I would like to echo NewUser N's review. I have been receiving letters from Activus Home Loans for getting my mortgage refinanced. The letter is full of language and visual signs to trap the user into calling them for refinancing. But has a number of transparency issues (lots of bad details are pushed to footnote with small text). ...without reading the fine print it looked like my identity was stolen. read more

Julia R. Was definitely a breath of fresh air for me. I had many offers for refinancing my home but I put my ball in Julia's court and she delivered big time. She was very attentive and made herself available to answer any of my questions and to ease any of my concerns. My escrow closed within the time frame that I was given and I was very pleased with the end result.. I would strongly recommend this lady for any of your finance or re finance needs. read more

I've been blown away with Christina Cho at Activus Home Loans. She's brilliant, detail oriented, and so informative. Having her do the refinancing of our house has been a streamlined, positive experience. Christina takes care of everything and is the best communicator, making me feel so at ease answering any and every question I have. She's the only mortgage broker I will deal with in the future because she's that good and got us such a great deal and locked in at an amazing rate. Christina Cho, thank you so much for all the support you've given our family during this process!! I appreciate your kindness and knowledgeable mind so so much. I'm SO grateful I found you!! Respectfully, The Powell Family read more

These people are very unknowledgeable and from the reception to some off the loan officer just want to make the commission after they get the money don't bother asking them for help because there costumer service is the worst because they got thier commissions and you are history you pretty much have to set everything with the lender and they said it could be done biweekly which is another lie or lack of knowledge by a loan officer who doesn't care what they promise because they don't even know what the lender can or cannot do but that will be your problem because they don't care after they got their payout I would avoid this institution at all cost because thier just nice until they got your money horrible costumer service read more

Although we had a very tricky and complex refi process, our loan officer Brad navigated the entire process with patience and grace.

Janek was very pleasant and explained everything throughout the process very clearly.. It was a very fast refinance. I will definitely refinance with Janek again read more

We just closed our re-fi at an excellent interest rate. Alika Bautista was wonderful in his communications, and the process was the easiest re-fi we have been through. I was hesitant about going with a brokerage with which I knew nothing about, especially dealing with them only by email and not meeting face to face, but Alika reassured me and walked us through the entire process. A+! read more

Very easy process. They answered all of my questions up front in a clear and and easy-to-understand way. My refinance proceeded quickly and only took a few weeks from beginning to end. read more

I have been receiving letters from Activus Home Loans for getting my mortgage refinanced. The letter is full of language and visual signs to trap the user into calling them for refinancing. But has a number of transparency issues (lots of bad details are pushed to footnote with small text). Some bad/unfair practices I see in their letter: 1) Never mentions that their offer is optional. 2) Its very difficult to know where the offer came from. I had to hunt in footnote. 3) They tried to push me a 5/1 ARM at marginally lower rate to replace 30-year fix. Don't highlight the nature of the loan being offered anywhere but footnote. 4) Do not highlight that my loan will get extended to another 30-years by re-financing with them. Some predatory language from the letter aimed at trapping users: 1) It is important that you call our Loan Department toll-free .... within 5 days of receiving of this notice. 2) "PLEASE COMPLETE BEFORE JUNE XX, 2018" 3) PLEASE COMPLETE: STEP1:... STEP2:... 4) It is important you call toll-free 1-888-..... read more

Alika B. was our consultant on the refinance process and he was amazing. He walked us through all of the details, told us what to expect in advance of the process so we were aware of everything every step of the way. The financial numbers stayed the same throughout the process, so there were no surprises at the final signing. Alika is intelligent, honest, and has excellent communication and personal skills. I am very happy with the customer service and the results. And this is not the first lender I have spoken to regarding a refinance. So I have been able to compare service, quality of service and customer dedication. read more

I used Cinthia Lugo, from Activus Home Loans, Irvine CA for refinancing. Not only did I get a very good rate, but my loan processing went very smoothly and was approved in just days, not weeks, unlike any other lender! I strongly recommend Cinthia and Activus Home loans for your financing need. Rathin N read more

Well I've received many calls from different loan officers representing activus and for some Reason all agents never follow thru. First one seemed to have moved to a different company, second one was no where to be found and third decided to be a no show to our appointment, never following up with us. I guess they don't need new clients or business and by the looks of their other reviews this is a pretty common outcome here. read more

