Chad Holte is fantastic to work with and he helped us get a great rate for our home refinance! He's super responsive, extremely knowledgeable, and worked really hard to get us a great rate. Excellent experience! I highly recommend working with Chad.

I had a great experience working with Chad Holte. He was incredibly responsive and always took the time to answer my questions and offer helpful suggestions. We met over Zoom, and he clearly explained every detail of the mortgage process, which made me feel confident and informed. I truly appreciated his professionalism, patience, and dedication. I highly recommend Chad to anyone looking for a knowledgeable and trustworthy mortgage broker!

My wife and I had an outstanding experience with Chad for our refinance. He provided excellent service, communicated well throughout the process and provided the best mortgage rate options. I'm very happy I did some research and found him because he made the process easy and set us up with a loan that made the refinance worthwhile. I will definitely recommend him to friends and family in the future!

Great experience!! Chad was extremely knowledgeable and very quick at getting us a loan. He was helpful with any questions we had.

Chad is a pleasure to work with. He dove in head first to find the best rate, all available credits, and get me the best deal. He's extremely knowledgeable and happily went above my expectations to explain everything clearly so I understood and felt comfortable with the financials of the deal. I'll be recommending him to friends and family without hesitation.

I've had the privilege of working with Chad for over 15 years through my Mobile Real Estate Closing business, and he's been one of the most consistent, reliable MLO's I've ever partnered with. We've closed countless transactions together, and his clients always come to the table informed, comfortable, and happy.

I recently worked with Chad Holte from Dylken Home Loans on the purchase of an investment property, and I can confidently say the experience was exceptional from start to finish. Chad’s deep knowledge of the mortgage process was immediately apparent, he guided me through every step with clarity and confidence, making what could have been a stressful experience feel smooth and manageable. We were working under a tight timeline, but Chad was always one step ahead. He stayed in constant communication, proactively updating me and making sure everything stayed on track. His responsiveness and attention to detail were truly impressive. Whether you're a first-time home buyer or an investor, I highly recommend Chad Holte. He is a true professional, and I wouldn’t hesitate to work with him again or refer him to others looking for expert mortgage guidance.

I've done business with Chad and his team twice. Both my experiences were outstanding. Excellent professional communication and expertise. Chad even answered my questions on weekends. I'm a shop around guy and nobody has ever come even close to beating the rates and low fees that Chad is able to offer. I even got advice that helped me lock in a rate on the single best day in months. Highly recommend! You won't be disappointed.

Chad was great to work with -- very responsive, knowledgeable, and helpful. He made the process very easy for us and always answered our questions quickly to help keep the process moving along without delays. We'd definitely use him again in the future and will recommend Chad to our friends and family.

Chad rescued me when I was frustrated with another lender. He was quick, responsive and thorough from first call and throughout. I am impressed by his excellent skills and customer service. Thanks

Chad was excellent in his communication, I have finance background and am well versed in loan the process, Chad recognized that immediately and asked for only the required relevant documentation and everything flowed thru quite smooth, I would say this one my best experience in refinance

From 1st contact with Chad, everything went exactly as Chad promised. Terms of the refinance and timing of the closing were delivered as promised. Chad always responded very quickly to any inquiries from me, and the entire team worked to get the deal done with no issues at all.

My whole transaction was very smooth, almost everything was handled online/email & no surprises throughout the process. Chad is very helpful, has always provided guidance throughout the process by sending customized videos. I've already recommended few of my friends.

Chad did a great job of answering all of our questions and was very timely in his responses! The process was easy and quick! I would recommend Cambria Mortgage and Chad anytime.

Chad was very communicative and on the ball through the entire process. Everything was smooth and on time. I would use Cambria again without hesitation.

Has been working with Chad since over a month and he has been really good in clarifying all my queries and providing quotes for all my asks. I have decided to wait for some more time and thats why we havent closed this refinancing deal yet. Would continue to work

Chad did an amazing job. The entire process went smoothly and we got an amazing rate on our cash out refi! We highly recommend Chad and Cambria Mortgage!

Answers the phone every time you call gives complete detailed instructions on how to complete everything and help you jump all Hurtles require from underwriters. Ready to close in less than two weeks. I have purchased several homes in the last 30 years no mortgage broker has ever worked as hard.

