What Our Customers Say About Us
We care what our customers think of us and so should you. We are partners in your business and your success is ours.
Reviews
5 days ago
L and Z financial services is a great business it helped me a lot to get a house they helped me build my credit fast to get the house, I would always do business with Varune thank u so much Varune
L and Z financial services is a great business it helped me a lot to get a house they helped me build my credit fast to get the house, I would always do business with Varune thank u so much Varune
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2 weeks ago
Varune is truly amazing to work with! He made what could have been a stressful mortgage process feel completely painless and straightforward. After losing our first loan, Varune stepped in and provided confidence and reassurance every step of the way, ult
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Varune is truly amazing to work with! He made what could have been a stressful mortgage process feel completely painless and straightforward. After losing our first loan, Varune stepped in and provided confidence and reassurance every step of the way, ultimately helping us get into our dream home. His dedication, knowledge, and genuine care made all the difference for us. I will absolutely be recommending him to everyone I know!
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2 weeks ago
Mr. Ramhit worked tirelessly to get my refi done in a timely manner. I am so grateful for his efforts. I was able to contact him at any time with my questions and concerns. Someone needs to give Mr. Ramhit and substantial raise and pay and a promotion to
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Mr. Ramhit worked tirelessly to get my refi done in a timely manner. I am so grateful for his efforts. I was able to contact him at any time with my questions and concerns. Someone needs to give Mr. Ramhit and substantial raise and pay and a promotion to reflect his hard work and dedication. Thank you Mr Ramhit!
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4 weeks ago
I had a great experience working with Varune while buying my first home. He was always helpful, easy to reach, and made sure I understood everything along the way.
As a first-time buyer, I had a lot of questions, but Varune explained things in a simple a
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I had a great experience working with Varune while buying my first home. He was always helpful, easy to reach, and made sure I understood everything along the way.
As a first-time buyer, I had a lot of questions, but Varune explained things in a simple and clear way that made the process much less stressful. He stayed on top of everything and really looked out for my best interest.
I’m very thankful for his help and would definitely recommend Varune to anyone, especially if it’s your first time buying a home.
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4 weeks ago
I recently had the pleasure of working with Varune at L and Z Financial Services to secure my mortgage, and I can't recommend him highly enough. From the very beginning, Varune was attentive, knowledgeable, and genuinely committed to helping me through th
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I recently had the pleasure of working with Varune at L and Z Financial Services to secure my mortgage, and I can't recommend him highly enough. From the very beginning, Varune was attentive, knowledgeable, and genuinely committed to helping me through the process. Varune kept me informed at every step, promptly answering any questions I had. His clear explanations made the complex mortgage process much easier to navigate. His expertise in the mortgage industry was evident. He provided tailored advice based on my financial situation, ensuring I understood all my options. Thanks to Varune’s diligence and experience, my mortgage was approved much faster than I anticipated. This efficiency alleviated a lot of stress during what can often be a lengthy process. Varune took the time to understand my needs and concerns, making me feel valued as a client rather than just another number.
Overall, working with Varune at L and Z Financial Services was a positive experience. If you're looking for a dedicated mortgage lender who will go the extra mile, I highly recommend reaching out to him!
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1 month ago
I really had a great experience working with my broker. He was patient the whole way through, especially since selling my property took a bit of time. He stayed helpful, guided me through each step, and made sure I had the right support and resources to g
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I really had a great experience working with my broker. He was patient the whole way through, especially since selling my property took a bit of time. He stayed helpful, guided me through each step, and made sure I had the right support and resources to get to closing without stress. I truly appreciated how easy he made the process feel and how responsive he was whenever I had questions. I’d definitely recommend him to anyone looking to sell their home.
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1 month ago
Great service, Not only very insightful and knowledgeable. But very patient and answered all the questions I had as a first time buyer. Definitely would use again in the future!
Great service, Not only very insightful and knowledgeable. But very patient and answered all the questions I had as a first time buyer. Definitely would use again in the future!
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2 months ago
Varune helped me buy my first home and made it super easy. He walked me through the whole process and was quick to answer any questions that I had. Varune is definitely an excellent choice to consider and will not let you down. Thank you for everything th
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Varune helped me buy my first home and made it super easy. He walked me through the whole process and was quick to answer any questions that I had. Varune is definitely an excellent choice to consider and will not let you down. Thank you for everything that you have done and for making the home buying process a lot less stressful.
