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Mark Scarrow PP

Mark Scarrow

Senior Sales Manager

NMLS# 178678
11020 David Taylor Drive
Suite 415
Charlotte, NC 28262
704-719-4096
484-594-2266

About Mark

With over 19 years of financial services experience I am here to assist you in all your financial needs.  As the #1 originator in the company for the last 3+ years I have learned how to take what the client says they want to accomplish and obtain those goals.  I will listen to what you are wanting to accomplish and we will talk about what your goals are today along with your future financial needs. At the end of the day this is YOUR purchase or refinance and I am here to assist you as your Mortgage Consultant. I will walk you through this very SIMPLE process of a purchase or refinance. The many clients I have helped over the years have come back to me for assistance time and time again due to the step by step guidance I have provided. I have learned that providing knowledgeable council, being customer focused, knowing my products, listening to the client's needs and ALWAYS asking what their expectations of me are critical to a SIMPLE process.

I will be completely committed to providing your EXCEPTIONAL service from our first conversation for your application to post closing your loan.

Mobile: 561-889-6400

Lending Specialties

New Penn offers some of the top mortgage products available in the market today. With low down payments, low interest rates, and reduced closing costs, our loan programs can help improve your financial situation.  Some of our most popular products include:

  • Fixed rate mortgages: 30, 20, 15 & 10 year terms available
  • Adjustable rate loans: 10/1, 7/1, 5/1, 3/1
  • Jumbo loans: Borrow up $3 million with competitive rates
  • FHA loans: Provide more flexibility in credit, income and equity/down payment requirements
  • VA loans: Mortgages for Veterans and Active Military
  • Renovation loans: Facilitate home improvements
  • Real Estate investor loans: Flexible financing to refinance or purchase investment properties
These calculators are only meant to estimate results based on the information you enter. They do not take into account all factors that you should consider when choosing a mortgage, nor can we guarantee that the terms you enter reflect terms actually offered by New Penn Financial.

What Clients Say

“My new home in TN was made possible by Mark. He is a great professional and did everything that I needed to make the loan process very easy. His staff took care of all my needs and he was always available to answer my questions. Mark is super person and a great guy!!” – Mark W; 7-31-2017

"Mark was amazing through the entire process. My home buying experience was super simple, and Mark was always available to answer questions. I would highly recommend working with Mark." - Mike P; 7-25-2017

“Mark did a fantastic job walking me through what I thought would be a complicated and lengthy refinance process. I was referred to Mark by a friend who had worked with him before. With Mark's help, the process was simple, straightforward and fast. He took time to explain each step and answered all of my questions along the way (no matter how basic). I will definitely recommend him to others, and I won't hesitate to work with him again should the need arise. Thanks, Mark - you exceeded my expectations!” – Haley B; 7-10-2017

“Mark came to my rescue when I thought buying a home would be impossible. He walked me through step by step and has yet to leave my side. His team his awesome as well. Everyone is very professional and takes pride into making sure you are aware and comfortable with the whole process.” – Ramon S; 6-29-2017

“Mark Scarrow was incredible through the entire process. Calls and emails were returned very promptly and throughout the process. Mark made me feel like a true friend. It all lead to me having a great deal of confidence in his abilities and I would highly recommend him!” – Sam C; 6-26-2017

“Mark was wonderful to work with throughout the mortgage process. He took the time to explain the mortgage process, walk me through the breakdown of fees and credits, and to help me feel comfortable and at ease with the overall experience. At the end of the day, Mark was our choice, because I felt that he was going to get the job done, and get it done right. My husband and I are small business owners, with rental properties and a complex income situation. Mark knew how to handle it right from the beginning to make the process smooth.” – Valerie H; 6-15-2017

“Mark was always following up and moving the process forward. Informative and helpful he put his client's request at the top of his daily duties and I now own a home. GREAT JOB!” – Angel L; 5-31-2017

“Mark was great to work with. Made my loan options very clear at the onset and offered very competitive rates. The process couldn't have been easier which is the opposite of my experience with past lenders.” – Matt W; 5-25-2017

“Mark helped me from the start of my refinance until I was closing. He is extremely easy to work with and always available to answer questions. I would definitely recommend him to anyone.” – Melanie L; 5-23-2017

“Mark was easy to work with, he let me know what to do, he kept me on track, and he made the home buying process painless for a first time home buyer like myself. My husband and I are very grateful for his help. I would recommend using Mark for all home loan needs as he is very knowledgeable.” – Tiffany L; 5-23-2017

“I don't believe that the process could have been any easier. As a first time home buyer, I knew nothing about what to expect. Mark explained everything to me in a way that I could understand and was always available to answer any questions I had.” – Tony M; 5-18-2017

“My wife and I loved Mark. He answered EVERY question, and was always there to help with the highest form of professionalism. He went to the moon and back to make sure everything went smoothly during our home buying process. No flaws. Mark was always in constant contact with us, and kept us up to date. I honestly would recommend Mark and his team to anyone. Fantastic communication, and a hard working team made our home buying process very successful and stress free! We can now walk into our new home comfortably and confidently! Thanks goes out to Mark and his team for an amazing job-well-done!” – Molly L; 5-16-2017

“Very easy to deal with and just a great person to do business with. This is our 2nd time dealing with Mark. He always responds to emails, texts and phone calls rather quickly. He did not waste my time and seems like a straight forward person.” – Tim P; 5-14-2017

“I think Mark Scarrow is one of the most professional lenders I have ever dealt with as a buyer. He is extremely knowledgeable about all things related to the financial complexities of real estate lending. I appreciated his good advice, guidance and insight over the length of the borrowing process. I would recommend him to anyone seeking a mortgage.” – Matt E; 4-25-2017

“Mark was fantastic. From the time of offer to close he did it in 16 days. Our situation required the stars to align and he was able to get it done. He was always available or was always prompt to return calls and explain the details whenever we asked.” – Henry K; 4-12-2017

“Mark & his Team pulled it off again. Very thorough, knowledgeable, capable lending team. Mark delivered once again extremely professional, comprehensive service on a tight time schedule. Our 30 day fast settlement was able to be shortened by almost a week. I have worked with Mark before and will certainly use him again.” – Cam B; 4-7-2017

“Mark has assisted me with 4 mortgages now. Every time I closed in time and with a great rate! His professionalism and responsiveness is second to none and he is hands down the most knowledgeable and capable Mortgage professional I have ever met. Work with Mark, and you'll find yourself referring everyone to him. I have sent him several referrals and everyone I've sent him is as happy to know him as I am. He has done 2 mortgages and 2 refi's for me.” – Dante L; 4-5-2017

“Mark was excellent and gave us helpful advice throughout the entire paperwork process. We could not be more pleased with the professional service and encouragement we received from him. We are happy to recommend his services to others in need of a loan.” – Ron B; 4-5-2017

“Mark was great throughout the entire process. He made buying my first home very easy, and I would absolutely use him again. Would highly recommend!” – Lauren H; 4-4-2017

“This was our second home loan we have done with Mark. He is absolutely wonderful at what he does and makes the process as simple as possible. Any time you have a question he is there to answer. Mark is a great guy and wonderful at what he does. He helped us close in a VERY short period and we are so grateful! Use Mark, you won't regret it!!” – Tracy H; 3-31-2017

“Mark Scarrow is very professional, patient, understanding. Through my process of purchasing my home, Mark always made me feel like I was his ONLY client. He returned all calls regardless of the day of the week and while he was on vacation. He took the time to go through each step of this process and made sure I had a clear understanding before moving forward. I have and will continue to refer Mark to my friends and family. I am truly grateful to have worked with such a remarkable person.” – Gina R; 3-30-2017

“Mark was the best! I didn't know what all to expect being a first time home owner however, Mark walked me through the process and went beyond on many occasions for me. Mark even came to the hospital when I was admitted for a week to get info to make sure I had everything that was needed. Answered phone calls after business hours ect. Mark was just amazing!” – Molly L; 3-23-2017

“What was great about my lender was the service I received from Mark Scarrow and his associates. Even while he was on vacation, he was still in contact with me. He took the time to explain everything. I even ended up with a lower interest rate than what we first talked about. The only part of the process that could have gone smoother was the appraisal, but I realize that's out of the hands of the lender. All in all, I would definitely recommend Mark Scarrow and New Penn Financial.” – Ryan M; 3-21-2017

“Mark Scarrow has been our "go to" mortgage services provider for refinance and now for new home purchase. Mark's knowledge and professionalism backed by New Penn Financial, LLC made our purchase financing without any surprises. What was said and quoted in the beginning was what was on the Closing Document at closing.” - Ben G; 3-21-2017

“As a first time home buyer, Mark made the process effortless and smooth. It is always easy to get in touch with him and he guides you along the way. Would highly recommend.” – Kristin M; 3-20-2017

“Please accept our sincere gratitude for the professional and hassle free home mortgage services experience through New Penn Financial.  Being a past mortgage banker myself, I know that a great home mortgage origination experience is not automatic.  Mark Scarrow has been our "go to" mortgage person through refinance and now purchase.  Mark has always been knowledgeable and professional in his mortgage counsel.  That cannot be said of all mortgage companies as demonstrated by the first online mortgage company with the buyers of our home.  Without the "face to face" contact they had approved a loan they could not close.  Through all this New Penn Financial kept their commitment to us through the entire closing process. 

