1.
Rick, I just wanted to let you know how incredibly impressed and pleased I was working with
you during the process of refinancing my home. From our first contact, you were extremely
professional and helpful. This was my third refinance and was by far the easiest, and I got
exactly what I asked for. I wanted to refinance with NO out of pocket cost, and that is what I
GOT! Other mortgage companies had promised the same, but there was always some costs
being rolled into mortgage amount. Not with you! Also, I very much appreciated your prompt
contact any time there was an update. Everything went through so smoothly! We were able to
do everything electronically (even signatures). Anyways, thanks again, Rick! I will highly
recommend your services to my friends looking to buy or refinance a home. 5 out of 5 stars.
Rich & Rochelle
Novi, MI
Rick made everything easy for us. From our initial contact throughout the entire process, Rick
was willing to answer any and all questions (we had many) and never made us feel like our
need for reassurance was getting tiresome. Rick was by far the most knowledgeable mortgage
loan officer / manager we had encountered. What impressed me most about Rick Rozman was
how he was honest and forthcoming. His "good faith" discussions were always on point and in
the end were so very accurate. We had no "surprises" about anything during the process as
Rick was consistently communicating with us regarding next steps, what to expect, etc. All the
horror stories I had heard about how difficult it was to secure a mortgage in today's loan climate
were unfounded because we were working with a professional. I have recommended Rick to
anyone and everyone I know looking for a mortgage.
Nick & Tammy
Orion Twp, MI
Rick made everything easy to understand and if there was something I wasn't sure of Rick
would give me the answer I needed or he would find out the answer and get it to me very
quickly. Rick Knows what is needed to make the mortgage process as simple and painless as
possible. I will pass Rick's name on to friends and family who are looking for a great mortgage
person. I will also be using him again when I need to get another home for my growing family.
Rick is a 10 out of 10 and not only gets things done fast but at the best possible price as well.
Alex
Clawson, MI
As a first time homebuyer, I was a bit overwhelmed and had several questions regarding the
mortgage process. After some back and forth with other mortgage brokers, it was readily
apparent Rick and his team were a cut above the rest. Rick was prompt, professional,
detail­oriented, and, at the end of the day, earns your trust and confidence. He laid out several
financing alternatives in a clear and concise manner that fit both my budget and long­term goals
for the home.

2. As I am someone who works long hours and travels frequently, Rick's tailored process was very
efficient and worked well with my schedule. I was able to provide Rick and his team all the
documentation they required via DocuSign and email. He was always accessible and I was well
informed of the status of my pre­approval and mortgage throughout the entire process.
Would I recommend Rick or work with him in the future? Without a doubt! From the first phone
call to the closing, Rick was down­to­earth and hard working. He treats his clients as if he has
known them for over 20 years. Thanks again for making this process a lot less daunting!
Travis
Royal Oak, MI
Purchasing your first house can be an overwhelming process and it’s important to have the right
people by your side. I was referred to Rick by a family member and am very happy with that
choice.
I had many questions about the mortgage process and Rick was always available to answer
them for me. In the off chance I had reached his voicemail, he ALWAYS got back to me in a
very timely manner. I really enjoyed working with Rick because he’s very informative, patient, is
clear and most importantly direct to the point. Rick is not the kind of person that will only say
something to make you happy, he’s the kind of person that when asked, will give you a real,
honest answer while looking out for your best interests. This mentality shows he’s personally
invested in your home buying process.
I will be going back to Rick for future home purchases and would recommend him to anyone
looking for a great lender.
Thanks Rick!
Mike
St Clair Shores, MI
Rick Rozman has been my mortgage guy for the last 15 years. He brokered our original
mortgage, our construction loan and most recently a low interest rate refinance. I trust his
advice in these matters and will not hesitate to call him for similar needs in the future. Thanks
Rick!
Paul & Tina
Beverly Hills, MI
Rick Rozman Thank You!, again, for the outstanding service provided me in the recent refinancing of
my home mortgage. Who knew that when you provided the first service for the mortgage of my new
home in 1995 that our business relationship and friendship would continue over 20 years and three
(3) refinances? I would, gladly, use you again for a mortgage finance or refinance and, as I have in the
past, recommend you to a friend or family member.
Larry
Canton, MI
July 2015

