I could not say enough good things about Jeff Joiner! I am a first time home buyer, and had no idea what I needed to do. Jeff was helpful, honest, direct, and incredibly informative the entire way. There were many times I was unsure what was next, and he was always the person to answer my questions. He kept me in the loop the entire way, and responded to my emails quickly. He was the guy who was willing to work and successfully accomplish my financial goals and situation with my best interests always in mind. I was referred to him through family, and I would recommend him to anyone I know! Thanks, Jeff! We couldn't have been here without you!! read more

Not happy. Lack of response a left hanging in all situations. Just wish things was better a Quality of things being told. Instead! No communication of what was truly going on. read more

I'm a three-time customer of Jeff's. About 18 years ago, he helped my husband and me through several refinances, and when it came time to buy out my father's reverse mortgage, I knew we needed his expertise again. I reached out to Jeff, and from that moment on, he guided us smoothly through the process and helped us successfully transition out of the reverse. Thank you, Jeff, for your steady support over the years -- when rates go down, I'll be back as a repeat customer once again. read more

We have worked with Jeff Joiner at Crestline Funding for 3 refi's over the course of several years and each time has been a great experience. Jeff answers every question we have in timely manner and communicates every step of the way. He's gone above and beyond to make sure we get a great deal and I can't recommend him enough. read more

I highly recommend Jeff Joiner at Crestline. He was super helpful and explained everything along the way. He always kept me in the loop and informed me of any update or changes. I had lots of questions and he was able to answer them all and was extremely responsive. He went above and beyond to try to get me the best rate possible. He was so great after my first home, I had to come back again when we moved. read more

Sam Chiu has helped me refinance my home mortgage twice now and has my vote for his customer service. He has been very responsive to any questions and, or concerns and has completed my loans in a timely fashion. read more

What an amazing experience!! A huge Thank You to Jeff Joiner!! He made the refinance process so easy for us. He is so knowledgeable, experienced, efficient, and has great expertise in this industry. He always kept me updated on how the loan process was going every couple days. Look forward to working with him again in the future. Thank you for all your hard work on getting us a great loan. Karen and Kevin Klein read more

I wanted t give an update since my review of Jeff Joiner at Crestline Funding, nearly 7 years later from my first review Since then I have done a REFI with Jeff in 2015, and I just completed another REFI in March 2020. 3 loans with the same person says something that I hope you will draw upon. My latest REFI closed so smoothly. It closed over a course of 4 short weeks and only required simple emails and some SCAN and web uploads of information, and I think just 3 phone calls. This was so painless for me. What adds to why I'm writing this is Jeff is what made it so smooth. He is EXTREMELY responsive with any/all questions I had. I had a dumb question while signing with the Notary, at 8pm on a Friday night - my call was picked up and I received Jeff's usual helpful attitude. Jeff is transparent, honest and diligent in getting my loan(s) closed. 3 loans in 7 years. I doubt this will be my last positive post about Jeff. :) Do yourself a favor and call him. read more

Just closed on my re-fi with the help of Greg Norquist. Greg got me a great rate and did a great job getting it done. Greg was very helpful at all times, very responsive and answered all my questions promptly. I can't say enough about Greg and Crestline and would strongly recommend both! read more

I had a great experience with this company, especially a big thank you to Jeff Joiner. He went out of his way to accommodate me, by coming to my office to pick up documents that I wasn't computer literate enough to send online. He kept me apprised of every step of my refinance...we ran into a snag, he handled it like a professional and went above and beyond....and saved me a lot of money in the long run! I would definitely recommend Jeff Joiner to anyone looking to refinance. Thanks again, Jeff! read more

We have used Crestline funding in the past and again this year. Sam Chue was super helpful always straight to the point! We switched from a 30 year to a 15 year with an amazing rate. We closed within three weeks. I must say that will recommend his service to friends and family!! Thank you Sam!!! read more

