Elderly Homeowners

Note of Appreciation

Mrs. Miano, please accept this note of appreciation for the time and effort spent helping to refinance my house.  Your expertise, patience and untiring willingness to assist a senior citizen did not go unnoticed.  I would not hesitate to recommend you and the company you represent to my relatives, friends and others who might be considering a refinance. Again your efforts were greatly appreciated and I remain a happy customer.

MaryJo G.

Our closing went super smooth

Aaron, I wanted to take a minute and thank you. Our closing went super smooth on Friday and the overall experience has been very pleasant. You kept my wife and I comfortable throughout the entire process, and when we had questions, and or did not understand something you were willing to take the time and explain it. Sometimes twice. This is the type experience that will bring repeat business. I had actually contacted a competitor of yours and they failed to follow up. Aaron you kept us abreast of every single thing that was going on throughout the process and for that we are grateful.
You did everything you said you would and then some. Thank you for your attention to detail and overall professionalism. You made the entire process smooth.

Very Grateful.


Steve and Julie S.

Lower Rate and Better Service!

We were wanting to do a refinance on a house with property and I talked to multiple companies who told me that it couldn’t be done. I called Laura and from the very first she said YES we can, here are some hurdles we may have but we can get over them it just may take a little more time.  I had a two other places get back to me after I started the process with Laura and both of them were quoting me rates 2 points higher than Laura.  Laura was there for us through the entire process and got us over the few hurdles we had.  She got us a great rate and was in constant contact letting us know what was happening and where we were at in the process. .....  I HIGHLY RECOMMEND LAURA for all your needs!

Leslie A.


Financed Improvements on our Home Purchase!

"We were introduced to a 203k mortgage by Jayson Hardie at Homestead Financial Mortgage after our original lender turned us down due to the work that needed to be done on the home we wanted to buy. There was so much equity to be gained, we didn’t want to miss the opportunity. Jayson was able to get our purchase approved, financing in our home improvements,  and after 6 months, our home was worth $134,000 and we only owed $100,000."

Jeff and Cheryl A, St. Charles, MO

Got Me Out Of A Bind

"I was put in a bind due to a different lender. Not knowing where to turn my realtor suggested J.R. Obrecht. I called J.R. and explained my situation. J.R. took down the info he needed to get started right over the phone and a day or two later I was in his office signing papers on a home I had been trying to get for two months. I give J.R. and his staff 5 outstanding stars. His knowledge and being able to help me in such a short period of time is priceless. I would and do recommend J.R. Obrecht."

J.R.’s Zillow Reviews Pat B. - Granite City IL

Good Close and Personal Service

"I just wanted to say thanks for another good close and personal service.  Your attention to detail and making this an easy and great process is well received.  We have bought a few buildings now and refinanced twice and although the new rules are cumbersome for everyone, it seems your company is the only one that remembers that we are customers and we are buying a product.  Thanks for everything and we wont buy again without contacting you."

Thanks, Frank and Andrea

Most Responsive Loan Officer

"Aaron Rist was a pleasure to work with.  He was helpful in explaining my refinancing options, he put together a great package that was tailored to my refinancing needs, and easily was the most responsive (fastest) loan officer I have ever worked with.  I closed in no time, and any question I had was answered in the same day.   Overall, it was a great experience."

Kevin S. -Kansas City, MO

Found the Perfect Home

"This was my first time purchasing a home, so as you can imagine I had a lot of detailed questions. It also took me a while to find the perfect home. From the first day I called Aaron Rist he was more than accommodating. He explained the process to me, was very patient, and answered all of my questions. He kept in touch and followed up with me over the 6 months it took to find my home. He also got me an awesome rate. I would recommend Aaron and Homestead to my family and friends!!"

Thanks so much,
Jenn, St. Louis, MO

Superior Satisfaction

"It is not often I get to write a letter of SUPERIOR satisfaction when it comes to business.  We receive flyers in the mail about refinancing from several agencies and I typically trash them because it is a hassle to jump through all the hoops to get a refinance processed.  We were a little reluctant, but as we proceeded with Laura O'Neill, I can say we have never been happier with the service we have received.  Laura gave us our check list and we started running through it. Not only did Laura provide the check list, she called us to let us know what she received and then directed us with the next steps.  Talk about a woman that is on top of her game! If you email her, you get a response instantly, if you call her you get a call back within a few hours (if not minutes).  This was probably the smoothest refinance we have ever done and are very pleased with Laura and the service she provided us."

