Financial Documentation for Mortgages

Tom Scimeca

21:19 25 Apr 22

We enjoyed working with the staff at Grandview Lending. They were very thorough and very responsive to all of our questions. Their rates were very competitive when we compared them to other sources. Our family has used them twice for a ReFi and recently for a mortgage on a new home We definitely would recommend that you consider them when looking for a mortgage.read more

Karen Jones

17:20 31 Mar 22

My experience with Grandview Lending was amazing. My agents were Timothy Ayers and Jennifer Sampson who we had worked with before for buying and refinancing our home. They both were patient, helpful, detailed while going through the process. They called everyday for updates and was professional. He had a way to calm me through the process. I would definitely recommend this lender to friends and family.read more

Allison Sylvester

01:43 19 Mar 22

Absolutely amazing working with this team. The sellers wanted the house to possibly close in the span of 2 weeks which I thought would be impossible l, but Michael Farrell took on the task and completed it in the time span and even had time to show up to closing and bought us the cutest sign to hang up for our home. Highly recommend!read more

Paula G

19:27 02 Feb 22

Thank you does not seem like enough. My circumstances were difficult, some might say Herculean. A refinance was my saving grace. Others turned me down without even trying. Not so with Grandview. I was blessed to work with Timothy Egan, the experience was amazing. I remember the first thing he asked me was to tell him what was going on, what did I need. Very refreshing. We had a Plan A in place and when that fell through, Timothy Egan did not miss a beat but quickly pivoted to Plan B and I’m happy and I’m thankful to say that we were able to close a couple of days ago. Everyone’s circumstances, finances, etc. are different. Life is not a one size fits all. It makes a difference when someone is willing to at least try. And try Timothy Egan did. He went above and beyond, had patience, sage advice and words of encouragement. He didn’t sugar coat the difficulty of my particular situation, but he did say he would do his best. And that he did. Timothy Egan guided me through this very daunting process and I will be forever grateful. I highly recommend Grandview Lending, and I know from my experience, you can’t go wrong with Timothy Egan. I have already referred a couple of friends to him and if the need should ever arise, Grandview is the only mortgage lender for me! Thank you to Timothy Egan, Pam Gaither and Grandview Lending, as a whole. Also Anne and John at closing. Thank you so very much for your diligence in all you do.read more

Linda Gayman

10:42 22 Jan 22

Hillary and Leslie were extremely helpful and kind in the process. We were first time home buyers and it was a process to say the least. Working with these two ladies made it so much easier. They were there at every step helping and guiding us through this. I don't k ow what we would have done without them. Thank you again Grandview for everything.read more

MrDaboy21

04:59 29 Dec 21

Where do I begin, my experience with Grandview Lending was AMAZING!!!! The home buying process is just that, a process. And the wonderful people at Grandview Lending we’re truly a Godsend. They made this journey as stress free, as one could ever make it. They were professional, attentive, very knowledgeable, thorough, and very relatable. I felt like they were family, instead of just a professional relationship. Everything, I could ever want out of a lender; the professionals at Grandview Lending vastly exceeded all of our expectations!!! I would recommend them one thousand percent!!! In fact I’ve already referred them to a few friends. I know if and when I ever need to use a lender again, Grandview Lending will be my one and only choice…. Thank you, thank you, and thank you again for everything you’ve done for me and my family!read more

Jody Curl

18:57 06 Dec 21

I had a good experience with the Grandview team, they are all amazing. They all go above and beyond for each and every person. I recommend them to everyone that is looking for a great team to work with. Thank You all so very much for everything you all did for me.read more

alot ofpictures

21:08 19 Sep 21

Kim went above and beyond to get our family the best rate she could!She kept in constant communication and made the entire process very simple and stress free. We would use recommend to anyone to give Grandview Lending your business. We did and will again.read more

Antwain Brown

16:48 18 Sep 21

Love work with this group of people. Everyone from Kimberly to Greg to Jessica was awesome. I feel like they are family. This group would go to bat for you. Thanks crew.read more

snaries1976

02:48 18 Sep 21

This is the second time I have used Kimberly Irving for the refinancing of my home and she has been extraordinary! She and her assistant Glenn Hubbard walked me through every step and made sure I understood everything that was going on. The process was fast and very efficient. If I had any questions Kimberly and her team were jolly on the spot. They were very knowledgeable and professional! I highly recommend Kimberly Irving at Grandview Lending. Her service is five star.read more

Libby Werkley

19:20 17 Sep 21

Excellent service and super helpful staff and lenders. They did not stop until we were in the home that we wanted to be in! Cannot recommend them more!!read more

Lisa Goldstein

17:16 17 Sep 21

Its such a pleasure to work with Kim Irving and Lesley Howard. They been so helpful through the beginning till the end. I would highly recommend anyone the needs to refinance or just to purchase a new home....Go to Grandview Lending! They will walk you through the whole process step by step and make sure you have a clear understanding. For that I'm truly grateful.Thank you,Ms Lisaread more

Shanay Lasley

14:51 17 Sep 21

Kimberly Irving is the absolute best at what she does! I will continue to refer friends and family to her because of how professional she is. She made my home buying experience less stressful.Kimberly is knowledgeable and timely. Her in depth finance and real estate experience is impeccable. Grandview is lucky to have her on their team and I’m even luckier to have her on mine! Thanks Kim for all you do!!read more

Ronald Walker

23:07 16 Sep 21

What an Awesome Experience!!The process of refinancing my home was made so easy by Kimberly Irving and her team!! There was at no time during the process that I wasn't kept informed of what was going on. From the first call of inquiry to the closing and beyond, Kimberly was prompt, knowledge and professional with our correspondence. Thank You Kimberly Irving, Staff and Grandview Lending for everything!!I will definitely look to you for future real estate endeavors!!read more

Tammy Ramsey

18:55 15 Sep 21

We have trusted Tracy Harding/Grandview Lending on multiple transactions and have always had great experiences. Simply put, Tracy Harding knows what’s she’s doing! Tracy and her team are extremely knowledgeable, dedicated, detailed and friendly! Tracy always finds us the best deals and offers suggestions and solutions to get the best outcome. We recently purchased a new home and the work/tools Tracy provided were the tipping factor that pushed our offer above the rest (sellers told us this at closing). We will continue to trust Tracy Harding with all our future mortgage and refinancing needs!read more

