What Our Customers Say About Us

I had an outstanding experience working with my mortgage agent, Mariana. She was incredibly helpful, guiding me through every step with patience and expertise. The overall customer service was top-notch—professional, responsive, and stress-free. I couldn't recommend her more highly!

Working with Mariana was an absolute pleasure from start to finish. From our very first conversation, it was clear that she genuinely cared about helping us find the best mortgage solution—not just closing a deal. We had reached out to another mortgage broker prior to being introduced to Mariana and were practically shut out of the market with the quoted interest rate. What really stood out with Mariana was her willingness to help around our specific situation and tailor to our needs. She explain every detail in a way that made sense. Whether it was comparing loan options, clarifying interest rates, or guiding us through the approval process, Mariana made everything smooth and stress-free. We never felt rushed or pressured; instead, we felt supported and informed at every step. Communication was exceptional—every email, call, and question was answered promptly and with warmth. Mariana also provided honest, practical guidance that helped us make confident financial decisions for our future. Thanks to Mariana’s expertise and dedication, we secured a great loan at a fantastic rate (given the market) and compared to the previous broker’s rate. If you’re looking for a mortgage broker who combines professionalism, transparency, and genuine care, you must reach out to Mariana Kotzeva.

I can’t say enough about Mariana. Very sweet efficient, patient, and professional. As a first time home buyer I am so happy with her service, she guided me through it all and made it happen. I highly recommend her and will definitely be sending over some referrals. I can’t thank you enough ❤️

Mariana has been such a blessing throughout my entire loan process, especially when it came to finding and securing a HELOC. I had been struggling to get one through other brokers, but then I met Mariana and everything turned around. She guided me through every step with so much knowledge, patience, and care that I always felt confident in my decisions. She’s unbelievably responsive, no matter the time or question, and she truly goes above and beyond to help. When I ran into issues with my paperwork, she didn’t just point out the problem, she walked me through how to fix it and even came up with alternative solutions. I can’t recommend her enough and honestly can’t wait to keep working with her!

We had the best experience working with Mariana at Mutual Financial Corporation! After a long time of trying to get approved for a home loan, she truly worked her magic. The entire process was smooth and fast. Mariana was professional, kind, and went above and beyond to help us make our dream come true. We’re really grateful for her support and highly recommend her!

We had a great experience with Mariana from start to closing. She's professional and knowledgeable, and she's always there to answer any question you might have. Thank you Mariana!.

We are so thankful to Mariana for being by our side through every step — from buying our first home, to our second, and now refinancing at the best rate! You’ve always made things easy to understand and stress-free, and I truly appreciate how much you care and go the extra mile. We couldn’t have asked for a better person to help me through these big moments — thank you for everything! From: Filipov Family

We are so thankful to Mariana,such a professional and amazing woman.I highly recommend it to anyone out there .thank you

Mariana went above and beyond in her service to me for my refinance. She was efficient, calm, and timely during the process. She kept her word with quotes and closing cost fees. There were no surprises. I highly recommend Mariana!

Super easy and straightforward experience on a refinancing, 10 out of 10!

I’ve worked with Mariana Kotzeva several times now, and each experience has been outstanding. Their professionalism, clear communication, and deep knowledge of the mortgage process have made every transaction smooth and stress-free. What I appreciate most is their consistency—they always go above and beyond to explain options, answer questions quickly, and secure the best rates possible. Because of her reliability and dedication, I’ve returned to them for multiple mortgages and refinances, and I wouldn’t hesitate to do so again in the future. I highly recommend Mariana Kotzeva to anyone looking for a mortgage broker who delivers excellent service time after time.

We had a great experience with Mariana . She was professional, knowledgeable and always available when needed. Highly recommend to anyone who is looking for financing.

I want to thank Mariana for making the home buying process stress free. She is very knowledgeable and professional within the mortgage application. It was a pleasure working with her on many different occasions and I recommend her to anyone looking for a mortgage!