Thank you again Mark for all that you did to make our new home purchase a great experience.” – Bruce & Rosanna G; 3-19-2017 

“I walked into the home buying experience like a fish out of water and had no idea what any of the rates, percentages, or numbers even meant. Mark walked us through the whole process and even helped us a find an amazing realtor. Mark and his team are great and we will definitely be using him again for any future purchases.” – Cassie M; 3-13-2017

“Mark is knowledgeable and provides excellent customer service. He spent a lot of time walking us through options that helped us decide the best financial arrangement during refinancing. I would recommend using Mark without any hesitation.” – Kirk J; 2-7-2017

“This is my first experience with buying a home. I wasn't sure what all to expect, which intimidated me to a certain degree. Thanks to Mark, this process has been the opposite and much quicker than I'd expected. Highly recommend to anyone!” – Zach U; 2-6-2017

“It was my first time buying a home, and I was doing it on my own with a very short timeline. I had heard stories of all the headaches and things that can go wrong in the lending process. I asked people I trusted for a referral and was given Mark’s name by both my mom and my chiropractor. I couldn't have had a better experience. I felt like Mark was really working hard in my best interest, and I was very grateful for that. He was with me in the process from beginning to end and was at my closing with me. He was incredibly responsive and helpful with all my questions and he made sure to find ways to help me with things that made my situation unique. Working with Mark was such a seamless and positive experience because he went above and beyond to make me feel that I could trust him to take care of me personally and be the expert on his end so that I didn’t have to be. It felt like having an advocate, rather than a business transaction. ” – Karla K; 2-3-2017

“Mark was an excellent loan officer and made sure I understood every step of the process. This being my first home buying experience I felt a lot more at ease knowing that New Penn Financial was helpful and had me set up for success.Cassie M; 2-2-2017

"I was a first-time homebuyer and Mark was extremely helpful to me in navigating the mortgage process. He was always available to answer questions I had (and I had many) and made sure to let me know to stay in touch if I had any issues. I can tell Mark prides himself on providing the best experience for his customers. I will recommend him to my friends and will use his services again when the time comes.  - Tim P; 1-30-2017

“I was a week away from closing with another company and a friend of Mark's referred me to him. He saved me from a disastrous deal and wowed me with a new one! He was top notch and helped me make a great decision.” – Carey R; 1-12-2017

“Mark was GREAT!! As a first time homebuyer he made sure to explain everything that I may have had questions on. He quickly responds to emails and documents. I could not have asked for a better loan officer and would strongly recommend him to anyone! He really made my loan process very easy and quick! ” – Tay L; 12-30-2016

“I would definitely recommend Mark if you have a mortgage or refi need- he made the process very easy. He was very easy to get into contact with and was able to clearly explain the process. ” – Amy L; 12-29-2016

t throughout the entire process of purchasing our home. He made sure everything was very convenient and hassle free as possible and was very knowledgeable. We was able to get a good rate and close fast. (Closed in under 30 days). Anytime I needed to get in touch with Mark he was available and if he wasn't able to answer his phone or text he would return my calls as soon as possible. Even while he was on vacation he called me and had time for any of my questions. I would recommend anybody wanting to have a stress free experience and a lender who is out for your best interest I would recommend calling and working with Mr. Scarrow. ” – Will M; 12-16-2016

"Mark was terrific! Very knowledgeable and extremely helpful every step of the way. He always kept our best interests in mind, and made things run smoothly for my wife and I. We are first time home buyers and know close to nothing about buying a house. Mark was very patient and explained everything so it was easy for us to understand. He made sure we didn't take on more than we could afford or feel comfortable with. Also able to finalize our loan in less than 30 days so my wife and I could move into our new house before Christmas and the birth of our first child. Definitely going to recommend him to anyone looking to buy a home.” – Tim P; 12-15-2016

“I can't praise or recommend Mark Scarrow highly enough! He exceeding ALL my expectations & then some! Mark is knowledgeable, thorough, helpful and unbelievably responsive (he remained in constant communication with me throughout the home buying experience). As a first time home buyer, I was anxious and intimidated by all the unknowns of the process. Mark simplified the end-to-end process for me in a way that put me at ease and made my home buying experience a pleasant one. Mark's excellence is driven by his passion for client satisfaction and I'm grateful for the opportunity to have worked with him in my home buying experience! Look no further - Mark Scarrow is exceptional!” – Pamela M; 12-13-2016

“Great Service! Mark provides amazing service and definitely simplified the loan process for us. We would highly recommend him! Mark is extremely devoted and easy to work with!Lori P; 12-12-2016

“Mark turned what was turning into a nightmare experience into the best thing that has happened this year. Our new home! Mark took a confusing, ill managed and deteriorating deal and sorted through it to completion. He was detail oriented and available every step of the way. Every buyer should be as lucky as we were. ” – Zach U; 12-6-2016

“Mark was great to work with. He stayed in contact throughout the process and answered any questions. I highly recommend working with Mark on your purchase or refinance. Greg T; 11-18-2016

“Mark has helped me close on two homes over the years, most recently a very quick purchase in Colorado. I called Mark and provided him little notice and with his knowledge and professionalism I was able to close on the home in under two months. I highly recommend Mark for any Home, Mortgage, loan or Refinance needs. I cannot express enough how satisfied I am and how well taken care of my family is while working with Mark. Mark will also follow up periodically with me and provide information on rate changes and is always available for questions. I will continue to work with Mark in the future." - Adam W; 11-7-2016

Mark was GREAT! He explained everything in a way I would understand. He was also available anytime that I needed to talk to him or had a question. I will definitely recommend him to others.” – Cindy P; 10-26-2016

“Mark was awesome! He is the reason I am using your institution. He was thorough, helpful, and professional. I would recommend him to any of my family and friends. I will meet him at closing and get to say thank you in person.” – Kathy V; Huntersville, NC; 10-10-2016

“Mark was fantastic and very responsive. He took the time to answer any of my questions and was very quick to do so. Mark even helped with the purchase of my home by assuring the sellers of my financial standing. Would deferentially recommend Mark.” – Deloris C; 9-14-2016

“I HIGHLY recommend Mark! It is refreshing to find an individual with such high integrity, strong work ethic, and dedication to service. Mark has an impeccable character! I am very thankful for the opportunity to have Mark handle my mortgage. I have utilized him for several years and for several transactions. Mark worked tirelessly each and every time resulting in smooth transactions and experiences for me. Mark's meticulous attention to the details, thorough explanations, and full disclosures of information were outstanding and helpful. I barely had to do a thing! Each friend of mine wise enough to listen to my referral has been just as satisfied with his services, as well. Thanks Mark!” – Elizabeth R; 9-13-2016

“Mark was incredible to work with. He took me through step by step and carefully explained everything that was happening and patiently answered all my questions. He was very patient and never made me feel like I was asking silly questions. Also because of the time difference between Arizona and North Carolina we had calls and emails at very strange hours but he never complained. It was a pleasant experience from beginning to end.” – Jeff W; Durham, NC; 9-1-16

“Very responsive and helpful! Quick to respond and supportive in the process. Mark was flexible in getting us get the information we needed and was extremely attentive to our account. I would recommend Mark for all of your financial needs.” – Heather H. 8-25-2016

“Mark is awesome! He made the home buying experience painless and enjoyable. He is very thorough and makes sure to explain the process in detail. There are no surprises with him. He was super helpful in showing all available options and offered solutions when challenges arose. I highly recommend Mark Scarrow and New Penn Financial. Thank you for everything that you did!” – Celia C; Fort Mill, SC; 8-24-2016

“Mark has been very easy to work with, fast in response time and very knowledgeable with home mortgages. The closing on my home loan went very well. I would highly recommend Mark and appreciate the efforts he took to see that this process went smoothly.” – Elizabeth G; 8-15-2016

“Mark did a wonderful job on my refi. It was done very quickly and even the closing was done at my home. I didn't have to drive to a lawyer’s office. I highly recommend him.” – Bob S; Huntersville, NC; 8-8-2016

“My association with Mark began as a result of a referral by my sister. He quickly made contact with me and assessed my needs. He streamlined what was previously a difficult process. He has been very helpful throughout and explained every step. You can imagine my excitement when Mark made me aware that my dream of home ownership was imminent. If you ever dreamt of owning a home, I highly recommend Mark Scarrow. He'll help make your dream a reality!” – Vivian L; Concord, NC; 8-2-2016

“Mark was recommended to me by a friend. His customer service and rate of response were second to none. He seemed to work around the clock to close my loan quickly. Mark knows his stuff and found a loan option for me that my bank didn't mention, and he got me the lowest rate, a win-win! I appreciate how willing he was to answer all of my questions along the way. I can't say enough good things about Mark.” – Elizabeth H; Houston, TX; 7-19-2016

“Mark is very knowledgeable and professional and saw my loan through from start to finish. I was very comfortable working with Mark and appreciated his willingness to answer any questions very quickly. Mark was always available, very organized and straightforward with all information related to my loan. I will definitely work with Mark again for my future loan needs and recommend him highly to my friends and family. Mark is a trustworthy professional and I would highly recommend him to handle your loans.” – Ramsey T; Raleigh, NC; 7-13-2016

“Mark has been amazing through our first home buying experience! He even called the sellers personally after his work hours to reassure them of our purchasing power. This was the reason they selected our offer over others. We would highly recommend him!” – Renae K; Charlotte, NC; 7-1-2016

I started working with Mark via a referral from someone else and I can see why he was highly recommended! The entire refinancing process was extremely easy and very quick. Mark was amazingly responsive to all my questions and was obviously invested in making sure we found the best option for my situation. I can't recommend Mark highly enough!” – Amy Y; Charlotte, NC; 6-28-2016

“Mark has been truly helpful in our home buying process. He's very helpful and willing to go the extra mile to get the ball rolling. I was very impressed and would recommend him highly to anyone that is going through the home going experience.” – Hal S; Rock Hill, SC; 6-24-2016

“This was our second time using Mark for mortgage and loan services. He is always available, timely, polite, and puts the customer first. We opened and closed our refinance in less than 2 weeks. We will continue to use New Penn Financial and Mark for all future endeavors.” – Brad G; 6-16-2016

“Mark was very thorough and knowledgeable about the process and product that was best for us. He is very professional and a pleasure to work with. Would recommend him to all my family and friends.” – Chip C; Harrisburg, NC; 6-7-2016

“Our experience with Mark has been the best dealings we have ever had with a company. He was incredibly knowledgeable and always responded to every call or email immediately. The aspect that was most impressive to me, however, was that he took time to explain everything to us. When you are an outsider to this industry, it can be incredibly confusing and overwhelming which leads you straight into frustration. Mark talked to me like I was his college buddy - and it was a breath of fresh air in this monstrous process of buying a house. Mark is one of those rare good people out there, and I am so grateful we were able to work with him - thank you so much!” – Beth C; Colfax, NC; 6-1-2016

“This is my third experience with Mark. He has assisted me, now, with two purchases and a refinance. As expected, he made this transaction easy, stress free, and quick. I have recommended Mark to many of my friends and will continue to do so.” – Julia E; Charlotte, NC; 5-27-2016

“Mr. Scarrow is a very knowledgeable professional. He assisted me and my wife closing on our home. The process was fast and no issues. Highly recommend Mr. Scarrow to all my family and friends.” – Franklin L; Humble, TX; 5-25-2016

“This guy is as close to excellent as you can get. His passion, professionalism, experience and diligence is demonstrated with the ease and precision that any investor or first time home buyer would expect during the home buying or refinance process. He is humble and honest which I think supersede his other qualities.” – Jackson L; Charlotte, NC; 5-16-2016

“I have worked with Mark three times and have had the same consistent, helpful non-rushed service every time. Mark has helped me to refinance my home securing better rates over the years. He is easy to talk to, reassuring and very responsive I have never had to wait more than 2 hours for a response whether it be phone or email.” – Lynn B; Murphy, NC; 5-16-2016

“Second time around on a re-fi with Mark. So helpful and professional. Would highly recommend giving him a call before you buy or re-fi. Knows the lending guidelines and got my next two payments deferred. Very happy with the service” – Tawny W; 5-13-2016

