I recently finished a cash-out refi with America's Moneyline and had an incredibly smooth and…read morepleasant experience - primarily due to my super awesome loan officer, MICHAEL SAADATI - who I truly can't say enough great things about. Having refinanced multiple times in the past, I know how stressful, and anxiety-ridden this entire process can be... back-and-forth emails, countless docs, phone calls, credit reports, all the while trying to make a deadline that only seems more impossible by the day. But fortunately for me, MICHAEL SAADATI was the consummate professional: extremely knowledgeable, very kind, and graciously willing to hold my hand, every step of the way. At no time did I ever feel like Michael was pressuring me, or trying to sell me something that he didn't believe in. In fact, at the very beginning of our correspondence, when rates were less than stellar, Michael suggested that I wait for a better deal rather than commit to something that he knew was less than ideal for me (even at the risk of losing me as a customer). What I most appreciate about Michael was his consistent responsiveness - even when he was unavailable to talk (and I would call him, often frantically, just about everyday), he would reach out immediately after. He never made me feel underappreciated, or that my business was less than significant, as many loan officers have in the past. On the contrary, Michael was unceasingly patient and understanding. I'm sure Michael deals with many clients simultaneously - as all loan officers do - but he never made me feel that way, not once. Everytime I spoke to Michael or asked him a question, or even went on about whatever, he recalled exactly the loan in question, and each time I had an inquiry about some minute detail, whether in the Disclosures or elsewhere, Michael would find the right answer for me. Even when I had a minor glitch with the home appraisal, Michael told me not to worry, that he would absolutely take care of things... like I said before, I can't say enough great things about my man, MICHAEL SAADATI. He's everything you'd want in a loan officer, and more. If you're looking for great rates from a no-nonsense company, pick AMERICA's MONEYLINE. And if you want stellar, top-notch, A+++ service, choose MICHAEL SAADATI as your loan officer. A true, legit 5-star professional who truly wants what's best for you.

I was introduced to the concept of wholesale mortages by a close friend who worked with America's…read moreMoneyline Inc on a number of mortgages. I don't know why I didn't think of looking for this sooner. I do the same for my personal auto and home insurance - so why not for mortgages? They are able to check rates with a number of lenders and find the best rate - but at the same time, are an excellent source of information about mortgages so that you don't feel like they are representing a bank. I worked with Patrick and he was fantastic. He is a work horse and always took my call to discuss current rates and options. I am confident in saying that they will get you the best rate available. The rate I was able to get was significantly lower both in the rate and in the credits available. My realtor was shocked, and immediately asked for their contact info to share with her future clients. You don't pay them anything - so there really isn't any reason not to try and see if they can help you - either with a mortgage or a refinance.

With historically low interest rates available, I was looking to refinance and get some cash out of…read moreour current home. After some substantial shopping around, I stumbled across LendPlus and their outstanding Sr. Mortgage Banker Kevin Cano. I'm not a real estate guru by any means, but this is my (Our) third home that we've owned and we've (Wifey and I) seen a few financing efforts, but NONE have ever come as close to being this smooth, timely and professionally handled. From start to finish, Kevin was just the right amount of spice; not too much, not too little. His plain-speak left no stones unturned and guaranteed to the Wife and I that we made the right choice in whom we had spearheading our effort to secure a better rate and cash back. Kevin made the whole process feel like I was dealing with a long time, familiar friend and/or member of the family and his collaborative support team is just as efficient. So if you're looking to buy, REFI, or just need a sounding board, Kevin Cano is your go-to Professional.

Not sure with the negative feedbacks on this site but our experience with LendPlus has been…read morepositive. Best rate out there and I'm very thorough with my research. Azin Gerayeli was very attentive, professional and patience answering our questions and concerns. She returned our calls promptly and we are so glad that she's the one that assisted us with our refi. Thanks Azin!

Ryan Hrisca was exceptional in guiding me with my first refinance for my condominium. He was…read moreextremely attentive in responding to my questions. Periodically, he would call to explain updates with my refinance, which was helpful and assuring! When the new loan documents were finalized for signing, I was unable to commute to the Aliso Viejo office. Daniel Moreno was able to arrange a mobile notary to call and schedule an appointment to sign the loan documents... convenience at its best! I would highly recommend JMJ Financial to anyone with the exceptional service I received!

I'm a repeat customer. Matt and Rebecca are very knowledgeable, incredibly responsive and make it…read moreso easy. Thanks!!

