RATING is SOLEY based on EDDIE ROSALES…read more My husband and I have been blessed with having been introduced to Eddie Rosales. Eddie is beyond a professional gentleman. Eddie is so knowledgeable. My husband and I had met with three previous people within the past ten years and they did not come close or live up to anything to the service that was provided to us by Eddie. Eddie is driven to help others achieve goals and dreams. He is passionate and knows all of the tricks of the trade. There are not enough great words in this world to explain what a great man Eddie is. Any future buys.... He will continue to be our go-to. Believe me when I say that he works miracles. Eddie is open and honest, professional, knowledgeable and efficient..... quick....ohhhmaaayyygaaawwwwsshh so quick lol Eddie is the go to person for everything. He is just that personable, impressionable, helpful, friendly and family orientated that he knows so many people as well as has a whole team full of awesomeness. He knows his work and his passion for getting the job done speaks volumes. There are not many people who will give you straight honest answers and help you through the process. Eddie answered all questions and played no games. I cannot stop to express how easy going that Eddie made this process. It has now been two years since Eddie ran the show and got us into our house....OUR HOUSE, our very own home. My husband and I are extremely blessed and ooooh so happy. We have continued to use him for other services and he has come through 100000 percent. He strives to make dreams come true. He is passionate about his job and it shows. Service he provided was beyond A1. The value was epic. We couldn't ask for a more professional real estate EVERY THING.... Thank you Eddie.

Lauren was an absolute nightmare to deal with. She spoke with total confidence while giving…read moreinformation that was either misleading, flat-out wrong, or clearly designed to corner me into a worse refinance deal. She acted like bad terms like paying points were unavoidable, insisted this was "just how the market works,"when later, another loan officer gave me better terms with no points. Every question I asked was met with more sales pressure instead of honest guidance. It felt less like working with a loan officer and more like being trapped in a conversation with someone who had already decided her commission mattered more than my finances.

Pamela Herrera 1 review * 1 photo…read morestarstarstarstarstar 7 weeks ago As a first-time homebuyer, the process can feel overwhelming and even intimidating--but working with Carlos Medina at Vision One Mortgage made all the difference. From the very beginning, Carlos was patient, professional, and genuinely supportive. His warm personality made me feel completely comfortable asking any questions I had along the way, no matter how big or small. Carlos was always more than happy to explain everything in detail and guide me through each step of the process. He made sure I felt informed and confident throughout the entire experience. I truly appreciate his dedication, responsiveness, and the care he showed during such an important time in my life. I'm incredibly thankful for Carlos and the service he provided. I highly recommend him to anyone looking for a trustworthy, knowledgeable, and kind mortgage professional. Adolfo Aguirre (Adolfo Realtor) 6 reviews * 0 photos starstarstarstarstar 8 weeks ago Carlos Medina is an outstanding lender and a true professional. He guides you through the entire loan and mortgage... View full review Emmanuel Alatorre 1 review * 0 photos starstarstarstarstar 10 weeks ago Working with Carlos M. was such a blessing! He answered all of our questions no matter how small and really went the... re- view

Exceptional service, I'm a very busy person they got everything done for me! Hit me into my new…read morehome within 30days! Thank you hector and vision one!

Helen is an incredible loan officer, we have had the pleasure of working with her on many…read morerefinances and purchases over the last 10 years. She is incredibly knowledgeable and hardworking. The loan process can be very tedious, but with Helen by our side the process is much smoother. She doesn't allow minor details to fall through the cracks. If you are in search for a refinance or a new loan then give Helen a call. Besides our multiple loans, we have sent many family members and friends her way. They all agree, Helen is the best.

Helen and her team go above and beyond. Helen is very responsive and honest. She was patient,…read moresupportive and understanding of our unique situation. We met about 13 years ago, she helped us get our house for the 1st time. We reconnect just last month and fortunate and happy we did. We are happy with the outcome and will continue to do business with her. Thank Helen! Blessings!

