Alex Margulis – Perl Mortgage

Could we have purchased our first home without Alex? Yes. But, would we have been able to close on the home we most desired without Alex? Probably not. After an extensive search we finally found the perfect home for us. Unfortunately, we found our perfect home at the same time as several other potential buyers. It was late afternoon on a Saturday, and we wanted to be the first ones to make an offer. Alex and team promptly provided a pre-​approval letter, and our offer was accepted the following morning.
This seemingly small, but crucial step in our home buying process is a prime example of how our entire experience went with Alex. Alex answered all of our numerous questions from start to finish, and made the entire journey seamless.
When it comes to buying your first home it is good to know you have a true professional like Alex on your team.

I have used Alex to finance and then re-​finance my mortgage. He is very professional and patient and walked me through the entire process and answered every question I had. I was most impressed with Alex’s personal touch. He followed up periodically and made sure that I was happy with the overall progress. I have recommended him and would do so again!

Alex is hands on, personable, knowledgeable, well connected, communicates effectively, patient, and was a joy to work with! I highly recommend him. You won’t be disappointed.
Alex, thank you for absolutely everything you have done in helping me pursue my goal. As a first time home buyer, there was times were I didn’t quite understand somethings but I certainly felt like I had someone that I could go to for more questions. Alex, was always available on phone and quick to respond via email. He was easy to talk to, and answered my questions to the best of his ability. The communication, professionalism and efficiency throughout the whole process was above and beyond. Thank you so much once again I am forever humble and blessed for your service.

Found Alex on Unilocal.Called him and then a couple others for due diligence, including my bank of 20 plus years. Impressed from the beginning with Alex and now that I have completed the refi. I know why he has so many 5 star reviews. The ability to electronically sign the initial documents and having a closer come to our house made the process the easiest mortgage experience we ever had. His team kept us updated each week to the status and or any further documents needed. Everything went great and Alex was available each time I called with a question. I will recommend him to many going forward.

It was by chance that I first worked with Alex Margulis when purchasing my current home 11 years ago. Since that time, he has been a trusted mortgage/​financial advisor and I would not call anyone else. He refinanced my home twice since then and he has also refinanced my parents’ home. Alex is the utmost professional; knowledgeable, ethical, patient, accessible and genuinely interested in my financial/​personal well-​being. Admittedly, I have probably needed more assistance and explanation then others. He has always given me the time I needed and more. No matter what time I call/​email or how many times I have questions or concerns, he is available or responds promptly. I appreciate Alex and also his colleagues, who I worked with in part on my last refi. For short-​term and long-​term mortgage/​financial planning, I feel safe with Alex Margulis in my corner. He truly makes me feel like I am his most important client.

After trying to refinance with several companies we found Alex at Perl mortgage. What a difference! It was a total positive experience. We had the shortest refinancing time and great personal attention to our financng process. Thanks!

Alex and his staff were very helpful and friendly. They kept me informed and answered any questions I had in a timely manner. Everything went smoothly even with last minute changes in the end.

Alex is a great mortgage banker. He financed both of our income property purchases and things went very well. I appreciated the crisp communication and service.

I highly recommend Alex and his team! He is very responsive and understands what needs to be done to get a deal closed. I have closed two mortgages with Alex in the past nine months and each time was a positive experience. Alex and Pearl Mortgage has been the perfect solution for my unique borrower profile and I hope to continue to work with Alex for many years to come.

Alex did my refinancing.
He was a trusted advisor and led me through every step of the process. This was my first re-​finance and Alex was attentive, explained everything clearly, and left no stone unturned.
Alex has a strong dedication to his clients that is unparalleled and should be strongly considered as the number one choice for all matters related to the financing of your home.

Smart guy, consummate professional, trusted and experienced advisor. Alex is my go-​to broker.

Alex was suggested to me by a co worker that had a good experience. I was really impressed with his availability, knowledge and helpful steps and how the closing came together. This is my fifth financing (always with a brick and mortar bank) and first time with a mortgage company. I did not think I would ever leave my bank but this has been a good experience.
I will definitely recommend Alex and Pearle mortgage.

