2. “JEFFREY BROWN AND HIS PARTNER SAVED MY $54,000 DEPOSIT FROM FORFEITURE!!!
I was fortunate enough to have worked with Jeffrey Brown and Adam Rosenblatt on two recent mortgage transactions that had first become a
disaster due to the prior lender I had hired before Jeffrey and Adam took over.
The week of my two closings, I learned that my prior mortgage broker had not gotten our two loans approved in time. In fact and despite his
assurances we would not have a problem with closing on time, he had barely even started the loan approval process. Finding out the week of
my closings my loans were not ready was not only incredibly deceitful and shocking, but left me at serious risk since I had waived my financing
contingency believing the prior mortgage broker that the loans would be approved and closed in time. My substantial deposit was now in jeopardy
to the seller since we did not close on time and unless I could get an extension to close, we would’ve had to litigate.
Through my close friend who is also a large Florida developer who had worked with Jeffrey and Adam before, I was introduced to these two
professionals who assured me that they could get both loans closed in a matter of a few short weeks if I could obtain a reasonable extension to
close. Although I had not yet secured that extension and in an effort to save time, Jeffrey and Adam sprung in to action and by the time I had a
signed extension 3 days later, they already had both loans conditionally approved!
Within 10 business days after that, all of the conditions were cleared and the loans closed 1 week BEFORE the extension date.
Every one of their commitments and promises were delivered on and then some. They were both available 24/7 and worked tirelessly to ensure
not only that we would make the closing date, but that my deposit would be returned to me at closing, which it was.
I am beyond grateful to Jeffrey and Adam and understand why they have such strong references and the unparalleled reputation in the industry
that they do.” - Arie Solomon
“I had an incredible experience with Jeffrey Brown and Adam Rosenblatt of New Penn Financial.
In August 2012 I signed a contract to purchase my first home and was referred to a mortgage broker who was supposed to be reliable and
reputable. He told me that he would place my loan with Suntrust mortgage and promised me that there would be no issues. As we approached
the end of my 40 day contract, I began to get very concerned. The broker kept promising me that the loan would be ready the next day, but then
the following day there was another excuse. This went on for several weeks!
Luckily someone gave me the phone number of Jeffrey from New Penn Financial. I called Jeffrey and he assured me that the experience I was
having was not uncommon with mortgage brokers and surprisingly nearly identical to the experience another of his clients had just a month
before. The other client had also been trying to get a loan from Suntrust and had been denied 8 months after applying. Jeffrey had taken over
that person’s loan at the last minute and closed them, and promised to do the same for me.
Jeffrey correctly predicted that almost immediately upon withdrawing my loan application from the broker, I would receive a call telling me that
magically my loan was finally ready to close. This is exactly what happened and the mortgage broker once again promised that my loan was
indeed, “approved and ready to close.” Unfortunately, I was so desperate to close that I gave the broker another chance. Sure enough, “closing
tomorrow” turned into 2 more weeks with no closing. Eventually the broker stopped contacting me all together. Worst of all, I was then in default
on my contract and my $50,000 deposit was forfeited to the Seller because the broker had previously sent a loan approval to me which I
believed to be legitimate.
Fortunately for me, the Seller allowed me a short extension. I immediately called Jeffrey back, but I advised him that I had to close in less than 2
weeks, which I understood was almost impossible.
Jeffrey introduced me to his business partner, Adam Rosenblatt, who assured me that if I provided all of the documents he asked for that day
(Friday, 10/19) that he would have his entire team working over the weekend to get my loan approved. Unbelievably, by Monday morning I had
a loan approval. 5 days later, my loan was ready to close. In 5 business days New Penn had issued me an unconditional loan approval and was
ready to close the same loan the broker and Suntrust could not close in more than 60 days! And the rate was a lot lower! I was very impressed
with their professionalism and speed.
I am pleased to say that today I have closed on the purchase of my property, only 8 business days after I started working with New Penn. Jeffrey
and Adam delivered on all of their promises. The team at New Penn saved my deposit, my house and my faith in the word commitment. I could
not recommend them more enthusiastically.” - Brittany Bott
“I am extremely fortunate to have found Jeffrey and Adam of New Penn Financial when looking for a mortgage on my first home purchase.
Acquiring a loan on a South Florida condo is an extremely difficult task and Jeffrey and Adam accomplished it with what seemed like ease.
Before working with these two gentlemen, I went through the process with another lender, who made promises but ultimately delivered nothing.
Where that company failed, Jeffrey and Adam succeeded. Not only did they get the loan closed, they got it done before the scheduled closing
date and at a great rate (better than the previous lender).
Dealing with these two individuals has been a complete pleasure. They are available at all times and when an email is sent they respond back
immediately. They even went as far to assist in other areas of my condo purchase that were not their responsibility, and did so just to help me
and to make sure the overall process went smoothly. I couldn’t recommend them enough and again want to thank them and the entire team at
New Penn Financial for all their hard work.” - Avi Bash
3. “I am pleased to write this testimonial for Jeffery Brown, also known as “Captain Jeff” from the Varghese family.
Jeff stepped in at a crucial juncture during our condo purchasing process. For a good 40 days, we were misled by a mortgage broker who
promised us the world and delivered nothing. This broker kept misleading us during every step of our loan approval process. We went
through several rounds of contract extensions with the seller and almost lost the condo that we were planning to purchase. We therefore had
no choice but to fire this broker.
Due to some divine intervention, literally!!, Jane Buffington our realtor commended that we speak to Jeffery at New Penn Financial. Jeff
patiently walked us through the loan approval process. Having agreed to the scope of work that was required, we established a time frame
and budget. Jeffery completed the work on time, and within budget, and we are delighted with the results.
Jeff has lead by example. My wife and I have found his enthusiasm and dedication both inspiring and motivating. Jeff has really strived to
build authentic relationships with his clients. His efforts have made our mortgage process extremely pleasant. I also want to express my
gratitude to Jeff and his team for the high quality of service that they provided us.
