Tracy and his team helped to make buying our first home a fun experience. We entered the market…read morewith limited knowledge on the market. After consulting with 2 other lenders, we chose Tracy because he was the one not who took the time to explain every step, definition, and the market in general. His team walked us through what to expect and, more importantly, were empathetic when things got overwhelming. There wasn't a time or day someone wasn't available to answer questions or talk us through. I genuinely feel that the guidance Tracy provided is the same he would give to his family. Bonus points for freshly baked cookies sent to our home after our loan was approved.

Tracy helped my daughter get her first home loan. He was the best! very professional, very…read morededicated and always had the time to explain details and answer questions! I would highly recommend Tracy and the team at NEO!!

John is the best in the business!…read more We weren't to happy with the lender we had chosen originally and we decided to jump ship to his company and he was able to get our loan approved and processed in a week. He was so quick that even though we switched lenders during the escrow period our original closing date was moved up 2 days. It is now 6 months later and he contacted us to help us get a better interest rate so we can save more money, month to month. Again I highly recommend John and California Superior Mortgage. He is a true professional and will do everything he can to ensure you're well taken care of during your home buying/refinancing process. - Justin Hyde

We cannot sing the praises of John Wotawa and California Superior Mortgage enough! John is honest,…read moreapproachable, available, and helpful. When our loan became challenging, John came to the rescue. When we had questions, he answered them until we had no more questions. He checked in and gave us status, his fees are the best around. He was able to pull off a rate for us that two other mortgage brokers could not achieve and in record time! I will refer him over and over again!

You get the best, when you work with the best! Alex and Joseph are the best, great to work with,…read moreand have access to a lot of different lenders. When running your own business you typically want to pay as little taxes as possible. You do that by showing the least amount of income and the most amount of write-offs. That works for lowering your taxes and unfortunately it drastically lowers your ability to qualify for any loans to purchase or refinance single family homes. Every lender was telling us no, including the mortgage lenders we were currently paying every month. The beauty of working with American Financial Lending is the knowledge, experience, and access to different lenders that Alex and Joseph have which made all the difference. One of their lender did say no, at the very end of a long process. Without having to start completely over, they were able to quickly move on to another lender with all of our information and appraisals in place and find another lender, for our exact needs and loan type to refinance our rental and primary residence, both here in Santa Barbara. Looking for a Hard Money loan to do a fix and flip anywhere in CA, they can do it! Take it from me, Dan Ringwald at https://nhbig.com/ We can help you buy and sell with big savings and deep discounts and our best recommendation on loans are Alex and Joseph at American Financial Lending!

Where to even begin.... I worked with a great broker named Raymond (Ray) and Joseph helped out a…read moreton as well. This was such a tricky loan, as it was for my first home purchase and I was hoping to utilize income from a converted garage studio to increase my borrowing power. Again, this was a very technical loan with a lot of moving pieces and novel situations for underwriting to navigate. In the end, Ray and Joseph got the loan done and got me a great rate! I would highly recommend working with AFL, as they have a wide range of loan programs and well-fostered relationships with multiple lending organizations. Last, I was super anxious throughout the process and both Ray and Joseph took my calls, supported me through the process, and kept me even keel to the finish line; their support pertaining to my stress was invaluable, particularly during a first home purchase!

Carmela deserves a 100 star review! She helped us buy our…read morefirst home (we got our keys a few days ago and we are still celebrating). She helped us find a great home at a fair price and was able to make sure our offer was accepted even in this "sellers market" when competing with investors and a lot of other offers. We purchased a triplex in the San Fernando Valley area and she was able to guide us, support us and encourage us every step of the way. Carmela is an excellent negotiator and she knows the market extremely well, on top of that, she really cares for us as her clients and was able to help us thru any questions or doubts we had in this process, we truly would not have been able to close on this home without her!

Carmela is so successful, selling gorgeous multi-million-dollar homes, yet she freely gives back to…read morethe larger community through serving folks like me, who came across unavoidable life obstacles and needed to access a non-profit mortgage lender to purchase a very small, little one-bedroom condominium. Carmela always presented herself with a beautiful blend of high-end class and humility, genuine approachability, and respect with an authentically sweet spirit. She made me feel like I was purchasing a multi-million-dollar home! Carmela's skill and expertise as a Real Estate Agent is phenomenal! Her knowledge and negotiation skills, along with her concise articulation is quite impressive. She certainly knows the times that call for pushing hard and she always got results! Yet, even when a firm approach was needed to ensure time sensitive deadlines were honored, she is never without a calm, respectful delivery. What a pro!! Other agents could learn from her, that's for sure. She never, ever spoke a negative word about anyone, either. To the contrary, she offers balance toward the other, even when they were not present to hear. Carmela just keeps to her Integrity, while diligently working hard toward the mark. She ALWAYS returns an email, call or text, too. To summarize, Carmela is a truly outstanding, professional Real Estate Agent! She operates her own successful company, selling high-end multimillion-dollar homes, and yet offers her personal expertise without respect to socio-economic status. She is the real deal Real Estate Agent who is genuinely concerned about her clients, is approachable and humble, yet savvy and formidable in emphatic articulation of facts (when called for), while patiently standing strong in truth, with poise. Class, class, classy!! Carmela is like a close friend whom I could trust... I was not let down, and neither will you be!

