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Cosmin Iacob

Vice President of Mortgage Lending
14811 N. Kierland Blvd, Ste 100, Scottsdale, AZ 85254
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NMLS: 398822
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TestimonialsCustomer testimonials Read more

I wanted to thank you for all the hard work you guys did on getting my loan taken care of. My wife and I are very happy and pleased on how the loan process went. Cosmin, thank you for answering all my questions multiple times even during weekends and for your hard work on getting my loan approved. I will definitely mention your team to others who are in the market. Thanks again!

Adelin S. | 08/03/2016

Best rate, fast and so easy: all documents sent and received electronically so never had to leave home; excellent support from agent, Cosmin Icob: always accessible, clear explanations, prompt in returning calls even on weekends; support staff, Kristin and Alexandra, equally supportive and helpful.

Elaine F.

Cosmin was very professional, and was very easy to get a hold of, and kept me updated often.

S. Kalsi

Cosmin provided great service and was prompt with his follow-ups to my questions! B. Bates CA jumbo refinace

B. Bates

Cosmin Iacob was outstanding. As a retired banker, I understand the process and very much appreciate how professional, attentive, and responsive Cosmin Iacob was. Outstanding service

R. Medress - February 2016

Cosmo is a great Loan Officer. Definitely recommend him. Thank you Cosmo for all your help & hard work!!!

Baloiu V.

Thanks again for all your help and making this such a smooth process.

S. Kache

" Process was very easy. I really appreciated that every thing was online and easy to do. Our loan Officer - Cosmin Iacob was great. He was persistent and convinced me that we should refinance our house, answered all my questions, and made the entire process accessible and not so scary. "

Saraswati K. – Palo Alto ,CA | JULY 2015

Cosmin was very professional. I enjoyed working with someone familiar with the Phoenix market.

Bradley B. - Litchfield Park, IL | Dec. 2014

Cosmin and his team made the process go faster that we expected!

Cristian P. -- 8/25/2014

Guaranteed Rate is a great organization with competitive rates and excellent support. I allready recommended my co - workers to use Cosmin and his team.

Matthew W - Purchase, 8/01/2014

Thank you foy your help with my purchase. I am ver happy with the outcome. Thank you Cosmin.

Doina V. Purchase, 2/26/2014

Very satisfied with the service and process. Cosmin is a professional that knows his business.

Steven S - Goodyear, AZ 4/15/2014

Great experience Cosmin - we will hear from us in the future!

Romulus S. - Surprise, AZ 5/17/2014

Thanks bud! You told me that you have the lowest rate and it was true. I shopped around and nobody could match your rate for my refinance.

David S. - Phoenix, 6/06/2014

Thank you for what you did for us. Buying a home with no closing costs was the most you can ask for.

Doru S - Glendale, 4/18/2014

Cosmin was extremely informational and helpful!

Charles S. - refinance, 7/22/2014

Cosmin was my last hope to refinance my home. I cannot believe this is done and real. This eases my life tremendously. Thank you.

Virgilio S. - Garden Grove, CA 4/11/2014

5 stars service and rates for my refinance. Thanks again.

Gary P. - Refinance, 5/19/2004

The process was faster that we were expected. Cosmin and his team were very helpful throughout the process.

Cristian P. - Phoenix, 8/2014

Cosmin was wonderful to work with! He always answered me promptly to my questions.

Angie J. - Maricopa, AZ 7/18/2014

I got a great rate for my refinance. All terms were explained from the beginning of the process with no changes!

Oahn H. - Moreno Valley, 2/20/2014

Cosmin was the best! He was able to get my purchase done in 2 1/2 weeks!

Hriscau A. - Phoenix, 8/07/2014

Much better experience with you than the prior loans with other companies. Thank you!

Mihai F. - Refinance, 7/14/2014

Cosmin I added you on my contact list as my guy for anyone looking for mortgage advise. 5 stars service!

Christopher D. - Purchase, 4/07

Cosmin was great! He always took the time to clarify and address questions. We were informed in making the right decisions!

Razvan D - New York, 2/18/2014

Cosmin Iacob is a great loan officer. He made sure all aspects of the loan were handled!

Michael D. - Purchase 06/2014

I received personalized service! Cosmin - was always quick to respond, so very helpful, and took the time to help me understand parts of the mortgage process that I found to be confusing.

