are truly grateful." Glenn Skow MD, MPH, Chief of Staff, Medical Director, Emergency Department, Fayette County Hospital
"We worked with Drake for the third time when we recently purchased what we hope will be our forever home. We also worked with Drake when we bought our last home, which was our first, and again when we refinanced. Drake is always great to work with. He works very hard for his clients, always going above and beyond. We had a demanding timeline trying to close right before Christmas, and Drake did everything in his power to make sure we closed on time. You will not be disappointed. We recommend him to all of our friends who are purchasing homes." Brittany Mallin and Michael Mallin, M.D., Emergency Physician, University of Utah
"I have closed three of my own loans using Evelyn Ellett and each time I am reminded of why she is the best. Her experience and attention to detail make each transaction as simple as possible. She is is always available and answers all emails, texts, or phone calls quickly. I practice real estate as a hobby and close a couple transactions per year. When the loans on these transactions are closed by other loan officers they are never as smooth and simple as compared to those with Evelyn. I will continue to use her service personally and recommend her to any clients I represent in the future." Jay and Anna McMillan, Draper, UT
"Drake Bloebaum and his mortgage team provided extraordinary service to my family as we searched for a home this past winter. We ran into unexpected, serious issues with the home we had under contract and were forced to find a different home very quickly. Drake and his team did not express anything but loyalty, care, and motivation to help us throughout that stressful time. They were professional and accommodating when we had to expedite finances on the second home we had under contract (which is the house we now call home). I am so grateful we had such an amazing team! They never complained that they had twice as much work with us than they would have had with a “normal” home purchase. I will always speak highly of Drake and his team." Tarah Stowell, CSW, Intermountain Health Center
"My husband and I appreciated being referred to the group. They exceeded our expectations. Josh has the best presentations that he emails to you so that you can have a video demonstration and explanation of the process and the actual personal financial savings. Since my husband was gone during this process I had a few more questions and Josh was always able to explain in terms that I understood and was quick to respond. The Mettle support staff would keep me posted every step of the way with emails and phone calls and provided me with assistance in returning documents or getting them to where they needed to be. When we need these services again we will definitely come back!" Douglas Powell, M.D. and Stephanie Powell, Associate Professor, Dermatology, University of Utah
"Matt Smith and his team were complete professionals. They maintained constant communication with us throughout the entire process. When certain aspects of closing did not go as planned, Matt kept us apprised of the situation. He was always available throughout the nerve-wracking ordeal of buying a new home in a new city. I always had the impression he was on our side and he did everything in his power to ensure we were treated fairly when things occurred outside of his or our control. I would recommend Matt Smith to anyone and will likely utilize him and his services in the future. Thank you for working with us." Dr. Clay Elrod, IR Physician, Kaiser Permamente
"I have confirmed from my account today that the refinancing process is over and both of my BBVA compass Bank mortgages are paid off. I want to sincerely thank you for all the things that you have done for me and for your time and energy. This was a long process for the reasons that are obvious to you; however we arrived to finish line. It was certainly a great pleasure with you and I appreciate your professionalism and your knowledge. Hopefully in the process I did not stress you too much, as time to time issues came up. Some of it is my meticulous nature, so hopefully no hard feelings! I will definitely refer anybody to you that I know who needs a mortgage/refinance. You know where I am in California, if you happen to visit please let me know." Dr. Serhat Aytug, Physician, St. Jude Medical Center
"My husband was a recent medical school graduate beginning a residency in a new city, and we were facing a pretty difficult situation. We needed to find and move into a house before the lease was up on our apartment. It was a complicated loan process: to begin the application in one state and buy a home in a another, all before officially beginning the new job. But start to finish, they really helped put a lot of my fears to rest. There were dozens of calls, and endless snags and loopholes to navigate, but Evelyn worked tirelessly to figure it all out. Any time I had a question or concern she happily addressed it. By the end of the loan process, I felt she had really become an ally and advocate for us. She doesn't just make you think she cares; you know she cares! Thank you a thousand times over, Evelyn for getting us to our new home!" Kellie Redman and Dr. Joseph Redman, Resident Physician, Baylor College of Medicine
"Working with Josh, Matt and the Mettle Team has been an amazing experience. My family and I had almost given up on purchasing a home after 2 failed attempts due to us opening up a brand new practice the past 2 years. Not only did they make our new home purchase a reality, their service has been nothing but extraordinary. I would recommend them to any doctors, especially those who've recently opened a practice. They really do know their stuff when it comes to physicians and home loans." Dr. Richard Leung, D.D.S., Temple Dental Trails
