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"Anyone can claim success when things go as planned. I was not so fortunate during the sale of our existing home in Virginia prior to the purchase of our new home in Indianapolis. The Buyers of our Virginia home had serious credit problems which were not discovered until 15 hours prior to their closing. This jeopardized the purchase of our new home in Indianapolis. It looked like our dreams were going up in smoke."
"We had been working with Kim for a number of months, and everything had gone smoothly up to that point. When things started going awry on the financing of our Viriginia property, I called Kim to explain our predicament. I believed it was futile because our ability to buy the home in Indianapolis was based on the successful closing on our home in Virginia. With five words, Kim restored our confidence in the process: “Let me work on it.” And she did! She worked tirelessly through the night, 24 hours prior to our closing in Indianapolis, personally contacting our lender, and modifying the financing terms for our new home. Her efforts enabled us to qualify for the revised loan, pay off our mortgage in Virginia, and successfully close in Indianapolis. And she did it with grace, confidence, and the personal touch which seems to have disappeared from the business world. She not only cared about the loan, she cared about us as people facing (in my eyes) an irresolvable issue."
"Defining (professionalism) is difficult, but I recognize it when I see it. Success as a professional is measured by results, not promises. Kim Spencer-Hoffman is a professional who made a difference in our lives. "
Joe Bono
Adjunct Instructor, IUPUI
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“My wife and I were facing the daunting complexities of our first inter-state move. We had to arrange for financing in Indianapolis, find a home, and simultaneously sell our existing property. Our real estate agent suggested Kim as a mortgage broker and I am extremely thankful she did. Kim has been a fantastic resource, advocate and advisor during this critical transaction. She was always at the ready to answer our questions, keep us informed and guide us through the purchase of our new home. Her positive attitude and easy availability made all the difference. Kim has not only earned our enthusiastic endorsement to anyone who asks, but an invitation to our house-warming party.”
John V. Goodpaster, Ph.D. and
Mindi C.K. Goodpaster, MSW
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"I would highly recommend Kim. As a first time home-buyer in 2004 I was in the dark about the mortgage process. Kim has now helped me buy two houses, one in 2004 and another in 2006--she got me a great rate and fees (far better than my own bank or credit union!). The whole paperwork process was smooth and painless. It was so refreshing to work with someone who handled all the details and was in my corner!! If you want a professional, honest and hardworking mortgage broker who will save you money, Kim Spencer-Hoffman is your answer!! Thank you Kim!!"
Dr. Kenna Quinet, IUPUI Criminal Justice Professor
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"As a first time home buyer and long time apartment dweller, facing the task of buying a home was something I had put off for several years. I procrastinated mainly because I didn't have a ton of money for a down payment, and I didn't know with being a single woman if I could qualify for a mortgage for a desirable home. I also heard a few horror stories from friends about what a pain the whole process is. However, between life situation changes and the change in the housing market, it became more and more important to me to own my own home.
I am actually upset with myself for not doing this sooner, and wasting my money all of those years (over ten years) on rent. Kim helped me qualify for a beautiful home, and informed me of great options, such as zero-down programs and lender-paid PMI. Kim made the whole process simple, and she's so personable that I felt at ease and enjoyed working with her. She is very meticulous, and made sure every detail was covered - and continuously followed up with me to keep me updated on the status of each process involved.
I have recommended Kim to anyone looking to purchase a new home or refinance. She is extremely knowledgeable and could provide anyone from a first time buyer such as myself to a veteran home buyer with a comprehensive and easy home buying experience. I will definitely use her services again in the future, when the opportunity presents itself. "
Jaime Varner
Sr. Software Developer
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"It's very scary purchasing your first home. I was out looking for my first place and was very lucky to have Kim help me finance my first home. My realtor had a great relationship with Kim at Metro Mortgage and recommended financing through her. I continued to shop around and see what else was offered in terms of loans and Kim beat every offer out of the water. She made sure that I was comfortable with the type of loan I was receiving and explained all my options. Kim was very professional and made sure I understood the entire process. We spoke almost daily to make sure everything was in order and all my questions were answered. She made the process very easy and I look forward to working with Kim in the future! "
Emily Button, Executive Administrative Assistant
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"My husband and I had sold our previous home and were renting a house while we repaired our credit which had suffered when he experienced a serious short term illness. We had a temporary loss of income and had been late on some of our monthly bills, including several previous mortgage payments. In the current financing market, late mortgage payments can be an automatic decline on a mortgage loan. While we did not have the best credit, we eventually learned it was not as bad as some lenders had led us to believe. We tried two lenders before we contacted Kim and had been convinced the only way we could get another home financed was to accept a sub prime loan with a high interest rate and inflated closing costs. We refused to do this and had just about given up hope of being able to buy another home. We expected we would have to rent for at least another year, maybe even two.
While surfing the Internet one day, we found Kim’s website and decided to give her a call. This was the best decision we could have ever made! From the very FIRST conversation, Kim Spencer-Hoffman advised us she could get our loan approved with a decent interest rate and reasonable closing costs. She pre-qualified us and we quickly found a home with a closing date three short weeks away.
The transaction was a tough one to say the least. With each issue, we expected Kim to abandon us at any second but she undertook the commitment to get the loan financed and that is what she did. Kim handled each issue professionally and went far above what we thought a loan officer would do for a customer. She quickly processed our mortgage application and never wavered from her initial commitment to get our loan approved. We had final loan approval four days before our closing date which is record time and very difficult to accomplish.