3.
We recently purchased a home and Rick was our mortgage lender. We have already recommended
him to other people and will continue to do so. He took us step‐by‐step through the financing of our
home and was always very professional and very prompt in getting back to us. Though we had very
little knowledge about purchasing a home, Rick took time to explain in detail all of the things we
needed to purchase our home and answered all of our questions in a timely manner. He even was
present at our closing! He went above and beyond to make our purchase a good experience. Thank
you Rick!!!
Matt & Mary
South Lyon, MI
Rick
Everything went smoothly :). Thank you for all of your help!!! You made the process so amazingly
easy. What I liked best is that you were not a pushy salesman like most :). I will definitely send
referrals your way!
Misty & Scott
Commerce Twp, MI
My wife and I have had several mortgages processed over the last ten years. No one even came close
to the service and attention to detail that Rick Rozman provided on our purchase of our vacation
home and the many refinances we have done with him. We will not use anyone else and recommend
him highly.
Dr and Mrs Chmielewski
Chicago, IL/Bloomfield Hills, MI
Earlier this year I had Rick Rozman refinance my home. Rick and his team lead me through the
process and communicated with me ongoing. The refinance went very smoothly and seamless.
When closing on my Refinance, Rick and the Closer made it very easy for me, and came
directly to my office. I would highly recommend Rick to complete and/or refinance your
mortgage; I know you will be delighted, just as I was, with the customer service he provides.
Thank you, Rick.
Elizabeth, Rochester Hills, MI
Rick was great to work with. Prior to moving forward with the application and official appraisal,
Rick provided a "realist report" to help me understand the comp. sales in my area, and my
homes estimated appraisal value, which helped me decide if I had enough equity to do the
refinance I was looking for. After I decided to go forward with the refinance, the process from
application through closing was quick and easy, and Rick kept me informed along the way. Will
use Rick again in the future if I need another mortgage.
Regards,
Rich
Rochester Hills, MI

4.
My wife and I have had a truly enjoyable experience working with Rick. Rick’s knowledge of the
mortgage industry, along with his honesty and integrity keeps us coming back. We’ve used Rick
on several occasions and feel that he’s given us a clear snapshot of the best options for our
long term financial goals.
Rick’s professional approach to walking you through the process makes an already organized
an efficient process even better. I would highly recommend Rick and his team to anyone
looking for a mortgage professional who not only knows the business but delivers excellent
customer service and satisfaction!
Best Regards,
Kevin & Jill
Wixom, MI
Rick made the process of buying a home much less stressful for me, educating me and
informing me along the way. He answers questions promptly and explains all of the pertinent
details. Rick was an absolute pleasure to deal with and I would highly​ ​recommend him to
anyone!
­Tracy
South Lyon, MI
My wife and I had the privilege of working with Rick when buying our new home this year. I say
privilege because once you meet Rick and start to work with him you will quickly realize why he
is a cut above the rest and how lucky you will feel that you decided to use him as your mortgage
lender. Don’t be fooled by the pop up internet mortgage bankers out there that offer gimmicks
and half truths. When working with Rick he was always straight forward, professional, quick to
respond, and had answers for every one of our millions of questions. He walked us through the
process step by step and in the end it felt like we were working with a friend that we trusted and
had known for years. Every phone call was returned, every question answered, and we couldn’t
imagine going through this process without having someone like Rick by our side. Buying a
house can be a stressful thing at times, but having Rick in our corner, we never felt stressed as
we knew he always had our best interests in mind. From our first phone call to the last
signature at closing, Rick was with us every step of the way. We would gladly highly recommend
Rick to any of our friends looking to buy a home or re­finance their existing home as we know
they would get the most professional and honest advice from someone who cares about you
and helping you get into your new home!
Bryan & Megan
Belleville, MI
We highly recommend Rick Rozman as our mortgage representative. We’ve used Rick several
times and have been highly satisfied on each occasion. In fact, we thought our last refinance a
few years ago would be our last. But a “spur of the moment” call this spring resulted in another
refinance that will allow us to pay off our mortgage sooner and save us thousands of dollars.
One thing in particular that makes Rick so helpful is his ability to accommodate our busy

