“Honesty, Integrity, Skill, Knowledge, and Communication are what I personally base my business on--it's what I feel my clients deserve. It's important to me to be able to recommend my clients to those who impart these same ideals. My experience with ABBA First Mortgage, Inc. has been nothing short of phenomenal--they certainly set the standard for their industry monumentally high!”

Liz Jensen
Prudential Burroughs & Chapin Realty, Inc.
1025-B North Lake Blvd
Carolina Beach, NC 28428
910.367.2168

“I have nothing but praise for your work and helping us refinance our home. Your entire team members are very polite and courteous. You explained to me with patience and in plain language. I like your honesty and you are always eager to help.”

Sharad K.
Charlotte, NC
May '06

“You guys were great and my family and I are very grateful you were able to pull off a miracle at the last minute. Thank you for the great communication and helping set everything up. The closing went very smooth and the attorney was very impressed with the loan (called it very "clean", because there were no additional fees attached).

I will be referring any friends in need of a loan to ABBA. Thank you for being able to work this through with such a difficult economy, and such a difficult buyer.”

Kirk G.
High Point, NC
August '08

“I want to thank you for the excellent service you provided. I appreciate the time you took in explaining me the process, providing me with timely updates and addressing my concerns. There might be other companies who provide competitive rates but it’s the comfort of good service that makes the experience unique especially for a first time buyer like myself. I would certainly recommend your company to anyone who is in need of your services.”

Ketan S.
Morrisville, NC
July '06

“I wanted to follow up and let you know that the closing went well and all went as planned. Thank you for all of your help throughout the process… It was a pleasure to do business with you!”

Mark S.
Wrightsville Beach, NC
May '06

"Just wanted to send you a quick thank you for all of your help in our quest for a mortgage. Your efficient manner was very much appreciated!"

Sara S.
Wilmington, NC

"Thank you very much for all your help in buying our house. It was a little crazy toward the end but ABBA always did everything on time. You also were good advocates for me – which is more than I can say for the other entities involved in the process. I am also happy that you advised me to counteroffer when the house did not appraise. I think I would have figured that out, but your early advice sped things up. We love the house and will definitely recommend you to everyone we know."

Arthur S.
Enka, NC
October '06

"Everything went well. It was a pleasure working with you as well. I sincerely appreciate your thoroughness and professionalism during the entire process. I will definitely refer you to my friends and family. Thank you."

Jim R.
Holly Springs, NC
August '06

"Thanks for your well wishes. Yes, closing went well and we have the keys to the house. Time to begin moving in tomorrow. Thanks for all your help. Everything went so smoothly. Our realtor has your name and may refer some of her clients to you. Everyone is impressed with the interest rate below 6% that we got from ABBA. It will certainly help make our house more affordable for the next 30 years of house payments."

Steve H.
Hendersonville, NC
December '06

"We want to express our thanks to you, Melissa, and all your staff at Abba First for a completely positive experience with our mortgage.
We thank God for you and your business. We closed on Friday. Thanks for your calls and follow-up at every step of the process. Your good faith estimate and APR were exactly as you stated. We look forward to meeting you in person sometime, perhaps on a visit to your area, and we will certainly make sure we tell our friends about you!"

Jack D.
Hickory, NC
November '06

"I cannot thank you two enough for all the work you did to help us close today in the nick of time. I would not be able to recommend another lender more than I will you to anyone who asks for a good lender. Your rates were great but most of all, your customer service is 1st rate. From Rich to Melissa, to Maureen, to Sharon, all of your staff was very friendly and always accessable. I will always include you in any recommendations that I make in the future."

Sean B.
Boone, NC
February '07

"Just got off the phone with Maureen thanking her for her efforts and to let her know the closing went fine despite a few last minute paperwork snags. And to you, a big thanks for your professionalism and your knowledge, as well as your efforts in this journey of mine. This whole process has been quite an experience and I sincerely appreciate your work, as well as your staff’s, in making it a pleasurable one.

As I’ve mentioned before, you have a class A business there, and I consider myself lucky to have been able to do some business with you. Please accept my warmest thanks for everything and I look forward to continued contact as time goes by."

Kevin U.
Wilmington, NC
March '07

"I want to thank you for all of your help in securing my home loan! You were great!! As you know, we were working under a tight timetable and had the holidays to deal with. But through it all, you paid attention to the details and made sure everything went smoothly. I can't thank you enough for all you did. It is such a pleasure to work with a professional who cares about their customer!

I'd gladly recommend ABBA First to everyone and anyone! I can't say enough good things about the quality service and customer care you and the company provide! Unfortunately, it is rare to find quality service these days, and I try to encourage and recognize it whenever I'm fortunate enough to encounter it!"

