
NewDay USA Reviews
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About NewDay USA
For more than 20 years, NewDay USA has provided VA-guaranteed home loans and refinancing options to residents of 43 states. The company prioritizes relationships with veterans and their families and strives to create a positive financial experience with each customer.
Visit www.newdayusa.com- Flexible loan terms
- Offers refinancing services
- Connects veterans with mortgage experts
- No online applications
- Not available in all states
NewDay USA Reviews
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Reviewed April 19, 2021
Excellent support in getting refinancing completed. I appreciate Carl’s help in getting our information and working the process! Great interest rate too! Our customer service tech called many times with updates and assisting in assembling all proper documentation needed! Outstanding support and fairly quick turnaround on funding the loan! I appreciated it.
Reviewed April 19, 2021
Very satisfied. I dealt with Julian during the whole process and was extremely happy and satisfied with the way he handled himself. He was very very thorough and professional and we got on a first name basis and I like that. This kid should be promoted immediately and give it a big pay raise because he did a great job.
Reviewed April 19, 2021
There were many Mortgage cos that wanted us to go with them when it came to refinance but we choose New day. Would I do it again? I do not think so. Why? Too many things were either left for us to do or I had to call to get answers. I have done this with other companies in the past and they are far above with service to their clients. All is still not done so again I will hold judgement when that is complete. Follow up is very important to me. Mike
Reviewed April 19, 2021
I had a great experience thru the process. Our closing took a little longer because we live in condos but knew upfront from previous experience it would. Very glad that you cater to veterans and make things easier. Thank you.
Reviewed April 19, 2021
Everyone was very pleasant and attentive. Joey returned all phone calls in a timely manner. We would definitely recommend NewDay. The process was very straightforward and easy to navigate. We had no complaints with the whole process. Thank you!
Reviewed April 19, 2021
I was very pleased with the Process and the professional way things were handled. Very easy process with faxing, email. Mr. ** kept me informed with the process. I have not purchased but two homes and refinanced one. This process was extremely personal and friendly. I would encourage any veteran to take advantage of a very important benefit. Thank you New Day USA.
Reviewed April 12, 2021
I would like to commend New Day on a job well done! They were true professionals from start to finish. Dawit ** kept me informed in every step of the process. He answered every phone call and email inquiry I had promptly and to my satisfaction. Everything was explained to me in detail and was truthful, factual and didn't change. I'm very pleased. I would definitely recommend their services to anyone looking to refinance.
Reviewed April 12, 2021
Mariah was very helpful and great to work with. Our refinance was closed in about 2 weeks. Excellent communication. Most of the paperwork was submitted online. Closing was at our house and the Notary was very pleasant and professional also. As easy as it could be.
Reviewed April 12, 2021
The entire process was quick and efficient. We worked with Jenna ** and the communication was outstanding. She made the process a breeze and easy to understand. I would recommend that anyone looking to refinance their home reach out to NewDay.
Reviewed April 9, 2021
Matthew ** is a remarkable individual. Very intelligent and helpful. The process was rather long but was not due to any employee with New Day USA. Overall was a very smooth process. Would recommend New Day USA to my friends.
V/R CSM (R) William
Reviewed April 9, 2021
Very professional, quick handling of refinancing. I was triggered from a bulk mailing piece stating that I could reduce my interest rate, thereby reducing my payment. When I called the toll free number we started the process immediately. The process was quick and painless. The reps. that I talked to were quick and efficient at their jobs. I appreciate working with such a professional staff.
Reviewed April 9, 2021
I started the process in February 2021 ensnared the interest rate was 2.25. As the process continued the rat was increased to 2.75. This was and is very upsetting because the agent did not lock us I like he should have. So now our savings is much less than we could have saved. We still moved forward with the refinance but feel we have been mislead and cheated. I hope the Admiral really reads this and can do something about this situation. We should be honored the 2.25 rate like we were initially agreed to move forward with. I feel I was unfairly dealt with!
Mr. Michael,
We have confirmed that a manager from NewDay has reached out and addressed your concerns. We are grateful for your feedback, and we look forward to working with you.Thank you.
Reviewed April 7, 2021
The process went very smooth. The agent that I had went out of the way to answer my questions, was very understanding. Everything was explained in great detail. There were no surprises in the entire process.
Reviewed April 7, 2021
I was constantly being given a different individual to handle my account. Twelve days before my closing date I was told there were new matters that needed to be resolved to get the loan, this was after dealing with someone for over a month and a half.
We regret to hear about your experience. NewDay strives to provide swift service with ease and appreciate your feedback. We look forward to working with you.
Thank you.
Reviewed April 5, 2021
I was grateful to be assigned Ricardo ** who assisted me with the application and final closing process for the NewDay USA VA Loan. He was extremely helpful in all aspects. He was very prompt in returning my calls and emails. Ricardo presented himself in a professional manner at all times. I appreciate Ricardo's assistance with this important matter. My only regret was not being able to speak with the Marine Veteran, Tatiana. :0) Semper Fi to All!
Reviewed April 5, 2021
We wanted to refinance our mortgage for a lower interest rate. Success when we were approved for an almost 1% cut in our mortgage and almost $300 a month savings on monthly mortgage payment. Your associate, Corey **, made it fast and easy. We were able to get everything accomplished in less than 2 weeks. Thank you for your service. John **
Reviewed April 5, 2021
Updated on 04/07/2021: Have not made it two weeks after signing. NewDay USA sold off my account to another Mortgage Company. One of my first questions I raised Will you be selling off my Mortgage? The answer was a resounding No! NewDay was servicing its loans. They have not been selling off loans recently. I received notification yesterday mail that another company out of NJ is taking over... So much for NewDay USA servicing loan. I'm still waiting for signed closing documents, Closing Agent said she could no longer retrieve from System. Was to be provided via a PDF.
Original Review: When I started process rates were being advertised at 1.98 - 2.00 Percent. I understand there were a lot of applications. By the time my appraisal was completed three weeks passed. Rates went to 2.50 percent before being locked in. Agent did everything to ensure loan was completed. Agent talked me into 30 year where initially I was looking for 15 years. I added about 6.5K to my current mortgage in mostly associated fees. Experienced some electronic glitches with wife's application. Closing was fast in our home. Closing agent missed a form we signed and faxed to New Day USA.