My wife and I just closed on our first home, and got our mortgage through Neil and his team…read more We were beyond impressed with Community First Mortgage, and would highly recommend them to anyone in need of a mortgage broker. Neil walked us through every step of the process and was incredibly responsive. As first-time homebuyers, there were lots of things we didn't understand and Neil took the time to explain things clearly. We felt confident we were getting the best rates, and had the best team working hard for us. For reference - it took us FOUR days to get our loan "cleared to close" from the day our offer was accepted. We had a 14-day escrow period, and our loan was ready to close well in advance. That was an incredible feat by the Community First Mortgage team, and took a ton of pressure off of us with such an aggressive escrow timeline. Lastly, Neil also recommended our real estate agent, who was another incredible addition to our team. The folks at Community First Mortgage have a five star rating for a reason, we could not have been happier with the service we received and look forward to working with them next time we are in need of mortgage brokerage services.

Mike and JB helped us with a refinance. It was the smoothest financing experience I've experienced,…read moreMike was very thorough explaining the process, our options and walked us step by step. JB helped us with gathering documentation and closing docs. Entire process was a few weeks long and was very straight forward. They got us great rates and found us a great lender. Would highly recommend the team for a home purchase our refinance.

Helene from Mark's team was an angel. She has exceptional listening quality and goes above and…read morebeyond to advise/suggest timely with her wisdom. I was earlier with another real estate (not Zillow) and gave at least 4 offers and they weren't able to close the deal. Helene not only listened to my needs, but she also was an angel in disguise and showed me 2 properties and helped in closing the deal 10k less than the asking price. She also helped by providing timely advice on the inspection and was always ready and available to help/clarify/care for her clients. We have got Helene & Mark added to our friend's list for life. I must thank the entire team as they were the pair of eyes and hands behind supporting Helene and Mark. I would undoubtedly recommend the Mark Moskowitz Team & Helene without any hesitations. You guys rock. You guys are helping families like mine, build sweet memories. THANK YOU !!!

My wife and I have known Mark Moskowitz for over 20 years. He helped us sell our first home in…read moreThousand Oaks, quickly finding a qualified buyer and ensuring a smooth, on-time closing. Recently, we assisted a close family friend in her late 80s who needed to sell her longtime home on a tight six-week timeline. Given the age of the home and the complexity of the situation, we knew a professional was essential. Mark was the first person we thought of. Even before being formally engaged, he offered thoughtful advice that helped us get on the right track. Once Mark stepped in, he immediately took control of the process. The home sale presented several unexpected challenges--including a leak during escrow that nearly derailed the deal--but Mark and his team handled everything with professionalism and care. He even helped our friend with furniture donation and other details beyond the sale itself. Thanks to Mark's expertise and tireless work--including evenings and weekends--the sale closed just three days before the deadline. Our friend was able to move on time, and the buyer was thrilled. Once again, Mark proved to be the right realtor for the job. Highly recommend!

I had a excellent experience working with Jessica as my mortgage lender adviser. She was…read moreprofessional, knowledgeable, responsive, and truly went above and beyond to help me to secure my loan. Jessica made the entire process much easier and clearly explaining each step, answering all my questions, and keeping everything moving forward. Her dedication, attention to detail, and commitment to find the right solution made a stressful process feel much more manageable. I'm extremely grateful for all of Jessica's hard work and would highly recommend her to anyone looking for a trustworthy and dedicated mortgage professional. She did an outstanding job helping me get my loan! Thank you!! Jessica, you are the beat.

Working with Jessica Chen at West Capital Lending was an excellent experience. She is professional,…read moretrustworthy, and truly dedicated to her clients. I was impressed with how responsible and efficient she is-she made the entire loan process smooth, fast, and stress-free. I felt confident every step of the way knowing I could rely on her expertise. Thank you, Jessica, for making this such an easy and positive experience!

Jeff and Gina are great. Highly recommend them. Very responsive as property management.read more

Some of the reviews on here are BS. My rental property has…read morebeen with them for ten years. I have amazing renters. Also, they handle the repairs in a timely manner. I couldn't be happier.