We found Kelly to be thorough and efficient. With minor work on our part, he brought the mortgage to a quick and successful conclusion. A very personable gentleman, we would definitely use Kelly’s services again if the need arose.
I would like to take this opportunity to thank Kelly for his wonderful support of us in processing our loan. We were selling our house and buying a house on the same day. Kelly did a great job in making that happen. He was really patient enough to hear and answer all my questions. I had really great experience with Lincoln Lending!
Lincoln Lending walked us through the ups and downs of our loan process. They did this with expert advice, wise counsel, and a positive attitude. I would highly recommend them to anyone walking through the mortgage process.
My husband and I used Kelly with a refinance. The rates were great and the service was excellent. We preferred working with a mortgage broker, rather than a bank, because of the personal relationship that we developed. Kelly knew us. He knew our story. When I see ads for refi’s, I still call or email him for reassurance that my loan is healthy. When someone mentions home loans, to this day, I refer friends or family his way.
Kelly was awesome! He was eager to help and answered all our questions; he went the extra mile to do whatever was necessary to help make the purchase of our home as easy as possible. He went above and beyond and made us feel like one of the family. He is a down-to-earth guy and never made us feel like we were a nuisance, but we instead felt like very important people. He and his wife are both super people; they showed up at the closing of our home with housewarming gifts and seemed genuinely excited for us. I can’t say enough how we both enjoyed dealing with both of them!
I was impressed years ago when I called Kelly to get an idea on what we approved for, as our house hunt was just beginning. He won us over on that call. Since then we have called him for every house loan and sent friends and family to him! It means a great deal to know all of us are taken care of rather than taken advantage of! He explained everything in terms we understood, and he was honest and helpful. He doesn’t make anyone feel bad about their credit, and often tells potential buyers how to bring up their credit score! His wife Sara is a gem and keeps everything moving; she is every bit as helpful and nice as Kelly. They are wonderful people outside of work as well! We will never refinance or buy a home without that powerhouse couple! It would be a great service to anyone in the market to buy, or refinance, or thinking of buying soon, to call them! They will get the ball rolling, help you get your credit where it needs to be, and make sure everything is in line to give you the best loan possible. It’s a big commitment, but with them at your side it’s not so scary!!
For anyone considering a mortgage loan, I highly recommend working with Kelly Pensoneau. Here’s why: I began working with Kelly about 4 years before we settled on a house we liked and commenced the mortgage loan application process. During that period, he consistently returned my phone calls or emails, listened to our offer proposals, consulted with our realtor, and provided pre-qualification letters when needed. What has impressed me most was that he had a grasp of the how the system worked and understood our financial status and the ratios. He is an exceptional lender because he not only talked about the numbers and ratios, he listened to our story. Kelly handled our loan application and processing with the utmost professionalism. He was always proactive with communicating the status of the loan application process. More importantly, he would explain, in plain English, the need for personal or financial data. He also took time from his vacation to ensure our final closing was completed on a timely basis. I tried other mortgage lenders, but none could compare with Kelly’s insight and interpersonal skills. After such a long period of time, I never felt any pressure from him to close just to meet someone else’s agenda. Kelly is diligent, professional, personable, and will advocate for you throughout the process. Please give him the opportunity to demonstrate how a rational mortgage loan process would work.