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Customer Testimonials

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l cannot say ENOUGH about Mario Hart and the level of knowledge and professionalism he handled our loan and home buying procedure with! My husband and I had serious financial trouble a few years back but due to the need for 3 hack surgeries in 3 years for me ….big hospital bills, loss of my Job, and ‘5 kids to support. Needless to say we lost our home to foreclosure and my husband filed bankruptcy. It was a very difficurt few years for us. We had to rent smaller houses and moved 3 times in 4 years…“ So this year at the end of our lease my husband suggested we TRY to buy instead of moving over and over again. I started with lender that was not referred by anyone in particular and had no answer or information 2 days into the process. We have a friend who is a real estate agent who told me to call Mario Hart. She said if ANYONE could get you a loan it would be Mario. She said If he can’t...he Will give you the financial advice to get ready for possible future purchase We contacted Mario that day. He was extremely knowledgeable, I got schooled right from the get go. In one conversation, he took our info, explained what he could do right now but also said if I took care of a few things on my credit report, he could get us a great rate on a loan. He did exactly that. He even got a lower rate than he quoted us! He came to our house at 7 pm to go over paperwork and discuss strategies to improve our credit rating! I never had to call or email to find out where we were with the process. He emailed me or called almost daily. He kept the realtor happy by keeping her updated as well. Choosing Mario was the, best derision we made. He takes the worry out of the whole ordeal. He‘s very reassuring and confident that things will go well, so much so that a worry wart like me can actually sleep...some anyway. If you have a client in need a top notch lender, Mario Hart is definitely your man. If he could do for us what he, did (believe me..Nothing short of a miracle) as fast and painless as it was, he can do it for anyone! My real estate agent and her team have a rare gem here, i hope they appreciate him, because if it weren‘t for him I may have gone with a different realtor. He really sealed our business and I'm so happy that I was referred to him. Needless to say we will finally have a home large enough for our big family and best of no more moving!

-Danielle and Eric W.

It has always been a dream for our family to own a home. with my husband being in the military and knowing we would always be moving to different locations, we had never seriously considered it. For the last six years, we jumped from home to home while I attended college, cared for my family and balanced my career. With student loans in front of me, a military life and a crazy schedule; owning a home seemed impossible. When we met Mario Hart, our impossible dream seemed obtainable.

It has been an absolute pleasure working with Mario since day one. I knew nothing about the process of buying a home or what needed to be done in order to do so. He was patient and willing to teach us and help us understand the entire process, from beginning to end. Mario made us feel comfortable every step of the way. When we began to have doubts and fears about the ’what ifs,’ Mario quickly brought positively to our fears; and assurance that things will work out. The communication between Mario and our Realtor was fantastic. Every party involved was notified immediately for anything that needed to be submitted. This allowed us to get paperwork in a timely fashion to ensure we close on our new home in time. He would even give us courtesy calls to update us when we had not heard anything for a few days. Mario knew we wanted to lock into a good rate, so when he saw a drop in the market, he quickly locked us in.

Everyone talks about the process of owning a home and how difficult it is, butl have to say, this was such a smooth ride. The whole time, we were anticipating a bump in the road to no avail. I would recommend Mario Hart to anyone looking to buy a home. He has by far exceeded any expectations we had. I cannot believe we are now homeowners thanks to him and his team. We cannot thank him enough for making our dreams, reality.

Thank you for all you have done for our family,

-The Torres Family

A few months ago I joined a renown insurance company that asked me to let them refinance my home, well since their Homeowner insurance policies is well founded, I decided to give them a try and just thought it be a good idea to have my mortgage with them as well. To my displeasure after jumping through many hoops of getting mail from them, and mailing my life story to them, and all along they would tell me "how much they've really appreciated how expediently I was getting that information to them", I come to find that my home value was "underwater" and they denied my Refinance and they showed no remorse . I felt disgusted, used. About a month later I received a phone call from a gentleman Mr. Mario Hart from American Home Lending USA, LLC that claimed he can refinance my home even if it is underwater, and plus get me a very nice rate. It's sounded too fantastic to be true so after checking his credentials I gave him a chance . Lo & Behold this guy knows his business, he means what he said and say what he means! , Within a mere few weeks I got that anticipated phone call acknowledging my new approved refinance loan is ready to be signed ASAP. I'm very happy with all details and I like to again thank Mr. Mario Hart and his associates at American Home Lending USA, LLC , they have renewed my faith in the fact they're real people who cares & knows how to do business with real people ,Great Job !!!.