This is a very much needed firm for anyone seeking a mortgage on a Laguna Woods co-op…read more My experience was positive with this group, from interface with the CEO to individual staff members. Carolyn Behrens went to bat for me when the lender insisted on a 25% down payment instead of 20%, which I actually put down. From start to finish, this group is professional, efficient, and best of all, on your side.

Responsive & Helpful. THE place to call if you're looking for financing on a Co-op - especially in…read moreLaguna Woods.

Great team! Worked hard to get a refi done in a timely manner. Personable staff that takes the time…read moreto understand the needs of their clients. The team worked hard to get all paperwork done and any updated info needed, they would reach out through text, emails and called when needed. Would use again in the future and would highly recommend them to friends and family. Thanks again to all involved!

Union Choice and Don Peart have been our go to for all things related to home loans, refinancing…read moreetc. Don and his team truly do care about their clients and provide top tier service to make it happen. If you want a lender with the experience to get you to the finish line then look no further!

Great people through and through. The upper echelon of loan originators in the marketplace.read more

Shawn was such a joy to work with while she helped my husband and I refinance our home. She was…read morenot only very professional, but also made the entire process go very smoothly. Any questions or concerns we had were answered and addressed immediately. I would definitely recommend her and I look forward to working with her in the future!

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.

Bryan and his team are amazing. He got us a lower interest rate and $1,000 less in fees than the…read moreguy that our real estate agent recommended. He also updated us as much as we wanted. I used to be in the mortgage business and there are a lot of questionable people out there. You can rest assured that by using Aliso Niguel Mortgage you will get the best loan possible for your situation.

Bryan was great to work with during the up and down process of purchasing a home as a first time…read morebuyer. Highly recommended!

I'll start by saying that I'm typically cynical of real estate agents due to some bad experiences…read morein the past. However, Bob completely changed the way that I view real estate agents (and the value that they can provide). We just moved into our dream house in Aliso Viejo thanks to Bob's experience and strategic thinking. Bob is a highly-skilled and experienced agent who understands the pulse of the market and is able to provide expertise during the search. When we started our search, he showed us a house that was at the upper end of our budget. At that point, we were ready to move forward with an offer and considered canceling the other scheduled viewings later in the day. Bob insists that we see the other homes before making a decision. It was extremely good advice as we ended up falling in love with another house that happened to be priced $200K less. Any other agent would have jumped to close the deal, especially with the potential of high commission on an expensive house. However, I felt like Bob was constantly looking out for our interests. When it came to presenting an offer, Bob worked with us to structure a unique offer that allowed us to compete on a hot property (and ultimately win). Afterwards, we learned that we were not the highest offer either (among the 28 submitted offers). However, due to Bob's networking and strategic thinking, we were able to construct a compelling and persuasive offer that allowed us to stand out. Lastly, Bob is a relationship person who has a strong network and presence in the area. This can be extremely helpful when in a hot market, and can honestly "make or break" the situation. Bob is also extremely responsive and dedicated. There were several times during the process when we were anxiously waiting to hear back from the selling team, and Bob would proactively contact us with updates. He even drove over to speak with the selling agent when he wasn't getting a clear response. That was above and beyond our expectations. Again, Bob broke my perception of real estate agents -- he provided so much value to our search. I honestly believe that his expertise, experience, and emotional intelligence helped us to get our home. Long story short -- don't hesitate to hire Bob for your next home search. He is an honest and trustworthy person who has your best interest at heart and is willing to think "outside the box" to help his clients get their dream home.

The Inspira COBRA group are amazing! I never thought I'd say that about an insurance company,…read morehowever, Elizabeth (AKA Ashley) has impressed me with her caring, thoughtful service. She understands my position, is supportive, kind and communicative. I wish I had 10 stars for her, I honestly can't articulate how wonderful she is.

RWM home loans did a great job with my refinance in 2017 and I appreciated it very much because…read moreinterest rates were low and it has allowed me to pay off my mortgage much faster.

We've had two mortgages financed through Rick Geary and his time and each time has been incredibly…read moresuccessful. They listen, they make sure they're handling everything we need and it's easy and very comfortable. So I would definitely say he is our mortgage broker and will always be. We would never go to anyone else and every time interest rates dip below the historically low one we already got, he contacts us to see if we want to refi and spends time talking us through whether it's worth it (and sometimes we'll call him and same - he will NOT take you through any process if it's not good for you first and foremost). Unqualified recommend.