The Rosenbaum Lending Group @ Sandy Spring Bank

This was hands down the best experience we've had securing a home loan in 21 years and five different home purchases (we're a military family), to include both VA and conventional loans. From start (applying for our home loan and offering on our home 12 May 14) to finish (closing on our home 18 Jun 14), Bob patiently walked us through the process every step of the way. He got us the best possible rate with a VA loan and then helped us and the sellers negotiate some of the challenges associated with VA loans. He promptly answered questions and sent us examples for anything we found confusing. When we made the offer he suggested we write a letter to the sellers telling them why we loved their home and gave us a copy of his own letter from his recent home purchase as an example. According to the Seller's Agent our letter was the reason we got the house. There were five other offers and reportedly one or more higher than ours. He also provided suggested letters for explanations or waivers we needed for our loan. When we went to our banks (USAA and Pentagon Federal) to secure our down payment, they were amazed at how soon we had our HUD (Friday before following Wednesday closing). They said most folks were scrambling the day prior to or of the closing. Bob was also there at closing to make sure everything went well, which it did thanks to Bob and his team at Rosenbaum Lending Group. Bottom line: we would absolutely use the Rosenbaum Lending Group again for future home purchases. We couldn't have been more pleased with their service.

The entire process was seamless. We had originally looked into refinancing a year ago when interest rates first started to go down. Unfortunately, my husband's credit rating wasn't quite high enough, but Bob recommended a great resource to help. After following the recommended steps over the course of about 6 months, his credit score went up significantly. (The original score was due to inaccuracies on the part of the credit bureau). So, we were finally able to qualify for a lower interest rate. One call to Bob and everything was set in motion. We went from 4.75% to 3.75% on a 30-year fixed mortgage, saving us more than $400/month!

This was not my first home purchase, but I had never purchased a home in Virginia before and things do work differently here. And times have changed. I did some homework and some shopping around with respect to the services I would need to buy a home. Whereas it had never occurred to me in the past to use a mortgage lender who was not a bank or credit union, I included FIrst Portfolio (found through Angie's list) in my initial list of potential lenders. Ultimately, I selected Bob and his team to help me purchase my home and am very glad that I did. The interest rate offered by First Portfolio was competitive. As I was able to take advantage of an Angie's List coupon for $750 credit upon closing, the final closing cost ($215) was better than that of other lenders I investigated. Of perhaps equal import - which a new homebuyer may not appreciate beforehand - is how accessible Bob is. Unlike your typical bank, Bob is reachable outside of 9 - 5 (or 8 - 3 or whatever bank business hours are). My needs, questions and concerns were addressed very promptly. If my memory serves, I called him on a Saturday to request a lender letter for a home I was interested in, and had the letter within minutes. Once I had an accepted offer from a seller, things moved very quickly. Bob works with colleague and loan processor Kuntri to do the tons of paperwork. He let me chose a settlement company, although I ended up selecting a company that he recommended. We closed in just under a month. Note that my realtor, who has many years of experience buying and selling homes in this area, had never worked with First Portfolio before (and was thus wary of my choice) but was very happy with how everything went. My experience with Bob/First Portfolio was overall a very positive one. I strongly recommend him. The subsequent mortgage loan transfer did not go as smoothly as it should have, but that would not keep me from employing the company's services in the future should I need to relocate.

I completely recommend working with Robert! He sought out ways to maximize the benefits of my VA loan - he could not have done a better job handling my loan/paperwork/experience. He took the initiative to do all he could to find me the best rate possible. And on top of that, he is personable. This was my first home buying experience, and I will go back to Robert for my second.

I reached out to four separate mortgage companies for a pre-approval loan. Slowly but surely, I was able to whittle down prospective mortgage lenders by their responsiveness, professionalism, and accuracy. Bob Rosenbaum proved to be the best! He was the most responsive (answered my emails within 30 minutes, including one email on Thanksgiving), most professional (helped me figure out whether or not I could afford my home after a counter offer that was higher than expected), and most accurate (I showed him another lender's Good Faith Estimate to see if he could match the competitor's rates and he pointed out several of their inaccuracies that lowered their total). Bob even accompanied me to my closing for any last minute questions. Overall, the best mortgage lender that I have ever met! He is very professional and trustworthy.