Amy O'Brien

17:34 15 Sep 21

Tracy and her Team are the absolute BEST!! Tracy was available 24/7 to answer all of our questions. She listened to our needs and helped us make the best decisions for our family when it came to loan options and interest rates in today's market. She worked hand-in-hand with the agents on both sides and kept everyone up-to-date with the loan process. Tracy got us the Clear to Close in 3 weeks!! Thank you, Tracy and Team, for all you did to help our family!read more

Nicholas Edwards

21:36 02 Sep 21

My experience with Tim Egan at Grandview Lending was phenomenal. As a first time home buyer, I had many questions and concerns about the home buying process. Tim thoroughly and patiently answered all of my inquiries and made me feel that I was in good hands. I could not have felt more confident that I had someone on my side looking out for my interests. I highly recommend Tim and Grandview Lending to anyone looking for a home or in need of lending services.read more

K. Sullivan

19:28 30 Aug 21

I had a great experience working with the office. They promptly got all of my documents ready for signing for a quick turn around on closing. Everyone was easily accessible and easy to work with. Made for a much less stressful experience which is often not the case. Thxread more

Natalie Galaviz

18:46 25 Aug 21

Working with Michael, Faye and the rest of his team made this experience as a first time home buyer the least stressful part. Michael and the team were great at communication, fast turn around time, but most importantly explaining and answering any questions I had about such an important piece to the home buying process. I would HIGHLY recommend anyone looking for a mortgage to work with the Grandview Lending team!read more

Jeff Cole

00:41 24 Aug 21

I will never again use the big mortgage companies. Tracy Harding and the team at Grandview can do what no one else can do, and make you feel good about it while they do it. Whether you just want a lender with a personal touch that sees you as a person instead of just another loan, or you have a challenging situation that scares the big banks away, Grandview can deliver. It took Tracy less than 6 hours to do what others couldn't figure out for several weeks. Not only did Grandview come through with the best interest rate, but they managed to work it all out to close on our new home in just three weeks. She was responsive and accessible any time of the day, and Jennifer and Lindsey provided great support to make sure that all of our questions were answered, all of our concerns addressed, and all of our anxietys calmed. You can try the other big mortgage lenders first, then call Grandview when they don't seem to come through for you. Or you could just cut to the chase and go straight to the best first. I'll never waste time with the others again.read more

L Mazique

18:48 23 Aug 21

Tracy and her team Lindsey and Kiley were great to work with. They made the process efficient, easy, and effortless. I would highly recommend Tracy and the Grandview Lending team for your home mortgage needs.read more

Robert Leitner

13:50 05 Aug 21

Grandview lending specifically Tracy and her team Kiley and Lindsey have been my go to team for over 12 years and let me tell you when I say they are the best, I mean they are by far the best. They get everything you need done in the speed of light compared to others and they treat you like family. I look forward to their calls and emails cause they are so friendly but also very professional. I will never use anyone else for my financial needs not only because they are so great but they also get you the very best rates the market offers and are all about how to save you money. I can’t say enough great things about this company, Tracy and her team. They truly are just amazing so give them a try and thank me later.read more

Natasha Claytor

13:37 19 Jul 21

I recently went through Grandview Lending for my 1st home purchase. From the beginning of the process, Tim Egan explained explained everything to me from start to finish. He worked with me on items I may or may not have needed to take care of to be approved. Through the Covid19 pandemic, it took me almost a year to find my home and Tim was right there with me. He was professional and most of all patient. I would recommend them to anyone for their home buying needs.read more

Edward Hayden

14:49 28 May 21

Grandview Lending did our refinance on our mortgage and saved us $200 a month. This is the second time we have used them for our financing and they have been fantastic!! They kept us informed every step of the way and made things as easy as a mortgage can go. We highly recommend using them for your mortgage services. Thank you so much for your professionalism Tracy, Lindsey, and Jennifer and anyone else behind the scenes.read more

Erikka Smith

22:40 01 Apr 21

This team gives meaning to the phrase Girl Power! They go above and beyond to make sure everything runs smoothly and communicate every step of the way. I used them for both my original finance and my refinance. Highly recommend!!read more

Logan Vaughn

22:45 30 Mar 21

Fantastic experience working with Kylie, Lindsey and Tracy with our refinance. They made everything happen so easily and the communication was terrific. I would definitely recommend them to others. Awesome rate and customer service!read more

Nathan Schenkel

16:57 16 Mar 21

Fantastic experience working with Time Ayers at Grandview Lending for the 2nd time! Tim conducts himself with the highest level of integrity and truly listens to your financial needs and concerns. We were able to lock in to a mortgage re-finance well over a point lower than our prior rate, as well as eliminate student loan debt and reduce 5 years off our mortgage. Was a quick and easy process through Grandview. Highly recommend these folks!read more

Monish Passey

20:32 24 Feb 21

I have worked with lot of mortgage brokers for my new mortgage and refinance needs, but dealing with Mike Farrell and Faye Fitzgerald at Grandview Lending is impeccable. They made the whole process so smooth and efficient that I was able to close on the refi in 15 days (right from first phone call to closing). They really amazed me. I have never seen such a hassle free process in any of the dealings I had so far. I had rate options from other lenders and mortgage brokers as well, but nothing could beat what Mike provided. In mortgage business time is the essence and with Mike's amazing support and education about the whole process, I was able to secure a great mortgage rate. Faye on the other hand made the whole loan process so smooth and kept me updated during the whole closing process.I will rate this company 5 stars for Quality, Efficiency, service and obviously the mortgage rate. Look no further beyond this company, you will not be disappointed.read more

Robyn Breece

18:36 22 Jan 21

Tracy and her team are THE BEST! I not only had Tracy help with buying my personal home, I refer her to all of my clients! Her pricing is tough to beat and customer service is second to none. Thank you Tracy, Lindsey and the entire Grandview team!read more

Robin Brenner

19:50 21 Jan 21

We refinanced our home in 2020 with Grandview. This was our second time using Tim Egan and his processor Pam. They went above and beyond to take care of our needs and make it as painless as possible. Including traveling to my place of work to pick up paperwork to keep the process moving. I highly recommend using Tim and we will go back again if we have any other financing needs.read more

Angela Jones

16:30 21 Jan 21

We had a great experience with Grandview Lending. Tim Egan did an amazing job getting us financed for our home. We will continue to recommend them to our friends and family.read more