Adrian B. - Refinance, 2/2014

We were advised by the loan broker, Cosmin Iacob, that it was his opinion that we should wait for rates to come back down, which we did. It took some time, but the point is, Cosmin was correct in his advice, and I am very glad I waited.I was very satisfied with the outcome!

Gregg B. - Refinance, 7/2014

Cosmin was great to work with! He was helpful throughout the process. I am happy with the rate that I received.

Alex P. - Phoenix, AZ 7/01/2014

I thank you for all your hard earned work regarding my clients. You certainly went the extra mile on this one and done a fantastic job. I will call you next week. Enjoy the weekend.

Denise K. - Realtor, 06/06/2012

Let Cosmin know - I need him to send me some business cards. I'll recommend him/your office to anyone interested. He is the man!

John B. - Phoenix AZ 06/16/2013

Cosmin was referred to me by a friends that used him, and now I know why he referred me! Cosmin was a great loan officer, he accommodated me to all my needs, and even assisted me when he was on vacation (who would do that for you?). He was great and I would use him again and definitely will refer him to anyone needing mortgage assistance !

Rodica M. - Phoenix, AZ 12/15/2013

We appreciate the dedication, good opinions, quick responds when in need, & laughter we shared with Cosmin. We will miss working w/ him but glad to be in our beautiful home. Thanks to Cosmin....You Rock !!!  

Bogdan P.- Peoria AZ 05/11/2010

Cosmin was great at keeping me updated as to what was going on and answering questions I had along the way!

William B. -- Lorton, VA 7/15/2014

Cosmin, My wife Leeann and I want to thank you and your amazing team for an outstanding performance regarding our recent home purchase. Everyone was ahead of their game both professionally and knowledge wise. The process was much much faster than we had ever expected and the whole team working together made us feel like you were truly concerned and most importantly connected throughout the entire process!Thank you for your services, we would and will recommend you to friends and family. Gary &...

Gary & Leeanne , 12/11/13

I know Cosmin to be a genuine person, and a solid mortgage advisor/loan officer. I have referred all of my clients and friends/family over to Cosmin, even if they just had a general question about the mortgage stuff. 

Mircea B

It has been a pleasure working with Cosmin Iacob. He kept me updated on the status of the loan and he was prompt with his responses. I recommend his services to everyone who needs help with their home financing.

Amalia Cimpean, Realtor with Award Realty

Cosmin: Thank you for your quick response....we are a little unfamiliar with all of this. Thank goodness we have people to lead us by the hand through all of this. We appreciate all you have done to make this purchase possible.

Jane Carmichael

Cosmin, Thanks for all your help on this matter! The easiest purchase process that we ever experienced and we had plenty. Do you have a facebook page that I can put a LIKE on? Cheers!

Jim, Home Purchase Client, 5-13

The fact you met us and walked me in and out was very pleasant. You have a lead on success! Thank you for the speed and professionalism from you and your team. EXCELLENT SERVICE. 

Robert, 5/13

I would like to use you as my go to loan officer!  We had a much better experience with you than the person who did the purchase!! Nice job. I have your cards – you are an amazing LO.

Pamela - Financial Advisor

The timeliness of the service was excellent from start to finish, his service was very informative with the aspect of what you need to do first off when starting to look for a house, and I was thoroughly impressed with the way all relevant issues were comprehensively explained.  I would recommend Cosmin’s services to anyone thinking about getting a loan.

Buyer - Cristina C., Glendale AZ

About Cosmin

Over ten years in the mortgage industry as a loan officer has allowed me to create energetic teams of professionals and systems to help me achieve a level of customer service that I would want as consumer. My goal is to make your mortgage finance experience enjoyable, predictable, keeping stress levels low and confidence high by communicate clearly with all parties. I control the entire process from beginning to end. Whether you are purchasing or refinancing, I can help you obtain your goals.

Cosmin interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
12 years
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Choosing a mortgage between fixed rate or an ARM depends mainly on how long the someone will keep the property. ARM’s have the advantages of a lower introductory rate, hence more savings over a shorter period for term of 5-7-10 years. Fixed rate provide piece of mind of a stable rate regardless of market changes in the years to come.
What can borrowers do to insure a smooth mortgage underwriting process?
To be frank and provide all the details upfront. This is the key for a smooth underwriting and no surprises.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Playing sports and travel.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was born in Transylvania and Dracula castle was next to my city 20 miles away.

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