Couldn't be happier with my experience with John and American Security Mortgage. Now, I'm not much…read moreof a numbers person, so the financing aspect of buying my first house was pretty intimidating. John is VERY thorough and knows a ton! He was super patient with me even when I had to ask a bunch of pretty basic questions. I always looked forward to talking with him! Most importantly, John made it super easy and smooth to secure our mortgage -- even though we were first-time homebuyers without a huge down payment. John helped us determine a price range that was competitive yet comfortable for us, and I could tell that he has a strong sense of ethics and integrity in regards to these things. He actually cares, and that makes it easy to trust him. I am 1000000% certain that John had our best interest in mind. All in all, it was super easy to to get our loan arranged -- and we got a FANTASTIC rate! John even managed to get us a better rate than the one we'd initially agreed on after a few things changed with our escrow! Special shout-out to Gita for helping coordinate the many, many pieces of our transaction. Thank you both for getting us into our first home.

This is probably the fourth or fifth time we have worked with John, Lee and Gita. This time was a…read morerefinance of a rental. The last time was a refinance of our own home that we used it to build an ADU on the back of our lot for our son and his family. John has always been very patient with us each time, gave us good counsel for the many decisions we have had to make. And all three of them have been so helpful whether we are doing more things on-line or back when almost everything was in person and signing multiple papers. We always felt that we were in competent, considerate hands.

When we needed to find ways to save money after experiencing a sharp dip in income last year AND…read moredesperately renovate bathrooms that were falling apart, Matt Dennison was the only mortgage broker who had the expertise to find a lower-interest loan that would help us accomplish both. On top of that, his personal approach of treating us so friendly and fairly during the process was so refreshing and helped ease our concerns during a time of financial stress. I will always appreciate the time and energy he put into helping us when we were at the end our ropes, and proudly recommend him to anyone needing a mortgage broker. He is simply the best in San Diego - period.

I was referred to Midwest Equity Mortgage by LendingTree, so before going through credit score job…read morerun and other headaches, I wanted to see their reviews. I contacted Jim Apessos by email because he is not available by phone calls. After introducing myself and explained the reason of my contact, he provided the current refinance rate. I asked if we can speak over the phone, then he stated that he is very busy for a week and it's up to me if i can wait that long or not... This is NOT a professional way to communicate with a customer. Still I was very nice and professional and I asked him about the total closing cost as I received an estimated closing cost from another lender. Jim responded very rudely, that I should get the other lender's offer! Jim Apessos, doesn't want to do business! He is RUDE, ARROGANT, & UNPROFESSIONAL!!! DO NOT WASTE YOUR TIME WITH HIM!

I was referred to Home Loan Rebate (David Chin) by several of my co-workers whom have all worked…read morewith David and all of them were incredibly happy with their experience. I decided to give David a call and after years and numerous attempts of trying to work with big banks to get our house refinance it was Home Loan Rebate (David Chin) that came through for us. I have worked with numerous big banks in the past and by far all those experiences was the worst. I would have rather gotten a root canal than go through those painful big bank refinance experiences again. My wife and I almost gave up on trying to save our home until I contacted David. The entire refinance experience with Home Loan Rebate was so smooth and painless. David was incredibly responsive with his emails and phone calls. During the refinance process with Home Loan Rebate emails were responded within one to 2 hours and if not then its the following day. He is very prompt, professional and very thorough throughout the entire refinance process. In the future if I am in need of his services again I will definitely be working with him again. I also will not hesitate in referring my friends and family to David and Home Loan Rebate.

David helped us get a great rate on our mortgage for our home purchase. He was very professional…read moreand helpful throughout the home buying process and worked hard to make sure that our loan was completed quickly and smoothly. We could count on him to maintain an open line of communication and if we had any questions, he would quickly respond with an answer. We really enjoyed working with him and appreciated both his guidance and expertise. Highly recommend his services!

Greg Wynn was helpful, professional, and responsive throughout our mortgage process. He took the…read moretime to answer our questions, walk us through our options, and help us navigate the process of purchasing our home. Looking back, I appreciate his guidance and the time he took to work with us. As a gay couple, we also appreciate working with professionals who make us feel comfortable and welcome ‍ Greg was great to work with, and I'd recommend him to anyone looking for a mortgage professional to help guide them through the process!

I can't say enough great things about Greg! He has helped me with two mortgage loans, and both…read moreexperiences have been outstanding. Greg truly goes above and beyond for his clients. His communication is exceptional, he responds quickly to questions, and he always makes sure you understand every step of the process. What really sets Greg apart is his dedication, professionalism, and genuine commitment to making the lending process as smooth and stress-free as possible. He is knowledgeable, reliable, and always willing to go the extra mile. I've referred several friends to Greg because I trust him completely and know they'll be in great hands. Finding someone who provides this level of service is rare, and I wouldn't hesitate to work with him again.

We are purchasing a new home and went back to John after he refi'd our last house. John is as good…read moreas it gets across the board. His communication with us has been amazing. He works with a variety of lenders and got us the best rate possible. We had a horrible time with the seller/contractor of our house (they finished it 7 months late which left us homeless for a period of time), but through it all, John was amazing. He was proactive checking in on status, called to let us know documents were coming for signature, and spent countless hours assisting us through the process. By far, the best loan person you could possibly use! I would recommend him without question.

