HONORING OUR HEROES

"Hard to put it in words, but Jeff had been able to raise the bar in customer service in my life experience as a whole. It would be very hard, if not impossible to replace the service he provided and has always provided. I would recommend him to all my family members and friends without any hesitation."

Robert B., Hendersonville, TN

"The entire refinance experience was handled with respect and was very professional at all times. This is the second time we have asked Rhonda Holt and the staff at Acopia to process a real estate transaction. We would not hesitate to use their services in the future."

Charles U., Hendersonville, TN

"We really enjoyed working with Jeff and his team at Acopia. They were very patient and accommodating through this process. They also had very clear communication and expectations. As a side note, the app they use is very easy to navigate to complete signatures quickly."

Caldwell Family, Gallatin, TN

"Efficient and caring! Their call backs were immediate."

Stephanie T., Hendersonville, TN

"Rhonda Holt and team have always been great to work with. Everytime I need them for questions, concerns or market conditions they are always available. Want to thank Rhonda and the entire Acopia team for their hard work and dedication to this industry!"

Scott D., Hendersonville, TN

"To say Jeff was a master of his craft would be an understatement. From the initial information intake to the day of closing, Jeff was right by my side, guiding me and making sure every T was crossed. I had ALOT of questions as a first time buyer and Jeff always took time to get me an answer or give me guidance on the process. Not only did Jeff take time to make sure I understood every step of the process but he did it in a patient and kind way that never made me feel like I was bothering him. Jeff was always pleasant, polite and professional! Bottom line, Jeff and his team are the best in the game and I cant thank them enough for all the help. You guys ROCK!!!"

Sawyer P., Pulaski, TN

"Jeff was referred to me by my realtor with a great recommendation. Although my expectations were high, Jeff and his team easily exceeded them. Jeff was responsive, articulate, and timely. His communication is top rate, and his friendly, familiar attitude was refreshing. Thank you for all you have done for my family!"

James C., Hendersonvile, TN

"You’re reading these reviews because you are interested in finding..... a lender who will listen to your needs. JEFF STINE is your guy. A lender who will have your best interests in mind. JEFF STINE. A lender who actually knows what they are talking about. JEFF STINE. A lender who will work to make sure he does what he commits to do. JEFF STINE. A lender who is also becomes a friend. JEFF STINE. It’s your most important purchase. You better get the best lender!! That’s JEFF STINE. You’ll thank me later."

The Hadley Family, Hendersonville, TN

"Jeff was helpful in help us throughout the mortgage application process. He was always available for questions we had and responded to our questions promptly."

Chiaoyuan L., Hendersonville, TN

"Jeftt Stine and his team at Acopia Home Loans did a wonderful job of provide a mortgage on our new home. The team worked really well together and answered any questions I had at any time along the way. Trust them with your mortgage needs - I know you'll be as happy with their service as we are!"

Javelin S., Springfield, TN

"Jeff not only made the process easy, it was seamless from application to closing. He and his staff are professional and they kept clear communication through out the process."

Jennifer J., Lebanon, TN

"I had a great experience with Jeff Stine and the team at Acopia Home Loans. They were thorough, responsive, efficient, informative, patient, and incredibly kind. I can't say enough good about this group. I will definitely work with Jeff again and look forward to enthusiastically recommending him to friends and family."

Melodie G., Nashville, TN

"Tamra and her team took care of all details and were very professional. They took great care of the purchasers throughout the process."

Vince C., Paducah, KY

"Tamra was amazing the entire time. She made sure she kept us updated on everything and we could not have asked for anyone better. YOU ROCK!"

Lucy T., Paducah, KY

"Having to do all of this online was a real challenge for me, but Tamra helped me every step of the way!"

Theodore H., Paducah, KY

"I enjoyed working with the Acopia team for my mortgage needs. I appreciated their responsiveness and their willingness to answer my questions throughout the process."

Darlene F., Paducah, KY

"You’re reading these reviews because you are interested in finding..... a lender who will listen to your needs. JEFF STINE is your guy. A lender who will have your best interests in mind. JEFF STINE. A lender who actually knows what they are talking about. JEFF STINE. A lender who will work to make sure he does what he commits to do. JEFF STINE. A lender who is also becomes a friend. JEFF STINE. It’s your most important purchase. You better get the best lender!! That’s JEFF STINE. You’ll thank me later."

