I cannot say enough great things about David Diaz and his team! David helped us secure a loan back in 2020, and not only did he get us an incredible interest rate, but the level of service we received throughout the entire process was outstanding. From beginning to end, communication was consistent, clear, and reassuring. David and his team were always available to answer questions, provide updates, and make sure we understood exactly where things stood. What impressed us most was their determination--they truly stopped at nothing to get us where we needed to be and made us feel like a priority every step of the way. Years later, I still remember what a positive experience it was working with David. We are incredibly grateful for everything he and his team did for us and would highly recommend David Diaz to anyone looking for a knowledgeable, responsive, and dedicated broker. Thank you, David, for going above and beyond for us! read more

Working with David was such a great experience! Going into the home buying process, I was extremely nervous and did not think buying a home in California was even possible. My husband is a veteran and David helped guide us through obtaining a VA loan for our home. Throughout the entire process, David was incredibly hardworking and attentive. He was very responsive to any questions we had and stayed on top of everything, which made what I thought would be a stressful process, much more manageable. Anytime we had questions he took the time to answer them thoroughly and made sure we understood every step. We really appreciate his professionalism, support and dedication during such an important milestone in our lives. I would highly recommend David Diaz to anyone looking to purchase a home, especially fellow veterans and their families. read more

David was a delightful in the process of getting my home. He's a very well spoken person who's been nothing but helpful with making the process of buying a home easier. read more

Against my better judgement, we used the internet to research companies for a reverse mortgage for our dear friend who was in need of financial assistance to get in-home care. I always prefer word of mouth and personal recommendations for companies when it comes to big financial decisions such as these, but we were in a bit of a bind and running out of options. It didn't make it any easier that reverse mortgages have a bad rap and can be overwhelming and tricky. We needed to find somebody that was trustworthy, knowledgeable and most of all, kind-hearted. We were so lucky to find those qualities in David Diaz at Equity Smart Home Loans. Within a week he visited us and explained the entire daunting process from start to finish. I quickly learned that for most people, committing to a reverse mortgage is the biggest decision in and of itself. Through all of our hemming and hawing, David was forever patient and helpful, explaining all of our options and checking in with us weekly. He was great at returning phone calls and texts and answering all of our questions. We needed the HECM ASAP and David was a champ in putting it through and getting it done quickly, efficiently, and with the least amount of pain. One word of your advice when entering any type of financial transaction such as a HECM: Do your homework and ask lots of questions. David knows his stuff but he can only do so much for you. You must decide what you need and if it is right for you. Help yourself so that David can help you! read more

Five stars all the way for David and his team. Got me an incredible rate for my refinance and loved the constant communication and updates throughout the loan process. Would recommend 100%!! read more

David Diaz is the best!!!! I wish I could give more stars! I found him through yelp when I started looking to refinance our home that we currently rent out. First, he told me exactly what to do, where to move money around, which debts to pay down, etc. etc. to improve our credit score to get us the best loan rate possible. My husband works in the film business, so for anyone who doesn't know, that means lots and lots of different jobs which doesn't look so great in the eyes of the bank. David worked so hard to get everything finished before the show my husband was working on ended but it just wasn't possible. When my husband started working again, David went back to it and we were financed this February! Our new interest rate is more than 2.5% lower!!! Another thing, before we got married my husband tried to refinance through Chase, the big nasty bank. $500 dollars later, he was rejected from Chase and gave up on the refi. Once we married I took control of the finances, as to be expected. I found David and got the ball rolling. David did everything without being paid a single penny until everything was finalized. He did so much for us without a real guarantee of getting paid for doing all of this work, which kept him motivated and us happy! He even recommended some books for me when I told him I was interested in learning more about finance and money matters :) I can't say thank you enough. I am so incredibly satisfied with my experience with David and the rest of the staff at EquitySmart for that matter. I highly recommend for refi, new purchases, and notary services! read more

Wow David and crew were remarkable Refinancing is hell but David made it a great experience. Professional and educational. Explained everything in the process with great customer service. All calls returned with backup . Refinancing made easy with David Diaz read more

