Testimonials

Please take some time to read through a few testimonials from our customers and new friends!

“Always good talking with you, Chris. And appreciate everything you do for us and especially the added bonus of your advice. I hope your other clients take advantage of that when working with you.”- Nader J.

“We could not be happier! You’ve done a phenomenal job Chris, and we’ve referred your services to anyone that will listen.”- Chuck F.

“D.J.-I just want to express my deepest appreciation for you and your team!  You guys have served our family very, very, very well and want to thank you from the bottom of our hearts for the life ahead of us you’ve helped achieve! We’re just starting to catch up and are really looking forward to getting the house furnished a house warming and would love to include you when the time comes.”– Miles H.

“I had the pleasure of working with DJ to refinance my townhome. I was impressed with DJ from my initial contact with him–I sent him an email inquiry and he responded almost immediately! That is how it was from start to finish. DJ was easy to get a hold of and responded to my many emails and phone calls in a very timely manner. I felt like he was really working to find the best option for me and my situation. DJ was professional and easy going and made the whole process practically effortless. DJ was a pleasure to work with and I have already recommended him to others. Thank you DJ!!” Kimberly D.

“We closed on our home in less than a month thanks to the hard and timely work of DJ Davenport. DJ found us a low interest rate 30 year mortgage resulting in affordable monthly payments that fit our budget. He knows his business very well. We could have never imagined the process to be this painless, fast and positive given our imperfect credit. Thanks DJ and American Capital Financial.”- Sara and Sheldon B.

“Thank you guys for helping me get my 1st home!  I finally did it, and I’m going to have a lot of fun messing around, at my home!  It seemed like you guys were having fun while making this process simple, and were really accommodating along the way.  I don’t think there is anyone better!”Peter F.

“DJ is an extremely knowledgeable and trustworthy professional.  He successfully helped me re-finance my home and helped me take advantage of historic rates.  I would recommend DJ to anyone looking to secure a home loan or re-finance.”– Keith T.

“DJ and his staff were excellent and very professional. They had endless patience answering questions and always got back to us very quickly. DJ explained each step clearly and even returned calls on the weekend. We have been wanting to refinance for quite some time and DJ knew just how to make it happen!” -Bert and Lisa F.

“I’m not in the habit of writing testimonials but after my experience with American Capital, I felt compelled to do so. I have worked in healthcare for more than 30 years, so I know how important quality customer service can be. I was surprised to find that same commitment when my wife and I decided to try one last time to refinance our home. See, we were becoming pretty jaded with the whole process after having tried twice before with a large “reputable bank” because my wife was very skeptical of working with anyone else. Since we were only seeking to do a straight refinance for what was owed, we thought it would be a slam dunk for our home.  Despite being a veteran seeking a VA loan, having a strong combined income and establishing an excellent credit rating, we kept running into a road block with our past attempts. There were several unfulfilled promises, expenses and several month delays during both inquiries only to find out we owed too much money on our home and were told we needed to provide more of a down payment in order to refinance. Since we did not have a lot of surplus income however, we missed out on the excellent rates during the past two years.  Well with American Capital this time was very different. The president D.J. Davenport worked with us directly and was remarkably accessible and responsive to all of our calls and questions. What makes this story even a little more unique is my first call to D.J. was anything but cordial. I was already angry and spelled out my displeasure with the system. D.J. listened to me patiently and then spelled out exactly what information was needed and said he would get back to us the next day. Surprisingly he did so. The whole process from beginning to end took less than 30 days as promised. In fact the whole process was so easy; we kept waiting for the “catch.”  Well none came and my wife and I could not be happier. One final thing I wanted to share is the most humorous part of the story. We all know that banks routinely sell home loans and ironically ours got sold to the same big box and “reputable” bank we had tried to refinance with before but at a better rate. We are very grateful to D.J. and his team and without hesitation, encourage you to make American Capital part of your research. We are confident after speaking with them you will have a hard time not making them your #1 mortgage financial resource.” Steve and Maria I

“My sincere thanks to Chris for his untiring help with my refinance and for being a rock star with information!  Having spent the better part of six months with another broker who did little to nothing on my behalf, it was a huge relief to be partnered with a person and company who actually  treat the customer well.    I will definitely use them again and would highly recommend them to anyone buying or refinancing their house.  Chris was always on top of things (since I have a USDA loan, he knew more than they did), was forthcoming with information, and kept me updated as the process progressed.  Even with some challenges like a government shutdown, he still was involved and working to complete the process.  He has earned my highest respect and I would not hesitate to enthusiastically recommend him.” -Patsy H.