Mariana helped us refinance our mortgage and truly exceeded our expectations. She got us the best rates on the market and managed to close everything in under two weeks—something we didn’t think was possible! She was professional, responsive, and went above and beyond every step of the way. We highly recommend her to anyone looking for a mortgage expert who delivers fast, reliable results!

Excellent experience with Mutual Financial Corporation, Mariana was on top of everything during the closing process, the whole team is very experienced and knowledgeable. Highly recommend.

Working with Mariana was great choice and experience. She was very professional, knowledgeable, and patient throughout the entire process. Every question I had was answered immediately and clearly, and she made the whole process easy. I strongly recommend her.

Mariana and her team are truly the best! Very professional and knowledgable. They made sure we had everything to close on our house, and we were even cleared to close two weeks earlier! Mariana answered our calls at all times of the day and made sure that our questions are answered. This is the second time we use her service and it was exceptional both times. If you are looking to buy a property, call Mariana! Elena Simonovski

If you need a loan I would go straight to Mariana! She is tremendously knowledgeable and can assist with first time buyers or seasoned investors. She routinely went above and beyond for me and got me to the finish line when I was under a time crunch. She worked very hard for me and I am sure she will do the same for you!

Mariana was amazing to work with. She is very knowledgeable and was an excellent resource for guiding us through the process of buying our home. She was very accessible and available throughout the process to answer questions (even on the weekends). She went above and beyond our expectations…we highly recommend Mariana!

Mariana and her team helped us second time with our home load. Can't thank you enough!!! Always has a great suggestion for what's best, specially in times like this with high rates! Answers are given right away for any questions. Smooth and easy closing!!! Looking forward to work again! To all above I would like to add that if you are looking to refinance, Mariana and her team are your people as well. Everything went smoothly and fast! I knew we can trust Mariana, we are always in great hands with her. Thank you!!!

Mariana was very helpful throughout our application process. She explained everything in detail to us and gave us amazing advice to help with the loan. We felt like we were in professional hands and are very happy with the outcome of our mortgage. Great job Mariana and team.

I had a wonderful experience with Mutual Financial Corporation. Mariana is professional, responsive,helpful, made every thing simple and most important- got me the best rate. Highly recommend!

Mariana and Olga helped us with our first home purchase and mortgage. With a private sale and no realtor it was very helpful to have their guidance! Easy to coordinate and quick communication. Wonderful experience! Thank you!

Amazing professional

I would like to express my sincere gratitude to Mariana. She has been exceptional in assisting me with the purchase of my first home. Her responsiveness and willingness to help have made this experience seamless. I will certainly recommend her to anyone I know who is looking to buy a house. Thank you once again for everything.

Finally we purchased the dream home of my family, which would never have been possible without the professional help of Mariyana Kotseva! An uncompromising professional ready to provide the best conditions for her clients! We had heard from friends about the vast experience and professionalism that Mariyana possesses and now we can finally confirm it from personal experience! We thank you from the bottom of our hearts for being a part of our home buying adventure, Mariyana! I unreservedly recommend that everyone who wants a quick, professional and uncompromising home purchase under the best conditions to contact Mariyana Kotseva !

As a former Loan Officer I thought I had all my ducks in a row for quick closing through a close friend of mine in the business only to find out 2.5 months into the loan it wasn't going so smoothly just about to give up on the property my realtor suggested I give Mariana a try as she just closed a unit in the building that day that I have been trying to . So I gave her a call not knowing what the outcome would be And within 14 days I received a clear to close She was my miracle worker to say the least. She was confident from our 1st phone call to the last .Pleasant and Professional went above and beyond to get my deal done . I will be sending her so many of my friends in the future and so pleased with my rate I am truly grateful for all she has done

Mariana saved a deal another lender wouldn't do with lightning speed. Excellent lender.

I had an amazing experience working with Mariana. From start to finish, she made the entire mortgage process smooth, stress-free, and easy to understand. She was always available to answer my questions, explained everything clearly, and guided me every step of the way. Her professionalism, responsiveness, and attention to detail truly stood out. Thanks to her hard work, I was able to secure the best loan option for my needs and close on my home without any issues. I highly recommend Mariana to anyone looking for a reliable and trustworthy mortgage broker.

