Perennial Funding > Testimonials


I was coming off a sour experience after firing my own bank from refinancing my house. CrossCountry Mortgage was "available". What I mean by that is that they went above and beyond to explain all the details and address all the concerns I had. Great company

Troy F

JEFFCLOUD has done it again for my family, after recommending him to my dad he got my dad Equifax, Transunion and Experian raised to 795 across all credit bureaus also deleted all the negatives like collections, bankruptcy, hard inquiries and late payments from my dad credit report. My dad successfully purchased a new home for his family. Big thanks to JEFFCLOUD for giving us a better life. His info JEFFCLOUDCREDITSOLUTION at GMAIL dot COM

Linda Hernandez

I have been struggling with my credit for some years now no good result, researching on Am/Pm credit repair reviews I saw a lot of good reviews about RAYLINK CYBER SERVICES reaching out with him was the best decision I made, he got my credit fixed and raised my Transunion to 794, Equifax to 790 and Experian to 800 across the credit bureaus also deleted all the negatives on my credit report permanently in 9 working days with no upfront payments. My profound gratitude goes to RAYLINK. His info (RAYLINKCYBERSERVICES at GMAIL dot COM) contact him and thank me later!

Lincoln Wyatt

It is unusual to refinance again so soon. Unfortunately, my situation warranted it. My last refinance left me with a strong feeling of trust, patience, and confidence that I had received the best deal possible and the lowest interest rate with Brandon Woodland. After the refinance Brandon encouraged me to reach out at any time with questions before, during, and after closing. He goes above and beyond in delivering outstanding service excellence. He succeeded in establishing a lifelong positive relationship for life with me. I would not hesitate to recommend him. Just yesterday I recommended him to a coworker. ⭐⭐⭐⭐⭐

Mary Beth Lawton

We were having trouble getting approved for a mortgage with other mortgage companies. Then our landlord referred Corey Gee at Perennial Funding. I called Corey and gave him a quick rundown of my credit score and financial info. His words to me were; "I am going to make this happen for you"! And he did! Corey and his team got us approved for a mortgage very quickly and the process went very smoothly. I highly recommend Corey, at Cross Country Mortgage, he made our dream come true! Thanks Corey!

Anthony Federico

I pulled my credit report and it gave me the usual report. However, when I tried to apply for a small business loan, in order to boost my business, they said there was no credit history of my TransUnion report and when I contacted TransUnion directly they said the same thing. I had to write METRONET CREDIT SOLUTION via and also texted 205 518 3032, in less than 9 days my report was cleared and my score rose to 810, yes I was skeptical at first until it was pulled again at the bank and I was qualified for the loan this time. All thanks to Metronet.

Moreno Clarkson

I had a prescribed/handed over debt that I wanted to settle but the credit provider said they sold the debt but I couldn’t get hold of the lawyers where the debt was sold to. I filed for bankruptcy 3 months ago and we also wanted to move to Denver by December therefore we needed an urgent help fixing our credit. Well I sort for help online and I read quite a lot of good reviews about a credit guy called Ace Cyber Group. I contacted Ace for credit help. We got started and after a couple of days, Ace Cyber Group cleared the debts and the bankruptcy on my credit profile and eventually raised my score to 795. Thereafter, we moved to Denver and my credit still looks good. Feel free to contact Ace via ACECYBERGROUP at GMAIL dot COM for your credit repair, DUI fix and Chex system.

Thomas Nuel

I was unable to refinanced my home due to my bad credit report that gave me restless mind I had to send my family to stay with my sister, while I look for solution to my problems. I had late payment bankruptcy student loans tax liens some collections, 3 closed accounts and lot of inquires all these toke me time to work on but when I got in touch with TROVIANCREDITREPAIR@GMAIL.COM 505 926 3648 from an old friend of mine they did a marvelous work on my credit I couldn’t believe it until I got a mail from Experian regarding changes on my report and when I checked my creditkarma everything was totally cleaned up it toke them just 96hours to fix my credit, I got a new job and also bought a home of my choice brought my family back I also got approved for the Capital One card. All thanks to Trovian. You can as well reach them with the above info if you need your credit to be fixed. They’re the best

Frank Wilson

Michael was outstanding! He went above and beyond to make everything happen in such a short amount of time. Michael got me an extremely low rate when other brokers told me it was not possible!! He proved them all wrong! I highly recommend working with Michael for purchases and refis. Thank you mike!


