We have closed over 2,000 mortgage loans since 1993.  After closing we send out an evaluation form to be sure we have done well.  Here are some comments from those evaluations:

• I received excellent service!!!  Keep on dong that awesome job.  Thanks.  J. Alvarado

• We were very pleased with your entire staff from the very start.  You are not just a mortgage company.  You’ve become friends.  J. Jankowski

• Congratulations on bringing your company to such a high level of success.  You have successfully served your clients and your community, and we appreciate you.  F. Johnston,   Heritage Texas Country Properties

• Everyone did a wonderful job in making our first home a dream come true.  D. Keefer

• Mary and I want to thank you very much for the professional way we were helped with our loan.  We felt like we were given special treatment even if it wasn’t so.  Thanks again.  G. Johnson

• I appreciate your honesty in every area and Nancy’s help with all my questions.  E. Doty.

• This was the second opportunity we have had to do business with your company and both times it has been a pleasure.  We will call you again when it is time for our retirement place in Washington County.  K. Farrell

• Great work from a great staff.  Keep up the good work.  K. Broesche

• Thanks for processing our loan so quickly.  L. Strong

• Kellie was wonderful!  We have recommended Home & Ranch to friends.  I appreciate the “extras” Kellie did and the personal attention.  H. Dzierzanowski

• You make what could be an overwhelming and confusing process so easy for the customer.  Thanks again.  C. Cato

• I must say thank you for all you do.  You have made our dream happen much faster and easier.  B. Zschech

• We enjoyed working with Tim and appreciated the personal attention and patience dealing with us as first time home buyers.  R. Marshall

• Most professional service with a true Texas original smile and interest in our needs.  B. Ringgold

• It was nice to work with people who really know their field.  A nice change.  Thanks.  T. Jayna

• It was great having people treat you like family.  M. Babatune

• Your professionalism was exceeded only by your kindness, friendliness and your patience in dealing with us.  What turned out to be a difficult problem was solved by you going the extra mile. The problem being none of your own but you handled it quite well and everyone is well pleased.  A. Ratherman

• Thank you so much for your loving expertise on the refinancing of our home.  Much love and blessings to you.  M. Andrejczak

• Congratulations to the whole team at Farm & Ranch Mortgage on your 10^th anniversary.  Y’all have sure satisfied and helped clients, friends, and family members of ours.  S. Fontenberry

• Thank you so much for helping make a dream come true.  Your ladies made it so simple for us.  K. Broesche

• Pete and I are glad we chose a mortgage company that still cares about and serves the common folk.  We’re from the country and we like it that way. Thanks to everyone at Home & Ranch Mortgage.   K. Stone

• Thanks for taking the stress out of the “money” side of home building.  Someone had advised us that we didn’t really need to use a mortgage company.  Maybe not, but we felt good knowing that someone was looking out for our interests.  Directly working with a lender would not have been the wisest choice for us.  Thanks to all of you.  S. Delacroix

• We will be forever grateful.  This is going to change our lives.  C. Crieme

• Thanks for all the small town friendliness and personal attention we received.  The whole process was a great experience for us.  J. Klecka

• Your entire staff was so very considerate.  Keep up your hometown attitude with your professionalism.  R. Thomas

• We are already singing your praises to everyone and believe us when we say everyone knew we were trying to buy that house and until you all came into the picture it had taken so long it was getting embarrassing when someone would ask and they always asked!!  We are so happy and still celebrating thanks to Home & Ranch Mortgage.  D. Dettling

• We are overwhelmed with appreciation for the service you rendered in helping us refinance our mortgage.  D. Beckworth

• Enjoyed meeting each of you all and doing our business with you.  You make strangers feel as though they aren’t strangers but friends.  You can’t beat the ways of small towns and it inhabitants.  You all are a great bunch of folks and we’re glad that we chose Home & Ranch.  We now have new friends in a new area.  J. Whitefield

• Smooth as silk.  P. Battle

• Being a first time homebuyer we were terrified but everything went so smoothly that we now wonder why we were so nervous.  We will be recommending you'll to everyone!  B. Hall

• Thank you so much for all your work, therapy sessions, etc.  We really appreciate all your hard work and determination.  H. Carlile

• It was a joy to work with Kellie.  She helped make our dream complete by doing the financial part of the process.  Many, many thanks.  K. Leasure

• I have had many mortgage loans in the past and everyone was an ordeal.  I’m amazed how easy all of you made it for me.  Nancy was great – she worked so hard for us.  Thanks to all of you, you are all wonderful people.  J. Cutrer.