Brian Wilson

15:54 21 Jan 21

I used Tim Egan to process our refinance about a year ago. Tim worked hard to get us the very best loan, and made our needs a priority every step of the way. He is both honest and sincere, listening to his clients' thoughts and idea. Together with his loan processor, Pam, our needs were met every way possible.read more

Rebecca

15:50 15 Jan 21

This business is amazing! The people who work there have been absolutely the utmost professionals without losing the personal touch. I can't begin to express what a great team they are and I will always be thankful for them.read more

Nazirah Abdul

15:35 07 Jan 21

We had Tracy and her team (Lindsey and Jennifer) helping us both during the purchased or our Indy home and again when we refinanced it years after. The team were very supportive in expediting and completing the whole process and they responded to all our requests and inquiries so quickly. The team did a great work and made the whole process so much easier on our side.read more

David Boyer

06:40 07 Jan 21

Great & easy to work with. Closed our loan very fast! Better rate and way faster closing process compared to bank I’ve worked with for years. Highly recommended!!!!read more

Clair and Kimberly Staley

19:49 22 Nov 20

We had a great experience with Grandview Lending. Tim Ayers and Pam Gaither took excellent care of us. Have already referred our son to Tim for a mortgage and look forward to working with the good folks at Grandview in the future. :)read more

Hubert Hibbler

14:31 11 Oct 20

Mr. Timothy Egan spent great time working with me to find a product to help me with my renovation needs. His efforts resulted in me achieving the funds required. I greatly appreciated his efforts.read more

A Carroll

10:09 30 Sep 20

Tracy, Laura and their team are wonderful! They made this a great experience. We were able to get the house we wanted. It's perfect, we love it! Thanks Tracy and Laura for making this happen. We are telling everyone we know to contact Tracy before starting their home buying process. She came highly recommended to us and we are so happy we contacted her.read more

Thea Campbell

21:23 29 Sep 20

Grandview Lending has a great team that is extremely competent and responsive! We moved from out of state and most local lenders did not want the hassle of a long distance relationship. Grandview Lending jumped right in, answered all of our questions, got us a GREAT loan and even helped us weeks after closing when I needed that first payment information! Lots can get lost in a cross country move! I would highly recommend Tracy Harding and her team We couldn't be happier in our new home with our new low interest rate loan!read more

Charles .Baker

19:16 23 Sep 20

Kimberly Irving helped make my first home buying experience thoroughly enjoyable! I was provided quick turnaround time and reliable communication that made the customer service stand out from other businesses i’ve tried. I highly recommend to anyone looking for broker/loan services.read more

Real Estate Investments Ventures LLC

16:52 23 Sep 20

Kimberly Irving and the team at Grandview Lending, Inc are an absolute pleasure to work with. They are very attentive to the needs of our co-clients and bring a high level of professionalism. Whether you are a first time home buyer, experienced buyer or military veteran; I recommend utilizing their services for your next home loan or refinance.read more

Tamara Elliott

12:26 23 Sep 20

I had a great experience working with Kimberly and her team Lesley. They were very efficient and kept me updated every step of the way. Kimberly knew exactly what I wanted and didn’t stop until she met my needs. I would definitely refer them to friends and family. Thanks ladies for making my transition into my new home as easy as possible.read more

simon sefton

10:47 23 Sep 20

Kim and Lesley are amazing. Totally professional, very responsive and detail focused. Nothing was too much trouble. Smooth process from start to finish. I highly recommend.read more

Sue Dupuis

16:25 22 Sep 20

We have worked with Kimberly Irving and Grandview in the past and were happy to do so once again for a recent refinancing of our home. Kimberly handled the details of our refi with care and expertise, and we feel confident that she was able to secure the best terms for us. We appreciate her professionalism and extensive experience; her wonderful and outgoing nature made it a pleasure to work with her. We are happy to highly recommend Kimberly Irving and the Grandview Lending.read more

Job Wise

14:14 22 Sep 20

Worked with Tim Egan and his team at Grandview to complete a refinance earlier this year. He was very responsive and helpful through the whole process. I feel he had my best interest in mind and helped get me into the right process for what I was looking for. Even with the lockdown going on, it was a smooth process working with Tim. Would recommend working with Tim if you're in the market.read more

Marcus Shutta

10:38 19 Sep 20

Top notch service! I’ve done two refis with Grandview - they are efficient, knowledgeable, and bring a dash of joy to an otherwise mundane experience of borrowing/lending. Highly recommend, you won’t be disappointed!read more

Nick Barker

01:32 19 Sep 20

Kameron, Jessica, and Lesley were fantastic to work with. They were all very patient with us and all of our questions were answered very quickly. Thank you for a smooth transaction during a very busy time in our lives!read more

Don Murphy

01:03 19 Sep 20

Great experience and very professional!!! I would highly recommend Grandview Lending. Tim Egan was great to work with. Outstanding !read more

becky bogue

16:26 18 Sep 20

Tim Egan was great to work with. He helped me refinance my home. I have recommended him to my friends. He also helped my daughter get her first home. Definitely a 5 Star rating.read more

Ivy Caito

15:22 18 Sep 20

LOVE the team at Grand View Lending! We are repeat customers and couldn't be happier with our new low rate. We had many questions, and Tim Egan answered them all with care! We appreciated Tim's great patience as he guided us through the whole loan process. Highly recommend!!read more

Joyce Kramer

23:44 13 Sep 20

My husband and I feel Kameron and Jessica with Grandview lending went over and above to satisfy our needs with selling and buying property at the same closing. We have previously used Grandview lending and will continue to recommend and use Grandview Lending in the future.read more

Jason LaPointe

16:31 11 Sep 20

Kameron and Team are AWESOME! Nothing ever goes as smoothly as you hope, but Grandview knows their stuff and can navigate even the trickiest of situations! Great job, Team!read more

Jared Solow

13:46 22 Aug 20

The Team at Grandview Lending were amazing to work with. Thanks to Kameron, Jess and Lesley, the refinance process was smooth and easy. Communication and responsiveness were top notch. I'd highly recommend Grandview Lending!read more

Tony Guisinger

14:26 07 Aug 20

Excellent experience with Mike and the team at Grandview Lending. I was presented with many options and the entire process was painless. Once I provided the necessary info, the Grandview team took it from there. I appreciated the timely communication, and I had all the confidence that they would meet our quick timeline for getting to closing. I highly recommend Grandview Lending and they will certainly make you feel like a valued customer, and not just a number.read more

