Competitive Home Lending

Located in Houston, Texas

Address: 450 Century Pkwy Suite 250, Allen, TX 75013, United States

Phone: +1 214-396-7761

Rating: 4.9

Services

Wheelchair-accessible car park
Wheelchair-accessible entrance

Photos

Latest AC Repair Services in Houston

Comments

Review 1 (2024-08-26 - Rating: 5)
I had the pleasure of working with Raul during a recent loan process, and I couldn’t be more impressed. From start to finish, Raul was incredibly communicative and resourceful. He kept me informed every step of the way and was always available to answer questions or provide guidance. His expertise and proactive approach made the entire process smooth and stress-free. Highly recommend Raul for anyone seeking a knowledgeable and dedicated loan officer!

Review 2 (2024-08-07 - Rating: 5)
Raul and his team got my client the clear to close in just 2.5 weeks! Outstanding job with constant communication throughout the entire process. If youre looking for a lender who secures the best rates, communicates well, and ensures you get to the closing table on time, than call CHL today.

Review 3 (2023-11-29 - Rating: 5)
Raul was referred to us by our realtor and I am so thankful he was. Absolutely amazing service and knowledge. We wouldnt have been able to make this happen without him. I would recommend all family and friends to use Raul and their company. He is very responsive and takes the time to explain things to you, which as a young buyer was Absolutely amazing. I never felt rushed and he presented every option imaginable to meet our needs. I wish there were more people like him out there in the business. Thank you to the whole team there for making us feel like their only customer!

Review 4 (2022-12-18 - Rating: 5)
Raul and Emily are simply the best! Truly amazed at how quick and smooth the process was. Would definitely recommend. Raul takes his time to explain all options available and made sure I understood everything. Will definitely be back for my next home purchase or refinance.

Review 5 (2022-01-05 - Rating: 5)
I had the best experience both times Ive used Competitive Home Lending with my VA and my conventional mortgages transactions. Raul and Emily made everything easy for me and they are very quick to response and they are always available when I have questions. Theyre very professional and very personable which made it even more pleasant experience. I normally use my bank for mortgage needs but Competitive Home Lending found me the best rate that I didnt think I could get. I highly recommend going through them for VA or conventional mortgage needs. Thank you so much Raul and Emily!

Review 6 (2024-08-15 - Rating: 5)
Raul was awesome to work with. He answered all of our questions promptly and we are pleased with the CHL experience overall.

Review 7 (2024-01-31 - Rating: 5)
Raul and Emily at CHL lending are a one-two punch of rockstar talent. They made everything about my process incredibly easy, even if I did have a bit of a financial background to boot. They were leagues ahead of any other lender I ever dealt with in terms of both Rate & Term, and most of all convenience and ease to work with. I have referred my Realtor to CHL for the purposes of introducing more clientele to their pipeline, and have also introduced them to a few of my colleagues who will also soon be making the move down to the DFW area in the not-too-distant future. I could not publicly recommend CHL 6 or more stars, but if I could, I certainly would have in a heartbeat.

Review 8 (2022-06-21 - Rating: 5)
Raul and his team were amazing. This was my first time going through the home buying process and Raul really did take the time to explain the process from the lending aspect. Everyone was professional, knowledgable, and patient with me as I asked questions or for clarification whenever I felt unsure. They were quick to respond and were always kind. I appreciated the consistent communication and their affirmation that I was on track to close on time. With any obstacle I faced, they were happy to assist to ensure we could keep moving forward. I am thankful that they were there every step of the way.

Review 9 (2022-08-01 - Rating: 5)
I couldn’t give Raul And Emily a higher recommendation. Raul took many hours explaining to me all the different options that were out there that worked best for my needs . He was kind, patient and so knowledgeable. Emily was diligent razor focused and able to process the loan quickly . I am so pleased that I got to know and work with both of them . I will certainly be keeping them in my contacts and Recommending them to anyone looking for a morgage or a refinance loan .

Review 10 (2016-07-21 - Rating: 5)
Raul and Emily were excellent to work with. They made the entire loan process very painless and easy. Raul is very knowledgeable and can walk you through various loan scenarios to find the best mortgage that truly fits your needs. Before contacting CH Lending, I had previously spoken with a mortgage officer at my bank. They did not provide anywhere near the amount of information and options as Raul did. He will then do the shopping for you with multiple lenders. On top of that, the time to close, at least in my case, was much faster than average.I am very grateful that I had Raul and Emily on my side throughout my whole home buying process and would recommend them to anybody shopping for a mortgage!