I have no hesitation in recommending the services of “Captain” Jeff and his team at New Penn Financial. We will certainly be calling on him
again as the need arises. Please feel free to contact me regarding this recommendation if required.” - Sanjit Varghese
“I began working with Jeffrey this summer when I was interested in purchasing a property where New Penn was listed as the preferred
lender. Jeffrey and his team immediately collected the information they needed to support me in the pre-qualification process to purchase
that condo. However, I ended up submitting a contract on another property and subsequently chose another lending institution (initials WF)
to handle my financing. Jeffrey attempted to educate me on New Penn’s success rate, and told me New Penn was able to close loans when
others could not; but I did not listen. Who was this New Penn anyway? I don’t see their name plastered on every other block, right? Well,
30 days before my closing, the other lending institution told me we had a dead deal. What? I immediately reached out to Jeffrey who was
able to close the loan for me within 30 days and met my original close date. Unbelievable! New Penn was professional, straightforward and
Jeffrey personally communicated with me almost daily to ensure we could close on time. I could not be happier with the experience I had
with New Penn. I’ve learned my lesson and I will always use New Penn for any future real estate financing needs.” - Keith Lindsay
“Because our mortgage had been with Suntrust for 18 years, when we decided to refinance they were the first ones we called and we
were immediately told that we were approved and that everything would be quick and painless. After 6 FULL MONTHS and despite having
been told all along that our loan was approved and ready to close, we were surprised to hear that we were ultimately denied. The loan officer
at the bank assured us that he could still get it done if he switched programs and two months after that, we were denied again. Needless to
say, we were shocked considering that we had documentable income, perfect credit and substantial liquidity.
Having heard from another friend that Jeffrey Brown was the best in the business, we contacted him and Jeffrey immediately got to work.
Our loan was approved in no time and we experienced zero issues. Jeffrey was honest, professional, always available and offered us the
best rate in the market! More importantly, he did exactly what he said he would. I have heard so much about the problems in the mortgage
business and how so many qualified people could not get a loan and having had our miserable experience with Suntrust, we saw firsthand
that the stories are true, but not with Jeffrey!
Without any hesitation, I would give Jeffrey the highest recommendation possible when it comes to mortgage financing. Simply put, there is
none better in the industry!” - Pamela Altman
“AMAZING TO WORK WITH! In a real estate market where it is very difficult to finance most condos, Jeffrey and his colleagues at New Penn
Financial went above and beyond with service and expertise and made it seamless for my client to obtain financing on their dream condo,
at a great rate! Jeffrey was the most responsive and professional person I have ever dealt with in the Miami market. From the start of the
financing process to the closing, Jeffrey and his team were at all times responsive and hands-on. They were able to get us a great rate and
even close ahead of schedule.
I cannot say enough about Jeffrey Brown and New Penn Financial. I am now a customer for life and will continue to use Jeffrey and New
Penn Financial for all my financing needs! I plan on referring all of my clients to them as I know they will get the job done better than anyone
else!” - Daniel Hechtkopf
“It was an amazing experience working with Jeffrey. After two months of unsuccessfully trying to process a mortgage for our new condo in
North Bay Village, we met him. We were frustrated, and the seller was frustrated as well. Jeffrey wore many hats during this process. From
providing reassurance to all parties, to getting us approved and closed in less than three weeks! His professionalism was impressive. But
in addition, we felt understood and help at a personal level. Although all our contact was over the phone and e-mail (we never met face to
face), Jeffrey expressed a real concern for our situation and help us throughout the process. We are deeply grateful and will pursue working
with him in the future shall the opportunity arise. Final words for him: Thank you.” - Judith Ramos
4. “INDIVIDUALS MAKE MORTGAGE LOANS HAPPEN, NOT A BIG BANK NAME!
I contacted Jeffrey Brown in February 2012 when I was looking to refinance the mortgage on my primary residence and after speaking with
many of the big name banks, I hired Jeffrey as I quickly became confident in his abilities over all of the big name lenders I spoke with and
my decision could not have proved more correct! Anyone can quote a rate and tell you that you are pre- approved, but closing a loan is
something entirely different.
Although New Penn Financial is not a large household name like Bank of America, Chase and Wells Fargo, after doing some research I
discovered that they are one of the largest lenders in America, but unlike the banks, they give personal attention and replied quickly to all of
my requests. Jeffrey answered the phone late at night, on weekends and it was refreshing to have been able to communicate with him and
to find out honest reports of the status of my loan at any time during the process. Having been first told by other lenders that the loan would
take several months to complete, I was surprised that Jeffrey and New Penn were able to get my new mortgage closed in less than 1 month!
Additionally, New Penn had the best rate in town offered me a new rate that was nearly 2% better than my prior loan.
All in all, New Penn ended up closing faster than anyone else could with the best rate, the lowest costs and by far, the best performance!!
Thank you Jeffrey and New Penn for a job perfectly done!” - Jessica V.
“As the President of Douglas Elliman Realty of Florida, I have had the good and sometimes bad fortune, to work with many mortgage
lenders on all types of residential loan transactions and I can safely say that there is not a more qualified, professional or knowledgeable
mortgage lender in the business than Jeffrey Brown.
Not surprisingly, Jeffrey is available 24/7 for me and our clients. Jeffrey has continuously made the seemingly impossible, possible and
both he and his team of loan officer professionals take a personal interest in every individual they work with “holding their hands” with
professional and unequaled guidance throughout the process. In some cases where buyers have first selected other lenders at the suggestion
of their agents, Jeffrey has been able to take declined loans from others and turn them in to quick approvals and closings.
In our market which is largely made up of condominiums, it seems that nearly every major lender will find any excuse not to do loans, while
to the contrary, Jeffrey and his group finds solutions to problems and get those same loans closed, in some instances in as little as a few
short days.
I have advised all of my 200 agents that if they want to get their transactions closed, the safest and most reliable choice in the mortgage
business is to deal with Jeffrey Brown.
If you are looking to buy a property, sell a property or simply refinance an existing property, do not make the mistake of choosing a lender
simply because they have a large household name or offer a rate that sounds too good to be true. Choose Jeffrey and you cannot go wrong!”
- Vanessa Grout
“After speaking with several mortgage bankers from both Major financial institutions and smaller brokerage firms, there was no hesitation
when we decided to choose Jeffrey to provide the mortgage on our new home in Florida.
Jeffrey was not just an “order taker” like most at call centers for banks, but someone who spent the time necessary to fully understand our
situation to recommend the right rate and program for our circumstances. He actually met us at the home we were considering buying so he
would have not only an understanding about us, but also the property we were looking to purchase. We have taken several mortgages in the
past, but have never had such personal and professional service from such a knowledgeable individual. Unlike the others we spoke with prior
to meeting him who almost never answered the phone and rarely called us back, Jeffrey was always available to answer questions be it
day, night and even weekends. If we did have to leave a message, he called back within an hour. The team around him was also very diligent
with our application and the loan we applied for was closed in just two weeks, something that other banks said could not be done for at least
two MONTHS.
