All Western Mortgage – The Loan Doctors Team

Art Shalomov of All Western mortgage crew, esp. Raul Gonzalez are highly exceptional in making impossible things possible with the wisdom, tenacity, and determination that they had in making my dream house a reality! With a very small income and high debt-​to-​income ratio, I knew I was just a chump change to all the sales they’d handle. But I never was too small for him and he made me feel so big for the way he pushed, followed up, and fought for me until the end. Honestly, I already gave up, though I kept myself in fervent prayer mode. But he just fiercely clenched on the dream of ours until the release of house keys! In the last minute, I really thought that I would be the first person who could break his 4-​year positive spell of approvals and closed contracts with my looming rejection. But he just wouldn’t take «no» and «never» for an answer. He just made it happen! With a new beautiful home of 4 beds and 2.5 baths, my family has never been happier! Thank you so much, Art! You, All Western, and Ivonne Bellew are such a great blessing to us!

I would recommend «All Western Mortgage» to anyone who is trying to qualify for a mortgage loan. I worked with Lee and Chris; they worked with me throughout the loan process with courteous, patient and friendly. If you have been told you are not able to qualify for any loan, do not believe it until you talk to Lee and Chris.

Working with Art and the rest of the All Western Mortgage team was a breeze.
Art helped us improve our credit and gave us advice on how to prepare for the home buying process. He explained everything really clear and was with us every step of the way. We are first time homeowners and this was a great experience for my wife and I. We finally closed today and its all because of Art and his team.
We really appreciate everything they have done for us and would highly recommend them to anyone.

i asked lenders if there was anybody who could help me finance a home with a bad credit score. chris called me and asked me what my problem was and they went to work and told me how to get my credit score up to finance with the v.a. he did this at no charge too. i was able to get my credit score due to the advise of all western mortgage. i was able to buy my home with their help and was so well satisfied that i would recommend them to anybody who needs financing. i was turned down by everybody here in so. cal. try them and you will receive the most professional advise and help in the real estate financing market in az.

Excellent!
I needed a mortgage for a loan and Ralph and his team took care of the whole process!
This is my first mortgage and I thought it was just a simple credit check and income verification. Heck no! There are a lot of other factors that come into place (especially because of all the scumbags in 2003 – 2008 who messed it up for genuinely good people in the present).
Long story short if you need a mortgage, want someone you can trust to do all the paper work diligently, and not gonna have any surprises at the closing, this team is for you.
TIP: 1. Always try to raise your credit score for great rates.
2. Ask Ralph for other services you may need like Home Owner Insurance.

I’m so happy to finally get my own house! Thanks to Rafael for making this happen. AWM made it easy and stress free. I really thought it was going to be a long process but the timeline was great! Everyone is super friendly and very knowledgeable. Again, THANK YOU! You guys are awesome!

My husband and I originally went with a different mortgage company and had been getting the run around for two months! When our realtor recommended us to the loan doctors team, we were a little hesitant as we were on a time constraint and we only had a few weeks left. After getting the run around from the other company too many times we decided to go with the loan doctors team. As we arrived they were greeting warm and kind. They stayed very late knowing we had to have this done in just a few weeks, and they got us taken care of in record time! I, my realtor as well as the title company were all astounded in the progress they had made so quickly.
Destiny Pyle

Fantastic job done by Raphael and his team! Every step of the process was done professionally and was well communicated. Above and beyond for sure!

First of all I want to thank Raphael and his team for closing my loan fast and without hassle. My parents are very happy in their new home. Raphael Bangiyev performance, knowledge and customer service is outstanding. I will not only continue business with him in future, but I also will refer him to anyone I know who is looking for new or refinance a loan. Thank you Raphael for treating me like a family member. You made my elderly parents very happy in their new home.

When your loan specialist makes you feel like he is doing a loan for his family member, that’s worth Unilocaling about. I was so blown away by Nick Esposito. I was referred to him from a friend, and thought this was going to be just another headache with multiple frustrations. He was upfront, organized, and most importantly, knowledgeable about his craft. There is no doubt I will return to him for ANY home finance needs that arise, as well as try and refer anyone I care about over to him. Thank you so much Nick. I hope you come across customer service in your life like the kind you provide for your clients.

I first want to Thank your team for making my experience such FAST transaction! I have gone from bank to bank to try to find help, and no one wanted to help me or work with me, until I found you guys… and Raphael Bangiyev was my loan officer, I want to commemorate him and thank him for his patience, he took the time after his office hours to meet with me and my husband to explain our unique situation. I will never forget the good gesture that came from your team. I will tell all my friends about you and your company! Thank you for helping to put a roof over my families head!

When a ‘vendor’ acts as a partner just trying to add value, you know you’ve found a winner — especially in an otherwise sales-​forward business.
Such was my experience with Christopher Gonzales of this company. The transaction was for a Sun City condo for my mother. I needed to get Mom prequalified and move the process ahead remotely. Christopher did everything needed to get that milestone accomplished so the offer could be made (and eventually accepted).
Things were a bit rush-​rush on my end and I hadn’t really vetted all my options. Eventually, we decided to do a cash closing instead of securing a mortgage. through Chris’ company. While we figured that out, Chris stood by in support of our process. No sales chatter, no attitude because he was losing a possible transaction after putting in effort. Through the end, he was helpful and positive — he walked the walk of good service.
If everyone in this company comes even close to providing a similar experience, you’ll be in good hands for sure.

The Loan Doctors got me and my family into a home after we had been denied by 2 other lenders. They worked with us for 3 months (free of charge) directing us how we could repair our credit to qualify for a home. They were patient, helpful, kind and always willing to offer advice without asking something in return. We are beyond grateful and we highly recomend them! Raphael was our Loan Officer but everyone at the office was very pleasent to work with.

This was the best business encounter I’ve had in years, and, to think, it was all by chance. I, like many Americans, was brought to my knees financially in 2008. After losing my job, I had no choice but to claim bankruptcy and include my home. Fast forward three years and I’ve dusted off, moved cross country, fixed my credit and managed to save a sizable down payment for a new home; however, my home is still awaiting the foreclosure process in the great state of NJ. I had been trying for two years to find someone that would help my family and me finance a home. After nothing but rejection and not even being able to get past the initial phone conversation with a lender, I had given up. A coworker heard my story and simply said, call my girl. With great skepticism but nothing to lose, I called Kimberly Hale. I was upfront and told her my whole story, I then waited for the all too familiar, ‘I’m sorry but I can’t help.’ Much to my surprise, the reply was, we can help. I didn’t know what to say, I may have asked Kimberly to repeat herself in awe. Within three days after an easy application process, Kimberly says go shopping. (Three days because I insisted on being fully pre-​approved so I wasn’t wasting anyone’s time including my realtor’s.) After so much rejection, it’s needless to say that I had little confidence and plenty of insecurities about this transaction. We found a home that we loved and proceeded to the next step. At every step of the process, Kimberly was there to answer all of my questions and calm my nerves. A short 30 days after my offer was accepted on the home, we finished all of the paperwork and were handed our keys. I cannot thank Kimberly enough. No matter how big a company is perceived to be or how many resources it has, the people that represent it are the most important part. Kimberly’s competence, confidence and sheer willingness to go to work on my behalf was in my opinion the reason why I am a happy home owner once again. I’m sorry if I’ve gotten a bit lengthy with this review. However, I need for anyone who is reading this familiar story to know that your painful and exhausting search is over. From me, my wife and our 6 month old twins, thank you so very much!
PS Donna was awesome too in processing everything!