Aloha. If you need a lender who actually understands real estate investing and doesn't panic at the…read morefirst sign of a complication, look no further than Griffin Funding. I worked with Marina Oliver and Shell Contizano on a cash-out refinance for one of my vacation rental properties. Because the property has an ADU and my financials involved multiple businesses, a standard loan wouldn't work. Marina expertly guided us into a DSCR loan. Along the way, our title report pulled up an old judgment that wasn't mine and a pending insurance lawsuit. Where other lenders would have backed out or delayed for months, Shell and Marina communicated clearly, told me exactly what documentation they needed (like an identity affidavit and an attorney letter), and pushed the file through underwriting without missing a beat. They put in the elbow grease and got it done. Five stars all the way. Mahalo!

As an experienced Asset Manager with a company overseeing a portfolio of properties, we are sharing…read moreour experience with Griffin Funding for the benefit of the public seeking mortgage loan/brokerage services. * We engaged Griffin to advise us on options for a DSCR 2nd Loan (i.e. 2nd-lien priority). After many hours of extended discussions and emails over many months with the Loan Officer we felt our situation was clear and a subject property for the loan was selected. * We were given verbal assurances that based on the estimates, projections and models shared and discussed, based on the cashflow and DSCR ratio of the property, a loan would be approved. * An appraisal was then requested and ordered by Griffin. We paid $825 for the appraisal fee. * We then stated the loan amount could be adjusted to meet the DSCR ratio requirement. In the meantime, we met on-going, voluminous documentation requests. * Thereafter, the Loan Officer informed us there was a $100K minimum loan policy but agreed to lower the loan amount to $60K in order to obtain approval. At the same time, the Loan Officer stated the appraisal had nothing to do with the loan approval. * Next, we were told that Griffin would not allow an exception to their $100K minimum loan policy and therefore could not approve the loan. The Loan Officer then (again) proposed we switch to a 1st-Lien Refi (requiring a refinance of the entire loan balance from approximately 3% to 9%+, an option we clearly ruled out at inception). * At that point, we requested the $825 appraisal fee be refunded given the minimum loan policy was not made clear at the outset and the Loan Officer stated the appraisal had nothing to do with the loan approval. Surprisingly, our request for a refund was met with immediate rebuttals, reprisals and accusations. When we referred the matter to the CEO of the company noting Griffin's standard email footer "...our CEO would love to hear from you...", after approximately three months we received an email response. Rather than reaching out to discuss the specifics of the situation, address concerns and consider a reasonable resolution, we were again met with absolute rebuttals and refusal to take any further action. Upon expressing our dissatisfaction once more the response was "...refer all correspondence to our attorney...". In our opinion, individuals and businesses seeking real estate funding/loan services are well-advised not to engage Griffin Funding.

From start to finish, Alex and team were there every step of the way. Super responsive, attentive,…read morehelpful, we literally couldn't have closed on house without them. If I get the opportunity to purchase another home, I will definitely reach out to them first.

Husband and I had an amazing experience with Alex and his team! House buying process was smooth and…read moreeasy with clarity, communication, and a ton of knowledge. As first time home buyers, we felt very comfortable and transparent with Alex. Definitely recommend him and his team.

WITHOUT QUESTION! The best mortgage lending experience with Brian Shaw of San Diego Funding!…read moreLet me just say how fortunate we have been to meet Brian as our mortgage broker. Our amazing realtor connected my husband and I with Brian and from our initial conversation to the moment we closed Brian was with us every step of the way. He was so incredibly patient with my one-thousand questions and helped us build confidence to tackle on a HUGE commitment. We knew the home buying process was going to be a challenge as we had no idea where to even begin, Brian made us feel at ease and explained exactly what needed to happen step-by-step to get us funded. One of the greatest qualities in Brian that I really appreciated was his sound advice when it came to completing tasks during the under-writing process along with his pristine organization skills and communication, he made sure we dotted our i's and crossed our t's; With this crazy COVID time in the housing market Brian's great sense of humor made the lending experience much more enjoyable. YOU WILL NOT BE DISSAPOINTED! Once you establish with Brian, he is at your corner non-stop and will work hard to help you get what you need to get in your home, I was amazed how quick Brian had our paperwork and information gathered, approved and ready to go that we pretty much coasted the last 2 weeks before closing. We are so very thankful and honored to have Brian on our side, we will absolutely connect with him again for any lending needs. Brian, we could not have moved forward without your guidance and owe this great achievement of being homeowners thanks to you. Again, thank you for making our dream become a reality... You are the best!!!