Joseph W.  (VA refinance)

Jeff worked with us to help us obtain our loan at the best rate and terms for us. He was on top of things from the very beginning. I've heard horror stories from others on the many issues endured and multiple closing dates scheduled. We closed on the exact date and time we originally planned which was only four weeks after the date we put in our first offer. Jeff was very knowledgeable and worked seemingly around the clock to make everything work out as planned. I would recommend American Home Lending to anyone looking to purchase a home.

-Ryan N.

Dear Carl, My family and I would like to thank you again for all the time and work you did in order to get us through the home Loan process. We really appreciate all your hard work. You will be highly recommended.

-Thanks, Willi & Ruth G

I am writing this letter today to thank the amazing people, two in particular at American Home Lending USA, which made my fiancé and I home owners. They made things possible that my fiancé and I did not know would be possible. Jeff Beck, being the president and our number one, is just wonderful. He was our primary “go to guy” and was determined to make things happen for us. Bernadette Voss, the closing manager, was also very on top of things when things were put into her hands. Jeff worked all hours of the night, was available anytime I called and if he wasn’t, he called back or sent a quick text within minutes. There were times I would wake up to emails giving us updates first thing in the morning because he had been working on it late that night or bright and early that morning. Everything that my fiancé and I could possibly have against us, we did. That did not stop Jeff, he had determination! I remember him telling me, “Don’t worry, we will get you in that house!” I called Jeff if not every day, every other day to ask questions or get the status on things and every time he was there and more than willing to answer any questions I had! Bernadette was also the same way! Also, not many loan officers will show up to your closing, let alone a closing almost 45 minutes away, but Jeff was there to see things through to the end. We just an all around excellent group of people to work with and I would recommend their services to anybody at anytime. I just want to say thank you from the bottom of our hearts for everything you did and all the hard work you put in to make it possible for us to be new home owners!

- Shannon E. & David B.

Mario, Your attention to detail, service and friendly helpfulness has made the process go smoothly and decreased my stress about refinancing.

Thanks so much

Dr. Andrea Stephens., OB GYN (VA refinance)

Hey there Mario. Thanks for everything through this process. You've really made this a very easy process when it was something I kind of dreaded (just all the hoops). I know you and your team really knocked yourselves out on this one and pushed it through really quickly and I appreciate all your work.

Mike V. (first time home buyer)

The closing was very much a non event. The biggest thing was which pen to use to sign the documents. Attached is a letter to add to your file. This was the most informed and enjoyable house closing that I have ever been a part of.

When the time came to sell my house I was very much at a loss as to exactly how to go about it. Kennan and Katie Jacob, a young couple I know, were interested in buying the house. They went to Mario Hart to talk about what they needed to do to buy a house. Mario worked with them explaining what they could do to better their credit and reduce the amount needed to purchase a house.

When their loan was approved Mario called me and went through all the necessary paperwork that was going to be needed. I should mention that I had offered to help the Jacob’s financially and really had no idea how to go about that. Mario did a lot of the work that a realtor would normal have done and saved both the Jacob’s and myself a good sum of money. The loan was an FHA loan and you can imagine the amount of documents that were required. Mario went over every document with me and explained line by line what was happening. Every question was answered and I felt that I knew what was happening.

The closing was a very uneventful event. There were no suppresses for either the Jacob’s or myself.

The first thing I will do the next time I either buy or sell a house is contact Mario. I know that what ever happens I will be fully informed and up to date on every thing.

David B. (For-Sale-By-Owner)


Just to let you know…Jeff and I were approved to buy our dream house. This would not have happened if it was not for the hard work of Mario Hart and prayer.

Jeff and I do not have perfect credit. We are not an easy task to get approved for a large mortgage loan, but with Mario’s help on Debt Consolidation and putting us in the right Mortgage program it all came together. Plus a few prayers from family and friends.

I would highly recommend anyone looking at debt consolidation, refinancing, or buying a home, to call him.

