Vault Financial - Mortgage Services

We can't recommend Wes at Vault Financial highly enough! From day one, Wes was absolutely essential in helping us qualify for our home loan ? and he did it with creativity, expertise, and an incredible level of support. Our situation wasn't straightforward, but Wes thought outside the box and helped us navigate every hurdle with confidence and clarity. What really set Wes apart was his communication. He was always quick to answer our calls and never made us feel like a bother. He took the time to explain c

I am so grateful to Wes, Marci and the entire team at Vault Financial!! My husband and I found our perfect home and Vault Financial helped us secure it. They are so efficient, knowledgeable and strategic thinking. Not to mention easily accessible and responsive. They are so quick to move things along while keeping in close communication. Wes simplified the process for us and gave us peace. We truly appreciated how easy and quick the process was from beginning to end. Goodbye antiquated ways of working with

We are so blessed to have found Wes for our mortgage needs! He's very efficient and knowledgeable. If we're ever in the market for a refinance or even advice we won't hesitate to contact him. We cannot recommend him or Vault financial enough!

Buying our first home was an exciting but overwhelming process, until we started working with Vault Financial. Wes and his team were absolutely instrumental in guiding us every step of the way. As first-time homebuyers, we had a lot to learn, but they made a complex process feel manageable and clear. Their highly informative guidance, detailed explainer videos, and quick responsiveness gave us the confidence we needed to navigate everything smoothly. They were efficient, thorough, and always willing to answ

Rick Hancock & Vault Financial did an amazing job securing financing for my new home. Rick was knowledgeable on the front end, creative during the loan process as we needed to pivot mid-stream, and ultimately got the deal done in 8 days! Phenomenal!!

I recently had the incredible opportunity to work with Wes, and I can confidently say that he is a true wizard in the world of home lending. From day one, he demonstrated an impressive depth of knowledge not only in the financial aspects of real estate but also in the entire landscape of the industry. His expertise is simply unparalleled, and I can't recommend him highly enough. Navigating the home-buying process can be daunting, often filled with complexities and uncertainties. From the initial conversati

The Vault Financial team, including Wes and Marci, were absolutely pivotal in securing my family's dream home. What I thought to be a complete fairy tale, this team turned into reality. They worked with everyone involved to ensure our loan was completed well ahead of schedule so that my family could celebrate Christmas in a home I can finally invite my parents into. Thank you Vault Financial. Job very well done!

Wes Hankins and his team have given us outstanding service over the past 15 years. He facilitated two sales and two purchases with excellent communications and skill in negotiations.

Wesley and his lending team are EXCEPTIONAL!! Our transaction was so smooth, always updated with amazing video knowledge and extremely professional!!! Not to mention we closed in record time!!

Wes and the team at Vault mortgage are the absolute best. As a new homebuyer i had no idea what i was getting into. They walked me through the process explaining every step. With their help i was able to purchase my dream house! Wes was even able to drop my interest rate a whole percent from original estimates, saving me over $400 a month. Would hands down recommend Vault financial to anyone looking!

Just closed on a transaction with Wes at Vault Financial. The loan process with the buyers could not have gone any smoother! He kept everyone updated on every step, communicated quickly and his video updates were very cool and informative! Deadlines were not only met, but exceeded my expectations. Working with a lender like Wes, made my clients at ease thru the whole process of selling their biggest investment. Will definitely use him again if possible! Thank you Wes!

I had a great experience with Rick Hancock at Vault Financial. Everything was easy and smooth processing to close on my first home !

Rick with Vault Financial was very knowledgeable, professional and helped me during my entire home buying experience. Even with the builders loan offer and incentives, Rick was able to lock in a better rate, helped me also buy down a percentage of the rate and my closing was earlier than expected. The entire process was efficiently done. Rick helped me through the entire process, making sure that I understood everything and was available anytime to answer my questions. Whenever I reached out to him, I got

Wes and his team are consistently going above and beyond making the impossible possible! I cannot express my gratitude enough and highly recommend Vault Financial for all your mortgage needs. 10/10 would and will recommend again!!