The Hadley's, Hendersonville, TN

"Rhonda Holt and her team were consummate professionals. They were responsive, even after hours when I had questions, taking the time to explain the complex loan approval process when I had questions. On top of that they are just really great people."

James Y., Hendersonville, TN

"Jeff and his staff went above and beyond once again. This is our second time using Jeff and his services and Acopia Home Loans is definitely a must-use if selling or purchasing!"

Tim D., Mount Juliet, TN

"My wife and I were treated with the utmost of personal attention and with all professionalism. The latest was technology used to make the process simple and efficient."

E. Sanders, White House, TN

"Jeff and his team were extremely professional and efficient from start to finish. I would recommend them to anyone. This was by far the easiest home buying process I've experienced, I want to thank the whole team!"

Larry E., Nashville, TN

"Constant, clear communication that helped us every step of the way."

Aaron H., Hendersonville, TN

"The team I had to work with was very friendly and professional!"

Luis L., Hendersonville, TN

"Tamra was absolutely amazing. She helped us prepare for almost a complete year and gave us great advice for even after the closing of our new home. She worked endlessly trying to make everything work out for us when the COVID-19 hit and made our chance of getting our new home seem to slip away. She was always emailing, texting and calling keeping us informed and checking in to make sure we were always on the right track. We are so thankful for her!"

Meghan T., Hendersonville, TN

"Acopia has been absolutely amazing to work with! I could not have had a better experience. Everyone on their team has been so friendly and easy to work with, they made the process such a breeze!"

Alicia G., Gallatin, TN

"Our experience was so easy, smooth and stress free. Tamra and her team were knowledgeable, friendly, efficient and made refinancing our home so easy. I have and will continue to recommend Tamra to all my friends and family."

Melanie V., Hendersonville, TN

"I always thought that home-buying seemed so complicated, but working with you all has made it an absolute breeze!"

Alicia G., Hendersonville, TN

"Couldn’t have asked for a better company or people to deal with. They were very professional and always kept us up-to-date on our loan information."

Keith V., Hendersonville, TN

"Jeff Stine and the entire team at Acopia we’re fantastic to work with. If you have a choice between a local lender and a big company go local. Rates were much lower than all the big lenders."

Christopher R., Clarksville, TN

"They were nice and provided me with everything I needed to get my loan!"

Matthew C., Newport, TN

"I had the great pleasure of working directly with both Rhonda and Wendy years ago when I worked in the title/closing industry. Once I returned to working as a full time Realtor I again have the pleasure of working with them. Incredible work ethics; unsurpassed customer service; wealth of knowledge with extensive amount of experience. I've referred many clients because I know without a doubt they will be thrilled with their experience and they have been. "

Robin V., Hendersonville, TN

"This is the second time we have used Acopia. First time was the purchase of our house and this time was a refinance. Both times they were great. Very friendly and helpful through the whole process."

Alan T., Hendersonville, TN

"They were personable and were able to tailor my experience to me!"

Andrea M., Hendersonville, TN

"Jeff’s team was very helpful walked us through the whole process from start to finish. I would recommend him to anyone and will be using him on our next loan"

Willie B., Cyril, OK

"We have used Jeff twice now and both times were great. He is very helpful and easy to work with. Made the whole process very easy. If you use him you won’t be sorry."

Alan T., Hendersonville, TN

"This was the second time we had the pleasure of working with Jeff in the last two years. The first time was purchasing our home and this time refinancing our home, in both instances Jeff and his associates were extremely pleasant and very helpful through the whole process. We would definitely recommend Jeff to anyone looking for a lender."

Tammy P., Hendersonville, TN

"Rhonda and here team were outstanding. They made the whole process a breeze."

Charles R., Hendersonville, TN

"Working with Rhonda and her team was truly a pleasurable experience. They are well organized and fully met my request for frequent communication on status and anything needed to proceed. I greatly appreciated having the Acopia app to be able to check status easily."

Edward E., Hendersonville, TN

"We felt your staff went well above and beyond to help us!"