I have yet to receive copy of closing documentation as agent said she no longer had access to file. New Day USA would forward. I have not seen. I would have rated five stars minor glitches. I can only give four at this time. I hope automatic payments after first payment 5/1/2021 goes smoother. Overall I would recommend New Day USA to refinance veterans' mortgages.
Reviewed April 5, 2021
My experience with New Day has been excellent except for all the emails I got asking me to refinance, I was already in the process and I responded back asking to stop sending me advertisements that I was already in the process. This was to no avail as they kept coming.
Reviewed April 5, 2021
I would like to first say that Conor who talked to me just about everyday did an outstanding job. The other areas of this process were completely unacceptable. I was asked to make repairs to a patio that I made very clear I was demolishing and then I was asked to make additional repairs that were not even listed on the VA inspection report. I had to take multiple photos of the repairs on different days to prove the repairs were made. Then some underwriter wanted me to secure this patio to the house. It was a free floating structure and was never connected to the house. If I knew how much of a hassle this process was going to be I would have never done it. I bought this house through USAA 11 years ago and the process was painless.
If you have any additional questions, please contact CustomerService@newdayusa.com. NewDay appreciates your feedback, and we look forward to working with you.”
Reviewed April 4, 2021
My guy was Drew and he did an Excellent buy of helping me set up my New Day Refinance loan. The timing was great and he got my interest % locked in, that is what I was hoping for. I believe Drew did the best at New Day that he could do for me.
Reviewed April 4, 2021
It was an easy application and processing experience. The closing was very convenient because the Notary came to our home so there was no travel involved and she was efficient and knowledgeable. Thank you! Have a great day and happy Easter.
Reviewed April 3, 2021
I'm very happy with my refi, the process couldn't have been easier. My Account Executive Jason ** was extremely helpful, knowledgeable and understood my goals. Even the scheduling of my closing was at a date and time of my choosing. Thank you!
Reviewed April 3, 2021
Mr. ** was helpful and respectful. Knowledgeable of the process. Side comment, I still receive a lot of your mail advertisement. I did not receive instructions on setting up an online account to manage the mortgage. Save a tree, LOL.
Reviewed April 3, 2021
Had a great experience with New Day. Very professional and Jay ** kept me informed and up to date with what was going on and when things should be done. Closing went smoothly and was ahead of schedule. I have and would recommend New Day to my friends and family. Thank you.
Reviewed April 3, 2021
I was very satisfied with the service that I received. I will pass your service on to some of my veteran friends to also inquire about your service. Well done and please continue your great service to the vets. Thank you, Robert **
Reviewed April 3, 2021
Mr. Kevin ** made the entire process seamless. His knowledge of what was required, the answer of my questions and his genuine skill was refreshing. He is a credit to your company. Please thank him for everything he did with me.
Reviewed April 3, 2021
Hayden ** provided service above and beyond any that we have ever experienced. This is my 3rd refi through New Day and we hope that New Day will continue to service our loan and not send us to another company (like Freedom Mortgage). Our experience with them was rife with constant fee increases and poor and truly painstaking customer service. Hayden's knowledge of product, communication skills, and true caring about his customers, has left us 100% satisfied with this life-changing event. I will forever recommend New Day to my friends and neighbors that are veterans. Thanks for YOUR service!!! Dennis **& Craig **
Reviewed April 3, 2021
Everyone that worked on our loan was very prompt, Professional, And was very honest when they would tell you whatever is going on with your case. These reason I would refer New Day to anyone because I had A great experience.
Reviewed April 3, 2021
Our NewDayUSA representative, Hayden, made the entire refinance process quick and easy. He kept us informed weekly and continually answered all our questions and concerns as my wife and I completed the process. We appreciate Hayden's professionalism. We can highly recommend NewDayUSA to our family and friends who are veterans!!!
Reviewed April 3, 2021
Everyone was wonderful. They handled their duties with the utmost respect and dedication. Nick went out of their way to keep us informed. We closed earlier than anticipated and everything went smoothly. You should be proud! I highly recommend that Veterans consider your Company because your service is amazing.
Reviewed April 3, 2021
Tyler ** was our contact. He was very good and kept us informed throughout the process. My only complaint is that I wish we were informed in the beginning of the process of ALL information that will or might be required, like a termite inspection, well water test and pension confirmation. I would have liked to have had a heads up on these items.
Reviewed April 2, 2021
Smooth, easy, PAINLESS, COULD NOT HAVE BEEN EASIER. Reece ** Account Executive WAS A PLEASURE to work with. Coms were excellent. Having been through hundreds of R/E closing in the past, I was astounded!!!
Reviewed April 2, 2021
All I can say is this was a VERY easy process. They were on top of everything along the way. Kept me well informed during the process. My agent, Joe, was very helpful and had the answers to my questions.
Reviewed April 2, 2021
I am thus far, Very pleased to have become involved with NewDay USA! I am a "Man'' That have served this "Country for many years" In the United States Army. I tried my very best to maintain "Honorable Standards", I stand by these words! The employee who guided me through the process of becoming involved with NewDay USA is Second to None! He made sure all my questions were answered, that in itself is all that need to be said, Congratulations Sir!
Reviewed April 2, 2021
Clear and great communication with lender. Quick and fast. Always available to answer questions. One of the best companies and those working with them are kind and such helpful folks. I was able to lower my interest rate but unfortunately with local taxes it didn't bring my payment down. But happy for the switch.
Reviewed April 2, 2021
I worked with Kirk who is very helpful. The process was very easy and we were done quickly. My interest was lowered as well as my payment $2300 less per year. I am very happy I chose New Day USA. Every Vet should consider checking it out.
Reviewed April 2, 2021
The only regret that I have is not have done this from the beginning of my buying experience. However, I find that the closing cost is kind of high. The rest of my experience with the person with the financial advisors was very good.
Reviewed April 2, 2021
Good Day, My total experience from start to close has been top notch!! My New Day mortgage guy Matt ** was awesome, his professional work knowledge along with his communication skills were exemplary. Don't mean to go on, if I had an issue (mostly computer), he was right there and walk you through it. I would highly recommend NewDay USA to all veterans. Thanks. Dirk
Reviewed April 2, 2021
Process was quick, easy and pleasant. I would, gladly, recommend this company to any of my veteran friends. The interest rate was very competitive and substantially lowered my monthly payment. I look forward to many pleasant experiences with my new loan.