“I am a first time homebuyer and I was connected to Chris through my realtor. Let me see if I can find one word to describe the level of service I received from Chris: Detailed, thorough, keeps the client informed, keeps the client up to date, knowledgeable, current on what needs to be done to reach the clients goal, the consummate professional, and just down right AWESOME!! If anyone is in the market for any of the products that American Capital Finance offers, I would refer them to Chris and his staff in a heartbeat! You will never go wrong with this group.  Thank you Chris for everything that did. You made the process such a smooth transaction!” – Lonnie G.

“DJ, thanks so much for all of your help.  I really appreciate you taking the time to answer my questions.  Listening to the sellers’ realtor at closing, she said she was really impressed with how attentive you guys were.  She also mentioned that a lot of lenders she’s had to work with would never return her phone calls, or would wait and bring up issues on the day of closing. Ken and I both feel so fortunate that we had the opportunity to work with you.  You helped reassure us over and over again regarding the status  of loan.  With as stressful as this process is without any issues, we’re just so appreciative that we were able to have a lender who really cared about making sure we had all of the information we needed.  We’ll be calling you again the next time we need to get a loan set up.  We’ll also recommend you to anyone we know is in the market.  Thanks a billion.  We love the new house!” -Katie and Ken S.

“I remember hearing a radio commercial by DJ Davenport with America Capital Financial saying that they will beat any rate and the process of the loan will be easy and painless.  I thought this can’t be true.  So, I made a call to D.J. that week to explain my interest in refinancing my current loan. I was surprised when he suggested that right now it was not in my best interest to refinance. Wow! I couldn’t believe that he was looking out for my interests.  We talked a couple more times throughout year and finally it was the right time to refinance.  I just completed the process with D.J this month. I can say that he was true to his word. The process was easy and painless. I got a great rate and completed the refinance earlier than expected.  DJ was professional throughout the whole process. He answered all my questions quickly and promptly and let me know when he needed something.  For the first time in my life, the process of refinancing was so easy.  I would recommend American Capital Financial to anyone who needs a new mortgage loan or needs to refinance their current loan and does not want to go through the normal hassles people experience with other mortgage companies. Thank You D.J and American Capital Financial for doing a great job with my refinance. I really appreciate it.” -Steve S

“I can’t thank you enough for your professionalism through this process.  It’s rare to find someone who is truly good at what they do and you certainly are.  I appreciate all of the communication and your thoroughness with everything.  I will certainly be recommending you to my friends and family.”-Lynn S.

“Not only was DJ able to find us a great rate, but he made sure we were comfortable throughout the process.  That started by thoroughly explaining each of our mortgage options and then focusing on which option best-matched our individual needs.  Anytime we had questions, DJ was always knowledgeable, responsive and pleasant to work with.  In addition to his exceptional customer service, DJ also saved us a significant amount of money by waiting until the optimal time to lock-in our rate.  Thanks to DJ, my wife and I saved on our mortgage payment and will continue to realize that significant benefit as long as we own our house.  We give DJ our highest possible recommendation and would encourage anyone shopping for a mortgage to talk to him first.”-Daniel P. and Elaine W.

“I was slightly apprehensive about refinancing.  I always imagined it to be a time-consuming, complicated, and intimidating process.  DJ and American Capital Financial eased all our fears.  DJ made it as painless as he could for us from application to closing.  He was very responsive answering all our questions in a timely and professional manner.  No question – we wouldn’t hesitate to contact DJ and American Capital Financial for any future needs.  Top notch service!” – Michelle M.

“Being a first time home buyer I had A LOT of uncertainties and wasn’t even sure if my husband and I could be approved to purchase a home. I received a call from Chris Coates after applying for more information online for first time home buyers and his knowledge and superior customer service really eased my mind. From the very beginning I had a lot of faith and most importantly trust in Chris and American Capital Financial. Going through the pre-approval process with Chris was so informative and he told me EXACTLY what I needed to do to clean up my credit in order to be approved for a loan. I took his advice and several month later I called Chris to start the process. Chris was able to pre-approve my husband and I for a first time home-buyer loan and 4 1/2 months later my husband and I closed on our brand new home. If it wasn’t for Chris and his knowledge and the hard work he did for my husband and I, we wouldn’t be in our home today. I would HIGHLY recommend American Capital Financial to anyone who is looking to purchase a home. You will not be disappointed and  very well taken care of for sure. ” Aaron & Keisha S.