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3 months ago
As first-time homebuyers, we felt completely overwhelmed. We had a very complex financial situation that another lender couldn't handle. A Sales Manager of a builder introduced Varune R to me. He found a solution, communicated with us constantly. He didn
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As first-time homebuyers, we felt completely overwhelmed. We had a very complex financial situation that another lender couldn't handle. A Sales Manager of a builder introduced Varune R to me. He found a solution, communicated with us constantly. He didn't just help us get a mortgage, he looked at our overall financial pictures, helping us understand how the mortgage payment would fit into our long-term and saving goals. He explained complex financial terms in simple, clear language and invaluable. He is a professional, honest and trustworthy.
Working with Varune R was the best decision we made during our home buying process. We can not thank him enough. He helped us get into our dream home, made our dreams come true.
We are so grateful for his support and would highly recommend him to anyone.
Thank you so much Varune R.
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4 months ago
Absolutely the best! He makes you feel like the most important person he’s working with and is extremely responsive & proactive! If I could leave 10 stars, I would! Thank you Varune!
Absolutely the best! He makes you feel like the most important person he’s working with and is extremely responsive & proactive! If I could leave 10 stars, I would! Thank you Varune!
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5 months ago
This journey was tough and challenging but L and Z Financial Services made it seamless and motivating for my family. Varune was always available to answer our questions and encouraged us always...it was a great and rewarding journey with L and Z.
Thanks t
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This journey was tough and challenging but L and Z Financial Services made it seamless and motivating for my family. Varune was always available to answer our questions and encouraged us always...it was a great and rewarding journey with L and Z.
Thanks to them we owned our first home in the US under 2years...so grateful!!!
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5 months ago
This place is amazing. Varune is awesome he walked me through everything made buying the 🏠 easy
Thank you so much for everything
This place is amazing. Varune is awesome he walked me through everything made buying the 🏠 easy
Thank you so much for everything
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5 months ago
So I had a situation where I had another lender and we were half way through the purchase and this guy started to ghost me. I was terrified because I had already given money and signed a contract saying I was gonna buy one of the biggest purchases of my l
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So I had a situation where I had another lender and we were half way through the purchase and this guy started to ghost me. I was terrified because I had already given money and signed a contract saying I was gonna buy one of the biggest purchases of my life. My realtor put me in touch with Varune and he came in like Batman on a cold Gotham night and told me not to worry and made the entire process so easy. Finally got the keys to my new house and I am so grateful for all the help. Varune was friendly and made the entire process so easy to finish up. Thank you for all the help with everything my family is in our forever home because of your help.
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8 months ago
My wife and I were applying for a construction loan on land we had purchased. We are both self employed which is a huge disadvantage when applying for a mortgage loan compared to applicants with W-2 income, and as we learned, most mortgage professionals a
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My wife and I were applying for a construction loan on land we had purchased. We are both self employed which is a huge disadvantage when applying for a mortgage loan compared to applicants with W-2 income, and as we learned, most mortgage professionals are not adept helping applicants like us navigate successfully through the process. Thankfully, someone came along the way that referred me to Varune. From the moment I first talked to Varune, he demonstrated the knowledge and confidence that convinced me he could get our loan done. Each challenge that came along the way, Varune had a solution to get us through it. My wife and I closed our loan yesterday and I am 100% convinced that without Varune, we never would have found someone that could have successfully championed our loan through. Thank you Varune!!!
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8 months ago
First of all, I want to thank Varune (L and Z Financial) for helping me and opening the doors for me and my family to our new home. He was a huge help throughout the entire purchase process. Before finding him, I had reached out to other lenders who eithe
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First of all, I want to thank Varune (L and Z Financial) for helping me and opening the doors for me and my family to our new home. He was a huge help throughout the entire purchase process. Before finding him, I had reached out to other lenders who either didn’t care about my situation, ignored me, or simply never called me back.