Ed K.
Holly Springs, NC
January '07

"I have absolutely no problem with you using my testimony. You did the work, you got the best rate, and you deserve the credit.(Thank You) Have interest rates got worse? Everyone I have talked to said I got good rate and had a relatively cheap closing. I will definitely pass your name around when someone wants a mortgage."

Michael A.
Fayetville, NC
April '07

"I just wanted to thank you for the job well done.You had done more than anyone would do to close the loan for my son Andrew and for that I am very grateful to you.You have been so focus and very prompt and efficient in every step you took!

I will and I am sure Andrew will recommend you to anyone we know looking for mortgage for the house."

Lillian L.
Waxhaw, NC
May '07

"We are officially home-owners now! We appreciate so much all that you did for us (along with all the rest of the Abba First Family). You guys were such a pleasure to work with, and we have felt so blessed to have found a company like your's to work with during this very important time in our lives. Thank you so much for everything!!"

Brooke M .
Wilmington, NC
July '07

"It was a pleasure working with you, too.  I have nothing but great things to say about you and the ABBA First folks who helped us get into our new home.  I'd be happy to recommend you to friends and family who are looking for a mortgage broker."

Marty B .
Wilmington, NC
July '07

"Thank you for your prompt and outstanding service... we are very satisfied with your reliable service and will certainly consider hiring your service in the future. Thank you again."

Joo Lee H .
Charlotte, NC
July '07

"Just wanted to say THANK YOU to you, Maureen, and everyone else at ABBA First.  We closed on Friday without any problems.  It was a real pleasure to work with you.  We always felt that you were looking out for our best interests which in today's world can be hard to find. 

It appears the mortgage industry is headed for some tough times and we pray that God will continue to provide you and your company continued success and prosperity.  We will certainly contact you again for any future mortgage needs we may have and we will be glad to recommend your services to family, friends, etc.  Thanks again."

Tim and Sandie H .
Clayton, NC
August '07

"Thank you once again for all that you did to make our closing go smoothly yesterday. I look forward to meeting both you and Rich Sr. if and when you are in the Greenville area. Rest assured, I will gladly refer anyone to Abba First Mortgage!"

Robert W.
Greenville, NC
August '07

"Thanks again so much for your help throughout what proved to be a much more trying process than we imagined (maybe we're a wee bit naive...)

Anyway, we had a three way discussion at the closing between Debra Whaley (atty), Syndie Byrd (agent), and I and I think that you'll find some new clients by way of those two as well... they agreed that it was YOU that made the whole thing come together -- despite appraisals, despite insurance agents, etc.

You can count both Jenn and I as big fans of ABBA First and we'll definitely be back in touch when we have future mortgage needs."

Shane O .
Emerald Isle, NC
September '07

"I was hesitant about dealing with an out of town mortgage broker but the "Doing business His way" slogan led me to your company. I must say, it was a pleasure doing business with ABBA First. I believe that I spoke with all of you at one time or another and each one of you have a "can do" attitude that gave me the confidence I needed that I was dealing with the right company. Your customer focus and communication were superb. This has been a difficult couple of months for me and my family and I appreciate the care and concern I have gotten from your company. Give my thanks to all. "

Andy T.
Matthews, NC
October '07

"I recently refinanced my home through Abba First Mortgage.  They found me a great interest rate with low closing costs.  They held true to their word and provided everything in writing.  They were professional, thorough, efficient, quick and friendly.  For the first time after dealing with several different lenders, I felt as if servicing me was their first priority verses making money from me.  Abba First Mortgage was a blessing to me and I highly recommend them to everyone looking for any form of a home loan.  Thank you Abba First Mortgage... forever a client."

Sandra G .
Mooresville, NC
October '07

"I wanted to again thank you and Rich Jr. for making this process as painless as possible.  From application, to closing, your communication was constant and the information accurate.  I did not have to worry about the competitiveness of my rate, rate lock, or closing on time (which is saying quite a lot, under the current market conditions and while doing this all remotely).  This is the second time I have done business with Abba First, and it probably won’t be the last."

Mark S.
Wrightsville Beach, NC
October '07

"Closed yesterday and everything went well. Just want to let both of you know that it was a pleasure doing business with you. It is so nice to talk to people that are polite and patient - and, best of all, you delivered exactly what you promised, unlike ***. The ironic thing about it is *** used ** as the lender too, and then blamed the additional fees they tried to charge me at closing on them (I refused to sign and lost $725 in attorney's and appraisal fees). So, great job and thanks."

Eric F .
New Bern, NC
November '07

*** Broker name removed
** Lender name removed

"Dear Maureen,  I truly felt that you took a personal interest in me as I sought to obtain a loan for my last (I hope) home.  From my first contact with Rich Jr., I believed that you were a first class operation, and until the very end that was proved out.  Thank you very much and I wish your excellent company, ABBA (which means "Daddy" in the Bible) every blessing and success."