It was not surprising to later learn that Jeffrey has consistently been among the top producers in the business nationally and when we
determined recently that it was time to refinance, there was only one call we considered making. It was amazing that Jeffrey remembered
not only all of the details about us as borrowers, but the details of the loan he closed over two years ago. It is obvious that he cares about his
customers and enjoys his work, something that is rare to find in any business today.
If you are considering taking out a mortgage, I would strongly recommend Jeffrey Brown and his team. There is simply no one better in the
business.” - Richard D’Addario
“After an extremely frustrating experience with Bank of America, Jeffrey Brown made it possible for us to obtain a loan for a non-
warrantable condo. The process was done in a very timely manner with a high caliber of professionalism. We were pleased with the great
rate he was able to secure for us. Jeffrey’s outstanding service made it a pleasure to work with him!” - Troy Pizano
5. “Jeffrey Brown has worked with my son last year, saving a Real Estate deal that was going south, and closing the loan in record time to full
satisfaction of all parties involved.
Last month, I had the opportunity - and the pleasure - to work with Jeff Brown and Adam Rosenblatt directly. I had been first approved and later
declined on a loan for an investment property after working with a Mortgage Lender that misled me and my Realtor, and we were at the brink of
losing the investment opportunity and my down payment.
In less than 30 days, Jeff, Adam and the New Penn Team worked around the clock to get the right loan, giving me the right advice and working
together with my Realtor and the Seller Realtor directly, crossing all the “Ts” and dotting all the “Is”. We closed the deal yesterday - in a smooth and
professional way, within the same estimate costs that he ran in less than three hours after we got our first conference call !
I strongly recommend: Jeff is the best Mortgage Banker in the Miami area, you don’t need to search any further: Knowledge, Honesty, Integrity and
Responsiveness - he is the real deal. Thanks a lot Jeff.” - Ronaldo Marques
“My realtor and attorney connected me with New Penn, and specifically Jeffrey Brown and his excellent team, when a condo loan I was working
fell through with BNC. We were at the very last stage of getting to closing when, although the BNC loan officer continued to say everything was
fine, the loan was denied due to litigation against the developer. This litigation had been discussed with the BNC loan officer before I even locked in
the rate and all information requested on the litigation was disclosed. The BNC loan officer discovered a provision that caused the loan to be non-
conforming at the last minute and I was denied the loan two months into the process and two weeks prior to closing.
I contacted Jeffrey at New Penn the day my loan was denied and the amazing
New Penn team gained approval for the loan in days and we closed only one day after my originally scheduled closing. It has to be a record closing
that I think even the New Penn team was amazed they accomplished. Jeffrey and all the New Penn team were extremely responsive to questions
and issues any time of the day and even on weekends. The customer service I received from New Penn is unparalleled. I appreciate how they have
helped make me a happy owner in this difficult and unique market of condominiums here in South Florida. I will definitely go to New Penn and
Jeffrey first for any of my mortgage needs!” - Shelly Alvirez
“I recently purchased a condominium in Miami Beach and was very pleased to obtain financing through New Penn Financial. When I first signed
the contract to buy the unit, I assumed it was going to be nearly impossible to obtain a loan on a condominium in Florida as a second home. After
calling several lenders back in the fall of 2012 and not getting a good feeling about my prospects, I was referred to New Penn by the Eden House
condominiums sales team. It was then that I had the pleasure of meeting Jeffrey Brown and his outstanding team.
From the very beginning, Jeffrey reassured me that I would be able to obtain financing. Although he was the most knowledgeable, confident and
professional lender I had ever met, I still had my doubts about being able to get the loan considering the many challenges and road-blocks borrowers
face today. Jeffrey guided me through the loan application process and he always had time to explain the various steps involved and answer my
questions. He kept me well informed throughout, and most importantly, he got me approved. I closed on my condominium earlier this month. Jeffrey
Brown has my strongest possible recommendation.” - Tony Tellado
“In October when I contracted to purchase a new home from a bank that owned it, my Realtor recommended Jeffrey Brown and Adam
Rosenblatt of New Penn Financial for my mortgage. I wanted to use them but the bank who was selling me the home insisted I use them for
financing, so reluctantly I applied with them. THIS WOULD PROVE TO BE A TERRIBLE MISTAKE!
I spoke to the loan officer from the bank and he told me I was pre-approved and assured me that there would be no issues closing the transaction in
30 days. Almost immediately, I started to get uncomfortable with his performance and the fact that I could not reach him regularly. Yet, because his
bank owned the property and he assured me I was already pre-approved, I continued on.
Jeffrey had warned me about other lender’s misrepresenting themselves, but I had dismissed this as salesmanship. I would soon find out how right
he was.
The bank issued me a loan approval, and I was relieved because I thought the transaction was now essentially complete. Then another 2 MONTHS
goes by with me getting excuse after excuse as to why the bank was not ready to close. Then I get a call finally and the loan officer at the bank tells
me MY LOAN IS DECLINED! I literally did not believe him. I had perfect credit, a good job, was putting down 30% and the appraisal came in at
value. How could I be declined? I soon found out that because the condo association was involved in two minor lawsuits that the bank would not
make the loan to me - even though they already owned the property!
I was very lucky to get a short extension on my contract, but was only given 30 days to close. Having already started the process earlier with Jeffrey
and Adam, I contacted them again and explained the situation. They were very polite (no “I told you so”) and clearly outlined the steps needed to
move forward and close. Although it was in the middle of the Christmas holidays, within a few days they had underwritten my loan and issued me
a loan approval. Having been here before, I was still concerned about the litigation. Over the next days, Jeffrey personally spoke with the condo
association, the attorneys in the lawsuits, and the insurance company that insured the building. They completely documented the legal cases and
appealed directly to FNMA for an exception to make the loan. This is something no other lender would have ever done.
In spite of all the extra work, Jeffrey still offered me the very best mortgage rate in the market & the lowest fees and we closed on time without
issue. It is unbelievable that anyone would go to the lengths that they did just to close my loan, but I am extremely grateful.