Mark W., Hendersonville, TN

"Working with Rhonda and her team was truly a pleasurable experience. They are well organized and fully met my request for frequent communication on status and anything needed to proceed. I greatly appreciated having the Acopia app to be able to check status easily."

Edward E., Hendersonville, TN

"This was the easiest refinance mortgage process I have ever been through. Professional, polite and on time with everything. AMAZING, AMAZING, AMAZING!"

Brian A., Hendersonville, TN

"Jeff’s team was very helpful walked us through the whole process from start to finish. I would recommend him to anyone and will be using him on our next loan"

Willie B., Hendersonville, TN

"My husband and I could not be happier with our experience with Acopia Home Loans. After purchasing our first home and having a terrible experience with our lender we decided to use a local company for our most recent purchase. Jeff and his team were thorough, informative, easy to get ahold of and all around wonderful. Acopia made our home buying experience very easy, and even enjoyable! We are grateful for their service and would recommend them to anyone looking to purchase a new home!"

Katie E., Gallatin, TN

"The Acopia team is professional, communicates on everything I needed and made sure we had a smooth, painless close. We got a great rate and would come back again for my next home purchase."

Aaron B., Hendersonville, TN

"Jeff and his team did a great job walking us through out mortgage process. I've bought and sold multiple homes over the years but this transaction stood out above the rest. The technology, the education and support was all 100%."

Kristi H., Nashville, TN

"Thank you SO much for your hard work and effort to get the Shirden's to the closing table. They have successfully signed their documents this morning and will be moving into their new home this weekend. I know this was a bear to work on, but just wanted to take a moment to tell you each how much I appreciate you and so thankful to have you as my trusted lender."

Victoria A., Gallatin, TN

"This is the second time I have worked with and used Jeff Stine and the second time around was even better than the first time! Excellent customer service and communication. Everyone in his office that helped with the process was just as great as Jeff!"

Dawn M., Hendersonville, TN

"Our experience purchasing a house with Jeff and his team was fantastic! Jeff went out of his way to make sure we understood the entire process. Communication was great, I highly recommend Jeff and his team!"

Eric R., Gallatin, TN

"The loan Tamra handled was great for my client. I appreciated how much you kept me in the loop through the loan process! Thank you so much!"

Kelly W., Castalian Springs, TN

"Jeff was great with communication and very easy to work with. Rates and fees were within the norm for a new purchase, but service was excellent and really what you want when trying to get into a new home."

Christian N., Gallatin, TN

"Jeff and his staff were easy to talk to and work with. They provided step by step instructions with follow ups and reminders. They made a stressful out of state move to be very UNstressful. I highly recommend and truly appreciate everything that they did for me and my family."

Christi T., Hendersonville, TN

"From the first conversation and initial application to our closing date Jeff and his team were truly a joy to work with! He explained every little detail and never hesitated to answer our questions. He was incredibly friendly and you can tell he knows his stuff! Will definitely use him again and will recommend to everyone I know!"

Tiffany R., Hendersonville, TN

Jeff and his entire staff were absolutely incredible throughout our entire experience of financing our new home. Their communication with us was more st impressive. Despite a couple of bumps in the road (which I think will always happen when buying a home!), Jeff and his team’s communications were both timely and encouraging. All issues were resolved quickly and with no stress...at least that we knew about.

John L., Gallatin, TN

Jeff Stine is one of kindest people I have ever known. He takes the time to fully explain the process step-by-step. He goes above and beyond to make sure you are taken care of. I highly recommend him!

Jessica M., White House, TN

Everything was perfect and I cant say enough for the gang at Acopia. I will recommend highly all of my real estate friends and clients! You guys ROCK!!

John S., Hendersonville, TN

Always, always a pleasure to work with Rhonda and her team, my clients and closing attorneys also make the comment on what an amazing team Wendy and Lynn are to work with and Rhonda.

Tammy F., Hendersonville, TN

Jeff Stine was very helpful throughout the whole process of getting a loan. I strongly recommend Jeff to anyone else trying to buy a home. Jeff's team members are very professional and try in any way to help their customers. I'm so thankful I was introduced to Jeff and his team. It was a stress-free experience.