Review 11 (2018-04-09 - Rating: 5)
Customer service is a thing, again. Thanks to Raul and Emily mortgage lending is quick and painless. Every call and email were answered promptly. Raul explained every detail of the lending process with patience and knowledge. I thought his video updates were great. Emily communicated every update through the process, keeping me in the loop and reducing any anxiety. I would absolutely recommend Competitive Home Lending to friends, family and even my enemies. If you want it done right CHL is no doubt the way to go!

Review 12 (2017-11-13 - Rating: 5)
Working with Emily and Raul was a very pleasant experience. They made the process so very easy and convenient. If I had known that refinancing was this easy I would have done it years ago. They were friendly knowledgeable and patient. When the time comes for me to sell or to purchase a new home Competitive Home Lending is where I will go first.

Review 13 (2016-05-07 - Rating: 5)
This is a GREAT mortgage lender!! First of all, let me say that I will never go with another lender then Competitive Home Lending. From start to finish, this company took care of everything. Very knowledgeable, experienced and incredibly easy to work with. Our loan officer Raul Hernandez was AMAZING too! You could tell he has been in the industry for a while because he was always a step ahead, seeing any issues around the corner. Ive worked in banking, finance and investments for over 15 years now, working with other lenders, both professionally and personally, and this guy Raul never stopped wowing me, which isnt easy to do. The client service is second to none with both Raul and Competitive Home Lending. Their whole team was always on the same page and this was the easiest of the seven loans Ive ever done personally. I referred my brother to them as well and his thoughts were exactly the same as mine as they closed his loan in half the time he expected. Their fees are super low and rates are awesome. Their company name, Competitive Home Lending, says it all!

Review 14 (2020-10-29 - Rating: 5)
Thanks a lot!! Raul and Emily were extremely helpful throughout the process!! They suggested the best options possible. The refinancing with Competitive Home Lending was very easy and very professional. All the required documentation were requested upfront and never had to interrupt us frequently for additional documentation. The loan was processed within time and closing was done as we expected. No hidden charges or extras. Really loved the experience and would strongly recommend them for any new loans or for refinance. Thanks again Emily and Raul for all the help!!

Review 15 (2020-02-21 - Rating: 5)
I wanted to say thank you to Competitive Home Lending for all their effort in finding me the best price on a new refinance loan. They found the lowest possible interest rate with a good lender. The cost for their services were reasonably priced. They answered all my questions and quickly responded to my emails. I will recommend them to friends and family. Thank you Raul and Emily. You are a great team and keep up the good work. -James

Review 16 (2020-01-22 - Rating: 5)
As a broker Raul has access to hundreds of options for his clients. I am Rauls point of contact with the top lender in the country and one of many lenders he uses in an effort to find the most competitive solution that fits the needs of his clients.I have been working in this industry for decades and Raul is by far one of the most ethical human beings I have ever worked with, and for this reason I highly recommend Raul Hernandez.Thank you Raul!-Brenna

Review 17 (2019-07-10 - Rating: 5)
As a first time home buyer, I felt at ease because Raul was able to immediately answer any of my questions when I was confused. I didn’t know much about home loans when I began the process, but the Competitive Home Lending Team patiently informed me on the different type of loans and then continued to keep me informed as my loan was going through underwriting. All and all, they were great to work with!

Review 18 (2017-12-05 - Rating: 5)
Great company Raul and Emily takes you thru all steps with ease. They never waver in their goal of making your dream as a home owner come true. Many problems came up but they addressed them head on and told us we could work it out. Raul stayed in contact daily telling us the status of the application as well the next steps and corrections needed. My wife and i were please because they made us feel like it was their home and nothing would stop them from finishing the goal of being new home owners. Thanks to the great team at competitive home lending for helping with this like long dream.

Review 19 (2020-03-02 - Rating: 5)
Raul and Emily were great to work with since day one! Competitive Home Lending made the process very smooth. Their team is highly efficient and their estimates were right on! I would highly recommend them to any of my friends and family!

Review 20 (2021-02-10 - Rating: 5)
Raul and Emily are the best! They not only helped us with our first home purchase a couple of years ago but they also helped us with the refinance of our home. Both are extremely detailed, and do a great job in explaining the process. The resources listed in their website are also of great help! I’m so thankful we found them! I’ll definitely recommend them! They’re great at finding the best rate possible! Excellent customer service!

