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Proudly serving clients across TX, AL, AR, AZ, CA, FL, GA, IN, KS, KY, MI, MN, NM, NV, OR, PA, TN, VA, WA
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from Encompass Communication was quick AshleyHanover, PA May 21
Communication was quick
Rating: 5.0 out of 5.0 from Encompass Sam was there for every little question I asked. He was pleasant and so caring. I would use him again and I already referred him to my LindaPORT SAINT LUCIE, FL May 19
Sam was there for every little question I asked. He was pleasant and so caring. I would use him again and I already referred him to my
Rating: 5.0 out of 5.0 from Encompass Sam and Lisa are super helpful. MarsiRITZVILLE, WA Apr 07
Sam and Lisa are super helpful.
Rating: 5.0 out of 5.0 from Encompass I explained to Sam what I was wanting to do and very quickly he came back to me with what I was able to do with my situation, debt to income ratio was not good, so we changed the numbers to fit my situation. We started working with the numbers and I mentioned that I would like to raise the loan value and we adjusted the values again and just kept p... Chester O.HACKETT, AR Apr 07
I explained to Sam what I was wanting to do and very quickly he came back to me with what I was able to do with my situation, debt to income ratio was not good, so we changed the numbers to fit my situation. We started working with the numbers and I mentioned that I would like to raise the loan value and we adjusted the values again and just kept p...
Rating: 5.0 out of 5.0 from Encompass Sam always making you aware of what is going on and there to help you with whatever obstacles com s along the JasonWalton, KY Mar 12
Sam always making you aware of what is going on and there to help you with whatever obstacles com s along the
Rating: 5.0 out of 5.0 from Encompass Sam was beyond communicative with me which made me feel comfortable that I knew where things stood throughout the process. I did not feel pressured and he listened to me. DianeBOCA RATON, FL Mar 12
Sam was beyond communicative with me which made me feel comfortable that I knew where things stood throughout the process. I did not feel pressured and he listened to me.
Rating: 5.0 out of 5.0 from Persona migrate verified Communication was great. Sam and Jacqueline kept me informed throughout the entire process. Everyone who was involved with the whole process was friendly and I knew I was in good hands. MarleneSpringfield, OR Dec 01
Communication was great. Sam and Jacqueline kept me informed throughout the entire process. Everyone who was involved with the whole process was friendly and I knew I was in good hands.
Rating: 5.0 out of 5.0 from Persona migrate verified Customer service IvanMemphis, TN Dec 01
Customer service
Rating: 5.0 out of 5.0 from Persona migrate verified This process was long and sometimes very stressful but Sam was very responsive and helpful. StephaniePanama City, FL Dec 01
This process was long and sometimes very stressful but Sam was very responsive and helpful.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam Kay was an absolute pleasure to work with. He was very knowledgeable and thoroughly answered all my questions. Others on the NAF team were very helpful as well. Every single one of my numerous emails were answered right away. They walked me through every step of my refinance process. JimmieWellford, SC Dec 01
Sam Kay was an absolute pleasure to work with. He was very knowledgeable and thoroughly answered all my questions. Others on the NAF team were very helpful as well. Every single one of my numerous emails were answered right away. They walked me through every step of my refinance process.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam answered all my questions clearly and timely. He was able to explain the process in terms I understand without making me feel lost. My emails and texts were answered very quickly and he always has a positive disposition. MargaretATLANTIC BEACH, FL Dec 01
Sam answered all my questions clearly and timely. He was able to explain the process in terms I understand without making me feel lost. My emails and texts were answered very quickly and he always has a positive disposition.
Rating: 5.0 out of 5.0 from Persona migrate verified Easy and quick refinance process and very responsive when questions arose. JessicaClarksville, TN Dec 01
Easy and quick refinance process and very responsive when questions arose.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam is always extremely pleasant and easy to work with. He makes the entire process easy and comfortable. In the future I will always call Sam first when I am looking to refinance my home or take out a loan. DebraMurfreesboro, TN Dec 01
Sam is always extremely pleasant and easy to work with. He makes the entire process easy and comfortable. In the future I will always call Sam first when I am looking to refinance my home or take out a loan.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam is very personable. I canceled the refinance because it did not make economic sense, not a fault of Sam. Sam is very good at his job, the timing was just not right for this refinance. GaryGolden, MO Dec 01
Sam is very personable. I canceled the refinance because it did not make economic sense, not a fault of Sam. Sam is very good at his job, the timing was just not right for this refinance.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam worked diligently to provide my family with the best rate and refinancing options. JenniferHuntington Beach, CA Dec 01
Sam worked diligently to provide my family with the best rate and refinancing options.
Rating: 4.7 out of 5.0 from Persona migrate verified We have a great business relationship with Sam and trust him to give us top notch service. We always have confidence that he will give us the best option that meet our needs. Highly recommend his services! AmelaElk Grove, CA Dec 01
We have a great business relationship with Sam and trust him to give us top notch service. We always have confidence that he will give us the best option that meet our needs. Highly recommend his services!
Rating: 5.0 out of 5.0 from Persona migrate verified Great experience from beginning to finish. MelanieAda, MI Dec 01
Great experience from beginning to finish.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam was great! Very satisfied with my loan and service ShawnMurfreesboro, TN Dec 01
Sam was great! Very satisfied with my loan and service
Rating: 4.7 out of 5.0 from Persona migrate verified Sam Kay was phenomenal to work with and in communicating with me. However, the process from initiating the loan to funding took a lot longer than anticipated (@2mo), and at times I felt the file was worked on when prompted. However, overall it was a Great experience. ErykaRancho Cucamonga, CA Dec 01
Sam Kay was phenomenal to work with and in communicating with me. However, the process from initiating the loan to funding took a lot longer than anticipated (@2mo), and at times I felt the file was worked on when prompted. However, overall it was a Great experience.
Rating: 5.0 out of 5.0 from Persona migrate verified Sam was very friendly, patient, thorough, and professional. I appreciated his attention to detail and ability to effectively explain the process. JavanaColumbia, SC Dec 01
Sam was very friendly, patient, thorough, and professional. I appreciated his attention to detail and ability to effectively explain the process.
Rating: 5.0 out of 5.0 from Persona migrate verified He is the best! Smart, sweet and awesome to work with!!! KrystalCleveland, TN Dec 01
He is the best! Smart, sweet and awesome to work with!!!
Rating: 5.0 out of 5.0 from Persona migrate verified The entire process was very easy and everyone was very friendly JasonOldtown, MD Dec 01
The entire process was very easy and everyone was very friendly
Rating: 5.0 out of 5.0 from Persona migrate verified All the customer service along the way especially with the difference in timezones. Every person that was part of his mortgage team was very helpful and responsive in a timely fashion. Very professional but almost family like. DONALDClyde, MI Dec 01
All the customer service along the way especially with the difference in timezones. Every person that was part of his mortgage team was very helpful and responsive in a timely fashion. Very professional but almost family like.
Rating: 5.0 out of 5.0 from Persona migrate unverified Sam works diligently to get the best for his customers. Jennifer Dec 01
Sam works diligently to get the best for his customers.