5. schedule. Much of the paperwork can be completed over the phone or through email. And he
was willing to bring the closing to our house in the late afternoon. The entire process was VERY
easy.
So again, it is without hesitation that we recommend Rick for a new mortgage or a refinance of
an existing mortgage.
Cindy and John
Livonia, MI
Being retired, we constantly look for ways to cut our monthly payments. One huge
monthly payment is our home mortgage that unfortunately continued after our
retirement. Our mortgage company sent us a notice at years end concerning our
escrow account. This resulted in adding another $175 to our monthly payment. As
you can imagine, this was very upsetting to us. I never thought of re­finance until
I got that notice. A friend of mine recommended Rick Rozman and that he has
been in the business a long time. Based on the recommendation from my friend, I
knew I could trust him to help. Rick not only guided us through what could be a
long painful process with roadblock after roadblock to get over, but he helped us
every step of the way. All questions and concerns were quickly addressed and
resolved and within a short period of time, we were ready to close. Rick came with
the title person to our house, we signed all the papers closing the re­finance and
now are saving hundreds of dollars every month with a much lower interest rate.
Rick made what could have been a confusing painful process easy. We could not be
happier with the end result. Thanks Rick.
Vince and Tricia
Howell, MI
Rick, you have been such a pleasure to work with from the very beginning. I am so eternally
grateful for what you have done for my family. I cannot put into words how extremely
instrumental you and your team were in helping me to fulfill a life long dream of owning such a
nice home in the country, for my family and I to come home to. This reality was only made
possible by your utmost patience, extreme due diligence and fortitude to see this goal I had,
through to fruition. Even today, it still feels surreal. As I write this, I was thinking back on how a
handful of companies that I approached, prior to being referred to you (Thanks so much Joel!) ,
were so quick to dismiss my conversation, thoughts and ideas. Upon speaking with you, I felt
that your "roll up the sleeves attitude" and "stick­to­itiveness" to listen and sit down and see
things thru, were exactly the formula needed to persevere. Even though the property closing
has been completed, I still feel that I can call you up today to bounce ideas, or gain some
knowledge, guidance, and additional perspective on all things related.
Chris & Laurie
Superior Township, MI

6. I bought a second property in Michigan. i came to Rick after signing the contract and I had every
possible problem in the book. Without Rick, I would not have my house today. Rick did so much
more than find me a mortgage. He worked with me during the entire process to solve credit
issues, find and send the documents that I needed and he was an extraordinary problem solver.
Every issue that came up, he had an idea , or multiple ideas on how to solve it.. Most
importantly to me, he was patient and professional through the whole process. I know how hard
he worked for me to get that house and i am very grateful to him. I recommend him to anyone in
Michigan purchasing a property. You cannot find a more knowledgeable broker or a better guy
to work with
Carol
Joliet, IL
Rick has helped my family to finance a few home purchases and many refinances over the past
decade. Whether it is a home purchase or a refinancing, working with Rick is a pleasure. He has
always been easy to work with and the financing has been very competitive. The
communication, whether by phone or email, has been great. I never felt he was too busy to talk
to me. Best way for me to sum up my feelings is that I really trust him and I would not turn to
anyone else for my next mortgage.
Mike & Jen
Novi, MI
I just wanted to write a short unsolicited note to thank Rick Rozman for his mortgage services
over the past 18 years. We have had many occurrences with new houses and refinancing and
it could not have gone any smoother in "every" situation. Rick is honest and trustworthy and
always looking out for the client's best interest. There were never any hidden fees and
everything was always above board when dealing with Rick. I would highly recommend Rick
Rozman to anyone looking for mortgage services. Our family and friends who have used him
cannot say enough good things about Rick.
Best Regards,
Jeff & Gina
Northville, MI
I recently refinanced my home with Rick Rozman. Prior to my home appraisal he
checked the home values in my area to make sure that my attempt was feasible. I had
been burned before with another large online lender on the cost of an appraisal through
a fast sales pitch offering great rates. Once Rick started the process everything
progressed fine, and his rates were even better. In addition, his online process
made easy work for all the associated documents and signatures. Of all the mortgages I
closed on this has been the best by far.
Rick S.
Plymouth, MI