Mario, Thank You for making our dream come true. You have an open invitation to join us at all our Holiday Functions…

Tammie R. (Sold their home and Purchased their "Dream" home)

Hi Mario,

I wanted to thank you for taking the time to explain every step of the way and educate me on the mortgage loan process. Over the years I have purchased several homes, but I never understood it. In the past the closings with the bank always felt mechanical, but not this time around. The thing that struck me was that I understood everything, I owe that all to you. The whole process went exactly as you had said, at the bank closing all of the numbers were exact and to the penny. It was a pleasure to have had the opportunity to work with you.

This was by far the absolute BEST experience that I have had!


Marcus B. (Refinance)

Mario Hart was very helpful with all of our needs. We would recommend his name to anyone!

Janet and Robert D. (first time home buyers)

After going through a divorce, and not having the best credit, I needed to re-finance my mortgage in order to get my ex-husbands name off of it. I went through the company my mortgage was currently with. Everything was done over the phone and fax. When I sat down at the table the day of closing there were several discrepancies in the final paperwork. The monthly payment was higher, the finance rate was higher, there was a pre-payment penalty when I was told there would not be, and they were paying off some of my credit card debt without ever discussing it with me. Needless to say I didn't sign anything, and I walked away from the closing.

I was not very happy. The title agent taking care of my closing was very helpful and kind. She said she knew of someone who might be able to help me and gave me Mario Hart's name and phone number. It was after 11:00am when I called him and he met me at my house at 12:30. He listened to what I had to say, asked detailed questions about what I needed from a re-finance, and took the time to explain things to me. He contacted me later in the afternoon and set up a time to meet again that evening. Mario had a couple different options worked out for me and explained them completely. I chose the option that best fit what I was looking for and Mario went to work for me. He kept in contact through phone calls and emails, always calling back when he said he would. I truly felt as if Mario cared about my best interests. I did not have the easiest situation to work with, but Mario kept at it so I would have the outcome I needed.

I have a happy ending to my story. Today, just a little over two weeks after first sitting down with Mario, I am going to the closing table again. This time I feel confident the outcome will be a positive one. I would highly recommend Mario to anyone looking to re-finance their current mortgage. He won't give up until the end result is what his client needs.

Amy M. (Refinance)

Mario, attached is the testimony letter you asked me for. I hope it is ok. We closed on the house today! It only took 40 minutes and we were out of there. My heart was racing while in there. I just want to thank you a 1000 more times for helping us, and making this loan and purchase possible. THANK YOU!!

Our story is one of a kind. When my fiancée and I decided that it was time to purchase a home, we were first referred to Mario Hart by a realtor. When we met Mario, we liked him a lot and the way he was conducting his business. But we decided to look around at other loan companies because we wanted a lower interest rate. We soon found another loan company that was going to give us the best interest rate in town. Unfortunately, after a month and a half passed by they still couldn’t close the deal. In extreme frustration we called Mario back and asked him for his help, knowing that if anyone could get this loan done, it was him. Mario told us that it was going to be difficult to make this loan happen, but he would try his hardest for us. In the time we were working with the other loan company bad things had happened; my credit score had dropped, interest rates had sky-rocketed, and purchasing a home had become more difficult. Mario started right away, looking for ways to get us approved and find someone to finance us. He worked day in and day out, even weekends and late nights for a month and a half to help us. I really liked and appreciated the way Mario took the time to explain everything to me in detail. He worked extremely hard for us and cared just as much as we did about getting the house we wanted. If it weren’t for Mario we wouldn’t have closed on our house today! Mario proved to us that just because someone promises you a low interest rate, it doesn’t mean anything if they can’t make a loan happen. I would highly recommend Mario Hart to anyone!


Casey Wantland (First Time Home Buyer)

I am a real estate agent in the Paxton area. I used Mario several years ago when I had a buyer for a house with terrible credit. They had a bankruptcy within 2 years and nobody could find them a loan except for Mario.

Not long ago, my wife and I were watching T.V. and a commercial for lending came on. You know, the one that says “when banks compete, you win” So I called them and the lenders started calling. I found one that I thought was going to work out. I liked the guy and he sounded like he really had my best interest at heart. They said I could borrow up to 80% of appraised value and did I want cash back. I told them I just wanted to pay off mortgage and didn’t want cash back. Therefore I didn’t need to borrow 80% to pay off mortgage. They set it up for 80% anyway, so thought to myself “that’s cool ,I guess I will get some money back.” But what had happened was they were going to pay off my mortgage and keep the change. When I confronted them about it, they conveniently never had my file in front of them.