Reviewed April 2, 2021
It was a very good experience working with Joseph **. He was super courteous, responsive, professional, & caring. He initiated follow up, and calls to keep me updated on process steps, need for information, etc. He answered all of my questions and challenging issues that I had. He is a competent professional who has great potential to advance to the highest levels of any organization!
Reviewed April 2, 2021
The Attorney arrived with one set of documents. The loan has funded, and I still don’t have any copies. I asked the loan officer for my copy and have not received anything to date. The loan funded on 3/27/21. I have filed a complaint with the CFPB.
The customer service team is currently working with the title company to get a signed copy out to you as soon as possible.
Thank you for your review. We apologize for the inconvenience.
Reviewed April 2, 2021
I can say that I have been very lucky to work with outstanding agent of NewDay USA. He follow through even as I am getting tired of the requirements and what seem to me very redundant subject. “When is this going to finish?” Yes Mr James ** stayed with me and achieved this project to a successful conclusion.
Reviewed April 2, 2021
Any time. The process was so easy and the Staff so helpful. From the first phone call to the final signing every went without problems. I can only compliment your staff. Please know that I will recommend you to anyone I know.
Reviewed March 31, 2021
Initial contact and submission of forms/data seemed normal. Your agent (no longer with you) was professional and easy with whom to talk. Then multiple issue he stated were with another section concerning prepaid escrow dollars. After several phone calls and/or emails Agent Miller said it was resolved and we set up notary appointment. A review of the documents with the notary revealed that the prepaid escrow issue still existed; therefore the documents could not be processed. Additional phone calls/emails and research by you agent Miller allowed preparation and notary of final documents. My payment statement arrived with correct financial figures generating my payment to you of $655.48 for the months of January, February and March. To my surprise I received a refund check from my insurance company in the amount of $1,170.00.
After many phone calls to the many different fingers of your company (several hours of which I was on hold half the time, transferred several times, hung up on twice and/or told had wrong office and given several different numbers to call as they could not address my issues) as well as to my insurance company's it was determined that you had paid my insurance premium twice; once December 7th and again January 19th (I was told). Then I was notified that my payment was increasing from $655.48 to $727.73 per month (for which I mailed a check end of March) as my escrow account was in a deficient status of $1232.58; represented by $34.24 future shortage and $38.01 recalculation of monthly escrow needs.
Part of the phone call escapades of above I had requested a escrow printout which I received dated February 22, 2021. As I did NOT want my monthly payment to increase I mailed a check in the amount of $1,500.00, which was received/cashed by PHH Mortgage. Oops, here comes another refund check in the amount of $301.66 marked overage refund. Now I look on-line and see my monthly payment will go from $655.48 to on $693.49. What? I exclaimed to my self. I mailed the above referenced escrow payment to keep my monthly payment at $655.48. So why did you send me a refund?
The on-line site shows two amounts for escrow which I do NOT understand or agree with/to. $479.00 to Allstate (which has never been apart of my loan as I pay it directly each year) and $158.98 (which are my county taxes on another totally separate piece of property I own and has nothing to do with the home/loan)? Based on your escrow breakdown sheet I take it these two items represent the Additional #38.01 increase in my monthly payment from $655.48 to $693.49? Totally, I estimate I have wasted more time on your service that on all other purchases/refi's since I purchased my first home in 1976. And after all of it, I still end up with a payment with which I desire or satisfied. And if I could give your organization a negative "star", I would do so!
Based on my experience so far with your company I just as confident this will never reach "Adm Lynch". Maybe you would be so inclined to share this with the young lady Spokesperson before she makes another advertisement. HOWEVER, I do want the $158.98 removed from this refi-loan and any payments made to my escrow account refunded.
Hello Mr. Dennis,
A Newday manager will be reaching out to discuss your concerns with you and offer any clarification within the next 48 hours.Thank you for your feedback.
Reviewed March 30, 2021
New Day was very helpful and answered our questions! It was a very easy process with their help. I would recommend them to family friends and other Vets! They work to get you lowest possible interest!! Micheal ** was very helpful and would answer phone call, texts and email in a very timely manner.
Reviewed March 30, 2021
Davion ** was my loan officer and is fantastic! He was thorough, listened to my needs, pursued the best path for the loan and overcame all challenges like a real professional. Additionally, he was efficient and pursued the goal of loan closing with great persistence and success! Davion, in my book, is a keeper!
Reviewed March 28, 2021
Very professional organization. Process was extremely seamless throughout. I would recommend New Day to any veteran looking to acquire a much better interest rate. Cody was very prompt and timely of all updates and made contact to ensure I was in the loop throughout the entire process. SemperFi Cody
Reviewed March 26, 2021
All I can say is that the service I received was excellent in every way. The representative who helped was outstanding. He explained everything and walked me through things I did not understand. I would recommend New Day USA any time.
Reviewed March 26, 2021
I had an outstanding experience! Consultant was very knowledgeable and courteous throughout the process. Thoroughly explained every question I presented. Normally replying immediately upon my requests. Closing was accomplished in 14 days. Process was completed via phone and emails, with notary being sent to my home for final signatures. Will definitely recommend to fellow veterans. Overall great experience!
Reviewed March 26, 2021
From initial contact to closing we were kept informed on how the process was moving, all problems addressed and solved easily. Dealing with the company on line was very easy, questions answered promptly, follow up and reviews were timely and thorough, closing was a breeze.
Reviewed March 26, 2021
We are so happy that we have refinanced with NewDay USA. Elliott was great to work with. His communications with us was great and he helped in any way possible. I would recommend any veteran to look into NewDay for your mortgage needs.
Reviewed March 25, 2021
Mr. ** Jr., Curtis **, was attentive to my questions, professional, outstanding customer services and informative. After receiving daily scam telephone calls and weekly scam mail(s). I was apprehensive, about responding and came close to file thirteen (13) your mail letter. At the moment I am satisfied with contacting New Day USA.
Reviewed March 24, 2021
I have never had such an outstanding experience with any refinancing as I have with NewDay. The effort Liam put into my refi was second to none. I highly recommend NewDay to any service member or retired folks who looking to get the best bang for their buck.
Reviewed March 24, 2021
New Day made my refinancing simple and easy. Very impressed with their professionalism and ability to keep me informed throughout the process. Highly recommend for anyone looking for a fast and process. Please make sure you ask questions about the closing cost to ensure you have a full understanding.
Reviewed March 22, 2021
I was hesitant to refinance until a friend told me about this and then I start seeing on Fox News which I watch every day. You have made it very easy for me to refinance and gave me choices in time to commit or not commit. Thank you. As a veteran with over 30 years I appreciate what you have offered to all veterans and for those who are yet to serve. Thank you.
