First, I'd like to say that I had absolutely no reservations in selecting Larry at Credit Works Mortgage to handle the loan on my first home purchase. This was because I have several friends who have all had top notch experiences working with him over the years on several home purchases. In my case, he certainly did not disappoint!  His professional and courteous service made me feel as if I was his only client. My loan was processed and approved ahead of schedule leaving me ample time to plan for my move. Larry provided me with a detailed breakdown showing the estimated money due at closing and monthly payment for my loan on the day I went under contract.  When I received the final settlement sheets, his numbers were pretty much dead on and the total closing costs were actually a couple hundred dollars less.  No surprises, except for the good kind! I will, of course continue to recommend Larry and his stellar processing team to anyone in the market to buy a home.
-John Carroll

We used Larry and his team at Credit Works Mortgage to refi our current mortgage, which they also initially handled.  As promised, everything was on time and under budget.  The only surprises here were less money needed at closing than expected!  They are true masters of efficiency and honesty.  We will use them again and again for our mortgage needs as they arise.  Thanks,
-Toni and Jim

Larry, as parents of a first time home-buyer, we would like to express our appreciation for your really excellent and dedicated service in guiding our daughter (and us) through the loan process. We were gratified by your prompt and lucid responses to our inquiries, and your enthusiasm, integrity and expertise place you well above the norm! The fact that you more-than-fully delivered on your promises was particularly rewarding, and we highly recommend you and your team at Credit Works Mortgage. Our thanks also to your Processing Manager for his kind help.
-Dianne & Brian Thompson

I want to thank you for all your hard work and quick response to my needs. I am extremely impressed with how you handled everything.  I look forward to working with you in the future.
Take care,
-J Chow

Even though this was not our first home purchase, we still needed a refresher on the overall home buying process, especially since times have definitely changed since we last purchased. Larry was excellent and took the time to walk us through the process once again in detail. He answered my millions of questions with patience and really exceeded my expectations. His knowledge and passion for the industry is admirable. His proactive nature, positive attitude, expertise knowledge, excellent communication skills and timely work ethic really made this home buying experience a pleasant one for us. I would, without a doubt, recommend Credit Works Mortgage to any of my family and friends. Having worked with not-so-great lenders before, it really makes us appreciate the people who are truly committed to their service and clients. Thank you so much Larry for everything! We look forward to working with you again in the future.
-Jamie  and Joe Roach

On Friday Nov 19th around 1pm  the news came from another national lender that my husband and I did not qualify for our house mortgage due to a change of rules. We were supposed to close on Monday the 22nd. I did not know what to do or say, the place we were living in had been rented to another couple and they were moving in on Friday which meant that me and my husband, 2 children, 2 dogs and 2 cats would be living in a hotel and would have no home for the Holidays. Larry got our file late Friday afternoon and met with me and my husband Saturday, he told us not to worry because he really thought he could get our loan done. He certainly was a man of his word, we closed on Wednesday Nov 24 just two days later then we thought. We were truly blessed that Thanksgiving  and enjoyed Christmas in our new home with our family. I really do not know what we would have done without all his hard work! So Larry from the very bottom of our hearts we wanted to say thank you so very much.
 -Maria Tarantello

Larry, I really have appreciated your kindness and straight-forwardness throughout this process.  We chose to work with you because of your rates but also because you treated me as an intelligent customer and were so generous with your time.  I know that you are extremely busy with rates like these, but your delivery never seemed stressed or over-committed.  It was a pleasure and we'd definitely recommend you to others.
 -Pam and Susan

 Larry, you are just exceptional at what you do!  I have had the opportunity of working with many lenders in my lifetime, both personally and professionally.  I have never found one that I have been more comfortable with. I never needed to call you with any concerns on my transaction. You are are a great communicator and you over deliver on every promise. I will not hesitate to refer you to my Real Estate clients as well as my personal friends, relatives and coworkers.
My thanks and sincere gratitude for a job very well done.
 – Terry S 

