L And Z Financial Services - NMLS2309952

Located in Houston, Texas

Address: 2004 Mockingbird Ln, Killeen, TX 76541, United States

Phone: +1 254-589-2964

Rating: 5

Services

Wheelchair-accessible car park
Wheelchair-accessible entrance

Photos

Latest AC Repair Services in Houston

Comments

Review 1 (2025-02-27 - Rating: 5)
I can’t thank Varune enough for helping me and my family get our first home! As a veteran, I honestly didn’t think homeownership was possible due to my credit, but Varune made it happen. He secured me a great rate in this crazy economy and guided me through every step of the process. No matter what questions I had, he was always available by call or text, making sure I felt confident and informed. His dedication and expertise truly made all the difference. If you’re looking for someone who will go above and beyond, Varune is the one to call!

Review 2 (2024-12-19 - Rating: 5)
I had an outstanding experience working with Varune Ramhit at L and Z Financial Services! From the very beginning, he made the mortgage process smooth, transparent, and stress-free. Varune took the time to explain all my options clearly, was incredibly patient with my questions, and always responded promptly. His expertise and dedication made me feel confident that I was in the best hands. Not only did he secure a great rate for me, but he also guided me through every step, ensuring everything closed on time. I couldn’t have asked for a better experience. I highly recommend Varune Ramhit at L and Z Financial Services to anyone in need of mortgage services. Five stars well deserved!

Review 3 (2024-12-18 - Rating: 5)
I am very happy to be in my new home with my family and all thanks to Varune my LO. As a first time home buyer and someone new to the real estate , Varune guided me through the whole process and will even pickup my calls or answer questions I had after office hours which I’m grateful for. I want to say thank you to L and Z financial for their smooth business.

Review 4 (2024-08-13 - Rating: 5)
Varune has been a dream to work with. I couldn’t have asked for a better partner to serve WITH me on my first home purchase. His knowledge, expertise and explanation of every step calmed my nerves. His guidance made the process easy and stress free. Please call him, he is honest and will treat you like he has known you for years from day one! Thank you so much for your help in this process Varune.

Review 5 (2024-11-23 - Rating: 5)
Working with Chris has been phenomenal. Complete transparency throughout the entire process. Does all he can to get you the best possible rates. 100 percent would recommend his services.

Review 6 (2025-01-28 - Rating: 5)
I recently had the pleasure of working with Varune and closed on my house I was so impressed with the quality service I received from him throughout the whole process always available to answer any questions I have and ensure I understood every detail before I signed any document he sent me I could count on him to answer any question I have regardless of the time, making the mortgage process much smoother for me.l highly recommend Varunes services to anyone without a doubt

Review 7 (2024-08-22 - Rating: 5)
L and Z Financial services were very efficient and expedited my loan in within a few weeks. No stress at all appraisals closing all done without much effort on my end. I would definitely recommend L and Z to anyone from buying their first home to investment property.

Review 8 (2024-04-15 - Rating: 5)
Chris and Varune impressed me from beginning until the short end of my new home purchase process… “Ready to close” in ONLY 6 days!!! They were both fully available, friendly and went above and beyond, exceeding all perceived expectations. I highly recommend them for anyone interested in services provided by them. Thanks again guys. I really appreciate you both.

Review 9 (2024-01-21 - Rating: 5)
I recently had the pleasure of working with Varune and I couldnt be more satisfied with the service I received. Varunes exceptional availability, always being responsive regardless of the time, stood out from the beginning. What truly set Varune apart was their willingness to patiently explain complex terms and documents, making the mortgage process much smoother for me. Varune took the time to ensure I understood every detail, fostering confidence and clarity throughout the whole process. I highly recommend Varunes services to anyone.

Review 10 (2023-07-12 - Rating: 5)
Varune was truly excellent to work with! I was the listing agent - and his buyers were using him for their purchase loan. Varune was incredibly knowledgeable, wonderfully communicative, and kept me in the loop throughout the process. I can tell you - this is often not the case, and sincerely appreciated his attention to detail. Hope we are able to work together again very soon! If you need an excellent mortgage broker - contact him!

Review 11 (2024-03-19 - Rating: 5)
Varune!!!! I just love you so much!! ❤️ You are such an amazing broker!! I came to you with little to no knowledge of how to buy a house!!! You held my hand and guided me throughout the entire process!! You are very knowledgeable and you have a way of making people feel comfortable and secure! For any question I had you had an answer for me!! You made my 1st time buying a home flawless!! I literally had no bumps!! The process was SUPER QUICK!!! I Swear we were done in like 2 weeks!! But 14 days to be exact!! I am very happy Rosalind referred me to you and I hope this review will bring a lot others!!! Thank you so much!!! We friends now! 🧡 Lol

Review 12 (2023-07-10 - Rating: 5)
L And Z Financial Services was a great choice we made when it came to financing our first home. Mr. Varune helped me tremendously with understanding all aspects of the loan and was there all along the way and made sure we get the best rate available. He made it a personable experience and the whole journey was expedient and Mr. Varune was always there to answer my calls and gave detailed explanations. As a first-time buyer I had a lot to navigate through but it was made easy with the assistance from Varune and I appreciate it! I will for sure recommend L And Z Financial Services to any family and friend for their home financing and applications. Thank you Varune!