Thank you Jeffrey, Adam and New Penn for truly exceptional & unequaled service, not to mention an incredible mortgage rate. You have earned my
business forever and more importantly, my trust and faith in the word commitment!” - Armand Dragon
6. “THEY LITERALLY MADE A LOAN OUT OF NOWHERE!
My highest recommendations and appreciation to Jeffrey Brown, Adam Rosenblatt and the entire New Penn Financial organization for finding
the solution we needed to get a mortgage.
In early October I contracted to purchase a condominium in a building in North Bay Village and was referred to Jeffrey Brown of New Penn
by the building’s developer who explained that Jeffrey was the very best in the business. Because I had a very complicated tax structure by
working for a foreign government and had also heard of the difficulties in obtaining a mortgage at properties that
were not Fannie Mae approved, I was cautious when we first spoke. After a few minutes with Jeffrey, I quickly realized that I was in the right
hands despite our very complicated and seemingly insurmountable circumstances.
Jeffrey and his team reviewed my tax returns with the precision of a forensic accountant and came up with a solution that would allow us
to be approved for a loan. Within a few weeks of filing an amended return with the IRS we had our loan approval!! I was absolutely amazed
since none of the other lenders I spoke with were able to approve us nor did they have the understanding of the underwriting guidelines
enough to see that we could actually be approved by filing the appropriate and allowed amendments with the IRS.
Yet, Jeffrey and Adam were available 24/7 to assist and shepherd us through the complicated maze of getting a mortgage loan and after a
few more weeks the transaction was completed just as they said it would. On top of all of the hard work they did, we also got the very best
rate in the market!!!
They went well beyond what I ever imagined a loan officer would be and have allowed us to obtain a great loan, which none of the other
lenders knew how to accomplish!” - Diego Duhour
“I wanted to let everyone know of the wonderful experience I had refinancing my mortgage through Jeffrey Brown at New Penn Financial.
Jeffrey and his dedicated team have now closed my loan twice - The first time when I purchased and the second time last week when I
refinanced it and they dropped my rate.
Both transactions were quick and painless. His service and rates were unbelievable – Far better than any other major lender.
If you are considering buying a new property or refinancing your existing mortgage, I highly recommend Jeffrey Brown. Call him at 786-208-
1887.” - Recai Hasan Ikbal
“My husband and I scoured the mortgage market when we were looking to buy our first home and a friend recommended Jeffrey Brown
from New Penn saying he was by far, the best loan officer in the business. Although we had first spoken to Wells Fargo and Bank of America
(where our accounts are with), we selected Jeffrey to handle our mortgage needs and we could not be more pleased with our choice. Unlike
the other loan officers that we had first spoken with who were unresponsive, Jeffrey was available days, nights and weekends and seemed to
take a very personal interest in his profession and our needs.
In addition, the rate we were offered with New Penn was better than all others. Rates, personal attention and execution could not have been
better. Our loan was quickly processed, underwritten and within a week we had our approval and closing took place only two weeks after.
Had it not been for a delay on our side, Jeffrey would have been ready to close in just two short weeks, but regardless of our delay, the loan
closed in 20 short days from start to finish.
We have heard so many people speak of the horrors of the mortgage world today with slow processing times, low appraisals, loan
declinations despite borrowers being “pre-approved”, but we experienced none of these issues with Jeffrey Brown and New Penn.
If I had to sum up my experience with a few words, I would say OUTSTANDING, PERFECT and EXACTLY AS IT SHOULD HAVE BEEN!
THANK YOU JEFFREY AND THANK YOU NEW PENN FOR MAKING OUR HOME BUYING EXPERIENCE WONDERFUL!” - Lili Loebl
“I had purchased a condominium in Miami that had a short due diligence period because of a competitive bidding process. Jeffery came
through for me under severe time constraints and complicated process because of the fact I was a foreign buyer. The application was handled
professionally and expertly with excellent results.” - Eli Swirsky
“Jeffrey was absolutely fantastic during the process of refinancing my mortgage!! Another lender tried for 10 months and after promises
that my loan was approved and that we would be closing “next week”, they were ultimately and unsuccessful in the end.
Jeffrey did in 3 weeks what they could not do in nearly 1 year and he lowered my interest rate from 5.625% interest only to a fixed 30 year
principal and interest rate of 3.375%!!
I am a realtor and have seen so many brokers and lenders make promises they could not live up to, but everything Jeffrey said would happen
7. did and in record time. His communication, execution and rates are second to none and he has earned not only my business, but all of my
clients.” - Paula Dabul, TRC
“Jeffrey and the team at New Penn Financial are amazing. I was a first time home buyer and they handled my stress with the greatest of
ease. Jeffrey was able to get me an incredible mortgage rate, he is very friendly and genuinely interested in helping someone buy a home
that they love. He is extremely knowledgeable on the entire home buying process, from buildings to developers to realtors to mortgages and
rates. I could not have been in better hands. Thank you, Jeffrey!” - Katie Coffey
“Jeffery was able to get my loan approved quickly inspite of some complicated personnal issues and the problems surrounding the condo
market in Miami.” - Rene Tastet
“Jeffrey is simply “the go-to person” on any mortgage loan need. He will work side by side with you, tossing ideas and evaluating options
jointly with you to make the deal a REALITY instead of just a dream. Jeffrey is an individual 100% oriented to service and quality, the type
you will want to have running your own business!
As a by-product of my interaction with Jeffrey and his team of dedicated professionals, they discovered a serious mistake made by my own
Accountant on my Tax Declaration. Had it not been for them, probably today I’d not only not have a home but most likely would be in serious
trouble with the IRS!! In summary, a phenomenal individual with outstanding personal and professional qualifications, totally oriented to
customer satisfaction and quality of results. It really doesn’t get much better than this!” - Federico Fascetto
“Jeffrey did an absolutely amazing job helping me throughout the loan process. He was very professional, always available to answer
questions, and always followed up with items on time. As a first time home buyer and learning about everything that goes into the loan
process, I can’t imagine what it would have been like to get this done without his help.” - Francisco Mallmann
“Jeff, along with the team at New Penn Financial, surpassed all expectations I had. Navigating a financed purchase of a condo in the
current Miami real estate market is nothing short of a nightmare, and after several tentative deals that fell through with other mortgage
brokers, the job that Jeff did in getting all the documentation and financing ready for closing in less than a month, with an FHA loan, is truly
outstanding. The execution was absolutely flawless and I would recommend Jeff’s work to anyone.” - Rodrigo Marques
“Jeffrey is tenacious, knowledgeable and persistent in his pursuit to provide high quality services to his clients. Jeffrey is an excellent
communicator keeping me well informed during each step of the loan process. He is always polite, supportive and professional in his
interactions. He was recommended to me by a trusted friend and I would highly recommend his services to my friends.” - Debra Dietrich
“Jeff was so helpful to me in attaining a mortgage to fund the purchase of my husband and my first home. He was professional, kind, and
courteous every step of the way. He saved me from making a bad decision regarding another loan I was approved for. I chose to work with
Jeff instead based on his creative ideas and good advice. I highly recommend Jeff as a business professional to be assisted by.” - Nicole Pita
“In 2010, I was engaged to be the sales and marketing director for four fractured condominium projects in Miami. Through this
assignment I was introduced to Jeffrey Brown and Adam Rosenblatt of New Penn Financial.