I had gone pretty far in the process before realizing I was getting jacked around. I was talking to the same person on a daily basis about my loan and everytime I questioned him about my loan, he did not have my file in front of him or he needed to get the answer from his boss, or whatever else he could come up with. They had scheduled a person to come to my house and close on the loan, and I could not even get the terms from them as far as 20 or 30 year loan, interest rate or anything else about my loan and I was closing that night. I had asked them if there was an early payoff penalty and they said no. but the page that talked about early payoff was left blank and could have easily been check marked “pay off penalty” after the fact. These guys really got my feeling like I was making a huge mistake. The fees that they were charging me were astronomical. (remember they were “keeping the change”)

Then I remembered Mario! I told Mario my problems and the first thing he did was set up an appointment to come to my house and talk to my wife and I. I live an hour away from Mario, and he came to my house! When Mario left that day, I felt like a huge rock was lifted off of my chest. With Mario, I was able to borrow less money. (not the 80 % the other company was doing) Mario guaranteed me a certain interest rate and even though several weeks later interest rates had gone up, Mario was still able to get me what he said I would get. Costs and fees were cheaper, I borrowed less money. Mario saved me several thousand dollars and prevented me from making a huge mistake with these other guys. Every time I called him, whether he was in his office or driving down the road, he could answer my questions without having my file in front of him.

As a real estate agent, I will send ALL of my clients to Mario Hart, with full assurance that they will be taken care better than anywhere else. I strongly advise everyone to stay far far away from

Thank you

Todd Whitaker, Realtor at Rosenboom Realty (Refinance)

"Everything was great! We got it done." -Ron Y. (refinance)

Mario Hart was very patient and caring throughout our mortgage experience. He educated us in a way that was very sincere and easy to understand. My wife’s parents stated that buying a home can be very stressful. Mario was able to evaporate the stresses involved with securing our loan. In my opinion, with my “special” credit, that was nothing short of spectacular.

Mario met with us on a Saturday afternoon to complete our loan application. His concise explanations of every page were very easy to understand. The application/ approval process was surprisingly easy.

As a renter you are locked into someone else’s idea of wall color, light fixtures and landscape. As a home owner, (that was fun to say!) we have been able to express our own ideas of a perfect room, fixture or tree. We have a sense of pride when welcoming guests to our home. Our dogs have their own yard to enjoy.

We are creating equity for ourselves not throwing money away on rent every month. We have no noisy neighbor to share a wall with.

We were able to have the seller pay our closing costs and eliminate out of pocket expenses at the closing table.

I appreciate how much effort it takes to turn a house into a home.

The day of the re-scheduled walk through the seller was sleeping in the property.

We were not educated to the many loan programs available for families like ours with “interesting” financial situations. We assumed that we would not qualify for a loan.

Mario hart has helped me fulfill a large part of the American Dream. His tireless work and easy disposition made a trying time pass with simplicity and peace that none of our friends found with other financial groups. I am honored to list Mario as my friend.


Jim C. (First Time Home Buyer)

Question: What benefits have you received from working with Mario as your mortgage guy?

He took the pain and thinking out of it. He made it simple. Basically, he told us what we needed to have, we handed it off and he took care of the rest. All we really did was signing our names!

We filled out an application on line. We met with Mario about a week afterward and signed papers. That was it! It was that simple!

No down payment! Also, that we didn’t have to escrow our taxes and insurance.

Besides being extremely busy decorating and changing things….we are so happy! We truly feel settled now and look forward to raising a family and providing a loving home that is all of our own!

Not that it was funny at the time, but every house that we liked and put a bid in on, a previous bid was accepted the day before (that happened 3 times!) Of course, when it was the right house, the bid was accepted! All in all, Mario made it a smooth transaction and was such a great friend to work with!

We didn’t think we could get a loan. My parents were always saying that you had to have perfect credit or a down payment. NOT TRUE! As Mario says “the only reason people don’t own their own home is because they don’t think they can”. How true!!!