Varune was completely different — he explained that there are many ways to qualify for a mortgage and took the time to walk me through my options. Being self-employed, I was able to qualify with a Non-QM loan, and he made the process feel smooth, easy and possible. From the very first call, he was welcoming, knowledgeable, and confident, which gave me the reassurance I needed to move forward.
Even when I had concerns or doubts, Varune always told me not to worry, explained things clearly, and answered every question right away. His confidence and communication helped calm me down and gave me trust in the process. Thanks to him, everything went through quickly and smoothly.
I highly recommend Varune and L and Z Financial to anyone looking to purchase a home.
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9 months ago
I spent almost 3 months working with another lender who completely wasted my time and money. I even had to pay for hotels and Airbnbs because I couldn’t close and they still ended up denying me in the end.
The moment I switched to Varune at L and Z Finan
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I spent almost 3 months working with another lender who completely wasted my time and money. I even had to pay for hotels and Airbnbs because I couldn’t close and they still ended up denying me in the end.
The moment I switched to Varune at L and Z Financial Services, everything changed. He reviewed my situation, handled everything quickly and professionally, and got me approved in less than 2 weeks. The process was fast, smooth, and stress-free — the complete opposite of what I had experienced before.
Varune was super responsive and personable, and really cared about helping me get into my new home. I highly recommend him and L and Z Financial Services — 5 stars and definitely the kind of service everyone deserves when buying a home.
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9 months ago
I had an awesome experience working with Varune and L and Z Financial Services for my home purchase. From start to finish, the entire process was fast, smooth, and stress-free. Varune was extremely personable, responsive, and took the time to explain ever
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I had an awesome experience working with Varune and L and Z Financial Services for my home purchase. From start to finish, the entire process was fast, smooth, and stress-free. Varune was extremely personable, responsive, and took the time to explain every step so I always knew exactly what was going on.
He got me an excellent rate and made the whole thing feel easy, which is rare in this industry. I really appreciate his professionalism and top-notch customer service. If you’re looking for someone who genuinely cares about their clients and delivers great results, I definitely recommend Varune and L and Z Financial Services.
5 stars all the way ⭐️⭐️⭐️⭐️⭐️
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10 months ago
Had the best experience working with Varune, this was our first time purchasing a home and after speaking with different lenders we decided to go with Varune. It was all so overwhelming, but Varune really stood out for his work ethic, constantly keeping
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Had the best experience working with Varune, this was our first time purchasing a home and after speaking with different lenders we decided to go with Varune. It was all so overwhelming, but Varune really stood out for his work ethic, constantly keeping us in the loop and answering all of our questions. Just closed on our home and couldn’t have done with without him. Highly recommend him for his services. 😊
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10 months ago
Buying a home is always filled with dread. This time was a welcome exception. Our loan officer, Varune kept us informed in all of the details that we needed. The cherry on top was the loan rate that were given.
WELL DONE!!
Buying a home is always filled with dread. This time was a welcome exception. Our loan officer, Varune kept us informed in all of the details that we needed. The cherry on top was the loan rate that were given.
WELL DONE!!
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11 months ago
**Exceptional Service for First-Time Homebuyers!**
L And Z Financial Services made our first home purchase an amazing experience from start to finish. Varune was absolutely incredible - his confidence and passion for helping clients really shone through
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**Exceptional Service for First-Time Homebuyers!**
L And Z Financial Services made our first home purchase an amazing experience from start to finish. Varune was absolutely incredible - his confidence and passion for helping clients really shone through every step of the way.
From our very first phone call to that exciting congratulatory call at closing, Varune guided us with such care and expertise. What impressed us most was his transparency and honesty throughout the entire process. He was incredibly knowledgeable and always took the time to explain things clearly, which meant so much to us as first-time buyers.
As a military veteran, I was particularly touched by how Varune went above and beyond to ensure my family and I were taken care of. His dedication to serving those who have served was evident, and it made an already special experience even more meaningful.
Varune truly made it happen for us, and we couldn’t be more grateful. If you’re looking for a mortgage professional who genuinely cares about your success and will go above and beyond, I highly recommend L And Z Financial Services. Thank you, Varune, for helping us achieve our dream of homeownership!
