Mai truly went above and beyond for us throughout the entire home loan process. She always stayed…read morein communication with us, kept us informed every step of the way, and was always there to answer all of our questions. She was patient, knowledgeable, professional, and made us feel supported from beginning to end. With interest rates being so high, getting the house we really wanted honestly felt impossible at times, but Mai made it happen for us! She worked incredibly hard to find the best options and helped turn what felt impossible into a reality. Thanks to her dedication and hard work, we got the home we wanted, and we couldn't be more grateful. We highly recommend Mai to anyone looking for a home loan agent. She truly cares about her clients and will go above and beyond to help make your dream of owning a home come true!

Had the absolute BEST experience with the best lender!…read more I'm not new to real estate and have had the opportunity to work with several lenders who are great at what they do, but she truly exceeded every expectation. From start to finish, she was knowledgeable, responsive, professional, and made the entire process seamless. I will HIGHLY recommend her to anyone and everyone I know! If you're looking for a lender who genuinely goes above and beyond, she's the one! Thank you so much Mai! Sincerely, Edward and Debbie

Erik Board understood from the beginning that we were well-qualified buyers that were going to shop…read morearound for the best rate, as this was not our first home purchase. Erik was willing to compete to provide the best rate, terms, and guaranteed on time closing. He provided a quick pre-approval letter that was needed to make a more competitive offer to the house sellers. He was transparent on budget and the money down that would provide the pricing. Following the home inspection and our intent to proceed with staying under contract, he provided the best loan estimate and fixed rate with no points from a pool of five different lenders that were all in competition for my business. Optimum First won out with a loan estimate that the other lenders couldn't beat. Everyone at Optimum First was very responsive, even at odd hours or weekends. We were moving from Virginia to Texas and with Optimum based out of California, the time zone difference played to our favor since we could email and contact them after work on the East coast and they would respond the same day with the three hour time zone difference. Make sure they lend in the state you are considering on buying. They are CA based and cover a lot of states, but I am not sure if they cover all of them. After we committed to using Optimum First as our lender, we generally had no issues with loan processing and providing necessary documentation or follow-up info for underwriting. However, one word of advice is I would recommend as soon as you know you want to stay under contract (likely after your home inspection) and proceed with the house you want to purchase, obtain your final, bound homeowners insurance policy with your preferred provider (not just a quote, the policy) as soon as possible. This will be needed with Optimum First for your clear to close letter and any buyer financing requirements stated in your contract. It will help make sure you close on time to make sure the policy is in place as soon as you can get when you commit to Optimum and go into underwriting.

The loan officer who assisted me in obtaining my mortgage did an adequate job. Not great, not…read morebad, adequate. I was notified by Optimum several months after the mortgage was written, that they had failed to secure my identity and financial data, putting me at risk for credit fraud. Given the a voluminous amount of financial & identity data which mortgage processors require, its very disconcerting that Optimum did not take adequate precautions to ensure the security of my data.

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and her team kick a$$! Mike helped us with a HELOC and I'm glad to say from the moment we…read moreconnected it was a wrap. Not only was the process made easy to understand, it was completed from the comfort of our home and our schedule.The team is flexible, quick, knowledgeable and most importantly explained it in a way that made sense to us. Our HELOC closed in a little over a week. Mike was in communication with us which felt like 24/7. If anyone is looking for a reputable lending team look no further.

Absolutely amazing! Very communitave and answered all of my questions in a timely manner and got me…read morea beautiful rate on my home. Would absolutely recommend Steven

My wife and I are first time home buyers and we had a great time consulting with Steven! From the…read morestart, he was very responsive, professional, and courteous. He also took all the time to answer our questions and explain any loan concepts that we were confused about. Working with him really does feel just like working with a friend who has your best interests in mind. We did end up proceeding with a lending branch in our hometown of Irvine, but we want to say that Steven offered us the best rates and service out of any loan officer we spoke to and we would highly recommend his services!

We have used Aaron Madonna, from Endeavor Mortgage, to re-finance in 2018, 2021, and get a HELOC in…read more2023. He is very direct and honest and gets his loans completed quickly. Aaron is with you every step of the way and always follows up with next steps; with Aaron you are never left wondering what's going on. Aaron is also the best at finding you the best rate, even better than our family friend. He is so good that I have referred him to my aunt, my mom, my cousin, and 2 of my friends and they have all used him. We all now have a "loan guy" and I hope he never retires because with Aaron you know there isn't anything hidden.

I just got my house refinanced with Endeavor. I worked with Aaron Madonna and he was not only super…read morenice and informative, he looked out for my best interest. He worked really fast and stayed in close contact with me the whole way through. It took less than a month from start to finish. So easy and stress free! I would wholeheartedly and highly recommend working with Endeavor Mortgage and more importantly Aaron Madonna. He is awesome to work with.

