So happy to have found Tom. he was so patient and professional. I really appreciate him taking the time to explain the process and his rates were the best around. Thanks again :) read more

Tom at cal loans direct did a great job on our refinance. Lowest rate i could find and service was fantastic. Thanks

Tom Navarro is the best mortgage broker I've dealt with period! We had financial Lenders we worked with in the past and all were excellent. What we experienced in working with Tom is amazing! In our home search earlier this year we decided to work with Tom even though we already had a good lender already had us ready to go. Tom gave us a notion he can do better in getting our loan done even with the aggressive time to close. In short, we closed all transactions/requirements in time! Tom was always ahead of everyone during the closing, the challenge was with the seller, and the escrow could not meet their time of requirements. I must say, when we decided to go with Tom, it was not a hard choice. Tom had an excellent communication and very knowledgeable of the real estate finance. When we talk, I felt I was talking with a close family member ...felt a trust and someone who is eager to help! read more

Tom was amazing to work with. He's naturally patient with a calm and inviting demeanor. His extensive knowledge and expertise was exemplified numerous times as he eloquently and professionally navigated us through our first home purchase. Tom was very communicative and transparent about the entire lending / funding process. Tom went the extra mile to ensure that we locked our rate at the right time, resulting in an amazing interest rate given the timing of our offer being accepted. I can whole heartedly say that Tom exceeded all expectations and made this process seamless for my family and I. Thank you so much Tom! read more

I had a great experience refinancing with Tom at Cal Loans Direct. Throughout the entire process was professional, proactive, and friendly. He secured us a fantastic rate and made the process as easy as it possibly can be. He was very responsive and answered big and small questions in a timely fashion. I am very glad I found him and plan to work with him again in the future! read more

I'm writing this on behalf of my cousin, Aurelia Gongloff: I'm very particular regarding referrals, but I can honestly say I highly recommend Tom Navarro. I refinanced and purchased with Tom. Both times I was absolutely satisfied with my experience. Tom kept me informed and was extremely knowledgeable on answering my questions and concerns. I feel i got the best rates using him there were no hidden fees or additional expenses that came up after the fact. He was always straight forward, asked for docs in a timely manner to meet deadlines. I never felt rushed. I can confidently state that you'd be missing out on an opportunity If you don't at least reach out to Tom to see what he can do for you....don't be left with the "What if" feeling. I guarantee you; you'd be in honest hands. read more

Rates were good and I decided to look into refinancing. I found Tom Navarro through a quote request I made through bankrate.com, which is a reputable website. Tom was extremely responsive and efficient with his communication and handling of paperwork. I am also extremely confident I got one of the best deals I could working with Tom (best rate/lowest closing costs) as shopping around with the big banks was consistently more expensive. Tom is professional, courteous, and was able to get me results! Five-star PLUS. read more

Tom helped me once again! I am so happy with my interest rate, my payment & best of all my home! Thanks to Tom I was able to purchase another home in Orange County. My situation was soooo complex & he managed to get me to the finish line! Thank you Tom & Veronica. read more

Tom Navarro is hands down one of the best mortgage brokers I've dealt with. Although I didn't do my refinance through his company, I was able to communicate with him very smoothly and efficiently. His customer service is top notch and his ability to go out of the way or provide me a competitive deal is something that many other brokers wouldn't do. It pays to speak with the owner of the company! I felt he can use my 5 star review because he definitely helped me with my refinance that I locked in with through another lender by notifying that rates/fees dropped. I highly recommend! read more

Great guy to work with ... super low rates and doesn't give you the run around he will off the best product on the market. Rates and fees are low. Turn time is fastest in the business. I encourage to stop and get a quote to make sure you are getting the best product. read more

We wanted to refinance our home mortgage to take advantage of the current low rates - and went to the typical banks. All three major banks told us they are not offering anything less than the current rate we had. Tom Navarro was then recommended by a coworker - with very high regard. He was very diligent in his work, and guided me through every step of the process. Things did come up, but Tom and his Team (Roger) at Cal Loans Direct, Inc was very helpful in explaining what needs to be done, and the reasons behind each action. His communication is very much appreciated since he always kept me abreast of the status of the process, and advised me on the possible next steps. All in all, considering the importance of refinancing a home, Tom and his team really made the process run smoothly. At the end of the day, we refinanced our home for a very low rate which lowered our monthly mortgage. VERY HIGHLY RECOMMENDED read more