7. Rick,
Wendy and I would really like to thank you for your support refinancing our home! We love our new fixed
rate you got for us! You were great making sure all the details were taken care of throughout this process.
Considering the crazy housing and banking conditions, including all the pit falls that can trip a person up
during the process of refinancing you and your team truly made it easy!
Thanks again and we will be calling you if the rates move in our favor again! In the mean time, when this
topic comes up, we will be telling people to call you and let you handle it!
Regards,
John and Wendy
White Lake, MI
It's hard to believe we've been in our new home for a month already, so much has
happened within the last six months. Thank you for being a part of our relocation
process and ensuring that the purchase of our home became a reality.
My husband and I were locating from another state and while we were familiar with the
selling and purchasing of property within our home state we were a little less familiar
with our new states criteria in purchasing a home. Rick was able to guide us through
the process and secure our home loan ensuring that our home purchase became a
reality. We would highly recommend Rick as he brings eighteen years of Mortgage
Lending experience and professionalism to the table, thus ensuring a successful real
estate transaction.
Sincerely,
Ron and Cathy
Saline, MI
Rick,
Jim and I would like to thank you for your professional service while we went through
the refinancing process. You were very thorough and helped us understand all the
steps we needed to get it complete. In addition we felt that the appraisal process was
very good and the appraiser was very professional and pleasant. Thanks for a positive
experience! We would be happy to recommend you and already have passed your
name onto Jim's sister.
Sincerely,
Monica and Jim
Birmingham, MI
Hi Rick,
Lisa and I would like to take a moment to thank you for helping us with our home
refinance. The process was smooth and we didn't feel any pressure to go with you.
You were able to offer a lower rate and even let us close the refinancing we were going
through at the time. You were truly a "man of your word". You should also know I told
my dad about your company and he will be contacting you soon.
Thanks again,

8. Michael & Lisa
Northville, MI
Rick
Regarding our relocation from Iowa to Michigan:
We were very busy as we got adjusted to our new jobs and settled into our new lives. We were
able to work with Rick almost entirely via email, which made the process extremely convenient.
We would send emails at night, knowing Rick would get back to us by the next day. The prompt
response time by Rick was very appreciated. It also meant a lot to have Rick at our closing
meeting to help us walk through all the details. We are first time home owners and we couldn't
be happier with our new home and buying process.
Thanks
Jared & Carmen
Canton, MI
I was passed Rick’s name from a family friend who had heard I was looking to
refinance. Upon calling him and leaving him a message, Rick promptly returned my
phone call and was able to give a very good “snapshot” of what the current rates were
and what I needed to do to capitalize on the current rates. Not only was Rick able to
navigate through some of the “red tape” that banks seem to make us go through these
days, he was able to do so quickly and had the best rate out of the 4 brokers I had
contacted. I’m very happy to have closed with Rick, and I would recommend his
services to anyone who was looking to buy or refinance!
James
Waterford, MI
My wife and I worked with Rick to complete a refinance on our mortgage. Rick was
very thorough, followed through with all of his commitments and made the process an easy one. Based on
this experience, we were able to take advantage of the newly established government refinancing programs.
We locked into a great rate and our mortgage payment dropped significantly.
Thanks Rick!
Tim & Jeni
Brighton, MI
I recently closed on the refinance of what was our "marital" home with Rick
Rozman. This refinance was necessary per the terms of our divorce
settlement and the fact that I had decided to keep this home. Having spent
the past 11 months on the most incredibly emotional roller­coaster ride of
my life, I was prepared for the worst situations in refinancing my home. I
did, however, have a very good feeling about Mr. Rozman who came very
highly recommended from a close friend. It turned out that I was right. The
experience with Rick Rozman was by far the BEST mortgage experience of
my entire home­ownership history. Rick explained every step of the process

