


Chad Kirschbaum
Mortgage Analyst
NMLS ID # 2077885
ckirschbaum@reliancefirstcapital.com
Toll Free: 866-735-9004 ext.4126
Cell: 516-419-8441
Direct & Fax: 516-566-4126
Great people to work with especially Chad and Carolynn. They helped me out a lot getting my refinance done. I would recommend Chad and Carolynn because they went over and beyond, just a great experience. Chad helped me out so very much to get all the paperwork back to you all. He is a great asset to your company. Chad was there for me and I appreciate him more than I can say. Carolynn helped as well.
Daphene A. - Virginia
These guys have helped me get equity out of my house twice, saved me lots of money and helped my credit score.
Steven C. - Virginia
Chad, Carolyn, and the rest of the team at Reliance First Capital were amazing through the whole process. Chad took the time to explain everything including all my options, steps, and what to expect. He was a pleasure to work with. Courteous, professional and always attentive. I truly cannot thank Reliance First Capital enough for helping me and walking me through the process as well as removing any doubts and concerns. Thank you Chad and the team.
Andrea B. - New York
Chad has exceeded my expectations. He is amazing not just for his professionalism, but his kindness and human touch. Also always ready to listen and whatever he promised he delivered. A very valuable employee in your team.
Fausto P. - New Jersey
Chad is great! He is very thorough and professional! I’d recommend this company anytime! Reliance First Capital treated us with respect, was very professional, and had all our questions answered!
Debbie N. - New York
This is my wife and my second time getting a mortgage. I cannot even begin to tell you how much smoother, easier and overall better of an experience it was with Reliance First Capital. Chad was absolutely incredible. He was so transparent through the whole process and was with us every step of the way. He would call to check in on us and would let us know what was happening and when at every moment. He truly went above and beyond and made the most stressful part of house buying the easiest. I cannot recommend a mortgage broker any higher than I do Chad and Reliance First Capital! Amazing Team!
Kristen and Ben B. - New York
Chad was great to work with.
Robert M. - New York
After being told that I did not qualify for a refinance on my home...Chad took over my case and made it happened. It wasn't easy, but he worked a miracle. He went above and beyond to make it happen. I could reach him anytime I wanted to and he kept me informed throughout the whole process. In the end I was very satisfied and I would highly recommend Chad to my family and friends and anyone that needs a refinance done. If I have to do a refinance again I am definitely calling Chad. Thank you Chad, Very Satisfied Customer, Marcia.
Marcia B. - Florida
Chad went above and beyond my expectations and was a pleasure to work with! From start to finish I felt confident in the loan he provided us and we were able to close faster than I expected.
Jason H. - New Jersey
Reliance First Capital did it again! We just bought a new home since we needed some more space for the kids and never even thought of going somewhere else for our new home loan after our amazing experience with our refinance! Chad Kirschbaum has always been so incredible and always was in our corner fighting for us no matter what popped up. Definitely recommend! Chad was there for every need and got an answer for any questions we had. He was always in our corner!
Kalyn B. - Georgia
It was a good experience.
June V. - New York
After [unsuccessfully] trying to get a reverse mortgage with a CA-based company (they kept requesting the same stuff over and offer AND did not return our calls which was annoying) and then working with another two lenders who were also not good, we are sending our thanks to you [for getting us the mortgage we wanted]. I know two other Veteran friends who need your services [I will forward them your information].
Robert R. - Michigan
Do your due diligence and call this place for a refinance or when buy8ng a home. Customer service with their reps and office staff is professional and expedient. Would do business with them again if our circumstances require their services.
Patrick D. - New York
Good afternoon Chad! Thanks again for All your help and support in the process of securing the funds, needed to start and finish some of my home projects! You were very empathetic and knowledgeable about my situation and I Thank You. I highly recommend You and Your Company to others for their financial needs. Thank You.
Monica K. - Virginia
I understand my rating of chad didn't go through. He was the most driven and can do person I've met in years. He took control and kept me as a customer after numerous occasions with people that didn't seem to care whether the transaction went through or not. I can't say enough about the guy. He is an asset you don't want to lose.
Sean H. - Virginia
Everyone was fantastic! I will use again and refer if needed.
Debra S. - Virginia
Chad and Marissa were very helpful and upfront. They made the process comfortable to do. I certainly would recommend them.
Mark S. - New York
Chad was friendly and very helpful.
Annarosa C. - Massachusetts
Chad was personable yet professional. I've already begun recommending clients to him.
Kyna F. - New Jersey
Chad set us up with our loan and answered questions quickly and clearly.