Review 21 (2022-07-17 - Rating: 5)
Wonderful team of experts! Raul & Emily helped me with my refinance. I got a great rate, had a seamless transaction experience and the entire process was quick! Highly recommend using CHL for any real estate transactions

Review 22 (2021-01-12 - Rating: 5)
Many of you already know about how good Raul is! I want to Shout out for Emily! as I am a small woman owns business person myself.We all need recognize more woman owns business. my husband and I are so grateful to work with both of you for our new home purchase.highly recommend for this beautiful young couples do great team work.

Review 23 (2022-06-06 - Rating: 5)
Raul Hernandez and his team from Competitive Home Lending are wonderful to work with. They are highly professional, with a fast turnaround time on their loans while keeping me, the agent, informed on all stages of the process. I highly recommend them.

Review 24 (2021-05-07 - Rating: 5)
Raul is the definition of Customer Service! Out of all of the lenders that we reached out to, he was definitely the most thorough, and provided several different options with an explanation as to why he recommended each. I will definitely be referring people to Raul in the future, and greatly appreciate his kindness and professionalism

Review 25 (2017-09-19 - Rating: 5)
Great lending company and excellent staff. They made my home purchase go very smooth and hassle free. I never felt pressured, doubtful or confused about any of the steps to purchasing my new home. Raul is the man you need to help you become a homeowner and it was a pleasure doing business with him.

Review 26 (2022-11-15 - Rating: 5)
My wife and I just purchased our first home and the road from financing to closing was incredibly smooth and painless with Competitive Home Lending. I was originally going to finance my home with a large retail lender, but when I was told the cash to close numbers, I was shocked by how insanely expensive it sounded. My parents have used CHL multiple times in the past, so they referred me to Raul Hernandez with CHL, and Im so glad they did. He talked me through what closing costs should be and, ultimately after some seller concessions, my total closing costs were less than half of what the retail lender quoted me. In addition to that, both he and Emily of CHL exemplify outstanding customer service. Both were available at nearly any time of the day and they always got back to me without delay. They were also both incredibly patient with me as I asked countless questions about the entire process. Im very grateful to them for helping me get my family into our first house!

Review 27 (2022-06-10 - Rating: 5)
I have been working with Raul while I was looking for a home in North Dallas.He has been very helpful on providing details on the numbers , super quick on providing the Pre-Qualification letter , suggesting me on how I can increase my Cr Score . Very knowledgeable guy and very highly customer service oriented .I would highly recommend him for your Mortgage needs .

Review 28 (2021-04-09 - Rating: 5)
Raul and Emily Hernandez of Competitive Home Lending were exceptionally helpful during the refinance of my mortgage. They were so quick to answer any questions or concerns, as well as giving advice during the process. I hope you will consider them if you are considering getting a mortgage or refinancing one.

Review 29 (2018-04-19 - Rating: 5)
After having tried to obtain a home equity refinance thru two other mortgage brokers that only tried to check blocks and force me into a mortgage that was not appropriate for my circumstances that ended in them accusing me of fraudulently attempting to get a mortgage, I was relieved and gratified to have Raul and Emily personally address my needs and my qualifications that resulted in me getting everything I wanted and needed and for LESS FEES AND LESS MORTGAGE INTEREST than the previous bumblers. You need a mortgage and want the best deal and customer service?? This is the place to go!!

Review 30 (2019-10-22 - Rating: 5)
Great people to work with! Raul took the time to explain and help me understand everything. Raul and Emily were a huge help in buying a home smoothly. Definitely would recommend to family and friends!

Review 31 (2020-12-08 - Rating: 5)
Raul and his team are the most efficient, knowledgeable and friendly broker in the area. They will get you the best deal guaranteed, like I have seen them do many times. Raul will get your loan closed in less than 2 weeks!!!

Review 32 (2021-09-28 - Rating: 5)
The team at CHL is professional, knowledgable, kind, patient, consistent, simply IMPECCABLE. They joyfully answered all of my many questions, from my first inquiry through closing day in an expedient fashion (some they even answered outside of typical business hours). They were able to provide my family with the best rate (we applied with 5 lenders total). They were personable which made the daunting experience towards home ownership smooth and stress-less. Moreover, they were able secure our funding quickly and efficiently, allowing my family to close two weeks ahead of schedule. They are rock stars and I highly recommend them.