“Mark was absolutely wonderful answering all our questions and helped make the process so much less painful. He always returned our phone calls and emails right away. We were able to sign a lot of forms electronically with him, which worked easier with our schedules. He was able to find us the lowest rate to refinance our home. We were able to close very fast with his help. He is very professional and we would definitely use his services again.” – Dayana M; 4-26-2016

“Mark has helped us with our 2nd transaction, a refinance of my home.  He's thorough, knowledgeable and he delivered results. I have already highly recommended Mark Scarrow to my neighbor when she is ready for her refinance. Thanks Mark!” Minh N; 4-25-2016

“Mark, thank you for working with us with our home refinance.  I have purchased and financed several homes and never had an experience as smooth as this one.  Everything was handled exactly the way you said it would be.  Very quick and no glitches.  We appreciate it very much and will definitely refer you to anyone we know is in the market.” – Jim S; 2-26-16

“This is the third time I have used Mark Scarrow as a loan officer. Every time he has made the loan process simple and everything has always gone smoothly. He is always on top of things and is there to facilitate things every step of the way. I highly recommend him and refer him to anyone I know who is considering a loan.” Jeffrey M; Charlotte, NC; 2-22-16

“My name is Tim, and recently Mark Scarrow helped me refinance my loans for my 2 homes.  I was thoroughly impressed with his knowledge, i.e. able to save me money for my second home which I pay the mortgage for my mother-in-law, who can’t afford the payments. This opportunity was never shared with me in the past. His knowledge about the rules associated with financing a home with my circumstance was the sole reason I decided to go through with refinancing. Mark was professional throughout the entire process, and I will always recommend him to anyone who asks me about financing.” – Tim T; 2-7-16

“I really appreciate your astounding perseverance and good humor throughout this entire process. You made it your mission to make sure that we could get the job done and I truly appreciate your dedication, skill and good humor in helping me navigate the underwriting and loan approval minefields. I know you like music and good food so you should make a point to come and visit Austin someday. If you do, I hope you will give me a call so I can thank you for your help in person.” – Richard K; 2-1-16

“I just wanted to write you to say thanks for helping me with my loan.  I called a few people when beginning the loan process.  I immediately felt as though you had a handle on home loans and that you were someone I could trust.  This was my first home loan and it was important I had someone that would be professional as well as upfront and honest with this process. Having said that, I truly believe that you were meant to handle my home loan.  You went above and beyond your duties.  You helped talk to the agent, owner and even guided me through the inspection and negotiations!  When all was said and done, you made the process easy and stress free. Thanks again and best wishes for a successful 2016.” – James M; 1/14/16

 

This letter is to share the exceptional service I received when refinancing my two investment properties located in Northern Florida.  I have worked in the secondary mortgage market for the past 20 years and am very aware of the requirements necessary to meet the Fannie Mae and Freddie Mac guidelines, especially those imposed after the Great Recession.  I have also bought and sold over fifteen properties over my Real Estate Investment career and have also worked in the Primary market and am a licensed Real Estate Agent in the state of Virginia.  I feel that my history and knowledge and experience in the Secondary make me a good judge of a great service, and New Penn Financial is just that.  I had one person to whom to ask questions, pursue ways to accomplish the refinance the process and ultimately secure financing for my investments.  Mark was always there to answer questions and offer alternative ways to accomplish the task at hand.  He strove to achieve my refinance goals before the end of the year, and we began on November 27th.  That is a record in my book especially for two investment properties located in a different state than the owner or financier.  All my future financing needs will be directed towards New Penn Financial, as this should be the standard that all other Lenders use as Best Practices.” – Frances L; Herndon, VA; 12-29-15

“I would like to let you know how professional Mark Scarrow is.  On my first phone call with him I explained that I had dealt with other mortgage/loan companies and had been run in circles to the point of pure frustration. I explained this to Mark during our first phone call and told him I didn't want my time wasted, and he made sure that was the case every step of the way. He called me or sent me emails whenever needed, and made himself readily available. He was able to be contacted even on weekends in the supermarket and always answered me in a very timely matter.  He has great customer service skills which is hard to find nowadays. He is a huge asset to your company and I will be sure to recommend him and New Penn Financial to anyone I can.  He knew this was my first house purchase and walked me through every step.  He didn't give me any false information and was able to keep everything on schedule for closing.  He is very thorough and has a lot of patience especially when working with clients like myself who don't know the process as first time home buyers.  I appreciate everything he was able to do for us and I can’t wait to move into my house because of what New Penn Financial and Mark were able to do for my husband and me.” – Shannon and Raul V; 12/16/15

“Mark, we wanted to thank you for all your hard work. I know that my deal was nowhere near easy let alone normal. My family and I appreciate that you never gave up on us. Any time we hear of someone thinking about buying a house you are the first person we recommend! Even my realtor states how amazing you are. That says a lot coming from him. I hope that this email finds you in great health and your years to come prosperous. God bless.” Rachel V; 12-14-15

“I really would like to send my THANKS to you for your expertise and professionalism throughout my new home loan process. You brought the sense of calm through the entire process, even when my situation was less than ideal :-)  I am very appreciative of that quality in you. Now that our family is moving in, and will start settling down in the years to come, I know that I'll want to reach out to you when there's an opportunity to refinance, or perhaps buy yet another property :-)  

Again, thank you for making it possible for us with this new house.  I'll talk to you again.” – Minh N; 12-2-15 

“I'm writing this letter as a humble note of appreciation for the outstanding service provided by you, Mark. You were very attentive, and listened to all of my concerns with a great deal of patience. You have also ensured that I received all the information regarding the new contract. I would love to recommend you and New Penn Financial to anyone who needs your service. Keep up the good work.” – Savannah E; 11-11-15

“First, I would like to say thank you for helping me to lower my interest rate to 3.9% from 4.5%, cut 4yrs (from 24 yrs to 20yrs), kept almost same monthly payment, and also skipped one month of mortgage payment which provided me more financial flexibility for the upcoming holidays. 

Also, I do appreciate your prompt responses. You solved all problems whenever I faced some issues connecting to my loan. What I liked most was your positive attitude and prompt reply which makes it a pleasure to work with you and it made me feel really comfortable during the loan process. I am sure that you are one of the most valuable assets in your company. I hope to work with you in the future.” – Hunsoo P; 11/8/15

“I wanted to take a minute and say thank you.  You provide a fast and very easy path to home ownership.  You were on top of all the paperwork and never let things lapse or take excessive amount of times.  You were always available to help assist with providing me very in depth emails for everything required.  I have dealt with others and I never once had to track down answers from you and you responded with in minutes not hours or days.   Thank you so much for the excellent quality of service and I really look forward to working with you in the future and will highly recommend you to friends who look to make home purchases.  I knew my case would not be easy and you made it seem as if it was one of the easiest to have approved. Thank You.” – Tom A; 10/29/2015

“Hi Mark!  Now that we are closed I want to take a minute to say thanks for all of your help in making the mortgage process as easy as I think it could ever be!  You know how they have that statistic that says buying a home is the most stressful thing you can ever go through because of the mortgage process?  Well obviously these people aren’t working with lenders like you and NPF.  I seriously can’t say enough how simple and low maintenance this process has been and how grateful I am to you for making it so. See you next time it’s time to buy!” – Shane J, 10/20/15

“Mark, I just want to take a moment and thank you for all you did on getting our closing done in such a smooth manner. We have purchased many homes, and this is by far the easiest (and less painful) of all to date.  Even though there is so much paperwork required, you walked us through it and took care of every detail.  Even better, there were no last minute glitches! Even though we don't plan on ever purchasing (or better yet, moving to) another home, we would not hesitate to recommend you to all our friends or anyone else who might be looking to purchase a new home. Once again, thank you!” – Albert and Debbie L, 10/19/15

“On behalf of my wife Laura and myself, I want to thank New Penn Financial and specifically Mark Scarrow for an outstanding and exemplary experience during our home buying process.  Mark’s professionalism, outstanding service and attention to every need and concern we faced made the entire loan process as simple and bearable as we could have ever hoped!  We are so grateful to Mark for his sincerity and personal touch he gave us dealing with certain issues within the application to ease our fears and make us feel comfortable and completely informed throughout the entire loan process.  He also very adroitly coordinated all information exchanges, email forwards, and document transfers etc. with our other bank as they did our HELOC to help finalize the purchase.  I never had a doubt with Mark in the lead that things wouldn’t be done perfectly and ON TIME. Mark coordinated everything, kept us informed virtually daily on things, and went the extra mile in so many ways for us.  We are so grateful to Mark, and highly recommend him to any of our friends who are purchasing homes.  New Penn Financial is very fortunate to have someone like Mark Scarrow who is expertly capable of navigating all the details and issues that come up in the loan process.  We never doubted he would close the deal.” – Jim and Laura W; 10/9/15

“I'd like to compliment one of your employees, Mark J Scarrow, for the excellent service he provided me last during my home purchasing process. Mr. Mark J Scarrow helped me understand the process and guided me towards finding the necessary documentation needed in order to complete the process.

I have been pleased with the service I receive from New Penn Financial. It is important to note that Mr. Mark J Scarrow 's professionalism and ability to help me understand the process and his “I am available for you 24/7” type of customer service exceeded my expectations. Such a commitment to great customer service is to be commended. You can be sure that I will continue to do business with New Penn Financial for years to come.” – Angel V; 9/17

“Hi! Just wanted to thank you so much for your assistance with my refinance!  You always make these transactions so easy.  It’s a pleasure working with you and I will certainly refer you whenever I can!  Thanks again!” – Julia E; 9/15/15

“Thank you so much for your help with my refinance. You made the entire process easy and hassle-free. All communication was timely and informative. I will definitely recommend New Penn Financial to anyone that it seeking a mortgage lender.” – Larry C; 8/31/15

“I want to thank you for all your hard work through the refinance to my home. You were always very helpful and professional and understanding. I appreciate you walking me through this process, it was quick and painless. I appreciate your attention to detail and your professionalism throughout the process. You made yourself available to me any time and you were very prompt in returning my calls and responding to my questions.  Thank you again for doing an excellent job.” – Sam E; 8/13/15

“I would like to say thank you for assigning Mark Scarrow to work with my wife and I in acquiring this new loan.  It was a very pleasant experience to have someone who was both professional and very personal during this process.  Mark was always there to answer all of our questions and very quick to respond to those questions.  I cannot believe how quickly this whole process took having experienced other home loans that seemed to drag on forever.  Mark deserves all the credit for getting us quickly through this process and keeping us informed every step of the way.  I give him and New Penn Financial a five star rating.” – Michael S.; Timberlake, NC; 7/29/15

“Mark, thanks so much for all your help over the last couple months. I gotta say, you made it a lot less stressful on us. Nights, weekends and even a holiday-- you answered our emails and calls. It made it feel like we already had a friend in Charlotte. I don't know how you keep everything so organized, or how you just knew the answers to our questions, but it was nothing short of amazing.

