Christine Madrid – Caliber Home Loans

We worked with Christine on a loan for a new condo purchase in Downtown Seattle. She was very informative and patient with our questions and offered to meet and speak on the phone at our convenience, usually after normal work hours. We ended up going with another lender because they are a friend of a friend, but we really appreciated her consultation and enjoyed working with her. She was also very receptive to matching /​beating competing offers!

Just locked a home loan on a condo with them, basically because we ran out of time. I really wanted to like them since my realtor whom I’ve had a great experience with recommended caliber, but they failed in almost every way. the online loan application was easy and convenient to fill out. Everything after that was poor at best. First of all I was made to feel like they were doing me a favor whenever they deemed it necessary to return a phone call. They would remind me of how busy they were before squeezing me in for short 1 – 2 minute talks. I called probably a dozen times during their business hours and talked to a live person 3 times. If you’re going through the loan approval/​application everything is time sensitive, so it was frustrating that my phone calls were only returned to «apologize» for rising interest rates, with continued advice to float my loan out. Following my loan officers advice on floating my loan ended up with an interest rate .40% higher than my original estimated rate. Finally they took no time to explain anything about my loan, no review to make sure I understand the terms, and when I asked for clarification on terms I didn’t understand I was given a rushed exasperated explanation that made me feel like it wasn’t my loan officers job to help me understand my loan or the process.
In summary, made me feel like a small fish by barely giving me the time of day, poor etiquette in answering and returning phone calls, and poor advice on the direction of interest rates costing me money.

Christine and her team were a fantastic help during our home buying process. Before selecting a home, she helped explain the entire process to us, what our options are, and things to keep in mind. Once we found a home, her team helped the whole way. Our offer was accepted shortly before Christmas, and even with the breaks when people were on vacation or tough to reach, Christine was always in contact quickly. Her team kept us appraised on what was happening when, and made sure we were able to be prepared for everything that would be required. The loan was ready to go well in advance of closing, which is particularly impressive with the holiday season, so they worked fast to get everything in order. Highly recommended.

Christine and her team at Cobalt helped secure the loan for me for our jumbo mortgage. The process was complicated because I had just returned from a 1 year stint in Europe, and getting all necessary documentation was sometimes challenging or impossible. Christine and Kris as well as Marisa who were my primary contacts helped me find alternative documentation and ways to close the loan, and were very responsive, patient and detail oriented through the whole process. The result was that the paperwork delays from my end caused closing to be pushed out, but by only 2 days (from 30 to 32). Christine was also always available –right from an urgent preapproval being needed on a Sunday to connecting with the listing broker on her own initiative to communicate confidence about my financial situation. Overall, I am highly satisfied with the professionalism, level of communication and reliability of Christine’s team, which made the experience as pleasant as it could possibly be.

Christine was referred to us by our Realtor, Javilla Creer. We are new to the Seattle area and had no idea where to turn but we are so thankful that we found Christine and her team. We felt well taken care of at our first meeting and all throughout the escrow process. We worked a lot with Kris Hoglan who was always friendly, knowledgeable, and extremely prompt to return emails and phone calls. We loved being able to sign almost all of our documents electronically and communicate primary via email. Kris and Christine made the process completely non-​stressful and seamless. We closed on time and would absolutely use Christine and team again!

My agent recommended Christine Madrid at Cobalt and I couldn’t be happier.
I had a fantastic experience working with Christine and her team. Being a first-​time homebuyer, I had little to no knowledge about what I was doing and they walked me through each step with patience and care. They went above and beyond to get me what I needed even with super short turnaround times and working after business hours.
I would absolutely work with Christine again!

Christine and Marissa were amazing to work with throughout the process. My situation was unique (more like challenging) which created a lot more work than was probably necessary for all of us and they worked through everything while keeping me informed every step of the way. I cannot recommend Christine and Marissa enough for assisting me with securing the financing for my new home.

Christine and Marisa worked so hard for us! We under a time crunch and they got it done. They were so patient with us when we called for updates and always had answers to our questions. In this crazy market I would highly recommend going with them.

I used Christine Madrid and her team at Cobalt Mortgage for my recent home purchase, and I recommend them highly.
They were extremely helpful and responsive whenever I had questions along the way. Buying a home is an extremely stressful process. Christine and her team were simply outstanding about alleviating that stress, and making sure the process went smoothly.
Marissa Vest on Christine’s team was my primary point of contact, and she was great to work with.
I would absolutely work with Christine and her team again in the future for my mortgage needs.