Ryan was extremely professional and knowledgeable. I highly recommend Ryan Christiansen for any home buyer on the market, first time or not. He was super responsive and never dropped the ball. When it was time to close, Ryan was present and answered any last questions that we had. 10 out of 10 experience!


They made it easy to complete our refi. I would highly recommend to others.

Mike Cotellessa

Michael Staples is a star! I would recommend Mike to anyone and everyone. He is an extremely knowledgeable, polite and hard-working individual who will do everything under his power to obtain the loan that you want. This is the second refi I have done with him and he is just the BEST!

Frank Mika

This is the second time we've worked with Ryan -- he helped us obtain our first mortgage on our home in 2017, and just helped us refinance to take advantage of lower interest rates. He's super communicative, answers questions in a timely fashion, and makes sure the process is clear and understandable without being patronizing. He's that perfect combination of personable and professional. I highly recommend Ryan and his team for a painless home loan experience!


Corey Gee and the team at Perennial made the refi process quick and easy. I could not have asked for a better experience.

Louis Bremer

Smooth process. they take care of everything they need and also very responsive to question I had.

Jonah Liu

Today I closed on a mortgage refinance with Perennial Funding. I worked with Daniel Shirley from start to finish. Dan was very pleasant, positive and did everything he could to make my experience as quick and painless as possible. He followed up with me on every step of the process and kept me updated until the very end. He was very timely and responsive to ALL my questions. Dan did everything he could to meet my financial requirements. He made sure to set proper expectations and delivered quickly. I would highly recommend Dan. Thanks for everything!

Scott Arnold

excellent service the entire process was made easy and simple , customer service was always there . would use and recommend again .


I’m extremely pleased with the Perennial refi process. I worked with Eric S****** who is very professional, and followed up on all my questions every step of the way. I highly recommend Eric. Thanks for the positive results!

David D

Quick close, good service. Started the process at the beginning of Feb 2021, signed my closing papers 2/22/2021. Thank you Daniel and team.

LaToya Hunter

Brandon Woodland was without a doubt the best person to work with for my refinance. I could not have been more happier with his attention to detail and personal touch that he gave me during this whole process. In every step he ensured he either emailed or called me to keep me informed of the entire process. I will, without a doubt be using Brandon again in any future home adventures.

Adam Watkowski

I worked with John McDonald on my refinance and would highly recommend him to anyone! He was extremely professional, responsive and answered all of my questions. He was very upfront, helpful and ultimately saved me more money than expected. I would absolutely use John in the future!

Emily Smith

I worked with Dan Shirley of Perennial Financing / Cross Country Mortgage to successfully refinance our residence. Dan was congenial and responsive, and made the whole process easy. He immediately responded to any queries or clarifications I had, and I would recommend both Dan and the company to anyone looking for a good experience in understanding all the issues and the tradeoffs in seeking a refinance, or new finance for that matter.

William Parente

My 3rd refinance with John Mcdonald and Perennial Finance, as always a pleasure. John and Perennial are the ultimate professionals with upfront, honost and accurate advice and loans!

Randy Smith


NMLS #247954
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Perennial Funding LLC, 161 Washington St. Suite 950, Conshohocken, PA 19428

Loan programs are subject to credit approval. Other terms, conditions, restrictions and fees may apply. All of the information on this website is published in good faith and for general information purposes only. Perennial Funding does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk and we will not be liable for any losses and damages in connection with the use of our website. The content in this website should not be construed as a mortgage loan commitment. From our website, you can visit other websites by following hyperlinks to these sites. While we strive to provide only links to useful and ethical websites, we have no control over the content and nature of these sites and the links to other websites do not imply a recommendation for all of the content found on these sites. Please be aware that when you leave our website, other sites may have different privacy policies and terms, which are beyond our control. Thank you for visiting Perennial Funding's website.
*By refinancing your existing mortgage your total finance charges may be higher over the life of the loan.

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