Thank you again for all you've done for us to make this long distance buy smooth. Of all the things that cause stress during a big move-- I thought buying a house would be at the top. I'm glad I was wrong-- well done.” – John P; 7/15/15

“Eddy and I want to thank you so much for making it possible for us to buy our first home. You were there to help us every step of the way and answer the many questions we had. It was a long process but we're finally there and we have you to thank for that.” – Diana S; 7/2/15

“Mark Scarrow is an unbelievable loan officer. I have purchased and sold over a dozen homes and he is by far the best I have ever dealt with. This was my third time working with him and his attentiveness and concern makes you feel like you’re the only loan he's dealing with. He will call day and night and he will answer his phone day and night to get the loan processed as efficiently as possible. I can't say enough about his communication skills! I don't think I ever waited more than 30 minutes for a response to a text or email and it was almost always right away. I have already referred a few people to him and I will continue to do so. The mortgage process is a nightmare.... Unless you’re dealing with Mark Scarrow and New Penn Financial. Heather B was phenomenal as well as the underwriting team.  Thank you Thank you Thank you for the way you handled my loan and closing almost 2 weeks earlier than originally stated. I appreciate you and I will certainly be talking to you soon.” – David N. 6/19/15

“Hi Mark – I just wanted to write you an email to let you know how much I appreciated the ‘mortgage refinance experience’ I had.

As a retired employee of a large bank, I could have chosen to work with that bank since I would have received several employee discounts. I am so glad I decided to work with you and New Penn Financial. As a small business owner, I knew my application would require some special handling. Unfortunately, I didn’t think the bank where I had worked would be able to deliver and I was worried that if they messed up it would make it more difficult for me to get financing elsewhere.

Given our initial conversations and your assurances you could handle my situation, I decided to put my trust with you. I was very pleased with how smoothly it went. I know we had a few small hiccups with the appraisal and my cash flow but you handled it calmly, efficiently and still delivered on my cash out request. I can’t begin to tell you how happy I am that I decided to give my mortgage business to you. Thanks again.” - Sandra E; 6/15/15

“Mark, I wanted to let you know that I closed on time today and everything went very smoothly! Now the fun of moving and painting begins! I wanted to take a minute and say a very heart felt "Thank You" for all you did through this process! You made a stressful process much easier. You were there for me when I know other mortgage professionals would have not been! I cannot thank you enough for going the extra mile with the HOA issue and for answering every question I had without fail, hesitation and never making me feel like I was asking something "dumb". And for answering every call and email even at night or during the weekend! All I can say is WOW! As I told you the other day I will give your name to anyone and everyone I can! And when the time comes for me to buy again you better believe you will hear from me! Again, Thank You for all you did, you are outstanding in what you do and your service goes beyond the norm and that's what sets you apart! Have a great weekend and if anyone would like to ask me about how you did please give them my number or email! Thank you!” – Kevin G.

“I want to thank you for all of your help, wisdom, and knowledge in my entire VA home loan process. You were extremely timely, professional, and helpful throughout the entire project from start to finish. I had always heard horror stories of applying for home loans and you got me qualified when my own bank would not. Not only did you get me qualified, but also for way more than I imagined. We closed on time (ahead of time), and there were not any hiccups on your end. Even our real estate agent was impressed, as their company typically only deals with a handful of their own lenders. You were always available, virtually 24/7, via phone, email, and text-messaging. I highly recommend New Penn Financial and I will most definitely send business and good words your way. I will plan to use you if we ever refinance or purchase another home.” –  Brian G.

“Mark I would like to thank you for all your help through the refinance of my home. You were always helpful professional and understanding. I know I was not so easy to deal with because I am older and not used to all this new technology sending personal info thru email and fax but you were a chap and made me feel secure and walked me through the whole process. Thanks for all your help.” – William P.

“Thanks for assisting me with 2 loans with New Penn Financial.  You did a great job.  I really appreciate that you made it a painless process. (And that I turned my rentals into money makers). Thank you.” – Mark and Debra P.

“Hello, to Mark Scarrow or whomever, I would like to thank you for your timely, professional, and knowledgeable handling of my refinance of my home. You made the process a good process and everything was exactly as you said it would be thanks. I would gladly conduct business with you and the company again in the future.” – Alan C.

“I wanted to thank you once again for the fast and professional manner in which you handled my refinance that settled last week. I really appreciate the care and attention you provide to your clients. Once again this refinance was painless, speedy, and provided a very competitive interest rate and charges.” – Carol G.

“I am a new borrower with a mortgage that just went into effect as of Thursday when I closed on my home in Ballantyne. I am writing to you to tell you how wonderfully your organization is represented by Mark Scarrow.  He made a process that can be sometimes complicated, frustrating and occasionally disappointing very easy. I am just now getting back into the housing market after a short sale a number of years ago and you are likely familiar with my file. Mark was phenomenal, walked me through my options, explained what kind of lending institution you were, and basically held my hand through the whole thing. I wish there were more people like him in service organizations. He made my move to Charlotte start off on a fabulously positive note and I am now not only a loyal client, but a walking advertisement for New Penn, all thanks to Mark. I specifically asked him for your contact information so that I could reach out to you with this message. Thank you for having someone like him on your staff.” – Gail M.

“I just wanted to thank you for all your help on refinancing my rental property. I know I had some unusual circumstances to deal with and your focus really helped this along without any incident. I appreciate your attention to detail, the constant follow up and delivery on all you promised.” – Bruce V.

“Thank you again for your help and I appreciate you walking us through this process. I will definitely recommend you to anyone we know that is looking to refinance or purchase a new home.”Marshall C.

“I wanted to let you know we are moved in and very happy with our new home!  I appreciate your making our loan experience quick and easy----even calling us on the weekend to give us pre approval and working with our realtor in a professional manner.  I think everything went smoothly at the closing and I am sure you were behind the scenes helping make that happen.”Anita W.

“Alex and I can't thank you enough for the wonderful service you provided us on our refinance. We have and will continue to praise you and New Penn Thanks again. Happy Holidays.” - Alex and Cathy A.

“Hi Mark - just a quick note to say thanks! I really appreciate all that you did in making my re-fi happen - it was really quick and relatively painless.  I really appreciate your responsiveness and professionalism throughout the entire process.  Due to my travel schedule this week, you managed to have my closing date last Friday as I had requested - this worked out perfectly for my wife and I.  I will definitely inform my friends and colleagues about contacting you at New Penn Financial. Again, many thanks - it was great working with you on this. Best regards and happy holidays.” Dr. Michael P.

"I just want to say what a positive experience I had throughout the refi process with you and New Penn Financial! The extra time you spent exploring our financial goals, discussing all options and combing over details were above and beyond my expectations. The follow-through was impeccable, as was the entire experience. I will definitely be back and refer a plenty!  Thanks." - Shane S.

"We just did our refinance closing yesterday evening, and I wanted to let you know that Mark Scarrow did such a wonderful job with our loan! It was 20 days start to finish, and that was with us taking a few extra days to get the docs needed! He was very professional and patient. The notary he sent to do our closing docs was also very professional and thorough. I wanted to let you know how pleased we were with the whole process! Thanks so much!" - Marie K.

"Thanks for all your hard work. You were great to work with because not only are you knowledgeable about refi but you are also very patient! I know at times we were not the easiest clients to work with but you hung in there! Life with a toddler and infant, new jobs, surgery and "involved" parents makes things crazy for us. We are very happy to be saving about $300 a month and appreciate all your hard work and professionalism. If we need any help in the future we will definitely give you a call." - Jessica, Mike, Nolan and Chase Z.

"I had a great experience with Mark Scarrow throughout my refinance process. He was extremely helpful and professional. He offered me day and night hours if I shall have any concern and questions about anything. I was very worried going into this refinance process, but he made me feel comfortable and worry free. During the process he kept me updated of all the things that were going on, he didn't just leave me hanging with no idea of what was happening. We talked about closing on the 15th of May and we closed on the 18th of May. Very impressed with his work. I highly recommend New Penn and Mark to any friends and family." - Bao Yang

"I would like to say it was a pleasure working with you over the past 6 or 7 weeks. We are extremely thankful that New Penn was able to help us out when it looked like all the doors were shut for refi's. The overall process was a great experience from initial contact to closing. I have no complaints and would recommend New Penn (especially Mark) in the future. I appreciate all of the emails, texts and phone calls as I know I can be bothersome with questions. I know that if I did have a question, you had the answer right away or within 15 or 20 minutes and that is important to me. Thank you again for everything and I will be in touch concerning our rental house to see if it will be beneficial or if we can refi that one as well." - Brandon S.

"Thank you so much for your assistance with our refi loan process. It was a pleasure working with you and you went above and beyond in helping us with the additional FEMA elevation survey process regarding the flood zone issues for our property. We appreciate your attention to detail and follow-through with all that encompassed the loan process. Your professionalism and positive attitude are truly assets to New Penn Financial, and we will recommend you to our friends for their future mortgage loan needs." Jeff and Donna J.

"I want to thank you for the excellent work that you did on my refinancing and for helping me with my identity theft situation. Had it not been for you diligent work I would not have been able to refinance my condo. I truly appreciate your efforts and the extra attention to detail that you provided." - Carol G.

"I have worked with Mark Scarrow on refinancing my home for the past month. He has made the process incredibly straightforward and painless. He did a fantastic job of addressing all my issues and concerns in a very timely fashion. I have already recommended him to some of my friends considering purchasing a home or refinancing their existing homes." - Mark S.

"Just a few lines to let you know how much Karen and I appreciate the way you handled our refinance. Although I haven't met you, I feel as though I know you. You dealt with us in a very professional manner, but you also treated us well personally. I will not hesitate to recommend your services to anyone I know who needs to restructure their home mortgage. Thanks again for JOB WELL DONE! Best regards and God's blessings to you and your family." - John F.

"I just wanted to drop a quick note and express Melissa and my sincerest thanks for helping us again, this time with a rental property refinance. Once again, the process was painless and went quickly. If we had any questions or concerns, you always got back to us very quickly with an answer. I know that you are working on other loans, however, it always felt that ours was the only one and the most important. It was just very nice to see that you helped us get this thing refinanced when before we were told it could not be done because it was not our primary home. I will certainly pass along your information to friends and co-workers. Thank you again." - Brandon S.

"I just wanted to send you a sincere thank you for refinancing our loan. The process was easy and went smooth from start to close. I was very impressed with both the speed at which you were able to do the refinance as well as the fantastic rate of 2.87%! I will recommend you to anybody looking to take at a loan, send me a few business cards." - Jeff and Keri M.