"Drake was efficient and very responsive at all times of the day. He explained the process clearly and defined timelines and expectations patiently and effectively. I dealt with Drake exclusively during the pre-approval process, and this went very smoothly. Once it came to finishing the closing financing however, I did not experience the same level of service from other members of the team. The "Loan Tracker" was a little hard to follow, because the progress went forward and then back once or twice, rather than just progressing forward. Michelle was easy to contact by phone, though, and this helped the process. The biggest problem I had occurred at closing when I received the final closing costs from Drake and was told to be sure to have a specified amount available at closing. I obtained a cashier's check for that amount, but then at closing, the evening before a holiday weekend, I was given a different amount, which was $189.01 more than the number I was given. I ended up having to write a personal check for this amount and driving it over to the Title Agent's home that night. This was frustrating. I know I was a more complex case than many, and I appreciated working with Drake with his super-responsiveness. I have already referred one potential loan seeker to him because I was happy with the end result, but the final stages of the process could definitely be improved. Thanks for the opportunity to comment." Dr. Dot Verbrugge, Medical Director, Intermountain Health Care
"Our experience was fantastic! We always received prompt responses to our questions and even though we had some difficulty with prompt submission of required documents and deadlines looming, they went out of their way to make sure we got everything worked out on time. We are enjoying our new home and will ever be grateful for the wonderful service we received from the team. Thank You!!" Dr. Kyle Adams, Resident Physician, Regional Health, South Dakota
"Matt was outstanding to work with! He was very prompt in responding to calls and emails. He always followed through to make sure everything was done and kept us appraised of changes. This was our first time buying a home and Matt made the process as easy to negotiate as possible." Sarah and Dr. James McDonald, VA Medical Center, Sheridan, Wyoming
"If anyone out there paid as much attention to a loan as Josh Mettle and his group, more people would be able to get the funding needed to close on a home. I appreciate the detail and time that was spent in getting us closed. Thank you so much." Dr. Craig Taylor, DDS, and Allison Taylor
"Drake and his team did a great job of pulling all the pieces together for our loan. We had quite a few bumps along the way and they were handled very professionally to make the experience low stress overall. The team was very available both by either phone or email and response time was almost immediate, even for minor questions. Would definitely use Drake and his team again in the future!" Dr. Lauren Wood, Medical Resident, Family Medicine, University of Utah Hospital
"Drake was great! Very helpful and easy to reach- he moved my application forward quickly and took appropriate interest in my family's situation. He and Ryan specifically were wonderful to work with. Thanks to all team members!" Dr. Lauren Prest, University of Utah
"I had a fantastic experience working with Drake. He was incredibly prompt, attentive and thorough in answering my questions and providing great service. I found it a smooth, easy process with transparent communications. I would highly recommend Drake and in fact, I did send him a referral that he is helping this week." Trudy Oliver, Ph.D., Assistant Professor, Huntsman Cancer
"We just wanted to send a note of THANKS for helping us prepare and secure our loan for our home. Thank you for your professionalism and service. Everything went well with closing. Thank you for having everything in order. We appreciate your efforts." Sarah and Jeff Hirschi, M.D., Utah Emergency Physicians
"My experience with Josh was very simple. Everything moved along as expected. My loan was handled quickly, professionally, and I was kept informed at each step along the way." Dr. C. Mark Alder, M.D., Radiologist, Ogden Clinic
"I can't talk highly enough of Drake & his entire team. They made the process very easy to understand. They were patient with my many questions, and happy to help in any they could." Zachary Hildebrand and Dr. Pamela Hildebrand, Wasatch Pediatrics
“Josh and his team were easy to work with and were very responsive to our phone calls and emails as well as staying on top of things to get our closing done on time. I was very impressed with their professionalism and dedication. I would not hesitate to use Josh again or refer others to him. Great job.” Dr. James Ballard, Physician, Intermountain Health Care
“Working with Drake and his team was a great experience. They made a process designed to be complicated and intimidating, approachable. They are familiar with the intricacies of the home buying process that can be difficult for new physicians. Overall it was a very positive experience and I would have no reservations recommending their services to my friends and family.” Dr. Jared and Karissa Kam, Physician, Bingham Memorial Hospital