9. before we started, ensured that there were absolutely no surprises and kept
me fully updated throughout the entire procedure. There was never any
question of where my application was nor any delays due to lack of
information/documentation. Rick kept the entire process running like a fine
swiss watch.....the only delays in the process were caused waiting for
settlement documentation on my divorce. If it were not for those, I am
confident that this refinance would have been processed in 30 days or less.
It is for all of the reasons above that I not only consider Rick Rozman my
"go to resource" for any and all future mortgage needs but I intend to
recommend him to everyone I know who may have similar needs.
Furthermore, being a longtime member of the internet resource listing
known as "Angie's List", I intend to write a positive recommendation for
Rick.
I am convinced that I could not have chosen a better individual or mortgage
broker to help me with this refinance. These days, it's difficult to find people
who really CARE about doing a great service for their clients and truly doing
what is in their best interest. I wholeheartedly feel that Rick is among those
few that are truly passionate about what they do. THANK YOU, Rick !
Larry​ ​Northville, MI
From the first time I talked with Rick it was clear to me that he was better than the other lenders
that I had talked with. He treated me as an individual instead of just another mortgage request
to push through the system. He listened to me and he did a fantastic job in answering all of my
questions without putting any pressure on me to proceed. He followed through with what he said
he would do and in the time he said he would do it. The automated application process was fast
and very easy to use. The whole process went through without any problems or surprises. I
highly recommend him and I will continue to use him in the future for any of my mortgage
needs.
Hope all is going well. I have recommended you to a few people already. I will keep trying. :)
Ryan
Saline, MI
I have refinanced many times in the past 10 years taking advantage of the historically
low interest rates. During my most recent refi, I was referred to Rick Rozman by a
fellow mortgage broker. With one quick phone call I knew that I could trust Rick and
that he was going to take care of me. The process was painless and very efficient as
Rick uses a secure internet based process to gather financial information and share
electronic forms. Additionally, closing was done in the comfort of my home. The entire
process cut back on emails and faxes and truly streamlined the mortgage process. I am
a very happy client and highly recommend Rick Rozman.
Dino
Dewitt, MI

10.
I was recommended to Rick Rozman by my traditional lending source (bank) and I have
been happy with the experience from start­to­finish. With all of the complexities of the
mortgage process, Rick was responsive, straight­forward with the facts and kept me
posted at all times. The on­line signature process for kicking off the re­fi and the home
visit for closing on the deal made it extremely convenient for me. I would recommend
Rick to anyone that is looking to initiate a loan or go through a re­fi. It was a great
experience, and I am thrilled with the results.
Thanks again.
Dan
South Lyon, MI
Working with Rick on our new home loan was a pleasure. He thoroughly and promptly
answered all our questions regarding different home loan options, and was the most competitive
with the rates and fees. He also kept us updated throughout the process. We got a great deal
and would recommend working with Rick for any mortgage needs.
­Roderic and Lauren.
Bloomfield Hills, MI
Hi Rick,
We have always had a very pleasant, efficient and professional experience working
with you so I will refer you anytime we get a chance. Feel free to use my name with the
following testimonial: We have refinanced our house with Rick three times. Each time
he has provided the best rate and lowest closing costs which were consistent with what
he initially quoted. He makes the process quick, very efficient and professional. Rick is
the only person we will consider If we ever need a mortgage or need to refinance.
Jerry & Faith
Farmington Hills, MI
Rick,
You made a stressful process quite painless. You anticipated my questions and concerns which
helped to close my loan very quickly.
Thanks again.
Phil
Troy, MI
We were actually referred to Rick when another Lender was unable to find any refinance
options to suit our needs ( I think it says a lot when essentially your competition recommends
you). Rick never gave up, when the first option did not work out, he would call back with two
more options. Basically he kept at it until we found something that satisfied our requirements!
Michael
South Lyon, MI

11.
Rick,
It was very nice to meet you as well yesterday. Thank you for making the trek down to Livonia
for the closing. Thank you for the copy of the survey and thank you as well again for all that you
did to make this such a smooth and educational process for Beth and I,…. myself especially
since we were the ones working together. I hope that I can repay you some day for all the time
and information you shared with me by recommending you to other friends and family I know
who are looking to finance a house in the future. Thank you again and best of luck to you as
well.
Sincerely,
Jay
Plymouth, MI
Hello Rick,
Thank you so much for all of your efforts for our recent refinancing. I think this is the 3rd time that we have
completed one and the process just keeps getting better and better.
One of the main reasons that I enjoy working with you is the ease of doing business, but most importantly is
the trust factor. When we started to think about refinancing we didn't even call any other companies
because we knew that you would be honest with us and get us the best rate that you could. We appreciate
that. You were very responsive and took the
time to answer any questions that my wife and I had. You also did a great job in explaining things in very
simple terms.
With two young children, you also made it very convenient on us by coming out to our house for the final
signatures. You worked around our schedules for the entire process and we do appreciate all of your hard
work.I would recommend you to anyone.
Thank you again,
Mike & Susan
Novi, M
We have used Rick Rozman for all of our new mortgages and refinancing over the past 15 years. He has
provided professional and knowledgeable service for us, which combined the best rates possible plus great
hands on service at each and every turn in the loan process. He is always quick to respond to questions and
keeps you informed of your loans progress as he guides it to closing. I would highly recommend Rick and
his staff for anyone looking for a smooth loan process.
Dave and Shelly
Northville, MI
I have had numerous good experiences with financing and refinancing with different
banking institutions. My experience with Rick Rozman has clearly been the best of the
best! In terms of the product, it was exactly what I was hoping for... and far better than
the average rates available. In terms of the service, Rick was extremely easy to work with,
leveraged best in class technology tools, and enabled me to get through the qualification
to closure process in record time. In short, his service far exceeded my expectations. If
you are looking for highly competitive rates with excellent service, I would unreservedly
recommend Rick.