"I want to thank you for your dedicated effort and the professional manner you demonstrated all through the loan process. This new loan will reduce my monthly payment by almost $400 per month. You also provided sound guidance in switching insurance companies. I saved over $700 per year with this as well. I will highly recommend New Penn Financial to all my friends and associates for future mortgage financial needs. Thanking you again for your great service." - Garland E.

"I just wanted to let you know we closed on our loan tonight! It has been great working with you. I would and will recommend you to all my friends and family. I wish you and your family the best! Thanks for making this a smooth transaction and helping us to save a lot of money! God bless." - Melinda S.

"I just wanted to send you a quick note thanking you for all you did in helping our refinance come to fruition. You cut through several obstacles and streamlined the entire process for us. I also appreciate your attention to detail and your professionalism throughout the process. You made yourself available to us at any time and you were very prompt in responding to any questions or problems which affected us. You handled these problems quickly, effectively and you made us feel as if we were the only clients you were dealing with at that time. I would, and will, recommend you to my closest friends and family members as you are a man of your word and a person who truly cares about his clients! Again, thank you for your hard work on our refinance." - Michael N.

"This is just to thank you for helping me to refinance my home. I tried after my wife passed away with my previous lender, but had not luck. I did not try again until I received not one, but two hand written letters from you saying you could help me. I had my doubts and did not want to be disappointed again. I finally gave you a call and you took my information over the phone. Within a few hours you called me back and said I had been approved. I could not believe it. You got my rate lowered and saved me over three hundred dollars a month! Not only that but changed my insurance company and saved me even more money. I could not believe how prompt you were. The transaction went really smooth. With your professional knowledge as well as your kindness, I was able to do this refinance. I would like to thank you and New Penn Financial for making this possible for me and thank you for all of your hard work." - Don S.

"Just wanted to drop a line and say thanks for your help with the loan. As you know, when I contacted you I was working with another mortgage company as well. In the end you won my business due to the level of customer service you provided, the superior deal, proactive assistance, regular updated and effort. I will certainly refer others to you in the future." - Donna E.

"Just finished refinancing our home! What a wonderful experience it was working with Mark Scarrow. Mark did a phenomenal job with keeping me informed and made sure I understood the process every step of the way. I highly recommend this company and especially Mark Scarrow." - Roshane B.

"I would like to take a few minutes to personally thank you for all the hard work you put into helping us with our recent refinance. I appreciate that you spent more than an hour on the phone with me during our first conversation answering the many questions I had and explaining the process to me. Enduring the sceptic I can be, you were seemingly nonplussed by my diligent research into your company and the endless, even personal queries I presented you with in the following days. As promised, the entire process took less than six weeks and was almost painless. I appreciate your constant and unvarying availability any time I called. I was made to feel as though I was your only customer and highest priority throughout the entire process. That is indeed a rarity in today's business world! I hope your company, and the representatives I deal with in the future are as personable, reliable and professional as you have proven yourself to be. I wish you much success in your future endeavors; I hope your company recognizes and rewards those such as yourself that daily exhibit diligence, tenacity and excellence. Regardless, if you continue on in your current mode, you will surely succeed in whatever you attempt. Not the least of which will be to forge a reputation as a man of his word and one worthy of the certitude others place on you. Thank you again for your dedication and availability. If you ever get close to Memphis, please look us up. I would truly enjoy meeting your and your family." - Kate A.

"I wanted to take a moment to let you know how pleased I am with the service I received at New Penn. I had been trying to refinance for over a year with more than one institution and kept hitting the same wall, my income had declined due to our nations failing economy. Mark called me and asked some questions to see how he could help. I told him my situation, which was I could not afford to spend money on a gamble; the reduction in income was the reason I needed to reduce my mortgage amount by hopefully getting a lower rate. He completely understood, and took a genuine interest in my situation. Mark said he would look closer at my file and get back with me. I can only say that people like Mark are the reason people like me still have hope and still believe people still truly do want to help each other. I accept the fact that my situation is completely my responsibility. I was asking for help, to make my home affordable. Mark Scarrow made this possible, and for that I am more grateful than one could possibly know. Mark not only asked me for information that was needed to proceed, but explained why it was needed, which made me know that I was as important to him as he was to me. In closing, I would like to thank Mark and New Penn for giving me the opportunity to keep my home. If everyone would provide the level of service and care to their customers that I received from Mark Scarrow, our country would be strong again because we would all be proud to say we helped each other." - Steve

"Thanks so much for your help with the refinancing of our home. Not only did we save money with the lower interest rate, you also helped us save over $1,000 yearly on our insurance by referring us to Paul. It did take a while because of the questions related to the farm (the cow in particular) but we appreciate your persistence in working with our Accountant and your Underwriters to get answers and to get the loan approved. You kept us informed of the progress the entire time, sometimes talking to me multiple times per day. I felt comfortable calling, emailing or texting you with questions and knew that you would get back to me with answers - and without being irritated that I had contacted you whether it was late evening or even on the weekend. We will certainly recommend you to our friends and family (already have actually). We're glad we made the call to you after receiving that 3rd mailing, saying you could save us money!" - Robin and Reggie A.

"We closed our refinance on Monday and I wanted to write a quick note of thanks for all you did for us. We closed in around thirty days as you promised with a rate 2.6% lower than we had. We had tried to refinance with other companies but couldn't get it done. But you came through on all that you promised. We will highly recommend you to our friends. Thanks again for everything." - Charles D.

"Mark, just wanted to say thanks for leading me through this loan process. I have never done this on my own before. You made it extremely easy. I know I was a little difficult at first with you because I had never heard of your company. However, you gave me comfort in knowing that I was not going to be scammed and that I was talking to the right company. I must say I don't think I could have been more happier with service from anyone else. You were patient with me and you explained everything in detail. With that being said, I would like to thank you for working with me and helping me out financially. I will definitely be referring family and friends!" - Tim S.

"I want to thank you for making my refinance process so easy and stress free! I was at ease during the entire process and you answered all my questions before I even had a chance to ask them. Thank you for making this process easy and not add to my daily stress. I am looking forward to working with you on closing out another refinance on our property in Texas. I will definitely recommend you and New Penn Financial to my friends and family." - Carmen M.

"Larry and I wanted to take a few minutes to thank you for guiding us through the refinancing process. You made it so incredibly easy. We can't believe it took such a short period of time. You were always available when we had questions and kept us informed every step of the way. We especially appreciate that business was conducted entirely by email and phone and that a notary came to the house for closing. We literally never had to leave home - what a great service! Please be assured that we will recommend New Penn Financial, and you in particular, to anyone we know looking to refinance. Thanks for everything!" - Susan and Larry W.

"My sincere thanks for your excellent professional service in managing the refinancing of our home. You did exactly what you stated you would do in the beginning. I really appreciate you keeping in close touch with me all during the process. Also, I am very pleased with how quickly that it was done." - Louis S.

"Closing went extremely well last night. I appreciate all your efforts of making the process seamless for my wife and I. Thanks for your support in helping us save $$$$ over the next 12 years." - Mark B.

"Thank you so much for handling our refinance. You responded much more quickly than our bank did. We kept you waiting while we waited to hear from them. Finally we just gave up on them and asked you to handle it. I also appreciate your patience with me as I gathered the necessary documents. It was nice to be able to depend on you to do what you said you would do, you were very easy to reach during the whole process. The whole process was pretty much as you told me it would be, from what would happen next to when we would close. It was nice having everything explained in a way that I could understand it and know what to expect." - Angie S.

"I would like to thank you for working on my refinance, you were always available and helpful with any questions that I or my wife had and came with a timely response. With that said I hope to do more business in the future because it is hard to find people that make you feel they genuinely care." - Todd T.

"I want to thank you for the excellent service you provided in refinancing my mortgage. I was very pleased with the entire process and all my dealings with you in particular, so much so that I recommended you in particular to a colleague who is also interested in refinancing his mortgage." - Matt P.

"Just writing you to thank you once again for all of your patience and guidance through my refinance. You made the process very simple for me to understand and answered all the questions that I had. I know you do a ton of these, but never did I feel like you didn't have time for me. You are very informed on what you do and a true professional. I will gladly refer you to all my friends and family. Thanks again and Gig'Em!" - Heath

"I appreciate the prompt and courteous effort that you put into my refinance request. Everything went smoothly and I'm especially pleased that it only took about 30 days. Your company's document site made it very easy to access forms and send all of the required documentation. As you are aware I was working with a major national bank on refinancing my existing mortgage which they held and more than ninety days had elapsed since I started the process with them and there was no end in sight to their endless delays.  You and your company worked quickly and made everything happen seamlessly with an excellent rate and below average closing costs. I will certainly encourage my friends and neighbors that are interested in refinance to contact you for services. Again, thank-you for doing a quick and efficient refinance for me." - Barry N.

"I want to express my appreciation for the great experience I had with refinancing my mortgage with New Penn. It was less than three weeks from my initial conversation with Mark Scarrow until my closing date. Mark was on top of everything and kept me informed during the entire process. All my questions were answered in a timely manner. I would certainly deal with Mark again and have confidence referring friends to New Penn. Thank you so much Mark!" - Jeff R.

"Thank you for the great job you did with our refinance! I can honestly say it was the easiest experience we have ever had with one. I am thankful I got your name from Bao and plan to send more people your way." - Josette T.

"Just wanted to send you a note and thank you for all your help and extra efforts in getting our refinancing done in a timely matter. After trying to refinance for the past year and a half with two other companies your professionalism, promptness and efficiency was greatly appreciated. Working with you made the process effortless! Thanks again for all your hard work!" - Ron and Denise M.

"Mark, I wanted to thank you for getting me refinanced with a much lower rate and most of all away from the company I was previously working with. Thanks a million!!! I will tell everyone that needs help to call you. You got it done fast. I have been trying for two years. I will never forget your kindness and a job well done!" - Joan F.

"I just wanted to thank you for a great refinancing experience. The entire process was so smooth and easy thanks to you. You were very responsive, timely, knowledgeable, efficient, and made everything effortless-and I know firsthand that this is not how the refinancing process always is. From start to finish I received great service from you, and the refinance was completed so quickly! You came highly recommended to me, and I will highly recommend you to everyone I know who has refinancing needs!" - Teresa S.

"This note is to thank you for the wonderful experience I had with you and the New Penn Financial refinance process. With years of mortgage experience from others, I can say that this is the best experience I have had. From beginning to end, you took care of me and my family's needs. No conversation with you took more than 15-20 minutes and you truly managed and represented us well. I closed on 2 properties today and from our initial conversation to the close, I did not have the tiring, nervous feeling in the gut, one usually experience when refinancing. Again thanks for your professionalism and the way you took care of us. You will forever have my business and I will also be recommending you to all of my contacts." - Ian C.