David Hughes

13:43 07 Aug 20

I've worked with Grandview for several years now. I've used them for three different house purchases over a 10 year period and they are a pleasure to do business with. Mike is so knowledgeable and accessible. They will get the job done for you! Thanks Mike and Grandview for all you've done for us!read more

Natalie Martinez

01:13 07 Jul 20

My experience with Grandview was GREAT. MICHAEL,FAYE, & HILLARY were there for me during this process. Every time I had a question they would have an answer for me.The turnaround once we began working together was very fast and the price I inquired about was met.Thanks for all the HELP.read more

Kitty O'Doherty

20:41 15 Jun 20

Thank you again, Kameron and Jessica at Grandview Lending, for all of the help and guidance you provided so that we could refinance our home while rates were optimal. We had a lot of questions, but all were answered immediately and completely to our satisfaction. With your help, we are now able to enjoy a considerable savings over our previous loan terms. To anyone reading this, Kameron Struble is the best -he has years of experience, and is extremely trustworthy - helping me first as a single woman purchasing a home. He has been my go-to person and I do not hesitate to recommend his services.read more

Garret Daniel Photography

16:51 18 May 20

Tracey and her team were amazing to work with. Tracey helped my wife and I get our credit score where it needed to be in order to get a good rate in the matter of minutes. She showed us a few tips on how to improve our credit and almost instantly it went up. We couldn’t have asked for a better person to have worked with!read more

kathy megazzi

19:46 12 May 20

We had the best refinancing experience EVER! Kameron, Lindsey, and Lesley made the process so easy and painless. If we ever do this again they will be the first team we contact. Thank you for making it an enjoyable experience.read more

Ryan Mack

18:42 12 May 20

We are up to three times now that my family has used Grandview Lending for our mortgage needs, this time for a refinance. We were once again extremely satisfied with their outstanding customer service and quality work. Mike and Faye are amazing and always available for any questions that we may have along the way. We will definitely use them for all of our future financial needs and have recommended our family and friends to them as well.read more

Kole Lowery

16:15 05 May 20

Kameron and Lesley were fantastic to work with during my loan process. They keep you up to date on each step and leave no guessing to what stage or part of the process you are on. I would highly recommend this team on your new mortgage or refinance. Thanks again for everything!read more

Paulo Bragoni

14:46 09 Apr 20

After checking the online reviews, I decided to contact Grandview Lending instead of the big banks, and couldn't be happier about my choice. I contact Michael first and he took time to explain all the different types or mortgages and clarified a lot of questions I had. Faye did an excellent job on keeping me updated throughout the process. We were ready to close a couple of weeks before anticipated. Great customer service. Good job guys!read more

Cherice Dodd

11:38 04 Apr 20

I had a great experience working with Kimberly and her team Hillary and Lesley. They were very efficient and kept me updated along the way. I would definitely refer them to friends and family. Thanks ladies for making my transition into my new home as easy as possible.read more

Keesha Pollard

00:04 04 Apr 20

Working with Tracy and Grandview Lending made what I thought was going to be a tedious task super easy! The team is very professional, well informed, and efficient! My fiance' and I felt cared for and in good hands throughout the whole process. This was our second experience with them and we'd use them again and again!read more

Will Taylor

16:31 01 Apr 20

Had the best refinancing loan experience. Kimberly, Lesley, and, Hillary worked extremely hard to ensure everything went smoothly and fast.Grandview Lending prove they want and appreciate your business. Will definitely bring my future business needs to them. Thanks so much for a great experience.read more

Amadou Bocoum

15:06 20 Mar 20

Outstanding mortgage company to work with, it was a pleasant experience to buy a house trough them. The process was smooth, easy all the way through. Tim Eagan, is a very professional and an outstanding Loan officer, he explains up front what to expect, and get you the best rate possible on the market. I will recommend Grandview Lending, Inc to anyone thinking about buying house.read more

Joe Ottaviano

13:07 17 Mar 20

Kameron, Lindsey and Lesley at Grandview Lending were incredible to work with. They were fast, responsive, anticipated my needs and extremely knowledgeable. I used them for my second home purchase and they far surpassed the lender I used the first time around (who left me guessing throughout the entire process). I see no reason to go anywhere but them for my future lending needs.read more

Monica McCabe

21:10 11 Mar 20

We worked with Tracy, Laura, and Lindsey, and had the BEST experience! They were so kind and helpful and made the process so easy. I probably asked a million and one questions and they answered every one quickly and happily. I really cannot say enough about them, we are so happy and lucky we found them!read more

John Leppert, Jr.

22:40 07 Feb 20

Thank you Grandview team for all the wonderful work you do. You make the process so easy and fast!

Brandt Nukala

20:26 22 Jan 20

Tracy made the loan process simple and flawless. Closed on my loan in 3 1/2 weeks after a number of other lenders flat turned us down. Highly recommend!!read more

Margaret Hastings

19:23 20 Jan 20

My experience with Grandview Lending was superb! Communication from start to finish was excellent. Would recommend Grandview for any purchase or refinance transaction you may be considering. Tracy, Laura and Lindsey are fantastic to work with!read more

Sara Grippaudo

16:28 02 Jan 20

Tracy and her team, Lindsey and Laura were phenomenal! I highly recommend them to anyone! Tracy was very personable and open/ honest about the entire process. She let me know the interest rates every day and how they were changing so we knew best when to finalize. She was a wealth of information and really helped us choose a loan that made the most sense for our situation. I was a very needy buyer, I had questions all the time, and her team was readily available and happy to help me every time I reached out! We had a VERY SHORT closing period, and it all got done on time!read more

Trey McCorkle

20:37 25 Nov 19

Excellent service all around. Tracy/Laura/Lindsey were all extremely helpful in purchasing our first home. I would highly recommend!!!read more

Tamela Hunt

19:14 25 Nov 19

I have worked with Kameron for years! Not only has he secured home loans for me but he keeps up on mortgage rates and tells me when it’s time to refinance. He also tells me to sit put and wait. He has taught me so much about rates, what is important in a credit score and what credit bureaus look for. His team of people is surpass everyone else! You won’t go wrong with Kameron! Amazing experiences, every single time❤️read more

Niveda Pinner

14:37 25 Nov 19

Tim was a God sent and helped me close and quickly down to the very last day!! I would recommend Grandview Lending to anyone!! Me and my children have our own now thanks to them 😁read more