When I was shopping for a refinance loan for my home I contacted many companies. Cal-Loan was the first call I made. His offer was below most others and stated that there would be absolutely no closing costs. Even my appraisal would be refunded. When I called him back to lock in, he stated that the lender credit was reduced a little but he covered it and delivered on his word. I have refinanced several times and this experience was far better then any of the previous ones. He kept us updated almost daily on the status. We were able to close early. Whenever I called he picked up the phone. He answered all questions and was very patient with us. If you are seeking a loan to purchase a home or a refinance, do yourself a favor and call Tom at Cal-Loan Direct. They are a first class operation. read more

I just wanted to share my experience that we recently had with Cal Loans Direct. My fiance and I were very interested in getting away from our FHA loan and into a conventional 30 year fixed. Mainly we wanted to cut down on the extra mortgage insurance and to take advantage of the current rates while they were still at historical lows so I gave Tom a call. His office was nice and clean, he was very professional taking calls from us after our regular work hours, his co-workers were easy to deal with and we ended up locking in our refinance with Quicken Loans through Tom's company. We were so relieved to find out we got the rate we had discussed and everything was good to go after our appraisal came back. What a relief! We have family members and friends that have gone through this process and it took them much longer. I think from start to finish the whole thing took less than 30 days and for us that was a life saver. I would highly recommend going with Cal Loans Direct, they are friendly professionals and they will even talk to you on the weekend! read more

I was looking at a loan through JFQ but a friend of mine referred me to Tom at Cal Loans and I am SO happy he did! I was looking to take advantage of the crazy low rates and refinancing my primary home and taking out some money to do a kitchen remodel, but in addition I also wanted to do a straight re-fi on my 2nd home. I already had started the process with JFQ but when I asked what Cal Loans could do, Tom was so nice and easy and responsive to work with, and the pricing was SO good, I put the loan process with JFQ on hold. Tom not only was nice, easy and responsive, but between the 2 loans I was working he saved me THOUSANDS in fees! I promise you I am not exaggerating here! I compared apples to apples and the ironic thing was both JFQ and Cal Loans used the exact same lender! So it was purely because JFQ is huge and has a ton of overheard that their fees were completely jacked up. Mind you...I have a very high FICO score, have a ton of equity in both properties, have lived in the same primary home for over 20 years, and been on the same job for over 10 years, and provided all required docs as quickly as he asked for them...all factors that help me in a loan process. But working with Cal Loans was such a straight forward, no BS process I just had to post this review and share how happy I am. We started this on September 1st, and even with me going back and forth and comparing the 2 options I had on both houses, I signed docs today on September 25th. Tom sent a notary public to my home. FAST! And super smooth. I HIGHLY recommend Cal Loans Direct, Inc. read more

Tom at Cal Loans Direct is a dream to work with. He does a wonderful job of explaining your options and was able to get things done very quickly. He was very responsive throughout the whole process and was able to answer any and all questions. I know I was able to get the best loan and rate all thanks to Tom. If you are seeking a loan to purchase a home Tom should be your guy! read more

I just finished a refi with Cal Loans Direct, and I must say it was a breeze. I tried to do a refi with my current lender, but their fees were high, and I quickly became frustrated with the person I was dealing with (she didn't understand why I couldn't fill out a locked pdf ). I worked with Robert, and he was very helpful throughout the entire process. Every member of the team I dealt with was very professional, and all my questions were answered promptly. This was by far the easiest mortgage I have ever done. They even sent the notary to our house to sign off the loan. I may have spent a total of an hour or two dealing with my end of the paperwork, etc. I would use Cal Loans Direct again without hesitation. read more

I can't say enough about how Sasha Mohammed at Cal Loans Direct helped me refinance my condo. She carefully looked at all my financial information, was able to do it all on line, and told me she thought I could qualify for a loan I didn't think I would qualify for. Her attention to detail, her availability by phone when I had questions, was worth the wait when, after everything was complete, she was able to get me a rate and terms I didn't think possible. I highly recommend her to anyone looking for a Mortgage loan. read more

There are hundreds of Mortgage brokers out there and they all want your business, but once you signed up, they are very hard to get a hold of and difficult to deal with. I had a great experience with Cal Loans Direct as I worked with Tom and his team to refinance by owner occupied home. Tom was very profession, courteous, efficient, and transparent. He took time to explain about rates and rebates in loan processing. They spent the time to help resolve any problem I had regarding credit report, etc. The loan process was quick and stress free. Turn around time was great. I recommended them to my co-workers and friends. Will definitely do business with Cal Loans Direct again. read more