Jeffrey and Adam were selected to provide not only the financing for our buyers and also to undertake the critical and difficult task of securing
the Fannie Mae and FHA project approvals for our properties.
Because of their expertise in working with the project approval process, our properties became one of a small number of buildings in the
entire South Florida market where both FNMA & FHA loans were available to new buyers. This has since proven to be one of the primary
factors for the incredible success we have experienced in selling our projects at above projected prices.
Because we believed that Jeffrey and Adam would be able to successfully isolate us from the very serious mortgage financing problems that
other buildings in South Florida are experiencing, the owners made the decision to offer a 1% seller contribution to all buyers who used the
preferred lender for their mortgage. This cost was built into our pricing model, and proved to be one of the best decisions we made. Jeffrey
and Adam went on to do exactly what they had promised, and were able to set up a mortgage program for our buyers that worked like a
well oiled machine. They pre-qualified each buyer prior to contract submission, saved us from signing contracts with buyers who did not
qualify, and closed loans for nearly all of our buyers in very short time frames and without issue - even providing a mortgage for the buyer of
an extremely unique $1.3 Million penthouse in our Ios on the Bay Project in Miami. Their rock solid reliability allowed me to focus on doing
what I do best, which is selling homes, since I knew that once they spoke to the buyer it was a done deal. They are more than just amazing
mortgage lenders, they are fantastic sales people, and there were countless times when a call to Jeffrey or Adam was able to solidify a shaky
or uncertain buyer. Everyone at the project loves them, from the investors to my sales staff and down to the individual buyers. We have never
received anything but praise about Jeffrey and Adam.
8. Jeffrey and Adam are passionately dedicated to customer service and are available around the clock - whether we called them on weekends,
nights or even holidays. I have been in the real estate business for many years and have worked with hundreds of mortgage brokers and
banks, and I can say without any hesitation that if you are selling properties in South Florida and want to ensure your own success, hire
Jeffrey and Adam. You will not regret it.” - Ann Nortmann, Broker Associate, Keller Williams Miami Beach
“Jeffrey and New Penn Financial made it very easy for me, a first time home buyer, to purchase my home. Jeffrey’s service was both
personal and attentive. I am glad to have worked with him and would again in the future without hesitation. These guys go out of their way
for you and don’t give up.” - Antonio Gomez
“Since I retired from Mayo Clinic at the end of 2010 my wife and I nurtured the dream of acquiring a condo in the area of Miami. This
dream was augmented remarkably in mid 2011 by the fact that my daughter, Dr. Alessandra Nascimento, accepted a position at Baptist
Memorial Hospital and decided to move to Miami along with her husband and my two grandchildren.
We start to look for a condo that fit our dream at the end of 2011 helped by Bruce Lieb, a nice and extremely helpful local real estate agent.
We found the condo of our dreams in Coral Gables and in order to buy it we were directed to Mr. Jeffrey Brown, the Developer Services
Division Manager at New Penn Financial, LLC. Mr. Jeffrey Brown helped us through a long, busy, but extremely rewarding process in the
direction of a loan which would be the final step for fulfilling our dream of buying this nice condo in Coral Gables.
Mr. Jeffrey Brown, his coworker Adam Rosenblatt and all the members of NEW PENN FINANCIAL proved to trustful, honest, helpful, patient,
professional and, more importantly understanding in the process of obtaining the required loan.
At the time we were living in Brazil and had very little experience with the laborious and time consuming process of putting together all the
documents in a timely fashion to be inside the deadlines required. I should say that thanks to Mr. Jeffrey Brown’s guidance we were able
to put everything together in record time to obtain the so desired loan that possibilitated the closing in the date of our choice, February 22,
2012, my wife’s birthday, and the condo was her birthday gift.
So to finish we would like to say to NEW PENN FINANCIAL and to all that would eventually read this recommendation that I recommend
fully with no reservations Mr. Jeffrey Brown and his coworkers to help to develop anybody loans. They are very professional and trustful
people, and we are grateful for our fulfilled dream.” - Antonio Nascimento
“Jeffrey Brown is a one of the best mortgage originators in the business!”
I first met him when I was working with a Buyer that had a pre-approval from another bank and only days before closing, the bank contacted
the Buyer and said that they could not approve the condo and would not close the loan. The Buyer was about to lose a $60,000 deposit, but
Jeffrey assured me that he could get the condo approved and close the loan in a few weeks and he did just that.
Ever since, we have worked with Jeffrey in a great number of deals. While so many banks give worthless pre-approvals, issue terribly low
appraisal valuations and cannot close loans (especially on condos in Florida) for well qualified buyers, Jeffrey gives reliable pre-approvals.
Whether it is a foreign national investor, domestic primary resident or second home buyer, the loans close on time. Just as important
however, he makes sure that clients can qualify before we spend any time showing properties.
Additionally, he answers calls days, nights and weekends and is always available to assist the agents in my office and the our clients.
If you want your loans to close, call JEFFREY BROWN!” - Anays Robles, Broker/Owner, ROBLES INTERNATIONAL REALTY CORP.