Scott Kays

19:22 23 Oct 19

I really enjoyed working with Tim Ayers and Laura Wessel. They were both very knowledgeable and worked diligently throughout the whole process. We hit several snags on the lender's end of things, but Tim and Laura were able to adapt very well and make it happen.I presented them both with a fairly challenging situation as I was processing two mortgages simultaneously. Furthermore, both of these mortgages were being handled according to the delayed financing exception within the category of cash-out refinances. If you know anything about this type of mortgage, you know that it has lots of restrictions and requires a significant amount of paperwork.But, Tim and Laura rose to the occasion. Communication was timely and efficient. I rarely had to wait for a call back from Tim as he was virtually always available whenever I would call. And, Laura worked very hard behind the scenes to overcome the specific set of challenges that are inherent to these types of mortgages.I was in good hands the whole way. I'll be doing more business with Grandview in the future and would highly recommend their team to anyone else who might be looking for a competent, ethical, and attentive broker.read more

Rachael Wallace

22:23 17 Oct 19

Thank you Kameron, Lindsay and Laura! You guys are awesome! We love our new house! Thank you guys for all of your amazing work, we appreciate it!read more

Kathy Duffin

14:05 30 Sep 19

Grandview Lending was an absolute joy to work with! Kameron & Lindsey made everything so simple and our whole process of buying a home was a fun experience. Please don’t go to any other lending companies before you check out Grandview Lending. It is the only company that you need to use.read more

Phil Whitener

16:46 05 Sep 19

We were very pleased with Tim Egan's work on the mortgage for our new home purchase. We would recommend his services to anyone in the market to buy or refinance. He spend a lot of time explaining the process and answering our questions and that led to no surprises along the way. He was first to contact us as things moved along and had everything ready well before it was needed, he went above and beyond while keeping in contact will the real estate agents and title company to make sure everything hit right on schedule.read more

Sherri Jackson

15:44 26 Aug 19

It was a pleasure working with Grandview Lending, especially my Loan Officer, Tim Ayers. I originally reached out to him in April 2018 regarding our desire to move into a new home. He gave me some homework assignments, which I completed. When I called him back in April 2019, I was pleasantly surprised that not only were we able to get pre-approved for our dream home, that there was no contingency to sell our current home. Tim seemed like family by the time this process was over. I appreciated his honestly and excellent customer service. I smile just hearing his voice and couldn't wait to meet him in person at closing. Thanks for taking such good care of us Tim.read more

Mark Fryfield

14:22 16 Aug 19

Very pleased with the service provided by Tim and his team at Grandview Lending. Frequent, automatic emails showing where your application is all along the process. If there's an issue, Tim is right on top of it and contacts you to resolve anything that may hinder the process. Highly recommended!read more

Nate Torvik

01:47 30 Jul 19

I hope that they get this, but working with Lindsey, Lesley, and Kameron was truly a pleasure. Could not have asked for a better group to help us work through our trials and tribulations as we made our way through this entire buying/selling process. Thank you to those three whom I worked with most frequently and the entire Grandview team for creating a culture of communication and customer service that really transcends just working and moves into the space of just being genuinely good people who want to help other people. Thank you!read more

amber nussbaum

16:12 12 Jul 19

Kameron, Laura, and Lindsey at Grandview were attentive to detail, through, and assisted me throughout the entire mortgage process from initiation to post-closing with professionalism yet a personal touch. I appreciate all their work on my family's behalf to help us create our new home.read more

Rigoberto Madrid

19:41 01 Jun 19

I wish I could give more than five stars, Michael Ferrell and his team are awesome.Many thanks for helping me find the best mortgage for buying my first home.read more

Scott Holland

15:51 16 May 19

Great customer service, fast turn times/responses and very knowledgeable. Everyone at Grandview Lending top notch individuals the type you want to associate yourself with. I will recommend Grandview Lending to everyone I know, 5 star all around. Thank you!read more

Almita Cruz-Dilosa

22:27 07 May 19

For this to be our 1st purchase it was such a very smooth transaction, if I ever had to do it again I hope & pray that would be smooth like this was. Great Job everyone that was involved in helping us!Thanks!read more

Kate

05:35 29 Apr 19

Wonderful experience and a pleasure to work with Tim Egan on my home purchase! Tim was very professional and helpful in identifying and explaining various options and helping me find what was right for me. Tim was accessible and responsive and set me up to work with Pamela Gaither to get docs in place for the closing. Pam was also a pleasure to work with - extremely professional, knowledgeable and completely on top of all the documentation required so that the closing went smoothly and without a hitch!! I highly recommend Tim Egan and his team!read more

Jamie P

19:41 22 Apr 19

Tim Egan worked everything out for my loan fast and simple.He answered all my question and was always available. If I called or text he responded immediately. He also helped me find a great Real Estate Agent. Thanks so much Tim! I will be back :)read more

Jesus Hermes Palominos Jimenez

19:55 08 Mar 19

Michael and Faye help us get our mortgage loan, they were always willing to sit down with my wife and I to explain everything related to the process. Amazing Support, excellent customer service, everything on time, constant communication. Amazing experience. We can't thank them enough for all help and support provided! Thank you very much!read more

Rachel Hayden

14:08 02 Mar 19

Tracy and Laura were AMAZING! We went into it with a lot of questions and they were always available and honest with us. They walked us through the process step by step. Tracy had connections to a realtor and insurance agent, so we had a close knit team, which helped with easy communication. Everything went smoothly and very quick...5 weeks from accepted offer to closing! The level of customer service we received was 5 star! We definitely recommend Grandview Lending!read more

dana capossere

20:34 21 Dec 18

The team at Grandview Lending did an awesome job from start to finish. Their communication was outstanding from day one until close. They were very patient and helpful during all phases of the process.read more

Dave Sorensen

18:57 19 Dec 18

Tim Egan was my agent snd walked me through the whole ordeal and made it less stressful! I don't have the best credit but he worked very hard to get me the loan to my home! Outstanding all the way!read more