Wes and his team helped us with buying our first home then a year later helped us refinance our home at a lower interest rate! He is great with communication, he makes himself available at almost anytime, and does videos to help us understand everything! Which for someone that is so intimidated home buying, loan etc. the videos really helped me.

Wes and the entire Vault team are incredible! As first time homebuyers, we had tons of questions about the lending process and Wes was there every step of the way. He made the entire process seamless - he always shot us straight, answered all of our questions, and walked us through everything from start to finish. He is communicative and accessible (took our calls on weekends, holidays, etc) without overwhelming you with information and is definitely an advocate for his clients. Truly went above and beyond

Wes Hankins of Vault Financial is a top notch talent. His communication and professionalism beats any lender that I've worked with. His team even provides personalized video updates to myself and my clients every step along the way. What more can you ask for?

We have used Vault Financial on many occasions, and they always do excellent work! We highly recommend them!

Wes and his team always get it done! We have used them twice now and both times other lenders couldn't help us. I would highly recommend Vault Financial.

Rick and his team were so easy to work with. They kept the work my wife and I had to do in the loan process to a minimum. Great communication and customer service. The whole process was smooth and easy. I had owned a home before, but did not use a loan officer--very glad I did this time, and that I was fortunate enough to be referred to Rick and his team.

Wes Hankins and his team set the bar for service! The end-to-end process from my first phone call through deal close was seamless and I felt like I had a partner who was aligned to my goals every step of the way. The entire staff was thorough, attentive and super knowledgable. The video explanations at milestone steps were awesome and I couldn't have been more impressed with how they always seemed to be "on," answering texts, phone calls and emails without delay. Already planning to use Vault in the future

I had the pleasure of working with Wes and his team recently, and I must say it was a fantastic experience. The entire transaction went incredibly smoothly, and I couldn't be more pleased with the outcome. Wes and his team not only met but exceeded all of my expectations. They demonstrated a remarkable level of professionalism and commitment to their work. One of the standout aspects of my experience was their impeccable adherence to the schedule they had laid out. Deadlines were met, and everything was exe

Working with Wes and Vault Financial was the easiest part of our home buying experience. He answered all of our questions and has really taken the time to ensure we understand. Wes is honest, friendly and very knowledgeable at what he does. Without Wes we would not have found our dream home. He found a deal and negotiated very favorable terms for us. Thanks Wes and Vault Financial.

I would like to extend my heartfelt gratitude to Wes Hankins for his unparalleled expertise and thorough analysis, which consistently empowers my clients with the clarity they need to move forward confidently with their homeownership goals. Thank you, Wes, and a special thank you to your remarkable team for your professionalism and prompt, thoughtful feedback. Your dedication truly makes a difference!

Vault Financial is hands down the best! Wes is by far the most communicative, knowledgeable, and responsive loan officer I have ever worked with! He always goes above and beyond and his expertise and professionalism are second to none! Definitely don't hesitate to use Wes and his team for your loans! You will not be disappointed.

Wes and his team are the best. Not only do they go above and beyond, they are extremely knowledgeable and take pride in getting their clients everything they are looking for. I continuously recommend Vault Financial knowing the people i refer are in great hands with there financial needs. You will be highly satisfied with the end result when working with Wes!

Wes and his team were incredible. We are Realtors and we know how competitive it is for the mortgage industry. Wes has a wealth of knowledge and conveys it in a way that is accessible , easy to understand, and speaks directly into each person's specific needs. Since he is independent, he is able to access many programs, giving clients the most options. He is responsive and clearly has a love for what he does AND the people he works with. We were more than pleased with his service.

The BEST loan experience I've ever been through and EXTREMELY quick. Even my realtor said he was shocked at how quickly everything was processed! As a result, we closed on our house only 2.5 weeks into escrow! Smooth process and no surprises! I will only use Wes and his team for my future home loan transactions!

I can't say enough about Wes and vault Financial there process from beginning to end was seamless! When no one else could get the job done, they came through? 100% we recommend them to anyone looking for a lender. They go above and beyond.

Working with Wes and his processor, Marci at Vault Financial was amazing! There was never any question where we were in the loan process because they would send video and text updates regularly. This made us feel at ease and really understand the flow. Communication is key and they are top notch!