“I had the wonderful experience of working with Jeffrey with the financing of my home. Prior to having dealt with Jeffrey, I was completely
disappointed with the mortgage industry. At the first bank I went to, many promises were made but at the end, they did not deliver since
they did not possess the knowledge necessary for the transaction. Luckily, Jeffrey is an expert in his field and assisted with the financing
process in a seamless manner. I’m eternally grateful to have worked with such a professional individual.” - Anais Sanchez
“I had the pleasure of working with Jeffrey when my client was in need of a mortgage loan and was very impressed with his timeliness,
follow through and upfront approach to doing business. Unlike most mortgage lenders that merely take applications and give approvals
without really checking everything, when they tell me the client is approved I have the certainty that the deal will close. Jeffrey was very
active in making the deal come to fruition. He took an active role to assist whenever necessary and handled my client in a very professional
manner.
Needless to say, I have already began to work with him as my preferred lender and sent other clients to him!!” - Andro Mateu
“Mr. Brown and his team worked closely with the executives of Boca Developers as well as the salespeople from each of our 6 projects
throughout the State of Florida and became a trusted adviser and friend to all. Having been in the real estate industry for more than 15 years
and having worked with hundreds of individuals in this industry, I can say without any hesitancy that his market knowledge and expertise
within his field are second to none.
9. In each of the projects he managed, he closed the vast majority of all loans and when other major banks failed to deliver commitments,
he was able to perform and obtain the financing. In one instance at our Marina Grande Holly Hill project, he literally took a file on a Friday
afternoon and closed it by the end of the day on Monday. I was astounded, having never seen execution like this ever before.
Jeffrey has the keen ability to quickly understand his clients needs and solve the problems as the transaction proceeds. In addition to be a
first rate professional, Jeffrey is a good person and a delight to be with. Highly recommend him for mortgage and related activities.” - Bob
Smither
“I met Jeff when I started looking into getting a loan for a non conforming property in Miami Beach. Jeff answered all the questions i had
and also a few that I did not even know I had.
Needless to say I took advantage of his and his associates knowledge and we successfully completed what I had set out to do. I am now in
the process of using Jeff once again.” - Angelo Ciocca
“As the contract administrator for a large new construction condo in Miami Beach, I have had the pleasure working with Jeffrey Brown at
New Penn Financial with our project, Terra Beachside.
Jeffrey was our preferred lender and intitially provided the project’s Fannie Mae approval and then the end loans to our buyers at the project.
Jeffrey was successful in closing 100% of the loans he and his partner originated. In fact, he provided nearly every loan at the project,
including those that many major banks struggled with for many months and ultimately denied. Whether it was a conventional or Jumbo loan
to a U.S. buyer or foreign national, he always got it closed and in record time.
He established financial resources for the buyers and provided clear communication to us throughout their financing process. He is an
invaluable resource for any developer or realtor!
Thanks Jeffrey for all your efforts and I hope that we can work with you in the near future!” - Amanda Scott
“We contacted Jeff after we were referred to him from a mutual contact and although we were skeptical having first dealt with a few
major banks that could not perform; we could not be more pleased with the outcome of Jeff and his company.
Our initial concern was whether the property would appraise out at value because a prior attempt with another bank did turn out well . New
Penn’s appraiser spent a lot of time at the property to understand the market, our improvements and everything else about the property
necessary to give it a fair chance to make real value and when all was said and done, they got to the value necessary to proceed with the
loan.
Additionally, although we originally were interested in a 30 year fixed rate, Jeff came up with a more beneficial loan structure with little
impact to our total monthly payment that would pay off the loan in half the amount of time saving us over $100,000!!!
Unlike experiences with others, Jeff was always available, days, nights and weekends to discuss our progress and guide us through the loan
process.
I highly recommend Jeff and have become a lifelong customer! Jeff is a very experienced adviser and most of all, he delivered on what he
promised and in record time.” - Liana Pernes-Muthig, CSM, PMP, CSSGB
“Hi All,
I want to highly recommend Jeffrey Brown for any residential or commercial financing. I have worked with him and his team several times
and they never miss an appraisal, he always gets the best rates around with quick closings. He can make the impossible possible in any
market. All my clients are extremely happy with his work! He is Brilliant!” - Leo DeLaHoz
“Jeffrey Brown has been my go-to guy for lending for many years now. He has helped my clients get their condos and homes financed. He
is very knowledgeable in his field and a pleasure to work with.” - Patrick Vysata
“Jeffrey Brown was recommended to me by a real estate agent as being the best in the business. She simply said, “if he can’t do it, no one
can”. After I spoke to him I realized what she meant, even though he was at the time in the other side of the world (in Greece) he took care
of my doubts and financial needs as if he was next to me the whole time.
I started my journey looking for a home for me and my small but growing family with no real direction, and by speaking to this man it made
all the difference.
Following his advise I found and closed on my first home within 2 months start to finish. I am myself very busy and did not have the chance
to meet Jeffrey in person, but the level of personal service I got from this man is unmatched. I take this opportunity to say Thank you and
your staff for making my dream come true. I’m on my way to the American dream!!! People do make a difference.” - Luis Corado
10. “I can see why Jeffrey has a glowing and lengthy list of recommendations! As director of sales with Majestic Properties on multiple new
construction projects I have had the fortune of working with Jeffrey on the lion-share of our financing deals. In every single case Jeffrey
and his team approved and closed deals faster than any other lending institution. They not only made the process seamless for our buyers
but also stepped in on numerous occasions to save deals that other lenders could not bring to fruition. I honestly can’t imagine there being
anyone as knowledgeable and market-savvy as Jeffrey in the business today.” - Ivan Chorney
“Jeffrey Brown and his team provided great, seamless and very fast loan for my first home in Miami Beach. I will always be grateful to
Jeffrey and his team. While many loan and mortgage processes might be very painful, stressful, unpersonalized and take time, Jeffrey made
it so smooth, great, personable, and so effective, efficient and he provided and delivered excellent results, on time, with high integrity, and he
exceeded all of my already high expectations.