Nicholas Colgin

20:49 18 Dec 18

I don't even know where to begin in describing Tracy Harding. She is the most loving, caring, and supportive person someone could work with. I was on Active Duty as a combat medic, with 15 months in Afghanistan. Unfortunately toward the end of my deployment, I returned home disabled after an RPG blast. My credit took a hit, I went through a divorce, and so forth. The unfortunate story of a transitioning veteran at times. While I had the VA Home Loan benefit, I was fearful I would never be able to use it. That is until I met Tracy.Initially I was hesitant to reach out to people to initiate the mortgage process. I wasn't confident in my financial background post-Afghanistan, and I was fearful that I would be preyed upon or scammed, which is the unfortunate reality for a disabled veteran at times. That being said, I took a chance and reached out to Tracy, and it's a moment that will forever be life changing. Tracy is a SAINT and a miracle worker!!!!She immediately hopped on the phone and began discussing the process with me, and put to rest any fears I had. She helped me realize my dream of becoming a homeowner could be a reality, and it was easier than it seemed with her in my corner.Everything she said, and promised, she followed through on and it became a reality. She was more than an advocate for me, she was like a mother throughout the process. She had my best interest at every point. She went to bat for me. She made things happen as quick as I could respond to her. I went from thinking I could never use my home loan due to past credit bumps, to pre-qualified for $280K. I closed in less than 30 days, and Tracy was with me every step of the way. She worked with my realtor, the lender, the inspectors, past employers, and so forth. She was willing to jump on the phone at a moments notice and track anything down for me to help me out. She got me money back at every juncture she could. She took time form her personal life to talk to me after hours to keep the process moving forward.It's astonishing how I had been so fearful of this process and lacked confidence, and then Tracy to help me fulfill my dream so easily. I will forever be indebted to Tracy, her passion for her work, and her commitment to those she works with. You won't find someone willing to work as tireless for you as Tracy works for her customers. I am now a few months into my first home, my dream home, and Tracy still reaches out to check in on me. You helped this veteran realize his dream, my only hope is you realize how amazing you are for the miracles you help happen Tracy!!!!FIRST MESSAGE I SENT TRACY:I am a Post 9/11 Veteran with 15 months in Afghanistan. I just moved to Indianapolis and I am looking at what my options are to purchase my first home with a VA Home Loan. The kicker is, my FICO score is 592. I had some documented issues upon returning home, such as unemployment and returning home severely injured. If you google my name, Nicholas Colgin, you can see some of the adversity and the President telling my story and about how I earned a Bronze Star overseas. I worked my way back and I am a 100% service connected disabled veteran. I would love to see what my options are with that FICO score, if any. Email is best for me, since I am at work during the day.read more

asia kerr

16:03 04 Dec 18

Grand view lending did a wonder job during the loan process. Tim Ayers was very nice over the phone and in person, he made the process seamless, along with his processor Laura. Thanks again!read more

Beyond Buttercream

23:30 09 Oct 18

Tracey Harding and her team are amazing. We bought a new home in June. From the initial call after looking at the home (on a weekend) to getting to the closing table, it was handled professionally, thoroughly, with the urgency needed but not never rushed and always with a personal touch. Was pleased with the fees and explanation of the HUD1 and patiently answering endless questions. Cant say enough about this team!read more

Melville Peterson

00:35 04 Oct 18

Tracy Harding and her team at Grandview Lending were not only extremely helpful, but were constantly on top of everything. They were able to complete everything and pull off our closing 3 weeks after our offer was accepted. This type of service is exceptional in this day when customer service seems to always take a back seat to everything else.I would recommend them to anyone without hesitation.read more

K Smo

02:56 03 Oct 18

We have had two great experiences and outcomes using Grandview Lending. They got us refinanced several years ago, and just recently guided us through the purchase of a new home. Mike and Faye do a tremendous job, and helped us save thousands of dollars in closing costs over going to a bank. Above all, I felt like they were always looking out for our best interests, and were eager to help whenever we had questions. They provide personal, professional, and prompt service. I highly recommend them and have sent several friends their way.read more

Beth Ferris

14:43 02 Oct 18

My husband and I purchased a home last February 2018, and used Grandview Lending for our mortgage arrangements. We had previously used Grandview for refinancing, and based on that experience, decided we would use Mike Farrell and his Grandview lending team again. Some of the reasons we came back are that the quality of their service and the amount of personal customer service they give is second to none (not to mention, something that is sorely lacking in most of our day to day dealings with companies these days). Their integrity and honesty throughout the entire process is also something that we very much appreciated. Just as all cases are unique, ours was a challenging situation, but Mike and his team were always on top of everything with knowledge of the various available options and what was needed to obtain the proper financing in a timely fashion. We appreciated their honest and forthright advice. If we find ourselves in need of another mortgage in the future, we would most certainly contact them again. We would not hesitate to suggest Grandview Lending along with Mike Farrell / Faye Fitzgerald team. We highly recommend you give them an opportunity to earn your business.read more

Jenna Kaufman

14:52 28 Sep 18

My husband and I had a great experience with Grandview lending. They were recommended to us by my sister and brother-in-law. They made the whole Process of buying a house much easier than expected. Everything went quickly and smoothly, We will definitely be using them again in the future.read more

Dana Lessie

22:09 20 Aug 18

Tim was great to work with and responsive to each and every one of my endless questions. I have to say my situation was more than challenging and Tim handled it with logic, support and care every step of the way. He is extraordinarily knowledgeable and his communication is perfection. Many thanks to making it all possible.read more

Douglas Ashby

19:31 02 Aug 18

Tim Ayers was great through the whole process. He provided me with many options including lower rates, but with higher mi, different down payments. In the end he helped me find the best deal possible for my needs. He was very responsive to all my calls, questions and emails. And fast I might add, we had an accepted PA on July 12, and closed on July 31. Great job Grandview and thanks so much Tim!read more

moni lopez

15:24 10 Jul 18

Mr. Tim surpassed all our expectations! He was professional, straight forward, prompt, helpful, & REACHABLE when needed! That seems to be a rare thing now of days, typically people like to keep you waiting or push you to the next person. He kept in close communication with all parties involved until the very end. He was accommodating with time & communication, despite my husband being deployed half way across the map on a different time zone. I honestly can’t say enough good things about our experience.read more

Ethan Campbell

14:15 10 Jul 18

I recently used Grandview Lending for my mortgage and the experience was excellent. I was in constant contact and my phone calls were always answered. I was called with check-ins often and greatly appreciated the extra work put in to make sure I got the best mortgage possible. The mortgage was put together and approved within a month with a very competitive rate, much better than I could ever expect. I wholeheartedly recommend Grandview to anyone looking for the best mortgage possible.read more