Reviewed March 22, 2021
NewDay has the best rates, but it seems that the left hand doesn't know what the right hand is doing in the loan process. Maybe too many chefs in the kitchen? I went thru 4 different loan officers and seemed that none of them were telling the others what I had sent or what was needed to finish the VA IRRL loan. Luckily it worked out in the end (I hope) but I really can't recommend you folks to other veterans.
Reviewed March 22, 2021
Tia **, of NEW DAY, USA, was an absolute joy to work with. She kept us updated and stayed in touch through the entire refinancing process. We couldn't have asked for an easier and pleasurable experience!! We can't say enough great things about Tia!!!
Reviewed March 22, 2021
My wife and I are so impressed by the quick service from New Day USA streamline loan program. Our Loan Officer, Dan **, was fantastic. He guided us through the entire processes. I would definitely recommend this program to any Vet considering refinancing their mortgage.
Reviewed March 20, 2021
I was very pleased with the process and the outcome of my refinancing experience with New Day Financial (NDF). All of the staff involved were extremely supportive and helpful; particularly Trent ** and Brandon **. I was very impressed with the way the folks in the "back office" stayed ahead of my needs. My Homeowners Insurance was due two weeks after we closed and NDF stayed ahead of the game and contacted my insurance company to let them know that they would pay the premium on time. When I first started the process, Brandon gave me a target date for closing of 3/12/2021. NDF beat that by a day. Closing went very smoothly and funding occurred on time. I am very pleased with the interest rate on the mortgage. I would recommend that ALL veterans take advantage of this wonderful institution. NDF has made my life a lot simpler and I feel that they have made my financial needs in my later years much more secure.
Reviewed March 20, 2021
Edward ** was great in explaining the process. We dealt exclusively with him. Only the necessary documents were asked for (no blank pages needed to be faxed). Gave us an tentative closing date early on which he managed to beat. The closing was quick and easy in our home.
Reviewed March 20, 2021
New Day was great to work with. There are many companies out there pushing refinancing and I’m sure they’re good to work with but my experience with New Day was quick, easy, and their representative was very helpful in the process...which was simple and painless. I would certainly recommend New Day if you are considering a home refinance. Thank you!
Reviewed March 19, 2021
New Day representative have been very helpful in helping me through the entire process of refinancing my mortgage to a lower interest rate which resulted in monthly savings of over $200. The representative is polite and very responsive to my questions in timely fashion. I highly recommend New Day USA to veterans.
Reviewed March 18, 2021
My wife and I were considering reverse mortgage or other options for our financial well being. We weren't comfortable with what we were finding. I had been seeing ads for NewDay USA on TV. I called New Day and discussed refinancing. We proceeded with the refi with New Day USA and are so very glad we did. We were able to lock in a very low rate and the ease with the entire procedure was truly calming to us. Thanks New Day USA for all you do for veterans. I highly recommend New Day USA!
Reviewed March 18, 2021
Was a fast easy process and lowered my interest rate by three points, very pleased. Representative was courteous and professional and was patient with me for sending required documents. Recommended to a friend in Arkansas, who applied for a mortgage and in process of acquiring a home.
Reviewed March 18, 2021
We had a change of service reps in the middle of the process. This slowed things down a bit but after the new rep took over things went much faster. We really appreciated the effort to keep us informed during the process and the patient assistance in navigating the required forms. Kudos to Mr J.P. ** for his help!
Reviewed March 17, 2021
From Day 1 Gabby ** was at my side answering every question and guiding me along the application path. I can't say enough about her dedication, helping me over (in my mind) major obstacles, without whose help I never would have reached my goal. You are blessed to have such a knowledgeable and encouraging person on your team.
Reviewed March 17, 2021
Mr. ** delivered exceptional customer service. He kept me informed, updated me daily, and returned my emails and telephone calls promptly. I never felt like I was another number in his busy caseload, I felt like a valued customer. If NewDay does non-VA loans, I would like to refer my sister-in-law.
Reviewed March 17, 2021
We have bought and closed on several home and by far, this one was the easiest and fastest ever. NewDay USA goes all out to help the Vet experience a pleasant process; by staying in contact and being proactive in solving any problems that might arise. We could not have asked for better.
Reviewed March 17, 2021
Thank you for the excellent job and customer attention with the loan process. Well done—and ahead of time too. The best compliment I can give Gabriel is to recommend my veterans friends to him when in need of a loan. Great job!
Reviewed March 16, 2021
Eugene ** has been very helpful during the entire refinancing process. He kept us informed and broke everything down into bite size bits of information keeping us relaxed and confident that we had made the right decision in using New Day USA for our financial needs. He has gone above and beyond what we expected from a financial expert!!! I would highly recommend the services of New Day USA and especially those of Eugene ** to anyone able to use them!!! Bravo Zulu Eugene!!!
Reviewed March 16, 2021
All events throughout this refinancing has been professional and extremely helpful. The agent I dealt with was professional and kept me informed of all ongoing actions. I would definitely use New day again and will definitely recommend it to all my military friends. You most definitely live by the words of your commercials. Thanks.
Reviewed March 16, 2021
I had an outstanding experience with NewDay USA. Tia ** of NewDay was very knowledgeable, courteous and professional. The entire process only took three weeks from start to finish. Everything was accomplished electronically except for the final closing at which time they sent an attorney to my home with all the paperwork for me to sign. Everything was accomplished in 30 minutes with no problems. I would highly recommend NewDay and Tia ** to any veteran who is looking to finance or refi a mortgage.
Reviewed March 15, 2021
Jeff ** was outstanding, very professional and courteous. He kept us completely informed. Glad that everything was handled from our house. Wonderful outcome with current mortgage, credit card debt, closing costs. Talked with SGM ** this afternoon. Great conversation with him.
Reviewed March 15, 2021
We had a terrific experience with New Day USA. The process was so simple and Cody- our mortgage specialist was fantastic. Extremely responsive and helped us with every step! We will definitely go through Next Day USA for our next mortgage.
Reviewed March 15, 2021
Having dealt with previous mortgage companies, both on new mortgages and refinancing, I was prepared for the "Waterboarding" exercise where you have to prove the existence of every single penny you have ever earned or saved. Dealing with NewDay was the complete opposite. They asked for relevant, current data, and only requested what was minimally required/reasonable. The agent who helped me was courteous, professional, trained, efficient and timely. He returned my calls immediately. Documents were filled in correctly and details were accurate. They made the process painless and straightforward.
