About Sam
Proudly serving clients across TX, AL, AR, AZ, CA, FL, GA, IN, KS, KY, MI, MN, NM, NV, OR, PA, TN, VA, WA
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Borrower Testimonials
The communication from Sam and his team was excellent. I always knew exactly what was happening throughout the loan process. Anytime I had a question all I had to do was message Sam and I had an answer immediately. I would definitely recommend Sam.
The help through the process.
Working with Sam at AnnieMac made my refinance experience exceptional from beginning to end. Sam was knowledgeable, responsive, and always took the time to answer my questions and explain every step of the process. He kept me updated throughout the refinance, making everything feel organized and stress-free. I truly appreciated his professionalism...
I was always kept abreast of the progress of the process
Sam is great to work with and has been very patient with my complex situation. He has worked tirelessly to get my loan approved and moving forward towards closing. Would recommend him to anyone that needs help in the refinancing process.
Great communication
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
Communication was quick
Sam and Lisa are super helpful.
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...
Sam always making you aware of what is going on and there to help you with whatever obstacles com s along the
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.
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.
Customer service
This process was long and sometimes very stressful but Sam was very responsive and helpful.
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.
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.
Easy and quick refinance process and very responsive when questions arose.
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.
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.
Sam worked diligently to provide my family with the best rate and refinancing options.
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!
Great experience from beginning to finish.
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