Betty P.
Shelby, NC
December '07

"I just wanted to send you guys a sincere thank you and a very special God bless to Maureen for all of her extra work on her days off to make sure that I got my closing done on time.  I wanted to thank you all for helping me get this caotic experience taken care of with all of the problems the buyers for my house had with their closing and how patient Maureen was with coming in on Friday when she had the day off and finalized my closing. I just wanted to let you know that my closing attorney was very impressed with the loan and he actually said that I got a great deal with the rate and closing costs and that he hadn't seen one this good in a long while (He's been doing real estate for over 30 years).  I do plan on referring friends and family to you and thank you again."

Donovan S .
Canton, NC
December '07

"Not that I ever doubted you, we received the check yesterday... we got a good interest rate on the mortgage, and the service was first rate. Everything was done efficiently and in timely manner. Whenever we need mortagage related services in future, we are sure to contact you first and we will also wholeheartedly recommend ABBA First Mortgage to our friends. Thanks and have a prosperous and happy new year!"

Vivek and Nidhi S.
Morrisville, NC
December '07

"Thank you very much! Everything went great today. We were very pleased with the entire process. Given that this is our fourth closing since 1991, we consider ourselves "veterans" of the process. ABBA First Mortgage was by far the easiest, most professional, and trust inspiring mortgage company we have worked with in the past 17 years. I am so glad we were able to connect with you, and you will always be the first mortgage broker that we will recommend to friends and family. Please feel free to use our comments as a testimonial.

P.S. I was just sitting down to the computer to compose a letter requesting the property appraisal when I read your e-mail! Thanks again for anticipating our needs!"

Guy and Leslie S .
Canton, NC
January '08

"The closing went very smoothly as did the entire process. My attorney also commented on what a pleasure it was working with you and I agree with her. I would not hesitate to recommend Abbafirst. All the best to you and Rich in the New Year!!"

Peggy C.
Wilmington, NC
January '08

"We are both very pleased with the outcome and savings of our refinance. I think the process was extremely smooth and I was very happy to save on the typical $400 appraisal fee. Very rarely do costs come in under budget! It was great to close on time, with absolutely no setbacks or problems whatsoever during the process. We are also very appreciative of Rich's work with the lender to get our rate reduced when rates dropped. Overall, the process was exactly what you would hope for, smooth and easy!"

Sarah W .
Charlotte, NC
January '08

"We are very much enjoying our new home with a huge thank you to you, Missy and the rest of your staff.  The closing process, from the application process through the closing, went very smoothly and without any hiccups.  Everything you told me that would happen, did.  I have and will continue to recommend you and Abba First to anyone I know that needs a mortgage financing.  You provided a wonderful personable service with high integrity.  Thank you again!"

Scott H.
Fayetteville, NC
January '08

"I wanted to send a note to thank you for helping us with our refinance.  We received our money from our old escrow account today, and we had already received the packet from **.  Thank you for getting everything done so quickly!  We'll definitely recommend Abba First to our friends! "

Rebecca & Chris H .
Cary, NC
February '08

** Lender name removed

"I would like to thank you for all of your help in refinancing my loan. Even with the new lending requirements, you folks made everything as easy as possible. I think you did a superb job and I would not hesitate to refer you to family, friends and my real estate clients. Many thanks."

Gloria P.
Matthews, NC
February '08

"I have found your efforts and service exemplary throughout all of our transactions--truly unusual in its courtesy, efficiency, speed, and sensitivity to clients' needs. At all times ABBA representatives were thinking ahead to provide beyond-the-call attention. Certainly Rich's re-negotiation of a better interest rate after we had locked in is an excellent example of what I mean. I cannot think of many agencies that would go to the extra trouble--the work was done, many might have said. 
But not Rich--a man who absolutely sets a tone at ABBA for putting the client first. 
 
In short: I can recommend ABBA First Mortgage without reservation. Thanks for everything."

Robert Y .
Asheville, NC
March '08

"Everything was great. I have already made several referrals with highest recommendations for your assistance. Your help in securing a great interest rate will definitely affect our future. We are most appreciative. Thanks so much.. will not hesitate to sing your praises!!!"

Beth J.
Wilmington, NC
April '08

"My loan is finally closed and I have received the final check from **. I want to take this opportunity to recognize Theo for his professional and courteous manner in which he handled all the little demands being put forth by the bank after the closing. He was always responsive, timely and very polite which sisignificantly reduced the annoying parts of refinancing.
You can count me in as a positive reference for your company."

