I had the distinct pleasure of working with John Ware (a mortgage consultant) and his team over at MiLend on a recent refinance of my home mortgage, and for me, the experience was OUTSTANDING. The interesting part of this story surrounds the fact that I did NOT set out to refinance with these folks at all, at least to start. The opportunity to refinance presented itself (with John’s help) when we were reviewing a completely different offer early on (one of their mailings), and before I knew it, I had an opportunity to completely change my life financially – FOR THE BETTER – and I could not have done it without John and MiLend’s help.
To provide some context – my credit is a bit of a mess, and while my income is decent enough, I was struggling month to month to make ends meet based on my own poor decisions over the past 20 years or so. I had a ton of bad loans and my DTI ratio was VERY unbalanced – and honestly, I saw no way out.
John drew together a proposal for me and, after some due diligence and some adjustments here and there, we were able to move quite quickly to not only refinance my home (something I had needed to do since getting divorced in late 2020) but pull some cash out to pay off 100% of my remaining debts…which I never thought would have been possible. As of last week – all of this played out exactly as I had hoped it would, and thanks in large part to John and his team, I am on my way to building a much stronger financial future now that I no longer have a mountain of ‘bad debt’ hanging over my head.
I would highly recommend working with these folks if you find yourself in a similar situation…Not only were John and his team ALWAYS available to discuss my questions (whatever they were), but their ‘bedside manner’ helped me out a LOT when it came to the more challenging parts of the process… all of which worked out for the best. In the end, I’m very glad I answered that mailing and called these folks. My life is forever changed now.