Review 13 (2023-09-01 - Rating: 5)
We had a very pleasant experience with L And Z Financial Services and hats off to Varune Ramhit for spending all the time needed to go through this process with us. Buying our first house was straight forward due to his professionalism and dedication. Always there to provide support and to give as the best and up to date options. I highly recommend!👏

Review 14 (2023-09-06 - Rating: 5)
Varune was a pleasure to work with! I was the real estate agent and he was the lender for a buyer of mine and was able to get them pre-qualified, approved, and closed within 21 days! That was no easy task but he was able to direct them in the right way and get the job done very easily! I’ve worked with many lenders in Bell county and the surrounding areas but Varune has been one of the most easy, honest and helpful lenders I’ve worked with!

Review 15 (2024-08-09 - Rating: 5)
Working with this company has been a great experience my loan officer Varune got me approved and closed on a house in 2 weeks time when the previous bank fell through. Couldn’t have worked with a better agency

Review 16 (2023-12-10 - Rating: 5)
Beat all brokers by more than 1% interest rate. Get things done. Knowledgeable about residential loans whether its VA or conventional. Same for commercial loans. Be prepared for lots of paperwork and signatures but well worth all of it. Very trustworthy which is hard to say about most lenders. Can close in short window of time. Works before and after business hours. Varune will have your back and advise you well.

Review 17 (2023-07-12 - Rating: 5)
Varune was very professional and thorough with my client. Everything was handled with time of the essence. I didnt have to worry about were things being handled. I would contact him and his response would be got it covered. My transaction with him was very easy. I would definitely use him again for my buyers.

Review 18 (2023-06-02 - Rating: 5)
I had the best experience working with Varune Ramhit at L And Z Financial Services for my mortgage loan! Hands down the best Mortgage Agent I have encountered and worked with. He is not afraid to do the work to get you to closing like other lenders. Varune is and will be my number one choice when I upgrade in the future!

Review 19 (2023-02-23 - Rating: 5)
Varune is the best agent ever worked with. He made the whole process of buying my house so easy and smooth. I was out of country during that time and although the hurge time difference he didn’t mind picking up my late calls and answering each of the thousands questions I had(first time buyer 😂). He worked me step by step through the process giving explanation on everything that needed to be done. I would highly recommend him for you all.Thank you Varune

Review 20 (2024-07-06 - Rating: 5)
Varune Ramhit is the best. He is friendly and it is a pleasure for me to work with him. During my journey he helped me through everything and explained everything to me.

Review 21 (2023-11-01 - Rating: 5)
Wow, I cannot say enough about Mr. Varune and L and Z Financial Services. I received exceptional guidance and support as I completed my first real estate investment financing for my first of many investments. I was kept well informed throughout the process and all of my questions were answered right away. I highly recommend L and Z Financial Services.

Review 22 (2022-10-07 - Rating: 5)
Varune Ajay Ramhit from L&Z financial services was extremely helpful to us beyond our expectations to obtain our dream home. He was determined to close despite the roadblocks that came our way. He was communicative,reliable,trustworthy, approachable and very responsive.We recommend him to anyone who is looking for a mortgage loan. We will be definitely using his services in the future.Thank you so much Ajay for all you’ve done for our family!

Review 23 (2022-04-06 - Rating: 5)
We had such a great experience...we could have not asked for more!Our credit was less than optimal, but Varune at L&Z Financial was optimistic that he would find us the right loan and be accepted. He educated us and explained the process and verbiage we did not fully understand along the way. Varune is knowledgeable and eager to meet your needs with confidence and sincerity. He was on top of of everything from day one.We got approved for a loan that met our needs within a week and closed escrow within a month! Incredible!Thank you L&Z financial for all your hard work and outstanding customer service!

Review 24 (2022-11-22 - Rating: 5)
The house buying process can be a wild rollercoaster ride but he made it seem like a brisk walk in the park. Varune continuously looked to make sure I was getting the best rate and deal for my home. Whenever I had a question, concern or issue, he was always available to hear me out and pitch another solution. He even wished me a Happy Birthday during my process, talk about personalized customer service! Definitely will be connecting with Varune for my next property, I HIGHLY recommend you do too.