Christine and her team, especially Marissa, were excellent in their processing of our mortgage loan. We had a very tight timeline in which to work, and the whole team worked to make it happen seamlessly. They responded immediately to our questions and answered them to our satisfaction and understanding and they were easily available. We would definitely recommend Christine Madrid and Cobalt Mortgage for your needs and would definitely use them again in the future.

Christine Madrid and her team were exceptional to work with to obtain a purchase loan. Great service and I was able to close on the purchase of my new home very quickly. I would highly recommend her to friends and family.

Christine, Marisa, and the whole team were amazing to work with in the loan process. They were easy to get in contact with, very professional, and incredibly reliable when it came to helping us step by step toward our loan needs. It was our first home purchase and they made the process incredibly easy, unlike other loan officers we have tried to work with prior who aren’t as on top of things as this team is. We would definitely recommend them to others. Thanks Christine and Marisa!

Christine and all of those helping us were so helpful. Since this was our first time buying a home and getting a mortgage they were great at answering our questions and helping us through step by step. We had a great experience using them.

Christine and her team were great: professional, timely, excellent communication. Communication is a very important part of the mortgage process and our prior mortgage broker was at times frustratingly non-​communicative — not so with Christine and her team. Either Christine or her team was constantly checking in with us, updating us on how things were going, walking us through the entire process. I highly recommend Cobalt Mortgage.

I use Unilocal on a regular basis but have never been moved to write a review of my own. The stellar service that we got from Christine and her team changed all that. My husband and I just bought a new house and were lucky enough to work with Christine on the pre-​approval and mortgage process. From day one, Christine’s entire team was exceptionally responsive, knowledgeable, and efficient. In a word: rockstars. Christine is a consummate professional and her team upholds her high standards in their work as well. I was especially appreciative of how Christine always made time to patiently walk us through every aspect of the loan paperwork, and answer all our questions — hypothetical and otherwise. Everyone we worked with on the team — in particular Deshea, Kris, and Marisa — provided a five-​star level of service, on each and every occasion. They helped make an otherwise daunting and stressful process feel manageable and — dare I say it — downright easy. If you’re ready to start working on the financing side of your home-​buying journey, look no further than Christine Madrid at Cobalt mortgage — you’ll be in great hands!

Christine and her team are reliable, professional and easy to work with. As a first-​time homebuyer, I had plenty of questions for Christine’s team. They assisted me with all of the details, and my questions, in a timely and efficient manner. Christine came highly recommended to me from my Mom who also used her services. Her team surpassed my expectations, and helped me every step of the way, including reaching out to my home insurance and my realtor when necessary. I had a busy couple of weeks, and Christine’s team made sure that all the paperwork was completed on time, and sent me reminders if I had missed anything, to ensure that I stayed on track to close on time. I highly recommend using Christine and her team for your broker needs — their services are excellent, and I’m very happy with my experience with the team.

Christine and her team were a pleasure to work with. They are knowledgeable, friendly, efficient and get the job done. Christine walked me through the process and spelled out clearly what I needed and how I needed to submit paperwork in order to move the process along, even under challenging conditions and tight timelines. Cobalt has some of the best interest rates I have seen and I was very happy with how the numbers came out in the end. She was easy to reach and quick to respond. I recommend her service without reservation.

This is the second time Christine has helped me with the loan process and once again, despite my unusual and complex circumstances, she and her team went above and beyond to accomplish closing on time at a very low rate.
I highly recommend Christine to all Seattle buyers. I have bought houses in England, Australia and the U.S., and she is by far the best mortgage broker I have ever worked with. She is professional, knowledgeable, courteous, dedicated, diligent and caring. I cannot say enough positive things about her — I truly appreciate what she has done to help me. Thank you Christine.

We have worked with Christine several times since moving to Seattle and she has been wonderful.
The 1^st time we worked with her she SAVED us from a horrible broker (remaining nameless) who was full of promises but almost lost our home purchase for us. He had «helped» us for 25 days and we pulled the plug on him and she closed it all in days, just under our deadline!
She is professional and knowledgeable and has obtained a competitive rate/​fee structure for us every time. A wonderful team she has there!