After enduring a short sale several years ago, Alex did an amazing job helping us out for mortgages though we faced long odds about getting a reasonable one. He was very patient, informative and easy to work with. Highly recommended.

Funny, I didn’t think of ever looking up a lender on Unilocal before, but it’s reassuring to see that everyone Alex comes in contact with is thrilled by his excellent service and competitive rates.
Certainly for me, as a first time homeowner, he took away a lot of the discomfort that comes with a new and intimidating process such as getting a loan.
Alex worked diligently to educate me on the process, he was never pushy or sales-​y, you can tell that he believes in his ability to deliver value to his clients so he has no need to pressure anyone. The only thing Alex is concerned about is that his clients make an informed decision.
Throughout the process, which had added complication since I am self-​employed (with any lender not just PERL), Alex was very responsive and did a great job of communicating the status of the loan application.
I would highly recommend Alex to all of my friends and family who are looking for a lender.

This was my second time using Alex and Perl mortgage and everything went great again. My real estate agent also mentioned that Alex did a great job compared to other lenders she was dealing with the week of my closing.

Alex and his team are highly recommended. He is incredibly responsive and thorough, both necessary elements in obtaining a mortgage. Alex and his team also do a fantastic job in being transparent on costs and obstacles to expect in a home buying process.
Alex and his team at PERL come highly recommended during a home search, as they do the heavy lifting, communicate often, and ultimately execute on client requests. Their client service can’t be beaten.
Helpful, professional, transparent, and thorough. He is highly recommended! Thanks, Alex!

I was in an urgent need to refinance my rental property and I used Unilocal to find the top rated loan officer. Alex Margulis came as one of the top three officers in the Chicago area. Before the other two officers even called me back, I had already negotiated all loan terms with Alex.
In my dealings, that’s what I found Alex to be:
1. Quick in getting back even when he was out of the country
2. Reliable and thorough no matter how complicated the application may be
3. Sharp and very knowledgeable of the products he offers
4. Honest and professional
In the last six months, I closed two complicated transactions with Alex (in Illinois and Washington, DC) and I have more lined up.
Despite the complexity of my loan application, Alex and his team were able to pull the second transaction in a period as short as three weeks!
He is the professional, you ABSOLUTELY want have on your team. What’s even more impressive — I’ve never met Alex in person. All my communication with him and his team has been done via phone calls and emails.

Alex is great to work with — always patient and responsive. You want that when you’re dealing with mortgages.
Can’t improve on the rave reviews others have written. But I can say «Ditto!» pretty much down the line; especially re professionalism, trustworthiness, and ease in dealing with. Found Alex Margulis at Perl Mortgage through a former coworker’s referral a few years back.
Don’t expect we’ll deal with anyone else… Unless he retires, or we seek a type of financing not serviced by Perl Mortgage, such as a building loan. In which case, Alex doesn’t merely say «No can do» — he goes the extra mile and offers helpful information and/​or referrals.
Have dealt with many financial lender agents through the years. As far as we’re concerned, Alex is in a «rare air» class: Best of the Best.

TL/​DR: Highly recommended for his strong combination of expertise and customer service!
After failing to refinance my townhouse-​style condo with another lender, I spent quite a bit of time finding someone who could overcome the challenges of some particular hurdles that condo-​owners face.
Alex was recommended by a neighbor who worked with him — turned out to be a fantastic referral. Alex provides clear and concise instructions, answers questions quickly in layman’s terms, and will work for you with title companies and other agents involved in the process to ensure no late-​minute surprises.
In addition, he corrected some misconceptions I had based on what I had heard from other brokers/​bankers who were not up to date with the latest legal updates.

What a joy to work with Alex professionally! The most telling thing — our real estate agent and attorney both agreed that Alex was one of the best agents they’ve worked with. I trust them, since they close on a lot more houses then hubby and I :)
I’ve heard what a nightmare getting a mortgage can be nowadays, but Alex’s simple lists and explanations made it a snap. Even when we had to submit more paperwork, it was never a rush or stressful, just very smooth. He was also very patient with us in pre-​approvals and «held our hand» through several failed offers on other homes.
I would (and have) recommended Alex for your mortgage needs.