I've recently gone through two refinances with them and both were outstanding. I was referred to Sam Chiu by a coworker and he was great to work with. He'll answer any questions you have in a timely manner. I shopped around for quotes with others, including my original lender, but Crestline rates were more than competitive. You'll be provided multiple options on the same type of loan (e.g. With or without closing costs) Lending is strict these days as expected, but if your finances and credit are in order, then the process with Crestline is as smooth as it gets. read more

Sam Chiu was patient, understanding, and even thought it took several years to make things happen, it eventually came through. There are a lot of fast talkers and three-card-monte dealers in the mortgage business. Sam always made things clear and was very responsive to any questions. We were not the easiest refinance to deal with, but he made the process smooth. I highly recommend him and Crestline. read more

David Paulsen from Crestline Funding is a knowledgeable Loan Consultant and provided me with excellent service. The rate was competitive and he went the extra mile to ensure the loan process went smoothly. I definitely recommend David and Crestline Funding to service your financial needs. I was locked into a predatory loan with a balloon payment and David helped me to save my home and my credit. David Paulsen and Crestline Funding provided me with the correct loan to fit my needs. read more

We have obtained many mortgages over the past 40 years and I must say that Jeff Joiner of Crestline Funding is by far the best loan agent we have ever worked with. He is caring and professional and works extremely hard to secure the very best deal available. He is well connected so he knows where to turn to get you what you want in a mortgage refinance or home purchase. We restore historic homes and it takes a special person to understand the unique situations that we run into such as a landmark status which complicates appraisals and insurance situations. Jeff goes to battle to get it done. Scott T. read more

The worst experience I've had in any large financial transaction. My home refi process literally took 5 and a half months to complete! The agent was good at getting back to me when I called, but the process dragged on and on and on. It was the real estate equivalent to the movie Groundhog Day but on steroids. If I could go back in time I would definitely have chosen another company. read more

A BIG Thank you to Jeff Joiner at crestline funding! Jeff is very attentive and kept me in the loop the whole process. I'm a first time home buyer and I could have not done this if it wasn't for Jeff and his crew! I would HIGHLY RECOMMEND using Jeff for any type of funding. Your The BEST! read more

I never thought in a million years I'd bother writing a review for a mortgage refi. But Cynthia at Crestline did such an amazing job handling my refi that I had no choice but to write a review full of praises. I appreciate professionalism and efficiency, and she excels in both. If you want your loan completed with minimal hassle, then she is the one to call. If you like to take the traditional route of getting a loan (shopping around yourself for low APRs, proceeding with unanswered questions and confusion) then by all means go elsewhere. Easy 5 Stars. read more

I have heard their ads on the radio so many times, and they sound so sincere I told my husband to contact them. We did not have a good experience at all with them and really don't see how they claim to be "treating their clients like family". Very disappointed. read more

I first heard about Crestline Funding through their radio commercials (KFI AM-640) and so when it came time to refinance I figured I would give them a call. My wife and I are both independent contractors, so applying for loans is often complicated. I spoke with Sam Chiu, who understood our situation, looked at our numbers, and then returned with loan options. We got the loan we wanted and felt comfortable with the terms. Additionally, Sam did what he promised. He called and/or emailed when he said he would and basically ran with it from start to finish. In the past, we would have to check with the loan officer for a status or be bombarded with requests for back-up documentation. Crestline was streamline, and Sam was the Man! read more

I was dealing with Eric Young, sent him tax returns and other documents requested before even starting a process, since my situation is somewhat complicated. He said it would be tough for me to get a loan at this time and he didn't think I would want to thru all the paperwork required. (HUH?) isn't he the expert? with 17 yrs experience. Also, their radio ad is a bait and switch they do charge fees, even thou they advertise "no point or fees" Go elsewhere. read more

Jeff Giger at Crestline funding provided superior service. My purchase was a complicated one that took time due to the fact it was a Short Sale of a home. Jeff was instrumental in making the process easy. There were so many requests made of me by the selling bank and I could not have gotten through it without Jeff's expert knowledge and persistence! In addition, he worked hard to get me the very best rate, one my own bank could not offer. I am thankful for Jeff and Crestline Funding. I have purchased homes before and the service that he provided is unsurpassed. I have since recommended his services to friends and family. I will use Crestline and Jeff Giger for all future mortgage needs! read more