Best. Experience. Ever... I've purchased 3 homes and refinanced 3 times and this was, hands down, the best experience I could've hoped for AND they had the best rate. Sasha was the epitome of perfect customer service and was helpful, knowledgable and extremely responsive. The technology kept up to and I was able to e-sign everything possible and they sent out a mobile notary to sign closing docs. On top of it all, this was a VA loan which adds some complexity and they didn't miss a step. Need a sixth star for this one as it was incredible! read more

Cal Loans was a great company to work with on my refinancing. They first worked on fixing a problem on my credit report and then gave me different options for refi and closed the deal in a timely manner. They were very proactive and responsive to all my inquiries. I would recommend them to anyone with confidence. read more

Tom helped me a great deal in navigating loan options for me while trying to get a better rate and consolidate debt. I couldn't be happier with my end result and I have Tom to thank for that. I will definitely trust Tom to do any future loans for me as well as refer him any friends looking for loan options. Thanks again Tom! read more

Very highly recommended. We refinanced with Cal Loans and couldn't be happier . Very responsive and kept us informed during the entire process. The rate and fees were exactly as quoted. You have to use these folks if looking for a loan. read more

5 star services. I have been Tom customer since 2011. He provides excellent services and very fast. Very reliable, trust worthy. All my previous coworkers go to him for refinancing. Highly recommended. read more

I would highly recommend using Cal Loans Direct for doing your home loans. I worked with Tom and he really met my expectations of a complete pro! read more

What can I say about Cal Loans Direct? This was the easiest and fastest refinance I have ever done in my life. Tom and his team have made this a wonderful experience. He is always available to answer any questions I had and made the process so easy for me and wife. I highly recommend this company! Thanks Tom! read more

Simply the best! You will NOT find a better rate or a better company to refinance your home with. It was truly a pleasure working with Tom Navarro. He was pleasant, responsive and professional. He kept all his commitments, including refunding my appraisal fee! Zero cost to refinance my house at the very lowest rate I could find on-line! Unbelievable. Thank you so much Tom! read more

Cal Loans Direct did a great job helping to refinance my home mortgage this past spring. They were incredibly professional, responsive, and were a pleasure to work with. Would highly recommend their services. read more

Great service, fast results, and great experience, Sasha was the best. She was there to answer my question pretty much 24x7. The process was much quicker than our previous refi, it was free, and we got a killer deal. I would highly recommend Them, particularly Sasha, if you are trying to finish the deal quick and easily. You need a smart agent and with Sasha you get that for sure. read more

Robert McClung at Cal Loans Direct, Inc. delivered on everything he promised. He got us a great rate, a credit towards our refinance, and made the process as streamlined as possible. Thanks for your help, Robert. You worked hard to get our mortgage closed and I greatly appreciate how it will affect my family for years to come. read more

I refinanced my home with Cal Loans Direct and they were the best! They made the process fast and so easy for me. Everything they promised me was delivered :) I would highly recommend Cal Loans Direct for refinancing. read more

I was hesitant to work with Cal Loans Direct for my mortgage refinance because all the communication and interaction would be over the phone or e-mail and never in person. However, my positive experience with Tom Navarro surpassed even my expectations. Tom is straight forward, honest, communicates well, and very fast with the overall loan process. There are no surprises or extra fees that you aren't aware of. He makes you feel very comfortable with the entire loan process. I highly recommend going to Tom for any mortgage needs. He won't let you down. read more

Very highly recommended. I came to Tom after a bad experience with another mortgage broker that I ended up firing for dishonesty. From the start, Tom was the polar opposite of my previous experience: highly responsive, both by e-mail and by 'phone and very clear and patient in explaining the terms of the refinance to me. Cal Loans system was also very clear so that I received an e-mail to let me know where I was in the refinance process at each step. I felt that Tom was always honest and respectful to me as a client. Even after the refi closed, when follow-up was required with the escrow agent, he ensured that I received prompt treatment from the agent in question. Excellent service all round - I'm not surprised to read the other five star reviews on here and Zillow, and pleased to add my own to them. read more

Cal Loans Direct was very helpful and professional when it came to refinancing my mortgage loan. I originally sought to refinance with another company but was told they could not help me. A colleague of mine highly recommended Tom to me. He took his time to answer all my questions and made this process extremely easy and convenient. He is straightforward and stands behind his guarantee. I would definitely use their service again and refer all my friends and family to him. Honestly, this is the best experience I had dealt with thus far and I can't imagine any easier or better scenarios in the future. Thank you Tom and Cal Loans Direct! read more