Just completed my refi and let me tell you about Joanne Mullins!!! Top notch through out the entire process. Attentive and helpful. She is a well of knowledge and helped with the smallest question to the biggest resolutions for any hiccups. She helped with my home loan and I had the pleasure of working with her again for a refi. Joanne, I appreciate you and all your hard work. Thank you!!! read more

ARMAN G. IS ABSOLUTELY AMAZING!! I was helping my parent's try and find a company to do a refi for them on their house and after searching high and low I was referred to Arman G. over at Activus and he was so knowledgable and professional. He was able to quickly address any questions or concerns we had and he kept his word always calling when he said he would and delivering what he promised. From now on my family will only use Arman for any of our mortgage needs. We are looking to purchase our first house later this year and I know Arman and Activus will be who we will be using! Seriously, look no further if you need help with a purchase or a refi call Arman! read more

I'd just like to say that I would never do business with a company who sends out deceptive mailers like the one I rec'd today. There's not even a company name on the envelope or anywhere prominent in the letter. Only in the very fine print at the bottom. Letter is designed to trick the reader into thinking it's an official notice from their current lender with instructions that it's important to call within 3 days of receipt of the notice and use a special pin. Completely unethical, and really should be illegal too. read more

I emailed a guy who I had worked with in the past to see about refinancing my current loan. A day later I got a call from a different employee stating that my guy is out of the office (for an extended time, with no return date set). I asked where he went and the guy said that he would be happy to help me. Red flag right there. Any way, I went along with it. Almost got to application submittal, and decided to try a cell phone number that my guy had given me. Come to find out my guy had gone to a different company. Hate being lied to. Just be upfront. They quoted me a great payment, but sadly I will not do business with Activus, anymore. read more

This company sends out deceptive mailings. I would never use them because of this. If it's a legitimate, strong, highly rated business, why would they have to resort to these slimy practices? read more

My experience with Activus has been beyond impressive. Alika Bautista and his team are very professional, what stood out the most was Alika's ambition and efficiency to provide me the best customer service! My loan closed in record time; I and my wife were very impressed! THANK YOU ACTIVUS! read more

After spending months working thru the details them and even had termite work done, which was suppose to be included in the loan. They kept telling me I was already approved. They found one bad issue and then told me I was no longer approved. Basically they lead me on the whole time read more

Worked with Michele Berman who was amazing. She carefully and patiently guided me through the way process. We spent several hours talking, texting and emailing during this time. I felt confident with her and all her knowledge. She was wonderful follow through and excellent communication. She was able to help our family in so many ways. I highly recommend Michele Berman for any and all home needs. I felt and feel that she is honest in what she can provide. I cannot wait to work with her again in the future!!! read more

I just had my home refinanced through Activus Home Loans. I began working with Bradley Martinez and Alyson Meyer beginning 2 weeks ago. Today, 2 weeks later, my loan was approved and the extra monies requested, are in my bank. They both made the process fast and easy; I filled out all the forms online, signed all the forms online, and emailed my forms to them for approval. Both were an email or text away for all my questions and concerns. I highly recommend Activus Home Loans if you are in need of a refinance. Jacqueline W. read more

Wendy King. I am pleased to say that we were without a doubt very content with the services we received from Wendy. Whenever we had a question about anything Wendy was quick to respond. The experience and knowledge she brings to the table makes the process much more easier and efficient. I would recommend Wendy to all my friends and family members. read more

Biggest waste of my time. Four months to deny me? Glad I was approved in July and sent the same documents over and over and over while voicing my concerns that one creditor was ruining my credit, hence why I needed a consolidation. Also, there were three people handling my account and not once did I have a clear definitive answer on the terms. Then I was told we will for sure close by the end of the month, so it's ok to not pay Oct. Well guess what? We didn't close by October and that was a reason I was denied. Hilarious. Save yourself the aggravation and go elsewhere. I blame myself. I had a bad feeling the entire time. read more

Ok so I got that mailer from Activus. I had been talking to another company about a refinance and the guy said he would call me back at a specific time... never called, well his loss my gain cuz I got ahold of the awesome Michele Berman, what a powerhouse, very happy and positive person. She did what she said and helped us to refi. At a great rate. Wow saved a couple hundred a month. Thank you Michele read more

Very satisfied with Activus loan services. Joseph Potts, who was my loan officer did an extremely great job of getting a loan for a refinance that was way lower interest rate than I expected and also made the whole process very smooth and zero stressful. I really appreciated his professionalism and patience in going over all the questions I had as well as responding in a very timely matter. If you work with Joseph you won't be disappointed! read more

Arman helped me out a lot. We got my refinance done really fast and he worked around my schedule. Really professional and really helpful.

