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Client testimonials for Matt Culp

 

Chris Adcock and Family - First-time buyers

"Choosing Matt Culp and Bainbridge Lending Group as our mortgage broker was one of the best decisions we could have made in our first home purchase. Matt was always accessible, easy to communicate with (even as an out of state buyer), and extremely knowledgeable. I felt like I had not only a mortgage broker assisting me, but a seasoned real estate expert that could answer any of my questions and work through any challenges in the transaction. Matt made me feel like I was his most important client and was always thorough in his explanations and generous in his time. I highly recommend Matt to anyone needing lending services."

 

Drs. Doug Hansen & Sherri Egashira

"We have used Matt's services multiple times, and it is clear that he loves his profession. He is thorough, and he has done an excellent job finding the best choices for our needs. Matt has a talent for helping his clients understand complex options from an unbiased perspective."

 

Jeff Thompson

"Getting a loan these days is very tedious.  The amount of paperwork and data needed is overwhelming.  Matt was always thoughtful of my time when making requests for information.  He was efficient and thorough.  The application and approval process went through without a hitch and we received the loan for our home in Poulsbo without the frustration of a number of last minute requests from the lender."

 

Steve Havert

"I recently moved to Bainbridge Island and was looking to purchase a condo or small house.  My real estate agent referred me to the Bainbridge Lending Group and Matt Culp, specifically.  It turned out to be a great referral!  Matt is extremely knowledgeable and helped guide me through the loan application process with a high level of professionalism and courtesy.  When the deal looked like it might fall through due to some onerous requirements by the first lender, Matt quickly found an alternate lender and put together a new mortgage package.  Through his exceptional efforts and knowledge I was able to purchase a beautiful waterfront condo."

 

Jim Rynearson

"My wife and I had a great experience with Matt Culp this year.  He guided all us – Realtors, buyers, sellers, title & escrow – through a rather involved townhouse purchase in Redmond. Time was of the essence and Matt performed admirably. But that was no surprise. Jean and I have been working with Matt on Bainbridge Island since the early 90’s and have recommended him to many appreciative home buyers over the years. We have always appreciated his dedication, professionalism, and unflappable personality."

 

Teresa & Geoff Ball

"We have worked with Matt many times over the year. Quite simply, we think he is the best.  He is knowledgable, friendly, prompt, and experienced.  Matt makes the whole process easy and seamless. He has our highest recommendation!"

 

Eric Driggers

I worked with Matt on my recent home purchase and couldn't be happier. He is resourceful, very knowledgeable and easy to work with. I would recommend Matt to anyone, without reservation.

 

Deanna Chrisman

"Matt helped us with the loan for our new home. He took our complex financials in stride and assisted with filling out forms where our situation deviated from the norm. On top of that, we had a complicated post-inspection negotiation phase, and Matt was miraculously able to meet our necessary closing date despite reaching mutual acceptance much later than anticipated. We definitely planning on using Matt again the future and would wholeheartedly recommend him to others."

 

Ashlee Redfern

"Matt helped us with the loan for our new home. He took our complex financials in stride and assisted with filling out forms where our situation deviated from the norm. On top of that, we had a complicated post-inspection negotiation phase, and Matt was miraculously able to meet our necessary closing date despite reaching mutual acceptance much later than anticipated. We definitely planning on using Matt again the future and would wholeheartedly recommend him to others."

 

Theresa Mccord

"Matt helped us with the loan for our new home. He took our complex financials in stride and assisted with filling out forms where our situation deviated from the norm. On top of that, we had a complicated post-inspection negotiation phase, and Matt was miraculously able to meet our necessary closing date despite reaching mutual acceptance much later than anticipated. We definitely planning on using Matt again the future and would wholeheartedly recommend him to others."

 

David Barts

"Matt really knows the local market and he went the extra mile and closed my purchase a week early, which allowed me to negotiate a reduction in price with the seller."

 

Walter Davis

"Matt helped me with a very challenging loan through a refinance transaction. Matt's attention to detail, diligence throughout out the whole process when others gave up, and calm demeanor got us the loan we needed. Could not have done it without him."

 

Catherine Hatch & Michael Gunderson

"Buying a new home and securing a loan and moving from one state to another,  (all while residing out of state) can be a daunting task.  Matt Culp, Loan Officer at Bainbridge Lending Group, made it happen, kept us sane and we were able to "sleep at night" as they say. We could count on him to ALWAYS respond quickly, be crystal clear with details and next steps and follow up with all questions.  No problem was ever too trivial.We believe he provided wise counsel.  What he said would happen is exactly what did happen.  No surprises, no additions last minute, etc. If you need a recommendation for current or future financing needs, Matt Culp has our highest recommendation for your consideration."

 

Shannon Orr

"Matt helped us to determine the best loan strategy in a fairly complicated multi-property transaction.  I went in thinking I knew the best solution, however after Matt talked me through the pros and cons of several options, it was clear he had a better strategy for us.  Matt was always available, responsive and very easy to work with. His professionalism and attention to detail was top notch.  I would highly recommend Matt Culp to anyone looking for lending solutions."

 

Michael de Hart and Lyssa

"We required special handling during our most recent purchase. Matt was there for us throughout the entire process. Matt's consistent communication, sage advice, and flexibly made it all possible. This was not our first loan experience, but definitely the best."