Wes and his team provided me with the most picture-perfect first time home buyer experience! They went the extra mile every step of the way. I felt very comfortable to be able to ask lots of questions and very confident in their ability to get me the best deal out there. My realtor has already referred 2 other buyers since I went under contract. CHOOSE VAULT FINANCIAL! :)

This is my second timing using Vault Financial. They have a variety of loan options was always offered very helpful advice and was informed of the process through every step. They truly go above and beyond for their clients.

Vault Financial provided unparalleled customer service. When we were making a major decision such as seeking a home loan one thing that we wanted was a trusted individual who would guide us through the process and look out for our best interests. Rick Hancock with Vault Financial was this person and we are thankful for his honesty, responsiveness and professionalism. Our expectations were met and exceeded in virtually every category and we highly recommend Rick if your considering a home mortgage.

Wes had ALWAYS been a pro and was the best on this deal! I was kept informed 100% of the time with the timeline, any 'issues', and communications. The team (wonderful team) was communicative with my client, explaining the 'why's' of the items needed and resolving things to get the job done- on time and with a happy Buyer!!

Wes and the Vault Financial team went above and beyond to find our family funds when we needed it most. The team worked tirelessly to take care of us. You are in good hands with Vault Financial!

This is my second time working with Wes & Team, and having used his services previously it was a no brainer to come back to Wes again. Just as good the second time round. Having just completed a home refi with Wes and Team, I would truly have no hesitation in recommending Vault Financial to friends & family. From initial contact to final closing, the entire process ran smoothly. Wes & Team managed the entire process, with minimal effort and no inconvenience on my part. Wes & Team provided timely updates an

The Vault Financial team is one we have used a twice for our housing searches and ultimately for buying our forever home. I cannot emphasize enough how positive our overall experience was. Wes Hankins is knowledgeable, accessible, truthful and extremely insightful. Our journey was a little bit of a roller coaster with excitement, disappointment, and renewed hope and ultimate victory. Through all of this adventure, Wes encouraged us, supported us, ameliorated our fears with knowledgeable and thoughtful atten

Wes and his team are the best! Not only did they provide professional loan service but Wes is very knowledgeable in many financial areas and gives confidence that you are working with the best team and that their interest is to make sure you are getting the best deal! To add to how great this team is, Wes also uses technology to give excellent communication and keep you updated as to the status of you loan. Every time I email, or texted Wes - I got a response right away. This is the best team!

Being a FTHB it was very comforting to have Rick at Vault Financial on our side through this unforgiving market and rates. His expert knowledge, patience, and determination really helped us go through with our first home purchase. He takes the time to understand his clients needs as well as goals to help ensure their success and he was available to us anytime we had questions or conerns. We will definitely be contacting Rick again when it's time to refinance, me and my family couldn't be happier! Thanks aga

Wes was attentive to our needs & on top of our refinance every step the way! Marci was also so kind to work with! Highly recommend them for all your home loan needs! After years of working with Wes, I reached out to find out options for refinancing. Wes provided us all options, even those that did not directly benefit him. We continue to highly recommend Wes! He is always our first call for all things finance and mortgage.

I purchased my home with Wes and his team at Vault Financial almost two years ago and have refinanced twice since then. Every time I have worked with them, it's been a very good experience and my mortgage situation has improved nicely. The customer service and expertise are phenomenal. Every time I contacted them, I received an almost immediate response. I was kept up to date on progress regularly. And, very importantly, Wes is meticulous about making sure all the i?s are dotted and t?s are crossed i

Loved working with Vault Financial. Weekly video updates made staying in the loop a breeze and they worked hard to get the transaction to close on time. Would definitely recommend!

Wes was fantastic! Start to finish was a breeze. My buyer was able to get the best rates I've seen in a while. Even the closing attorney told her he hasn't seen rates that low in months. I'll definitely be using him again

Wes and his team were an absolute pleasure to work with. Their efficiency and creativity provided us with many options that would fit our situation. They made a traditionally stressful time simple. I look forward to working with them again!