Misty Lucas

14:23 18 Jun 18

amazing job! would love to do business with this professional again! This would of never closed and would of kept my seller from being able to purchase their new home if it wasn't the hard work Tim did for the buyer's on their home. Thanks again for doing such an amazing job all realtors need a lender like you on their team.read more

Patrick Jones

16:19 11 Jun 18

He hung with us for almost a year and a half...that's commitment. I first contacted Tim Egan at Grandview in early 2017 to get a sense of my lending options. We weren't well-positioned at that point to get into the house we wanted, and Tim explained things very objectively and thoroughly. He said he would check back with us later, and he did. He always gave great detail and was excellent in communications as we navigated this process. I wouldn't think of using anyone else in the future. Last Friday our home-owning dream happened without a hitch. Thanks for going way above and beyond, Tim.read more

Brad Evans

14:38 20 May 18

We were moving from out of state and after researching on line decided to give Grandview Lending a call based on reviews. I spoke with Tim and explained our situation of moving in a few months and was looking to see if buying was a possibility. He was excellent with options while being honest and straightforward on the way ahead. We were able to find the perfect house and Tim and his assistant Laura did an outstanding job on processing the loan in a professional and timely manner. We relocated and closed on time the day after our move!read more

Nicholas Parlagreco

19:36 24 Apr 18

Michael Farrell saved me 6000 dollars in closing cost. His teams customer service was top notch! His processor Faye walked me through every step in a very timely manor. The Grandview lending Team got me an interest rate no other lending company could get. If your buying a home compare your quotes to Grandview lending. You will go with them too I bet!read more

Scott Knust

18:07 24 Apr 18

The service from Michael and his processor Faye was terrific. They were easy to work with and explained the whole process well. I was on a short time table because I'm self employed and had to wait for my taxes to be filed before closing. They pushed everything through quickly and had me ready to go for closing. Michael was even able to make it to the closing to help if needed. Grandview did a great job!read more

Rick Wampler

10:54 18 Apr 18

If your like me and have had issues in the past, Grandview Lending will be the company of choice. Honest, forthright, no gimmicks, just great people who want to make your experience the best for you that it could be. I highly recommend Grandview for your financing goalsread more

Helping NICKELL

17:38 16 Apr 18

Grandview Lending is a world-class brokerage service. As someone who is self employed and a husband on W2, we knew getting approved would be tricky. Mike Farrell and Faye were very professional, courteous and thorough. They knew exactly what to do for our unique case and apprised us on every step of the process. We had previously approached other lenders (several traditional banks and a few other brokers) but found Grandview to have the best connections to get us where we needed to be. They promptly provided several lender options for us to choose from, were very transparent about the pros and cons of each option and they helped us take into account things we would have missed like the seller’s portion of prepaid taxes helping us with the amount we needed to bring to closing. If you are on the market for a mortgage, give them a try, you won’t be sorry. The amount of options they have will well surpass anyone else in Indianapolis. And you might learn a thing or two about the mortgage biz from Mike as he is a straight shooter and makes sure you understand the what’s and why’sread more

Johanna De Jesus

01:48 07 Apr 18

I worked with Tim and he was a true pleasure to work with. He was able to find me a loan quickly and we closed right on time. The process was super seamless. I enjoyed working with Tim so much that I recommend his services to friend and family.read more

Son Doan

14:05 04 Apr 18

i just closed a property working with Tracy. Her rate and closing costs were cheapest that i found. Overall, I really enjoyed working with Tracy and her team. Throughout the whole month, they were always available via call, text, and email. I received responses within hours if i had sent them an email or less via call or text. The team was on the ball, pushing other parties to quickly do their part in able to close on time. Looking forward to doing business with them again.read more

chris f

20:12 02 Apr 18

Mike and Faye promptly gave us the step-by-step information we needed to feel comfortable in our decisions. Very friendly and made process easy.[quality of the service, customer service you received, turnaround time, price, etc.].read more

Corey Nickel

19:41 02 Apr 18

I cannot speak highly enough about my experience with Mike Farrell and Faye Fitzgerald. This was by far the easiest home loan experience I have had and I have worked in real estate. Mike and Faye were always accommodating, communicative and compassionate about the obstacles you sometimes come in contact with during a real estate transaction (appraisal value in my case). To say they were "on the ball" is an understatement. They work quickly and efficiently, which are hard to come by when it comes to home loans. I highly recommend Grandview Lending.read more

Chris Stitzle

18:06 29 Mar 18

The total experience was AWESOME!! My wife and I have used Grandview Lending on more than one occasion. The reason we keep coming back is their quality of the service, the amount of personal customer service we receive (Tracy & Laura were outstanding!), the quick turnaround time, and most importantly the price. I highly recommend you give them an opportunity to earn your business.read more

Phillips Hayes

18:39 22 Feb 18

Tracy and her team did an excellent job with my loan got it done before We were supposed to close and I would recommend her to any of my friends or family.read more

Hannah Obrecht

19:43 19 Feb 18

Tracy at Grandview is an absolute gem! She was very quick to answer all 1,000 of my questions and happy to do so. She and the whole team are incredibly knowledgeable and helpful when it comes to buying your first (or any) home. She walked me through the entire process and looked at all of our options for which type of loan we could use. We have now closed on our house and Tracy was there every step of the way! Grandview is paid was paid by the title company so it didn't cost us a dime. Tracy shopped around for the best rate she could find for us. Being first time home buyers, we were very nervous and ignorant about everything. I would go with Tracy and Laura again in a heartbeat!read more

Indy Mom

20:53 13 Dec 17

Our journey with Grandview Lending started several months ago. To be honest, our credit situation was less than ideal and other lenders had not been helpful at all to even figure out what we needed to do. We had even been downright ignored by others. After doing a google search, i came upon Grandview lending. The reviews were great. I figured it was worth a shot, right? I called and spoke with Mike, and he told me he was the president of the company. I thought “great. I’m going to tell him i have credit issues and he’s going to get off the phone as soon as he can and ignore me like the others.” What happened next was the exact opposite. He listened. He cared. I think the first phone call was at least 20-30 minutes long. He discussed all the possible options moving forward. He sent several emails on the plan moving forward. He followed up with phone calls. My husband and i worked on the credit issues. Surprisingly, after a little past a month, we were where we needed to be! We were told by others to maybe try again in 6 months or a year! I know everyone’s situation is different regarding credit, but this was our experience. When it was time to submit our full application, it all went so smoothly. When i had any questions, worries, or concerns, i called and either Mike or Faye was always available to talk. Emails were answered very quickly. They were trustworthy and honest with every single thing that could happen. There were no delays with closing, in fact, no delays of any sort. Mike said he could get this done for us, and he did. It means so much that while others literally ignored us and didn’t even offer a word of advice, Mike was there and believed in us. We are in our wonderful new home because of him, and much sooner than we could’ve ever hoped for. It was like we were family to them, although i suspect they treat every one of their customers with the same respect, courtesy, and care. We are customers for LIFE and will recommend Grandview lending to all of our family and friends!read more

april lee

22:37 02 Nov 17

Tim Egan is an amazing person to work with as a lender. He is very knowledgeable and clear. He took the time to explain everything in detail for me to understand each and every process along the. I'm a first time home buyer and I'm so glad I was refers to him otherwise this would've been very stressful for me. Thanks for the great experience!read more

