What Clients Say
Here are just a few words from some of Carl's many clients:
Great Experience
We have never had a better experience with financing than with Carl & Kathy & Team. We've already reommended him!
.... Kim Agee & Linda Sohigian
Back again
This is our 2nd home we have bought using Carl and C&F.
When it comes time to buy our third we will be back!
--- Brian Shumake
Your Dedication
Thank you for all your help with our new home! We would not be having Christmas Eve dinner here if it wasn't for you. When hope was slipping away, you managed to turn things around for us. Your dedication will always be remembered and appreciated. Happy Holidays to you and your Familiy.
-- Brain Peregoy & Heather Morris
Great Service
Thanks for such great service and effective financial instructions/ support
-- Josh & Mahala Shumaker
Verry Happy
I have dealt with refinancing before and was given bad advice. This time, I felt I could trust you and was not dissappointed. I am very happy with the level of service we recieved and the convenience.
-- Suzanne & Michael Labriola
Terrific Experience
Carl, your service made a scary transaction for us go smoothly. Thank you!
-- Matt & Kate Kellen
Worry Free
This was our second experience with Carl & C&F Mortgage and both times have been worry free, easy and a great experience! Carl was always there no matter what time of day or even on a weekend to answer all of our questions. Thank you!
--Linda Bibb
Extremely Accommodating
Carl was extremely accommodating and provided excellent advice and assistance in a very timely and candid manner.
--Dan Foley
Smoothest Mortgage Process We Have Experienced
Carl and his team came through with flying colors. This was the smoothest mortgage process we have experienced in purchasing twelve properties in fourteen years.
--Fred Cardenas
Very Pleased
You and your staff were great in helping us find what worked the best in our particular situation. Also, I was very pleased with the way you answered all of our questions and when I called to ask you or Grace questions you all were very helpful.
--Calvin Ray & Alexis Davis
Very Professional and Very Kind
As a first-time home buyer, I was very nervous meeting with Carl because I was sure I wouldn't understand all "the lingo". I was wrong. Carl explained everything to me in terms I could understand. He answered all my phone calls and came to settlement with me. He was very professional and very kind to me.
--Linda Byrnes
Carl Made It Very Easy
Carl made it very easy as we were obtaining the loan using phone/email which can be problematic. We have financed/refinanced over ten times in several states in the last 8-10 years and we never had the loan officer show up at the closing--except for Carl. He is very good.
--William & Susan Lansing
Patient, Honest and Professional
Thank you for demystifying the mortgage process! Your patience, honesty and level of professionalism was truly appreciated!
--Joyce Stewart
A Dream to Work With
We appreciate your efforts in financing our new home. You were a dream to work with. Thanks for walking us through the process. We appreciate you looking out for us and being there for us.
--Frank & Kim
Quick and Simple Closing
Thank you very much for all your help with obtaining my financing for the purchase of the townhouse. Also, I couldn't believe how quick and simple the closing was.
--Margaret Harris
Thorough and Clear
Chris and I would really like to thank you for being so thorough and clear in the loan process! Everything has been so easy and such a wonderful experience that we wondered why we waited so long! Carl and the home team did a wonderful job making our first home purchase a great experience! He was always available to answer our questions. Chris and I had procrastinated for months from purchasing a home due to the anxiety and unknown nature of the process. After working with Carl, and having full contact and advice, we are so pleased and thankful for all the wonderful things he'd done and advised to make this the best experience!
--Steph Clement & Chris Shuma
Exceeded My Expectations
The entire experience in working with C & F, Carl Heimlich in particular, exceeded my expectations. I would highly recommend their services.
--J. Malerba
Honest and Trustworthy
I like to work with Carl Heimlich with C & F Mortgage. He is local, has some great programs for almost any situation and is an honest, trustworthy person who is dedicated to simply doing the right thing.
--Jim Duncan, realtor
Expert Advice
Carl--you are one of a kind! We appreciate your expertise and advice. You are probably one of few who are actually honest in the business. The first time I spoke with you on the phone, I felt very confident that you were the guy we should work with. Keep up the good work.
--Allen and Sandy Marshall
Excellent Customer Service
Carl & Grace are the prime example of excellent customer service. They restored my faith in customer service. I will send everyone I know to these folks. Many Thanks!
--Larry and Bebe Moore
Courteous and Efficient
Everything was addressed in a very courteous and efficient manner. Service and the whole experience has been wonderful.
--Jack Henslee
Great Job!
Carl was excellent! Gave us plenty of info and options. Thank you.
--Michael and Lynn Eurell
Great Service
Great service. Better experience than our last closing. Very efficient and together and on top of things. Will for sure use you for our future needs.
