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    Aragon Lending Team

    4.8 (216 reviews)
    Open 9:00 am - 6:00 pm
    Updated 2 months ago

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    Response time

    2 hours

    Response rate

    100%

    Services - Aragon Lending Team

    Mortgage services

    Mortgage refinancing

    Home purchase

    2 More Services

    Buyer's agent

    Listing agent

    Aragon Lending Team Mortgage Brokers Photos

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    Page 1 of 6

    Ask the Community - Aragon Lending Team

    Review Highlights - Aragon Lending Team

    Beyond their great communication, Julie guided us through a fast 21-day escrow that successfully closed--something we truly appreciated.

    Mentioned in 203 reviews

    Read more highlights

    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (715 reviews)

    Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

    ​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

    David Lerman - CalUnion Funding - Senior Loan Officer: David Lerman

    David Lerman - CalUnion Funding

    (127 reviews)

    Encino

    I don't use the word "extraordinary" lightly, but David Lerman and the CalUnion Funding team earned…read moreit. I came to David with a complex transaction -- purchasing a $2.7M owner-occupied property in the Coachella Valley that required creative financing, fast execution, and a team that could handle curveballs without flinching. David delivered on every single one. What sets David apart is not just his knowledge of the mortgage industry -- it is his character. When obstacles came up (and they did), David did not just solve them, he anticipated them. He moved mountains quietly, kept me calm, and never once made me feel like the deal had challenges even when the pressure was real. His team -- Lauren, Vicky, Ryan, and the entire CalUnion crew -- matched his energy every step of the way. Professional, responsive, and genuinely invested in getting this done. I closed on a stunning 5-acre estate in the Coachella Valley that will change my family's future! That does not happen without David Lerman and this incredible team. If you are looking for a lender who is a true partner -- not just a transaction processor -- stop looking. You found him. Five stars is not enough.

    I cannot thank David Lerman and Cal Union Funding enough. They didn't just process my application;…read morethey acted as a trusted advisor, helping me to understand my options and secure the best possible rate. I have had the opportunity to work with this knowledgeable team for both a home purchase and refinance. If you are like me, you are skeptical of dealing with professionals from an industry that by history has exploitative or deceptive practices. David and his team did a wonderful job to keep open communication for transparency and make a complicated process feel manageable. They were incredibly patient, answering every question I had (no matter how small) and keeping me updated at every step. Their attention to detail ensured there were no surprises or delays and they went above and beyond to assist in identifying solutions when I needed to overcome a specific challenge related to my unique income structure. Additionally, their speed and efficiency helped me to lock in a good rate during this very challenging economy and keep everything on track for a closing on a tight timeframe. I'm so grateful for their expertise and working with them a second time gave me peace of mind that I was in capable hands. David and his team always made me feel like a priority, despite my awareness of the team's busy schedule. I wouldn't hesitate to recommend this team or to work with them again!

    Dave Soza - Powerhouse Mortgage - Happy Cinco De Mayo!

    Dave Soza - Powerhouse Mortgage

    (83 reviews)

    Working with Dave Soza at Powerhouse Mortgage was easily one of the best decisions we made during…read moreour home buying journey. As first-time buyers with busy work schedules and limited time, my wife and I had a lot of questions, and Dave was incredibly patient every step of the way. He took the time to explain everything clearly, stayed transparent throughout the process, and consistently kept us in the loop so we never felt out of touch. Not only did he help us lock in a great rate on our conventional loan, but he also made the entire experience feel smooth and fast from start to finish. You can tell he genuinely cares about his clients. One moment that really stood out was during one of our home inspections. The contractor needed access to the roof but didn't have a ladder. Dave didn't just stand by, he jumped in with a thinking-out-of-the-box solution and helped make it happen! That kind of resourcefulness is rare and speaks volumes about how committed he is to his clients. If you're a first-time homebuyer looking for someone who is knowledgeable, responsive, and truly goes above and beyond, I can't recommend Dave enough.

    Dave is the real deal! He got me and my partner pre approved after a good 1-2 hour conversation…read morewhere he never asked for any financials until we were ready! Which is a breath of fresh air considering as soon as you contact any lender, they won't give you the time of day until they see financial docs, which I understand but the way Dave worked. He wanted you to feel comfortable with him prior. The best part was is that everything that he said was exactly the same leading up to when we close our docs, which was our monthly payment plus the down payment, no surprises, and if there was, he worked with our agent to make sure that what we discussed was honored! It is now the new year and we celebrated in our new home. Thanks so much, Dave!

    Bill Rayman

    Bill Rayman

    (86 reviews)

    Sawtelle

    Buying my first home in Los Angeles was one of the most exciting yet stressful chapters of my life…read more After searching Yelp for the best mortgage broker, I found Bill Rayman, read his glowing reviews, and decided to reach out. From our very first conversation, I knew I was in the hands of a true professional -- someone who not only understands the mortgage process inside and out, but also genuinely cares about his clients. We faced several unexpected challenges from the seller's side, but Bill navigated every hurdle with calm confidence and creative problem-solving. He has a rare ability to make a complex, high-stakes process feel smooth and painless. Bill's professionalism is matched only by his human qualities -- patience, kindness, and an unwavering dedication to his clients' success. What impressed me most was his resourcefulness. Bill sees solutions where others see roadblocks. He explored multiple strategies to ensure I got the best possible loan, always explaining each step clearly and making sure I felt informed and comfortable. He was responsive, attentive, and proactive, often checking in before I even had to ask. In the end, I not only closed on my dream home, but did so with complete confidence in every decision -- thanks to Bill's guidance. He's the kind of person who turns what could be a stressful journey into a positive, even enjoyable experience. If you're buying a home -- especially if it's your first -- I cannot recommend Bill Rayman enough. He's not just a mortgage broker; he's a trusted partner who will go above and beyond to make sure you succeed.

    He wrote a paragraph as comment to my review that his senior executive called me and explained to…read moreme. Yes, he does. He apologized for what Bill and his assistant did!!! Again, I always appreciate transparency and being honest in every bussiness and every stage. If you are a person like me, I advice you to avoid them.

    Aragon Lending Team - mortgagebrokers - Updated May 2026

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