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304 North Cardinal St.
Dorchester Center, MA 02124

A+ Mortgage Reviews: What Customers Are Saying

A+ Mortgage is a direct lender offering various mortgage loans and services like pre-approval, rate-lock, down payment assistance, refinancing, and online applications. Customer reviews highlight their fast processing times, responsive loan officers, competitive rates and smooth process.

However, some customers experienced communication issues and unexpected changes in interest rates. They are considered suitable for first-time home buyers due to their down payment assistance programs.

A man holding a letter of approval

What Services Does A+ Mortgage Offer?

In addition to their variety of mortgage products, A+ Mortgage provides services to make the homebuying process easier:

  • Pre-approval – Get pre-approved for a mortgage to have a better idea of what you can afford. This makes you a stronger buyer when putting in offers.
  • Rate-lock – Lock in an interest rate for up to 90 days while shopping for a home. This protects you from rate increases.
  • Down payment assistance – A+ Mortgage offers programs to help with the mortgage down payment, which is often the biggest hurdle for buyers.
  • Refinancing – You may be able to lower your interest rate or payment by refinancing your existing mortgage.
  • Online applications – Apply for a mortgage completely online for faster processing.
  • Accessible loan officers – Get in touch with a loan officer easily by phone or email throughout the process.

What Do Customers Say About A+ Mortgage?

Buying a roof over your head is always an emotional process, and rightfully so. You work hard to save up and venture into such a large investment as home buying – it’s equally exciting and stressful. That’s why it’s so important to get into business with a lender committed to the application and transaction process the same way as you.

A+ Mortgage has been in the business for over 20 years, and they have many experienced professionals that can provide everything you need. You can get informed about the whole process in detail, and if needed, you can reach Loan Officers on their cell phone numbers.

When you venture into the process of purchasing a home, there are many unknowns, especially for those who were never in the lending process. If you’re wondering if a mortgage broker is a lender – a broker is a middle man who helps clients pick the best lenders. And the greatest benefit of A+ Mortgage is that they are a direct lending company.

Here are some themes from recent A+ Mortgage reviews:

Positive Reviews of A+ Mortgage

  • Fast processing and mortgage approval times
  • Helpful and responsive loan officers
  • Competitive interest rates and closing costs
  • Smooth process from application to closing
  • Down payment assistance programs are useful for buyers

Negative Reviews of A+ Mortgage

  • Communication issues with some loan officers 
  • Confusing paperwork requirements
  • Not as fast as advertised in some cases
  • Interest rates changed unexpectedly for some buyers

How Does A+ Mortgage Compare to Other Lenders?

Compared to large national lenders, A+ Mortgage offers faster service thanks to their local operation and focus. However, interest rates may be slightly higher than the lowest rates from online lenders. 

For first-time home buyers, A+ Mortgage could be a good option thanks to their down payment assistance programs. But frequent home buyers may want to shop around for better rates.

Overall, A+ Mortgage offers reasonable rates along with excellent customer service according to most reviews. Just be sure to shop around and compare quotes from multiple mortgage lenders.

How to Choose the Right Lender for You

Here are some tips for finding the best mortgage lender for your situation:

  • Compare interest rates across multiple lenders 
  • Ask about discount points to buy down rates 
  • Inquire about closing costs and fees
  • See what down payment assistance programs are offered
  • Look for responsive loan officers and good communication 
  • Check reviews and complaints for red flags
  • Consider both online and local brick-and-mortar lenders

Make sure to get mortgage rate quotes from 3-5 different banks, credit unions, and lenders when shopping for a loan. Comparing rates and fees will help you find the most affordable option.

What Are Some Common Complaints About Mortgages in General?

Some frequent pain points that borrowers experience include:

  • Difficulty providing all required documentation
  • Long waiting times for mortgage approval
  • Unexpected changes in interest rates
  • Poor communication from loan officers 
  • Delays in the mortgage closing process
  • Being rejected after initially being approved
  • High closing costs like origination fees

To avoid issues, be organized with your paperwork, get rate lock agreements, and stay in close contact with your loan officer. Also shop around to compare multiple lenders.

How Can You Avoid Problems with Your Mortgage?

Here are some tips to smooth out the mortgage process:

  • Review your credit report and scores before applying
  • Get pre-approved to confirm you can afford the loan
  • Lock in interest rates as early as possible
  • Organize financial documents like tax returns early 
  • Provide requested paperwork quickly to your loan officer
  • Follow up frequently for updates on your mortgage application
  • Ask questions anytime something is unclear
  • Shop around with multiple lenders to compare quotes

Being proactive protects you from unexpected issues derailing or delaying approval of your mortgage.

Tips for Getting the Best Rates and Terms on Your Mortgage

To get the most favorable mortgage loan:

  • Shop around with several lenders to compare rates
  • Compare both interest rate and APR (all-in cost)
  • Ask about paying discount points to buy down the rate 
  • Negotiate with loan officers for better deals
  • Look for lender credits to offset closing costs
  • Opt for shorter loan terms to pay less interest (15-year)
  • Make a larger down payment if possible to get better terms
  • Review your credit and improve your score before applying

Even a small difference of 0.25% on your interest rate can save thousands over the loan. So take the time to shop around with various lenders and negotiate the best deal. 

Should You Use a Broker or Go Directly to a Lender Like A+ Mortgage?

Mortgage brokers can be helpful for exploring multiple loan products and lenders at once. This makes comparison shopping easier. However, going directly to a lender like A+ Mortgage can sometimes get you better rates.

It depends on your priorities:

  • If you value speed and ease, a broker may be preferable
  • If you want rock-bottom rates, go with individual lenders
  • Use a broker if you need more guidance about programs and options
  • Go direct to a lender for a straightforward process with fewer middlemen

Be sure to compare quotes from both brokers and lenders to see which option saves you the most money. There are advantages to each approach.


Doing your own due diligence is key to getting the best mortgage loan for your situation. Shop around, compare quotes, negotiate terms, and read reviews to choose the right lender.

Frequently Asked Questions(FAQ)

What does it mean when your mortgage is in review?

Mortgage review is the process of verifying a potential borrower’s financial information and creditworthiness before approving a loan. The review process typically includes verifying the borrower’s income, assets, and credit score, as well as assessing the value of the property being purchased. This process is designed to protect lenders from taking on too much risk, and to ensure that the borrower is able to repay the loan.

Should I get a mortgage review?

A mortgage review is a process in which a lender or mortgage broker examines your finances and credit history to determine whether or not you are eligible for a home loan. It is a good idea to get a mortgage review before applying for a loan, as it can help you identify potential problems and make sure you are prepared for the loan application process. Ultimately, a mortgage review can help you make an informed decision about whether or not to pursue a home loan.