“In the process of buying our home, I talked to at least 5 other loan specialists in addition to the Physician Group to make sure I was getting the best deal. Some of those admitted after one phone call that they did not know how to process a loan for a physician who has not yet started residency. Of those that claimed to be able to help me, the Physician Group was by far the most responsive and helpful and easily won our business both with their customer service and offering a better rate than the competitors.” “We then found ourselves in a position where it was very important for us to get into our new home sooner than anticipated. The Physician Group responded immediately to our situation and we were able to close a full 14 days ahead of our contract closing deadline and right on the day that Josh had predicted they would be able to get it done.” Dr. Kendrick Johnson, D.O., Phoenix Baptist Hospital, Resident Physician
“I am an incoming resident from the east coast and my financial situation only allowed about a week in Salt Lake City house-hunting to get everything accomplished. We had originally worked with another lender in the area and thought everything was settled. After a week of stressful house-hunting my fiancé and I were ready to make an offer on a house only to find out that there were problems with the lender being able to give me a loan without several months of income history from the hospital.” “Faced with the prospect of losing the house we found, getting a short-term lease, and having to move twice, I called Josh Mettle. With only one day notice, they were able to pre-approve us for our loan and we were able to go ahead and submit an offer on the house we found before returning home.” “Josh and his staff were responsive to my questions, easy to get in touch with, and kept me up-to-date of the process every step of the way. They were well-versed in the financial issues facing new residents, including student loan debt and unique loan options for new physicians. I could not be more happy or thankful that they helped us get into our new home. I would, without hesitation, recommend The Physician Group to anyone in need of a home loan, especially to new resident physicians!” Dr. Christopher Williams, University of Utah School of Medicine, General Surgery Resident
“I just wanted to drop you a line and thank you for helping me with my home loan. The whole process went surprisingly smoothly and I was able to get a home loan at a great rate and we were able to meet our original closing date. I will definitely be recommending you to fellow residents in the future! I really appreciate it!” Dr. Heather Hoops, Oregon Health and Science University, General Surgery Resident
“We were very pleased to work with Josh and his team throughout our loan process. Josh clearly explained each step along the way and kept us informed regarding our progress. I was especially impressed with how Josh and his team worked in a goal oriented manner and were able to meet deadlines on time. I will highly recommend Josh in the future! Thank you!” Dr. Paul Dommer, DO and Mrs. Briana Dommer
“Once again we have enjoyed working with Josh and the team. We are very grateful for their help, especially with our unique situation this time! They know what they are doing and do it well! Also, we always refer Josh to people we know, we will continue to do so!” Dr. John Sorensen, MD and Mrs. Marilee Sorensen
“I had a great experience with Josh and the rest of the team. I appreciated the personal attention I was given, the quick replies to questions, and the friendly and professional attitudes of everyone I came into contact with. The last few days had some bumps, but I appreciated the speed and professionalism with which those were handled. Thank you to everyone for helping us get our new house!” Dr. Benjamin White, University of Utah School of Medicine, Resident Physician
“Wanted to thank you again for all your help. In a process that was mostly a headache, your end of things were not, and for that we are very grateful.” Dr. Robert Mendenhall, University of Nevada School of Medicine, Resident Physician
“Josh was great, Matt was great. I will definitely recommend you guys.” Dr. Justin Hohl, MD
“Thank you. Will complete the wire tomorrow. Your team has been absolutely fantastic!” Dr. Erik Pearson, Research Fellow
“I am an incoming resident from the east coast and my financial situation only allowed about a week in Salt Lake City house-hunting to get everything accomplished. We had originally worked with another lender in the area and thought everything was settled. After a week of stressful house-hunting my fiancé and I were ready to make an offer on a house only to find out that there were problems with the lender being able to give me a loan without several months of income history from the hospital. Faced with the prospect of losing the house we found, getting a short-term lease, and having to move twice, I called Josh Mettle. With only one day notice, they were able to pre-approve us for our loan and we were able to go ahead and submit an offer on the house we found before returning home. Josh and his staff were responsive to my questions, easy to get in touch with, and kept me up-to-date of the process every step of the way. They were well-versed in the financial issues facing new residents including student loan debt and unique loan options for new physicians. I could not be more happy or thankful that they helped us get into our new home. I would, without hesitation, recommend The Physician Group to anyone in need of a home loan, especially to new resident physicians!” Dr. Chris Williams, General Surgery Resident, University Of Utah