Bob Rosenbaum of the Rosenbaum Lending Group is an integral partner in my real estate busienss. He is my go-to when referring my valued client's to a lender for their mortgage and refinance needs. Bob is honest, straightforward and goes out of his way to explain the often cumbersome loan process to first time home buyers. He strives toalways provide first class service throughout the loan process and is one of the few lenders I have had attend settlement with clients. e has helped me out of very sticky situations with client's that opted for internet lenders,

Bob was proactive, professional, and responsive, even during the pre-approval process that took place while we were still living overseas. With his advice, we were able to lock in a rate just before rates moved up. His fees were reasonable. As a result, a fast-paced, potentially stressful process went smoothly. We will work with him on our next home purchase.

Bob and his team were able to quickly and efficiently provide my wife and I a loan for our new home. The transaction was very smooth and professional throughout the process. Bob was able to secure us an extremely good rate at a time when the home loan rates were in a high state of flux, and did a excellent job. The application and paperwork were painless and we got an immediate response from Bob and his team. Bob kept in constant communication throughout the process and knowledgeably answered all questions that we had without delay. His command of the loan process and the intricate details involved put my wife and I at ease during what can be a very stressful situation. My wife and I would definitely do business with Bob and his team again, and without any reservations we would recommend him highly to anyone that was looking for a new loan, or any other matters that fall within his purview.

Great service and immediate accessability. Made you feel like you were his only customer.

After the initial face to face meeting with Mr. Robert Rosenbaum to determine whether it was appropriate for me to refinance, everything we did thereafter was done electronically or by telephone. He made this whole process as simple as anything I've ever gone through. He was extremely professional and thorough in explaining the process, the time frame and the step by step procedure. At the time I was to have signed documents to secure the loan, I was on vacation. All of the documents which required my signature were sent to me electronically for review and signature. We never missed a beat. There was no last minute rushing around; everything went smoothly. The cost was such that I was able to recover all of my fees within 10 months, saving me approximately $400.00 per month on my mortgage payments and reducing the rate of interest on my loan. I would use him again if I needed this type of service and would recommend him highly. He presents himself with honesty and integrity.

Bob and his team were great! Received a very low interest rate and closed in under 30 days. The process was smooth and Bob made sure that all of my questions were promptly answered.

Bob and his team worked with us to meet a very short turnaround time, so we could win a bidding war for our house. He made the whole process happen in less than 30 days, where my bank (where I have been a member for years) said it could not even guarantee 60 days! Even better, Bob beat their rates by a substantial margin, both the fixed costs and the interest rate. it is no exaggeration to say we have our home today because of Bob and his team.

Robert and his staff were awesome! Any concerns that I had with financing and bank conditions were handled appropriately. Their cost was very affordable, while getting me a good interest rate. Robert even called me to discuss my loan details from vacation, and while I didn't want him to, he did anyway! That says a lot of dedication to your career and customers. I'm sure there are other good Lending Companies out there, but I will not be shopping when I'm ready to refinance or purchase again; I'll be using 1st Portfolio Lending Corp. and you should too!

Today is just another example of great service in a timely manner. He has served previous clients in the same excellent, professional manner, which leads us to continue to refer our clients to him.

We closed and it went smoothly because of Bob. We also did a refinance with him and it went nicely. We have since referred many colleagues, family, and friends to him knowing that they will be in good hands. He did VA & FHA loans for them and it went like clock-work...no doubt they will praise him here. He is truly a "gift" to this mortgage industry and to others that have the pleasure of meeting him.

