What Clients are Saying…
“I have been a loyal customer of TST-Harms since 1995. I have utilized TST for all my mortgage needs, including the purchase of three homes and a refinance. They are very knowledgeable and easy to work with. I recommend TST to all my friends looking to buy or refinance.”
“I have known Bob for many years. He helped me with my mortgage as well as my parent’s mortgage, and has also helped several of my clients with their mortgages. I highly recommend Bob Harms to anyone needing a mortgage. He is a good man who you can totally trust.”
James McCune, P.A.
McCune Law Firm
“My name is Seabon Dixon III,. In July 2013 I decided to put all my efforts in the purchase of a home. For the past 8 years I had rented and hated every moment but circumstances determined my fate. My credit history had been marred like many others who lived through our historic recession. I called Bob Harms at TST Harms Mortgage and told him of my dreams and hopes for a new home.
When I met Bob in his office and told him of my credit standing, I expected him to tell me I was a lost cause. Surprisingly he encouraged me and said he would help with my credit issues and believed he could get me approved. To be honest I was skeptical, I could not see it I guess I just didn’t want to face the potential disappointment.
Well, on September 23, 2013 I closed on my new home. I’m truly thankful I picked up the phone to place a call to TST Harms Mortgage Company. I feel very blessed with my home purchase and wish the same blessing to you Bob.
Again, thanks much!”
Seabon Dixon III
“TST-Harms has helped my wife and I purchase 2 homes. Mr. harms was always helpful and easy to contact during the process. I would recommend him to anyone seeking any type of mortgage.”
Mark and Gigi
“I have purchased two homes and refinanced one of those homes through TST Harms. Prior to purchasing my first home I had heard that buying a home was extremely tedious and very confusing. Bob made the process a breeze. He is extremely knowledgeable of the mortgage industry and provided multiple mortgage program options for my purchase. He took the time to explain what all of the terms and conditions meant and answered all of my questions. I strongly recommend using TST for your next purchase or refinance.”
St. Johns County
“His years of experience as a mortgage broker in Jacksonville were reflected in the smooth process of refinancing my home. Bob Harms pays attention to details and market trends to assure his clients get the best financing available.”
“Robert Harms was highly recommended by my CPA for a reverse mortgage. He explained the process and I completed the reverse mortgage in a way that I completely understood. I would recommend him highly to anyone seeking a reverse mortgage.”
Janet W. Larson
“TST Harms was able to get me into my first house in an expedient and professional manner. I had issues in dealing with larger banks, however the level of service and flexibility that Bob Harms provided was better than a large company could ever match.”
“Bob Harms is extremely professional, honest and has taken care of all my mortgage needs. I was especially pleased with his knowledge of reverse mortgages. He really handled everything so well and I’m very happy with the outcome.”