I had an excellent experience with Steve and could not recommend him more highly. He called me the…read moresame day I reached out to him regarding a home loan and was equally as responsive through the entire process. He was also very proactive in requesting necessary information to ensure the process would be as quick and seamless as possible. I am extremely satisfied with his services and look forward to working with him again!

I am a first-time homebuyer, and I had a 10/10 experience with Steve. He is incredibly…read moreknowledgeable, patient, and wise beyond his years. He walked me through every step of the mortgage process and explained it clearly. His communication was excellent and he was always available to answer questions. Thanks to his guidance, the entire transaction felt smooth and stress-free, and we closed on time. I HIGHLY recommend Steve to anyone looking for a trustworthy mortgage expert!

Brian is AMAZING! I was trying to get a loan for my first…read morehome purchase and was originally referred to a broker by my realtor--which is pretty common. Then a friend recommended Brian at Rancho Costal Funding, and I'm so glad they did! Not only did Brian get me a better rate than the original broker, but he also made the entire process incredibly easy. I can't thank him enough for all his help, and I'll definitely be going through him for any future home loans!

One stop funding. Brian has helped me with my home loan and multiple investment properties over…read moremany years. He has arranged financing when rates are low and when rates are high and makes the process easy, efficient and effective. His pricing is as competitive as I have found. Brian keeps his overhead low and passes the savings on to me. Before I sign an offer to buy I contact Brian. After I sign an accepted offer to buy I contact Brian. Brian makes satisfying the money needs of funding an escrow quick and simple.

Bottom line up front: We highly recommend Chris Filasky to anyone, for any type of home loan…read more Why we chose him: As we researched the multitude of lenders on the market today, we decided the following were what we wanted out of the person we were going to give our business: 1) We always wanted to talk to the same person. So many online companies have you talking to a new person every time you need help, or have a question. I never spoke to anyone but Chris the entire time. He was well read into our unique situation and individual loan. There was never a question as to whether or not the person on the other end of the phone was going to forget what we just talked about. 2) Being available at odd hours and on short notice. Both my wife and I have busy schedules, and many times we weren't able to fill out paperwork until the evening or weekends. There are inherent questions that come when only filling out loan document once a decade, and Chris was always available and quick with a response via text, email, or a phone call. 3) We needed guidance, not a sales pitch based on what is going to make the lender the most money. Chris was very patient with us as we closely examined the multiple options he gave us. He offered his opinion on what was the best thing for us, when not necessarily the most lucrative for him. He was clear that he is more successful in his business when he gets referrals from happy clients. For him it was bad business to lock us into a loan that wasn't in our best interest. Our situation: Our experience was as both a seller, and a buyer. This complicated things a bit in that we needed the escrows for both the home we were selling, and the home we were buying to close concurrently. Without boring you with the details, the proverbial ball was dropped by one of the many parties involved. After all was said and done, we were looking at having to leave the home we were in, and not having a solid timeline for getting into the home we were buying. Chris made a huge personal sacrifice for us. He knew my family of five would have to move into a hotel, and we would have to get a storage unit for only a few days. Because of what he did, we were able to get access to the home we were buying on time, and no days were lost between sales.

Chris Filasky and his manager Misty, are both truly genuine people to deal with. Saved me a lot of…read moremoney in fees and went the extra mile for me. I spent two years searching for the right company and it was worth waiting and researching to find Chris Filasky. Thank you again for all of your help. You guys Rock! D

Mitch and Shonna did an amazing job helping me with the purchase of my home. This is the second…read moretime I've worked with Mitch and my experiences are beyond exceptional! I highly recommend Mitch for any mortgage needs. He is so knowledgeable as well as kind, a great listener and really goes above and beyond!

I met Mitch at our local caravan. He's been extremely helpful with any questions I've had, and has…read moreprovided my buyers with information they've requested. Will definitely continue business with him.

I am a Realtor and have worked with several loan officers over the years. I met Tim about 3 years…read moreago and have only worked with him since. He is a fantastic and knowledgeable loan officer and branch manager. I always work with Tim because he is very thorough, great with clients and always give clients several different options for multiple loan programs. Another great reason to work with Tim is he always answers his phone, loves what he does for a living and is there to answer any questions you have. All of the loans we have worked together on have closed on time or early and with no issues. I highly recommend Tim Austin if you are a Realtor, a potential home buyer or need to refinance, you will not be disappointed!

