To Whom It May Concern:
Our realtor recommended Nick Utesch with Progressive Financial Services to my wife and I several years ago when we purchased our new home. Nick was great to work with and he found us a great rate on our new house and made the daunting experience of buying a house go smooth. We kept our old house to use as a rental property and Nick was able to help us refinance it as well. He showed us how we could pull out the equity to use toward the purchase of our new house.
Two years after we moved into our new house, the interest rates dropped dramatically so I wanted to refinance our home so I called Nick. He again got us a great rate and we were able to cut our mortgage from a 30 year to a 20 year term which will save us thousands. Since then we have expanded our real estate investments and purchased another house to rent. Once again I didn’t hesitate and called Nick and he was able to get us the financing we needed to make the purchase.
Nick is excellent to work with and I continue to use Nick in my real estate investment business. He is always very friendly & responds promptly to phone calls and e-mails. But most of all, he is very knowledgeable about the mortgage business and is always able to answer my questions. I would highly recommend Nick to anyone buying a home or refinancing.
Sincerely,
Danny Lambert
Edmond, Oklahoma
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January 28th, 2010
Buying a home is a daunting task, especially without the help of someone who has done it before. My realtor was referred to me, and she quickly gained my trust, (Also, she was a friend of my mother’s). She referred me to several lenders to talk to, including Nick Utesch. I contacted several of them, and found that I didn’t get a feeling that some of them understood the Loan process well, nor my ignorance to the details.
The VA loan process is a little bit complicated. When I talked to Nick Utesch, I was very relieved to find someone who understood the intricacies and was very good at explaining how it works. Over the home search process, Nick and I talked a lot as he explained, to my thick skull, what needed to be done.
I was never confused by his explanations or instructions. He made the whole process comfortable and I never doubted his advice. He was able to help me through the hard parts while providing calming and encouraging support. When I closed, EVERYTHING was in order and it was easy!!
I’m very thankful to have the help of such a knowledgeable and professional man! I will refer him to everyone with complete confidence. It really was a pleasure to work with him. Nick is supportive, encouraging, very knowledgeable, thorough, efficient, friendly, patient and professional. I got really lucky to find a man of his caliber to help me through the "Forest of the Unknown", which is first time home buying. Thank you very much for the help, Nick!
Sincerely,
Corey Jameson
Oklahoma City, Oklahoma
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December 1st, 2010
Dear Nick,
Thank you so much for all your help with our mortgage refinancing. The process was surprisingly very smooth and painless and Mike and I appreciate everything you did to make this happen!
Not only were you exceptionally attentive and timely in taking care of every detail of our refinancing, but you were also a pleasure to work with! No matter what time of the day or evening, you were always available for my phone calls and questions — and treated me each time as if I were your only client.
Nick, thanks again for everything! I will definitely be recommending your services to my friends and family, without hesitation!
Best Regards,
Cheryl Millard
Edmond, Ok
October 9th, 2009
To Whom This May Concern:
I would like to formally recommend Mr. Nick Utesch as a Mortgage Specialist for anyone looking to purchase a home. My wife and I bought our first house with the assistance of Nick and the process couldn’t have been any smoother. I am a Veteran and I had tried to deal with other banks to secure a loan, but none of them had the expertise to accomplish what I needed. Nick was very confident and answered all of my initial questions and assured me that my dream of home ownership was closer than I think.
Normally, there are a few surprises that set you back from your dream of home ownership, but with Nick there were no surprises at all. His estimates were spot on and there were no issues at closing.
Even though I had never purchased a home before, I have been a part of a few real estate transactions as a broker, and this was by far the most hassle free and professional experience. Nick made me feel "up to date" with his great communication. I never was wondering about how things were going. He accomplished everything in a very timely manner and kept me in the know at all times. There were no sleepless nights wondering about the "what if’s".
I will continue to recommend Nick to anyone I come across looking for a mortgage. I appreciate all Nick has done, and I am glad that I don’t have a horror story like so many of my friends have from using other mortgage companies.
Sincerely,
Brad Townsend
Moore, Oklahoma
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July 27th, 2009
Dear Nick,
Thank you so much for everything you have done!! The closing went very smooth and you have definitely received high marks from everyone at the closing table. Deborah, Lori and Pat have all stated that you were: efficient, fast and communicated with everyone very well!!!! I am very impressed and would be honored to be used as a reference for any future clients.
Thanks again!!
Larry Fleshman
Moore, Oklahoma
February 12th, 2009
To Whom It May Concern:
This letter is to recommend the professional services of Nick Utesch. I have had the pleasure of engaging the services of Mr. Utesch several times and have found that his expertise, experience and advice is accurate and poignant. As such, I would highly recommend doing business with Mr. Utesch to anyone.
One such instance of note, Mr. Utesch was consulted to pursue a mortgage for my first house. After attaining a mortgage with a competitive rate and term, Mr. Utesch thoroughly analyzed and guided me through the underwriting process including proactively planning for any unexpected events. As a result, the underwriting process and closing occurred smoothly and without surprise. The care and attention displayed by Mr. Utesch went above and beyond the standard of care in the industry.