• Thanks so much.  It helped me through a difficult period in my life.  B. Hart

• Great job.  With all the problems we encountered you were still able to close within the time frame we wanted.  K. Gibson

• Tim and Alice did a great job.  I’ve already referred several people.  Thanks so much for your help.  D. Patterson

• We appreciate your help and “prodding” to get our loan done.  Home & Ranch is one of a kind.  L. Ashorn

• Kellie really went out of her way in meeting me on a Saturday morning to complete the paperwork – it really impressed me.  She was very patient in explaining things and finding ways to keep my costs low.  I look forward to working with you in the years to come.  C. Hientz

• This is the third mortgage you have handled for us in the past five years.  We have been very pleased and will continue to recommend you to others.  H. Lee

• We appreciate the small company atmosphere.  We felt that we could call at any time to reach someone.  B. Nash

• As a first time home borrower, I was somewhat nervous.  However, I knew of the good things Home & Ranch had done for my father; therefore, I felt confident because I knew you would do the same for me.  S. Bingham, Jr.

• Ray and I were both very impressed with everyone we dealt with in your office.  We were treated as “special” with every call or inquiry.  Thanks very much, especially to Tim.   L. McCauley

• Tim was a great help.  Everything went so smoothly and quickly.  We’ve bought several houses over the years and this loan was the easiest and fastest we have ever gotten.  R. Butterfield

• We were extremely pleased with the professional service.  Kellie is an asset to your company.  She goes the extra mile with a warm caring attitude.  We appreciated her presence at the closing.  R. Murrah

• This was the easiest loan approval process we’ve ever seen.  You really beat the big Houston Banks.  We look forward to working with you again.  L. Easter

• Approval took longer than I expected but with a past bankruptcy and three other companies refusing me I’m very happy with your service.  I have already recommended your company to my friends.  A. Moore

• We sincerely appreciate the warmth, courtesy, and expertise everyone demonstrated through the entire process.  We are happy in our new home.  C. Bridges

• Thank you all for being so helpful and understanding especially when I felt discouraged.  C. Darr

• We always feel confident that our transactions will be handled without any problems and we gladly recommend you to others.  Thanks for taking such excellent care of us in a very personal and professional manner.  J. Gibson

• Thanks for such personalized service and for being at closing with us.  Having refinanced our Houston home last year with a Houston company, I can truly say “its better in a small town.”  S. Byman

• Only “excellence” can describe the service you and your team can be to your clients.  We are grateful.  C. Chambers

• Thanks for everything,  It has truly changed our lives.  C. Cummins

• We think Home & Ranch Mortgage truly cares about the home needs of families and they really show their concern.  Thank you.  N. Kobs

• Lance and Nancy – thanks so much for your help and patience.  I was so nervous and filled with dread over the whole process in the beginning.  You made it so simple for me and alleviated my concerns.  I can never thank you enough.  C. Senker

• You helped make a trying situation a very relaxing experience.  Lance was always helpful and personable.  M. Risley

• This is the best service I have had in buying a home.  Thanks for everything.  B. Shaw

• My wife and I appreciate your assistance in getting the loan for our ranch.  We will call you for financial assistance when we are ready to build our ranch house.  P. Abbott

• Love the way you do business.  I have even stolen some of your customer friendly ideas.  P. Wooten

• Very impressed.  Glad I found you.  Felt very comfortable and well taken care of.  D. Kourek

• Very pleased.  Everyone was professional, friendly, courteous, and competent even after we closed.  They didn’t make us feel like they were doing us a favor by refinancing our mortgage unlike other mortgage companies.  J. Clayton

• Painless as usual – thanks.  J. Harper

• Hats off to Nancy for her willingness to help, not to mention my numerous calls.  Thanks again.  H. Runnell

• The best thing I liked about the people at your company was they were able to explain things in detail in a way I could understand.  Great customer service!  K. Krnavek

• Thanks for everything.  Each visit was special.  Each member of the staff treated Linda and I like special folks.  We liked that.  W. Sensat

• We are big fans of your uniquely positioned company.  We can always trust you to deliver.  Thanks.  A. Allison

• The group at Home & Ranch, particularly Mr. Verinder, has made our new home financing and closing a pleasant experience.  We appreciate your diligence and courtesy.  S. Kirby

• Sometimes we think all the professionals have left the market.  Not so with you and your team.  Thanks again.  G. Hackmann