"I wanted to thank you for helping me with getting the process of refinancing of my second home in Kentucky started. This refinance process has now also concluded and I have a significantly better mortgage on my KY home. Your colleague James Lahiff was similarly helpful in the process and I thank you for referring me to him." - Kathi and Martin K.

"The service was great. I bounced around with different inept lenders and extremely bad service from several of them. Your attention to details was commendable. After we connected, your follow up was great and the information flow was as one would expect a lender to provide during the process." - Gary S.

"I thank you for all of your help throughout this whole process. I appreciate that you have been there when I had questions and always kept me in the loop on things I needed to know about and out of the loop on things I didn't need to worry about!! It's been a great experience altogether and I have already given your name to one person and will continue to share your name with others." - Elizabeth S.

"Judy and I wanted to thank for all your help with our mortgage refinance. You and your team made the process seamless and pain free. I would be happy to recommend you and New Penn Financial for mortgage finance and refinance opportunities." - Bobby B.

"Mark, me and my husband are very thankful to you as our mortgage broker. The processing of the documents were well done. I will recommend you to my friends. We are very pleased." - Robert and Henrietta Z.

"Mark, I just want to say thank you for an amazing job refinancing our loan for our mortgage. This is our third time refinancing and I've never had it go so smoothly or so quickly. You did such an incredible job and I just wanted to say thank you." - Melissa

"Everything went very smoothly during closing last night, which is characteristic of your management of this entire process from start to finish. I can't tell you how much I appreciate that you independently followed up with us several months after our initial inquiry with New Penn Financial and, though you didn't realize it, managed to save us from getting into a far less optimal refinance with another lender. New Penn had the right program for us, and you did an excellent job of understanding our situation, matching us to the right loan, and walking us through the process. I always felt very confident in your ability to take this across the finish line, and I appreciated how responsive you were to our questions over the last few weeks. I will be happy to refer any and all of my friends in the area to you for their mortgage finance needs. Thanks again." - Brian L.

"I just wanted to express my appreciation to you and your staff for handling my loan in such an expeditious manner. I really needed to get this done fast and you and your team got it done! I can't believe you had everything ready in 8 days...unbelievable! And on top of all of that you saved me over $300 a month. You made it so easy and very clear to understand all of the paperwork that I needed; and when I had a question (actually lots of questions) you were right there with a clear concise answer. In the future I will recommend you and New Penn Financial to anyone looking for a mortgage. By the way, I spoke with Jeff over the weekend and he said when he was ready to refinance he would definitely give you a call. Thanks again for a great (and unexpected) experience!" - Teresa Y.

"Thank you again for all of your support in obtaining and closing my loan to re-finance my house. In particular, I'm very thankful to you and New Penn Financial for locking in an outstanding rate for me and for all of the assistance you provided in making sure the loan closed quickly and without any issues. Your support throughout the process was outstanding and left me with the impression that you and your team are very experienced, professional, and knowledgeable about serving your clients. You and your team made the process very simple for me and my family and your follow-up and follow-through gave us great peace of mind. Many thanks." - Kevin D.

"As you are aware, we closed on our refinance loan for our home on Friday evening. I never knew there were people would had the sole job of coming to a location for a closing! I was skeptical about how something as monumental as a home loan would go with using little more than the phone and email. But, with your guidance, it all came together. Despite having to deal with my bank not honoring your company's forms, I saw no issues with the process. I certainly appreciated that you did not attempt to call me when I was in my classroom with students. I gripe at them so much about cell phones that it just wouldn't do for me to stop and take a call. I also appreciate that I was able to keep the interest rate after the passage of the January 30 expiration date. Thank you for keeping me abreast of the process every step of the way and answering my calls and emails promptly, even when you had company at your home at a Christmas dinner. Thank you for all your help." - Tom P.

"Patty and I want to thank you for the time and effort you put in with us to help us refinance our home with New Penn. We appreciate your timeliness and attention to gathering the appropriate documents to close the loan in just a few weeks." - Dan and Patty B.

"I have been meaning to send you this note but I've been traveling for the past week and I'm just now getting around to it. The closing on 120 Mallette finally closed week before last and I wanted to say how much I appreciated all the hard work and discipline you put in to get this loan through the New Penn process. I thank you and I have well over 60 emails to get everything done! Without a doubt, had you not stayed focused and worked diligently to provide all the information, clarifications, data, appraisals, re-appraisals, etc. this would not have gotten done. Well done on the work to get this loan completed for me. I'll continue to refer you to several friends I have who are in the market for new personal loans for to re-finance their investor properties. Again, my thanks for your hard work and dedication." - Greg W.

"Thanks for all of the hard work you did in helping us to refinance our house. I know we weren't always prompt in getting back to you but thanks for sticking with us! Good luck with everything." - Stefanie M.

"Patrice and I want to thank you for assisting us in refinancing our home. We really appreciated your persistence and patience with us. You demonstrated professionalism and excellent customer service skills even when we were not sharing your same sense of urgency. Your knowledge of the industry helped us save a lot of money and we are truly grateful. We will be referring other home owners to you and your company." - JaMarr F.

"Eddy and I want to thank you for your help in putting us in a better financial situation regarding our mortgage. You were available even if it was later in the evening or on the weekend for a quick phone call. You guided us through the process while being patient when we had questions. We were able to cut several years off our mortgage and cut our interest rate almost in half. Thank you again." - Eddy and Annie X.

"I wanted to thank you for your hard work in making the refinance happen. Your efforts made it easy for me to do it. As you probably noticed when you initially made contact I was relatively on the fence with the whole idea and my wife was really on the fence. You made it easy and nothing but a positive financial gain and experience for my family and I. Once again thank you for making this happen and the positive support you provided." - James C.

"Thank you for your professionalism with my recent rezoning. You succeeded where others failed financing an investment property for me and I very much appreciate the additional liquidity you created for me ahead of April 15th. I will look forward to referring you to others." - Russell R.

"I wanted to thank you so much for your assistance in helping me purchase my home. Your follow up/through is impeccable. You outlined every step of the process in the beginning and guided me through each step with ease. There were no surprises. I can't tell you how grateful I am for that! I will refer you, and New Penn Financial, to any and all who ask!" - Julia E.

"Thank you so much. This was all handled in such an expeditious and professional manner. Dan and I will definitely share your information with friends." - Linda R.

"I just wanted to say again thank you for all your help and guidance through our most recent refinance with New Penn. After it looked like things were not going to line up to refinance out of our 5 year ARM this year, you called when the rates significantly dipped, and less than 30 days later, we closed. Covering the appraisal and giving us the lender credit on closing made a huge difference in us moving forward with the refinance. Your professionalism and availability are top-notch, and I have absolutely no hesitation in recommending you and New Penn to others. You get to know your clients and get to understand their goals, and tailor a program to fit their needs. Now my wife and I can enjoy our 3.75% fixed rate for years to come. Thanks." - Shane and Amy S.

"Heather and I just completed our refinance closing with your company. There aren't many words that can express my opinion on the overall experience we had with you and New Penn Financial. I will though highlight a few important things that were/are very meaningful to Heather and I relative to refinancing our house- all of which you delivered on.

1)      Expertise- you certainly know your business and know it well. Your expertise and guidance through this entire process was stellar! Not only did you save Heather and I roughly $2400.00 annually but your additional guidance on our home owners insurance also resulted in additional savings.

2)      Our Experience- this was so very important to Heather and I. We wanted to make sure that throughout this entire process, that our questions and concerns were addressed and ultimately, put at ease and you did that. No question was too small or too large- no challenge we brought to you was not too big. You really did do a great job in guiding us throughout the entire process, start to finish.

I never make a habit of recommending, let alone endorsing a company or individual however, there is always an exception. You, along with New Penn Financial, receive my highest level of endorsement and recommendation. You did an awesome job and get ready because I will be referring you to many of my friends. Thanks again for assisting us." - John K.

"My wife and I would like to take a minute and thank you for helping us refinance our house loan. Your responsiveness was unbelievable and I have never had anyone so proactive or responsive as you and New Penn Financial have been. Then to top it off we never even had to leave our house to close this. The notary actually came to the house was also top rated and very kind and informative. Another thing I would like to say thank you for is prepping us for what we needed. Thanks for the great and responsive service." - Scott and Joey

"Mark, considering you took up my loan midstream, i think you did an outstanding job keeping me up to date and kept me up to date and kept the process pretty seamless. It was probably the easiest refi I've ever done. Thanks again!" - Bill H.

"I just wanted to thank you for all your help in securing my new mortgage loan with New Penn Financial. The refinance process took less than 30 days, which I would have never thought possible, and the experience was a good one in every way. I know there were many obstacles to overcome in that process. Thank you again, and I will definitely recommend you to anyone I know who is considering a new home mortgage loan or a refinance." - Louanne B.

"I just wanted to thank you for all of your hard work, dedication and professionalism. It is because of you that I now have a lower interest rate and have cut down my mortgage to only 20 years, taking nearly 8+ years off the life of the loan saving me thousands. Your attention to detail allowed me to close in under 30 days. I also want to thank you for your personal attention and ensuring I was well taken care of. Thank you again and I will certainly refer my family and friends to you, as well as call on you if I ever plan to purchase another home." - Brian F.

"Well...you did a great job (again). You are amazing to work with, prompt and easy to get in touch with. I appreciated the clear instructions and being kept informed of where we were in the loan process. You provided personal service and we didn't feel like we were just another customer, we both appreciated your sense of humor as well. We would definitely recommend you to anyone considering refinancing." - Robin A.

"Thanks for all the work to get our closing done. Everything went great and you are to be commended. You did a great job at communicating and keeping me informed every step of the way as to the status of the loan. I would highly recommend anyone to give you a try. It was nothing but a positive experience." - David M.

"I would like to thank you for your hard work and dedication towards refinancing our home. In the past I have never had a great experience with mortgages, especially FHA. You made it unbelievably easy with the paperwork and being so consistent with how this process would come in to place. As you know condo's can be difficult depending on the requirements, but you made my experience an absolute breeze. For example: I was recently refinancing my home through a bank. We had started the process in November and were supposed to be finished in March. The loan never did close and I was greatly disappointed. Mark, being such a competent mortgage professional, he was able to complete my loan within 3 weeks exactly as discussed. It blew me out of the water how smooth he made this process for me. I have already recommended a few of my neighbors and will continue to do so in the future." - Josh and Jamie S.

"I just wanted to let you know how appreciative we are for your kindness and helpfulness along our refinancing journey! You have been very patient, knowledgeable, and thoughtful in answering a myriad of novice questions. You were prompt and extremely responsive. I was shocked at how quickly you responded to email! The entire experience was easier than working with our local bank on our first home closing. We even liked the lady that came to the house to sign all of the official closing documents. So far, our experience has been smooth and uneventful, due to your guidance. I know we would not have made the move of you had not been taking care of our refinance. I will recommend you to all of our friends and family who might be looking to refinance. And, I will definitely contact you in the future should we refinance or make another home purchase." - Kara and David I.