Amer M .
Morrisville, NC
April '08

** Lender name removed

"I would like to thank Missy and Rich Jr. for their outstanding support, expertise and the professional manner in which they handled my loan. My experience with AbbaFirst has been nothing less than excellent and I would highly recommend them to anyone seeking referral. I am very appreciative that I have experienced their “Golden Rule” mission statement being applied in daily business; thank you for treating me with the care and consideration that you would want in return.  You truly honor a higher standard of business practice, and it hasn’t gone unnoticed."

Danny S.
Rutherfordton, NC
June '08

"Our closing went so smoothly, it was unbelievable! Everything Rich Jr. said was true, including the closing fees. We have always used ** in the past, but they couldn't compete with Abba First Mortgage. It was a pleasure working with you and Maureen also. Thank you very much. We will definitely refer others to your firm."

Maria & Joe W.
Raleigh, NC
June '08

** Lender name removed

"Thanks so much for all your hard work!  I appreciate your professionalism and patience. Communication was always prompt and courteous.  I wouldn't hesitate to recommend your company to friends and family."

Erin M.
Gallatin, TN
July '08

"Rich, I'm delighted with all of your efforts and early advice and let me tell you Kaitlyn is a Superwoman!

Though I never doubted the outcome with that loan/value ratio, I was nervous that I had given up that secure mortgage with people I know to save a few thousand, but very glad I did.

I"m sure I was a pain to Kaitlyn, just making sure I could get this done by the end of the month, but she was as professional as I've ever seen.

Your efforts and service are unparalled in my experience, and I've done several hundred closings and a few involving myself. I used to live in the "mortgage broker" world as I had best friends who were mortgage brokers in Augusta, Ga, and Columbia, SC and my exwife was a loan officer for Hootie Johnson, early in his days with Bankers Trust (before he took over Augusta National).

I've picked up the statement and everything looks great. We'll sign everything Monday afternoon and Sharyn in Buck Adams office will wire funds to my account as soon as the rescission period is over. I"ll call you guys after all that to say thanks again.

Let me know if I can ever provide a reference."

Robert W.
Pinehurst, NC
July '08

"I would like to thank you and Rich Sr. for your effort in providing a mortgage for us. You provided me with valuable insight concerning the loan process. You also put customer service first, by taking the time to pick up all of my phone calls.

I hope to be in touch in the near future, and will highly recommend your firm to those with mortgage financing needs in your area."

Keith A.
Charlotte, NC
July '08

"Just a short email to let you know the closing went smoothly on Thursday. This was a difficult loan process for me due to the amount of paperwork now required by the lenders. I wanted to thank your company, Skip, and to especially thank Kaitlyn for the assistance she provided. She understood my frustration with the process and spent the extra time necessary to ensure everything was correct.

Thank you again for your support and I will pass your company's name to others who might be purchasing a house in the near future."

Jeffrey C.
Cary, NC
August '08

"Before anything I would like to say thank you, the closing went smooth without any troubles and fast and painless for lack of better word!

Please let the whole crew that we are deeply thankful for the great job you've done. Definitely we will pass the word about you guys with family and friends, once again thanks."

Ulysses G.
Apex, NC
August '08

"Smooth as silk!  The e-signing is new for me, but the atty did a good job explaining everything. Thanks for making this go so well!"

Nellie Lytvinenko
McHugh & Associates Realty
119 Summer Lakes Dr
Cary, North Carolina 27513
919.367.0056

"I've only been through the mortgage process four times in my life, but I can easily say that this was the most smooth and pleasant. Between Missy, Skip and you I felt like I was the only customer you were dealing with. The quick response times I received for emails and phone calls are unheard of in this day and age. I look forward to referring all of my friends and family to ABBA First. "

Scott N.
Raleigh, NC
August '08

"I would like to thank you and Abba First for a job well done. Your professionalism and ability to meet a quick turnaround time allowed my family and I to continue through our daily routines with minimal disruption and saved us from paying an additional month’s rent on the apartment my Mother had been staying in."

Steve E.
US Army Special Operations Command
Fayetville, NC
August '08

"I could not have asked anyone to be any more helpful than you have been. That has been one of the most pleasant things about this whole closing from beginning to end. You really helped me and I appreciate it very much. I wish everyone would do their job when working with buyers or sellers. It would sure take the pressure off of others. Thank you again. Hope we get to work together again in the future."

Pat Boykin
RCA Realty
1402 North Wallace Street
Wallace, North Carolina 28466
910.285.7454
www.rcarealty.com

"Thanks, Rich Sr.  I appreciate everything you did to make this happen so quickly.  Everything went smoothly at closing.  Great rate and great service from you, indeed."

David S.
Charlotte, NC
September '08

"I just wanted to take a moment to thank you.

I do appreciate the amount of work and time that you put forth in making my loan approval and signing process as smooth as possible. I imagine there is a significant increase in material needed for interaction between banks and personal lines of credit due to recent changes in the economy.