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11 months ago
Thank you sooooo much Ajay for stepping up to the plate, for helping us save our house from the piranhas. I know it was sooo complicated, the piranhas kept throwing you curve balls but you were so knowledgeable, you managed to catch all of them. You were
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Thank you sooooo much Ajay for stepping up to the plate, for helping us save our house from the piranhas. I know it was sooo complicated, the piranhas kept throwing you curve balls but you were so knowledgeable, you managed to catch all of them. You were able to solve all the problems they threw at you. You managed to keep me calm through the whole process. You kept us updated with the progress. I was so impressed with the quality of your services. You were available to answer my endless questions any day & any time. Your gazelle intensity saw us through. You deserve 10 STARS & 2 GOLD MEDALS for what youu did for us. Again, thank you soooo much from the bottom of my heart.
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11 months ago
Working with Varune Ramhit was hands-down one of the best decisions I made during the home-buying process. As a first-time buyer, I had a lot of questions and some anxiety, but Varune made everything incredibly easy and painless from start to finish. He w
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Working with Varune Ramhit was hands-down one of the best decisions I made during the home-buying process. As a first-time buyer, I had a lot of questions and some anxiety, but Varune made everything incredibly easy and painless from start to finish. He was extremely informative, patient, and professional breaking down each step so I always felt confident and in control.
His communication was top-tier, always available to answer my calls or texts, and made sure I fully understood the financial side of the process. What stood out most was how seamless and fast everything moved, without ever feeling rushed.
If you’re looking for someone who truly cares, knows their stuff, and will make your home-buying experience stress-free, Varune Ramhit at L and Z Financial Services is the one. Highly recommend!
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1 year ago
Varune has your best interest start to finish. Made our lending experience a breeze. Highly recommended!
Varune has your best interest start to finish. Made our lending experience a breeze. Highly recommended!
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1 year ago
We had been burned by a completely different company and this company stepped up and guided us through the process the whole way! All of our questions were answered with patience and understanding. The process was quick, easy, and communication was absolu
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We had been burned by a completely different company and this company stepped up and guided us through the process the whole way! All of our questions were answered with patience and understanding. The process was quick, easy, and communication was absolute top notch! If we EVER have to buy again, we won’t be using anyone else.
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1 year ago
Ajay is great! His transparency is much appreciated and his sense of humor comes in handy during some of those stressful moments of the home buying process. He's extremely knowledgeable and is always there to answer any questions you may have and explains
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Ajay is great! His transparency is much appreciated and his sense of humor comes in handy during some of those stressful moments of the home buying process. He's extremely knowledgeable and is always there to answer any questions you may have and explains it in a way that is easy to understand. 100% would recommend!
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1 year ago
Our family is very pleased with Varune’s services. Since day one he was real and cooperative. He helped us all the way of the process of buying our first house. We highly recommend him all the way. Let him and the experts run your mortgage loan. Great lif
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Our family is very pleased with Varune’s services. Since day one he was real and cooperative. He helped us all the way of the process of buying our first house. We highly recommend him all the way. Let him and the experts run your mortgage loan. Great life for him and his family.
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1 year ago
I can’t thank Varune enough for helping me and my family get our first home! As a veteran, I honestly didn’t think homeownership was possible due to my credit, but Varune made it happen. He secured me a great rate in this crazy economy and guided me throu
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I can’t thank Varune enough for helping me and my family get our first home! As a veteran, I honestly didn’t think homeownership was possible due to my credit, but Varune made it happen. He secured me a great rate in this crazy economy and guided me through every step of the process. No matter what questions I had, he was always available by call or text, making sure I felt confident and informed. His dedication and expertise truly made all the difference. If you’re looking for someone who will go above and beyond, Varune is the one to call!