Kim also attended the closing with us. This is something that does not happen with every mortgage broker. As a former realtor, I have had the opportunity to interact with many loan professionals over the years. I can personally attest that many other loan professionals would not have had the commitment to close a loan in such a short period of time and definitely would have thrown in the towel after some of the rough patches that we hit. Kim did so effortlessly and readily assisted when and how she could. Her greatest quality is that she is honest and ethical. This is evident in the fact that other lenders wanted to price gouge us on the interest rate and closing costs. Not only did Kim get us approved at a great rate with reasonable closing costs, she gave us several money saying tips and even went out of her way to assist with the resolution of non-mortgage related issues. This is not something she had to do and at some point, I realized that Kim’s efforts were not only about the loan. She truly cared about us as people and we all know this is not seen much in today’s business world.
As we walk through our beautiful new home, we will forever be grateful to Kim for her assistance, honesty, integrity, and overall commitment to get our loan approved. Especially, at a time when others wanted to take advantage of our unfortunate and unexpected financial situation. While I am not planning to move any time soon, in the event that I do, Kim will be my first call.
We highly recommend Kim without hesitation to any buyer looking to finance a home –-- she is priceless!"
Missy & Pete Bell,
Fishers, IN
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" Working with Kim has been amazing! My husband and I were searching for our dream home – and we found it – but were feeling overwhelmed with the idea of dealing with a mortgage company. Our realtor recommended that we speak with Kim and it was a great experience. She was always timely in her feedback and customer service and never did I have to worry about any piece of the mortgage puzzle. Kim was great!"
Jennifer Towner, PHR
HR Generalist
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"Our family was experiencing several life-changing events including buying and selling homes. The stress we were experiencing was greatly diminished by Kim, who was always taking care of the financial side of our transaction without prompting. Kim is a self-motivated individual; we never had to offer friendly reminders. If we needed something, it was done. Her years of experience enabled her to anticipate our needs. I will refer people to Kim with confidence; I know she will do a great job for them just as she did for us."
Stephanie Downton
RN
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“I have been a customer of Kim Hoffman several times. I obtained two primary residence mortgages with Kim and had the opportunity to refinance my last home with Kim as well.
In my experience, I have pretty much been able to sit back and let Kim guide me through. The process is always easy and the personal attention from Kim via email or phone is always prompt as well as insightful. She is very forthcoming with ideas and thoughts on the market and how to best leverage my money while keeping my best interest in mind. “
Charlie Hanley
IT Manager
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"Kim Spencer-Hoffman was wonderful to work with. She facilitated the mortgage process so smoothly that I could actually focus on the joy of moving into my new home. Kim demonstrated a high level of professionalism as well as excellent interpersonal skills. Relocation is noted as one of the most stressful events in your life and I can say that Kim made this a much easier process."
Mila Adams, RN
Past Customer
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"My experience with Kim Spencer-Hoffman has been great! Kim's hard work allowed me to be able to purchase my own home."
Kimberly Stewart
Past Customer
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"I have performed several transaction with Kim and she has always been professional and courteous. The first transaction for which I engaged Kim's service was my very first home purchase in 2001. She made what might have been the scariest thing in my life, a relaxed and enjoyable experience. I again engaged Kim about one year later to refinance the home I purchased in 2001. Had Kim not contacted me to let me know the rates had dropped significantly, I might still be paying a much higher interest rate. In 2003, I purchased a rental property and it was very complicated and difficult due to many extenuating circumstances. Once again, Kim came through with shining colors with a deal that worked for all parties. "
Chassidy Rogers, Paralegal
Past Customer
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"I have dealt with Kim Hoffman for many years and her loan files have always, consistently been the best, most well processed filed I've received. She is very thorough. She always reviews every aspect of the loan file and deals with the issues at hand. She sends complete loan files which is very rare. Most processors send files and want the underwriter to make a checklist of how to process the file, but not Kim! I enjoy her personality and she always has a smile in her voice. She is highly professional."
Karen Meister
Underwriter
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"Having worked with Kim Spencer-Hoffman for almost 17 years, I have experienced continued services that is second to none. Her approach to our clients and to the entire loan process is very professional and she never fails to get us all to the closing table on time. In fact, through her hard work and diligence she is often able to work with clients and obtain a home loan for them - when other loan officers had turned them away."
Carol Ayres
Century 21 Realty Group I
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" I never hesitate to recommend Kim to any one of my clients. I know they will receive Kim's very best. Whether it is searching for a product that is unusual to helping along a first time buyer, I can count on Kim!"
"I actually sat at one closing were everyone, the seller's, the seller's agent, the closer from the title company, and my buyer all commented on how professional and helpful Kim was during the transaction. All the praise Kim received was well deserved!"
Suzanne Green, Realtor
F.C. Tucker Company
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"Over the past ten years, Kim Hoffman has originated two personal mortgage loans for me. Each transaction proceeded smoothly which is in direct relation to Kim's knowledge and understanding of the mortgage industry. Kim's work ethic and attention to detail make her very well respected in her field. As a licensed real estate agent, it is nice to have people you can depend on and Kim Hoffman is at the top of the list."
Susie Fultz
Realtor | 