"We just wanted to send you a quick email to thank you again for all of your hard work on the refinance of our home. Not only were you able to complete the process in the quick time frame we needed, due to my travels, but you really did go above and beyond in order to assure us that you were available and willing to be there to answer any and all questions we had. I realize that while working with us you had a death in your family, and while it would have been appropriate to pass us to a fellow co-worker to complete our closing, you went above and beyond to still be available to us and keep working on our closing. We really do appreciate that personalized attention! We appreciate the work you did!" - Bree and Nicholas J.

"I wanted to say thank you for your guidance and support with my refi. You certainly know your stuff. Your education was greatly appreciated. As a fellow sales person, you did a great job! I will be happy to refer you to anyone else who is in need of similar consulting." - Michael R.

"I would like to thank Mark Scarrow for assistance with securing a refinance for my home. Mark was extremely helpful during each step, from identifying the best option to working through some issues with our existing mortgage. He was able to provide great service and maintained open communication at all times. Mark was able to provide a closing around my travel schedule on a Saturday evening. I would recommend your company based upon my interaction with Mark." - Gene L.

"Just wanted to follow up with you regarding my mortgage loan. I am in the financial industry and you are the best I have seen in the mortgage arena. I had gotten approved through the HARP program by a local mortgage company close to home and later found out appraisal valuation was erroneously incorrect so the deal fell through. The mortgage company told me I had to go through the appropriate government agency in order to get it straightened out. In addition, I checked with the leading mortgage company in the area and told them the situation and they discouraged me from applying. However, you kept sending me hand written notes for months which I ignored thinking there was no way it would work based on the two discussions I had with the two lending organizations in the area. Finally, I decided to make on last ditch effort and discuss with you. You handled every objection brilliantly and closed my loan. I do appreciate all you have done and your work! In addition, I have told numerous people already about my experience." - Jim

"I was introduced to Mark from New Penn Financial on June 25, 2013 after I had been working with another mortgage company for a month. The loan with the other company fell through and I explained my situation to Mark. Mark helped me find a way to get my mortgage in a much faster time. He estimated the closing date at the beginning and had also provided an estimate of the closing costs. He managed to get the closing done in less than 3 weeks, sooner than the estimated date, and with a cost that he had originally promised. He made himself available well beyond the regular business hours to answer all my questions. He stayed on top of things in getting all the paper work done on time coordinating with different parties. He was totally professional and an absolute joy to work with and I give him the highest possible recommendation." - Pramod M.

"I do appreciate your work on getting the Texas property refinanced. We were very pleased with the outcome of the interest rate and low closing costs. Thank you again for your diligent work on assisting us and look forward to working with you again." - Carmen M.

"Everything went well. Thank you for your help through the process. I appreciate your checking in frequently to give me updates." - Steve A.

"Thank you for doing a great job on our refinance. We appreciate how quickly this was done. From start to finish you were there to answer all of our questions." - Daniel and Darlene T.

"Thank you so much for all your help. You made the experience memorable in a very good way. Thanks again on behalf of my husband and I. We'll be sure to refer you to all our friends." - Sophia E., TX

"I just wanted to take a moment to thank you for all of your help. Not only did you help me save money on two mortgages, but also the time frame in which you completed everything was remarkable. Many, many thanks to you and your team." - Toya L.

"Please pass along to New Penn Financial management our sincere gratitude for all of your professional assistance in the refinance of our home. Having been a mortgage banker myself years ago, I know the resources it takes to fulfill a hassle free mortgage transaction. A VA refinance is not the easiest of transactions, however from the time of application and home appraisal to closing it was less than 30 days. Thank you again for your professionalism." - Bruce G., Charlotte, NC

"I just wanted to thank you so much for your help with the refinance of my condo in Nashville, TN. You have been absolutely amazing to work with. I admit, I definitely did my part and researched and spoke with multiple lenders regarding my loan. You were, by far, the most responsive and easiest to work with. This was my very first time to refinance a mortgage, and you explained the entire process to me in a very clear and easy to understand way, which was immensely important when trying to understand exactly where your money is going. I had several lenders try to call back and attempt to compete with the rate you offered. In the end, I decided to follow through with you and New Penn Financial, because I felt that regardless of being offered a slightly more competitive rate, I knew I was in better hands under your guidance. I really appreciate all the work and time you dedicated to my loan and have spoken very highly of you to my realtor, so that she may continue to recommend you to other clients she works with. I also intend to stay in contact with you and keep you updated, as my boyfriend and I continue our current house search. Again, thanks so much for making the process such an easy, painless transition. I am looking forward to working with you again, in the very near future!" - Amber R., Nashville, TN

"Thank you very much for making my experience refinancing my home an excellent one. The time that you took to explain the process to me, was so invaluable, that even when I had initially decided to go with my current mortgage company, when that fell through it was very easy to call you back and choose your and New Penn Financial. Thank you very much for all your help." - Gareth D.

"Thank you so much for the wonderful service you provided for our mortgage on our second home in Williamsburg, VA! Everything went very smoothly and New Penn was mentioned a number of times at the closing because of your accurate and timely forms. We are enjoying our new home." - Kelly L., Williamsburg, VA

"Though your company had excellent BBB reviews, I was a bit worried about using a mortgage company/representative based in North Carolina while I was located in Ohio and our home purchase was in Virginia. Three states (NC, OH, VA) was nothing to worry about as you always picked up the phone and were always available on evenings and weekends. You also always responded quickly to our VA real estate agent. I'm sure she was very pleased with your speed and professionalism. You are a true professional who did everything a person seeking a mortgage could as for. '10' on a scale of '1 to 10'. I highly recommend both you and New Penn Financial." - Mike L., Cincinnati, OH

"Mark, from the first conversation, I liked you. Your manner was professional, patient, polite, and not condescending in the least to my limited real estate financial skills. Your follow-up was consistent and no detail omitted. Thanks for giving our file a second look. We would not have refinanced without you!" - Keeling and Jeff C.

"I just wanted to thank you for all you did for us. It honestly felt like you cared about our best interest looking out for us the way you did instead of making me feel like a commission. You went way out of your way as we both know by clearing things up for us we had no idea that were out there. I will recommend you to anyone I come across wanting to refi for sure. A true asset to myself and my family along with your professionalism and knowledge is all I can say. I hope your company values your employment as much as we did with your work for us. Please share this thank you with your higher ups. I would like them to know as well, what you did for us. We are not the easiest couple to work with, so I felt your pain, I promise. That meant the world to Jenni and I, so please know this." - Jason and Jenni

"Thank you for your diligence, follow through and attention to detail during our recent mortgage application process. You made shepherding two applications through seems easy; I know you made it easy on us. Your courtesy and professionalism were greatly appreciated. New Penn is lucky to have such an effective representative." - Barbara H.

"I wanted to thank you for your help and service that you provided in the refi of our home. Although the work is very detailed, your work is extremely efficient as well as fast. We really appreciate having the extra cash at the holidays. We have been trying to get our payments reduced for 3 years now, and it has been very painful. The results were being put on "watch lists" and were to be called if any rules or requirements were relaxed by Freddie Mac. We gave up worrying about it. You and your company were the only one to contact us when things did loosen up - and we thank you for that. When my daughter and son-in-law get ready to vacate our condo and decide to move into a house - which should be sooner than later - I will definitely have them contact you. Thanks again - enjoy your forthcoming holidays. Best regards." - Tony and Mary C.

"I just wanted to send a message to say thank you for handling my refinance. I appreciate your integrity and efficiency in handling the process. I can't believe that it only took twenty days! It helped to know that you were available at a moment's notice to answer any questions, and it seemed that I ran into several. Dealing with someone who obviously knows what he is doing was very comforting. Thanks again." - Angie S.

"Anyone needing a loan, my great friend Mark Scarrow handled my home purchase and was absolutely phenomenal!! Out of 5 home purchases, he hands-down won on all fronts. Price/service/ease etc...each friend I have referred has had just as great of an experience. Especially my real estate friends, definitely give Mark a call for your clients. Mark beat everybody here in town and the service was impeccable!!! Highly recommend!!!!!" - Elizabeth

"I honestly appreciate your personal assistance in getting my mortgage refinanced. I have no complaints and much praise for your help. It could not have been more professional or even better in any way. Thanks again!" - Robert W., New Bern, NC

"Thank you for your help refinancing my home. I could not have done it without you. I am looking forward to doing it again when the interest rate comes down. I hope to work with you again." - Kunio B.

"Mary Katherine and I appreciate very much all the hard work and effort you put into our loan. We came to you after another lender had informed us there was no possible way that we could qualify for a loan and you quickly refuted that position and found a product that was perfect for us. To further add to the incredible job that you have done for us, due to other circumstances we required the refinance be closed before 2014. Considering that we did not come to you until the end of November 2013, this was quite the request! However, you assured us that you would have it done before Christmas and you absolutely delivered. You guided us through every step of the process, making sure that we understood everything about our loan and that we knew ahead of time the documentation needed. We could not be happier with our experience and will certainly be recommending New Penn Financial, and you specifically, to friends and family in the market for home loans. Thank you and kind regards." - John and Mary Katherine H.

"I wanted to take the time to tell you how I appreciated your professionalism, courtesy, follow up and the speed of the process of refinancing our home. Your communication was second to none and you made this experience very stress free and exciting. Thanks again!" - Rick and Patty Z.

"I just want to thank you for a really quick and easy refinance. You made this a really painless experience, with great communication, professionalism, and explanation of all that was going on. I will gladly recommend you to anyone I know who is looking to purchase or refinance! Happy Holidays from a satisfied customer." - Felice H., Bristow, VA

"Shannon and I would like to thank you for your professionalism across the board with refinancing our home. We will never thank you enough." - Bernard B.

"I was amazed on how simple this process has been. I have been up and down so many roads with these investment properties concerning the refi process. I have been turned down so many times even with a good credit score. I am very pleased with how easy you have made this process this time around for me. I am looking forward to the next two closings. Thank you again for your expertise in this matter." - Tony C.

"We just wanted to thank you for making this refinancing process as smooth and painless as possible. You took the time to really explain all our options and help us determine what the best course of action was. Amazing as all this was, the fact that it all happened in less than three weeks was the finishing touch. We will definitely be recommending you and New Penn Financial to friends and family." - Brandon and Erica T.

“I just wanted to take the time to THANK YOU for your assistance with the refi of my home in Greensboro!You made the process very simple and easy for me and the entire transaction was completed in record time.  The electronic documents were extremely efficient and the follow up calls and emails received from you throughout the entire process made me very comfortable with it. I appreciate working with you and will most definitely be telling folks I know to give you a shout for their refi needs!” - Laura L.

