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!

Mark was referred to me by my real estate broker, Markus Feldmann. I instantly knew that Mark was…read morea highly qualified, reliable, insightful and helpful broker. We were relocating from California to Colorado and despite it being Mark's first time financing property in Colorado, it had no bearing on Mark's performance. I found myself having no hesitation to ask Mark even what may seem like a "dumb" question as he always was friendly and never made me feel like I should've known the answer. He was always available and always willing to help when I needed him. Not only that, but he stayed so connected to everyone in the process... both of my RE brokers, the assessment company, escrow company and the selling agent and probably many others that I wasn't aware of. He kept calm through the storm and that made me stay calm. Mark is top notch. If you are looking for someone to help you with your mortgage or property refi, he's your guy. You really can't go wrong.. call Mark!

Mark is the best! He fought to get us the best rate and terms on a very difficult refinance. Mark…read moreis always looking out for his clients. We've used Mark for years and I cannot recommend him enough.

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!

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

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 :)

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.

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.

We used Matt Sauer @ differentmortgage.com. He was great. He lead us through the whole process. He…read moredidn't even laugh at our stupid questions. We would definitely us him again.

I reached out to Matt for help with my refinance because my good friend had nothing but praise for…read morehim. I've worked with several mortgage brokers in the past for both new home purchases and refis and Matt is by far and away the best I've worked with. I challenged him by asking for a rate I knew would be a reach (but within the realm of possibility) and he was able to deliver it without any back and forth. I was fearing having to shop around but he delivered a great rate right out of the gate; saving me a lot of extra work. He was extremely knowledgeable, prompt, and responsive throughout the entire process. He worked hard to find me even more savings along the way without being asked. It was evident he always had my best interest in mind. If the rates drop again enough to refi, there's only one number I'll be calling.

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.