Exceptional professionalism. Mariana made the process seamless and fast. Great experience and it was a great pleasure working with her.

I had an excellent experience working with Mariana Kotzeva From start to finish, she was professional, knowledgeable, and responsive. She took the time to explain every step of the mortgage process clearly, answered all of my questions promptly, and ensured everything moved forward smoothly. Thanks to her expertise and dedication, the entire process was stress-free and efficient. I highly recommend Mariana Kotzeva to anyone looking for a reliable and supportive mortgage professional.”

Had the pleasure of working with Mariana and Olga over there at Mutual Financial Corporation. Gotta give it to them ! Fast, cooperative and willing ! Had and amazing and stress free experience. Can’t wait to use their service again !

Mariana is wonderful! She made the entire experience stress free. She made sure to always respond quickly and advise us the best possible. She always made sure we understood everything and explained everything detailed. She’s very genuine, polite and she was amazing at guiding us through the process and ensured we got the best deal possible. Very grateful to have her as our loan officer!

she do everything what she said, great communication and great experience, she help me for my new home. thank you so much nikola

The most diligent and hardest working broker in the business. Loved working with her to getting my loan closed. Again!

Working with Mariana and Olga for my mortgage was an absolute pleasure! They were incredibly knowledgeable, responsive, and guided us seamlessly through every step of the process. I was in a rush to close in less than 3 weeks and if someone can do it, it will be only them. I highly recommend their services for anyone seeking expert financial assistance.

"Working with Mariana was an incredibly smooth and positive experience. From start to finish, she were communicative, proactive, and made a complex process feel surprisingly easy. Our loan officer, Mariana Kotzeva, was always available to answer our questions and provided exceptional guidance. We felt supported every step of the way and highly recommend her!"

A big thank you to Marianna and her team for making the entire process so smooth and stress-free! Their expertise and professionalism truly stand out—they clearly know exactly what to do and how to guide you every step of the way through to closing. Communication was effortless, and they were always available to answer any questions.

Mariana Kotzeva was a godsend for us clueless first-timers! She answered every question with patience, found grants we qualified for, and secured a rate far better than expected. Our home exists thanks to Mariana’s skill and dedication!"

Mariana helped me with a loan for my first home and she’s been my trusted loan officer ever since. High integrity and very skilled professional. Highly recommend.

Working with Mariana was truly a game-changer in our home-buying process. From the very beginning, she was responsive, transparent, and knowledgeable. As first-time homebuyers, we had a lot of questions and Mariana took the time to explain making sure we felt comfortable. Thanks to her dedication and expertise, we were able to secure a loan to our dream house. I highly recommend Mariana to anyone looking for a trustworthy, professional, and friendly mortgage broker.

Professional, helpful, financial management skills, knowledgeable, happy to work .

Mariana was amazing throughout the whole process of securing the loan and completing the real estate purchase. She is an excellent communicator, very efficient and pleasant to work with. We are highly recommending her to everyone with mortgage needs!

“Mariana Kotzeva is phenomenal! She achieved clear to close on my loan in just 8 days from application, showcasing unmatched professionalism and expertise. Her positive attitude and responsiveness made the home-buying process seamless and stress-free. Mariana was always available to answer questions and handle details, going above and beyond at all hours. Her extensive knowledge gave me total confidence. Highly recommend Mariana for an exceptional home-buying experience! Thank you, Mariana—I’m truly grateful for your help!”

I had the honor of working with Mariana. Professional, available all the time, with an answer to every question. Always ready to do her best to make me as a client satisfied. And I am! Thank you Mariana from the bottom of my heart! 🫶🏼

Very helpful and professional! Next time I buy a property I will definitely call her again.

Mariana is the best lending agent. She is very understanding, patient, knowledgeable, and friendly. Whatever we asked for, she was ready to meet our expectations and even exceed them. There is no doubt that when we decide to buy a property again in the future, she will be our first choice for lending agent. Thank you, Mariana!

Mariana was really good to work with, she helped me throughout every step of the process. She is full of experience, knowledge and I got the best rate possible because of her. Thank you!