Testimonial Management

VA Loan

⭐⭐⭐⭐⭐ Just closed on our new home, and I honestly couldn’t be happier! After retiring from the Air Force and going through a pretty big transition with my family, getting into a home of our own was something I was really looking forward to. We had been staying with family while working through the home-buying process, so finally getting those keys was a huge moment for us. Going through the VA loan process definitely came with its fair share of questions, paperwork, and stress, but I really appreciate all the help and guidance along the way. From the initial loan process to the appraisal, underwriting, and finally closing, it was a lot to navigate, and I’m thankful for everyone who helped us get across the finish line. At the end of the day, this wasn’t just about buying a house. It was about getting my family settled and starting the next chapter of our lives after the military. We’re finally moved into our new home, and it feels great! Really appreciate everything and would absolutely recommend them to anyone looking to buy a home, especially fellow veterans using their VA benefits!

Refinance

Marcus was great to work with. I went on vacation while we were doing my refi, but that didn’t slow the process, thanks to him keeping me informed and being able to work details via internet and phone discussions. Great guy to work with. I felt confident that he had my best interests in mind...

Marcus was the absolute best. He answered every question I had even if I felt I should have already known the answer. I was a first home buyer so you know I had tons of questions. Best thing about the whole process was they worked with me and my schedule. I work in the automobile industry and do not have time to go do the whole ‘song and dance’ at the bank.

Marcus made the process easy, was quick in his replies and the service far exceeded my previous mortgage with a credit union. Closed on time without a single issue along the several steps needed to close.

I got the keys to my new house last week. This was my first home purchase and was really nervous about the mortgage process. However, the journey from beginning to end was very simple and painless. And that's all because of Marcus. He did an outstanding job from the very first step of the mortgage process until I closed and got the keys. I applied with other...

He was timely and helpful. I really like the honesty and the research he did to help me.

The only complaint I would have is in regards to our closing date. Not the fault of Marcus. Ty Marcus!

Marcus was very informative and explained all the details to me in a way that I could easily understand

Marcus was very informative and had an answer to every question I asked. Our loan closed quickly with no issues, the whole process was easy and I will definitely refer him in the future.

Marcus is a competent, efficient and very friendly. It was easy working with him and he was responsive to all our concerns.

He was very helpful in the process and explained everything in detail. Marcus made the process seamless and is very knowledgeable.

Quick and amazing! So easy to work eith

Refinance

I worked with Marcus on my refinance. The process was extremely painless and the help Marcus offered was a great benefit. He kept me informed and verified all my needs were met.

Refinance

Marcus was helpful and knowledgeable regarding the refinancing of our house. I would request him in future purchases or refinance or our home.

Marcus was absolutely amazing!! This was the most wonderful experience ever, buying a house! Marcus and Charlie bent over backwards helping me and guiding me through the process. I can’t thank them enough!!

Marcus. He seemed confidant, knowledgeable, and caring. But they all do in the early stages. We spoke to Marcus 2-3 times before proceeding, he was extremely patient and understanding that we were a little nervous because we had been having such a horrible experience thus far with our current mortgage holders. Marcus was reassuring and even made sure his supervisors called to touch base and acknowledge that we were being put as high priority. Marcus was 100% hands on and went above and beyond any of our expectations to get out loan completed in something like 2 weeks! Not only did we drop our PMI but he was able to get the rate matched from our other loan company (the one that strung us along for 4 MONTHS!). This was huge because rates were increasing significantly. The fees were lower than what our current mortgage company was charging us, the rate was the same, and the process was absolutely hassle free. We couldn’t believe how quickly and painlessly it was done. But my husband and I both agree that it was solely because of Marcus Dho. The level of product and process knowledge, mixed with a genuinely good and caring human being is how you do business. Marcus Dho made us feel welcome and taken care of. I will likely NEVER leave because of this experience and you now have a customer for life and truthfully that is because of Marcus. I can imagine putting that much care and client attention into your work can be so exhausting, but from Marcus it is so genuine. Marcus is extremely knowledgeable about the products and process mixed with his kindness, I truly hope you know how lucky you are to have him on your team. Thank you Marcus.