12. Albert & Becky
Ann Arbor, MI
I wanted to take the time to relate my experience working with Rick Rozman on a mortgage
refinance I recently completed. I found this to be a very efficient and "painless" process to
complete. Rick was very helpful and responsive to any questions or concerns I had and made
himself available beyond the usual "working" hours. I am very satisfied with the work he
performed and recommend his services highly.
Chris
Farmington Hills, Michigan
Hello Rick,
I hope you are doing well. I am writing to “thank you” for a smooth mortgage transaction. After
my last fiasco with Chase, this was an appreciated change in the right way to handle a
mortgage. I appreciate you taking the time to explain the numbers and make sure that I was
comfortable with the deal. Everything went as you explained it would during the closing. I
appreciate your support and I have already recommended you to a coworker.
Have a great day!
Rob & Tracey
Hartland, MI
In order to take advantage of the current low interest rates, we recently refinanced our
home using the services of Rick Rozman. Throughout the entire process, Rick proved to be
exemplary in his knowledge of the business and very quick to respond to any concerns or
questions that we had. We would highly recommend Rick to anyone interested in obtaining
great rates and outstanding service.
Hope all is well!
~ Stacy
Canton, MI
In looking for a mortgage for our new home, we were very happy with the service provided by
Rick and his team in processing our mortgage. With the low rates he could offer and the
smooth process we followed, it was the easiest mortgage we have ever obtained. He even met
us at our home for the closing in the evening after I returned from work! Even though banks
may seem a ‘more comfortable’ option, the ridiculous paperwork and impersonal feeling makes
the process grueling. Rick was able to quickly answer all of our questions and required a
minimum amount of paperwork to complete the application process, and we still ended up with a
major US bank to service our loan. I would highly recommend Rick and his team to anyone and
will definitely use him in the future!”
Thanks again for your help and I will pass your name along to anyone looking for a mortgage.
Mark
Northville, MI

13. So far Rick has helped me twice with my mortgage loan. He was polite, thorough and very
responsive. He would keep me posted about the requirements and market development and lay
out best scenario for me without any push. He would tell very clearly what my cost would be. He
was always very responsive to my phone calls and emails, and my experiences with Rick have
been very positive ones. It was pleasant working with him.
Chris
Novi, MI
To whom this may concern: I would highly recommend Rick Rozman for all of your mortgage
needs. His service and availability to answer questions and assess customer needs is second
to none. I have worked with Rick several times over the past 12 years and he will always be my
main person to fill all my mortgage requirements.
Bob
Troy, MI
I knew the rates were low compared to what I was paying, but re­financing wasn’t a process I
knew much about or that I was comfortable with. I’m not a very trusting person when it comes
to giving information to a stranger regarding my biggest asset; my home. Reluctantly I started
calling around to all the major names I had heard of just to get a feel for what rate I could get. I
was surprised at how rude and impatient most were. One even got in the habit of calling me
daily at work. Then, by referral of a friend, I called Rick. Wow, what a difference. He took the
time to explain everything to me, found me an incredible rate, and either returned my emails or
phone calls when I had questions. The process was simple, and quick, done primarily via email,
and Rick always kept me updated on my progress. When the whole process was finished, it
was a wonderful surprise that both Rick and the title company came to me at the location of my
choice for the closing. From start to finish and from rates to service, I would rank my
experience as nothing but the best.
Tammy Girling
Oxford, MI
Rick Rozman has been our mortgage lender for the past 10 years. He is extremely
knowledgeable in every facet of the mortgage lending business. He is always up to date on all
the most current information. He is straightforward and honest about all aspects of the
mortgage process. He has saved us thousands of dollars with refinancing and getting better
terms throughout the years. He always looks out for us and our best interest. We have
remained loyal to him and his business because of our positive experiences with him.
Steve and Julie
Brighton, MI
Hi Rick,
Thank you for an ultra­professional refinance experience with my home. The entire process,
from my very first call to you, was easy, comfortable, clean, and provided options. The closing
was scheduled at the location and time of my choice. Best of all, the process moved forward