Wes and the team at Vault Financial were unwavering in their support and commitment to facilitating the purchase of our home! Because we purchased a bank owned property, the process had many moving parts and required Wes to work with a solar company and at least two other entities to bring our deal to fruition. Wes was always reassuring and steadfast in his ability to educate both us (as buyers) and, at times, the other parties involved in the process to continue to move the process forward. We feel so fort

Wes went above and beyond to help us get a loan for multiple properties. The first property we were told by three different lenders they couldn't do it but Wes came through. Him and his team also have a wealth of knowledge. Would definitely use again

The team at Vault was amazing. Zero hiccups in the purchase of our new house. They took the time to answer all our questions and were available to explain the entire process. Highly recommend this team for all your mortgage needs. Thanks to Wes and his team.

I had a great experience with Rick and the Vault financial team. The speed of response, accuracy of information and over all ability to get a quick clear to close was outstanding. I would highly recommend anyone looking for loan products to speak with Rick and team.

If I could give more stars I would. What can I say, Wes and his team have been incredible to work with. Morning, noon, night or weekends they are there to answers your questions and walk you through the process. Getting us into our new home is truly a blessing and can't recommend Vault Financial enough!

Such a smooth + great experience! Excellent communication and so easy to work with. We are so grateful!!

Rick was awesome. Was there for the whole process. Even whent out on a limb to make sure we would be able to qualify for our first house. Gave us alot of diffrent options and work with us the entire time. Made buying our first home smooth and easy. Even do we looked at 3 different homes he was there to help with the finance process for all 3 homes with all the different numbers. Was glad we where able to make one work. Would highly recommend rick and voult financial. Thanks Juan sanchez

My client used Wes for his loan. This was my first transaction with Vault Financial. As a Realtor, I have to say they did a great job getting the best deal for my client and closed on time!! I will be referring all my Buyers to Vault Financial. Best Lender I have dealt with in my 12 years in Real Estate. Thanks Wes and his Team for a smooth transaction.

Wes has been an amazing resource when navigating any financial question I had. My Re-if process was very smooth. Wes treats you like a friend and wants only what's best for you. Marci was great and she was on top of everything during the process. I felt taken care of and I would recommend Wes and Vault Financial to anyone, friend and family.

We are so pleased and Blessed to have had such amazing customer care from Vault Financial Mortgage Services! Even while going through a difficult personal family health issue, they were so patient with us? They answered every question, many questions quickly & made sure we had all the information we needed. Wes was very responsive along with his amazing team!?? ?? Recommended by our Pastor, we are Thankful for the end result that literally blew our minds. Wow! What a difference they have made for our famil

Rick is amazing! He made the entire process run smoothly. I was a complete novice and he walked me through each step and made sure that I was well informed about everything my loan entailed. He stayed in communication and made himself available to me (even when I had to work crazy hours). He goes above and beyond. I cannot recommend him and vault financial enough. Excellent service through and through.

We had the absolute best experience with Vault Financial. Rick Hancock was the Best to work with. He always kept us informed and was in constant communication about what was happening with our loan. I highly recommend using him for any financial needs!

As a Realtor, I've worked with many different lenders. Vault Financial is one of the best! Rick and his team make the escrow transaction such an easy process for clients, and myself! Whether it be first time home-buyers, sellers wanting to refinance, or investment options - the team knows how to get the job done in a quick and professional manner. No client?s questions go unanswered. I'd recommend Rick and Vault to anybody!

This is our second time using Vault Financial. Wes and his team are superb. They keep you updated and informed. The process was smooth and without hiccup. They treat you like family and are looking out for your best interest. I would go to no one else for our home buying/ refinance needs. Thank you Wes and Tina for an exceptional experience!!!

Wes and Marcy at Vault Financial have been incredible!! We have been lucky enough to have worked with them for many years. We've sold and bought two homes and I can proudly say that working with the team goes beyond just real estate. We are treating as if we are going through the process with a friend. Meaning, calls regarding any questions we have(asked several times or not) financial advice when asked, really a great sense of guidance on buying/selling our homes. I'm very impatient when it comes to wantin

I have worked with Vault Financial twice, so far. They are very knowledgeable about todays housing market. If problems came up they were quick to get them resolved. Everyone in the company is friendly and want to be sure that everything with my transactions went smoothly. I will definitely work with them in the future.