I had the pleasure of working with Michael Underwood on my first ever refinance experience. I can be a bit of a worry wart but Michael was very patient and always took the time to answer my questions and ease my concerns. He was knowledgeable of the entire process. When it was all final I was able to get a lower interest rate, lower monthly payment and pay off outstanding debt. Definitely will recommend him to family and friends! read more

This review is specifically for the services I received from Kiley Shank, who is a senior loan consultant, and Melanie Green, who is a loan processor at Activus Home Loans. I have worked with Kiley directly for the purchase and/or refinance of THREE homes now, and no one has been able to beat him in the service and commitment he provides to his clients since I met him. If that is not a testament to his abilities, I don't know what is. He is attentive, thorough and went above and beyond to get us pre-approved for my parents' retirement home and refinanced for my entire family's current residences. You'd be surprised how time consuming refinancing is - almost as stressful as purchasing a home. But no matter what task, Kiley always takes the time to explain everything to me, making sure I understand what's going on, and always makes sure to update me throughout the process. Both him and Melanie were and continue to be available to help answer any mortgage questions we have, and that's not something most people are willing to do once they are done with you. They truly do care about their clients and want them to succeed. For this reason alone, my family and I will keep going back to them for all our real estate needs. Thank you Kiley and Melanie! read more

If you need help finding a loan company for refinancing or any other type of home loans look no further. I had the luck of receiving a phone call from Alex Reyes inquiring about any help on receiving information on or about refinancing. Well to make my review short Alex Reyes went well beyond his job requirements regarding customer service. He explained very thoroughly the process and I was able to go and finish the refinancing in about 25 to 20 days. If you could put the experience in words , WOW!!!! would be the most appropriate exclamation regarding his expertise and experience regarding his job performance .Again I like to emphasize his professionalism and Activist take notice that Alex Reyes is an extraordinary employee that should be commended for his performance. read more

Benny B. Michele Berman was bitchen. Right from the beginning to the end she was assisting us through the entire loan process. She was able to relate to the situation I was in and with a can do attitude she handled business. I would highly recommend her and Activus. Gracias you kick ass read more

I recently worked with Samuel Jimenez and Alyson Meyer to refinance my home, we endured a few hurdles but they were both steadfast in assuring me and worked towards clearing any issues. I was able to get a lower rate and reduce my mortgage all while being able to pull some money out. I was one to frequently call with concerns and questions and Samuel was patient and took time to answer them all, I would definitely recommend them to friends and family for any future home buying, selling and refinance needs, thank you SAMUEL JIMENEZ and ALYSON MEYER!!! read more

What a refreshing experience to work with Kevin Shank and Casey. Prompt responses, professional service, and even sympathetic communication. I had attempted to refinance just one property with another lender, and I discovered that not all lenders are created equally (the other lender - names will not be mentioned - was unresponsive and slow... to the point where I thought my refi request was silly/too much to ask). Enter Kevin and Casey. The clouds parted, sun came shining through...seriously. They made the whole process seamless, super quick, and painless. Not only that, but they refinanced two of my properties simultaneously! You will not find a more dedicated team in Kevin and Casey. read more

ALEX REYES ALL THE WAY!!! First time refinancing my home and it went smoothly! Alex Reyes was very helpful throughout this whole experience. He kept in contact and kept updating me on any new changes. He was very thorough and had the patience to explain everything in detail. I'm very happy with the outcome and much more happier that I will be able to save some money! Activus and Alex are highly recommended. read more

2nd time around with Michele Berman..... I have had the pleasure of having Michele handle two of my Refi's in the last year or so. Although she is persistent ( in and positive and good way ) she is demanding in nature and right on the money. She is knowledgeable and resourceful when it comes to the market. Her multitasking skills compliment her ability to finalize the closing of any deal. She works hard to achieve the best for your investment. She is a pleasure to work with and I recommend her to anyone. Thanks Michele and Keep up the great job... read more

You know how you get those annoying letters in the mail saying lower your interest blah, blah, Well I had been shopping for one anyway and what caught my eye was my name was spelt correctly on the mailer. I called and started the process only to be told it would not work, I did not qualify. But the guy was nice so I kept his number. Six months later I called and reach Michele Berman, that guy I originally was talking to was no longer working there. Michele Berman was aggressive, but not pushy and she reminded me of New York. Her voice sounded like my next-door neighbor who happens to be Jewish. Her voice has a sound and quality that I resonated with and bottom line she kept her word, the Good Faith Estimate was honest. I signed papers last night this took 6 weeks max. If you are looking for a refinance, great interest rate, someone who knows how to get your loan closed call Michele Berman at Activus Home Loans. read more

