Capital Family Mortgage in Missoula, MT

I will not use again. Ever. The staff at CFM are not professional in the following ways: 1. They do not return phone calls and email in a prompt manner. It can take them days to return a call. When a call is asked for, only an email is received. 2. Their is no urgency in their office to complete your paperwork. No tests of mine were expedited even though my closing date had passed and my rate was set to unlock in a matter of days. 3. The general attitude was not helpful, cheerful, or appreciative of my business. Instead it was surly, tense and short. 4. The ownership of the office does not care that my experience was not happy. No overtures of any kind were offered to apologize. 5. Promises of timelines were broken constantly. Nothing was done (paperwork, submitalls, etc) when they were said to be done. My contractor, real estate agent and I often got conflicting explanations. 6. The communication in the office was nearly nonexistent. The week I was supposed to close, my broker decided to be out of the office all week and did not alert us at all. 7. The promise of a promotion of $500 upon closing was reneged.

My husband and I just had an excellent experience with Capital Family Mortgage. Sam was excellent and knowledgeable which was comforting as we had a tight time line and really wanted to close in 45 days. We closed on September 8th and felt very prepared for closing. We were very grateful that we had no last minute rushing around and Sam made sure we had everything in place. He went above and beyond for us and locked us in at an excellent rate which ultimately allowed us to purchase our dream home. We will certainly recommend Capital Family Mortgage to any friends or family who are looking to buy a home!

We have gotten several mortgages through Teresa at CFM. Teresa and staff are very professional and kind, and are unusually helpful when it comes to explaining the different kinds of financing/mortgage options available. I have recommended many friends here, including several first time home buyers and I always get good feedback from those friends. Highly recommend.

My husband and I were referred to Sam at CFM, and I am so grateful that we were! As first-time home buyers, we were very nervous and uninformed about the whole process (me, especially). Sam, however, was incredibly knowledgeable, patient, and helpful. He responded quickly to any and all questions we had, whether in person, via phone, or email. Any time I felt the need to panic, Sam came to my rescue with thorough explanations as to why I shouldn't. I sincerely believe the process could have been a complete nightmare without Sam's genuine concern, his knowledge, his kindness, and his constant confidence and reassurances. If and/or when we are ready to purchase another home, Sam and Capital Family will most certainly be our choice. I cannot express strongly enough how truly enjoyable our experience was, and how that is entirely Sam's fault.

Worst experience ever. Only want you to go through them at a ridiculous rate and refuse to give any outside options or ideas in order to help you get into a home. If you have student loans at all they won't work with you. Was told I had to work 2 40 hour a week jobs in order to qualify for a mortgage loan since they only count 41% of income to go towards housing payment. They count 1% of total student loan amount even if you're on income based repayment plan or deferment. Save you're self time and money and heart ache and go through somebody else