Rick was great and very attentive to all text messages and calls my client and myself had throughout the process. The communication through their emails was also very informative to know exactly where in the process the file was. Thanks again Rick!

Vault Financial do a great job on their mortgage services, I needed to refinance and cash out ASAP. Wes and his team where able to close escrow in 3 week that was awesome! Vault Financial staff are very easy to talk to they are very professional, friendly and understanding they really know what they are doing. I would definitely recommend them, they are great!

Wes Hankins and his Vault Financial Team are extremely great to work with. The entire refinancing process went smoothly. Every step in the procedure was explained in detail. Automated reminders are sent by the team so that no steps are missed. When I had questions, Wes was always responds immediately and provides a clear answer. This is my seconds refinance with Vault Financial and I am very pleased with both experiences.

Can't say enough good things about Rick Hancock at Vault Financial. He was very understanding of our situation and extremely helpful every step of the way. He took time out of his day each day to update us on current market conditions and let us know where rates sat each morning - a huge help given the current economic climate. Highly suggest reaching out to Rick, he'll make the process as effortless as it should be and won't stick you with unnecessary charges.

My husband and I are starting to get interested in the home buying process so we sent in our info to see what might be available for us. Wes spent an hour on the phone with me and was super informative (and honest about all potential scenarios)! While we aren't ready to start our home buying journey (need to save more), I am so appreciative of that hour phone call and all the information Wes passed my way. You don't know what you don't know, and the fact he was willing to stay on the phone with me knowing w

2023 update: my score still stands. Wes sends information regularly to his customers and spent an hour on the phone with me the other day just discussing referrals for financial planning and methods i can get educated. 2020:I bought my first home through Wes and his team. I had done a lot of research on other companies and thankfully went with him. He was able to get loan docs to the seller in a pinch and we closed in less than 30 days. He got us an insanely low interest rate without buying it and found

This is the 6th time dealing with a mortgage lender and by far the best experience yet. Wes Hankins is extremely knowledgeable in all aspects of lending and real estate. He was incredibly helpful every step of the way. His assistant, Marci, was polite and on top of everything needed to make our experience as smooth and easy as possible. I will definitely go back to Vault and I recommend him highly. I will even say you're foolish to go to anyone else. ????????

I had the privilege of working with Rick Hancock from Vault Financial, and I must say that he was an absolute lifesaver. Being a first-time homebuyer, I was understandably nervous and had a lot of questions, but Rick was always there to guide me through the process and answer my queries like a trusted friend. Rick was referred to me by a close friend who had purchased a home through him 6 months prior, and I'm so glad that I took their advice. Not only did Rick offer me a better rate than other brokers I h

Wes and his team were very easy to work with. Would definitely recommend them to anyone going through home buying process. They had several options for us in a timely manner, and some that were unknown that proved to be very beneficial to us.

Vault financial has been amazing in guiding and sharing their wisdom to help us buy and refinance our home. Wes has even given us so much guidance for buying a 2nd property out of state. With answering multiple phone calls from me, even though he wouldn't get credit for our purchase out of state. You can tell he is passionate about what he does, which is helping us customers. Wes and his team have been everything we've needed before, through and after buying a home.

Rick at Vault Financial has been great to work with. He was incredibly patient, knowledgeable, and thoughtful. I never felt any pressure and was provided with various well explained options. I highly recommend working with Rick for all of your mortgage needs.

Working with Wes and his team was a dream! We were looking to refi and had started the process with another company, but stopped because they were pushy and didn't explain things well to us. I am so glad we found Vault Financial! Wes took the time to meet with us and explain several options we had (some of which we didn't even realize we could do). He was patient and always available to answer our questions. From beginning to end, we felt very comfortable with him. I couldn't be happier that we went with Va

This is my second time using Vault Financial. First I refinanced my first home and Now Wes and his team have helped purchase a new home. Wes even went as far as calling the selling agent to reassure him that we were great candidates. He is always a phone call away and answers all your questions. I can't thank you guys enough for making this purchase happen for my family and I. -Juan Ortiz

Wes Hankins and his team at Vault Financial were always professional. They were there for any questions we had. This refi was the easiest and fastest we have done. We will definitely use them again in the future. We highly recommend Vault Financial for all your real estate needs. They are the best!