Marcus was very reliable and dependable during the whole process. If I had a question he quickly got back to me with a reply.

Marcus was extremely helpful and was very quick to respond when I had questions.

Wonderful job overall! Marcus was very knowledgeable and friendly.

I was a bit skeptical of completing the mortgage process online but Marcus was a great partner throughout the process. Marcus was knowledgeable, personable and always helping us get the absolute best mortgage available for us. We highly recommend Marcus.

Refinance

We were just shopping for refinancing our home. Marcus was extremely helpful in presenting our options. He came across as knowledgeable, patient and very polite. We got our loan because of Marcus guiding us through the process. We will definitely refer him to other people.

Marcus has been with me since day 1.. I just tried to see if I qualify and I got to chat with Marcus that night I log out from our chat with a ore approved loan..

From start to finish, Marcus has been really helpful with my loan. Being first time home owner, Marcus helped me and took time to explain and answer all the questions that I have. Initially, I was not sure which lender to choose, but after several unsatisfied phone calls that I've had with other loan companies, I am glad that I moved forward. The staff were so friendly and helpful. It is safe to say that Marcus was the reason that I decided to move forward!

This is my second time getting a home loan and I wont go anywhere else. Marcus helped make the process flow smoothly even while I was out of the country, in differing time zones, on vacation, and with intermittent connectivity. We still closed in what the realtor said was "record time".

Marcus was a true professional. He was patient and available to answer any questions throughout the process. I wouldn’t hesitate to use his services again in the future and highly recommend him to anyone looking for a competent and personable lender.

Very knowledgeable & personable, a pleasure to work with!

First-time homebuyer here, and boy, was I lucky to have Marcus as my go-to person. He’s knowledgeable, friendly — a consummate professional.

Excellent to work with. Extremely knowledgeable and handled questions and concerns promptly...

Marcus was great, he answered all of my questions and concerns.

Marcus was great to work with. He was kind, knowledgable, and prompt with communications.

Very professional from start to finish. Kept us informed of the process. Very helpful.

Marcus did a fantastic job for me he went over and above what I thought was necessary to make sure I got the right loan mortgage

He was great Got back to me fast ask him questions

Excellent communication and personal attention...experience with Marcus was simple, easy and unbelievably quick!!

Marcus was very knowledgeable about the laws in Hawaii. Especially since they are so different from the laws on the mainland. It was very helpful that he knew those laws.

Marcus was great! He made the process go fast and smooth.

very friendly and knowledgeable; clearly explained process and timelines

Marvelous experience with Marcus

Excellent customer service! Marcus worked to get me a great rate & was always available to help out when I needed him.

Working with Marcus was "five stars". Marcus is diligent, thorough, knowledgeable, communicates well and an overall pleasure to work with.

A++ would mortgage again. Marcus was great.

Excellent Service and very helpful.

Marcus was fantastic to work with. He is very knowledgeable and was always quick to answer any questions we had. Highly recommended!!

Extremely knowledgeable and helpful.

Answered all my questions to my satisfaction and in a timely manner.

Marcus was wonderful. He made the process of buying our first home so easy!

VA Loan

First…Marcus was AMAZING! Long story long…we started with a land buy and home build but about 3-4 months into the process, we had to pivot and went with a home buy instead. From the start Marcus was all in. During the home build process, we had detailed discussions on what my family and I were looking for and where we were hoping to be with land size and home plans. After we shifted focus to a home buy, Marcus was still there with every detail on why we shifted, to what we needed/wanted, and where we wanted to be in the future years. I mention this because the personal touch that Marcus brought to the process really helped us remain calm through all of it! As frustrating as we were getting because we changed plans, Marcus never became frustrated with us. He reassured us he would help us navigate through it all and made sure we were provided all the information we needed to make the right decision. Trying to purchase a home, navigate the VA process, and get all your questions answered with someone who is geo-dislocated from you sounds intimidating but the level of communication Marcus established and maintained with us was phenomenal. We never felt like we were missing information or forgetting to complete a task! We felt as though we were doing business with someone in-person even though we were 2 states apart! Great team! Great communication! Amazing personal touch!