-Stacie and Ralph



Closed Purchase Loan

To say that JR worked diligently on my mortgage would be a gross understatement.  He was always able to answer my questions (there were many) and went out of his way to make sure that I was able to buy my home.I am incredibly thankful for all of his hard work and will definitely recommend him to all my friends.

Brittany F, Freeburg, IL

Family In New Home


Voice of the Customer

“I cannot thank Homestead Financial Mortgage enough. They helped my husband and I to secure a loan or our first house. Their knowledgeable staff helped us to navigate the entire loan process from the beginning to the closing date, and made it all easy for us to do.”

Michelle & Matt R. Creve Coeur, MO

Great Job!

"Hello Jr I thank you so much for the great job you did with my home loan. I also have a great admiration for the quality of work you did and patience with me. I definitely will recommend you and your company to people and friends I know. Again thank you JR Obrecht and thank you Homestead!"

Djamel G, Belleville, IL

Easy and Fast!

"Hi Frank, I wanted to email you and let you know just how impressed I have been with your services. My home re-finance with you has been relatively easy (on my part). Although I know you have put in a lot of work and effort that has made the transaction so smooth and fast. Thanks again. I’ll be sure to refer you when my friends or family need a home loan."

Chris A, St. Peters, MO

Beyond the Norm!

“I am writing to you to express our appreciation for the services provided to us by Homestead Financial Mortgage. More specifically, the attention, support and guidance that Laura Anderson has given to us in order to successfully refinance our house. In our opinion, Laura went beyond the "normal" call of her duties as a loan officer in order to see the successful completion of the process. Should we or our friends have similar needs, we will definitely recommend the services of G8 Mortgage and Laura in particular.”

Thank you very much!!!
Plamen and Nina D, Kansas City, MO

This Home is Finally Ours!

"Mr. Flynn: Just wanted to say thank you for all your help. We are so happy to finally call this house "our" home. Again, thanks"

Randy and Kathy B. Evansville, IN 47715

Thank You Laura!

As a small business owner, I knew refinancing my mortgage presented challenges. I was referred to Laura Anderson by a good friend of mine and my experience with Laura and Homestead Financial Mortgage was nothing but spectacular.  Laura believed in my loan and worked through the process with determination and diligence to ensure my refinance went through.  I have no doubt that most firms would have walked away because of the challenges my loan presented, but Laura was a true partner and made it happen.  With all the mortgage companies out there, save yourself some time and partner with Laura Anderson at Homestead. You will be thankful you did.

Best Regards,
Chris S Olathe, KS

Excellent Customer Service!

"To Whom it May Concern: I am writing this letter to acknowledge Laura O’Neill as having great customer service.  Ms. O’Neill helped my husband and I refinance our home, as well as set up a home equity line of credit.  My husband and I have been shopping around at different companies to help us get our finances in order, and we were very grateful for how helpful and knowledgeable Ms. O’Neill was.  She not only explained all of the financial jargon in language that we could understand, but she made sure we were going to actually benefit from these services before we finalized them.  She went out of her way to make sure we were comfortable with the refinance, as well as the home equity line of credit.  I would recommend Homestead to anyone that is looking at refinancing or at bettering their credit.  I would specifically recommend Laura O’Neill as Loan Originator because I trust her and I feel that she is very competent in this field.  Thank you for making this experience pleasant and informative."

Debbie H, St. Louis, MO


"Dear Sheila: Doug & I didn't get a chance to see you after the signing but we both were just amazed by Homestead--but more so by YOU!!!. We have bought homes & refinanced before, but it was not anything we looked forward to doing. You are so gracious, and it was a pleasure to work with you. Thank you for everything, Deb & Doug"

PS I'm calling your boss!
Doug and Deb B., Liberty, MO

Smooth and Simple!

"Frank, You were absolutely fabulous in helping us with our home refi. The process was painless, thanks to you. The issues we had, you were the only one to figure them out and find a way to fix it. You went above and beyond to make the process smooth and simple. It was a pleasure dealing with you and if ever we need anything, I know we will come back to you first. Have a great day!"

Jennifer C St. Louis, MO

Knowledgeable and Efficient!

