Client Testimonials

"Bob is so amazing. Words can’t express the love and gratitude we feel towards all of the time and effort he put into making this possible for us. All the sacrifices he made. And all the hours he put in. He’s there for you. to make sure that you have a complete understanding of everything so that you are comfortable especially being first time home buyers. His knowledge is very reassuring. We have tried for years to buy a house and that didn’t seem possible until we meant Bob. He’s a great leader who is so motivated, compassionate, and determined to do the best he can for you. Justin who is a part of his team we also appreciate so much. These guys went above and beyond to help us reach our goals. We are forever grateful and truly blessed to have worked with them ????????❤️"

Michelle Molina

"Positive: Professionalism, Quality, Responsiveness, Value Bob was incredibly knowledgeable and patient. He presented us with different refinancing scenarios and explained the advantages and the financial impact of each scenario. We used his advice and were able to confidently make the best refinancing decision for us. Once we started the process, it was smooth and organized. Thank you Bob and staff for making a process, that could have been overwhelming, a very stress-free experience."

Adrienne G.

"Bob was on key for the entire process of getting our pre-approval through to closing day. He was always available via phone, email, or text and always took the time to explain every step of the process. Highly recommended!"

Barry A.

"Bob helped us refinance our homes on two occasions. Both times he was helpful, knowledgeable and walked us through the process with ease. Bob is the go-to mortgage guy for our family and extended family. I fully trust Bob to provide the best deal and friendly fast service!"

Beth V.

"As a first time homebuyer in a seller's market, the process of purchasing a house can seem like a daunting task. I decided to seek out a mortgage broker first to see what my options were and go from there. After my first conversation with Bob, I knew I was in good hands. He took so much time to answer all of my questions, crunch the numbers and give his expert opinion on how I should proceed. He recommended an amazing realtor, Heather Morris, and after just two weeks I had an offer accepted on my dream house. He was responsive and professional every step of the way and ensured I was getting the best rate possible. I would highly recommend Bob and his team at First Financial Lending for any of your home financing needs and am so glad I chose to work with them."

Chris S.

"Bob and Justin went above and beyond helping me secure my first mortgage. Very knowledgeable in the field and always there to answer any questions I had along the way. Everything was laid out in plain site and I couldn’t be more appreciative of all their hard work. Thanks for making me feel like family and getting me into my first home! You guys are the best! Will definitely do business in the future and will recommend to anyone I know."

Tyler H

"We had a great experience in refinancing our mortgage with Bob. He was very efficient and walked us through every step of the way. Bob was extremely responsive whenever we had questions and has a very genuine and honest approach to the way he conducts his business. I would definitely recommend Bob for all of your mortgage-related needs."

Brad K.

"Positive: Quality, Responsiveness, Value Bob was great. Quick response times, easy process, and a favorable new monthly payment! I was recommended to Bob by a friend and glad I used him. Feel I got great new rates with my best interest at hand."

Amy C.

"Mr. Salotto worked tirelessly to ensure that the my refinance of my home mortgage was done professionally, efficiently, expediently and most importantly with the best intentions and my best interests at heart. I was provided with multiple refinance options and an educational overview of each with the pros and cons of each option clearly outlined in writing. The team at First Financial was prompt, extremely thorough and courteous when requesting the necessary documentation needed to meet our timeline to closure. I would highly recommend Mr. Salotto and the First Financial Lending team for all of your future mortgage needs. Job well done!!!"

Josh T.

"Excellent experience! We were considering refinancing with our hometown bank but we couldn't be happier that we made the choice to go with First Financial Lending. They beat the bank with better interest rates, faster time line, no money at closing and the best communication I've seen! I HIGHLY recommend First Financial Lending! Bob and Jason were wonderful. They were so easy to communicate with, at any hour! They got us everything we wanted and fast. So easy!"

Amber R.

"We were dragging our feet on a cash out refi, dreading the process. I spent weeks researching brokers. The broker we used for the purchase years prior was good but the process was long and I did not feel like I received the best possible service. When I came across Robert Salotto from First Financial Lending I immediately saw the number of 5 star reviews. The reviews were not cookie cutter and all spoke of different circumstances which I believed showed they were genuine. After speaking with my wife I reached out to Bob. He was out of the office but spoke with me and listened to what I was looking for without rushing me off the phone. I completed the online application after 4pm. His partner Justin reached out to me within the hour and began working on it right away. Process got underway Thursday and we were clear to close on Monday. We will surely recommend them to family/friends for mortgage needs and they will be my go to in the future! Thanks again!"

Ryan C.

"Bob is awesome to work with! He is professional, efficient and always does his best to close on time if not early. I have recommended Bob to clients/friends and they have all been very happy with his services as well. I highly recommend First Financial Lending!"

Liz A.

"From start to finish, working with Bob was a great experience. Bob was very professional, extremely knowledgeable, and able to explain, and lay out, the best refinance option for us. Bob organized and managed the entire refinance process so everyone was on the same page during the entire process. I would highly recommend Bob as a mortgage broker."

Marla S.