14. with phone conversations, e­mails, or documents uploaded to the secure website ­­ whatever
method I felt comfortable with! In all my refinance experiences, I have never seen the feature of
uploading my documents directly to a website. And the rate we locked is better than my other
quotes. Even with the new stringent rules of today's finance world, I have never been so excited
about a loan! Keep up the good work. When I need another mortgage, I will be calling you!!
Best Regards,
Corey
Commerce Twp, MI
We refinanced with Rick, and it was a great experience. He is skillful, patient and understands
what you are looking for. He showed up at closing and made sure everything was clear to us.
The whole process was smooth. I will definitely do business with him again and recommend
others to him.
Thanks,
Nima
Bloomfield Hills, MI
I would recommend Rick Rozman to any of my family or friends for several reasons. First, I was
able to apply for the loan on the phone. Getting the information to Rick was done using a
secure website and was seamless. In addition, my closing was very fast…….I believe around
30 days…….much faster than working with a big bank whose closings range in the 60 day plus
area. My closing took place at my home which I appreciated. There was no need for me to
take time off work. Rick was very professional and I would recommend him highly.
Sheri
Highland, MI
I have utilized the services and expertise of Rick Rozman for many years and have always had
exemplary results. He streamlines the complicated process of the mortgage industry by doing all
the necessary background work and he presents the best rates available for the situation you
need. Everything can be done by email and electronic applications, so your time in securing the
mortgage is at its minimum and you only have to show up for the closing. I highly recommend
his services for any new mortgage or refinance.
Cindy
West Bloomfield, MI
Hi Rick,
I wanted to thank you for handling our recent home refinancing. Then entire process with you
was very efficient, from start to finish, and your personal attention was very much appreciated.
Best I’ve experienced in 25yrs, 100% satisfaction!
Steve
Ortonville, MI

15.
Rick,
It was a pleasure working with you on refinancing my home in Rochester Hills, MI. I was a little
hesitant trying the process online as I have mostly worked with local banks in the past. The
process was smooth and the service was great. You were completely honest and direct with
information and very knowledgeable. You were also very responsive with questions and
feedback. I will certainly recommend you to friends and family whenever the opportunity arises.
Thank You
Kurt
Rochester Hills, MI
Rick,
I wanted to state that my refinance mortgage with you was the smoothest one I have done out
of 5 I did in the last few years! You really know how to get it done, all your numbers were
accurate and your rate was the best. Every other mortgage I did had some problems that were
very frustrating. You were a pleasure to work with.
I referred you to a friend and will refer you in the future.
Regards
Jon
Rochester, MI
Rick
Thank you very much for refinancing our property in less than 30 days during the Christmas
Holiday. The refinance process was the easiest and quickest from several other previous
closings from other banks. The E­sign process was excellent in many ways. Again, thank you
for attending the closing at our convenience.
Frank
Shelby Twp, MI
Dear Rick,
Thank you for your assistance with our recent refinance on our Mortgage. You were very
efficient and courteous during our loan processing. You were readily available and very helpful
with any questions or concerns we may have had. We found the process to be worry free.
The prompt service and the personalization you offered by coming to our home to finalize the
closing documents was an added bonus. It made us feel confident and at ease during the final
processing of our loan.
Thank you for your services. I will definitely recommend you to my family and friends.
Sincerely,
Rebecca
South Lyon, MI

