Customer Testimonials

We work very hard for our customers because nothing pleases us more than helping our clients acheive the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

I have worked with Tim Alm for over 15 years. I am a Financial Advisor, and he ahs helped a lot of my clients buy a home or refinance an existing one. I have had nothing but good things said about Tim from my clients and highly recommend him as a Loan Officer.
Adam Gilmore
New Brighton, Minnesota

I have worked with Tim for eight years. I highly reccomend Tim because of the confidence and expertise he brings to the table. More importantly I appreciate the honest and ethical way he handles both his personal and business affairs. It is a pleasure to know and work with Tim.
Kevin Roach
Woodbury , Minnesota

I would highly recommend Tim Alm for all your mortgage needs. He has been in this business for 20+ years first starting in Real estate and then converting to mortgage lending, which he has mastered. He is excellent with first time hoem buyers to upper bracket buyers. He will find the best rate and program to fit each need. Honest, efficient and ligt hearted makes each transaction with Tim a winner!
Joannie Kemling
White Bear Lake, Minnesota

Wow! How great! I don't even know what to say to you two anymore...Thank you. I feel like you're totally taking care of me. I really appreciate it. I can honestly say that this experience of buying a home all by myself, which is supposed to be big and scary, has not been at all. Thanks!
Amy K.
Golden Valley , Minnesota

tim, It's been great working with you throughout the transaction...your excellent communication has definitely been appreciated and has made for a very laid back deal.
Matt C.
North Oaks, Minnesota

To All, Thanks for your help. I really appreciate what you have done for me. Hope we can work together again soon! Have a great day!
St. Paul, Minnesota

Dear Shelly, Thanks for all yourhard work to accomplish the loan for our daughters. I know it wasn't easy and much appreciated! We'll send referrals your way!
Cindy S. and Family
St. Paul , Minnesota

I have been using Shelly Hanson for several years now. She has been a wonderful lender for all of my clients. Shelly is a people person and handles all situations with all of my clients very well. Her closing ratio for all of my clients has been 100%. During the loan process and after the closing my clients comment on how wonderful it was to work with Shelly. Shelly gives undiveded attention to all of her clients! I am honored to be able to work with Shelly.
Patty Gatto, Greater Midwest Realty
Vadnais Heights, Minnesota

"I had no idea that I could buy a home before meeting with Matt, and he helped make the whole experience a 110% positive milestone!"
Bonnie E.
Robbinsdale, Minnesota

"Matt answered all of our questions so WE could understand. He was beyond helpful & patient with us!"
Maplewood, Minnesota

"Matt was very helpful, understanding and a loan officer who cared."
Dale and Betsy
Oakdale, Minnesota

"Matt, It has certainly been a pleasure working with you and your company. When I first started this I thought, this is going to be a real pain from a long distance. However, it went so smoothly and everyone was so helpful, it was almost fun"
Judy and Kathy
Ramsey, Minnesota

"Matt, We wanted to thank you once again for guiding us along the way, answering our questions, following up with little details and just in general being especially helpful at every step of the loan process."
Bruce and Harriet
Blain, Minnesota

"Matt, Thanks for making our first home buying experience go so smoothly. We really appreciate everything you did for us and will recommend you to others in the future!
Jennifer and Steve
Fridley, Minnesota

"Matt was always helpful and very accommodating to our needs. We enjoyed working with him."
Nathan and Laurel
Rogers, Minnesota

"Matt walked us through the whole process. Very helpful, every step of the way."
Jack and Suzanne
Blaine, Minnesota

"Matt Minder's service was beyond my expectations! I see no need for improvement. Everything went according to plan and it was a very smooth process. It was a completely excellent experience."
David and Elizabeth
Minneapolis, Minnesota

"Matt, We can't believe it happened and now we have a great house. Thanks for all your hard work and fun attitude."
Matt and Carla
Mounds View, Minnesota

"We were treated with respect and our questions were answered throughout the loan process."
Joan and Brian
Columbia Heights, Minnesota

"I couldn't believe how smooth and easy the process was. Matt was quick and efficient in getting my loan approved."
Forest Lake Township, Minnesota

"We have worked with Matt for the past 10 years; two mortgages and one refinance. Not only does Matt get us an excellent rate, but he takes into account each unique situation and presents the best options. He takes the time to answer our questions and explain all the loan lingo, so we know exactly what we're signing. As long as he's in business, we'll be his customers!"
Matt and Shani
Cambridge Township, Minnesota

I just wanted to thank you guys again. You were all such a pleasure to work with, so friendly and personable, you made everything go so smoothly and I can't wait to be able to refer you to my friends and family. I'm all moved in and my first night here was last night... I don't think I could be happier with my purchase... I absolutely 100% love it!!! Again, thank you so much!
Coon Rapids, Minnesota

Dear Tim, Thank you so much for helping us with our home financing. You were truly a joy to work with. I didnít know the financing portion of a home purchase could go so smoothly.I would recommend you to anyone looking for a home and have mentioned you to several people I know.
Blaine, Minnesota

"David has been a tremendous help with my son's home loan. His great customer service helped us get through all the paperwork, and more paperwork. I think he went way beyond his call of duty and I would recommend your company to anyone looking for a home loan or refinance, based on the customer service David gave us."
Vicky W.
Granite City, Illinois

"Thank you so much for your help and perserverance in our refinancing. It was and continues to be deeply appreciated."
Owen K.
Chicago, Illinois

"Thank you, David. I really enjoyed working with you. I feel like I have David withdrawal right now!"
Christy S.
Glenview, Illinois

"We are just so grateful that we have been blessed to work with Pam. PHH Loans can also feel blessed to have her represent your company. Her personal character speaks volumes. Her pleasant demeanor and gift of listening can only be considered assets to PHH Loans. You have one fine employee in Pam Jackson!"
Downer's Grove, Illinois

PHH Home Loans, LLC, 1 Mortgage Way, 3rd floor, Mt. Laurel, NJ 08054. NMLS ID #4256 ( Arizona Residential Mortgage Licensee #BK 0907270; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Regulated by the Colorado Division of Real Estate; Illinois Residential Mortgage Licensee #MB.6759865; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Minnesota - This is not an offer to enter an interest rate lock-in agreement; Licensed Mortgage Banker - NYS Banking Department; Equal Housing Lender.      
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