It was such a pleasure to work with him. I will definitely hire Jeffrey again. He made my first mortgage experience a very pleasant one. It
was like a walk through a park. Jeffrey’s professionalism, efficiency and attention to detail made a huge difference in achieving my desired
outcome. Thank you Jeffrey for all your work and for making my dream come true.” - Thomas Holmengren
“Jeffrey was recommended to me by my real estate agent and right away I was pleasantly surprised by his direct involvement into
explaining in detail everything involved in the deal and making sure that everything that needed to be done from his side would be
accomplished. He would also bring different ideas for me to consider that would be of benefit for me. Jeffrey, his institution and the people
that work there were always willing to go the extra mile, answering all my questions and concerns, no matter the day or time and I was able
to close the deal. I would highly recommend him and his team and would definitely work with him in the future.” - Francisco Hernandez
“I am a first time home buyer, and Jeffrey’s assistance throughout the process was amazing. I travel a lot for work, and I was on a strict
timeline to get things accomplished. Jeffrey was extremely efficient, and we were able to complete the closing with no hang ups. Jeffrey
consistently followed up to ensure we were on schedule. I would highly recommend Jeffrey and the team at New Penn Financial if you are
looking for a Home Loan Provider.” - Brandon Conrad
“After speaking with several mortgage bankers from both Major financial institutions and smaller brokerage firms, there was no hesitation
when we decided to choose Jeffrey to provide the mortgage on our new home in Florida.
Jeffrey was not just an “order taker” like most at call centers for banks, but someone who spent the time necessary to fully understand our
situation to recommend the right rate and program for our circumstances. He actually met us at the home we were considering buying so
he would have not only an understanding about us, but also the property we were looking to purchase. We have taken several mortgages in
the past, but have never had such personal and professional service from such a knowledgeable individual. Unlike the others we spoke with
prior to meeting him who almost never answered the phone and rarely called us back, Jeffrey was always available to answer questions be it
day, night and even weekends. If we did have to leave a message, he called back within an hour. The team around him was also very diligent
with our application and the loan we applied for was closed in just two weeks, something that other banks said could not be done for at least
two MONTHS.
It was not surprising to later learn that Jeffrey has consistently been among the top producers in the business nationally and when we
determined recently that it was time to refinance, there was only one call we considered making. It was amazing that Jeffrey remembered
not only all of the details about us as borrowers, but the details of the loan he closed over two years ago. It is obvious that he cares about his
customers and enjoys his work, something that is rare to find in any business today.
If you are considering taking out a mortgage, I would strongly recommend Jeffrey Brown and his team. There is simply no one better in the
business.” - Richard D’Addario
“As a condominium developer for over 20 years in Miami, I recognize how important relationships are with trustworthy and reliable
mortgage lenders to get my units financed and closed. Having worked with every major lender in the business, I can say without any
hesitation that Jeffrey Brown and his team are the most professional, knowledgeable and assertive in the industry.
Jeffrey provided both the necessary Fannie Mae and HUD (FHA) approvals for my 164 unit condominium development in Miami and
provided nearly 100% of all loans to our borrowers. While other major lenders have issued approvals and ultimately declined to close loans
for one reason or another including issuing low appraisals or failing to approve the building, Jeffrey has never failed us nor a single borrower
of ours. Often times, Jeffrey picked up the pieces of broken loans from major financial institutions and was able to close what they could not
in 90 or more days in as little as 3 days.
Additionally, I have never met such a hard working individual. He is available around the clock 7 days a week, even when he has been
traveling on business 6000 miles away overseas. Day, Night or weekends, he is always available to us and his clients. Our buyers and
11. brokers have even thanked us for making the introduction to Jeffrey and his company because they know that if he takes the
loan application, it is certain to close.
There is simply no better lender in the business, period.” - Scott Greenwald
“I had a client that needed to get a loan done is less then 30 days. Jeffery came highly recommended from a colleague of mine as someone
who could get the job done so we decided to work with him. It was no easy task as my client had a complicated financial structure but
Jeffery & his business partner Adam came through and did an amazing job. They were able to get the loan approved in about 3 weeks. I
highly recommend their services.” - Bill Saedlo
“In mid 2009 I contacted the local Fannie Mae representatives to inquire about getting a full FNMA PERS project approval for our 630
unit, 50 story hi rise condominium in Miami. During the initial conversation with Fannie Mae, I said that Jeffrey Brown was the mortgage
banker working with our buyers for mortgage loans and the FNMA representative replied that Mr. Brown was the individual with the most
experience in the market for Fannie Mae PERS approvals and that I would be well advised to work with him for the critical PERS approval on
our building.
We continued to work with Mr. Brown and his organization because they uniquely provided the tools to get our buyers’ loans closed in the
most efficient manner. Among other things, we found them to be:
The most responsive lender.•
Able to constantly provide great communication to keep us up to date on each sale/loan in the pipeline.•
The only lender to deliver closings on time, every time.•
Capable to handle troubled loans that other major banks and brokers could not•
The most knowledgeable on the market and competitive properties.•
The most efficient by using local operations and underwriting which allowed for the fastest closings.•
Most recently, I turned to Mr. Brown to refinance my personal residence and the transaction was absolutely flawless and pleasurable.
As the person solely responsible for residential closings at our company, I can personally state that Jeffrey Brown is the most professional and
knowledgeable mortgage banker I have ever had the pleasure to work with in my career.
If you are looking for a mortgage banker to close your project – look no further than Jeffrey Brown.” - Bruce Kassman, Vice President
Development, Florida East Coast Realty
“I have worked with Jeffrey Brown on multiple occasions and each one has been a success. He never fails to get customers the financing
they need. No one knows the market better. I highly recommend Jeffrey Brown and look forward to our next deal together.” - Jessica
Bostwick, Developer Sales, Terra Beachside Villas
“I was introduced to Jeffrey Brown by the Developer of a condo in which I represented a buyer of one of his units. My buyer had a unique
situation and we knew from the beginning obtaining financing would be an uphill battle. He had already been preapproved by his own bank,
but at the suggestion of the Developer we contacted Jeffrey. After initially speaking with Jeffrey, I felt very confident he could help my client
and strongly suggested my client obtain his loan from New Penn Financial. My client was a Doctor who worked at least 80 hours a week and
was extremely busy. Jeffrey catered to his needs and was very understanding and extremely patient during the entire process.
I have been in the real estate business for over 9 years and had a Mortgage Brokers license myself from 2002 to 2010. I have very high
standards of expectation and I can tell you that Jeffrey exceeded every expectation I had of him. When I called, he always answered my calls
or returned them in a very short period of time. He responded to my e-mails almost instantaneously. He also kept my client well informed
every step of the way and also called or e-mailed me to ensure I knew what the status of the loan was at all times.
