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 20 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, MN | February 28, 2015

I have worked with Tim for 13 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 , MN | January 01, 2016

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, MN | December 28, 2015

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 , MN | May 25, 2011

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, MN | May 25, 2011

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!

- Lu
St. Paul, MN | May 25, 2011

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 , MN | May 31, 2011

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, MN | August 02, 2011

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!

- Angela
Coon Rapids, MN | November 16, 2011

Dear Tim, Thank you so much for helping us with our home financing. You were truly a joy to work with. I didn’t 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.

- Amy
Blaine, MN | December 20, 2011

"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!"

- P.H.
Downer's Grove, IL | March 06, 2014

Tim Alm was a pleasure to work with. Efficient with returning phone calls and emails.

- Anthony G.
Big Lake, MN | November 06, 2014

Tim is very plugged into the market and indicators impacting movement of interest rates.

- Aaron & Samantha B
Maple Grove, MN | November 06, 2014

Tim did an amazing job taking the time to explain the entire process. This is what sold me on PHH Home Loans.

- Mike B
New Brighton, MN | November 06, 2014

Shelly has been great assisting us through this transaction. Thank you!

- Andrew C
Shoreview, MN | November 06, 2014

It was a very unique experience and everyone involved went above and betond to make this work! I am very appreciative for all the help from PHH!

- John T
Minneapolis, MN | November 06, 2014

As a real estate professional, I have worked with Amy on several occasions. Have had a 100% success rate, which is crucial to my business. I know when my clients work with Amy, they will get the best service and a positive result!

- Steve M.
Naperville, IL | December 29, 2014

Thank you so very much for all of your help, patience and hard work. We are really happy with the help we received.

- Dawn
Omro, WI | January 13, 2015

Rick was amazing! He really took the time to explain every step of the process clearly. He got back to me in a timely manner. Best of class when it comes to customer service. I will recommend him highly.

- Kareeda
Brookfield, WI | June 05, 2015

Everyone we worked with at PHH was incredibly helpful and knowledgeable. We appreciate everything our loan advisor Rick Larson did for us.

- Matt & Charlotte
Milwaukee, WI | August 04, 2015

Tim we greatly appreciate all your efforts in closing the deal on our home loan. Thanks again for everything,

- Mike & Cindi
Elk River , MN | October 12, 2015

Rick was great! I appreciate all of the help. Everything went smoothly and I could not have done it without him. Thank you.

- Reid V.
Milwaukee, WI | December 07, 2015

PHH loans and senior loan officer Bob Dubin was a blessing sent from the heavens above.. My first home buying experience was a breeze, and i can only credit Bob and his staff for that. Professionalism and integrity are only a few of Bob traits that i came to understand. He truly was a blessing, I would recommend PHH and Bob Dubin to anyone looking to purchase a new home..

- david
steger, IL | December 15, 2015

Rick was extremely helpful and patient. He did an excellent job walking us through the process of getting a home loan.

- Elise & Jamie
Menomonee Falls, WI | January 13, 2016

Rick was very helpful in assisting me to understand what I needed. He was very kind and friendly.

- Beverly
West Bend, WI | April 04, 2016

Great job on my financing. I'm recommending Rick to everyone in the future!

- Phil T.
Belgium, WI | May 05, 2016

Rick, I am beyond impressed with your customer service, particularly with first time buyers. You are incredibly thorough and responsive. I truly appreciate it and will refer all my clients to you in the future.

- Susie P. (Real Estate Agent)
Milwaukee, WI | July 14, 2016

Thank you for making my home purchase a reality. I appreciate your availability after hours, rapid response and attention to details. I look forward to doing business with you in the future

- Jack K
Milwaukee, WI | September 29, 2016

Thank you for all of your hard work. We really appreciated your time, expertise and dedication. We wish you continued success in your career.

- Karen P.
Brookfield, WI | November 30, 2016

Rick, I wanted to thank you one more time for all of your help with our third purchase. I will forever be thankful to our agent, Vicki for introducing us to you. We'll work together again.

- Josh T
Whitefish Bay, WI | November 28, 2016

Rick went above and beyond to ensure that all of our questions were answered. He was fantastic to work with and he made the process easy and understandable.

- Katelyn H
Cedarburg, WI | February 15, 2017

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This is not a commitment to lend. Loan programs, rates and terms subject to change without notice and are subject to property and credit approval. For informational purposes only. Restrictions may apply. Your real estate professional is not a mortgage lender. Please contact your Loan Officer for information about mortgage products and your eligibility for home financing. 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; 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; Missouri in state office located at 2458 Old Dorset Road, Maryland Heights, MO; Ohio Certificate of Registration MB.804019. Equal Housing Lender.
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