My wife and I had to opportunity to work with Michael Campos on our home loan. Michael was…read moreprofessional, educating, and a straight up hustler. He took the time to help us on all our questions. I would recommend him and San Diego Funding team for any home loan or refinancing.

Talk about a one stop shop and very pleasant! I'm so glad that we decided to work with Mike! He…read moregoes above and beyond. Answering all of my questions and extremely responsive. Better yet very knowledge on different market places and with different types of loans. It was specially great in my case that the company had a presence both in the east and west for my particular situation it was icing on the cake! He paid attention to all the things I wanted in our forever home and I just can't say enough positive things about Mike and his entire team!

We refinanced our house with Mark and the Guaranteed Rate team and they were extremely…read moreprofessional, great to work with and made the process easy and seamless. The team was prompt to respond to questions and act as a trusted resource and liaison to get the refi across the finish line quickly and with no surprises. We also worked with him at Wells and the level of service and support has been maintained, if not exceeded at Guaranteed Rate.

This was the second deal we had with Stephanie and team. We love them. This is the team you need…read morewith the biggest investment for you and your family. We were kept up to date all the way through the process. They made it easy to tell them what we wanted to accomplish and was also provided ideas to even make our plan better. I'd refer them to everyone! Thank you Stephanie and team, (Special shout out to Kathleen)

I was in a pretty tricky spot trying to figure out how to finance some major renovations on my…read morehouse. It wasn't a simple situation, but Stephanie never flinched. She stayed positive, rolled up her sleeves, and found a way to get it done. She made a process that could've been overwhelming feel manageable and even encouraging. What stood out most was how invested she was -- not just in closing a deal, but in truly helping me move forward. I'm really glad I had her in my corner, and I'd 100% work with her again.

These people advertise that as long as we have equity they have creative solutions. That they have…read morenumerous banks with which they do business. Therefore, they can always find a way to help. That they are unlike other lenders. That really is not true. I have over 50 percent equity in my condo. I spoke to Able a few months ago. He told me that he could not help me because the complex in which my condo is located was in litigation. He said I would have trouble with all lenders because of the litigation issue. That is not a solution. He put himself in a category with all other lenders. As the conversation progressed, Able told me that others have written bad reviews saying that he could not or did not help them. He seemed to be implying that their expectations were too high. That, of course, he cannot help in all situations. I pointed out to him that is their advertising. That as long as we have equity, they can help. So it is understandable that people with equity would be disappointed when the E Mortgage team says they cannot help. The litigation issue at my condominium complex was resolved. I called Able back about a month later. I also texted him. I reminded him of our prior conversation. I told him the litigation issue was resolved. He ignored all of my calls and texts. That is not the response one would expect from two guys who advertise that as long as we have equity, they have creative solutions. It is also very rude. The truth is, they do not have solutions which are not available to any other run of the mill lender.

I just closed on my loan with the help of Tim Baudis and Carlos Rodriguez…read more I'll admit I had several questions and put them through their paces and I have to say they were great!! There was a time delay because I had rain damage right before my appraisal. Tim and Carlos kept a cool head and worked with me to reschedule the appraiser. They suggested I do a little patching and painting and after the appraiser came out I only had one correction requested by him. My point is, through it all they helped me and I am SO grateful! BTW, I had been talking to Tim about this loan for about a year. He always took his time to answer questions and give me numbers and that is what made me go with emortgage Guys. There was nothing in it for him to take all that time with me and he did it anyway.

Richard here at Horton does an awesome job. Best rates in town, and he really takes the time to go…read moreover the paperwork you to make sure everything is clear. He's up front about his fees and what he stands to make from you. Not pushy at all. After haggling with a major bank about this for years, I'm so glad that I found The Horton Financial Group. He got me about a point less no-cost loan! Re-fi'ing has never been this easy or cheap. Thanks, Richard.