Kristen C. (First Time Home Buyer)

When I was asked to call Jeff Beck by a fellow business person, I said oh, what do I have to lose.  It took about 2 weeks for me to follow through.  One day I called American Home Lending USA and spoke to Jeff.  He told me after some questions and answers he felt that he could get me the financing I needed.  Truthfully, I just was not convinced because three weeks prior I had been turned down flat by my own credit union where I had been a member for over 30 years.  I was not feeling very optimistic.  After our initial talk, I was instructed to contact Jeff back in a couple days.  After 10 or 11 days later, Mr. Jeff Beck began calling me with messages stating that he had good news.  He was assured that he could get the financing done.  I was still skeptical.  One morning without looking at the caller identification box, Jeff Beck caught me.  I was ear to ear with him no more dodging his calls, his claims, his oh so much optimism.  He said to me just let me move ahead and earn your business.  Well, he already had.  I felt his persistence was quite admirable.  After a few more calls and a few e-mails and faxing of information, Jeff Beck and American Home Lending USA made my dream come true.  I went from deep in debt to primarily debt free.  I got my financing.  I paid off several creditors.  I am now being asked to accept credit cards instead of my credit being rejected.  My credit went from fair to very good all because of Jeff Beck and American Home Lending USA, the best thing that has happened to me this year!!!  All I did was put my skepticism aside and Jeff Beck delivered for me and my family in a big way.  I am forever grateful.  My life is better.  I have financial peace of mind.  I am in a better place.  I cannot thank Jeff Beck and American Home Lending USA enough.  If you are like I was, just do as I did - pick up the phone, let Jeff Beck and American Home Lending USA earn your trust, your business, and a better life for you.  What do you really have to lose??? - Sandra S. - St. Louis, MO

"I just purchased a home along with my son and his girlfriend. This became possible with the help of Jeff Beck and American Home Lending USA.

This is how it all stated. My son, James and I moved here on Nov 15 2006. We moved in with his girlfriend Rosie into a one bedroom apartment. In December we started looking to rent a bigger place when my son suggested we look into buying a home, considering what they were asking for rent, putting that money towards a home of are own would make more since. So in January 2007 we started looking around...we found a great realtor and he called Jeff and told him about us. Jeff called use and we got the paper work stared. He let us know how much money we could borrow...we continued to look for a home until we found the one we all like and could afford. This is where Jeff made magic!!! He got right on the paper work, calling us for what ever paper work he might have needed. We were amazed how everything was falling into place. Jeff had to keep reassuring us that everything was going because we couldn't believe it could be this easy. But sure enough 6 weeks later on Feb 15 we signed the papers had the keys in our hand and became the proud owners of a wonderful home. Jeff made us fill important, as if we were the at top of list when we started. He was very clear on what he could do for us and what it would take. People say buying a new house is stressful and nerve racking...but ya know what, Jeff made it so easy its still hard to believe!! Thank you Jeff Beck and American Home Lending USA , you got know I'm telling everyone about you!! Your The Greatest!" - Rita, James and Rose


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Edwardsville & Glen Carbon Chamber of Commerce American Home Lending USA Real Estate Equal Housing Lender American Home Lending USA Better Business Bureaus Certified Greater Gateway Association of REALTORS Member INC 500 Top Companies American Home Lending USA INC 500, Edwardsville Glen Carbon Chamber of Commerce, BBB, Equal 			Housing Lender, Greater Gateway Association of Realtors, Real Estate
Illinois Main Office
230 S Buchanan St, Ste A
Edwardsville, IL 62025
Phone: (618) 659-8500
Toll-Free: (800) 965-0125
: (800) 771-6925
Florida Branch
620 Bypass Drive
Clearwater, FL 33764
Phone: (727) 400-3293
Fax: (314) 735-1250
Alabama Branch
250 Congress St
Mobile, AL 36603
Phone: (251) 289-9404
Fax: (251) 545-4935
St. Louis Branch
1430 Washington Ave, Ste 219
St. Louis, MO 63103
Phone: (314) 658-4534
: (314) 735-1250
Flowood, Mississippi
232 Martket Street, Suite 232
Flowood, MS 39232
: (601) 564-4500
: (601) 600-2526
Saltillo, Mississippi
3543 Tom Watson Drive
Saltillo, MS 38866
: (662) 762-4499
: (662) 796-0216

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230 S. Buchanan Street, Ste A
Edwardsville, IL 62025
(800) 965-0125 · (618) 659-8500

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