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    CLS Financial

    4.9 (199 reviews)
    Closed Closed

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    Services - CLS Financial

    Mortgage services

    Mortgage refinancing

    Home purchase

    CLS Financial Photos

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    Reviews With Photos

    Kelsey A.

    My husband and I started working with Wendee and her team, probably in like May of this year. We were trying to buy our first home and really weren't sure of the process. We weren't in any rush and wanted to really love our first home. Wendee and Gaby broke everything down and explained everything to my husband and I so we felt comfortable. We actually closed on the home yesterday. We had a tiny fiasco with the Escrow people - to make a long story short, something didn't make sense to us. So we talked to Wendee and Gaby about it and they HANDLED it. It was so nice to work with a company that was completely on our side and willing to fight for us. 10/10 will recommend to everyone I know. Thank you Wendee and Gaby for everything!!!

    Tony and Wendy Close

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    2 years ago

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    7 years ago

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    3 years ago

    Love Wendee and Tony! The whole team at CLS is on point, always got my back and professional! Get your loan here!

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    Business owner information

    Photo of Wendee C.

    Wendee C.

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    Wendee C.

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    6 years ago

    My wife and I have had great experiences working with CLS Financial. Would absolutely recommend them.

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    Page 1 of 5

    Ask the Community - CLS Financial

    Review Highlights - CLS Financial

    Wendy works her magic and she is extremely knowledgeable and kept us in the loop on everything.

    Mentioned in 13 reviews

    Read more highlights

    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (716 reviews)

    Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

    ​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

    Aragon Lending Team - Meet our crew and see how we make amazing happen for our clients (and have fun doing it!)

    Aragon Lending Team

    (216 reviews)

    Downtown

    Julie and her team are hands down the best. From the very beginning, they were incredibly…read moreresponsive, easy to approach, and made us feel completely comfortable discussing our budget and finances. There were many times we felt like we were asking "silly" questions because of all the mortgage jargon, but her team always took the time to explain everything clearly and made the process feel simple. Beyond their great communication, Julie guided us through a fast 21-day escrow that successfully closed--something we truly appreciated. This team doesn't mess around; they genuinely work in your best interest and go above and beyond to get the best outcome. Even after closing on our home, Julie continues to be just as responsive and helpful, answering our questions and proactively guiding us as we start thinking about refinancing. The Aragon Lending Team is always three steps ahead. It was such a pleasure working with this team during one of the biggest milestones of our lives. Thank you all so much!

    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.

    CLS Financial - mortgagebrokers - Updated May 2026

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