From the owner: We are here for you 24 hours a day, seven days a week. I invite you to fill out our free case…read moreevaluation form. Or talk to me, San Diego injury lawyer Mike Feldman, right now, toll free, at 619-297-5811 My name is attorney Mike Feldman. I have been practicing personal injury law representing San Diegans throughout San Diego County for over 25 years. I have handled 1000's of cases. I take considerable pride in my law practice and will give you my word that I will do my best to get you the result you deserve. Hiring an experienced personal injury is the key to handling any case, because without a lawyer on your side, you are at a severe disadvantage. Unless you are an expert in this field, you will be all alInjury Lawyer Serving All Of San Diego.one going up against a well oiled machine called the sophisticated insurance industry that has invested billions of dollars in maximizing its profits by minimizing the compensation paid out on legitimate damage and injury claims suffered as a result of their insured's negligent wrong doing. You should also be careful when selecting a lawyer. When you contact my injury law office, you will meet with me personally and I will go over the case with you. I do not send out a non-attorney to meet with you and get you to sign a fee agreement. This is an improper practice and should put you on notice to get a second opinion about your case from another lawyer such as my law office before proceeding further...

I was introduced to Justin Sheftell by a dear friend. These kinds of recommendations go a long way…read morewhen it comes to mortgage & lenders. My experience with him, on several occasions, has been professional, prompt, & most courteous. I highly suggest Courtesy Mortgage to those of you looking to deal with an A+++ lender. Thanks, Justin. MF LaLonde

Justin and Laura were EXTREMELY HELPFUL and knowledgeable with competitive programs for mortgage…read morepurchases. Thankful to have worked with them!

Wes is very knowledgable and did a great job guiding our mutual client thru her loan process and…read morenew loan purchase. Highly recommend. He was always available to myself and our client and all paperwork was completed on time with no mistakes. Great job!

Next month we will have lived 1 year in our home. I still sometimes can't believe we are homeowners…read more!! We wouldn't have been able to purchase our first house without the smart, hilarious, and wonderful WESLEY !! People would normally say this wouldn't have been possible without the RE agent. However in our case, I wanted to strangle the agent who was workin my last nerve. I was THISCLOSE to calling it off. But Wes swooped in with his very high people-IQ, coolly talked me through my anxiety attacks, and was essentially the Lifeline of the house-buying process. I'm not easily impressed by people but with Wes, I seriously can't recommend him highly enough. He went above & beyond to make me feel like he was holding my hand the whole way and that we were his only clients. Which as a first time buyer I reaaaallly needed. Wes had an awesome ability to make me feel very much at ease. He is also a phenomenal explainer which I absolutely appreciated!! SO PATIENT and simplifies terms to make us truly understand. Wes knows his industry front and back, this guy is super sharp don't let his young face fool you. During our time working with him he was usually steps ahead of everyone involved, he anticipated what needed to be done, always knew what to do, and correctly sensed what could be done better to our satisfaction/ needs. Wes, I want to say to you, from my heart and from the hearth of our loving home, thank you so much :) :) :)

Tom McTygue is the best mortgage broker - he's as good as it gets! He has helped me through 2 very…read moredifficult real estate purchases, which I probably would not have made it through without him. He really goes above and beyond, even to the point of calling up contractors for emergency opinions/estimates, appealing appraisals, and working with you to fix mistakes on your credit report. He will do what it takes to get things done and help you get a good rate on your mortgage. You can trust him for objective advice on financial and real estate matters. I highly recommend him!

I have worked with Tom and his team on multiple transactions over the last 15 years. In addition…read moreto providing excellent guidance and advice, Tom helped me save many tens of thousands of dollars. A home is most often the biggest and most emotional purchase someone will ever make, and having a knowledgeable and proactive partner in the market is exactly why I've chosen to work with the McTygue Group many times. Responsive, knowledgeable, easy to work with and competitive --- the McTygue Group is a solid choice for personal service and a great outcome.