Kraig

18:29 13 Oct 17

My experience was amazing with this company. Between the time I looked at the house and closed, it was less than three weeks. Grandview Lending did everything and anything possible to get me a loan at a great rate and one that was affordable to me. Tim was amazing at working with me and for me to make my rates, payment and experience as great as possible. Tim was available at any time to answer my questions, walk me through the process, and continued to work until my rates, payment, and experience were as great as possible. I cannot recommend this company and the people that work there enough.read more

Dave Ferris

18:29 10 Oct 17

We recently used Grandview Lending for our home loan. The service we received was top notch. They were always accessible via phone or email-my choice- and were accessible/swift. Mike took time after hours on a Friday evening to educate us on cost and benefits of various interest rates. He was extremely knowledgable, and Faye kept us on track throughout the entire process. Mike even attended our closing! It was a personal touch, and all for the best price we found.read more

Tami Wallace

17:55 10 Oct 17

I enjoyed working with everyone at Grandview Lending. As a first time homeowner, Mike guided me every step of the way making the process a lot less stressful. Mike and Faye were always willing to answer my questions and did a great job explaining the process to me. That is why I came back to Mike and Faye three years later to refinance my home. I trust Grandview Lending and would highly recommend them to anyone.read more

Cklazo

17:53 31 Jul 17

Our mortgage experience with Tracy Harding was excellent, she made the experience very smooth from start to finish. There were no set hours, she worked 24/7. We built so there was a lot of pressure from the builder to go through their financing, by staying with Tracy at Grand View Lending she saved us thousands of dollars, with the financing time being excellent. The whole buying experience can be so nerve wracking but Tracy made it a smooth experience from start to finish. Her knowledge and experience was truly exceptional. We would do it over again in a heartbeat.read more

Qasim Asghar

21:20 30 Jul 17

Tracy was great to work with. She completely took care of the process from start to end. The quality of the service was great. The customer service was excellent. She was available via email and/or text 24/7 any time of the day. The turnaround time was very quick. She was able to find a great rate for us and the whole process went very smooth. Would not hesitate to use her again and refer to anybody else who is looking to work with a great individual who takes care of their customers.read more

Philip Burroughs

21:05 28 Jul 17

Tim Ayers is a consummate professional. He is affable, timely and patient. He is very knowledgeable in his field and always explains financial matters in a clear and easily understood manner. Also, Tim is generous with his personal time as demonstrated by a Saturday morning when he helped fix a water problem in our basement. He is the first person I recommend when individuals and businesses need counsel in various commercial and residential. He is worthy of more than the above five stars. Philip D. BurroughsAttorney at Law.read more

Monica Dietterick

16:27 18 Jul 17

Tracy at Grandview Lending was amazing! The level of service she provided my husband I was above an beyond. She was with us every step of the way. They came in with the best rates and options. She was very transparent on how the process works and what we needed to do. Her sense of urgency and attention to detail was like no other. Tracy made the entire ordeal of purchasing our house painless.read more

Shanay Lasley

18:08 06 Jul 17

Kimberly Irving was the best loan officer I have ever had the pleasure to work with! She is very knowledgeable about the lending business, extremely patient and trustworthy. Thanks to Kimberly, our financing was not as stressful because she offered every attainable financing option that fit within our family's budget. Kimberly understands a working family's needs and knows how a new home can change the quality of life for you. I highly recommend Kimberly for your lending needs. She will make sure you remain a satisfied customer even after the closing of your home loan. She aims to please every time!read more

GRANDVIEW LENDING INC.

OUR BLOG

Financial Documentation for Mortgages – How to Go Doc-Less
July 30th, 2020

Therefore, when you apply for a mortgage, your lender will ask you supply financial documents, such as:

These are just a few of the financial documents you’ll need to provide. Gathering this documentation can take a fair amount of your time.

But what if your mortgage or refinance could be faster and easier without having the hassle of gathering financial documents? What if this documentation was gathered for you? That would be great, wouldn’t it?

How can you take advantage of mortgage application process like this? Join the Doc-Less Revolution! Watch this video to learn more.

Contact the mortgage specialists at Grandview Lending in Indianapolis at 317.255.0062 or (toll free) 866.690.4920 for more information. Our mortgage expects can help you save time – and go green – by going doc-less.

Fast & Easy Custom Rate Quotes

START YOUR APPLICATION

Related posts

QUICK LINKS

OPERATING HOURS

OTHER INFORMATION

START YOUR APPLICATION

Certificate of Excellence

GRANDVIEW LENDING INC.

OUR BLOG

Financial Documentation for Mortgages – How to Go Doc-Less July 30th, 2020

Therefore, when you apply for a mortgage, your lender will ask you supply financial documents, such as:

These are just a few of the financial documents you’ll need to provide. Gathering this documentation can take a fair amount of your time.

But what if your mortgage or refinance could be faster and easier without having the hassle of gathering financial documents? What if this documentation was gathered for you? That would be great, wouldn’t it?

How can you take advantage of mortgage application process like this? Join the Doc-Less Revolution! Watch this video to learn more.

Contact the mortgage specialists at Grandview Lending in Indianapolis at 317.255.0062 or (toll free) 866.690.4920 for more information. Our mortgage expects can help you save time – and go green – by going doc-less.

Fast & Easy Custom Rate Quotes

START YOUR APPLICATION

Related posts

QUICK LINKS

OPERATING HOURS

OTHER INFORMATION

START YOUR APPLICATION

Certificate of Excellence

Financial Documentation for Mortgages – How to Go Doc-Less
July 30th, 2020