“After shopping the market and going down the path with another bank I was referred to Chris Coates from a family member of mine.  After the first conversation with Chris I knew he and his team were the right fit for me and my family.  I had previously worked in the mortgage industry but was blown away by the knowledge and understanding they showed in refinancing my loan.  Chris was able to refinance my existing 30 year fixed rate loan and cut my interest rate by over 1.25%.  We are now in a 20 Year fixed rate loan, we were able to skip two months mortgage payments and our payment went up less than $40 per month.  At every step of the refinance Chris kept me updated and informed on what was going on.  My loan was not an easy deal to get through, I am a salaried plus commission employee.  Chris knew exactly how to submit the loan and which lender to use.   We are now one step closer to achieving our financial goals thanks to American Capital Financial.  I would highly recommend Chris to anyone looking to purchase or refinance a home.” James O.

“We have bought &/or refined 5 times before & Chris was Amazing! He was been brilliant throughout.  We’ve never had a better experience; in fact Chris was 1000% better than our best. Thanks so much for all you have done for us.  You have been amazingly patient & helpful. We really appreciate ALL you have done to help us. Thanks”-Susan W.

“D.J., I wanted to thank you for your hard work and incredible professionalism throughout our recent refi process.  I can honestly say it was a truly great experience – your approach is top notch.  Who would have thought that something as mundane as refinancing a home could be such a positive customer experience?  I wish you much success moving forward and plan to share your information with anybody and everybody I know looking to buy or refi.”– Mark I.

“American Capital Financial Rocks!  My wife and I were anticipating a very complicated and strenuous lending process in purchasing our first home and we were pleasantly surprised with how easy and smooth everything went.  We have heard horror stories and were a little scared, but the responsiveness and expertise we received made us feel like true VIPs and we never once felt rushed or pressured.  We can’t thank DJ and the ACF team enough for all of their efforts and we look forward to working with them again in the future.  They are the best!”– Mike and Jennifer L.

“Thank you very much, DJ and American Capital Financial, for being willing to give so much to make buying the home of our dreams achievable! We were worried with the current poor housing economy that buying a home would be nearly impossible and you made our hopes for a place to call home a reality. Without you making this whole experience so pleasurable I’m not sure we would’ve been able to make it happen. I will most definitely refer everyone I know to you for their home loan needs. Thanks again, Paul and I are forever grateful!! – Jamie and Paul R.

“My wife and I recently consolidated and refinanced our first and second mortgage through American Capital Financial.  D.J. Davenport was our broker throughout the process.  Obviously, nobody is excited about the prospect of digging up personal and financial information and dealing with the stress of analyzing your largest asset – even if it is to save money.  But DJ made the process as smooth and painless as one could hope: he streamlined the process for gathering financial information (without a lot of follow-up requests); maintained contact and communication during the process (including underwriting and appraisal); made any appointments and the closing easy for my wife and I to attend; and had a very pofessional attitude about his work.  He also secured us a fantastic rate and saved us a lot of money.  Without hesitation, I would recommend DJ to friends and family.  Indeed, I already have.” – Jeff and Kristin P

“I refinanced with American Capital Financial, LLC this past summer and could not be more pleased with the service that I received from D.J. Davenport and his team.  Every aspect of the refinance process was clearly explained and smoothly executed.  I was pleasantly surprised by the amount of time and effort I did not have to spend on the process.  Best of all, because of some delays on my part, D.J. had time to reprice the market on interest rates before we closed.  To my surprise, DJ showed up at closing with a better rate because the market had changed again.  It’s this kind of attention to detail that makes American Capital Financial a great option. They took care of the business at hand and took care of me.” – Blake P.

“Chris thanks to you we closed on our house last Friday.  Just wanted to personally thank you for your hard work, a quality valued and quickly disappearing these days. I really appreciate the fast work and getting this done on your part.   We will be sure to get a hold of you for any purchases in the future.  Thanks for helping us out.”-Evan F.

“I would like to extend a sincere Thank You to the American Capital Financial Team for the worry free execution of our loan process and all around home buying experience. A special thanks to D.J. for contacting real estate agents on both sides to ensure timely action so closing would go seamlessly for us. You informed us every step of the way to keep us in comfort every time a snag come along. This is my fourth home purchase and you have by far, exceeded my expectations. I’m positive we will be working together again.” – Dominic C.

“Working with Chris Coates, there were no surprises.  Everything went according to plan, and we even closed two days early!  Chris stayed ahead of the entire process, always keeping us informed, is professional, honest and a delight to work with.  We were amazed at how smoothly and efficiently things went.  Fantastic job Chris!  We highly recommend any one looking to purchase a home, call Chris Coates at American Capital Financial.”– Robert and Rebecca U.

