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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 !!!.
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.
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
-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
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
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
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"
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
This was by far the absolute BEST experience that I have
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 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
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.
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!
(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 tree.com 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
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 lendingtree.com
Todd Whitaker, Realtor at Rosenboom Realty (Refinance)
"Everything was great! We got it done." -Ron Y.
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
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
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
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
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
Rita, James and Rose