VA Loan

Marcus was incredibly patient and knowledgeable. He kept me in the loop about everything and eased my anxiety every time we spoke. I will always go to him if I have questions in the future and I will recommend him 100% to anyone looking for a lender. I’m grateful to have him as mine. Thanks Marcus!! From ~Eloris

VA Loan

Dan and Marcus are top notch. Made a hard process easy to navigate through and kept in constant contact from start to finish. Highly recommend! Wes

Purchase

Dan was awesome to work with and took all the hastle out of finding the best mortgage for my situation. Thanks a bunch!

Va loan

I am super pleased with Dan and Marcus! They are amazing, miracle workers. I had a difficult situation and they were able to get me approved and get me into my home. They handled my case with ease and was with me every step of the way. I am very appreciative of all their hardwork and effort and so happy they got me and my family into my dream home. I highly recommend them. 10/10

VA Loan

I first met Marcus through Allegiant Vets while I was transitioning out of the military. Of probably 15 different briefers from similar companies, Marcus was the ONLY one who directly addressed veteran-specific entitlements, rules, and considerations within the VA lending process. He immediately stood out, and that is ultimately why I decided to give him a call. That was nearly 10 months before I actually bought a home. At the time, I had no idea where we would end up or when we would be ready to buy. Marcus stayed in touch about every other month throughout that entire period with absolutely zero pressure. He simply checked in to see if our situation had changed and whether there was anything we needed from him. Once a career opportunity took us to another state and we were ready to buy, Marcus was Johnny on the spot from beginning to end. Over the course of the process, we developed what I would consider a professional friendship. We had numerous calls and conversations covering just about every aspect of the loan and home-buying process. If I didn't understand something, he explained it. If I wanted to see the numbers behind what we were discussing, he provided the math. If I needed another pre-approval letter for an offer, he turned it around quickly. This level of support started well before we ever had a home under contract. What impressed me most was that I never felt like Marcus was simply trying to close a loan. I felt like I had someone in my corner who understood VA lending, understood the unique considerations that come with being a veteran, and genuinely wanted to make sure my family and I were making informed decisions. To top it all off, Marcus was even able to get more money back to us at closing than I had anticipated or identified through my own research. I will 100% go back to Marcus and Formula Lending Group if rates drop and refinancing makes sense. I will continue recommending him to other veterans, friends, and family, and would gladly work with him again anytime our paths cross. Marcus earned my trust and my business months before I actually had any business to give him. I can't think of a better endorsement than that.

VA Loan

Marcus Dho with Formula Lending Group was phenomenal throughout our home-buying journey. His knowledge of VA loans was outstanding, and he made the entire process smooth and stress-free. He's the kind of person who feels like an old friend you haven't seen in years—you just pick up right where you left off. My husband and I feel truly blessed to have worked with Marcus. If you're looking for someone who is knowledgeable, trustworthy, and genuinely cares about his clients, we highly recommend him!

Buyers Agent

Marcus was amazing to work with. We were able to close within 3 weeks. I am beyond impressed and thankful he was able to make this sale a stress-free success!

Buyers Agent

Marcus was prompt and easy to reach through the entire process. Taking care of clients is his strong suit. Look forward to working together in the future!

VA Loan

Marcus and his team got me in a home across the country in 4 weeks time! They made my buying experience very easy and were very transparent during the whole process and answered all of my questions. I would definitely use them again!

VA Loan

This was the best and smoothest home purchasing process we’ve had. Great communication, quick answers, and overall amazing to work with.

