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.

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was…read morewith Tiffany who was incredibly informative, authentic, and responsive. After talking with Seth, there was zero doubt in my mind this is the team I want to be a part of. The group has been outstanding from beginning to end with getting the second home loan. It feels incredibly personal and they are most definitely there to hold your hands and encourage you. I had a bit of a panic attack one day during the process and reached out to both Seth and Tiffany. They were able to bring me back down to Earth, reassure me, and bring me back to feeling excited. This was exactly what I needed. Short term rentals are still very new to me but if you need a team to get you through this, this group is the one. Cannot wait to continue to do work with them.

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.

Fast, Reliable , Knowledgeable Reynaldo S and Fortune S, La…read moreMirada, CA We have spent days looking for the best mortgage companies out there but nothing meet our expectations. So, finally we got a letter from Interactive Mortgage we the best offers for refi that we can't refused or turn it down. My wife Fortune dialed the number on the letter and luckily William Wilkie picked the phone. William Wilkie is a loan officer who did our loan and put all paperwork together in due time. On the other end was Carlee Gunderson, a loan processor who was responsible for making our dream come true. We are very very satisfied with the friendly service and expertise of these two staff. Make your refi a reality. Time is important. Just do it now! You are in good hands with them by calling William "Wiil" Wilkie at (714) 922-9516 and Carlee Gunderson at (949) 635-4017. Do your refi when rates are low? They are waiting for your call?

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 -

There's a reason you only see 5 star reviews for Christina and the Lock and Key team... they are…read morethat AMAZING! We went into this with home buying experience with no clue about the steps, zero idea about how much we could afford and needing a strategy to get the keys to our first home. Christina and her team MADE it happen! The team guided us through every step ...Everything was upfront and clear ... They always looked out for our best interest, even till every end of escrow! You will not be disappointed by this team because they won't let you down. I couldn't imagine a better team helping us get the keys to our first home!!! Thank you Lock and Key

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.

JUSTIN IS AMAZING!!! He's knowledgeable, personable, fast, efficient, meticulous, communicative,…read moretrustworthy, and will make your loan experience enjoyable!! Our escrow experience was incredible because of the seamless work between Justin & our real estate team. Justin was always available to answer all of our questions and encouraged us when our anxieties ran a bit too high. We HIGHLY recommend him to anyone, everyone who's looking for a good and reliable mortgage broker.

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!

Michelle was excellent, super and above and beyond. She maintained the wonderful customer service…read morethat Essex in known for. She was patient, VERY informative, gave me some helpful tips and additonal information to my issue. Please give her a raise or a promotion! :)

My family had multiple negative experiences with this "company" while they were our mortgage…read morelender. They threatened us within the first month of us being with them. They repeatedly would tell us they would fix something only for it to not be fixed. One specific instance with them happened in the last year plus. When we refinanced our mortgage, the title company sent in the wire transfer for the payoff. We received the receipts confirming the wire transfer was sent and everything was fine. A few days later Essex was telling us a different story. They claimed the payoff was sent in late and was not processed until a few days later into the next month. We find out about this a week later via our bank's credit report alerts. When we called Essex to find out what happened, they claimed multiple things. We didn't send in the payment on time, the title company messed up, and finally our payment was flagged for "domestic terrorism." Each of these claims were easily disputed with facts and receipts, except the domestic terrorism claim. It took us a year to finally get in contact with the government agencies to dispute this one. Each claim Essex made was false and ultimately a lie. The government agencies laughed and said that Essex's claim was bogus. Essex was ultimately trying to cover up a mistake they had made before a holiday weekend. Upon Essex, and the government, confirming our payment was submitted on time, Essex claimed to submit a manual credit fix on their end and told me they would fix it. They did not. 2 months later, I called again to get them to fix this and they claimed it would be fixed at the beginning of the next month. It was not. In the 2-3 years we had Essex, it was filled with stress, lies, incompetence, and repeatedly blaming us for their mistakes. Believe the negative reviews you hear and question the validity of the positive ones.

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 is an excellent loan officer. He went above and beyond to help us secure our loan in a timely…read moremanner. He was very transparent and honest about the loan terms, costs, and requirements, and he clearly explained all of the available loan options so we could choose the one that best fit our situation. Peter was always willing to go the extra mile, even working evenings and weekends when necessary to keep everything moving smoothly. His professionalism, responsiveness, and dedication made the entire loan process much easier and less stressful. I would definitely work with Peter again in the future and highly recommend him to anyone looking for a knowledgeable, honest, and dependable loan officer.

I had an excellent experience working with Peter on my home refinance. From the start, he made the…read moreentire process feel simple, organized, and stress-free. He explained all of my options, answered every question I had and made sure I understood the numbers before moving forward. He was always responsive, professional, and kept me updated throughout the process. I felt comfortable every step of the way. His expertise, patience, and personal attention made a big difference in my experience.

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!!!

I cannot recommend them enough. Linh is an amazing service provider, and she will meet you at your…read morelevel. A little background: I did 2 house purchases, and 1 house sale by myself without a realtor before engaging Meridox. I didn't need handholding, because I was not a first-time buyer. I wanted an advisor who can give me an honest opinion as to pricing, knows the neighborhoods, and can negotiate with the seller's agent. Linh was so on top of things. She understood that I was busy and scheduled multiple showings for me on weekends. She mapped out our route, so we can be efficient with time. She never asked me to consider any property that was outside my price range or not what I was looking for. I was able to knock out many home viewings with her, and we put in a couple of offers. I saw a house that fell out of escrow. I messaged her, and she was immediately on it. She showed me the house, called the seller's agent, and basically convinced the seller to take my offer that was a tad below listing that either that same day or the next. (OC is a hot market, so this was an incredible deal! My other offers all sold above listing.) She was incredibly responsive, super sharp, and very easy to work with. I used Meridox as my mortgage broker as well and used them again to refinance a year later. Very seamless and easy transaction. Forget all the agents who claim to "treat you like family." Choose Meridox: the true professionals.

Mauricio was absolutely fantastic during one of the most challenging financial periods we've faced…read more With interest rates higher than they had been in years, navigating the property market was stressful and emotional for my wife and me. Having to sell our dream home, downsize, and relocate was not an easy decision. Throughout the entire process, Mauricio was knowledgeable, patient, professional, and incredibly supportive. He took the time to explain our options, answered every question, and helped us feel confident about each step forward. What could have been an overwhelming experience became much more manageable because of his guidance and dedication. We are truly grateful for his expertise and genuine care for our family's situation. I highly recommend Mauricio to anyone looking for a loan officer who combines outstanding professionalism with compassion and integrity.

We recently closed on our home, and we couldn't be happier with the service we received from Kelly…read more Buying a home can be a stressful process, but Kelly made everything as smooth and straightforward as possible. Kelly Addison was always professional, responsive, and willing to answer our questions throughout the entire process. Whenever we needed an update or had concerns, she got back to us quickly and made sure we understood every step along the way. What stood out most was her attention to detail, communication, and dedication to helping us find the best loan option for our situation. We always felt like she had our best interests in mind and was working hard behind the scenes to keep everything moving forward. We are incredibly grateful for Kelly's guidance and support during such an important milestone for our family. We would highly recommend Kelly to anyone looking for a knowledgeable, trustworthy, and reliable loan officer. Thank you, Kelly, for helping make our dream of homeownership a reality!