“I just recently bought a house and it was enough stress buying in these tough economic times but when I contacted DJ Davenport at American Capital Financial, a lot of my stress was gone.  He was able to explain things to me in terms that I could understand and was always able to answer my questions.  If I decide to buy again down the road, I will definitely go with American Capital Financial and would refer them to anyone I know!” Kristi A.

“Two things that I most appreciate when refinancing are people that I know can trust and will work in a very timely manner which is what I received on both closings with Amcapfin.” -Quinn D.

“My husband and I recently refinanced our mortgage with DJ and American Capital Financial and would recommend both DJ and the company to anyone.  We absolutely can’t thank DJ enough for everything he did for us throughout the process.  From driving down to my husband’s job to pick up some documents to showing up at our closing, DJ continually went above and beyond.  DJ took the time to walk through all of the loan documents with us prior to the closing and explained them in terms we could understand.  We started recommending DJ and American Capital Financial to all of our friends and family after our very first meeting with him.  The entire process was completely seamless and convenient for us.  This company understands the meaning of customer service and truly takes the time and effort to provide it.  My husband and I have been beyond thrilled with DJ’s services and will definitely use him again in the future!” -Jim and Carrie F.

“When it comes down to it, buying a house is scary.  You’re required to give out multitudes of personal information, put a large amount of money on the line, and the most terrifying part is you have to put your trust in lots of different people. It is for this reason that I am so grateful I trusted ACF to be my Mortgage Broker. I was a first time homebuyer and I had no idea how the process even worked or how to get started.  All I knew is that I had found the house of my dreams and I needed to jump on it quick.  Dj and the ACF group acted immediately.  Dj got my loan rolling and was always available to answer any questions I had or to process any paper work that needed to be completed.  Dj fought to get me the best rate possible. He pointed out necessary fees and stood up for me when expenses should have been allocated elsewhere. He was incredibly thorough and spent the time I needed to feel confident about the whole procedure. The entire time I felt that I had a professional ‘in my corner’. In the end I got an amazing rate and the house of my dreams in a very short time. Using ACF was the best decision I’ve made and I highly recommend them.” -Denise G.

” I would like to take a few moments and share my home buying  experience with American Capital Financial; After years of renting and never owning a home I decided to try and purchase a home for the first time with no idea how to do this!  I decided to work with Chris Coates at ACF.   Chris was able to look at my credit report and explain in great detail where the challenges were and how to go about repairing the years of damage done to my credit report.   Within a month (and I’m not saying it will be as quick for everybody),  my credit score was ready to begin the home buying journey! The process of buying a home is to say the least the most gut wrenching, nerve testing experience I have ever been through and I seriously don’t think I could have gotten through it without the experience, professionalism and knowlege Chris has.   I closed on my first home EVER in October of 09! If Chris is an example to which ACF holds itself and all of its associates , then I would recommend Chris Coates and American Capital Financial to anyone looking to purchase a home. I will definately call them first if I ever need to refinance my existing or purchase another home!” -Jodean G.

“Chris Coates at American Capital Financial is one of the most knowledgeable mortgage brokers I have ever met. When I originally starting talking with him I had some problems with my credit. Chris gave me advice to start fixing those problems and when I came back to him 3 years later he still had my file and was able to to get me refinanced with no problems. He takes the time to walk you through every aspect of your mortgage, all of the options available and is always available to answer any questions that arise. Chris keeps you informed during every step as to changes that go on with interest rates, where your paperwork is in the process or anything else that he feels needs to be communicated.  I recommend him to everyone I come across that is looking at buying a house or refinancing.” -Katrina B.

“I wanted to take a brief moment to write about my experience with the American Capital team.  After completing the brief application process DJ called me back to discuss my credit report and I was completely confused because my score was 73 points lower than it was just two months prior when I financed a vehicle.  DJ was very attentive to my concerns over the drop in credit score and assured me that he would get to the bottom of it.  To be honest, I was a little pessimistic that he would find a way to repair it but I was certainly hopeful because I knew how much it would ultimately affect my potential interest rate.  Within hours DJ called me back with a game plan on how to manage my existing accounts.  After moving some funds around, we waited two weeks to pull the credit again and I was absolutely amazed when the score had completely rebounded to the number I was hoping for.  DJ treated my loan like it was the only one he was working on and devoted a lot of time and energy to go above and beyond my expectations.  I also worked closely with Martin Blunt when it came time to getting all of the necessary documents together.  With the current state of our economy lenders are making it pretty complicated to refinance so the list of stipulations felt like a mile long.  Martin took all of the pressure off of me by diligently working to get all of my documents organized and submitted.  I have never been in a financial transaction of any sort that was completed with no surprises, but everything that the American Capital team said they could do for me, they delivered on.  I would highly recommend DJ and Martin along with the American Capital team for any real estate transaction!”Ryan K.