--Robert and Roxanne Siler
Couldn't Be Happier
It was a smooth transaction and I couldn't be happier with the results. Thanks everybody.
--Cindy Conner
Helpful and Expeditious
C&F was most helpful and expeditious in helping us pin down financing on a very short time line. Great job!
--Alan and Sandra Swinger
Carl Went the Extra Mile
We couldn't have asked for better service! Carl really went the extra mile to be sure we understood everything, plus, he treated us like friends each time we saw him!
--David and Heather Saylor
Thank you!
Thank you so much all you have done for us. It went very smooth. I had heard such horror stories and you made everything great.
--Mary Ann and Butch Carlyon
Conscientious and a Promise Keeper
Carl has helped me to buy one home and refinance two others in the last few years, and I have always been very pleased with his work. He is conscientious about the work he does and has always completed his work on time as promised. Unlike other agents I've worked with, Carl doesn't make promises that he cannot keep. I would choose Carl in the future for any home financing needs without any reservations.
--Andy W.
No Typical Loan Consultant
...Even though it was 7 o'clock at night on a Saturday, Carl agreed to meet my fiancee and myself to discuss the best loan package...He isn't a typical loan consultant - he stayed with us throughout the loan process and made the entire ordeal stress free. He even stopped by our new house as we were moving in, and offered his services...I strongly recommend Carl if you are considering purchasing a new home. His honesty and dedication to his clients are something that is not easy to find...I will never have to find a loan consultant as long as Carl is in the business.
--Scott & Courtney Lambert
He Listened to Me
Carl was prompt in returning phone calls, answering questions and handling paperwork. He listened to me. Arranged meetings at my convenience. He went over and beyond to meet my needs for the loan. He and his staff were courteous and friendly. I would not hesitate to go to him or recommend him for other mortgage needs.
--Virginia Fraser
Far Beyond Anyone's Expectations!
The efficiency, professionalism and service are far beyond anyone's expectations! Thanks!
--Russell and Katy Jones
Straightforward, Efficient And Trustworthy
Carl did an excellent job. He is very straightforward and efficient. We would definitely recommend him. He really helped us out and we found him very trustworthy.
--Michael & Diane Wyatt
Outstanding!Outstanding service. Both Carl and Grace were great. Thank you.
--Dan Bumgardner
Exceeded Our Expectations
You have always taken care of us. Once again, you have pulled through and exceeded our expectations. Thank you and we look forward to working with you again.
--Christy & Kevin Marshall
Hard-Working
Carl is hard-working and personable. In the midst of a hectic transition in our lives he and his staff kept us well-informed throughout the process, and lowered the anxiety of our transition considerably. Thanks!
--Kenneth & Charlotte Albright
Great Job!
Mike and I thank you Carl and all of your staff for a great job!! You all made our experience in getting a construction loan to a permanent loan so much easier. Thank you!! Keep up the fantastic work.
--Michael and Barbara Madison
Exceptional ServiceBeing new to the area I was without a frame of reference or contacts to rely on for referrals. I am so thankful for the exceptional service and kindness you extended!!
--Tracy Kohut
Great Help
Carl Heimlich was a great help when it came to getting our first house mortgage. I will gladly recommend Carl to anyone. I look forward to working with him in the future.
--Nichole & Michael Nieding
Prompt, Professonal and Wonderful to Work WithCarl and Grace couldn't be more prompt, professional or wonderful to work with - you feel like you are being taken care of by friends - I'll recommend you every opportunity I get!
--Amy Barton
Everything Went SmoothlyAll of our questions were answered in a timely manner. And everyone worked very hard to make sure everything went smoothly and closed on the date we needed. Thanks again.
--Vener & Theresa Ortega
Efficient and Worry-freeAny move, even intrastate, can be a stressful event. With Carl's help, this aspect of relocating was efficient and worry-free. From pre-approval thru closing, the only thing I ever needed to do was make a phone call or two. Thanks Carl.
--Robert Markham
Beyond Compare!Carl and the whole C & F Mortgage Co. team, including Hometown, provided exceptional service during the entire process. Each and every person went above and beyond to help us. The knowledge and expertise we received was beyond compare!
--Shelley & Michael Melnick
Very PleasedWe were very pleased. Everything went exceptionally smooth and fast. Thanks for the hard work.
--David & Diana Campbell
Rapid TurnaroundWe appreciate the rapid turn-around of our application, approval, and closing.
--Patricia & Ken Higgins
Always Available to Answer Questions
Thanks Carl, you were there for us throughout the entire process. You were always available to answer our questions -- no matter how many questions we had!
--Kathleen Rini
Breath of Fresh AirAfter trying to deal with our former lender, your team was a breath of fresh air...very professional, competent, and fast. Thanks very much!
--Doug and Pam Hawkins