I purchased my home in Irvine, CA at an interest rate of 6% in October 2022. Everyone knows that…read morerates increased to between 6.8% and 7.5% from 2023 to 2024. The Federal Reserve cut the rate by 0.5 percentage points on September 18, 2024. My friend informed me that the refinance rate dropped below 6%. I began searching for a new deal to refinance my primary home and submitted some requests with my property and personal information online. At the end of September, Hugo at the Loan Exchange texted me about a great deal. He mentioned that since my credit score was over 800, I qualified for a 5.625% APR with free refinance (0 points, $0 lender fees, and $0 third-party fees). That's exactly what I wanted. The refinance process went smoothly, and my loan was finally funded. If rates continue to decline in 2025 and 2026, I will definitely contact Hugo to arrange another free refinance. I highly recommend Hugo as a capable and professional loan officer.

I recently just refinanced my mortgage with Loan Exchange. I…read moreworked with Daniel Chau. I am a 34 years Real Estate as well as 10 years as a loan processor. My expectations are set very high with my experience and how I managed my files. When I first spoke with Daniel I let him know that I normally work with a person that I have had many wonderful experiences with. I was very concerned about trying someone new. Daniel asked me to give him a try. I decided to and I am so happy I did. Daniel met every expectations that I had. He always answered my questions and took the time to explain different scenarios. He answered my emails and phone calls every time. Even know sometimes I would call or email him on the weekends. He was in the office or on his cell he was there for me. Since, I am in the business I tend to want to mico manage. I didn't have a do that with Daniel. I plan on doing a home equity loan with Daniel as well as another refinance. I highly recommend giving Daniel a try if you want a smooth transaction. Everything Daniel promised me to expect he delivered. I also would like to add that after the loan closed. I received a phone call from Angela from customer support to make sure my experience went well working with Loan Exchange. I appreciate the fact that they do a follow-up.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

This is my first home and my first "ReFi", so even though I'm a pretty competent person, I was very…read moregreen, cautious, and nervous about it. So I really did my due diligence when looking for a mortgage company to do my refinancing of my home. I had narrowed it down to the company I currently had my mortgage with- and two others (Interactive being one of them) and was Alex ever the right choice!!! Alex Reyes was patient, kind, knowledgeable, experienced, and EXTREMLY  professional. He went above and beyond explaining (and reexplaining) the processes, and all the legalities associated with doing a Refi. Alex made me feel comfortable and confident that I had chosen the right lender (over and over again! Poor guy! LOL) and he streamlined the entire process (making it SO easy for me to get him what they needed) and assisted me time and time again. I never once felt "handed off" to anyone or "just a number" (especially during these times when I know EVERYONE and their dogs are getting refinanced)... instead, I felt as though he was virtually holding my hand through the whole thing and feel sooooo grateful and blessed he was referred to me. I really can't say enough good things about Alex Reyes and Interactive Mortgage. Best part: I was successfully funded in record time. Clearly, I HIGHLY recommend Alex Reyes and Interactive Mortgage to ANYONE requiring funding or refinancing. "Awesome" doesn't come close to the experience I had with them.

I think they're out of business: Phone has an introduction,…read morethen disconnects. Website goes to an empty domain. Originally it was Winnpointe Dba Interactive mortgage -

If Mamba Mentality was a loan officer, her name would be Christina Cho…read more My fiancé and I discovered the dream of a first home and within that same week of expressing our interest, Christina and her team got us pre-approved and equipped with the knowledge we needed to confidently move forward with the financial component of buying a home. From the get go, Christina had our best interests in mind, making sure to call and check in with us at key points throughout the loan process and ensure that we actually understood all that we were moving forward with. More importantly, when we did have questions or concerns, Christina carved out the time to help get us caught up to speed. Despite the two major end of year holidays, Christina's decisiveness and practicality combined with the precise foresight by her team - Tiffany and Ann - allowed us to steamroll through loan process. We went from expressing our interest in a home without any prior knowledge to the process or having been pre-approved to, within 30 days, receiving our keys to our new place. If you're serious about buying a home and can take care of business, Christina and her team will see you through the finish line.

