The refi with Charles was seamless! I especially appreciated being notified of progress with simple, short, messages. In addition, I am so grateful for the professional and supportive service throughout the process. I would definitely recommend Excel Mortgage! Less

Charles is awesome! Very responsive and knowledgable. He will work with you to get you the best deal based on your individual needs and explain everything through the process. Less

I worked with Charles on my first home purchase and I honestly don’t know if I could’ve gotten through it without him. There was a few times I wanted to say “forget this! I’ll keep renting!”, but Charles was there and helped me through the process. Would definitely recommend him and if I ever get another house, I’d look to him. Thanks again! Less

Long ago I was in a situation where my mortgage load was not reported to the credit bureau and at that time no body wanted to help me, some lenders told me that it was to much work and little profit, so it happens that I meet Charles and he went the extra mile to helping me to refinance my home. My mortgage load was fixed and my load started to been reported to the credit bureau, but the best part still ahead when 2 years later I contact Charles again and I asked him to help me again not only he got me a lower interest rate but he also got me more cash that any body could.. he is trustworthy and fine person. He also told me what to do to improve my credit score. Today my credit score is over 725 all because I follow his tips up to the letter, I ll recommend Charles to any body that has credit issues or want to refinance a mortgage loan, it is a bless to me when along the way I meet people like him, and I'm grateful for that. ... ps he is a person that work from the beginning to the end not like others that once the the get what they want want they ignore you. Thank you Charles till we meet again my friend. Less

Phil and his Team have been nothing but EXCEPTIONAL! They were quick to help with any and all of my questions and were able to accommodate me and my schedule for a fast and easy home buying experience! Thank you again for all your help! Less

Charles was AWESOME!!! He is very knowledgable and honest. My refi was so easy and he made it so painless that I will never use another broker again. Charles gave me several options that fit my needs and really took the time to answer my questions. If you want an honest professional knowledgable broker Call Charles! Less

Charles Herman is awesome! He worked with me for over 3 years to get my credit to a place where I could refinance my home. He went the extra mile to make sure I was getting the best deal possible and there were minimal distractions from the process. He really knows his stuff!! Less

Charles Herman took me step by step through the purchase of my condo. He expained everthing so I understood what was going on during the process. I highly recommend him for for all of your property buying endeavors. He's very good at what he does and it shows through the whole process. HE'S REALLY AWSOME! Less

I recently closed on a home and Charles Herman helped me with my loan. He was very organized and knowledgeable. He took care of everything. This is my 5th home purchase in AZ and by far the easiest. We were even able to close ahead of schedule because Charles was so on top of things. He did what he needed to do to make it happen. I will be recommending him to everyone I know. He is the BEST!!! Less

My experience with Charles was awesome! Charles did our original home loan 8 years prior, and just helped us with our refinance. Charles Answered ALL of our questions and provided expert advice! He even showed us a side by side comparison of our best options. I was 100% comfortable every step of the way! He responds very quickly to questions, and was very responsive to phone calls, E-mails and text messages. I highly recommend you go with the BEST Mortgage Broker in Az! Thank you so much for all of your hard work- your dedication to your profession put my mind at ease and it was a pleasure working with you (again)! Less

I recently purchased a house and was helped by Charles Herman every step of the way. I am a first time home owner and had no idea of the process or how complicated the process actually is prior to working with Charles. All I can say is 5 stars and thank you Charles for being the person you are and how you went above and beyond for me an my family. Less