“Thank you for all the time and patience you gave me during the re-finance time for my Troutman residence. You were an excellent resource and very professional. Should any of my colleagues or friends mention re-financing I will definitely provide them with your name. Pamela Pyatt was very accommodating and professional as well. Thank you for making the refinancing venture very easy and tolerable.” - Jane B.

“Thanks so much for all of your help! This was a very exciting, tiring, and sometimes stressful process, but we really appreciate all of your hard work for us. You explained everything really thoroughly so we understood all aspects, and you were always readily available for all our questions. Thanks so much for being organized and on top of things - that made the whole thing go more smoothly than we anticipated, and took a lot of weight off our shoulders. And thanks for having our back in the whole process, we were able to lean on you for support. We are super excited about being in our new home, and can't wait to get settled. Thanks again for everything!” – Whitney and Brendan D.

“I would like to tell you what a great job Mark did on helping my wife and I refinance our house.  I first contacted Mark in the beginning of December 2013 and he was very helpful in telling me that I needed to get current on all my bills.  After doing so, I still could not get close enough to refinance my house and I thought it was a dead deal.  I figured that I would have to wait for a while and get my balances down before I started the process, but then Mark reached out to us again to help start the process.  This was in the first week of January 2014. Then, at the end of January, he called and said that there had been some changes and a new program that he thought I may be able to qualify for.  I had an appraisal done on my house which came in about $4000 less than we had hoped for, however, Mark was still able to get us a great deal with our mortgage and significantly lower our interest rate.  We closed yesterday, on March 18.  This is a game changer for us.  All along the way Mark has been great, very responsive even on the weekends.  He has, in my opinion, went above what he had to get us this loan. We already recommended him to 2 other people that we know who are looking to refinance.  We will continue to recommend him and New Penn Financial to anyone that we come across in need of a new mortgage. Best regards.”Henry G.

“I am writing to thank you for your assistance with my mortgage refinance, your service to me was excellent. I found your professionalism and performance to be exceptional in every regard and I will recommend you and New Penn Financial to anyone and everyone that I can in the future. Thank you for making this process so easy and trouble-free.”Matt P.

“Hi Mark! Everything went perfectly the other day. I am so thankful! The closing costs were very reasonable and the interest rate is perfect. This is a huge step in helping my family save some money. Most importantly, it was your kindness and cheerful disposition and careful explanations of this process that tipped me over the edge. I am so thankful! Believe me, I will recommending you guys to people in need and I will be counting on you for my next home. Hopefully, that will be coming up shortly. Again, thank you for all of your help!” John A.

“I appreciated your hard work getting my mortgage refinanced. I didn’t think it would be an option because of my credit score, so I kept ignoring your calls. When I finally returned your call you made the process as easy and streamlined as possible. Well done. I’ll definitely recommend you.” Aaron H.

“Thank you does not adequately express our appreciation for all your hard work. Your dedication and professionalism was truly amazing!  Without your help we never would have been able to resolve the many issues that arose. Every once in a while you meet someone who has been a blessing and that certainly was the case with you. Thank you very much.” Kathy and Bob M.

"When we went to closing, the title company and our agent were very complimentary of your services and how quickly y’all got all the paper work in early. Apparently, they often run into problems with the lender on getting the paper work in on time for closing. Anyway thank you again and I am sure we will be in touch in the near future.” Carmen M.

“Thank you for being a clear and patient communicator and making the loan process painless. We appreciate your kindness and support throughout the process. We believe in you and the service you perform - We will pass your name on to anyone in our area that may be looking for a loan or a re-finance.”Frank L.

“Thank you for everything you did to get a mortgage arranged for Peter and I. Being new to the country, the process is different and the requirements are extensive. We appreciate all you did to help us navigate through the process. We will definitely recommend you to friends and family!”Julie H.

“Mark, I thank you all for the wonderful job the New Penn Financial are doing I appreciate the help in making the loan successful, you made sure everything went through. Once again I thank you all.” Monday U.

“We would like to thank you Mark for contacting us that we could lower our interest rate on our home loan. You guided us in an efficient manner to process the loan. Anytime we had a question through the process you answered us right away through E-mail or phone, considering the time difference. It is employees like you that clients will consider using New Penn Financial again or recommend you and the company to others. Thank you again.”Jose and Patricia P., El Mirage, AZ

“I just want to take time to thank you for handling the refinancing of my two homes.  I am very pleased with how smooth the process went, how you made yourself available on weekends and at night to handle all my calls and how you kept your word of being there every step of the way.  I must say that you have put the meaning back into customer service, something that most companies have long forgotten.  I intend to use New Penn with all my future financing need and I am definitely going to recommend New Penn to my friends and associates.  Once again, thanks for a job that was well done and I look forward to working with you or New Penn in future financing.  Please share this email with your boss as he needs to understand how satisfied I am with your performance and the New Penn Company.” Nikita S.

“The closing went well I want to thank you for all your assistance and the excellent customer service. Your efforts and concerns enabled us to feel confident and comfortable proceeding with your firm. I want to commend you on representing New Penn with a high level of professional integrity.”Roy B.

“I wanted to take this opportunity to thank you on the speed in which you have refinanced my property in Concord, NC. I have been going from lender to lender only to be given excuses for why they could not help me. We spoke for the first time on July 16, 2014 and on August 4 I was signing the closing documents. Good job Mark and thank you.” Albert F.

“Closing is complete and I am moving in. Thanks for all your help walking through the process of the combination refi and home purchase. Good luck and I will recommend your services to anyone I know needing loan services.” Jim P.

“I just want to take the opportunity again to tell you how satisfied, both my wife and I, are with the closing of our third loan with New Penn Financial. The process went smoothly and was handled with the utmost professionalism. Thanks for making yourself available 24/7 to answer all of my question(s). This type of service has been lost in most American businesses and thanks for bringing this service back to the consumer. Please understand that New Penn Financial will be my first choice to satisfy my future mortgage needs, as a result of the service you provided; this eclipse(s) Navy Federal Credit Union and USAA Banking Service. Additionally, I will definitely recommend you and New Penn Financial to friends and relatives. Take care and much success!” Nick and Catherine S.

“We recently closed on a home loan with Mark J Scarrow, Sales Manager, NMLS#: 178678.  He worked tirelessly with us for many months in getting our credit corrected and in researching several alternatives for a home loan.  Without Mark’s skills and expertise we would have never qualified for a loan by ourselves.  In short, (a national bank) had thoroughly destroyed our credit but with Mark’s initiative he researched our credit history and had some serious problems accurately corrected.

I recommend Mark to anyone who desires the professionalism and integrity of a seasoned home loan veteran.  We may move from a conventional loan to a VA loan in the next year, and Mark will be our one and only choice for this process. Mark is the best!” – David and Margie A.

“I am writing this letter to thank you personally for providing us with outstanding service during our loan process.  Not only did you advise us on what we needed to do to improve our credit, but you took it upon yourself to personally handle some of the difficult calls to creditors.  Without you, we wouldn’t have been able to resolve these issues that seemed impossible to clear up.

You helped us from the very beginning and never gave up to the grueling end.  While we worked along with another bank, your service surpassed my expectations.  We couldn’t image going with another bank, as their service was not comparable.  We know you worked tirelessly to get our funds approved, even though our case was a difficult one.  Thank you for sticking by us and making our dream house a reality.  We have lived there for one week and will be forever grateful for Mark and Penn Financial for accommodating our special situation and having confidence in our financial status.  Thank you for assisting us with our closing cost, as this was done out of compassion for your customers.

We are 100% satisfied with Mark and New Penn Financial.  I would highly recommend his service to any future home buyer.  We cannot thank you enough!!”Luis and Kelly R.

“Kelly and I cannot thank you enough. This journey was filled with highs and lows but through all that, you kept fighting for us. We will forever be grateful for your perseverance and hard work. You gave us great advice on what we needed to do in order to put ourselves in position to be homeowners once again. Moving forward, we will not buy or refinance another home without Mark Scarrow as our LO. Thank you again for being part of our closing, we really appreciate you being there. I will definitely give New Penn Financial a huge thumbs up on this loan process and will spread the word to my family and friends looking to purchase a home in the future.” Luis R.

“You have made this easy and painless, I can’t thank you enough. Once we get through the craziness I will thank you and your management in a more formal way. I’ll reference you to my friends any time that I get a chance, feel free to have anyone call me. Well done, thank you.” Don A.

“Just a few lines to say thank you for all the work you did - a wonderful job of getting our home refinanced. You were always there to answer all my questions when I needed you. I don't think anyone would have done a better job than you did. You were like a friend at the other end of the phone even though we never met in person. Again Catherine and I can't thank you enough for all your help in getting this loan processed for us ---it was greatly appreciated.”Fred and Catherine L.

“You did an excellent job and made things go very smoothly for us.  We couldn't be more satisfied with your work.”Jason and Beth J.

“I just used Mark Scarrow to get a loan in Charlotte NC. He was incredible, and the process was easy! I don't think it is possible to work with a better loan officer, he was on top of everything and was very attentive. I found out at closing that Mark is one of the top guys and I don't know how he found all the time to take care of me because I felt like I was his top priority the entire time. Thank you New Penn and Thank you Mark!”Dante L.

“Mark, just had to take the time this morning to say a big "Thank You" for all your help in refinancing our home in Alabama.  Our first experience with you was wonderful, and we are so grateful that you took the time to contact us again with a better loan rate - this is so commendable!! You made the entire process easy and understandable for us - you took the initiative first of all to explain the refinancing, then how the process would work, and then to realize we could save $100 monthly - great news!! Your kind, compassionate manner in helping us is appreciated so much.  You included us every step of the way and helped us understand all the paperwork. This transaction was a very pleasant one, thanks to you, and we hope that if your travels ever brings you to Birmingham that you will stop by for a home cooked meal!”Donna and Jim G.

“Good morning. I wanted to take a moment to thank you for the great work you did with the refinancing of my VA loan. The process was simple and it was a great experience. Usually the mortgage loan process is painfully long and drawn out; this was quick and easy. You stayed on top of my application and communicated well throughout closing. I closed yesterday and it was nice to be able to do it at home. I would recommend you to anyone I knew was in the need to refinance. Thanks again. I appreciate all your hard work.”Fred S.

"Mark Scarrow was instrumental in helping us finance our first home. I had a lot of questions and Mark was always very helpful and made certain I fully understood every step of the process. He went above and beyond our expectations and worked many long days, nights and weekends to make sure everything was completed in plenty of time to make our closing date. We have been in our home now for over a year and I couldn't be happier and will use Mark again and recommend him to friends without any reservations"

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