Review 33 (2017-08-07 - Rating: 5)
CHL made the mortgage process easy. Emily and Raul have extensive knowledge in home financing and they are both happy to help you understand all the complexities that go into it. I am very happy with the outcome of working with CHL for the purchase of my first house.

Review 34 (2018-10-02 - Rating: 5)
Absolutely fantastic lending team! I have worked with them in a personal and professional capacity, and they are definitely my preferred lender. Great communication, extremely knowledgeable, and friendly service - they will put you at ease and walk you through the transaction from start to finish. I highly recommend them for anyone who needs a reliable and efficient lender.

Review 35 (2016-09-08 - Rating: 5)
Raul and Emily went above and beyond with is to get the refinance on my first house and to help us get our new one. I am self employed and we hit a couple of speed bumps but they told us to not worry and that we would get through it. And we did. Got a great house and we owe it to them

Review 36 (2020-02-17 - Rating: 5)
I work with Raul and Emily on multiple occasions. They are excellent at what they do. Ive gotten the best rates from them, and they are efficient in the lending process. Ive also referred them to my friends and family, and I look forward to working with them in the future.

Review 37 (2022-09-30 - Rating: 5)
This is our second closing with Competitive Home Lending, Raul & Emily are the best! We came to them last minute and needing to close quickly and they made it happen even ahead of schedule. I would highly recommend!

Review 38 (2019-06-03 - Rating: 5)
Excellent customer support. Raul went above and beyond to explain in detail all options available to us. We learned a lot from this purchase with Rauls feedback.Thank you so much for your time,

Review 39 (2024-03-20 - Rating: 5)
Excellent! Raul and Emily thank you for the amazing service...We close in 18 days! Good Job.

Review 40 (2018-04-09 - Rating: 5)
There is so much good to say about the staff at Competitive Home Lending that it would take me too long to write it all.Let me just say this: In a million years, I could have never guessed that the process of getting into a new home would be as stress-free and quick as it was with the help of CHL.I cannot recommend these guys enough. With the exception of one thing we had to send via FedEx, everything else was handled online. Although they were on the other side of the state, I never felt like they were farther away than down the street. Thanks to email and digital signatures, I could go over all paperwork from the comfort of my own home without having to drive anywhere.Even when a notary was needed to be brought in, CHL made arrangments to have him meet us at my office. Talk about service!Do yourself a favor, if you need any of the services CHL provides, dont bother looking anywhere else. Hire them! These guys rock! \m/

Review 41 (2018-10-10 - Rating: 5)
We were very pleased with our experience at Competitive Home Lending. David Coleman walked us through the steps and made the process very simple. Documents were sent to us in a timely fashion and all went very smoothly. We will definitely call David again when the need arises!

Review 42 (2022-07-18 - Rating: 5)
I had a great experience with Raul and his team when I did my refinance. I would strongly recommend doing your refinance with Raul.

Review 43 (2018-10-04 - Rating: 5)
Raul Hernandez is the best! Everything that was needed to be done was thorough and expedient and done the way is was told to me it would be done. Thank you to the whole Competitive Home Lending team!

Review 44 (2019-07-26 - Rating: 5)
Competitive home lending made the home buying process as easy as can be. They are responsive and knowledgeable and go over and above to provide excellent support. The staff is very friendly and professional. I highly doubt you will get better service anywhere else.

Review 45 (2020-12-18 - Rating: 5)
Amazing experience with refinance and of course with best rates. CHL team kept me in the loop on entire process. The overall duration from start to finish was 2 weeks (unbelievable).

Review 46 (2020-08-13 - Rating: 5)
THANK YOU!!!! both for such a wonderfull exsperiance. I know I asked lots of questions and had a very difficult schedule. you guys blew me away with competitive rates but even more valuable your willingness to understand, help and be relatable! You both are ahead of the game and are a pleasure to work with. Iam sure I wont be done asking questions or keeping in touch but just wanted to send a very big thank you to both.!!!! Chloe and I are so happy that we made the call and got to work with you both!!THANKS YOU!!!!!

Review 47 (2021-03-09 - Rating: 5)
Excellent service and communication. Very professional lender and processor, always a pleasure to work with and bring to a happy closing.Thank you Raul and Emily!

Review 48 (2020-12-23 - Rating: 5)
Great service, highly recommending them, Raul and Emily are awesome, they explained all the details of the process very well. Good follow up addressing my inquiry.

Review 49 (2021-01-14 - Rating: 5)
Team is very cooperative and helpful. The process was very smooth with quick turn around time. Great experience to work with Competitive Home Lending!!!