"Bob did it again! BOB = TRUST. We first worked 'WITH' BOB for our purchase and he was fantastic then, and still continues to be passionate about providing service in the best interest of his customers. This was our first re-fi and we HIGHLY recommend him! THANKS BOB!"

Nate A.

"I wanted to refinance my house, and I did not want to go through a lot of hassle with the refinance. First Financial was highly recommended by two friends of mine who had used them. From the minute I stepped into the office and met Bob, I knew I was in the right place. Bob and Justin work incredibly efficiently and keep you up-to-date on everything. I had a couple extra matters that had to be taken care of, and Justin walked me through everything. He called daily sometimes to apprise me of what was happening. He was beyond kind, and he went out of his way to help me with everything. I am so thrilled that I went through First Financial Lending and had the opportunity to work with Bob and Justin. I would highly recommend this company; I know you won’t be disappointed. Again, I want to give a huge shout out to Justin for all the many ways that he made this process easy for me, kept in touch with me, and was so kind. Thanks again First Financial!!"

Joan T.

"By far the best mortgage experience I’ve ever had. Bob and team were on point with everything from timelines to communication to customer service. Everything about my experience was flawless. They really know how to make the process smooth and easy. Closed in under two weeks!! Couldn’t be happier!"

Lisa M

"Bob and Justin were incredible! They made buying our first house stress free and easy. They answered all of our questions and were extremely easy to work with. Not only were they so accommodating and helpful, but they also were so friendly and supportive. We were cleared to close weeks before our closing date and they made the whole process exciting. I loved working with them and will be recommending them to my family and friends!"

Christina D

"I would just like to personally thank you in regards to our latest mortgage renewal, you made the entire process smooth and painless. We will definitely be using your services again."

Karen

"I cannot say enough good things about working with First Financial Lending and Bob Salotto. The process was easy and efficient from start to finish and the results were beyond favorable. Bob worked with my to get my mortgage refinanced on a tight time line before my first baby arrived and he did not disappoint. I highly recommend working with First Financial Lending!"

Marissa

"Thank you again, Bob, for helping us refinance our home. You made the process so quick and easy. It was great working with you. Our rate is awesome!!!"

Jennifer H

"Bob is awesome! He is easy to talk to, patient, and very down-to-earth. This was our first mortgage and he made it as stress-free as possible! I would highly recommend him!"

Kaitlyn V.

"First Financial Lending made my refinance a breeze. I put it off for so long because I was afraid of how much time it would take. I should have called them sooner! Bob got back to me right away, went over my options, answered all of my questions, and explained the process. He gave me a short, detailed list of things he needed from me. I was able to access just about everything online and send it over to him. In two weeks, the process was completed. Bob and his team were great to work with. Very simple!"

Cindy R.

"Bob came in and saved the day at the last minute. I represented the seller on this deal and the buyer had originally chose a lender that couldn't get the loan done. Bob had it done in two weeks from start to finish! He communicated with us through the whole thing and didn't let us down!"

Lori R. (agent)

"Justin and Bob were both absolutely amazing. Justin was extremely responsive, patient, and communicative. We used a VA loan and we got to closing within 3 weeks of having an offer accepted and going under contract. We even got a check back at closing which never happens. These guys made us feel like we were a top priority and that they were passionate and proactive about making sure we got into our home quickly and with a good rate. Both Justin and Bob are personable and easy to talk to. They break things down in a way that makes it all extremely clear and easy to understand. We had spoken to other lenders before that made it our situation seem a little impossible or complex. Our first phone call with Justin was extremely positive and hopeful. We went from feeling like we wouldn't be able to purchase a home for a few years to being able to do it now. That was very important to us because of the rising costs of housing and the rising interest rates. We feel extremely fortunate to have found First Financial and will recommend them to any and everybody that is looking to purchase a home. In the future if we decide to refinance we will be calling Justin and Bob!"

Brenna N.

"Working with First Financial Lending was a breeze to say the least! Justin & Bob are a great team and made this process seamlessly easy for me and my boyfriend! As first time home buyers we didn’t know all of the ins and outs of purchasing a home and they really took the time to explain the process and answer any questions we had throughout in a timely manner. I would 100% recommend them to friends, family, and anyone, especially those looking to buy their first home too!"

Dominique W.

"Working with Bob Salotto and Justin Ciervo was amazing. Their attention to detail and patience was next level. From the beginning of our new home journey all the way to the closing table, their service was professional, and full of knowledge when it came to financial lending. Communication was around the clock and really kept us ahead of the game. They are a detail-oriented team and we will use them again in the future."

Garden L.

"Bob and Justin were incredible! They made buying our first house stress free and easy. They answered all of our questions and were extremely easy to work with. Not only were they so accommodating and helpful, but they also were so friendly and supportive. We were cleared to close weeks before our closing date and they made the whole process exciting. I loved working with them and will be recommending them to my family and friends!"

Christine D.

"Excellent 'service' and attention to detail. You walked us through everything so there were no surprises at all. Highly recommended for sure!"

Amanda and Jim

"Thank you so much for all your care, attention to details and hard work. The pre approval process really help make our first time home purchase a breeze!"

Mina

"I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything."

Samir