I have worked with Chad on three occasions: Refinance (2016), purchase (2018), and refinance (2019). Each situation was complicated due to my employment situation, and Chad was helpful and patient and we closed on time. Chad explains what documents he needed and called or emailed when necessary.

Chad (and his assistant, if he is on vacation) are on-the-ball. He is quick with information on your loan and seems to have plenty of experience. We bid on a number of houses before we finally settled down on one and Chad had the individualized pre-approval letters quickly ready each time.

We were pleasantly surprised and grateful to have found Chad H. Smooth, easy transaction. Closed in 19 days with a straightforward refi. Much less stress than normal and that is great. Highly recommend this lender.

Chad is incredibly competent and experienced. Helpful at every turn. Very good at keeping me updated throughout the process. Chad maintained continual communication and made sure that I knew loan status almost daily. My loan was complicated and Chad removed all the barriers.

Chad was very friendly, knowledgeable and responsive. He was on top of everything and addressed our needs fast. Our mortgage cleared and purchase closed smoothly. Final number came out just as the initial disclosure. Their underwriting team is in house so communication back and forth was easy.

Chad was great to deal with from the moment we first started to the end of closing. I talked with multiple other lenders on Zillow before deciding on Chad, just based on our conversation and his reviews alone. He did not disappoint.

Chad had the best rate and lowest fees, which is what prompted me to use Cambria rather than someone local. I assumed that customer service would be the trade-off for having the best mortgage terms, but that couldn't have been more false. Chad was the ultimate professional, highly competent, friendly.

Chad was very to the point and answered all my questions regarding the refinance process and our needs. Was honest and not pressing. Made the process timing just right for us.

Yes, Chad has the most competitive rate and lowest closing cost. But it's the superior service that prompted me to write a review despite my lack-of-sleep schedule. I was relocating to new job & house hunting (including short term rental) thus extremely busy, and my attention to the loan application was limited.

When I was looking for my mortgage, most of them asked me to go with local mortgage agents as it is easy. However, I found online rates to be way too competitive and hence went with Chad - Cambria which had the lowest rates for 7 year arm.

Chad gave us hands-down the lowest rate of anywhere we looked. He is knowledgeable, thorough, and on-the-ball. He had everything done well before our closing date and the entire process went smoothly. It's rare to work with someone with his degree of integrity and competence. We couldn't recommend him more.

I had a mortgage in progress with one of the major companies but when they made a huge mistake about 2 weeks before the close date, the wheels came off of that wagon and I had to look elsewhere. I found Chad through an internet search.

Just refinanced my loan with Cambria. Competitive rate. Working with Chad is easy. He is knowledgeable, accommodating and fast. Would definitely recommend.

As a mortgage broker Chad was excellent to work with. I had a complicated situation and Chad got it done. Chad was very professional and I would use him again

Very good rates and very easy to work with. Very knowledgeable about the lending process and answered all of the questions that I had. Would highly recommend to family and friends.

This is my third time financing a house and Chad was outstanding to work with. He always let me know what needed to happen next and kept me updated on the timeline. Costs were reasonable and rate was exceptional.

I recently dealt with Chad for the refinance of my home. Chad responded to my initial request immediately and completed the entire process in under 3 weeks. Everything was completed according to his initial presented offer and terms. The entire process went smoothly with no surprises or disappointment.

We had a great experience working with Chad. He always got back to us right away and did a great job answering our questions. We also got a great rate. Overall it was our best mortgage/refi experience ever. I would highly recommend Chad and Cambria Mortgage!

Just completed our 2nd refi w/ Chad. Extremely smooth process. 3 weeks to close with low closing costs and great rate. Great email communication. Closing at our home. What more can you ask for.

I submitted an inquiry on Zillow one afternoon and received a quote the next morning. A great quote with options! Chad was very helpful every step of the process. What a great rate also. I shopped around and it was by far the lowest!

Chad Holte was eminently professional, efficient and responsive throughout the refi process. I couldn't be more pleased. From the start, his quote was hands-down the best, and in the end I wasn't disappointed. There were no hidden fees or other tricks; everything was transparent and up front.