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1 year ago
I recently had the pleasure of working with Varune and closed on my house I was so impressed with the quality service I received from him throughout the whole process always available to answer any questions I have and ensure I understood every detail be
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I recently had the pleasure of working with Varune and closed on my house I was so impressed with the quality service I received from him throughout the whole process always available to answer any questions I have and ensure I understood every detail before I signed any document he sent me I could count on him to answer any question I have regardless of the time, making the mortgage process much smoother for me.l highly recommend Varune's services to anyone without a doubt
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1 year ago
I had an outstanding experience working with Varune Ramhit at L and Z Financial Services! From the very beginning, he made the mortgage process smooth, transparent, and stress-free. Varune took the time to explain all my options clearly, was incredibly pa
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I had an outstanding experience working with Varune Ramhit at L and Z Financial Services! From the very beginning, he made the mortgage process smooth, transparent, and stress-free. Varune took the time to explain all my options clearly, was incredibly patient with my questions, and always responded promptly. His expertise and dedication made me feel confident that I was in the best hands. Not only did he secure a great rate for me, but he also guided me through every step, ensuring everything closed on time. I couldn’t have asked for a better experience. I highly recommend Varune Ramhit at L and Z Financial Services to anyone in need of mortgage services. Five stars well deserved!
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1 year ago
I am very happy to be in my new home with my family and all thanks to Varune my LO. As a first time home buyer and someone new to the real estate , Varune guided me through the whole process and will even pickup my calls or answer questions I had after of
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I am very happy to be in my new home with my family and all thanks to Varune my LO. As a first time home buyer and someone new to the real estate , Varune guided me through the whole process and will even pickup my calls or answer questions I had after office hours which I’m grateful for. I want to say thank you to L and Z financial for their smooth business.
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1 year ago
Working with Chris has been phenomenal. Complete transparency throughout the entire process. Does all he can to get you the best possible rates. 100 percent would recommend his services.
Working with Chris has been phenomenal. Complete transparency throughout the entire process. Does all he can to get you the best possible rates. 100 percent would recommend his services.
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1 year ago
Chris Pena, helped me out perfectly, always available day or night, seems like a very nice and helpful person.
Chris Pena, helped me out perfectly, always available day or night, seems like a very nice and helpful person.
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1 year ago
L and Z Financial services were very efficient and expedited my loan in within a few weeks. No stress at all appraisals closing all done without much effort on my end. I would definitely recommend L and Z to anyone from buying their first home to investm
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L and Z Financial services were very efficient and expedited my loan in within a few weeks. No stress at all appraisals closing all done without much effort on my end. I would definitely recommend L and Z to anyone from buying their first home to investment property.
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1 year ago
Varune has been a dream to work with. I couldn’t have asked for a better partner to serve WITH me on my first home purchase. His knowledge, expertise and explanation of every step calmed my nerves. His guidance made the process easy and stress free. Pleas
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Varune has been a dream to work with. I couldn’t have asked for a better partner to serve WITH me on my first home purchase. His knowledge, expertise and explanation of every step calmed my nerves. His guidance made the process easy and stress free. Please call him, he is honest and will treat you like he has known you for years from day one! Thank you so much for your help in this process Varune.
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1 year ago
Working with this company has been a great experience my loan officer Varune got me approved and closed on a house in 2 weeks time when the previous bank fell through. Couldn’t have worked with a better agency
Working with this company has been a great experience my loan officer Varune got me approved and closed on a house in 2 weeks time when the previous bank fell through. Couldn’t have worked with a better agency
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1 year ago
Varune Ramhit is the best. He is friendly and it is a pleasure for me to work with him. During my journey he helped me through everything and explained everything to me.
Varune Ramhit is the best. He is friendly and it is a pleasure for me to work with him. During my journey he helped me through everything and explained everything to me.
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2 years ago
Chris and Varune impressed me from beginning until the short end of my new home purchase process… “Ready to close” in ONLY 6 days!!! They were both fully available, friendly and went above and beyond, exceeding all perceived expectations. I highly recomme
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Chris and Varune impressed me from beginning until the short end of my new home purchase process… “Ready to close” in ONLY 6 days!!! They were both fully available, friendly and went above and beyond, exceeding all perceived expectations. I highly recommend them for anyone interested in services provided by them. Thanks again guys. I really appreciate you both.
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2 years ago
Varune!!!! I just love you so much!! ❤️ You are such an amazing broker!! I came to you with little to no knowledge of how to buy a house!!! You held my hand and guided me throughout the entire process!! You are very knowledgeable and you have a way of mak
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Varune!!!! I just love you so much!! ❤️ You are such an amazing broker!! I came to you with little to no knowledge of how to buy a house!!! You held my hand and guided me throughout the entire process!! You are very knowledgeable and you have a way of making people feel comfortable and secure! For any question I had you had an answer for me!! You made my 1st time buying a home flawless!! I literally had no bumps!! The process was SUPER QUICK!!! I Swear we were done in like 2 weeks!! But 14 days to be exact!! I am very happy Rosalind referred me to you and I hope this review will bring a lot others!!! Thank you so much!!! We friends now! 🧡 Lol
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2 years ago
Fast and easy to work with.