Radio add is not what they claim to do. Called to refi sent all paper work then asked for $10,000.00 to lower my payment $45.00 And yes this is true and a rate of almost 5% I don't think so. Went to Platinum Home Mortgage and with no points and no fees got a tech and lowered my payment with a 4.5% interest and the kicker is they sent me a nice check for money I had in my impound. read more

I heard the commercials on KFI radio and decided to give them a call. Todd Krekos made my refinance the least painful experience I have ever had with a mortgage broker, in fact it was a very pleasant and easy experience. I can't say enough good things about Crestline Funding! read more

I've used Crestline funding for a home refinance 2015 and a investment property purchase in 2016. I worked with Tim Carrillo in the Past. Service was good both times. because I'm a loyal customer I wanted to work with them a second investment property but They totally dropped the ball this time. I filled out the online request twice and called several times during the last couple of weeks. Not a single call back. I did get an email saying the would about a week ago. They lost a long term client. read more

I can not say enough about the persistence and professionalism of Sam Chiu. We were very lucky to have him as our loan officer. Our loan was not easy and Sam stuck with us till the very end. We are happy with our refi, Crestline Funding and Sam Chiu. Thanks again! read more

Absolute rude crooks. Especially Scott English. Made a verbal contract with me then nulls it by slipping a written on by me I wasnt aware of. They just want your money. Have no customer service skills and he is just a down right snake. read more

Refinancing has been unexpectedly long. Everything faxed or emailed within a day or the day requested but it's taking a very long time. They need to keep customers informed of what is going on. Update**7 weeks for a refinance. Didn't lock a rate until the 4th week, which could have hurt us in the long run. I kept having to check in to see what we were waiting for or what step of the process we were at. Debt wasn't an issue and neither was credit. read more

Recently worked on 2 deals with Sam and he helped me fly through the process again. Always professional, knowledgeable and patient. You can consider Sam as a professional race car driver and Crestline the race car. The car doesn't go anywhere and win without the driver and Sam is the best. I'm hoping to purchase other investment properties and I definitely will be looking for Sam when I'm ready. The deal Crestline was offering was competitive but people like Sam help you make the decision on which company to actually do business with. read more

I did business with Gene Davis and ended up becoming homeless and had to spend thousands of extra money, not to mention extra time and so much stress. My escrow was originally supposed to be 45 days. I checked in with him frequently to make sure everything is going smoothly. I called him every day of the week we were suppose to close and he told me we're on time for closing. So by then, I already put 30 day notice to my apartment, getting ready to move to my new home. On the day we were supposed to close, he said appraisal review came back disapproving the original appraisal so the escrow closing will delay. He didn't even tell me appraisal review is going on. And the worst part is, from there, every week, he would say, he has no control over it but we should be closing soon. When I asked if it could take more than 2 weeks, he said there is no way. But it went on for another month and half and we were still told that we should be closing soon because we are just waiting for docs. He would say managers are getting involved but no manager ever e-mailed or called me to say anything so it's really hard to believe they were. We got kicked out of our apartment since we already put in 30 day notice 2 months before and they put the place for sale. I had to put everything in storage, put all my pets in pet hotel. And I had to find a place to live for my husband and I. So I asked Gene if I could at least get some kind of credit towards my closing cost for all this trouble and extra money I had to spend when I did nothing wrong. And he came back saying, "It's costing us money too, it's costing everyone money and time." Why would it cost him anything when he says they are just waiting for docs. And is that any of my problem as a customer? That's when I lost my patience and changed my lender, had to start everything all over again but it seemed like there was something else going on with this company. 2 weeks later, I received a call from my realtor that Gene has docs ready now. So if I stayed with this lender, it took them 3 months and 2 weeks just to get the docs and who knows how long it'd taken after signing the docs. Gene try to sound professional, and try to justify everything by saying he's been doing this for 13 years and try to promise and assure everything is going well, in fact, everything wasn't. I saw even more difference in service when I changed the lender. My new lender finished appraisal within a week when Gene took a month to do it. And my new lender can actually tell me what's going on, include me in all e-mails when Gene used to just say, "it's out of my control". I would go with another lender. I would NEVER recommend him or his company. read more

