Client Testimonials

The following are a few of our client testimonials (in the client's own words), regarding how working with us improved their current financial situation for the better.

I would like to take this time to thank Sammy for helping me purchase my first home.  I did not fully understand all the details of obtaining a mortgage and the different types of loans that were available.  Sammy was able to find me a loan that was with no money down and at a good rate.  I was more than pleased with all his hard work and I appreciate the unique loan he was able to secure for me.  I also appreciated his personal attention to educating me on mortgages and helping me cope with something that was all new to me.  So again thanks to Sammy for all his hard and unique work when it came to helping me get my house.  I enjoy being a homeowner.

Judy Balber

What I truly enjoyed about our loan process was that you made me feel good...like Dianna and I are the most important people in the world.

Alan Fiveash

Our experiences with Sammy Gardner and H5 were simple and actually enjoyable. 

They advised us through our finance and then a couple of years later with our re-finance.  Each time we have worked closely with Sammy to determine the right loan for our needs.  We always walk away feeling like we are your #1 client.  You guys are awesome!  We recommend Sammy Gardner and his team to everyone!

Robert & Sandy Gomez 

My wife and I were in the final stages of preparation for closing on our house when I called Sammy.  Although I had already acquired financing and had all my bases covered, I was able to ask Sammy for advice on how to proceed and his opinion on our situation.  Sammy graciously offered his advice, which I followed and by doing so, was able to gain even more knowledge of the deal we were working on.  This made me more aware of what was really going to happen when all was said and done with our mortgage.  Even though I did not use Sammy's resources for financing, he was more than happy to give heart felt honest answers.  When the opportunity presents itself, we will absolutely be giving Sammy a call.  Not only is Sammy a good advisor, he is a true friend who looks out for the best interest of the ones he deals with.

Billy Lovell

Sammy at H5 is more than a mortgage company, he is a great advisor. He listened and asked the right questions to understand our needs. He provided invaluable advice on how to refinance in a way that would best suit us. Our new mortgage is going to help us meet our family needs. Thank You Sammy !

Dennis Engelbert
Boeing EVR Integration

Thank you for looking out for my Client. Even though I was skeptical, you proved to offer the best rate and your service was terrific.

Brenda Hallford

REALTOR, ABR

I wanted to let you know that your knowledge and expertise is a big comfort to me because I know the people I refer to you will truly be taken care of.  You look out for their best interest and help educate them with their options.  They have been very appreciative that I have referred them to you.  Thank you!

Best Wishes,

Cameron Reeves, Agent

New York Life Ins. Co.

Our mortgage refinance was handled with Integrity, Expediency, Courtesy, Smoothness and Market Knowledge - everything you want but were afraid to ask.  Thanks, Sammy!

Mac Cooper

I had very little experience dealing refinances and a mortgage in general.  Sammy and Debbie were very patient and answered each question that I had to my full satisfaction.  I ended up getting a great deal on my refinance, and I am very pleased with the results.

Clay Tauzin

Dealing with H5 Financial and Sammy Gardner's staff is truly an enjoyable experience.  They make getting a mortgage a painless process with their staff and support team of professional advisors.  One stop professional advice that all families need, but often forget to ask for assistance.

Chris Fribourg, Brooks Insurance

Sammy couples the extraordinary ability of explaining the complicated in simple and understandable terms with a genuine compassion for his clients needs.

Charlie Watson

Sammy Gardner has to be the best Mortgage Banker alive today.  I wouldn’t consider using anyone but Sammy.  He is such a great guy…he is funny, great looking, smart, concerned, caring, compassionate, a great Christian husband, and he was fun to raise.  By the way, he is also my son.

Rebecca Cooper

Our experience with H5 Financial is one of utmost professional in nature.  Sammy and his staff are knowledgeable, timely (getting papers to us in advance of the closing), and courteous!  It is closing without the stress!

Carol Murski

VP/Escrow Officer

Republic Title of Texas

Derek and I would like to take this opportunity to say thank you for being our mortgage banker, realtor advisor, and most of all, or friends. Your hard work has made it possible for us to achieve a long anticipated goal. Thanks to you and your team, we are moving into our dream home. We love you (& Debbie) and thank God for putting you in our lives.

June 17, 2003

Dear Sammy,

Just a thank you note to let you know how much Pat & I appreciate what you achieved for us.  You totally lived up to the Texan image - a straight shooter. As a Yankee, new to Texas, we could hardly believe that after you told us what you could do, you then actually outdid what you said. You gave us the right advice Sammy, and we love the $257.00 a month you saved us with no out of pocket expense.  

Thank you.

Sincerely,

Fred & Pat Hall

Sammy Gardner's services extend beyond the realm of expected and into excellence.  He has offered sage advice and his services have been thorough and timely in all situations.  I especially appreciate that I can give Sammy's number to anyone in need of counsel and know that he will help regardless of whether it will benefit him financially or not. He seems to view his business as a ministry--a rare thing in the financial world today. 