16. Rick,
Your service was great!
Have nothing but fantastic things to say about Rick! Our mortgage refinance through Rick was
courteous, professional, and quick! He took the time to answer all our questions and concerns.
All our needs were met in a timely manner! Thanks for a job well done! We would definitely
recommend Rick & Signature Mortgage to our friends and family
Thanks again for all your help!
Bret & Lisa
Lake Orion, MI
Hi Rick
I would like to express my appreciation for the services you provided in connection with my
recent mortgage. You were most helpful in quickly identifying a mortgage provider following my
initial contact which enabled me to secure a pre­approval in only a few days with a very
competitive rate. Once we finally located a suitable house, your responses to all requests were
prompt and accurate and enabled us to close on time.
I also appreciated your assistance with references for homeowners insurance which enabled
me to resolve what may otherwise have become an awkward problem.
Thanks again
Howard
Williamston, MI
Rick.
Just want to say Thank you for your professionalism and efficiency in processing the refinance
for Tracy and I. We are very happy w/the 2.75% rate we attained and would/will definitely
recommend you do others who inquire.
Thank you and we will be in touch.
Lance & Tracy
South Lyon, MI
Dear Rick:
I just wanted to say thank you for the outstanding job you did for me in pursuing a mortgage!!
Once again you were timely in returning my calls and emails, patient with me in providing you
with information, and extremely helpful in getting it approved in a timely fashion! You are the
best!! I will gladly refer anyone I know to you if they are also in the market for a mortgage!!
Respectfully,
John
Northville, MI

17. Hey Rick. I just wanted to take the opportunity to thank you for the professional and diligent manner with
which you handled our application. I know we had initially applied for a mortgage pre approval, but I want to
thank you for taking the time to really consider our needs and motivation. We were all set to move and find a
smaller, less expensive home. We even had our house on the market as you know. You also knew that we
did not want to sell our home because you asked the right questions. Our motivation to move was based on
reducing our financial burden. You showed us some opportunities we thought were unobtainable. You
managed to research and come up with a viable option for us to refinance our mortgage. Not only were we
able to improve our financial position by approximately $500 per month, but we are able to stay in the home
where we have been blessed to bring three beautiful children into the world. You came to the house for the
closing and so were able to meet our three lovely but rambunctious children. I'm sure you could see how
happy they were playing in their basement. They are also swimmers now and use the pool every day during
the summer (weather permitting of course). I am sure the price range we were planning on moving into
would not have included an in ground pool. In closing I just want to again thank you on behalf of my family
for really caring and taking care of us.
Best regards,
Matt & Laura
Wixom, MI
I wanted to write and thank Rick for his friendly, fast, and thorough work in refinancing my
home. He was able to offer helpful suggestions, he found me a great rate, and he really did
some extra leg work to search for documentation I needed from city hall. I am very pleased with
how everything went, and I would not hesitate to recommend Rick to anyone who wants to
refinance or needs a mortgage.
Janice
Fenton, MI
Rick was a real pleasure to work with. He advised us along the way, and answered all of our
questions in a prompt, clear fashion. He made the whole process of refinancing our home a
stress­free experience. He even came out to our house for the closing! We've recommended
Rick to many of our family members and friends.
Mark & Megan
Westland, MI
We have refinanced twice with Rick and we would not go to anyone else. He has great rates,
very knowledgeable and reliable. He made the whole process quick and easy. Thanks Rick.
Thanks,
Rick & Lynn
South Lyon, MI

18. Rick has helped me on multiple occasions. He is very knowledgeable, patient, and trustworthy. I
couldn't have been more pleased with how the mortgages were processed. From beginning to
end Rick is fully dedicated.
Thanks!
Brett
Lake Orion, MI
We have worked with Rick Rozman for two mortgages and fully expect to use him and his team in the
future. Rick’s willingness to discuss and ensure full understanding helped confirm our decision to use
Rick and his team. Their simple, streamlined process made a potentially difficult and confusing
procedure a breeze.
Pat & Laura
Howell, MI
Rick did an amazing job finding us the best and cheapest rate for refinancing our home. We had a few
obstacles to get through but with Rick's hard work and perseverance, he was able to get our
refinance done quickly and easily. We really enjoyed working with him and would highly recommend
Rick to family and friends!
Jen and Derek
Grand Rapids, MI
Rick,
You were truly a great person to work with on my mortgage. I went from conventional to losing a
place and then to FHA and you were right there with me the whole way. Your guidance and excellent
communication kept me in the loop the whole time. I would recommend you to anyone looking for a
great partner and mentor in the purchase of a new home. Thanks again.
Meredith
Brighton, MI