Stephen Moye, the Senior Loan Officer for Crestline Funding just took care of our re-finance for the third consecutive time. He offered the best rates, locked us in and sealed the deal. We never had to leave the comfort of our house. He conducted business from a secure on line connection & if we had concerns he was always available to speak to us over the phone. I liked to time his email replies and he always responded within 5 minutes (and it really didn't matter what day of the week or the time). I can't speak for anyone else @ Crestline but if you want Honest and quick Professional service, Stephen is your Guy! read more

This is a switch and bait company. They do not tell you up front that there are closing costs to be paid unless you apply for a loan of $600K or over. The sales rep I spoke with was rude and did not want to answer basic questions unless I gave personal information first. read more

We recently worked with Jeff Joiner on a refi and I must say it was an absolute pleasure working with Jeff. If not for Jeff Im convinced we would have never completed this process, as there were more than a few set backs, non of which were Jeff's fault. However, we always felt we had an advocate with Jeff; he kept us informed and was always available. Jeff really won our trust and we highly recommend him. read more

Jeff Joiner was great. He explained how the process would go, kept me up to date, and answered all of my questions. I love that I was able to talk to him all the way from start to finish. I definitely recommend Jeff and Crestline Funding. Their rates and service are great. read more

Best customer service! I refinanced my home and Rob Stewart was my agent. I've never had better customer service. I am a bit chicken when it comes to executing big financial moves and Rob kept my nerves calm through the entire process. Everything was done through FAX and email--even the final loan documents were signed at my office (talk about convenient) when the notary came and took me through the process. I had an advocate in Rob Stewart at Crestline Funding. He knows his stuff, he worked all the math and gave me many options when it came to choices for refinancing options. Super efficient!!! read more

Jeff Joiner was fantastic. He was knowledgeable and communicated with me every step of the way on refinancing my home. My refi ended up being more complicated because I am a nurse and have had multiple jobs so that made it confusing for the underwriter. Jeff kept me calm and updated. If you are looking for an outstanding company with integrity, chose Crestline and make sure to ask for Jeff Joiner. read more

Looking for an incredible lender with the patience of Job?? Call Jeff Joiner at Crestline funding. Jeff & I started the loan process when he agreed to match another lenders quoted rate, earning my business right there. But not only did he get me a good rate, I ended up entering into several different contracts for houses, each time canceling out for one reason or other. Jeff had to create, and then recreate, docs for me multiple times. He also had to endure my endless questions, and having to explain something to me on more than one occasion because I had forgotten. He was great about keeping me informed of what was happening with the loan, and what the next steps would be. I give Jeff 5 stars for his phenomenal customer service. read more

I worked with Curtis Lee refinancing my home,I thought I was in an impossible situation but through his hard work I am saving $500 a mo. He is knowledgeable , understanding and will not quit until u get what u want. Amazing service for a very tough refi! Thanks! read more

William Yu of Crestline Funding did an outstanding job with helping us get our cash-out refi! He made the process as painless as possible and kept us informed every step of the way as to the progress. William would respond quickly to all of my texts and emails - even on the weekend! I would definitely recommend William for anyone who is considering refinancing. Call Crestline Funding and ask for William Yu! read more

I have previously been though 2 other refinances. One was costly, the other took over 9 months and was even more costly than the first. When rates dropped to an all time low, it was time to do it again. I was very hesitant, and knew which 2 companies not to use. After hearing an ad, I called Crestline Funding. My agent was Jeff Joyner. He laid everything out for me. It was much cheaper than the others, so I was waiting for the big "surprise". The big "surprise" is that everything was exactly as he said it would be. He was thorough, friendly, understanding and very easy to deal with. He made me feel as if I mattered. This process was the quickest that I have ever experienced. My refinance took about 3 weeks! He was just amazing. I would definitely say call Crestline and ask for Jeff Joyner if you want to deal with a true caring professional! read more