About three months ago I decided to purchase my first home so I starting looking around for a lender/realtor to help me through this process.  I wanted to make sure that I found a lender that I felt comfortable with, one that would take every measure possible to ensure that I could afford the home that I ended up with as well as look out for my best interests.  Most importantly, one that I could trust. I found that person with Larry.
Larry doesn't just pre-qualify he goes through the entire process of qualifying you to ensure that  when you go to contract on a home there are no surprises, no extra amounts of money needed, none of those scary stories you might have heard from other people who didn't choose him.  He was so detailed that on closing day all I had to do was show up. All I had to do was sign.  He was constantly looking for the best rates for me and when he saw the interest rates trending up he called me and thanks to him we locked in a rate that I will never have to change.  There is no one else that I will ever trust with my financial real estate needs except Larry. If you are looking for someone that will be there for you and ensure that you get a great loan without any hidden fees you don't need to look any further.  Larry is the BEST that there is PERIOD.
 Thank you so much Larry for everything!!  I will make sure that all my friends and family deal solely with you.
 -Karen and Joel Saltsberg

"Dear Larry, we really had a pleasant experience dealing with you and Credit Works Mortgage. You did a great job helping us understand our options, and helping us evaluate how they fit with our objectives. Additionally, you offered some timesaving things for us – like the courier to get our documents back and forth, and having the closing in our home. These services were extremely helpful with a new baby in the house!  Again, thanks for the great follow up and quick responses to all our questions and needs. Your processor Billy was a great help as well. When you say you are striving to perfect your clients' experience, we experienced it firsthand."
 -Phil and Dee Samuelson

I am thrilled to be in my new home and can't thank you enough for your assistance, expertise, and patience. I was not sure if conducting a home purchase long distance would be problematic but you assisted me every step of the way with the loan and I will always be thankful for your assistance. Larry your willingness to explain the process, the loan options, and the documentation needed to obtain my mortgage was incredibly helpful.  I feel so very fortunate that I had you working on my behalf during this process, as your expertise resulted in a very smooth, problem-free, on-time transaction.  I will be eternally thankful for your assistance and would highly recommend that anyone interested in a home purchase or refinance contact Larry at Credit Works Mortgage for outstanding service, support, and expertise.
-Kay Schneider

Larry, we have been wanting to write to you about how much we appreciated your efforts in helping us get the home loan. You must be a God send. After so many months of uncertainty about getting a home loan, you delivered as you have said, and in only 2 weeks, you made it happen. You were very persistent in following up with what was needed. You just exceeded our expectations, and that is what a home buyer should experience with a loan officer. Under promise (you said you'd do the best you can) and over deliver,(we closed in 3 weeks and you got us a very good interest rate!!)
You are fantastic! 
Thank you again so much and we will definitely refer you to anyone that we hear is looking for a home loan or refinancing. More power to you and Credit Works Mortgage.
 -Kevin and Carla Carey

Dear Larry
Thank you for providing what I will call "over the top" customer service. I
had been to another broker who strung me along for 6 months and then told me
he did not want my business because of the complexity of my loan
circumstances. Larry worked extremely closely with me to overcome all the challenges associated with my loan.
He was able to refer me to an excellent real estate
attorney who resolved my living trust issue that the other broker gave up
on. Anytime I called, Larry he promptly answered the phone, emails
were returned in hours if not minutes. Whether you have a straight forward
loan or one with issues, these professionals will take care of you.
Michelle L. Morgan

PS My rate was great too!!!

How can I thank you both enough? I knew you were with me every step of the way and I truly appreciate all that you did. I know that you went above and beyond to see this through and I am so happy that I chose you, I'm not so sure anyone else could have done what you did.
We're finishing up the move today, so we're exhausted and have our share of bumps and bruises but we are happy and my son is happy and that's what this is all about.
If you would like to use this for your testimonial page, please do, I will absolutely recommend you to my friends and family.
Linda Francese