Your frequent correspondence kept me informed and feeling secure in my choice to use ABBA First Mortgage. There were no surprises due to the friendly interaction and willingness to answer my questions along the way.

I know your success will continue as determined by the characteristics above that you excel at. Thanks again for your time and services."

Brette W.
Mooresville, NC
October '08

"Thanks very much for a very smooth, professional transaction. I wouldn’t hesitate to refer Abba to anyone-you guys did a great job!"

Rocco N. Tatasciore
President
Principal Wealth Solutions, LLC
555 Second Avenue G-250
Collegeville, PA 19426
610.409.0630 ext 111
www.principalwealthsolutions.com

"Kaitlyn, you were wonderful to work with! The whole ABBA Team is quite something. . . . real
understanding people. I'm not the quickest knife in the drawer, yet you always showed
patience toward me and helped me understand issues and missions clearly. You all
have great warm humanity and quick-witted humor. . . .even when I was coocoo-nuts!!!"

Greg H.
High Point, NC
October '08

""Maureen, you and Rich made this almost painless in spite of my insecurities about rates, the market, etc. As one mother to another, you raised a fine son and I know you are proud of him. You were both professional as well as personable. I would not hesitate to recommend you to family and friends and will certainly keep you in mind. I had a friend who is a foreclosure attorney in Atlanta look over my paperwork, and he pronounced it well done and even commented that you were able to get me the best interest rate he has seen recently. The loan is closed and we are very pleased with our experience at AbbaFirst!"

Valerie B.
Ooltewah, TN
October '08

"We just returned from settlement and we were very happy the way everything went. I was talking up ABBA to the lawyer and our real estate agent. You did a great job. I remarked to my small audience how rare it is that a business delivers exactly what they said they would. We will be glad to pass along the ABBA name to people we come across. I can't be more pleased with the relationship we formed and how effortless the process was for me. That's my feedback. Best of luck in the future. "

Allen S.
Pinehurst, NC
January '09

"We closed on our loan last night.  Everything went really smooth.  Just wanted to thank you and your staff for everything.  You have really helped us out these last couple of years in both securing our home and refinancing our loans.  It is such a relief, especially in these crazy economic times, to have someone working for you that you have complete trust and confidence in."

Phil B.
Leland, NC
February '09

"Thank you again for following up on this and for your great service throughout the process. Everything went smoothly this morning and Dan just followed me to the bank so I could take care of the check right away. We are pleased that we can recommend you without any reservations to our friends, and have already given one recommendation to someone at church. I can only imagine what a crazy time this is for you (as evidenced by your email reply at 11:15 pm), so we thank you for making the process seem so easy and for taking the time to answer all our questions along the way."

Betsy L.
Matthews, NC
February '09

"On behalf of Jason and myself, I want to thank you and your ABBA First family for your patience and guidance through this often confusing process. In the midst of doom and gloom news reports we rested in the confidence that ABBA First had our best interests at heart. Your willingness to explain the ins and outs of the mortgage jungle time and time again was always appreciated and set you apart from other companies.

Thank you for all your help and generosity with your time and experience. We have already recommended ABBA First a number of times and will continue to do so."

Jada A.
Wilmington, NC
February '09

"Thank you so much for all your hard work! The closing was fine-I can't get over how fast and easy it was! This process sure had changed! Thanks again for all you did."

Bernadette W.
Huntersville, NC
March '09

"Thanks for your help in working through this process.  ABBA First really has done a great job in servicing our refinance desires!"

Mark M.
Knoxville, TN
April '09

"Once again, you and your staff have made what can be an arduous process, painless and trouble free. This is the second time we have used Abba First, and each time I am more impressed with the honesty and integrity with which you and your staff operate. From the start it was clear that you had our best interest at heart and treated us like family.

I will not hesitate to use you again should the need arise, and highly recommend you to all our friends."

Kevin & Wanda R.
Knoxville, TN
April '09

"Thank you very much for an efficient and painless process. I believe you got us a great rate for no points and we appreciated that there were no surprises in the fees at closing or anything untoward at any stage. We will definitely recommend you to our friends. Thanks for your patience with our questions, especially mine."

Rama & Shankari Vetury
Charlotte, NC
April '09

"We just got back from the closing. Everything went well. A rep from ** was there to do the electronic filing of the documents and we already have our pdf of the closing documents. As my son would say, SWEET!

Like last time, Abba First has done an excellent job. Mr. Marks was amazed at how fast the loan approval was completed. He is need of a refinance and we highly recommended you! I cannot think of anything I would change or how you could improve. Of course, you will always be on the top of our list for referrals to family and friends.

Please feel free to share these comments on your website. Thanks again and please thank all the staff at Abba First!"