"Dear JR, Just want to thank you again for your knowledgeable and helpful processing of our recent home refinancing. Everything went very smoothly overall and I am sure it was in no small part the result of your efforts behind the scenes. We really appreciated your sending Josh to our home for the final paperwork signings. It saved us time and travel expenses."

Ed and Juliane L St. Louis, MO

Awesome Experience!

"Just wanted to let you know about the awesome experience we had with Aaron Rist at Homestead.  It was the smoothest refi process we have ever experienced.  From the registration process to the closing process, we received awesome service. Aaron was extremely helpful, always polite and always keeping us informed.  I am going to recommend Homestead to everyone I know.  Thank you for making our day, month and year."

Brian and Julie H O'Fallon, MO

Above and Beyond!

"Frank: You were absolutely fabulous in helping us with our home refi. The process was painless, thanks to you. The issues we had, you were the only one to figure them out and find a way to fix it. You went above and beyond to make the process smooth and simple. It was a pleasure dealing with you and if ever we need anything, I know we will come back to you first. Have a great day!"

Jennifer C Florissant, MO

Explained Everything

"Laura, It was so nice to meet you yesterday and have everything explained to us. No one has ever taken the time and I feel like we finally have an understanding on how(our mortgage) works. I didn’t realize how in the dark we actually were. I cannot thank you enough for explaining things to us."

Warren and Cari D Overland Park, KS

Thanks Aaron!

"Aaron, I can't thank you enough for working with me and helping me through this refinance. You were so understanding and patient with everything that came up throughout this process. I am truly appreciative. I will recommend your services to all who are in need. Thanks again for everything."


Hassle Free!

"Thanks Frank for working with us Homestead (Frank) was able to eliminate my PMI while keeping my payments the same and reducing the terms of our loan." Hassle free!

Very Responsive Loan Officer

"...this was my first transaction working with Homestead in my 10 yrs in real estate.  I know the first impression of the loan officer generally sets the tone on how things are going to go and I have been completely appreciative of the way you have handled things with being so responsive in returning emails and calls. I would not hesitate referring additional purchases to you.  Dave, you have been awesome to work with.."

Jeff Dillman Keller Williams Realty West www.jeffdillmanhomes.com

To the Staff at the Homestead Home Loan Office in Kansas

"I just wanted to thank you all for helping me to get the debt consolidation loan I needed. I appreciate that my business was kept private. Before I had filled out the online application, I was seriously thinking about bankruptcy. I didn't see another way out until my friend reminded me that my home was an asset and I could use it to obtain a loan to get rid of my debt. I was happy she told me and recommended that I use your services. As a single working mother of 3 boys, I appreciate that your office made this process simple for me to do. I feel like I can finally breath again and have a clean slate to start saving again."

Thank you,
Julie M

I Cannot Thank Homestead Financial Mortgage Enough!

"I cannot thank Homestead Financial Mortgage enough. They helped my husband and I to secure a loan or our first house. Their knowledgeable staff helped us to navigate the entire loan process from the beginning to the closing date, and made it all easy for us to do. We got a really good rate and were treated like valued customers – and not just another anonymous set of names and numbers."

Thank you again for all of your help,
Josh P


Refinancing our Home

"To whom it may Concern:

My name is Steven, my wife (Darcy) and I currently reside in Fort Wayne Indiana.  Our family moved to this address 6 years ago when I was transferred.

With two children in college you can imagine the tuition bills and college loans that both our children are going to incur at the completion of their education.  My wife and I have started helping them now by paying some of these loans back, so they won’t be overwhelmed at the completion of their education.  As you might expect, we were trying to find ways to cut some of our costs to be able to aid them.

With the above information one way was to refinance our home, with interest rates being low, this is what led us to Mr. Patrick Flynn with Homestead Financial Mortgage.

This letter is to express our deepest appreciation to Mr. Flynn for the professional and caring way in which he treated my wife and myself during our refinancing process.   I have made several phone calls to Mr. Flynn as new questions arose during this process and each and every time he never made me feel I was taking up his time, now that things were near the conclusion and always treated me in a caring and respectful way.  It is for the reasons I’ve mentioned that I would like to let his superiors know how he treated us and would highly recommend Mr. Flynn for any of our friends looking to refinance."

Darcy and Steve C., Fort Wayne

Couple with new home

Homestead Financial Zillow Reviews