 

Beth Layton

"I was going through a divorce and buying real estate by myself for the first time.  Matt made me feel very comfortable through the whole process.  He explained the process in a way I could understand, he guided me step by step and laid out the deadlines in an organized fashion.  I appreciated his attention to detail because I always knew what to expect.  He made me feel like a valued customer even though my real estate purchase was not very big in the scheme of things. I would highly recommend Matt and Bainbridge Lending Group!"

 

James Mcaulifee

"Thank you very much for all of the help you and your team gave us throughout the difficult house buying process.  Getting a loan to purchase a house is always a very stressful time for a homebuyer.  You and your team were wonderful at providing us with the exact information we needed to get the required tasks completed and setting up realistic time periods for us to accomplish the tasks.  Most importantly you and your team had the patience to tolerate frantic home buyers throughout the loan approval and bank closing process."

 

Charlie and Kimberly Brown

"My wife and I are more than happy to recommend Matt Culp to anyone that is looking for a reliable and expeditious loan officer.  Matt has prepared numerous loans for us over the years including home loans and second mortgages and we have found his knowledge and services most beneficial."

 

Bainbridge Lending Group made applying for, and getting a home loan so easy. From start to finish there was excellent communication from them to my wife and I. Highly recommended!

Richard Rosenthal

Tom Rees of Bainbridge Lending group is integrity personified! As an out of state home buyer unfamiliar w loan companies in the area Tom welcomed me warmly, clearly explained loan amounts I could afford on my retirement budget, got me a great % rate, walked me through each step, kept me informed throughout the escrow period, and was there to promptly answer a phone call or text every single time I had a question! He inspired confidence and trust in his business practice!

Sonja Bertsch

Working with Matt was a great experience. He made our house buying process, which was made more difficult during a pandemic, very low-stress. Communication and requirements were clear, and everything was handled swiftly. I would highly recommend Bainbridge Lending Group to anyone!

Kat Johnson

My wife and I have purchased and refinanced homes for over 30 years and Matt Culp is hands-down the finest broker we've encountered. He patiently guided us through a turbulent market during the early days of the coronavirus pandemic, carefully explained good and bad deals, and finally landed on a better-than-expected rate with lower-than-expected fees. He is very smart, able and honest--and we highly recommend him.

Colin Nelson

Matt did an outstanding job of helpng us finance our home purchase. Everything went smoothly with no hiccups. Matt kept us well informed durung the entire process. We would certainly work with Matt again.

Jon Knight

We have worked with Matt on two complicated cases and Matt worked hard to get us the best rates of both homes. Matt is very thorough and careful, and will spend the time and effort he needs to get a great deal for you when you need it.

Lisa Stubbs

Matt and the team at Bainbridge Lending arranged our loan for purchase of a home on Bainbridge Island, and then arranged our refinance a couple years later. On both occasions they hustled to help us satisfy the particular requirements of our loan situations and helped us close on excellent loans for our situation.

Jeremy Yates

Can't say enough good things about the mortgage process with Matt and Bainbridge Lending Group. I financed a VA loan in 30 days from beginning to close of the transaction -- most of the credit for the smoothness of the process goes to Matt and his team.

Eric Peterson

Tom did a great job on our refinance, finding a great rate at a reasonable cost. He was willing to answer our questions, no matter how big or small.

Joe Hensley

The best experience in 40 years of financial transactions--immediately responsive, highly professional, fully knowledgeable, unquestionable integrity, and with a warm and personal touch. If only the rest of the business world treated its customers this way.

Robert Zech

Kay is quite knowledgeable, quick with replies, and completes the process in a timely manner. Her suggestions and advice along the way are also very helpful. Kay is a genuine delight to work with and I highly recommend her!

Delea Valdez

Matt made first time home buying easy. He was patient and attentive every step of the way, and was lightening fast when the time came to write an offer. He made sure I understood every part of the process and worked with me to get everything I needed to the lender. Matt did all of the hard work and made purchasing a home easy and seamless.

Marielle Summers

Excellent Service Every Time
We were lucky to have found Matt Culp at Bainbridge Lending. Matt’s attention to every detail kept on right on track and he always found us the best option available at the best price. Could not be happier! Thanks Matt

Erin Erickson

Trying to do a long distance mortgage with a couple nationally know lenders, but neither had the service or the rates that Bainbridge Lending Group provided! Tom Rees and Co. were the best! Always kept us informed and delivered on time! Our lender of choice on Bainbridge Island!!

Jim Thresher

We had an excellent experience with Tom Rees at Bainbridge Lending Group. Tom was knowledgeable, professional and very responsive to communication. He helped us navigate a long and exhausting house buying process and made the financial side of things simple and easy to understand. He was able to answer all of our questions and far exceeded our expectations of a loan officer. We will use Tom again in the future and highly recommend him to friends and family!

Jessica Nance

We engaged Tom Rees mid April of 2017 to work on financing options for the purchase of a new home. My family and I were trying to relocate from the San Francisco Bay Area and our purchase was contingent on the sale of our existing home. Tom was very creative in finding a lending solution specific to our situation which gave us the added edge needed to have our offer accepted. Without Tom and the lending option he provided I believe the relocation would not have happened and we would have not found our dream home. Throughout the entire process Tom was readily available to answer any of our questions (even when on vacation), took the time to explain the buying and loan process, and worked seamlessly with our agent. The process from end to end could NOT have gone any smoother. Tom earned 6 stars but unfortunately I can only give 5.

Scott Eriksen

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