“Here is my story with American Capital Financial……I was referred to American Capital Financial by my trusted Realtor and at the end of the day trust, proved yet again, to deliver fantastic results.  In January of 2009, I initiated conversation with the mortgage broker whom I originally went with to finance our home.  My goal was to take advantage of low interest rates and refinance our existing home.  My original mortgage broker’s quote was fair, however; American Capital Financial was patient and delivered a lower rate.  The “close process” was seamless and we are saving over $300 a month!!!  We are very thankful for our relationship with American Capital Financial and continue to refer friends and neighbors.  We now have a trusted partner in the mortgage industry!!” – Quincy D.

“After having an awful experience purchasing, and closing on my first home, I was hesitant in putting my faith and trust in a mortgage broker ever again.  But with the rate environment that came in early 2008, I had to refinance, and found American Capital to stand out among their peers as a premiere mortgage broker.  I worked with a fellow named Chris, who’s knowledge and experience was a comfort.  He had a great feel for where the rates were heading and was there at the closing to help with any questions I had.  I lowered my Mortgage Payment by a few hundred dollars, and I broke even on my loan in 3 months.  I have recommended American Capital to several friends and family and all have had similar experiences, and those who could not refinance gained a tremendous amount of knowledge about the mortgage world and what the had to do to improve their specific situations.  Thanks guys for all of your help, myself and my family appreciates it.” -Oliver L.

“I have only praises for D.J. Davenport, and American Capital Financial, LLC. From day one, it was evident that D.J. truly cared about helping me become a first-time homeowner. He was attentive to my personal needs and financial goals. D.J. really worked hard to aid me in the right path to ownership. He was always available to field my questions, and to research options which would work best for me; His efforts were above and beyond my expectations. I felt confident working with D.J., trusted him one-hundred percent, and would recommend his services with tremendous approval.” -Allison L.

“American Capital Financial helped us save $500 a month with a great, unbeatable rate. Not only did we save money, the service we received was extraordinary. My husband and I do not have a lot of knowledge when it comes to options regarding our mortgage and American Capital Financial assisted us by explaining every little detail to assure we understood the loan we were getting into. D.J. Davenport was the gentleman that assisted us with our loan and not only was he patient and friendly, he advised us that if we were able to find a better loan to go with it. He was not pushy at all. This only proved to us that this company was all about helping people get the right loans to benefit themselves. We will, without a doubt, continue to work with American Capital Financial if in fact we decide to refinance in the future.” – Dave and Pauline S.

“Chris has been absolutely a pleasure to work with! His knowledge and effective communication guided me through the refinancing process. Through countless hours and phone calls – Chris was kind, patient, and always informative. After a short time, Chris met my needs and got me the rate and monthly payment I was looking for. I’m pleased to recommend Chris and American Capital to my family and friends.” – Patty C.

“Working with American Capital Financial was the closest thing for us to a slam dunk in the mortgage business. From initial phone call to finish was about three weeks. We couldn’t even get our long time mortgage broker to return our phone calls in that time!  They were knowledgeable, honest, efficient, very service oriented and fast!” – John and Sandy C.

“Our experience with American Capital Financial was great!  D.J. was very professional and went out of his way to ensure that they would find us a loan that suited our needs.  The loan was approved and processed in the time we needed.  They made it very convenient to sign the necessary documents and even had someone come out to our home after work to take care of the paperwork.  This was not my first home loan, so I was very stressed about the closing.  ACF made sure that my closing went very smooth.  I would gladly recommend this mortgage company to anyone seeking a mortgage.  Thank you ACF!” Steve C. and Lisa S.

DJ and his staff at American Capital Financial have helped us twice with mortgage loans.  My husband and I were treated with dignity and respect and everyone worked hard to get us the best deal possible. I am very pleased with the customer service; it’s why I went back to American Capital when I was ready to refinance.  I would recommend this company to anyone searching for a mortgage loan.” -Cathleen and Gerard T.

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I would like to take a few moments and share my home buying  experience with American Capital Financial; After years of renting and never owning a home I decided to try and purchase a home for the first time with no idea how to do this!  I decided to work with Chris Coates at ACF.   Chris was a…
Jodean G.