The icing on the cake was that we were able to close 2 weeks sooner than predicted! Usually only bad things occur immediately... Good things usually take forever. NewDay reversed that phenomenon and from the day I reached out to them to closing about less than 3 weeks. I could not have asked for better service, quicker responsiveness and accuracy. The team that built NewDay really did reinvent the mortgage/refinance process and veterans are all the much better served for it! I'm sure they also do non-veteran business and my strong recommendation is to not miss this opportunity to work with a first-class team doing top-notch financial work!
Reviewed March 15, 2021
Give Dan ** a raise or a bonus. The process was swift, short, and painless. It has been a pleasure to work with him. He explained the forms thoroughly as we made our way the documents. Lastly, he was patient as I asked a lot of questions. Awesome experience.
Reviewed March 12, 2021
My process with a re-fi on my home loan went very well aided by New Day U.S.A. Rep. Jacob **. He was very good in the explanation of our loan process. He was very "Hands On" in the explanation of all aspects of our loan. He made the Refinance process as painless as possible for me and my wife with clear and concise instructions and daily follow-up on all documents that were required. He was a pleasure to work with!
Reviewed March 12, 2021
Warren was a true professional in every way. Accurate and pleasant to work with. As a past mortgage loan officer I was impressed by how thorough the process was. I will be sure to recommend New Day to my friends and fellow veterans.
Reviewed March 12, 2021
New Day USA provided support and straight to the point guidance all the way to closing. Loan Officer always kept in contact with the customer. I would recommend this great company to anyone. Thank you and have a pleasant day.
Reviewed March 12, 2021
Best experience ever. No unnecessary phone calls, explained in detail from the beginning. If I knew it was that easy I would have done it sooner. I would recommend USA New Day to all my friends, so if You receive something in the mail take advantage of it. Thank You!
Reviewed March 12, 2021
3. The level of paper work to secure a loan far exceeds a reasonable demand. It took 4 conference calls between our bank, New Day, and us to convince New Day that a signature loan we HAD was paid off.
4. Our phone numbers were blocked from access to a supervisor on any help.
Reviewed March 12, 2021
Everything was handled in a very professional manner. Nick ** did a great job of answering any questions and helping make everything go smoothly. I would be glad to refer your services to any and all vets. Thanks again to your company.
Reviewed March 11, 2021
Actually was a lot easier than expected and went as smoothly as possible. I did get a lower interest rate and monthly payment and also got to skip one payment which always helps. Would definitely recommend New Day USA. No pressure at all and they stayed in contact with me the whole way and answered any questions I had in a reasonable amount of time.
Reviewed March 11, 2021
Was very impressed with Nick. He was clear through the process up to the closing of my loan. Outstanding representative of your company. Very personable and competent individual. Please express my sincere gratitude to him and New Day USA. Thank you.
Reviewed March 11, 2021
My wife and I contacted NewDay USA to refinance our home and Nick ** helped us every step of the way. He answered all of our questions and we were able to close very quickly. We would recommend NewDay USA to anyone.
Reviewed March 11, 2021
Ms. ** handled the entire process for us and did so professionally and competently. She was very patient with this old guy (I'm 86+) and very responsive to all my questions. Anyone who works with here in the future will be very pleased.
Reviewed March 11, 2021
I was very happy with the information about the refinance, the terms, costs, looking at if they had the escrow right, holding out for property tax, and they had it covered to a T. I would recommend them to any person that served in the military,
Reviewed March 10, 2021
My overall experience with the refinance process has been very positive. My NewDay representative Sean **, made the process easy. I was kept informed at all stages of the process and really enjoyed working with him. Veterans looking to refinance should definitely consider NewDay USA.
Reviewed March 10, 2021
After contacting NewDay USA concerning a refinance of my mortgage, I was pleased to be met by a very down to earth and good-business minded loan manager named Dylan. The refinance terms were presented to me in a straightforward way, and all questions & concerns I had were answered promptly. I then decided to move forward with refinancing my existing mortgage and every step of the process was effortless. I recommend NewDay USA to all veterans who are seeking the best terms from a lender who keeps customer service their top priority.
Reviewed March 9, 2021
The loan officer was inexperienced at best. He had little knowledge of the entire loan process. Many deadlines passed interest rate locks expired due to his lack of insight of when processes needed to take place. Even though it was their fault they wouldn't honor promised interest rates. I've never had to jump through so many hoops for a loan before because I have good credit. There was continued requests for the same documentation even though they already had it. I would give them zero stars if that were allowed!
Dear Mr. Spencer,
We are sorry to hear about your recent experience. A sales manager will be contacting you to discuss this further. If you do not hear from a loan officer by noon on 3/11, please contact customerservice@newdayusa.com .
Thank you.
Reviewed March 9, 2021
A pleasure to deal with this company. Our rep was both knowledgeable and helpful throughout the whole process. Most things were done on-line from the application to providing most documents. I was surprised at how quickly we were able to go from applying to funding in a relatively short time frame.
Reviewed March 9, 2021
Awesome job. My rep Alex was excellent. The process was simple, professional and personable. My loan was explained and understood with no wasted time or money. My rate was awesome. Best offer out 4 companies. New Day will work for you. Thank you much.
Reviewed March 9, 2021
Had a very quick and easy time doing a refinance with NewDay. I was happy with the service that was provided by Emily **. So therefore give Emily a pat on the back for a job well done. Again good job by NewDay.
Reviewed March 9, 2021
Overall very good experience refinancing my VA loan. Elliott was exceptionally professional, responsive and efficient throughout the process. Only critique is that I had to call back to get information on the loan servicing company. I don't believe I was provided that information as part of closing. When I called PHH, Jasmine was also very professional and helpful. Overall good experience. My first non-USAA loan in awhile, but your rates were better and frankly the customer service was just as good! Thanks.
Reviewed March 9, 2021
Very professional, extremely easy, and the most efficient process I have encountered. The folks I spoke with and had electronic communications with were very polite with quick response times to my questions. The interest rate is the best in the business. Thank you to all of the folks I worked with.
Reviewed March 9, 2021
We were incredibly pleased with the service we received in refinancing our loan. Michael was amazing and went above and beyond to ensure the process went effortlessly. His communication skills were top notch and made us feel confident in going through the process. We have already recommended NewDay to our friends.