Working with Chenine is so refreshing. First of all there is her cheerful personality that makes it…read moreeasy to keep communicating with her. And because she is definitely on top of everything during the entire process. Her turn around time is quick and she give you the feeling that you are her VIP client. She send us a video explaining what we saw on the documents, which made it way easier to understand. Refinancing is definitely not one of my favorite things to do, but she has talent to make it effortless and fun. I would recommend Chenine to anybody who has a mortgage and is looking to refinance or to first time buyers. She is one of a kind and works hard to get you what you need.

A really good friend recommended Chenine so the expectations were pretty high. I must say she…read moreexceeded our expectations!! Extremely helpful and knowledgeable! She helped us find the best rate possible and stayed within the timeline she gave us. Quick to reply and answer all our questions! Could not be anymore happy and satisfied with Chenine's service!! Thank you Chenine!!

I'm pleased to write another review for CLS Financial, specifically for Brad Fish. This is my…read moresecond time working with Brad, and he makes the entire process from offers to escrow incredibly smooth and efficient. His exceptional communication skills and calm demeanor are comforting during the stressful experience of making offers and going through escrow. Brad's stellar reputation in the Long Beach community is well deserved. I highly recommend his services.

You gotta love CLS! Always informative, always offering…read morevalue and so fun to be around! Tony and I worked on a deal with a first time buyer and he was always accessible when I needed a new preapproval letter for my buyer on another property, even on a weekend! (And we got into escrow!) Such a great team! Cyndi is so sweet and puede hablar español! Can't wait to Close deals with the Close Loan Specialists!

UPDATE: 11/30/18. I finally decided to call back and spoke with Rich A. We talked a bit and I…read moretold him what I wanted - to take some of my equity and payoff credit card debt - refinancing my mortgage. Initially he said he would put together a package. A little while later I got an email saying we were not at the correct LTV ratio to refinance. WHAT THE!!? Ok I am new to mortgages but I thought you could refinance at ANY time, not just when you have under 80% and can lose the mortgage insurance. Also, he should have known that while initially on the phone with him. I told him specifically what our mortgage was, how much I wanted for CC and what our home should appraise at. Btw, they check the value of your home based on websites like Redfin and Zillow and Trulia. We've done some extensive remodeled which obviously would not be reflected in the websites estimates- but that wasn't even taken into account. Our home was flat valued at market rate for the AVERAGE unit in our area. No thought of compensating for the kitchen gutting and remodel or the bathroom refresh, which can add serious value to equity. Not even a suggestion of an appraisal Just a flat out "we cannot help you" Hmm, someone out there will refinance us and get a good chunk of change doing it - and we will pay off our CC's and still have tons of equity -just not with these folks. Good luck and God bless .... Review 10/20/18 approximately - I don't know ... I heard the ad. I went to the website and filled out the contact form. I waited for a call back. Nothing. I called the number that was the personal phone of owner. Left a message requesting a call back. Nothing. So.... what's up? Selective responding?

Highly recommend Park Place Funding for refinancing. We had a particularly special set of…read morecircumstances that needed extra attention, extra work and heaps of perseverance to see our refi through and Park Place Funding was the team to do it. Hats off to Rich, Kym, Martha and Team for working through this with us. You did a great job. God bless!

DO NOT USE TIFFANY OR PROGRESSIVE LOAN FUNDING! We almost…read morelost our house because of her. Not a Direct Lender and the company over charges. If we didn't switch to another lender we would have lost our house. Reporting to BBB and National Association of Mortgage Brokers.

Tiffany is by far the best part of my house purchasing process. She is knowledgeable, patient, and…read morecompassionate. Tiffany was communicative and efficient. Her timelines were always accurate and we closed in my 30 days. I will never purchase a home without using Tiffany.

Working with Susy Smith and Laine Warthan throughout our four-month journey of selling our condo…read moreand buying our forever home was an incredible experience. From start to finish, they were knowledgeable, responsive, and genuinely had our best interests at heart. They always took the time to listen to our concerns, answered our questions quickly, and made sure we felt informed every step of the way. Whenever we needed guidance, they offered thoughtful strategies without ever making us feel pressured. They were also incredibly understanding and respectful of what we wanted and how we wanted to approach each decision. Buying and selling at the same time is stressful, but Susy and Laine made the entire process feel so much more manageable. Their professionalism, dedication, and hard work truly went above and beyond, and we couldn't be more grateful for everything they did for us. If you're looking for real estate agents who are knowledgeable, trustworthy, responsive, and genuinely care about their clients, we wholeheartedly recommend Susy Smith and Laine Warthan. We are so thankful we chose them and couldn't imagine going through this process with anyone else!

worked with Bushra to start looking into homes with my husband. she is super sweet and…read moreunderstanding. she's willing to help in anyway. i appreciate her kindness and patience with us, as it was our first time looking for a home!