“I had a great experience with Josh and the rest of the team. I appreciated the personal attention I was given, the quick replies to questions, and the friendly and professional attitudes of everyone I came into contact with. The last few days had some bumps, but I appreciated the speed and professionalism with which those were handled. Thank you to everyone fore helping us get our new house!” Dr. Ben White
“I wanted to thank you for all the personal attention you gave Ingrid and I. We are so happy with our new house and the superior service you gave us! You can be sure we will highly recommend your group to our colleagues moving forward.” Dr. Dylan Hickey and Dr. Ingrid Grove
“Thank you for giving me an opportunity to tell you and others how much I appreciated all the work that Josh and the team put in to assisting me. I have to say that Josh was absolutely wonderful to work with. This has been something that I have been wanting to do for some time, but found that I needed to do a few things before I could get my credit score where it needed to be. Josh walked me through the process, gave me suggestions and always made sure to follow up with me from time to time to see how I was coming along. It was much appreciated. Being first time home buyer can be very stressful – your team made the process very easy and worry free.” Dr. Camille Williams
“My experience with Josh and his team was better than expected. It was by far the best finance process that I have encountered. The turnaround time was great. The team was very professional and knowledgeable. The most impressive part of this process was the fact that we were able to open and close this entire process from the comfort of home/work. I will surely spread his contact information for referrals. Thanks for a great experience.” Tineka Hardwrick, Director of HR – Ogden Clinic
“We had a very helpful and positive experience with Josh and his team. We found them very responsive and helped us see multiple options for our situation. We had been to another mortgage service provider prior and felt a bit like we were put on the assembly line, getting the “usual package.” Josh spent time thinking through our individual situation and we talked about what the advantages and disadvantages were, for both short and long-term, of a few different ways of approaching our refinance. This helped us have confidence in the direction we were going and we are very happy with our new loan. Have already given his name to one of our neighbors.” Dr. Mark D Scholl
“We had a great experience with Josh and the team. As a resident, it can be hard to be available during normal business hours, but Josh and the team were very agreeable to early morning phone calls and evening emails. I was always pleased with their speedy replies to my questions. My husband and I are very happy with our new home and will definitely refer friends in a similar situations to your expertise.” Dr.Shannon Curry, M.D., Resident Physician
“I had a great experience with Josh and his team. He understood the unique situation I was facing as a new doctor with student loans and was able to put it all together for me and my family. He was clear about what he needed from me and what he could do… and he did exactly what he said he would. He got me a loan on time. I will call him again in the future should I need a home loan.” Dr. Tyson Adams, Resident Physician, Mercy Medical Center Redding
“My experience with Drake and the team was excellent. They were all very quick to respond to my questions. Overall I would say the team’s performance was outstanding, and I have no problem referring you guys to others. Thank you for everything.” Dr. Robert Gifford, DPM, Riverside Medical Clinic, Inc.
“Josh and his team were phenomenal. They were quick to respond to all of my questions and promptly resolved any issues that arose. From the first time we spoke, Josh expressed complete confidence that he could make homeownership a reality for my family, and he and his team delivered exactly what they promised.” Dr. Brian Elledge, Resident Physician, University of Nevada School of Medicine
“Josh Mettle was referred to us by our realtor. She suggested him because her experience was that he could be trusted to make sure that every detail was addressed prior to closing. I was impressed with the follow through and meticulous investigation they his office did. He asked all the right questions. He initiated the calls and followed up. Sometimes it seemed like all the personal financial questions were over the top. Our financial situation is somewhat unusual because of our investment and employment history. However, when it came to closing day, everything was in order. I was glad that he made sure that each detail was addressed so that the lender was satisfied and the sale could go through.” Dr. Clark R. Bishop, Intermountain Health Care
"Drake, Donna, Dawn and Jordan were easy to work work with. Especially Drake and Donna answered any email minutes after sending them during business hours and sometimes at 3am. No question was left unanswered and everyone worked seamlessly with my real estate agent. Any issues were quickly cleared up and everyone was knowledgeable. Buying a house is not easy but I think it was as painless as it gets. As a busy physician, I needed a team like that. I certainly will use them whenever I am buying a house and plan to recommend them to anyone I know looking to buy a home." Dr. Ann Kellogg, DO, Hospitalist, Sky Lakes Medical Center
"For dealing with this 100% electronically, it was pretty much perfect and the title company and our agent agreed the communication was fantastic. I would have no issues using Drake and team on the next house." Dr. Macey DelCambre. MD and Barry DelCambre Jr., Oregon Health and Science University

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