Sam is pleasure to work with. His professionalism, commitment to getting things done on time, and approachable personality combined with integrity makes all my transaction flow with ease. I trust Sam of City Center Financial with all my deals and have been working with him for over 15 years. He specializes lending, therefore making the process even easier since I only have to deal with one person.
He knows his trades and I have recommended him to many of my clientele, friends, and family. Thanks Sam for all your hard work and dedication to getting the deals done right every time. My wife and I signed a quick purchase contract and Sam delivered for us. He was quick, efficient, and got things done on time and faster than we expected.
He knows his trades and I have recommended him to many of my clientele, friends, and family. Thanks Sam for all your hard work and dedication to getting the deals done right every time. My wife and I signed a quick purchase contract and Sam delivered for us. He was quick, efficient, and got things done on time and faster than we expected.
Services
The City Center Financial team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Our Mortgage Advisors here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan. The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two. An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
Refinancing a mortgage is when a borrower gets a better interested rate and loan term. A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower. There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
Reviews (19)
Katie M.
May 27, 2021
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Sam was amazing to work with. We went with him both times when we purchased ur properties. He was very responsive and answered any question we had. If we had a burning question at night I was able to text him and he would respond. I highly recommend him as a loan officer!! It was a pleasure working with you!
Hanjiro A.
May 13, 2021
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Shabnam Y.
May 12, 2021
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Mike W.
Feb 25, 2021
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Sam is pleasure to work with. His professionalism, commitment to getting things done on time, and approachable personality combined with integrity makes all my transaction flow with ease. I trust Sam of City Center Financial with all my deals and have been working with him for over 15 years. He specializes on real estate transactions as well as lending, therefore making the process even easier since I only have to deal with one person. He knows his trades and I have recommended him to many of my clientele, friends, and family. Thanks Sam for all your hard work and dedication to getting the deals
Barbara B.
Feb 17, 2021
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Noemi G.
Jun 25, 2020
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Tamara H.
May 29, 2020
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Ray Z.
Jul 13, 2019
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Gwendolyn N.
May 23, 2019
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I was really desperate when I began working with this agency. I had two loan agents prior who in over a year had failed to obtain a replacement loan. I was facing the loss of my home, not due to my failure to provide the necessary documentation or proof of income, but their dragging out the loan process, ex. asking for incredibly intrusive, personal information that had never been required previously, asking me to sign documents I had never seen before, failure to answer questions about the process, etc. etc. . Then I began working with Samuel Heng of City Center Financial. Because the other
Jennifer H.
May 07, 2019
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Tennille F.
Mar 10, 2019
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Simon H.
Mar 06, 2019
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AdolfoAmanda C.
Oct 12, 2018
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Pedro C.
Sep 10, 2018
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Sam is awesome! He is very knowledgeable and helpful. It was our first time buying a home so we didn't really know much on the topic. Sam helped break the process down for us step by step. He gave us various scenarios that applied to our lending situation. And, once we chose the type of loan we wanted to take. He got us approved quick and closed the loan on time! We will definitely be working with Sam again in the future.
Rebecca D.
Aug 15, 2018
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Sam Heng made buying a home easier than I could have imagined. He was available whenever I needed him, was extremely efficient and timely. I bought one home prior to this one and the difference was amazing! I got the rate I wanted and it was as stress free as buying a home could be! My mom did a refinancing through him as well so it goes without saying that I would recommend him to a family member!
Sandy N.
Aug 08, 2018
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Sam is AMAZING!
Because he's a Real Estate Agent and a Loan Officer, we were lucky enough to have him help us on two separate occasions. With his savvy real estate skills, he assisted us in sell our home super-fast for top dollar. We live out of town and Sam took care of everything that needed to be done. He constantly kept us informed of each step, so we were always engaged. He gave us peace of mind with the entire process of selling our home.
About six months later, we called on Sam again for his lending expertise. Again, Sam was fantastic! He did a tremendous job helping us close
Because he's a Real Estate Agent and a Loan Officer, we were lucky enough to have him help us on two separate occasions. With his savvy real estate skills, he assisted us in sell our home super-fast for top dollar. We live out of town and Sam took care of everything that needed to be done. He constantly kept us informed of each step, so we were always engaged. He gave us peace of mind with the entire process of selling our home.
About six months later, we called on Sam again for his lending expertise. Again, Sam was fantastic! He did a tremendous job helping us close
Angelique P.
Feb 01, 2018
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Sam was FANTASTIC! We contacted Sam to refinance our home out of an ARM. The rate was creeping up on us and we needed to close fast before the new higher, expensive rate kicked in. Sam not only closed our refi faster than we thought he found a rate that was lower than we were expecting. Out of everyone we contacted Sam found us the BEST RATE!! He helped us save money and keep our financial goal of paying off our home before retirement. I would recommend Sam to everyone that I know. THANK YOU SAM!!!
Steve A.
Jan 28, 2014
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Serina F.
Dec 27, 2013
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Refinance went smoothly and quickly and now we are saving money every month. Sam was very helpful and explained the details of our refinance thoroughly. Couldn't have asked for better customer service.
I definitely recommend this company and I have already sent some family members to Sam for their home loans.
I definitely recommend this company and I have already sent some family members to Sam for their home loans.