Guy S .
Greensboro, NC
May '09

** Lender name removed

"Thank you for your assistance in processing my mortgage loan. You were so kind to me. You were wonderful to work with. I appreciate that every time I called you, if you were busy, you called me back promptly. I would highly recommend ABBA First. I really felt like you had my best interest at heart. Thanks again, Theo.

P.S. The closing process also went very well. The ladies were very professional and nice to work with."

Faye S.
Knoxville, TN
May '09

"I have already recommended ABBA First to my parents who are looking to refinance their house.  I couldn't be happier with the cost and integrity of ABBA First.  I wish I had discovered you guys when I first purchased our house a year and a half ago.  It would have saved us over $3,000.00 in closing costs.

I know I was brusque at times, but Rich Sr. and Kaitlyn took it in stride and were always courteous and professional throughout the process.

I will definitely use ABBA First again. "

Paul Hester
Knoxville, TN
June '09

"We would like to thank each of you for your help in our mortgage refinance. It was virtually painless on our end (don't know that you could say the same with the quantity you are processing) but we are very thankful that you were able to get everything ready and out in time for us to take advantage of the low rate window.

I really have no comments for improvement. You always responded quickly to questions, either by email or phone, updated rates were usually posted daily and your online process worked very well for our busy schedule.

Realizing we could not expect you to contact us each time the rates fluctuated, we kept an eye on it our rate options pretty much daily, and when we thought it was time, Rich Sr. was there to get us locked in. I must say though that Rich Sr. was excellent in his predictions on what was coming with the rates. His advise re-enforced our need to stay on top of the rate flux.

Thanks for all of your help!! We will certainly recommend you to anyone looking for a mortgage company....And we hope to see you again soon."

Steve & Mary Strothmann
Cary, NC
June '09

"Just wanted to let you know that the closing went well and what a pleasure it was to deal with Karen and your organization. Also, in addition to your competitive rates, what influenced me to choose ABBA was your reference to "Him" in your newspaper rate quotes. In todays atmosphere of political correctness, it is refreshing to see someone whom stands by their convictions."

Ken Danton
Lenoir City, TN
June '09

"I want you and your company to know that you were an absolute delight to work with throughout our recent refinance. You made the process simple and your attention to detail and follow-up is commendable. Please know that I will certainly refer you to others and if we are in need of mortgage services in the future, you will be the first person I contact. Thank you for your professionalism and your efforts on our behalf."

Pam S.
Charlotte, NC
August '09

"Thanks for your note Karen. We found the entire refinancing process to be quite simple and we were pleased with how quickly it went. Thank you for working with us to make it possible, and please convey our thanks to Rich Jr."

Mark E.
Huntersville, NC
September '09

"I know its been a couple of weeks now and I have been meaning to get in touch with you regarding our refinance. I just wanted to thank you for all of your hard work and patience in getting this done. My wife and I agreed that this was one of the smoothest, most hassle free closings we have ever been through. Everything worked out just as you said it would. That's pretty amazing when there are so many things that can go wrong during the process! Just today, the payment coupon for November and a check for $25 dollars (apparently, the appraisal ended up costing less than planned) arrived in the mail.

On a personal note, I wanted to let you know how important it was to Linda and I to get this done (and not just from a financial perspective). At the beginning of August (the same day I started my new job, actually) I was diagnosed with melanoma. The initial prognosis wasn't very promising, but surgery was successful and right now I am clear of any cancer. It may come back, but things right now are looking very good. It took a while to get appointments scheduled and surgery done, so having something like a mortgage refinance go smoothly amid a lot of uncertainty was definitely a blessing. Thanks again for everything."

Lynn Fabian
Business Analyst
Evergreen Investments
704-715-2297
September '09

"Everything went fine at closing. You were a pleasure to work with, very responsive and answered all my questions. I'll definitely refer your name to my friends, family, and colleagues. Thanks for all your help Eric and tell your boss u deserve a raise : )"

Ardra K.
Raleigh, NC
October '09

"Rich and Liz, Brian and I wanted to again say Thank You to everyone at AbbaFirst Mortgage for making our refinance very easy for our family. We appreciate very much the time you both spent in explaining each step of the process to us. The rate was excellent as was the short time it took to close the loan. We have recommended you to our neighbors and will continue to do so. We trust you and feel that you truly have our best interests in mind. Thank you again."

Brian and Tracy A.
Matthews, NC
November '09

"The closing on friday was extremely smooth. A Great rate, and the most competitive closing costs among a number of brokers. Thank You both for your efforts and patience on our behalf. I will recommend ABBA First to anyone I hear looking for a mortgage or refinancing."

Thomas H.
Hampstead, NC
February '10

"I just wanted to let you know that the closing was done yesterday. Everything went smooth. I am glad that you were available to help me. Thank you and Liz for doing a job neatly done."