Therefore, my professional experiences with Mr. Utesch lead me to recommend his services to anyone due to his exceeding attention to detail, expertise and interpersonal communication.
Best Regards,
Tyler Mantooth, Esq.
Attorney At Law
Edmond, Oklahoma
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January 4th, 2009
To Whom It May Concern:
My name is Vicki Maldonado and my husband’s name is Emmanuel Maldonado. We recently bought a beautiful home that we love. We owe many people thanks for helping us find the house and for helping us every step of the way. We were first time homebuyers and knew very little about buying a home or what to expect.
We found a realtor who highly recommended Nick Utesch to help finance our home. Right away, we knew we could trust him because he gave us realistic figures on what we could actually afford and that was before we even began looking. It helped a lot because Nick helped us to find a good price range that we could afford. He was not looking to make a sale or anything and he was just looking out for us.
He even stuck with us when we switched realtors and then switched realtors again. He answered all of our questions and made everything clear so we knew exactly what we were getting into. Actually, I remember calling him at 12 a.m. to ask him something and not only did he answer his cell phone but he was very helpful.
That said, I would recommend Nick to anyone, especially those that are first time homebuyers. If you are anything like we were & stubming around in the dark, Nick is definitely the go to guy for you.
Sincerely,
Emmanuel & Vicki Maldonado
Midwest City, Oklahoma
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February 2nd, 2009
To Whom It May Concern:
My husband and I recently purchased a home and used Nick Utesch to help us obtain our home loan. His service and professionalism is unmatched. Throughout the entire process, Nick promptly responded to telephone calls and e-mails. He was able to answer all of our questions and never acted as though we should already know the answers ourselves.
As an attorney, I expect the utmost in professionalism and ethical responsibility from anyone with whom I work. Nick exhibited these traits throughout the entire process, and I was not disappointed. He follows through on his word, and even called after we purchased our home to ensure that we understood everything.
I am certain that Nick has clients who are purchasing homes much more expensive than our new home. Yet, each time I spoke with Nick he made me feel as though my husband and I were his most important clients. I cannot recommend him highly enough, and would refer family, friends and clients to his business.
Sincerely,
Lisa R. Howard
Attorney At Law
Oklahoma City, Oklahoma
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October 18th, 2007
To Whom It May Concern:
I am a mortgage underwriter at a major bank and deal with loan officers like Nick on a daily basis. He has been by far the most professional nad easiest mortgage professional to work with. He even helped my husband and I with our own home loan.
We originally applied with another mortgage company and the day before closing, that company changed everything on us. The payment was not even close to what the other company told us, they wanted to close it with a much higher rate than what they had told us and they upped our closing costs by almost $2,000.
I contacted Nick that afternoon and he immediately jumped in to help. He was able to give us a much lower rate, cut our closing costs by half and got our loan closed in one week! He really saved the day! Thanks to him, we are in our new home and loving every day in it.
I would highly recommend him to any of my friends and family. He’s the best!
Sincerely,
Megan Klutenkamper
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October 17th, 2007
We recently purchased a home and used Nick Utesch for our lending needs. We have both purchased homes in the past and had bad experiences with about everyone we had used. We were referred to Nick from one of our friends. We had called around to a few places and had decided to go ahead and give Nick a call. Our expectations were pretty low and we were expecting to reach another "typical" mortgage guy….One who promises you the world but in the end only delivers a giant headache. We soon learned that Nick was anything but your "typical" mortgage guy.
Nick was full of valuable information that really helped us with the purchase of our new home. He was honest and never pushy. He was available at all hours to answer any questions that we had and as we were searching for a home he would call us periodically and update us with what the interest rates were expected to do. We have never dealt with anyone who took the time to call us and give us a "heads up" on this type of information.
He made our home buying process absolutely seamless and gave our loan such care and attention that we felt as though we were his only client, though we knew that we weren’t. Anytime we would call, he would instantly know who we were and the answers to any questions we had. He would frequently e-mail us and give us updates as to our loan progress and what was still left to do.
In the past it seemed like we would always have to be the ones to take care of most everything. That wasn’t the case at all with Nick. He was always one step ahead of us and took care of everything. He made the home buying process as stress free as it could possibly be. He is excellent at what he does and it is apparent that financing is more than just a job to him. He is unlike anyone we have ever worked with before. We have recommended Nick and Progressive Financial Services Corp to everyone that we know that is looking to buy a home or refinance. He has taken excellent care of everyone that we have sent him. Whenever we are ready to buy another house, we will definitely be using Nick.
Thank you Nick for everything!
Sincerely,
Misty & Jerry Terrill
Edmond, Oklahoma
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February 14th, 2007
Hi Nick!
I just wanted to thank you for all your wonderful work on helping us get a house. We are so happy and proud! You are awesome at what you do, and we will recomend you to all of our friends and family! Thank you so much! Good luck in the future!
Sincerely,
Kasey Lawrence
