Total Mortgage Services LLC  

Testimonials

Nikitas is detail-oriented and has a way of making every loan a personal goal of his to get closed. Michael A. , Zikos Realty “I’ve had the pleasure of working with Nikitas for two years. Nikitas has always represented himself to be a professional loan officer who goes the extra mile to help his borrower(s). Nikitas is detail-oriented and has a way of making every loan a personal goal of his to get closed. He is always striving to make his borrower(s) loan process a smooth and easy transaction. I would recommend Nikitas to anyone who is looking to buy a home or to simply refinance an existing mortgage.”

Michael A. Mills “Working with Nikitas has garnered him my highest recommendation. Nikitas is constantly scouring the marketplace and industry publications, looking for new ideas to assist his clients. I admire him for his creative work and his willingness to “give first”. His nearly encyclopedic knowledge of residential lending guidelines, mortgage product structures, and underwriting standards makes him an asset to his clients. His application of this know-how gives him an edge over typical loan officers. He can find beneficial and ethical ways to help his clients in almost any situation. His frank manner of speaking and perennial honesty is heralded as a boon by his clients, who often come into the relationship with negative expectations guided by stereotypes of slick bombastic sales people. In an industry where a good reputation is as hard to come by as it is to obtain, you would be doing yourself a favor to align with Nikitas, as a client, referral partner, or a collateral busines

Nikitas, I wanted to take a quick minute to extend my thanks for your efforts in managing our mortgage refinance. It had been several years since I had been through the mortgage loan process, and I very much appreciated your willingness to “hand hold” me through the entirety. Your prompt and thorough response helped me to remain at ease through the process. Linda Casbeer

This Christmas I received a great gift, a refinanced home. A couple of years ago I received a similar gift when my brother helped me to remove my ex-husband’s name from my home loan with a refinanced loan, but this year he was unable to help me so he recommended Nikitas Kouimanis. Nikitas has been nothing but professional and very helpful from the first moment with the filling out of the initial paperwork until the final refund of my escrow account with my former lender. Nikitas kept me updated with all the ins and outs of my loan and was even available for me at odd hours due to my crazy work and training schedule. Though we have never formally met in person (I am in Missouri and he is in New York), I feel like he took the time necessary to work with me and with my previous lender to square away the best deal for me. I am very satisfied and have already recommended his services to my friends that are looking to refinance. Sincerely, Rachel Graczak

They are indeed very fortunate to have him on their staff. Nikitas Kouimanis is by far and away, the best loan officer with whom I’ve ever worked. His extensive knowledge and expertise, coupled with his consummate professionalism and unflagging “can do” attitude make him an outstanding member in his field, and a true jewel in Sterling National Bank’s crown. They are indeed very fortunate to have him on their staff. Vicki LaBarre

Words cannot express how grateful I am to you for all your help in refinancing my mortgage. At the lowest point of my despair thinking I would never be able to quality or find someone who would help me, I called the servicing company who held my mortgage and they referred me to Sterling Bank. The universe must have been perfectly aligned for me that day as when I called the number given me I was fortunate to find myself talking to you. Everything changed from that moment on. Your knowledge, willingness to be patient and take the time to speak to me, ask me questions, make suggestions and most importantly not lie or give me false hope made my refinancing not only possible but it was a greater savings than I imagined. Your professionalism, sincere kindness and honesty made the entire process flawless and fast. Paula Lewis

“It’s rare to find a person that truly cares about their clients these days. Niki does exactly this and provides such a high customer service unmatched in his field. I encourage anyone to do business with or refer him! I certainly keep Niki in the highest regards! Tom Thompson

Jeff Williams “Nikitas, is a well rounded mortgage professional. I have found him to be direct, honest, and extremely driven. His knowledge of industry products and guidelines are extensive. Nikitas is great as an overall mortgage lending resource.

I would recommend Nikitas Kouimanis to anyone interested in obtaining a mortgage, in fact we have told our son and niece to work with him when they are ready to get a loan. We are extremely happy with the service we have received and with the loan terms . Christopher Lee Navoda Orasa Rice-Ray

Nikitas is detail-oriented and has a way of making every loan a personal goal of his to get closed. Michael A. , Zikos Realty “I’ve had the pleasure of working with Nikitas for two years. Nikitas has always represented himself to be a professional loan officer who goes the extra mile to help his borrower(s). Nikitas is detail-oriented and has a way of making every loan a personal goal of his to get closed. He is always striving to make his borrower(s) loan process a smooth and easy transaction. I would recommend Nikitas to anyone who is looking to buy a home or to simply refinance an existing mortgage.”

Howard Sloane “I have been doing business with Nikitas for the past few years & have always been a hard worker. He has always managed his team in a way that was both professional & strategic. He is a great asset to the company he works for now & any company he worked for in the past.

Loans & Lending - Residential - 1.00 to 5.00 percent for closing costs The percentage above includes total closing cost, third-party fees depending on the product/loan type, etc. The best thing is always to have a conversation and discuss this, and at the time of application, we do send out a loan estimate and have everything broken down for you.