Muhammad I .
Lenoir City, TN
February '10

"I just wanted to thank you both for your effort in my home purchase. I finally closed on Monday. My interaction with you has always been pleasurable and you both have been a big help throughout this process. I'm looking forward to settling into my new home and I couldn't have done without you."

David W.
Powell, TN
April '10

"Thank you very much for all you have done for our loan! It is very pleasure to work with you too. We will definately use you again and recommend you to others."

Brent and Hong Baker
Hendersonville, TN
July '10

"Thank you very much for the help in preparing the mortgage for us, and it was a pleasure to work with you guys. I will definitely recommend my friends to check with you guys if they come to the point of purchasing a new home."

Xiaoguang Sun
Knoxville, TN
July '10

"Everything went smoothly with our mortgage and there were no surprises! We appreciate being able to view the closing documents prior to closing. This helped us "digest" everything the day before closing. The fees were as you said they would be and that means a lot in terms of your integrity.

Thank you for your help and getting us to closing within our time frame and with fees as originally promised."

Leo S.
Dandridge, TN
July '10

"I chose ABBA because your ad said you do business "His Way." As far as I am concerned you lived up to that."

John C.
Sweetwater, TN
August '10

"This re-finance was the easiest loan we’ve ever done, and we’ve bought and sold a lot of homes!!! Thanks again for your help..."

Hope N.
Advance, NC
September '10

"Thanks for everything, closing went smooth no issues.

My over all experience was good. Whole process took more time than I expected but in end every thing was ok.

I have already referred friends to ABBA and will continue."

Bhupesh P .
Charlotte, NC
October '10

"Let me begin by thanking all of you for your support and excellent service during Sanders Refinance III with AbbaFirst. Like the two previous loans, my wife and I were thoroughly impressed by your professionalism and care. As we tell our friends, a new home or refinance can often be compared to a trip to the dentist. Something that you need to do, but that is not something you really look forward to doing. AbbaFirst has not only made the process painless from beginning to end, you do it with a personal touch that is often rare in an impersonal world. It is a tribute to your level of service that when I first contacted Rich Jr. and he told me that you were not taking on any new clients, we decided to wait until AbbaFirst was ready rather than seek out a new mortgage broker. Our patience paid off, we got great service and a great rate."

Guy S.
Greensboro, NC
September '10

"The closing went smoothly, which was a welcomed experience after what it took to get there.

I was more than pleased with Abba First Mortgage handling this transaction on my behalf.

Rich Sr.-such a pleasure. He was knowledgeable, friendly, kind and patient with me. He answered all of my questions and always took time to make sure that I was comfortable with all of the information and the situation. Always a positive experience in dealing with him. Thank you so much Rich.

Maureen-what can I say. You have seen me at my worst and dealt with me like a consummate professional. You always had my best interest in mind and went above and beyond to help me thru the tribulations of getting the” Chase” situation handled. I do apologize for my frustration, attitude, and less than polite phone manner. Your continued support and faith that it would all work out really helped me.

I can honestly say that in business today, this level of customer service is not the “norm” that I experience. Most companies will never go the extra mile to help a customer achieve what needs to be done, even when they have acted incorrectly.

Again, thank you, and I will most definitely recommend your services to family and friends!"

Elaine Wright
High Point, NC
Pace Communications
Marketing Manager
336-389-4728
November '10

"Aside from the bank taking so long to approve the loan, this was a rather painless process. The ABBA staff and management were polite, professional, responsive, timely and knowledgeable of their assigned responsibilities. I have no problem recommending friends and family to ABBA for mortgage financing services. "

David G.
Vonore, TN
November '10

"My experience with Abba First was terrific. You all did exactly as I asked and at a year-end rush. Thank you so much for your patience, professionalism and diligence at sticking to getting the work done when we were up in the air about the particular property we were closing on and the associated appraisal.

You all are the best!!!

Blessings to you and yours and may you have a wonderful Merry Christmas. Please thank Joni, Eric and the entire team that worked on our closing!"

Dave Anderson
Director of Rescue
Dawson McAllister Association
TheHopeLine.com
December '10

"The closing went very, very smoothly. Dianne and I have been very pleased with the service that you and your staff provided during this process. Thank you both for the professional and quality service that you provided. If we have need for any additional mortgage financing needs in the future, we will certainly return to use ABBA First Mortgage. Thanks again. Have a wonderful week and very Happy New Year"

Tim S.
Knoxville, TN
December '10

"Actually, I was going to send you guys a "Thank You Very Much",! I was pleasantly suprised how smooth everything went with Tina at the closing. I am sorry about the trouble I had with getting the paperwork to you but once you get all the stuff, it was wham bam! So thanks again for the help, take care and best of luck in the future."