I worked with Tim twice. The first time was that I bought a house in San Diego where he assisted…read morewith the mortgage stuffs, the second was that I did the refinance to my house. My house mortgage case was very complicated, because I was an international buyer who required my family oversea to prove my ability to pay the mortgage. Things like translating between two different languages and dealing with banks in two different national systems were really convoluted. Yet Tim and I successfully worked through many barriers and finally came to close the deal. He showed his effectiveness, energy, and profession. Tim is very responsible. He was proud of being able to close the clients' deals in 21 days (most agents do 30 days), but because of my mistakes he was not able to make this goal. But he took the responsibility and used his money to cover some of the expenses on the closure. (I decided not to use that money). And yet, we made it in 27 days, which is really an accomplishment. Tim has the ability to find best deals. In the second, refinance case, the mortgage interest rate he gave me was much higher than that given by other banks. But it was an excellent deal for two reasons. Firstly I didn't pay anything for the deal closing except for $250 for some escrow service, and secondly I got a ~$8000 refund from various terms. The deal was exceptionally great

It was such a pleasure working with Tim and his team. He is a true professional at what he does and…read morenever hesitated to answer any questions that we had. His communication skills kept us apprised every step of the way. After finding our dream home, he made the preapproval happen instantly. We were able to come in with an aggressive offer and still kept cash in hand from our previous home sale. He made the numbers make sense, especially using the VA loan, and scored us a very competitive interest rate. I am so grateful for Tim and his hard work to reassure the seller's agent that we were strong buyers and not to worry about funding-- especially since the deal was contingent on the sellers finding a replacement home. This made us such a strong candidate helped us secure our forever home. I highly recommend Tim at The Joy of Lending for any home purchases or refinances!! The process was so smooth and easy!

As a realtor I highly value and appreciate a lender that is responsive, on time, and can perform…read moreunder pressure. These qualities exemplify my experience with Tim. My experience with Tim was excellent and I will definitely be recommending him to my clients in the future. We were a head of schedule the entire escrow period, he made sure to follow up and keep me and the client on the same page, and he made the process very smooth and hassle free. Highly recommend him to prospective buyers as well as other agents.

I was referred to Todd by a co-worker. Todd contacted me, I explained him my situation and, in no…read moretime, we began the refinancing process. This was the first time I refinanced my condo since I bought it, so I was a bit afraid about all the paperwork and what not. Todd and his staff made it really easy and stress-free. I would get updates, every step of the way, on absolutely everything that was happening with my refinancing transaction. I was getting weekly phone calls from Todd's assistant making sure she can answer any questions and, if she couldn't answer them, she would have Todd call me instead. They were all very friendly, professional and modern. Everything was done electronically (except the final Escrow paperwork) and hassle free. From filing all the paperwork, to signing the Escrow papers, it was a great experience overall. Thanks so much to Erin, Andy, Lori and of course Todd for all your help! I would most definitely recommend Todd and his staff for all your refinancing needs!

Todd Swanson and his team was an absolute pleasure to work with. He has made refinancing my home…read moreloan an easy and seamless process. He answered all of my questions and went out of his way to make sure that I was comfortable with each step we took toward the completion of my refinance. His line of communication was open all hours of the day and his short video explanations through each phase of the process provided a new, unique, and refreshing experience. From the beginning, Todd took the time to understand what my goals were and based from his consultative assessment, he provided me with a customized and realistic plan to achieve those goals. In short, Todd was able to save me $403 per month on my 30 year fixed loan with no cost out of pocket (with the only exception of the appraisal fee). He also did this with out adding any extra cost to my current balance on my total loan. If you are looking to save money by removing the PMI/MIP from your home loan or looking for a better interest rate that will save you money in long term, you can't go wrong with Todd Swanson! It will be one of the best decisions you will ever make! -Michael T.

I met Bob Borbonus during the Holidays and we started working on my mortgage in January. Since…read more2008, as an Independent Contractor, I have tried 17 ...yes, read SEVENTEEN times to refi my home ( and I make good money ) No cash out, just change it from an adjustable to FIXED. If you are an IC, you are feeling my pain and nodding in understanding. After 14 years and 17 tries ...BOB and IFC got me a lovely FIXED RATE mortgage. I never had one time I could not reach Bob by email, phone or text. I'm old school and customer service is KING for me. I think that pretty much says it all.

Working with Bob Borbonus and the IFC team was a great experience. My wife and I were extremely…read morehappy with all aspects of the process from start to the finish. As a musician during COVID, I had my doubts that I could get a loan, but the rates and costs were better than the competition, and they were completely transparent about everything. Bob was always available by email or phone to answer any questions and always kept us aware of the situation. Bob / IFC Mortgage were knowledgeable, patient and understanding every step of the way. Thanks again guys :)