I had always thought obtaining a mortgage was a complicated process, but after working with their team, I realized that I should have done it years ago. They responded within hours with a review of my application (which was also a simple process) and I was pre-approved shortly after (once some documentation was sent). I was shocked how fast and how stress free obtaining a mortgage was. I simply submitted some documentation, and I was pre-approved. It was as simple as that. After going through my credit union, which was a waste of time, I was worried I would not even be able to obtain a loan...but after meeting Bob Rosenbaum and the rest of his team I felt confident about it, and I had a real sense that someone qualified in this area was looking out for me. I was a first time buyer, and I typically have a lot of questions for any process like this that I'm a part of. Their team always responded the same day with complete answers to all of the questions and concerns. As the housing market is of low inventory in DC, homes sell fast. I also was using a VA loan, which unfortunately has carried a negative stigma among sellers and some real estate agents. The property I ended up purchasing was only on the market for two days before the seller received 2 offers in addition to mine, so I had to move very quickly and aggressively. Put simply, the team at Rosenbaum Lending are experts at securing and servicing VA loans. They participated in the negotiation process with the seller to resolve any of their concerns about the loan, and I am certain that if I did not have this lender, I would not have been able to purchase the home.

Bob was fantastic. We got a home loan for our first house in Annapolis, MD. He talked me through all my questions quickly and easily. He was available at literally any time of the day, on weekends, through email, phone, and even a few times we talked while he was at a bus stop somewhere in California. We did a VA home loan and he knew the ins and outs of the VA process better than we could have expected. We had a few twists and he worked through them effortlessly (at least from my perspective!). Best of all, he got us a great rate. :) Highly recommend you call Bob if you are looking for a loan. He made the whole loan process so simple I couldn't understand why anyone would ever get stressed about it!

Bob was great to work with on refinancing my house -- all questions (no matter how small) answered quickly and completely, often within an hour of the email! After putting up with refi companies that wouldn't even bother to respond for days on end, it was incredibly refreshing to work with Bob and his team. I would (and already have) highly recommend him for refinancing.

Bob was extremely helpful and responsive. No matter how silly our questions were, Bob was quick to provide an answer. He always got back to our inquiries within a matter of minutes or hours. Also, Bob was able to accommodate our special circumstances in that we were getting a loan while working overseas. At one point we thought that the contract would not go forward because the owner passed away in the middle of the transaction, but Bob was made sure that things went forward and without a hitch. In the end, he was able to get us a mortgage that was within our means and at a very good rate. We highly recommend Bob and would most certainly use his services again.

The Rosenbaum Lending Group did an outstanding job with servicing my loan for my new house. The application process for pre approval and the actual loan was a breeze. Except for a few pages that required an actual signature, the paperwork was all fillable online; a checklist of required documents was provided; and the communication was superb! When my real estate agent couldn't make it to my closing because of scheduling conflicts, Mr. Rosenbaum attended the closing to make sure the paperwork was correct and to "hold my hand" while I signed away the next 30 years of my life. You cannot ask for better customer service than that! The Rosenbaum Lending Group was so easy and friendly to work with. I would HIGHLY recommend them to anyone. And in fact, if I ever have to buy another house or refinance, I will definitely use them again.

This is the 2nd time I have used Bob, not because I like him (which I do), but because he simply gives the best rate, best closing costs, and, most importantly, best service both before, during and after closing.

Bob Rosenbaum is the friendliest, most responsive, helpful and knowledgeable lender I've worked with. He offered advice and guidance not only on loans, but also on homeowner's insurance, that saved us significant money. He was very personal, and made it a point to meet us in person when we started to work together. He was extremely punctual and responsive to our many questions, and very accommodating of our young children when we had to take them to his office with us to sign some paperwork. He was a pleasure to work with!!

I was referred to Bob and his staff by my realtor, and in the time frame laid out up front, all tasks were completed.

The Rosenbaum Lending Group @ 1st Portfolio did a refinance of our mortgage. They were very good. This was done about a month or so ago. They were very efficient, they were helpful, they processed our papers quickly and really made it pretty much pain free to do the refinance. It was a good experience overall and I can certainly recommend them as a mortgage company.

Bob and his team got my refinance done even while facing multiple challenges. From bank delays to a bad appraisal, they worked tirelessly with me to get a deal done. It took longer than expected, but at no fault of Bob and his team. They were always quick to respond to my questions and kept me informed of where we were in the process. Thanks to them, I have a much lower rate. I would highly recommend them to anyone.