Review 25 (2023-03-23 - Rating: 5)
Mr Ajay is a warrior. He was more determined to help me get my house than i thought and He was there for me every single time we did everything together from day one. I got the Best interest rate. Definitely recommend to whoever willing to get the best deal. A friend of mine i recommended was so happy to get his house also.Thank you Ajay.

Review 26 (2024-11-20 - Rating: 5)
Chris Pena, helped me out perfectly, always available day or night, seems like a very nice and helpful person.

Review 27 (2023-11-02 - Rating: 5)
This is the process that most find to be intimidating and stressful. Not in my case L and Z made this as seamless has possible. Varune, was extremely communicative and walked us through the process. Which is exactly what I wanted and needed. No surprises at the end. 5 stars all the way.

Review 28 (2022-07-12 - Rating: 5)
*Investor AlertVarune rapidly closed on our investment property. We are so happy with his performance we are giving him all of our business. He is in the process of closing 3 more of our properties.Need a fast lender that can close you super fast? L&Z Financial Service is your single point of contact for all to include LLCs

Review 29 (2022-05-27 - Rating: 5)
Im really grateful with all the help I received. Varun was helping me on every step! From beginning to the end. Thank you for being there for me. On my next purchase I definitely will call Varun again! He deserves my business. Thank you once again.

Review 30 (2023-03-06 - Rating: 5)
This from the very bottom of my heart, Thank you so much Varune for all the help and kindness you showed me during the house buying process. As a new buyer you taught me alot and I will not hesitate to refer more people to you. Be blessed and thanks once again.

Review 31 (2023-01-18 - Rating: 5)
Mr. Varune is an amazing person. He help me out of the way and get things done for me in 2weeks. Would highly recommend him for yall.

Review 32 (2023-05-24 - Rating: 5)
A lot of knowledge on what He do. I had a lot of doubts about my homestead exemption and the better way to refinance my house and He clarify all of them for me. Like I said at the beginning, He has a lot of knowledge and very professional. I recommend it without any doubt!

Review 33 (2023-09-02 - Rating: 5)
Varune provided great service. He was easy to talk to. We needed things to happen quickly and he made it happen.Highly recommend.

Review 34 (2022-06-09 - Rating: 5)
I had a great experience with L and Z Financial Services. Varune is the best! He guided me through every step of the process. I’m so happy with the service I have received!

Review 35 (2024-01-20 - Rating: 5)
The Team was very helpful and professional towards my buying house process.I will definitely recommend them for anyone looking to buy a house quick and well done

Review 36 (2022-10-26 - Rating: 5)
Varune was amazing and he helped me with everything. Very professional and would recommend him to anyone. He made everything very easy.

Review 37 (2022-05-24 - Rating: 5)
This is was definitely and good and fast experience we closed in under 10 days with other lenders It can take up to a month. L and Z financial handled this process very effectively and precisely would definitely recommend to any of my friends or family cause he will get you a better deal and quote hands down.

Review 38 (2022-09-23 - Rating: 5)
Thank you Varune Ramhit. You went Above and Beyond to Get this Done for Us! There were Times I didnt Think it would Happen. But you would Say Dont Worry We will Make it Happen! We would Give you All The Stars, Way More than the 5 Above. You Definitely know What you Are Doing in This Business! I see in the Future Your Name and Face on Billboards around. Just watch and See! My Honey, Jerry Smart Jr says I am psychic, And I see this in The Future for You. We are Forever Grateful for and To You...

Review 39 (2022-11-02 - Rating: 5)
Accurate, reliable, and best of all, professional! I got help with refinancing and everything went smoothly thanks to this company or better to say, thank you Varune for everything!

Review 40 (2023-06-23 - Rating: 5)
The attention was wonderful, he helped us and was always aware of our priorities and needs, I recommend his services 100%. Many thanks for everything

Review 41 (2023-04-20 - Rating: 5)
If you’re a Service Member and trying to get Fast Approval + Need with any Documentation Help, Remember Mr.Ajay is always there to assist!

Review 42 (2024-03-19 - Rating: 5)
Fast and easy to work with.Highly recommended from me.

Review 43 (2024-01-13 - Rating: 5)
Helped me through the whole process! Great service

Review 44 (2022-09-23 - Rating: 5)
If we could give you any more stars then what they have on here then then well give you a 100 plus stars Thanks for everything youve done for me and my wife

Review 45 (2025-03-05 - Rating: 5)
Our family is very pleased with Varune’s services. Since day one he was real and cooperative. He helped us all the way of the process of buying our first house. We highly recommend him all the way. Let him and the experts run your mortgage loan. Great life for him and his family.