I can honestly tell you I have never received such outstanding service from any loan officer I have worked with. His degree of expertise
and professionalism is well above any company I have done business with. His work ethic and dedication to not only closing the loan
but providing superb customer service is to be highly respected and praised. He went way above and beyond the call of duty and I really
appreciate all of his hard work. I would recommend Jeffrey to any clients I have in need of financing. Thank you very much. It’s easy to see
why you are so successful!” - Denni Jordan, Broker/Owner, Miami Real Estate Realty, LLC
“I have worked directly with Jeffrey in closing many transactions where my firm was the closing agent. Where other lenders have failed
to deliver what was originally promised to their clients, Jeffrey has been on point every time. Each transaction was handled seamlessly, and
when obstacles were thrown in the way (as they always are), Jeffrey’s ability to work through the issues and come to a speedy resolution
enabled each file to close on time. Additionally, with all of the financial turmoil and difficulty in obtaining loans, Jeffrey is able to work with
each borrower to find a loan program that is the right fit with respect to rates and in overall cost.
12. In short, I cannot give a higher recommendation when it comes to working with a lender who is able to combine great loan products with
excellent customer service.” - Avi Tryson, Attorney, Hyman, Spector & Mars, LLP
“A few months ago I had two investment propertires refinanced through Jeffrey. He was able to obtain the lowest rates for my loans
and showed a great degree of professionalism throughout the process, which was completed in record time and without any hassles. I
recommend Jeffrey as a highly qualified expert in his field.” - Caetano Lopes
“Adam and Jeffrey at New Penn helped me secure a mortgage on my new condo within 4 weeks. They were efficient, fast, and also
patient, as this was the first time I’ve ever applied for a mortgage loan. I am very busy, so their responsiveness and availability at literally all
hours were above and beyond expectations. Would be more than happy to work with them in the future!” - Jason Wong
“As a broker associate and sales director at Keller Williams,Miami Beach, I have worked with many mortgage brokers and lenders and can
say without hesitancy, that Jeffrey Brown is the most competent and reliable mortgage lender I have ever done business with.
He is available around the clock to speak to me and my agents about deals in progress and 100% of every loan we have given him for our
buyers has closed on time without issues. Many of the loans we have entrusted him with were loans that fell apart at Bank Of America,
Chase, Wells Fargo and others, but Jeffrey and his company always find ways to get them done. When they issue an approval, we always
know the loan will close and we have recently hired him and his loan officers for all of our projects.
We have a 100% level of confidence in Jeffrey and his company as they are the most reliable lender in the business. When all other lenders
seem to fail even after issuing approvals to borrowers and take many months in the process, Jeffrey and his group get our loans done in a
fraction of the time, always closing every application they work on.
It is truly a pleasure working with Jeff and his team!”- Ann Nortmann
“My condo developer recommened I work with Jeffrey and his team at New Penn for my first condo purchase, and I was highly impressed
with their service. They are one of the only institutions that were willing to lend on condo units in the FL area and their rates and fees were
comparable to all the big name banks. Jeff and his team promptly answered every question I had (even when traveling in Greece!) and my
closing was quick and smooth. I highly recommend them for any mortgage and look forward to working with them in the future.” - Karli
Vazquez-Mendez
“I had a client that tried purchasing an apartment and tried financing through Bank of America. After months of struggling with them we
lost the deal and had to start all over again.
We found another apartment, this time Jeff was referred to us by the developer. I was weary about financing with someone I didn’t know
especially after what had happened but with the insistence of the developer we hired Jeff for the job and I was glad we did.
The deal went smoothly except for a couple of bumps along the road in which Jeff was prompt to tell us what was going on and what he was
doing to solve the issues.
After all was done, my client bought his new apartment and we were all very happy with Jeff’s service.” - Roberto Balcker
hired Jeffrey as a Mortgage Broker in 2011
“We first met Jeffrey Brown and his Condominium Team in late 2010 when they came in to make a presentation to be the preferred
lender for our 4 projects in Miami. Almost immediately, we hired Jeffrey and his company to provide the Fannie Mae and FHA approvals for
our properties and within weeks, the first of several approvals were given just as they promised they would be. We were especially pleased
considering that we had previously hired another lender who had started the approval process, but was unsuccessful after months of trying.
Jeffrey and his team delivered the desired approvals in a fraction of the time
the other lender had taken, but was unsuccessful in doing.
Simultaneous with the approvals, Jeffrey’s company began taking mortgage applications from the buyers of our condominium units, including
one application from a buyer that had already been to several other lenders (including some of the largest banks in the country) over a 4
month period, but was still unable to obtain a mortgage. Jeffrey had the borrower’s initial loan approval in 3 days and closed the loan a few
short weeks after, a time frame to date, we have not seen any lender in the market match. Since the time of our first closing with Jeffrey’s
company, we have given them every piece of business possible and have developed a total lack of trust with him and his company. They
have approved and closed our buyers reliably, expeditiously and seamlessly. In some cases, buyers who have had pre-existing relationships
with their own banks have failed to execute after many months, but Jeffrey is always there to step in and fix what other lenders could not do.
He is always available to speak with me, our sales team and the buyers and responds to calls and emails immediately, even during the late
13. hours of the night and on weekends. He truly understands what it means to be in a customer service business unlike
99% of the remainder of the market.
He finds solutions to problems and makes even the impossible seem easy. Our projects have sold faster and at higher numbers since our
relationship started with Jeffrey, in part because of the FNMA and FHA approvals they delivered. In fact, there are only a handful of buildings
in Miami that have both FNMA and FHA approvals and because of Jeffrey’s involvement, we now own half of them, allowing us to sell
quality, financeable units at top dollar. His understanding of the market and the business he is in is without question, unequalled by anyone.
Over my 25 years in the business of being a real estate developer and having met hundreds, if not more residential mortgage bankers, I have
safely concluded that there is not a more qualified and professional lender in the business than Jeffrey Brown and we are most happy to have
him as an invaluable member of our team.” - Mark Dubrow, President, Dubrow Development Co.
“Mr. Brown did a great job helping me to navigate the chaos of purchasing a condo in Miami. He was very knowledgable of how to cut
through the red tape of our current financial climate and specifically the challenges that are very distinct to Miami.” - Karma Alexander PMP
“I have had the privilege to work with Jeff serving our joint clients. His knowledge of the mortgage industry coupled with his
professionalism, correlate to a positive client experience. His drive and desire to execute for the client is apparent to all parties involved in the
mortgage process. Bottom line, Jeff is someone who delivers as promised.” - Barry Fields, Vice President, JP MORGAN CHASE