Chad was extremely helpful throughout the entire process. Very good attention to detail, great communication and follow through. Would definitely recommend him.

Chad was very helpful, professional, and had great customer service. I highly recommend him and I would use him in the future. He answered all of my questions.

Could not be more pleased. Very responsive, went above and beyond for taking calls/responding to emails. Most important he got us the best deal. Simplified the process. The numbers he quoted were on the closing docs. Chad H has integrity.

What a great experience. We've done this before but never so smoothly. Chad was knowledgeable, creative in putting together a package, thorough in getting all odds and ends taken care of. Will definitely use Chad and Cambria again.

Can't say enough about how helpful Chad was at Cambria. He was very thorough, informative and always had great communication and follow up. Kept me in the loop, told me step by step what to expect and never had any surprises.

Chad helped us thru a very well done re-fi of an existing VA loan. Chad knew exactly what to ask for so that this was the smoothest loan that we have ever participated in. There were small problems getting several documents that we needed, but Chad was able to help.

Chad made the mortgage process easy. He communicated frequently, was personable while being professional, offered good advice, and did all the heavy lifting in the mortgage process. He clarified various mortgage options available to me and made good recommendations.

Chad has an amazing work ethic that is evident in every phase of the mortgage process. As a first time home buyer and selecting to use the VA process, I was much more confident with Chad's support.

Chad was great! He made the whole process as simple as possible. He communicated very promptly and kept me up to date the whole way through. I would definitely use him again.

Chad has been more than helpful so far in helping us to secure the best rate available for my loan pre-approval. We are still in the middle of the buying process. I am confident that Chad will continue through the remainder of the process with the same level of professionalism.

I had an excellent experience with Chad. He was very friendly, knowledgeable, and helpful. We needed a loan commitment letter in three weeks from when our offer was made, and Chad had no difficulties in meeting that deadline.

Chad is a very well organized and professional loan officer. With lending guidelines as strict as they are, you want someone like Chad to keep you on track and the process moving. I did a ton of mortgage shopping before I found Chad. He smoked the competition.

Chad has helped with a very unique set of issues with our VA loan. Starting with pointing me in the right direction to get my certificate from the VA to addressing a previous foreclosure. He has kept me informed with any updates and we hope to close on the home soon.

Refinanced our home with Chad and couldn't be happier. Best rates in town and as painless of a transaction one could have with mortgages any more. Never had any issues getting in touch with Chad either. Highly recommended.

Wonderful experience w/Chad. He helped us with our home refinance and it was easy! He was on top of everything and made the process simple, seamless and painless. Thank you Chad.

I hadn't really intended to do an online refinance, I was just doing a little research and the quote I got looked good so I thought I'd check a little further. Chad called me back the next business day and sent me more specific information.

Chad had the best rates and the best reviews, so I figured I would give him a try on one of my least favorite things to do, refinancing. Chad turned out to be fantastic. Knowledgeable, helpful, and prompt and his website made things very easy to manage. Don't think twice.

I've closed two refinances with Chad. I recommend him highly. I cannot say enough regarding his depth of knowledge about the mortgage business and the excellent service and communication that he, and his whole team provides (from origination, through underwriting and finally closing). Overall, I rate my experience as excellent.

Chad was quick to respond to my questions and followed through on requests in a timely manner and provided me with many options. Refinancing was much easier than we expected. The closing agent came to our home at a convenient time to sign all the documents and was very helpful.

I'm sure it helped that I provided the required paper work in a very timely fashion but the entire refinancing process from quote to closing took only a few weeks. I'm a very number conscious person and double and triple checked everything that Chad provided and it was always accurate.

Chad was very good to work with, I highly recommend him. His responses via phone and email were very prompt. There was an issue with loan approval due to something that my realtor wrote in the purchase agreement. Chad worked with my realtor and I to resolve the issue and get the loan approved.

Extremely fast and easy to refinance with Clearwater/Chad Holte. I received quick responses and the loan closed within a week and a half from my initiating it. Docs were faxed or managed securely online and the final signing took place at my house so it was very convenient.