Highly recommended from me.
Fast and easy to work with.
Highly recommended from me.
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2 years ago
I recently had the pleasure of working with Varune and I couldn't be more satisfied with the service I received. Varune's exceptional availability, always being responsive regardless of the time, stood out from the beginning. What truly set Varune apart w
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I recently had the pleasure of working with Varune and I couldn't be more satisfied with the service I received. Varune's exceptional availability, always being responsive regardless of the time, stood out from the beginning. What truly set Varune apart was their willingness to patiently explain complex terms and documents, making the mortgage process much smoother for me. Varune took the time to ensure I understood every detail, fostering confidence and clarity throughout the whole process. I highly recommend Varune's services to anyone.
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2 years ago
The Team was very helpful and professional towards my buying house process.
I will definitely recommend them for anyone looking to buy a house quick and well done
The Team was very helpful and professional towards my buying house process.
I will definitely recommend them for anyone looking to buy a house quick and well done
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2 years ago
Helped me through the whole process! Great service
Helped me through the whole process! Great service
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2 years ago
Beat all brokers by more than 1% interest rate. Get things done. Knowledgeable about residential loans whether it's VA or conventional. Same for commercial loans. Be prepared for lots of paperwork and signatures but well worth all of it. Very trustworthy
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Beat all brokers by more than 1% interest rate. Get things done. Knowledgeable about residential loans whether it's VA or conventional. Same for commercial loans. Be prepared for lots of paperwork and signatures but well worth all of it. Very trustworthy which is hard to say about most lenders. Can close in short window of time. Works before and after business hours. Varune will have your back and advise you well.
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2 years ago
This is the process that most find to be intimidating and stressful. Not in my case L and Z made this as seamless has possible. Varune, was extremely communicative and walked us through the process. Which is exactly what I wanted and needed. No surpri
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This is the process that most find to be intimidating and stressful. Not in my case L and Z made this as seamless has possible. Varune, was extremely communicative and walked us through the process. Which is exactly what I wanted and needed. No surprises at the end. 5 stars all the way.
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2 years ago
Wow, I cannot say enough about Mr. Varune and L and Z Financial Services. I received exceptional guidance and support as I completed my first real estate investment financing for my first of many investments. I was kept well informed throughout the proces
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Wow, I cannot say enough about Mr. Varune and L and Z Financial Services. I received exceptional guidance and support as I completed my first real estate investment financing for my first of many investments. I was kept well informed throughout the process and all of my questions were answered right away. I highly recommend L and Z Financial Services.
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2 years ago
Varune was a pleasure to work with! I was the real estate agent and he was the lender for a buyer of mine and was able to get them pre-qualified, approved, and closed within 21 days! That was no easy task but he was able to direct them in the right way an
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Varune was a pleasure to work with! I was the real estate agent and he was the lender for a buyer of mine and was able to get them pre-qualified, approved, and closed within 21 days! That was no easy task but he was able to direct them in the right way and get the job done very easily! I’ve worked with many lenders in Bell county and the surrounding areas but Varune has been one of the most easy, honest and helpful lenders I’ve worked with!
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2 years ago
Varune provided great service. He was easy to talk to. We needed things to happen quickly and he made it happen.
Highly recommend.
Varune provided great service. He was easy to talk to. We needed things to happen quickly and he made it happen.
Highly recommend.
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2 years ago
We had a very pleasant experience with L And Z Financial Services and hats off to Varune Ramhit for spending all the time needed to go through this process with us. Buying our first house was straight forward due to his professionalism and dedication. Al
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We had a very pleasant experience with L And Z Financial Services and hats off to Varune Ramhit for spending all the time needed to go through this process with us. Buying our first house was straight forward due to his professionalism and dedication. Always there to provide support and to give as the best and up to date options. I highly recommend!👏
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