Reviewed March 9, 2021
The re-finance was very long and complicated! I had to sign more than 100 papers and the process was too long! I have bought and sold 7 houses in my lifetime and this was by far the most complicated experience I have ever had!!!
If you would like to discuss your complaint with a manager, feel free to contact customerservice@newdayusa.com
Reviewed March 9, 2021
We were very happy with all the processes that were handle very good during these trying times except the last step. We thought at first all the balance we were consolidating would be payoff straight away by NewDay. But we were informed that we would receive the checks to pay off the balances & that they were all ready to go straight in the mailbox. Well, the checks were sent overnight express by FedEx last Friday night around 9pm, we got them yesterday around 11am.
The checks were all made out but that was it, they weren't in envelopes ready to mail & we didn't have any business envelopes in the house. So we had to go out & buy some, get them all address & go to the post office to mail. With the delay, our Bluegreen received another charge. Like I said, everything was nice & smooth, Cole was a great help, but the end process needs to go a bit smoother like NewDay just sending the checks directly to the balance the customer is paying off to consolidate. Just something to look in to to make the process even better.
Joe **, MSgt, USAF, Ret
Reviewed March 9, 2021
Did have a slight glitch in getting all the required signatures submitted but NewDay personnel ensure prompt assistance to close by the required date. We were very please with the friendly and professional service we received from the NewDay team. Thank you.
Reviewed March 9, 2021
I liked that I did not have to come up with all sort of paperwork and jump through all sorts of hoops and last min. got to have things. Paul ** was very nice and stayed in constant touch as things went along. I can and would highly recommend New Day to anyone. Shawn
Reviewed March 9, 2021
Outstanding and quick service. Kudos to our broker. Took less time than I thought it would. Glad you sent me an email to start the process. I will save $223 a month. That is a big reduction when you are on a fixed budget. Forever grateful.
Reviewed March 9, 2021
This was a smooth process from the beginning and submitting the required forms was a breeze. We signed and took pictures of the documents and submitted them. Others have forgotten something and we had to rush at the last minute but not with New Day USA! I would highly recommend your company.
Reviewed March 9, 2021
No problem. Smooth. I searched you out from the mail ads after another company offered false promises. When the other company could not provide and my original company contacted me to beg to keep me and offered what you offered YET they have had the Mortgage for almost a year and never offered to lower my interest rate I decided to go with you for a number of reasons. One you are a veteran too. Two you promise never to sell my mortgage because I have been sold three times in two years and it’s frustrating.
Reviewed March 9, 2021
Davion ** was absolutely the best. He was patient with us old folks and tolerated my bad hearing. The amazing thing was all that he promised came true. That seems to be unusual in today's business world. We really liked your signature online on all those forms.
Reviewed March 9, 2021
I cannot say enough positive things about Thomas **. He was thorough, professional, and informative every step of the way. We were able to refinance our home in record time. The entire process was smooth and easy. Thanks for everything New Day.
Reviewed March 9, 2021
This was the smoothest refinance we have ever done. We closed almost 3 weeks prior to our expected close date. Joe was great to work with and kept us updated all the way through. We would recommend New Day to any other veterans thinking about a refinance. Thank you
Reviewed March 9, 2021
First rep started out well then nothing, long period of silence until contacted by new rep. Paperwork and files all there, was asked about termite, but was in files, after told it was not necessary. After new representative everything went well.
Reviewed March 9, 2021
My wife and I decided that we needed to downsize our cost of living.. We had received several flyers from Newday, I was doing our taxes, so we acted by contacting Newday. Very pleased with our counselor Josh ** who was very professional and answered all our questions. Thanks again!!!!
Reviewed March 9, 2021
Paul ** made the process go as smoothly as possible, very responsive both by email and telephone. Outstanding attention to detail throughout the entire process. I appreciated the professional manner that I was treated, at no time did I feel as though Paul was trying to get one over on me to make more money. I highly recommend NewDay to any military personnel or veteran!
Reviewed March 9, 2021
Fast and very professional staff. Definitely the best and paperless. Got the refinance in less than a hour. Got the best rate accordingly to the market value. New Day definitely rocks. Kyle ** was very professional and very helpful. Mr. Kyle ** definitely a most keep.
Reviewed March 9, 2021
I made just one call to NewDay USA, spoke with very helpful people and the job with done in less than a month. My account manager called me if he needed any information and was always available when needed.
Reviewed March 9, 2021
From the first call I made through closing (which happened in just over a week!), the entire process was like clockwork. I feel that NewDay USA is a highly professional organization that knows how to get things done right for us vets. I highly recommend that any vet wanting to refinance their mortgage should seriously give them a look. They did right by me and my family, I'm confident they will for you as well.
Reviewed March 4, 2021
The process took 6 months to complete because prior to closing we endured 2 serious hurricanes. We sustained serious damages and it took months dealing with insurance, inspections, FEMA, and finally repairs. Paperwork was also difficult to get from another lending company. A NewDay employee, Jenna **, was extremely professional yet kind and patient the entire time. She helped walk me through the computer process many times. I believe I would have just given up but she was amazing to work with and just kept encouraging me to take the next step. I am thankful for her and the outcome of all the hard work.
Reviewed March 4, 2021
I want to first say I was nervous and scared to not use a real estate agent for buying my first home. Keelin ** and Meridith ** was amazing! They took me step by step and I am forever grateful for their customer service and leadership through this process! You better believe I will refer many to your company. Thank you for hiring such amazing people.
Reviewed March 3, 2021
I dealt with Evan C. He was very attentive and answered all my ?'s. The closing only took about 2 weeks. I was very happy with the personal attention I was given. The closing went well in my home. I would gladly recommend your company.
Reviewed March 3, 2021
New Day exceeded our expectations in all areas. I would highly recommend to family and friends. The streamline process eliminated many issues we experienced with other mortgage refis we've done previously.
Reviewed March 3, 2021
The process was quick and easy. Michael ** who worked with us was simply marvelous. He was very informative and very patient with me. I am so very pleased with New Day USA. We did not have to leave home for Settlement. It was done right here at our home.
Reviewed March 2, 2021
Stanford called me a couple of years ago after I made an inquiry. He was very knowledgeable and helpful. I wasn't ready to proceed then but I kept his information. This year the timing was right and the rate was even better, so I called him. He got the ball rolling and brought it across the finish line quickly, without a lot of hassle. I appreciated the closing agent coming to my home. Stanford made everything easy. He knows his game and he is a winner. Very satisfied.