My fiancee and I got a 30 year fixed rate with Chad. His knowledge and responsiveness made the application and approval process extremely straight-forward, and everything went very smoothly. He even came to our closing!

I found Chad through zillow and went with him because he had the best deal available. Everything went like clockwork. We closed the refinance in just over a week and Chad was extremely prompt with everything he did and he answered all my questions. I would work with him again.

I intended to write this review 1 year ago when Chad helped us refinance our home. If review readers are like me, they are afraid that either Chad's or his rate quotes/closing fees are inaccurate. They are both as good as promised. Chad is a solid communicator and got the job done for us.

Chad was fantastic to work with. We have worked on a number of mortgage refinances in the past and Chad was by far the most professional. All expectations were met and our loan closing was fast and painless. Highly recommended!

Chad was very responsive to our loan refinance. He was able to close our mortgage quickly with only a 15 day lock at a very competitive rate. Last time I refinanced through the bank that had the loan since I thought it would be easier, but it turned out it was not.

Chad was quick to response with any questions we had. The whole process went very quickly, and we closed much quicker than I would have expected. There were no surprises with closing costs or any other fees, everything was as expected. We got an awesome rate.

Rediculously good. Chad was very responsive and patient as I gathered quotes from several others. In the end, what he came up with was literally ~$2500 in net fees better than anybody else for like-for-like terms (we did a 20 year VA refi with cash out to close our existing loan).

Chad was amazing! Extremely responsive, always accurate, and nice to work with. He did an excellent job for us even though there were unusual circumstances in our refinancing. He also resolved an old lien on our property we didn't know existed. We would definitely use Chad again and recommend him.

Worked extremely hard for us under tight deadlines. Very professional and fun to work with.

Chad was a pleasure to work with and I certainly recommend working with him and Clear Water Mortgage. Even though the mortgage market has changed significantly since we purchased our first home in 2005, Chad helped us navigate the more stringent lending policies and we had all our paper work in order.

After the housing collapse and subprime fallout, I've come to expect the mortgage process to be riddled with stress, unwelcome surprises, and an almost panic inducing level of uncertainty right up to the end. At least, that was my experience in 2009 when we got our last mortgage. Had none of that with Chad.

Chad Holte provided exceptional service, and made the financing experience very easy for me. I will recommend him to my friends. He is high caliber professional.

Chad was both very helpful and patient in letting us know what to expect, when to expect it, honest about what hurdles we had to overcome, what signatures we missed, and just over all a great communicator with where things stood, even if it was something we may not have wanted to hear.

Chad was awesome to work with. He was able to get me a lower rate than two other brokers that I was talking with at the same time. He responded to my emails and phone calls in a very timely fashion. After locking in my rate, he emailed me the paperwork right away.

Chad's expertise and professionalism was clear throughout the refinance process. I would not hesitate to recommend him to anybody.

Chad worked very hard to make sure all loose ends were tied up and we were able to close with the rate quoted and in an quick and efficient manner. He is very prompt and aware of the market. He was great to work with even though the mortgage process was stressful.

great job following up

Chad is the rare person in this field - he calls back in a timely fashion. He gets paperwork done properly, is available to answer questions and get the mortgage closed in a proper amount of time. I've used multiple lenders and Chad by far was head and shoulders above the rest.

Chad has been great and offered a lower rate and fees than average banks and credit unions.

informative and honest

Working with Chad was great. The process was smooth and went very quickly. He is honest, professional and thorough, I have already recommended him to friends.

No additional comments.

Chad was great throughout the entire process! He offered us a few loan options we had not considered and we ended up with a mortgage that works perfectly for us. The turnaround was quick and Chad communicated with us at every step and we knew exactly what was going on. Great lender!

Chad was great to work with. The entire process was quick, smooth and completely hassle free.

Chad helped us close within three weeks. He was great in answering questions. He offered the best rate and closing fees we could find. Highly recommended!

He was great to work with and we closed within 30 days. Chads fees are lower then brokers and it was a seamless process.

Chad was very responsive; this was a huge issue for us. We started out with a different Mortgage company and because they were non-responsive for not just days but for a week we came to Zillow and found Chad. He returned calls, answered questions and was very pleasant to deal with.