Alberto M., Hendersonville, TN

Thank you again for your and your team's expert help as we navigated this purchase. This is most expensive purchase we've ever made and I greatly appreciate your 'heart of a teacher' for helping answer questions and strategize the best ways to leverage the investment in this home. Your estimates we're spot on, your team did what they said they would every time and the result was the least stressful mortgage process we've ever had.

Tim C., Hendersonville, TN

We really enjoyed working with Jeff. He is knowledgeable and had our best interests in mind. We will be returning to Acopia and will recommend them to friends and family.

Connor P., Gallatin, TN

Jeff Stine and his team we're professional and thorough during the entire loan process. They explained each step along the way and kept me and my husband informed about what was going on. They promptly asked questions and returned phone calls and made the entire home buying process so easy!

Dee G., Hendersonville, TN

Absolutely awesome. Nothing to change. Jeff and his team are the best! I would highly recommend Jeff and his team in Hendersonville to anyone who wants a personal, professional and highly attentive to every detail of the process. Don't even think of going anywhere else! You won't find any location and better people anywhere.

Marilyn H., Hendersonville, TN

Jeff set clear expectations on timelines and expectations for the process. His team was very responsive throughout the entire process. I really felt like I received specialized service!

Michael S., Nashville, TN

Jeff and his team are always a joy to work with. It is reassuring knowing that I have Jeff and Heather working with my clients. I always know the job is going to be handled professionally. Another great job by Jeff and Heather!!

Melenna E., Nashville, TN

Jeff did an amazing job making the process of refinancing our VA home loan as simple and convenient as possible. From start to finish, Jeff made sure we understood every step of the process and he made every accommodation possible to ensure it was an enjoyable experience. I would highly recommend Jeff as a lender to anyone!

John W., Hendersonville, TN

Amy and Wendy have been absolutely fabulous on helping me and keeping me informed through the entire loan process. Amy knew I had a payment range I wanted to stay at and is keeping me there. Wendy has been very responsive in everything I have sent her and they make an amazing team and I was truly blessed to find them. Thank you for all you have done!

Tracy B., Hendersonville, TN

Kuddos to Rhonda and her team!!! Thank you for all of your help to get our refinance done, challenging as it was. Your team was professional, friendly and wonderful to work with. I would recommend you in a heartbeat. Thanks again!!!

Jennifer B., Hendersonville, TN

Rhonda and Acopia were friendly, able to answer all questions, and excellent communicators throughout our home buying experience.

Sarah B., Hendersonville, TN

This was my first home buying experience and I had heard horror stories all around. Rhonda and the Acopia team made the experience comfortable with no stress. They explained things when I needed and were always quick to respond. Great overall experience!

Nicole N., Hendersonville, TN

The whole process was fabulous! Everyone was friendly and professional. We appreciate everyone's help in getting our loan processed! Will definitely recommend Acopia to others!!

Rebecca W., Hendersonville, TN

Rhonda was very responsive and helpful in guiding us through our many questions as a first-time home buyer!

Kara R., Hendersonville, TN

If it weren't for Rhonda and the Acopia team, we wouldn't be living in our dream home!

Laura M., Hendersonville, TN

Rhonda was very patient with our months long purchase involving a short sale home. She matched a very competitive rate and was able to close the transaction quickly despite a hiccup which was not within her control. She helped us work our way through it and meet our closing date! She is very professional and responsive and we very much appreciated the job she did for us. I highly recommend her!

Alesa R., Hendersonville, TN

Rhonda and her team went above and beyond by even checking with the IRS for a client to get the information we needed to close!

George A., Hendersonville, TN

The day before closing, the sellers were not able to sign so we had to push the closing out 5 days. Rhonda and her team were on top of things and made the changes needed and it wasn't a problem at all!

Shellie T., Hendersonville, TN

It was a very pleasant experience with all the associates at Acopia. Rhonda Holt, Lynn Moeller and Gwyndolyn Shelton were patient and helpful. At the closing, I was taking it all in as Sharron was wagging Dottie around, and Rhonda was making her smile. It was a very special closing that I won't forget. Thanks to all y'all!

Franklin N., Hendersonville, TN