Reviewed March 2, 2021
This was not my first refi, but in fact my third. This was without doubt my best refinance experience ever. Every step of the process was EXACTLY what was promised to me. New Day is a highly honorable, super-professional company. And through every step, they made me and my wife Maggie feel like they truly cared about us.
New Day set us up with Account Executive Jesse **, who guided us through the entire process. Jesse was kind, super-respectful (always addressed me as “sir”), patient, knowledgeable, and always helpful. Jesse ALWAYS answered each one of my questions, and expounded on important issues relative to my loan. Jesse was confident, personable and enjoyable to work with. Dear Rear Admiral Tom Lynch, sir, the opportunity you have given to this veteran means more than you will ever know. Congratulations for building such a beautiful organization and company! Please accept my sincerest thanks!
Ron **
Reviewed March 1, 2021
Anthony was such a pleasure, keeping me informed every step of the way. He even helped me getting the docs on my computer and helping me understand the computer process. I am 71 years old, so that was a big help. (I used a slide roll back in my college days!). Please let him know how I fell about him. Jim
Reviewed March 1, 2021
It was a pleasure refinancing my home with NewDay USA. Every step was explained in detail and very easy to negotiate through all the paperwork. Your representative keep me updated along the way and closed without any issues. Would recommend NewDay USA to anyone.
Reviewed March 1, 2021
We could not be more pleased and satisfied with the refi loan process with NewDay USA. We were kept very well informed of what and where we were in the process first by Annie ** and then by Paul **.. I would highly recommend that any veteran seeking to refi work with NewDay. Thank You so much.
Reviewed March 1, 2021
We were impressed with the way y’all handled everything. My wife and I would recommend always. Just waiting for information as to where we send payment.
Mr. And Mrs. John **
One of the things We could tell you is your advertisement was great. We were thinking about this, but wasn’t sure were to go. So glad we did this.
Reviewed March 1, 2021
The process was very easy and everyone was very helpful. Every person we encountered was very pleasant. I would recommend people to your firm. The processes was much faster and painless than I thought it would be. You were able to drop our interest rate by by half and drop our payment by 250 dollars a month.
Reviewed March 1, 2021
Actually second time we have used NewDay. Great, credible company. Would recommend to all. They have a great software package that guides you thru the whole process and their people return phone calls and test messages. Not done by some other companies.
Reviewed March 1, 2021
Great experience from start to finish. Such a smooth process. All agents were awesome and responded very well to any questions. Would highly recommend to any veteran looking to refi. Professional, friendly all around great experience. Notary came on closing day with all required documents and made closing a breeze.
Reviewed March 1, 2021
I called New Day and, thanks to a great loan manager, in less than 30 days I had refinanced my VA loan. In approximately and 24 months I will have recovered all my expenses and will start saving $300/month. So easy!
Reviewed March 1, 2021
I found most of the time the agent was pushing to get things done but was not thoroughly prepared to make it easy for the customer. One important element is to know what has changed since last submission or update.
Reviewed March 1, 2021
Thank you! Easiest close on a home ever.. From the first contact with Joshua to the options available to documents needed this was a very smooth and easy process. Hopefully, more veterans will take advantage of this great organization headed by the Admiral!
CMDCM USN Retired
DAV/VFW
Reviewed March 1, 2021
This loan has taken over 3 months to process and as of today monies have not been sent to USAA and Regions Bank to pay off my loans. As of today I had to make another payment on my old loan to keep them from reporting me to the credit bureau for Late payment and A late fee of $55.01 was charged as well. I answered every request from Brandon my processor. I was told the loan would be closed last Week And it was not done. If I had to go thru this again I would go with another lender. Went with you because I was waiting for your arm to be put around us as advertised. Both of us had over a 850 credit score so all the hoops you had us jump thru were unnecessary. I feel you should return my late fee of $55.01 and the additional interest that has accrued for the last two weeks.
John and Jeanne ** E-8 USAF retired
Mr. John,
We have confirmed that a NewDay Manager has made contact with you to discuss your loan status in depth, and NewDay has addressed your concerns.Thank you for your feedback and for making us aware of this issue.
Reviewed March 1, 2021
Jacob ** kept me updated throughout the process and for you veterans who have had your loans “sold” numerous times, NewDay will not sell your loan and that alone should make you want to let them earn your business. The process was easy and we closed 10 days earlier than our original date. I am also saving $400.00 a month, (that’s real money) so if you are thinking of financing or refinancing give Jacob a call.
Reviewed March 1, 2021
Nothing to say. What happen to we help vet. Not to mention I was approve for Loan but the agent was not truthful with me. Time after time I was told one thing then another # of times. Not to mention the time it took to complete loan.
Dear Mr. Jerome,
We regret to hear about your recent experience. NewDay strives to provide excellent service for our veterans with integrity and transparency.
Please feel free to reach out to customerservice@newdayusa.com if you would like to discuss this complaint with a manager. Thank you for your feedback.
Reviewed March 1, 2021
I want to personally tell you that Account Executive Jesse Hy ** is a phenomenal asset to your team. Jesse managed my mortgage refi application that saved me over 60K in out of pocket cost in addition to $1200.00 in monthly mortgage payments. I cannot overstate how pleased I am with the results. Jesse is the consummate professional with magnificent people skills. I served 30-years in the Army and retired as a Colonel (O-6) in 2009. I can't begin to tell you how gratifying it is to know that my service helped facilitate the opportunities we have in America and to know that veterans will get a fair shake in our hour of need. Jesse brought all of the that to life for me. He is a genuine American hero as far as I am concerned. Thank you for what you do each and every day to help those in need by providing extraordinary services and employing people that genuinely care about making life better for your customers.
Reviewed March 1, 2021
I really do appreciate the professionalism that Xavier exhibited throughout this whole refinancing process. He not only kept me informed step by step, but was very patient with me as I provided the required documentation(s). Not once did I experience any buyer's remorse or feel pressed into doing anything... So for that, I welcomed Xavier's candor and honesty.
Reviewed Feb. 27, 2021
The entire process was very smooth, except for the account payoff. It took six days after we signed the closing paperwork for the funding to make it to my current mortgage account. Other than that, everything was great. My account specialist Elliott was very responsive and always answered my questions quickly.
