We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Very straight forward process with FT Financial. Fastest and easiest refinance we did. No cost to us. Very happy with everything and everyone we worked with.

Kristine R.

Phoenix, AZ

Excellent and fast detailed service! Got me a great rate and will use them for all future business.

Darrell W.

Palmdale, CA

My husband and I are still celebrating our refinance! Low rate, low fees and a smooth process. We've used FT Financial for a few transactions including refinancing our own home and dealings with our rental property. As a realtor, I have had clients use FT Financial as well and they have been very pleased. Frank, Wendy, and Hope all work together to make it easy for the customer! Love the communication! Very grateful! I highly recommend!

Alicia H.

Litchfield Park, AZ

Frank and his team are amazing! This is my 3rd loan with him (the original buy and 2 refinances) in the span of 18 months. He has a can do attitude, one that is not afraid to solve problems. My interest rate and payments keep getting lower thanks to he and team! Great job!

Antonio C.

Phoenix, AZ

I have done multiple financings and refi’s with FT Financial and I have several people to them as well. Frank and Wendy have never failed to disappoint and provided great service to my referrals. If someone asks about refi’s they are the first company/people I recommend.

George S.

Sun City West, AZ

The whole experience was an easy and positive one. I highly recommend F T Financial Inc.

Allison B.

Avondale, AZ

Excellent service. Have worked with Frank 4 or 5 times, always a great help. Honest and forthright. Wouldn't ever go anywhere else.

Rocci H.

Enumclaw, WA

Our refinance process was super easy - nice and smooth! Handled very professionally and super impressed by Hope who initiated our process and made sure every step was handled! She was amazing! Appreciate the work of the whole team as well. We were thrilled with how well everything was handled!

Kristi M.

Goodyear, AZ

FT Financial is the best refinance company I’ve ever worked with. I’ve closed two loans with them both refi’s. I called around for other rates and I was given not only higher rates but also longer days to close. When FT Financial tells you they will close your loan in three weeks they will close in three weeks. It’s happened both times! I was given a 90 day close estimate by a larger company versus three weeks with FT Financial. I will always choose to work with this company!

Joy S.

Sacramento, CA

Frank Culver is the best! He takes time and walks you through every aspect of the refinancing. I cannot recommend him highly enough!

Kimberly M.

Phoenix, AZ

Great Service and communication!!

James F.

Scottsdale, AZ

My daughter just has done her 3rd refinance with FT financial. she got a great deal with awesome experience! strongly recommended!

Luxiang B.

San Diego, CA

Outstanding service. Frank, Wendy and the team closed on our re-fi in just 2 weeks. This left other lenders just scratching their heads! This is the second time we have worked with FT Financial, and we couldn't be happier. highly recommended.

James W.

Gilbert, AZ

Fantastic refinance services. All Staff are very knowledgeable, helpful, responsive, and friendly. The paperwork was streamlined; the process was completed in record time; the costs were very low compared to other companies. I highly recommend FT Financial - A+/10+ service!

Pam M.

Flagstaff, AZ

Frank and his Team were AMAZING!!!~ We started to do a Stream Line through another company in February. We FINALLY closed in July. 6 days later they called and said we closed to soon. We called Frank and he was able to give us a better rate and close in 16 days. I highly recommend him. This is the second time that we've gone with him. That's who I thought we called originally... but it was the newer lean holder. We were able to close in 2 weeks with a better rate and I had the other company pay two months of my mortgage. He's stuck with us. Looking forward to the next closing. He made it effortless through a pandemic.

Alycia S.

Gilbert, AZ

F.T. Financial has served my last 4 VA loans and have not only provided the best rate after shopping around but exceptional and speedy customer service. I highly recommend Frank Culver and his team. If you are a VET , he know the in and out of VA loans, VA funding fees, disability implications to loan fees. You might match his rate if you are very lucky but I doubt you can beat his rate and outstanding service.

Jim M.

Rocklin, CA

I have used FT Financial twice! They are very competent, & really take care of everything for you. I highly recommend them for your Mortgage needs. 5 Stars !!

Mary Lou S.

Scottsdale, AZ

I had no intentions of purchasing a house originally due to not having a down payment. Frank came up with a loan program that got my wife and I into our first home with no money down. He was extremely professional, and it was obvious he actually cared about our situation. Our loan processor Wendy was absolutely amazing as well and it couldn't have went any better. I highly recommend Frank and FT Financial not only for their loan products but because of the great experience they themselves provided us during our first home purchase.

Adam & Patricia M

Scottsdale, AZ

I’ve been using FT FINANCIAL for over 4 years and this is our 3rd loan he’s done with us. 2 were refi’s, and most recently a purchase. He always gave us the best rate. He’s also 100% honest and always communicates well. When he hit snags, as they do happen during this stressful process, he always makes it right. Do yourself a favor and skip ******* and all the other retail lenders. They can’t touch his pricing. I send all of my friends and family over to him, and they love him. Frank doesn’t just strive to make a single great experience but he builds customers for life and we will always go back to him for our refi and purchase needs.

Vincent M.

Santa Clarita, CA

Frank helped me purchase my home without any issues and at a great rate. A couple years later I inquired about a cash-out refinance so I could do some updates to my home and once again it was easier than expected and got a great rate! Thanks Frank for the great advice!

Wendy B.

Cave Creek, AZ

Frank and his team stayed on top of our loan to make sure everything was done properly and on-time. We were out of town buyers and they helped everything close smoothly. They even went above and beyond when the bank lost some docs, by having one of their local reps come to our home to get the proper papers signed.

Jennifer L

Mesa, AZ



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