I am incredibly grateful to Christina Cho and her team at Lock & Key for guiding us through both…read moreour first home purchase and, most recently, our refinancing. From start to finish, they supported us every step of the way--negotiating the best possible deals and breaking down complicated terminology and processes so we could make informed decisions with confidence. They were always available to answer our questions and even made time during the Christmas holidays to help us navigate some difficult decisions, which truly meant a lot to us. A special shout-out to Ann, who was amazing and consistently helped us work through logistical challenges. We are so thankful for the dedication, professionalism, and care from this entire team. Highly recommend!

I was referred to Justin by my agent who told me that Justin was his go to person for all things…read moremortgage loans. I'm so glad that I went with Justin because he made the process so smooth and painless. Justin was super responsive and never made me feel like I was asking too many questions. It truly felt like he was a partner in the process and like he had my best interests in mind. He is super on top of things and I would recommend him in a heartbeat to anyone looking for a mortgage lender!

Justin is an awesome loan broker. He is not only knowledgeable and trustworthy. I am the listing…read moreagent in the transaction. He has been keeping me updated for every steps until the loan funded. I really appreciate his hard work and highly recommend him to everybody.

I had two loans with Essex. They just transferred. I will miss Essex servicing my loans. They…read moreare great!

I spoke with ASH today regarding a payment and I had a few questions that I didn't have the answers…read moreto so Ash answered them. She was kind, patient and helpful. I have been working with Essex for about 2 years now and I have always had a good experience. Thank you again Ash continue with your awesome customer service.

May2020 WE ARE BACK!!!!!…read moreThe Luna Group helped us with are ReFi and with a lower interest rate and extra money from equity in our house, we are able to finish up projects in our home to get ready to sell!!!!! Thank you Manny and the Luna group Team!!! Blessings Vanessa and Dan April 2018- Many was great to work with and EXTREMELY HELPFUL and especially since we were dealing with a past bankruptcy and raising Credit scores. Our process ended up taking longer, only because we were dealing with issues on our end, but Manny was always patient and knowledgeable. He was always working hard to get us the best rate. This is going to be a lifelong working relationship, my husband and I are completely satisfied and we look forward to the next time.

Manny and his team were very helpful with my loan approval and made it easy for me to apply for my…read morehome loan. Throughout the process they provided excellent customer service. I will definitely recommend his service as well as be a returning customer.

Peter was the most accurate, efficient, and responsive professional I worked with throughout my…read moremortgage process. After going through multiple agents and even changing mortgage officers twice, I was under significant stress and time pressure--but thanks to him, everything moved forward smoothly without any issues. I truly appreciate all of his help and professionalism, and I would absolutely recommend him to my friends and anyone going through the home buying process. Thank you so much!

Peter honestly swooped in and saved the day when we thought all hope was lost. We had some major…read moreissues with our initial lender which didn't follow through. But then we got in touch with Peter, and what a difference. He picked up our case and got everything sorted out for us incredibly fast. Thanks to his hard work, my husband and I are now officially homeowners. As first-time buyers, the whole process felt a very daunting, but Peter made it so incredibly seamless and easy to understand. He's super efficient and gets things done. We're so incredibly thankful for everything he did to help us close on our new place. We will for sure reach out to him for any future needs.

My family and I needed an experienced realtor that could navigate the potential twists and turns of…read moremy grandfather's trust. Meridox turned out to be the best choice we could have made. Trung and Linh were consistent with their communications with us and kept us informed on all aspects of the listing, negotiations, and escrow processes. From our first meeting, they were well prepared and did their homework. Comps and initial estimates were extremely helpful. The most impressive aspect of their services was the negotiations, with multiple offers received, Meridox carefully orchestrated another round of bidding, culminating in us receiving the highest and best offer. Disclosures, paperwork, and escrow were a breeze. I would highly recommend their professional services to friends and family, and I would use them again in a heartbeat!

I thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

Michael was amazing to work with while buying our first home. He was transparent, communicative,…read moreand incredibly patient with us throughout the entire process. As first-time homebuyers, we had a lot of questions, and he always took the time to explain everything clearly and keep us updated every step of the way. He made what could have been a stressful process feel smooth and manageable. We are so grateful for Michael and the entire team, and we're very glad we chose Coastal Pacific Lending!

We used Kelly Addison at Coastal Pacific and we couldn't have been more impressed. She was very…read moreprofessional and communicative. We had more than a few issues during this escrow (property, selling agent etc) and she reassured us it would all work out.....and it did. Very happy. Would use her again! Thanks Kelly!