Rick was an absolute pleasure to work with. Being a first time home buyer was extremely stressful but Rick was extremely patient and walked me through every single detail until I felt confident in what I was doing. We looked around for different lenders and I have to Rick was our number one choice because of his customer service. I will be recommending Rick forever!

Vault Financial is an exceptional service for all of your real estate needs. Wes and his Team were incredibly friendly, knowledgeable, and professional when we purchased our home and refinanced. I highly recommend using his company!

Wes Hankins with Vault Financial made the home buying process a breeze! Being first time home buyers can be a little scary? but with Wes?s extensive knowledge and background in real estate, we felt confident all the way. A big thank you to Wes for getting us in our new home way sooner than we thought possible!

Wes and his team at Vault Financial outperformed all my expectations. I had a deadline that was trying to be met and the team made sure to make that happen. Wes was very professional throughout the whole process. Five stars to Wes and the Vault Financial team.

We would like to take this time to thank you for all you did to make this refinance as seamless as possible. We would highly recommend Wes Hankins to our family and friends for any refinancing needs. Wes provided us with knowledgeable, efficient, friendly and fast service. Working with Wes, Marci and Vault Financial Mortgage was the best refinancing experience we have ever had! Thank you Tom and Lisa

The whole team at Vault is awesome. I get a ton of mail to refinance but I know that Vault Financial is honest, fair, extremely helpful and knowledgeable. They are the only group that I trust to take care of my needs from helping me buy my home to my now third refi. Thank you Wes, Marci, and Tina. You guys are the best!

Vault Financial is an amazing company to work with! Wes Hankins is very knowledgeable and makes every transaction very easy, along with his amazing team. If you ever are looking for a lender contact Vault!

As first-time homebuyers, my husband and I were extremely hesitant when it came to the biggest purchase of our life so far. With so many questions and uncertainties we felt it would take us forever to put renting behind us. Thankfully with the help of Wes and his staff, the process was so easy it left us wondering why we didn't make the jump sooner. Vault Financial was there for us throughout the entire process and answered every question and concern we had, leaving us feeling 100% reassured that we were ma

I believe this will be our 3rd, (or 4th?) loan we processed with Vault Financial, and Wes Hankins and his amazing team, Marci & Vickey! We are exceptionally pleased and happy with the whole loan process from start to finish, and must say the communication was great from Vault! Everything was very clearly explained to us as we proceeded through every aspect of processing our loan and if ever we had a question, Wes or one of his team was very responsive in addressing our questions? Having used Vault in the p

Second time using Vault Financial. Both times everything was done far better than my expectations. I don't refer very many companies or People because I don't trust them however I will refer Wes and there team at Vault to anyone looking to refi or get a new home loan. Wes - Thank you for the great experience again.

Wes is wealth of knowledge and he went the extra mile to make sure we had the best rate for our Refi. Working with Vault Financial and Wes was like working with a trusted friend. Wes, Marci & Tina all made the experience seamless and pleasant. You won't find a Broker who knows more or who cares more.

Wes and his team are Great! Wes is professional, honest, upfront, does what he says, keeps everyone informed every step of the way and when he says he can close in 21 days he does it!! Definitely be working with him again! Thanks again Wes!!

I just closed a cash out refi with Wes and the rest of the Vault Financial - Mortgage Services team. I cannot speak highly enough of their customer service and the value they provide. I have done 1 new home purchase, a HELOC, and 2 refinances under the guidance and expertise of Wes. He truly has my family and my best interest at hand. Purchasing a home, refinancing, and taking out a 2nd can be extremely confusing and stressful. Wes is super down to earth and breaks down all the financial lingo into underst

It's a shame I can only give 5 stars because they deserve so many more! Wes and his team were amazing to work with throughout both our home buying and selling process. They were on top of everything and made what could have been a very stressful situation feel seamless. They were all extremely knowledgeable and were always available at a moment's notice to explain in depth any questions that came up along the way. Buying or selling a home is such a huge moment that happens once or twice in a lifetime, and a