Chris B.
Jamestown, NC
January '11

"I just wanted to take a minute to thank you for the outstanding manor in
which the recent refinance of my home was handled. From the beginning, I
felt at ease dealing with Eric. Wading through the myriad of mortgage offers
that are available both locally and on the Internet can be a daunting
proposition for one not in the business. Eric was straightforward and took
the time to talk with me about my options, as well as share his opinions of
current market trends. When it came time to make a decision who I would
trust to handle my refinance, there were several very competitive options.
The difference for me was the personal service that I felt like I could
count on from Abba First Mortgage. As the loan process moved forward, I had
a chance to work with several of the Abba First Mortgage staff. Joni,
Tiffani, and Maureen were all very professional in their roles, and inspired
confidence that the various elements of my transaction were being handled by
a company that was at ease handling the details.

As my closing date approached, my family received some bad news. We had an
unexpected death in the family that would necessitate our leaving town for a
few days. Although there is never a good time to receive this kind of news,
this was particularly concerning as my mortgage rate lock was set to expire
while we were away. Maureen couldn't have been more understanding, and made
it clear immediately that Abba First would do whatever was necessary to
protect my rate until we could get back in town and complete our closing.
As a Christian family with one daughter in a private Christian high school,
and another in a private Christian college, I took note that Maureen
sincerely let me know that they are a praying company, and that they would
be praying for our family during a difficult time.

Suffice it to say that I will gladly recommend Abba First Mortgage to all of
my friends and family! If I can ever be of assistance as a reference, it
would be my pleasure to speak with anyone considering your outstanding
company to handle their financing needs. Thank you again, and God Bless!"

Grant M .
Knoxville, TN
February '11

"I want to thank Rich Jr. and the ABBA team for working on the refinancing of our first mortgage to get us the best loan rate possible while minimizing our out-of-pocket costs.  Rich Jr. and everyone else at ABBA was always courteous and patient.   We especially appreciated ABBA Mortgage working with the closing company who had made a mistake transferring our home equity loan.  At the end of the day, we obtained an excellent loan, at a very good rate, with our home equity loan still in place.   Thanks ABBA Mortgage!"

Bill and Ellen Hanson
McClean, VA
May '11

"Our closing went smoothly and we’ve all been busy trying to get the house ready to move in.

I found the whole loan process very smooth. As someone who opted to wait on locking in my rate, I found your policy of publishing rates online to be very helpful, and gave me confidence that I was getting the absolute lowest in the market.

Thanks again for all your support."

Joe M.
Raleigh, NC
May '11

"The closing went great.

I really enjoyed the whole process with you all. I went through about 9 loans in my lifetime and this was the best experience I ever had."

Manuel S.
Knoxville, TN
June '11

"Thanks very much for all your help. The closing went smoothly, and I assume all is in order to be finalized on Tuesday. You all were extremely helpful in getting this loan closed, given all the hoops the government has even the most qualified borrowers go through these days. I will be sure to recommend you to anyone I know who is interested in obtaining or refinancing a mortgage."

Margery M.
Amissville, VA
September '11

"This was our 3rd finance or re-finance through ABBA First. Katherine and I could not be more pleased with the process and the ABBA team's effort on our behalf. To say that we have come to trust ABBA First when it comes to our mortgage needs is an understatement. We don't even think about working with anyone else. As you know, we are now sending our friends to ABBA First.

A special thanks as always to Rich Sr and let him know Joni Anderson was particularly pleasant to work with.

Thank You."

Shaun M.
Advance, NC
November '11

"Yes, I think everything went well last night. Everything seemed pretty straightforward, except I did need to call Rich one time to clarify something on the HUD. It's not as clear as it used to be, but the bottom line was just fine. I appreciate everything AbbaFirst has done to keep us involved in the process and informed; when there are changes to the process and confusing new forms, communication is key. I used AbbaFirst again because we had a positive experience last time with Theo, and I had recommended you to my sister as well. I believe Rich is helping her refi as well, despite trying challenges with their appraisal.

I will definitely recommend your company to others. I wish you a very Merry Christmas and Happy New Year, and look forward to talking with you again soon."

Wendy N.
Stanley, NC
December '11

"Thanks so much for all of your help leading up to yesterdays refinance, and the one the year before that, and another refinance the year before that. And I'm still greatful for your help on the loan when I purchased my home in 2008. By my count I've closed 4 times in 40 months, saved money and felt great about it every time. I tell all of my friends and family that I can't afford to NOT ABBA First!"

Scott N.
Raleigh, NC
December '11

"Your rates are unbeatable and I feel like a part of the family when I talk with Rich Sr. He and I have shared personal discussion about life experiences and he has been very kind throughout our dealings. And you, with all the stress you are under getting last-minutes things done to close, are always kind and courteous. You have wonderful customer service for being in a stressful situation.

I would recommend you to anyone refinancing a loan or getting a new loan."

Sean B.
Boone, NC
December '11