Cathy Powell

I have spoken with many different mortgage brokers, and none of them educated me the way Sammy did. By showing me something that I had never seen before, he saved me thousands of dollars each year and I build equity faster than I would with the loans everyone else tried to force on me.

Continued Success!

Greg Johnson

Partner / Principal Consultant

Spearhead Marketing, LLC

Our sincere thanks to H5 Financial for making our recent refinance one of the best experiences in our 40 years of home ownership.  We were treated with respect and integrity through all phases of the refinancing process.  Due to the expert advice and diligence of H5 Financial, we had the opportunity to take advantage of the low interest rates with minimal effort.  We continue to recommend H5 Financial to our family, friends and co-workers as the best Mortgage Banker anywhere.

Respectfully,

Hugh and Darlene Fairly

You care about what is best for the client and their particular situation, providing information based on knowledge, experience, and personal integrity!

Jill

There's more to a mortgage than a good rate. Ask yourself: Do you know the benefits of a fixed versus variable mortgage rate, an arm versus an 80/15/5, or, what's PMI and the long term impact to your payments? Like anything in life, an educated consumer is a wise consumer. H5 Financial helped my wife and I navigate the complexities involved with securing a financing option that best suited our needs. It is with confidence that I give them my highest recommendation.

Jim Goodyear

Sammy Gardner and H5 Financial has always been my Preferred Lender. Why? Because I trust him! He takes care of business, my customers and me. Sammy stays abreast of the latest market trends and always gives my clients the best information possible about their home loans. Sammy is simply the best! 

John Shepperson  RE/MAX Preston Road North  Dallas, Texas.

Sammy is one of the most caring people I have ever met. He is a good listener.

Kent

Kent Smith & Associates
Motivation, Inspiration,
and Humor from a
Dumb Dirt Farmer
972-989-0782

Sammy helped us get settled in with a mortgage in a new community for us.  He got us a great rate and made the process easy for us, even facilitating a last minute change.  We appreciate Sammy's help and added value.

Kyle Carter

"We feel that Sammy earned his keep! He went out of his way to make sure that we got the best rate and the lowest costs. He made it a point to understand our unique situation and find the loan product that would best benefit us." 

Maury & Brenda Smeyne

Wow!  Way to get this deal done!!!  You guys are fantastic.  The efficiency and knowledge of each person in your operation was impressive and worth telling others about.

Thanks for everything,

Tara McNaughton

My Dear Sammy,

I wanted to express my feelings about you and your team.  I have never seen a team that not only works professionally but emotionally too.  I cannot find any word in dictionary to appreciate your work.  Good job, excellent job, great job, kind of things seems very tiny in front of the efforts you all have taken for me.  My family and I are unbelievably happy only because of you.  In the critical condition like me, where it was almost impossible for me to get a loan, you all made it possible.  Finally, I recommend your company to everyone who wants to get their job quickly, professionally, emotionally, with guarantee.  God bless you all.

O T Goyal

214-488-9396

I've known Sammy Gardner for over 12 years and enthusiastically and confidently recommend him to friends and family.  He is a man with great integrity and empathy.  In assisting my wife and me with our refinancing, he listened to my desires and presented several options, one of which was perfect for our current financial situation.  Sammy is awesome!

Rick Loofs

Austin, TX

Engineering Manager, Applied Materials, Inc.

Director, Bible Study Fellowship Great Hills Baptist Church

Dad of 3 incredible boys!

Aggie '89

It was a pleasure working with Sammy Gardner to refinance our home.  He really listened to us and found the financing that made the most financial sense for us.  He was very knowledgeable about the many different programs currently available.   We have been happy to refer him to several friends and family members, as we know they will be well taken care of.  We are Sammy's customers for life!

Trudy Loofs

Austin, Texas

"With the refinancing market extremely busy, Sammy's service was excellent.  He presented the pros and cons of the various refinancing options and answered our questions with straightforward and easy to understand answers. With our next home purchase or refinance, we'll definitely contact Sammy."

Steven Graf

Many times in our industry we hear stories of people not being given the complete information and even not told the truth, and that is very unfortunate. The words that come to my mind about Sammy Gardner are "Honesty" and Integrity".  Because of my working relationship with Sammy, I know you will receive the same.   I have no doubt.

Respectfully,

Joel B. Henry, Sr.

State Certified Appraiser

Licensed Real Estate Broker

We chose H5 because of our relationship with Sammy and because of his superior service.  He earned my business by listening to our needs, and provided us with a mortgage solution to meet those specific needs.

Tim Beckett

Sammy,

"Sammy kept us informed about market timing and recommended a refinance loan that saved us 20% per month on our mortgage payments. Now we can put more into the kids' college funds.  I definitely recommend working with Sammy for loans and overall financial advice."  Victor and Camilla Bannon, Frisco TX

"Time and time again, Sammy Gardner has shown me that he is a man of his word.  His team is truly committed to offering each client First Class Service in addition to Valuable Solutions to fit their individual needs.  Sammy you are AWESOME!"
Tim Sasser, Jr.
Area Manager for North Texas
representing The Nehemiah Program