We were first time buyer and Mina held out hands the whole way through. She helped us make a very…read morecompetitive offer and close even earlier than anticipated. She was a calming presence in a very hectic process. We are very grateful.

Mina was absolutely amazing to work with. We were referred to her by our agent, which turned out to…read morebe one of the best decisions we made. From our very first call, we were extremely impressed with her knowledge and professionalism. She took the time to truly get to know us and understand our homebuying goals. As first-time homebuyers, the process was entirely new and, at times, overwhelming. However, Mina has a calming and reassuring presence that helped alleviate many of our concerns. She was able to help us close on a very tight timeline, which made our offer stand out. She also turned around mortgage scenarios quickly for multiple properties we were interested in, with varying financing options--sometimes even multiple times in a single day. Every time we spoke with her, she was transparent about the process and clearly communicated next steps. Thanks to her diligence, she was able to lock in our rate just before they increased significantly, which we are very grateful for. She was always available when we needed her, and we truly could not have asked for a better lending partner. We look forward to maintaining our relationship in the years ahead as we settle into our new home.

Always great working with this company. They are definitely strait shooters.. everything was…read moreexplained well and the whole process was nice and easy.. Closed 1 day early..

Reached out based on a mailer to get a rate/fee quote. Worked with Ashlee Kinney. Quoted a rate…read morebut would not quote a fee. After a week of back and forth, she runs my credit without my authorization and then quotes me an origination fee of almost 3%. When I questioned her, she claims it was an error. When asked why she ran my credit without my approval, she stated I should have known when I asked for an initial disclosure, even though she ran my credit three days before I asked about the initial disclosure. Now I get 70+ calls a day because the credit bureau sold my information. Highly do not recommend.

The whole team was very helpful in making our first time home buying experience very smoothly with…read moretheir knowledge

Santiago Financial Services is Fabulous! Cindi and her team are professional, helpful,…read moreknowledgeable, and great to work with.

Honestly, this was a much smoother process than I expected. Nicholas Falini and Mari Ungos were…read moreboth great to work with and made everything feel pretty straightforward. Nicholas was super quick with everything and didn't waste time going back and forth. He explained things clearly, got right to what mattered, and that made it really easy for me to make decisions without second guessing. Mari stayed on top of everything behind the scenes and kept things moving. Anytime something came up, she was already on it, which took a lot of stress off my plate. Overall just a really solid experience. If you're going through a loan and want people who are responsive and actually make things easier, I'd definitely recommend them.

After I contacted them they sent me this email From West…read moreCapital Lending in CA One gets these emails encouraging you that you can get a Heloc/Equity line of Credit when the final decision from the underwriters you can't. Hi Marylou, Killian Kidd at WCL has started a HELOC application on your behalf. WCL helps you access the cash you need by tapping your home equity with a HELOC. Here's what's next: Customize your offer Choose from a variety of rate, term, and payment options. Complete your application Digitally verify your identity, income, and speak with an eNotary*. Voila! Funding in just a few days! The process is fast, easy and only takes a few minutes to complete 100% online. Continue your application The application was continued over the phone explaining all they needed to know to determine a equity/Heloc only to find out this company based out of California and their underwriters did not approve going forward. This company knew where I lived in Florida and denied going further with my applications according to their underwriters. This company refused to take on the difficult circumstances of my son as co-owner and living in NY as I live in the residence in Florida. I would not consider to use this company.

I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner,…read morePam worked with me and provided amazing service and high quality of work. She was able to answer every question I had and helped make the most of my money. Even a month after closing, she still answered any other questions or concerns I had. 10/10 would recommend

I was referred to Pam at OC Mortgage Solutions by a friend to help my daughter and I get into her…read morefirst house. Pam was very professional and and genuinely a very nice woman. From the first time we spoke she was very thorough and professional . Even though this is not my first experience with a lender, she was by far the best. Communicated every day on interest rates so we would know the best time to lock the rate. Quickly responds to questions and made this seamless for us. I appreciate her help and will use her again when it's time to refinance.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

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.

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.