James B. - Georgia
Honestly, this process went so well, smoothly and quickly that I can't think of how to improve my experience with Reliance First Capital. Chad Kirschbaum was lead on this funding project and was exceptional navigating me through this process. I have never professed to be a numbers guy, but Chad was phenomenal explaining the entire process and how I would benefit in the long run. Ultimately, the purchase for which the funding would be applied, did not come to fruition. However, with the funding in place, I can now take my time and make a proper decision regarding a place to spend retirement. Chad was integral in making me feel comfortable enough to go through with this process. He was patient, informative and, most of all, available. He answered emailed questions at late hours in the evening when I was not expecting an answer until the start of the next business day. Honestly, I can cannot point at too many examples of that happening in my career. His knowledge, calm demeanor and above and beyond customer service is a credit to his professionalism and to the Reliance First Capital mission. Thanks so much Chad! In addition, I would be remiss by not giving a shout out to Carolyn. Although my dealings with Carolyn were not as lengthy as with Chad, she was amazing walking me through the final processes up to closing. She was amazingly informative throughout a confusing couple of days. I thank all of you! I found your online presence, i.e. electronic forms, documents and other items easy to navigate and understand. It is a very smooth process for sharing bulk documents. Thanks for making that easy. At this point in time, I know of no one, but should the question arise, I will not hesitate referring a potential client to Reliance First Capital. From inquiry to application process, to closing and financing, this has been a smooth process. Mortgage Analyst Chad Kirschbaum was instrumental in navigating me through the entire experience. Reliance First Capital's online experience is easy to work with and is a resource saver as well. Many thanks to all who have had a hand in this successful application. Highly recommend this company!
Robert B. - Virginia
Working with Chad Kirschbaum at Reliance First Capital was a pleasure. This was mine and my girlfriend's first home buying experience and it couldn't have gone smoother. We had tons of questions and we have a very busy work schedule, but he was always there to answer phone calls, questions, and help us every step of the way. I would definitely recommend Reliance First Capital to friends, family, or whoever has any mortgage needs.
Paul R. - New York
Very pleasant.
Gayle R. - Massachusetts
Chad truly went above and beyond, even calling me on a Saturday morning to address a question I emailed the night before. I felt like he had my best interest at heart and he was never pushy, unlike other mortgage brokers I spoke with.
Nicole S. - Massachusetts
Thank you and your team so much for helping with my dream wedding!!! Also, for helping to get rid of a ton of debt!!!
India G. - Georgia
Chad, just wanted to thank you for all your help, from our first conversation you did exactly what you said you would. I appreciate all your help and assistance. You made the paperwork process as painless as possible. Thank you.
Daniel B. - New York
Everything went great. Your company and all employees were great, very helpful to me, very courteous and respectful to me. Thank you All.
Renee K. - Arizona
You made me feel as important! I'm an older gentleman and thank you for your help!
Matthew W. - Georgia
Chad, tomorrow morning I am having Kyphoplasty on a vertebrae in my spine. I am concerned, of course, but at least my finances are in the best order they have been in years, thanks to you!
Gerry H. - Georgia
Of all the mortgage companies I've spoken to and worked with, Reliance First Capital showed me what a mortgage company should be doing for clients. I worked with Chad and he went all the way to ensure I got my refinance completed. He is the most reliable person to work with.
Rose F. - Georgia
Chad Kirschbaum kept us informed every step of the way. The loan processor also kept us informed and Chad's manager contacted us to make sure everything was going well and gave us his contact information in case we had any questions.
David K. - Michigan
Quick and easy... Chad walked me through the entire process and was there when I called with any questions or concerns.
Keith J. - Georgia
Chad Michael Kirschbaum is an exceptional employee who helps all his clients to achieve their goals when other companies turn them down. He's someone a person can rely on. Chad is very knowledgeable and helpful to his clients. I will spread the word that Reliance First Capital is the way to go.
Rose M. - Georgia
Great job.
John P. - Arizona
Chad, a tremendous professional. I proudly wish to rate the work of this professional. He has not regarded our case as unsolved. With great talent and full knowledge of the subject, I order the pieces of the puzzle reaching the best option for our home.
Anibal P. - Arizona
Great service great personnel wonderful experience.
Wayne J. - Georgia
Great Way to Refinance. I responded to an email about Reliance and received a phone call from Chad the same day. He answered our questions, and had information we needed to put our minds at ease. He was always available to talk us through the process, put us in touch with every agent or document needed and let us know the next step—all without leaving our home. In three weeks, we were able to refinance, saving almost 2%, skipping one house payment and saving money for retirement. Chad is very professional and understanding, while showing his concern for client’s needs and interests.
Wayne K. - Georgia
Chad was amazing! We are saving so much money a month and he was able to take care a few things that other refinance companies were not able to do. We've been trying to refinance for five years and thought this would never happen. Thank you all at Reliance! I can't think of anyone at this time but if I hear of someone we know looking to refinance, we'll tell them of Reliance.
William W. - Michigan
Chad follows thru on every detail; this keeps the process moving quickly. He's personable, thorough, confident and cares about the clients' needs. Some of the best service you'll ever get. Make your life better and go with this guy; follow his lead and get the results you want.
Rob S. - Michigan
Excellent experience working with Chad. He explained the entire process completely and thoroughly. I knew just what to expect. Would definitely call on him again.
William P. - Georgia
Chad was very knowledgeable about re-financing our home. Chad kept us in constant touch with the whole procedure. Keeping us informed throughout the entire time the re-finance was in process.
Clifford S. - Oregon
Excellent experience. Chad made the entire process a wonderful experience. His professionalize was always available to us. Questions were quickly answered, doubts were always overcome. Thanks Chad for a great effort.
Richard L. - Connecticut