We were referred to John Parks by a close friend. When we first met with John he put us at ease…read morewith his great character, expertise and willingness to help us find our dream home. Now we are living in a beautiful two-level townhouse close to the beaches and the best spots in San Diego. Our first impression of John was "this is a great guy who is passionate about his work, listens well and will work hard to get us the best mortgage package and interest rate possible." John always took time to listen to us until he got a good understanding of what our goals were in terms of monthly mortgage payment, down payment and interest rates. He also kept in touch with us on a regular basis. Throughout the process he answered any questions or concerns we had, was flexible to update his search criteria when our goals shifted and was always honest with us. We were very satisfied with how responsive and professional John was in his dealings with us. John had our backs and looked out for our interests throughout the process of our home search. When we placed an offer, he made it a point to call the seller's agent and give them confidence that we were qualified buyers, our offer was solid, we would close on time and selecting our offer would guarantee a smooth process for both parties when it came time to closing. John's commitment to us made all the difference in our first home purchase. When it came time to close the deal on our townhome, John left no loose ends. He was in constant contact with our Real Estate Agent, the Seller's Agent and others involved to make sure the process was flowing smoothly. If something was amiss he made sure the issue was addressed immediately. To our surprise, John was able to beat the closing date by 4 days and got us into our new home sooner than expected. We couldn't be happier with the service John provides and would recommend him to anybody looking to buy their next house without hesitation. If you are looking for a professional mortgage broker who puts your interests first, knows the San Diego market, has the skill and knowledge to help you purchase your next home, call John and set up an interview. We are happy we followed our friend's advice chose John to get us into our first house. Ola & Randy

How do I start... Todd DiLoreto at First California Funding…read morewas recommended to me by a friend. I really didn't think he could help me because I had a unique situation. (I had been denied by sooooo many other Banks, Loan Companies, Credit Unions, ect)... He worked for me and got me the best deal I could get. Got my home refinance and saved me so much money. There was a glitch when I was signing papers... I didn't tell him about this one thing I had done. And it stopped my who process. He was so kind, didn't get mad, aggravated or upset. Just said "we'll get through this". Had to start all over, but we got it done. Thank God Todd was brought into my life. He's a wonderful man that will work hard for you. And I still have an issue with someone else with a refund and he's still helping me, something he doesn't have to do. And I closed about a month ago. Thanks so much for everything. I definitely recommend Todd. What a great guy

John Smyth patiently walked with me as a first time home buyer. He is second to none. John spoke to…read moreme in laymen's terms so I would understand everything. And there is a lot to understand. He was a pleasure to work with and dispelled any fears as a first time home owner. Thanks to him we are moving in a few weeks! Never would have I thought it would be possible. Give him a try!

This review is well deserved and definitely overdue. Adam Horde was my broker for my first home and…read moreI could not be happier! Adam helped me buy my house in mid 2021. I had absolutely 0 knowledge of the real estate industry and even less knowledge of how real estate loans work. I also had a lot of questions.... and then even more questions. Adam was always happy to explain to me anything I needed. He was always patient and understanding when I needed further explanation. Adam also knew all the right questions to ask to get me the best deal possible. He found me a great program that really helped me with my personal situation to be able to afford what I could. He always advised me in what would be best for me and my financial situation. During closing, we hit a bump in the road with the inspection and Adam moved heaven and earth to help get the deal across the finish line. I really appreciate all the extra help and attention he gave me. If you are nervous about the financial side of buying a house, Adam is the guy to see! I will definitely reach out again when I need more help!

If you can find another mortgage company/realtors, please do it. First, their realtors are horrible…read morewho don't know up from down. Had to switch half way through to another within the same company and even though the second one was better he still dropped the ball on things and didn't even deliver me my keys to my new house - made me go by myself to the house and then had the SELLERS REALTOR DELIVER ME MY KEYS. No gift for my new house. Nothing. The interest rate was higher than I expected and the mortgage payment I was quoted originally was not what ended up being my true payment until after closing. Closing costs were much higher than I was quoted at the beginning and even though I asked for more inspections be done, the realtor didn't schedule them. It was a BAD experience all around. But at the end I had my house and thought it was over. Fast forward 6 months into my mortgage during COVID, I hear from my realtor who is also a broker whose wife (at the same company) tells me that they can refi me to lower my interest rate to 3.375%. I explicitly was told there would be no hard look into my credit and all they needed was my mortgage statement, pay stubs, and W-2. I filled out an application and gave everything they needed. 3-4 days pass and nothing. When I check in, I get told "please confirm your debt to income ratio below" so I tell them that I was told this was not going to be a hard look at my credit which I did not want to do when I was approached. The realtor said he'd talk to his wife who did "confirm" she said she only needed the documents she told me but turns out the lender needed my debt to income ratio. I asked about that at the get go and was told nothing else was needed. They are in the habit of lying, not being professional or reliable for clients and I can't recommend enough that people should avoid them. Please, do not use them for buying a house or for a mortgage. I truly regret using them. TRULY.

Steven Hyde is a pleasant professional to work with when securing either a new loan or refinancing…read morea mortgage loan. I have worked with him on both for my current property. He and his team are very responsive and will go the extra mile to make sure all of the "t's" are crossed and "i's" dotted. I will defiantly be working with his company again when I'm ready to purchase another home.

We had a seamless pre-approval/approval and then final closing docs process with Hyde team (Steve &…read moreJohn). This is our 3rd loan which have closed with them, and we have not been disappointed in thier due diligence and gathering of docs and ensuring file is complete prior to submitting to underwriter. There is always a follow up call and email from both of them as well ensuring we have all final closing docs and have access to online mortgage banking etc. Thank you Steve and John again for pulling through this recent loan (it was a tough one, but they made it happen) Varsha & Mustafa