I had the pleasure to work with Todd Zelcer, he was refer by my wife co worker. Todd kept me update with the whole loan processes and also took his time to give me a break down of my saving. Originally I wanted to do a conventional loan but since I started a new business, I dont have any work history. I also have too my debt to income ratio. When I call other loan officer and they told me I dont qualify but Todd gave me options, who doesnt like options. I can pay down my debt or do the new FHA streamline. So I decided with the streamline and it save me close to $300/month. He was very helpful all the way and even answer my email/txt on the weekend. You can tell if someone love their job and hes one of them. Always so chippy and happy, he also gave me the most lender credit. I already refer him to couple of my friends and family. Word of mouth is the best advertisement but I got to show him some love and put him on yelp. A++ in my book. If anyone need a refi or a loan gave Todd a call from Activus so he can gave you a free quote. I doesnt hurt and maybe he can even save you some money. read more

I've just completed my second refi with Activus Home Loans. Both times I worked with Jennifer Blaskovich and was very satisfied with the personal attention I received. Jennifer actually reached out to me just at the right time to combine my equity line of credit with my home mortgage and save me more than $250 in doing so. She was able to lock in a great rate, get the appraisal ordered and close on the loan within a few weeks. Jennifer was professional, informative and at the same time, very personable. I felt like I was doing business with a friend, someone who had my best interests at heart. All went smoothly and with no surprises. She kept me in the loop during the entire process. Thanks, Jennifer, for taking such good care of me. read more

Be very careful! This place is a bait and switch. My experience was horrible. I dealt with Bobby, I was looking to refinance and pull some cash out. I have received a letter from them, I was given a quote and it looked pretty good, so I agreed to have them run my credit. Then I was given a better estimate, which was about the same. I specifically asked Bobby about the price and if it would change. He insisted he was being honest and the quote he was giving was 100% accurate. He then sent me the paperwork and as I was reviewing it I noticed there was a fee added for a point on my interest. I then called him and he said he was unaware and it was incorrect. strike one.. The next day we used a different lender and sent me over a new estimate, which I was okay with it. The next problem was the appraisal, Bobby was valuing the house too high, which I told him several times, but again he insisted it would come in at that price, and if it didn't we would still be okay. I told him I wanted to hold off on the process until the New Year.. He then became extremely pushy which was a bit uncomfortable.. Strike two.. I made a mistake and went along with the loan, and the appraisal was below the price as I had told Bobby. Keep in mind, I spoke them him on the phone about the value before I PAID for the appraisal. And if he was sure, because this was coming out my pocket, He said YES. Well it didn't happen that way, now I am stuck paying a appraisal, The estimate on the loan now is 4k more of what we agreed. I WILL NEVER DO BUSINESS WITH THIS COMPANY. And suggest anyone whoever does, be cautious read more

HUGE SHOUT OUT TO TODD ZECKLER AND DENISE PRICE! I've been dealing with Todd Z & Denise P at Activus and they've been super. I can't express how nervous i was about approaching refinancing my condo b/c I got hit pretty hard with the housing bubble; I bought at the height of the market in 2006 and was underwater until now. My local banks wouldn't touch my refinance. I've always been able to make my mortgage payments thank God BUT because i was underwater, my loans (I did an 80/20) were underwritten by the CEO and COO of the credit union so not Freddie or Fannie backed, AND my credit has never been stellar so I was up sh*ts creek w/o a paddle. Then when I started researching lenders and mortgage refi's, I was put in touch with Activus. Todd called me right away and I think I asked all the right questions, answered all of his, and his answers definitely helped calm my hesitations about working with a company I hadn't heard of. There are so many shady businesses in this industry so I definitely had my guard up. Todd crunched the numbers with me on the phone, he checked my credit and assured me that it was definitely a "sweet spot" number and he gave me several options for refinancing both my mortgages into one fixed rate. Once we started the process and began doing the loan, Todd & Denise were on top it. They are in touch with me every step of the way, walking me through the process; when the appraisal wasn't ordered right away, Denise was on the phone that day, within 24hrs I had an appraisal scheduled. We're still in the process of getting the loan funded and of course we have to wait and see what the appraisal comes back for but I'm just so impressed with Todd & Denise; they've been perfect...even from all the way on the other side of the country! read more