Independent Financial

Mike was simply outstanding to work with. He made every step seamless and took the time to explain everything thoroughly throughout the whole process. He always made himself available to answer questions and to make sure that we had a full understanding of how our application was progressing. I cannot praise him highly enough.

Mike went above and beyond what he had to in order to help us get through the refinance process. He was great at listening to our needs and explaining all nuances to us in an easy to understand manner. 10/10 would recommend

Outstanding through out the entire process. Will highly recommend Mike to friends and family.

Best financing experience I have ever had. Mike exceeded every expectation and excelled at communicating exactly where we were in the process. We were on a tight schedule and not only did he meet the deadline, we were actually able to close a week early.

Mike did a fantastic job! Very happy with Mike and his team.

Excellent service. Very efficient and transparent process. Would not hesitate to refer friends and family to Mike and his team in the future

Great service and they really get it done awesome job, thank's.

Mike and his team were amazing from the beginning to the end of our home refinancing process. We had attempted refinancing at another company and after weeks of runaround and delays sought to find the best in the business and we were so lucky to have done so. From the beginning I honestly explained our situation to Mike and he gave me my options. I never felt like I was being misled or upsold anything. It was very clear what documentation was needed and how to deliver it. The closing was smooth and funds were delivered as expected. I would suggest you stop your search right now and call Mike’s team because they are best in class.

We have owned the same house for almost 2 decades and refinanced it a few times. Mike was, far and away, the VERY best agent we ever dealt with. He was responsive, professional, knowledgeable, and most of all, HELPFUL. There is truly no higher praise I can give than if my mother was going to refi a house or buy a new house I would tell her there’s only one person for the job, and it is Mike.

MIKE DID EXCELLENT JOB, GREAT COMMUNICATION AND SERVICE, INDEPENDENT FINANCIAL HELP ME WHEN OTHERS TRY TO HIT ME BAD WITH HIGH INTEREST RATE, THANKS SO MUCH FOR HELP ME OUT TO REFINANCING MY HOME.

Fantastic service. Mike went above and beyond.

Great customer service, Mike really work hard to give me the best rate on the market and excellent communication with customer, he did what others can't do it. Always tjank u from the bottom of my heart.

It was a completely painless and smooth process. Would highly recommend Mike!

The best loan processing experience I have ever had. Mike and his team were always quick to respond to any questions.

The process was quick, easy and I received a great rate. I would recommend Independent Financial to anyone looking to refinance.

Mike did an amazing job guiding us through the process of our refinance. He was able to give lay out my options very quickly and explained everything very clearly. Once we made the decision to move forward everything went very smooth!

Mike made the whole thing easy. Quick, clean, clear and accurate.

Keep us informed step by step abs very accessible. Highly recommended

The experience couldn't have been better. The process was efficient; the required information forms were clear (and not excessive); communication and service overall were excellent. If there were more than five stars, I'd award them.

It was a excellent experience and great/quick communication through the entire process. Thank you for all your support.

Mike was great through the entire process. He walked me through every step of the way. Getting a mortgage is not something I've done many times so it was great to work with a pro. I have recommended him several times so far and will continue to do so.

Awesome experience. I would absolutely recommend Mike!

We've purchased and refinanced many homes. Mike made it very simple. Greatly appreciated!

Mike was extremely knowledgeable, patient, and understanding throughout the entire process house-buying process. As a first-time homebuyer, he made it easy to understand the decisions we needed to make and what the best course of action was to get us in the right home. Mike was always available to answer questions or to provide the documents we needed, which made purchasing a house in a competitive market much easier. If my wife and I had to do it all again, we would go with Mike Schmuelgen and Independent Financial in a heartbeat.

Mike helped me out every step of the way and was always there to answer any questions I had. His follow up was excellent. Thanks for your help Mike. It was greatly appreciated.

Most definitely use him again if necessary.

Mike was extremely professional, kept in contact, called frequently to keep me apprised of the process. We were able to close in 40 days after my mortgage company dragged the process for almost 10 months. I would highly recommend Mike to anyone.

Cash out Refi went very smooth - more than I thought even when during transition from working full time to retirement.. Great Job Mike Schmuelgen.

Our refi loan process went smoothly. Thanks to Mike and his staff for ensuring the experience to be painless.

Mike is the best. He is an honest and trustworthy person who makes sure every component of your loan process is as positive and straight forward as possible. Mike is always available to answer questions no matter how trivial they may be.

Mike provided solid advice on our financing options. No pressure, just good service.

Mike has refinanced two of my mortgages and he always does an excellent job. He is knowledgeable about the industry, but, more importantly, his service is second to none.

The refinance was so easy with Mike and we are going to save a lot of money based on his suggestion. We will definitely use him again if we need to refinance.

Mike was fantastic! He was there to answer all my questions and fought hard to get everything set up before the closing date. I would recommend him in a heartbeat.

Very good experience

Great, responsive service! Very helpful for all our questions.

Mike was extremely helpful throughout the process. He provided timely updates and real information. I would recommend him and Independent Financial to anyone looking to finance or refinance your home.

I had a very good experience with Independent Financial Co.. They worked for my best interest, gave me the options available at all time, kept their promises, always on time when we met for any meetings; responsive to my emails, and calls, It did not matter when I called, weekends, or on week days, Their wordings and behavior were professional and appropriate. More than anything else, they had the knowledge, and experience in their field,. I am very much impressed with their accuracy. The employee who took care of my project was Mr. Mike Schmuelgen from Independent Financial..

I was very pleased with my recent home refinance with Independent Financial. Mike Schmuelgen and his team did an excellent job in moving all steps of the refinancing process very smooth, fast and with easy to follow instructions.

Mike was recommended to me by a mutual friend and was the best part of my experience as a first-time homebuyer. Although I was house hunting in Dallas, Mike never felt inaccessible. He responded to every question I had with a quick and easy to understand answer. I appreciated how much time he took to explain any term or process that I found confusing, and he set my mind at ease more than once when he would point out what might represent a genuine concern or roadblock versus a common stress that any loan applicant will go through. Buying your first home is almost guaranteed to be a stressful experience, especially in the current climate. Mike eliminated more of that stress than I thought possible and was an absolute pleasure to work with every step of the way. I'll recommend him to any friends or family who are purchasing/refinancing in the future, and hope to work with him on all of my future transactions as well.

Great communication and support throughout mortgage process

Mike was very attentive and easy to work with. Made the entire process very easy. My refi closed in about 30 days which seemed very fast based on the horror stories I had heard from about lenders.

Great experience! Would recommend Mike to all my friends and I have!

Mike made refinancing a breeze and that is saying a lot in the age of Coronavirus

Mike was always there when we needed him and was so organized and knowledgable. Have never had a better experience when it comes to closing with a mortgage company.

Mike went above and beyond the call to get our loan done. He treated us like family. We’ll be calling on mike for future loans.

Mike was very easy to work with and he always answers his phone.

Mr. Schmuelgen was incredible. His knowledge and insight made the process easy and efficient

Mike and his team were awesome to work with and will be reaching out if there is ever an opportunity to refinance.