Buyers Agent

Marcus Dho was absolutely fantastic to work with! Communication was great, and he helped make the transaction seamless from start to finish. My buyers were clear to close 2 weeks before our scheduled closing date! I will be recommending his services to future clients.

Buyers Agent

Marcus was easy to work with, available and ready to pick up the phone, and timely! We needed to work quickly to get our buyer a home in just 3 weeks, and Marcus was a great asset.

Purchase

Marcus and his team were excellent! I received a job offer and had to coordinate a move. Marcus and his team was super supportive to help in executing my VA home loan for my first home that I was buying. To include we did it all very quickly to support my move. He got me in touch with an excellent realtor for the location I was moving to. Combined they answered any questions I had and helped me navigate any uncertainty I felt. Truly exceptional and would highly recommend.

VA LOAN

Marcus was the absolute best for us being a military family overseas and transitioning back to the US and into retirement. He went over and beyond to assist us with purchasing a home. We were confident that he would take care of all we needed to make the home buying process smoothly. We highly recommend Marcus’ services.

Purchase

I met Marcus virtually through a veterans transitions event in late 2025 and expressed my interest to purchase a home. Marcus have been communicative and helped me through the purchase process up until and after closing (April 2026). He was always patient. I have been able to reach him via email or call anytime I had a question. He was always pleasant and seemed happy to help, even if my questions were "out there". Thank you, Marcus!

He was easy to work with and made sure all my paperwork and documents were in place even made sure my home owners insurance was up to standards because other mortgage company didn't pay it.

Marcus was very helpful throughout the loan process. He is knowledgeable, helpful and ready to help with any loan questions. He always followed up with me to see if there was anything he could do to assist. Very pleased with him.

Marcus is amazing! He walked me through the process from start to finish and answered all my questions. I will be recommending him to all my friends and family. Thanks for everything Marcus!!! You rock!!!!

Marcus was spectacular! He was always available to answer any and all questions and concerns I had. He made sure I was kept up to date on the process. Great guy!

Refinance

Marcus made the whole experience wonderful! He meet all of his commitments and also ensured we did. I would highly recommend Marcus for refi or purchasing home.

Marcus sets the bar for Professionalism. We had questions and he had answers. Wonderful to work with.

Purchase

Marcus was great from the beginning very helpful throughout the whole process. He would return my phone call or email me back as soon as he could would do it all over again to work with him. Made the home buying experience an easier process.

Refinance

Marcus was very polite and was understanding when I said that now was not a great time to move forward with a refinance. I will definitely be using his expertise in the future when refinancing is a good option for us.

Marcus was great to work with!! Friendly, Knowledgeable, Patient, and I felt that he cared about us finding the perfect home.

Marcus was wonderful to work with. This process is never easy but he made it stress free. His communication was excellent.

Refinance

Marcus was outstanding. I highly recommend him! He guided me through the refi loan process, always kept the communication lines open and always had a positive attitude, even with all of my questions and concerns. I'm very happy with the mortgage and the online platform experience exceeded my expectations.

Remarkable to work with. Made my first lending experience one that will not be beatable. He was extremely professional. Worked long hours, and was always capable of relieving my phone call. 100% guarantee anyone who works with Marcus will have an excellent experience. A experience not a deal.

Marcus was friendly, knowledgeable, easy to work with. He answered all my questions and ensured that I had all tools available so I can quickly and efficiently get documents, signatures and everything needed to close my loan. He is the definition of a true professional.

VA Loan/IRRL

Marcus is a one of a kind lender! From the moment we started working together he had all the information we needed and more. He helped find us the best rates, as well as educate us on the process. Marcus continues to go the extra mile and check in on you and is always willing to answer questions you have. You can tell he really cares. Couldn’t recommend him enough!

VA Loan

Marcus and his team were phenomenal! They made the entire process easy and had a plethora of knowledge. We got the best rate and our closing was seamless. Highly recommend!!

Purchase

Marcus made the process of our home purchase smooth!