Reviewed Feb. 27, 2021
We were very pleased with the whole refinancing process through NewDay. It was very efficient and our rep Sam ** kept us informed every step of the way. He did a superb job explaining what to expect and where we were in the approval process. Kudos to him.
Reviewed Feb. 26, 2021
Being a Vietnam veteran (1st Cav infantry) I have been very cautious about putting faith and trust in an organization that I know little about. With the research and putting that faith and trust in a "veteran help" program And the Honorable Admiral being in my mailbox a few times every week I made the important decision to respect authority and here I am. The gentleman whom I dealt with (Eugene **) was extra helpful to help me understand and his/the information given to me was correct. He even received my joking as it was intended. I am very glad that I made the decision to use New Day USA as my partner in the refinancing process..
Reviewed Feb. 26, 2021
As you know, if you have a VA loan you are being swamped with streamline refinance offers from every lender. Well, I started down the refinance road last October with another major lender but I became so jaded with the process, I withdrew before the loan closed. Why? Well, I don’t like being handed from agent to agent as the process moved along, especially when each of these agents had a little different interpretation of the costs. It was kinda like playing poker when the other player is turning up one new card every other day. I don’t like surprises when I transact a home mortgage - do you? Surprises like...."Oh, yes we need a “drive by” appraisal"...."Oh yes, send us last years income tax records," "Oh yes, you’ll need to bring out-of-pocket cash to closing," etc. when I made it known that I was not happy with these surprises, I was (once again) handed off to the “closer” who tried to hound me into going ahead with their loan.
I got so frustrated I cancelled the loan process. I took a break over the holidays and because the interest rates are so low, I knew I needed to try again. I kept looking at NewDay’s TV ads and mail brochures and decided to give them a call. Well, I’m glad I did. A NewDay agent (5 star Erica **) called me and told me she would be my agent all the way to closing (ok, now we’re talking!). Erica knew her stuff and answered every question I had straight up. She got me a solid estimate the same afternoon and NO hidden surprises (great job Erica). She called or texted me every few days just to stay in touch and answer any questions.
The loan process moved a lot faster than the competition’s and I closed in less than a month....unbelievable! NewDay sent a Notary to my home because of COVID concerns and we social distanced/masked and conducted the closing on my back porch.....talk about convenience and concern for customers! Oh yeah, no appraisal, no out-of-pocket costs. I know this is a long review, but hey, I’m an old story teller. If you are waffling and wondering which mortgage company to chose, may I recommend NewDay. I like dealing with professionals who know their subject and give straight answers, don’t you?
Reviewed Feb. 24, 2021
I like the APR rate that I received and Kyle was very prompt in delivering everything necessary to ensure a successful closing. I'm so happy that I will be able to save a nice amount of money each month. I was a little skeptical at first but everything worked out to my benefit. Thank you.
Reviewed Feb. 24, 2021
I found the process more difficult than advertised as we had our home in a trust for the purposes of protecting our investment in case of our death. I had to go through filing a quit claim deed to transfer which turned out to be a tone consuming hassle. Was this really necessary?
Reviewed Feb. 23, 2021
Our agent was Mr. Paul **. From the very start to end he was very professional, never hesitated to answer any question we may have had. Mr. ** kept us up to date in every detail by e-mail or phone, We could not have ask for any better service than we received.
Reviewed Feb. 23, 2021
My experience with the analyst was pleasant and he was able to get the refinance done in a reasonable amount of time with little or no unexpected problems that would have made any difference in the final outcome. I would consider the overall experience very pleasant.
Reviewed Feb. 23, 2021
The entire process was simple from start to finish. My agent was there with me every step of the way and answered all of my questions. New Day USA is Highly-rated and I recommend to anyone that is eligible. They will get you the best deal.
Reviewed Feb. 22, 2021
I truly wish I could give NewDay USA more than a 2-star rating, however our home buying experience was incredibly stressful brought on by their underwriting department who are so difficult to work with. They offer nothing to the process except to say it is a VA requirement. I as the client provided them document after document showing them where they were wrong in their assessment of VA policy which went nowhere. So, my recommendation is if you are buying a home and there is a question whether you need flood insurance make sure what the requirements are up front, three (3) days before closing I had to purchase flood insurance which pushed my closing dated back. Oh, by the way there is no way to contact the leadership from the website. If I could rate my Account Executive and my Account Processor separately, I would give the Five (5) stars.
We are happy to hear of your exceptional experience with your loan officer but we are sadden to hear of your experience with the underwriting team. We will certainly use your feedback, in regards to this experience as a training opportunity. We are honored that you chose our company to complete your refinance with and we thank you for sharing your opinion with us.
Reviewed Feb. 22, 2021
During the loan process, the home appraisal component moved very slowly. The appraisal was ordered on 12/1/2020 and was signed by the appraiser on 12/8/2020. However, the loan did not move to the "In Processing" component of the loan until 1/11/2021. In my opinion it way too long to move that phase of the overall process. Other than that loan representatives were very courteous and always able to answer questions.
Reviewed Feb. 22, 2021
I want to Thank everyone from New Day, The process was smooth, AJ made it so easy, He answered every question, Kept us up to date throughout the whole process, with e-mails and personally calling us, We actually got to close about 2 weeks early. Thank You New Day USA.
Reviewed Feb. 21, 2021
The second agent we worked with was great. Very helpful. She set up the closing paperwork and made the experience effortless. Having done this before, I appreciate a smooth closing experience. From the beginning the experience was timely and on schedule. I appreciate the website and the advertisements I saw on television.
Chuck
Reviewed Feb. 21, 2021
This is the second time that We have refinanced with New Day USA! It was very easy and working with Matthew ** was GREAT! Matt was always right there and knew his job! Under this Veterans refinance program we saved a lot of money and with the very low rate, it put our payment at a very comfortable level for the future!
Reviewed Feb. 19, 2021
New Day provided us with great service when we refinanced our home loan, we could not have asked for better service. Our agent, Jake ** was very polite, consider and knowledgeable. Our questions were answered and we felt valued through out the hold process. We would definitely recommend New Day to others.
Reviewed Feb. 16, 2021
This was my first experience with New Day and I must say that it could not have been better! Outstanding customer service from the beginning of the process until the end. The entire process was explained to me in detail to where my wife and had no questions. I initially had an idea of what I wanted but Nick provided me with better options that addressed all of my needs and provided me with what I needed, which was more than what I initially wanted.
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