I want to thank David for helping me with my refinance and saving me A TON OF MONEY. I was in the process of applying to purchase a home with another lender, but then remembered David was a mortgage broker. I met David in my travels and he had given me great advice and guidance on home buying before. I am so glad that I contacted David. He was courteous enough to look over the paperwork I was given by the other lender and review it for me. David was blunt and told me straight out "the other lender is ripping you off" and he could do a lot better. At first, I didn't believe it because the other loaner broker seemed so nice and I thought I was getting a great deal, I was wrong. David got to work and man did he save me. David helped me get a whole 1%, yes ONE PERCENT lower interest rate from 4.375% to a 3.375% saving me $379 a month. That's $136,000 he saved me over the life of the loan plus the money I instantly saved by switching brokers. I cannot thank David enough and I have recommended David to everyone I know who is thinking about purchasing a home. read more

David was great with my refi earlier this year. Found a great rate and lowered my payments. Fast and easy too. thanks! - Joann read more

This group knows what they are doing. This was painless. Ready set go. Good customer service. How about getting updates once a week. Loved the personnel and that includes the boss. read more

David helped me with a VA loan. I was nervous about using that kind of loan because I had heard that homeowners usually don't want to deal with it for some reason. From the beginning, David told me not to worry. When we found the house we wanted, the seller told us they didn't want to sell to someone using a Veteran's loan. It was disappointing for me because I saw how much my wife wanted that house. We were both pretty upset, and were hanging our heads low that day. I told David about it, and again, he told me not to worry - and to keep my phone on. Later that day, Steve called to tell us they had accepted our offer. Obviously, we were jumping up and down in excitement. The rest of the closing went by smoothly, and we're moving in this week! In the U.S. Navy, they teach us to maintain integrity through all that we do. They teach us to be a person of our word, and to deliver on our responsibilities. The very first time I spoke to David, he mentioned that he admired my military service, and that he felt indebted for my family's sacrifice. He assured me that we would get a great home, a great loan, and enjoy a stress-free home buying experience. David delivered on his word, and I greatly respect him for that. I'd like to humbly suggest that you consider using David for any of your home loan needs. These are important loans that will have an effect on your family's future, so it's important to rely on people of integrity. I truly feel lucky to have had a chance to work with David and his team, and I'm sure you will too! --Aaron read more

Let me start by saying if I could give 10 STARS I would. I've bought and sold many houses in my life. I've experienced a lot of brokers and real estate agents. David and his crew were professional, kept you informed during the process, and delivered the best results I've ever had. I never give reviews but the service I received warranted the accolades. I would refer him at the highest recommendation. You won't loose with this team. Not only were they informative they got me lowest interest rate I've seen. And another thing...I was having problems with an agent I had used in the past. David referred me to Mic who was equally as amazing as him. His network is as astonishing as he is. Simply the BEST! read more

David Diaz was terrific with my home refinance and shopped around for the best interest rate. He's on top of his game and anticipated exactly what the underwriters would ask for. The amount of paperwork has increased since I first bought my home but David makes is easy and has professional relationships with the funding and escrow companies to keep my file moving, and for that, I highly recommend David for your home loan. read more

When looking into a reverse mortgage my grandson called David Diaz. David set up an appointment with us for the following day. David explained everything that day and was very professional. He communicated with us every step of the way from beginning to end. He was very patient and explained the process of the loan and answered every question we had. He worked very hard to get us what we needed and made it very easy for us. I can in all honesty recommend David Diaz to any one looking to getting a reverse mortgage. David was honest. Patient, hard working, and best of all got us what we wanted. David Diaz is awesome. read more

David is great. He is a wealth of knowledge, and current with all the new trends in his industry. I have been working with him for nearly 9 years. He has done several loans for me. I also used him to finance my home when I first purchased it and since then he has helped me refinance. He also assisted me in getting into investing. With his help I was able to use the equity in my house to buy a duplex.which was a scary thought as a single mom raising a daughter. He walked me through every step of the process.. David bases his business on referrals so his customer service is excellent. I HIGHLY RECOMMEND HIM. read more

Steve Kim handled my refinance. He is the best. I have refinanced before, but never had to submit as much documentation. Steve kept me informed almost daily with phone calls or emails of how things were progressing. The bank kept asking for more information. Sometimes I had no idea what they wanted. Steve's calm demeanor kept me from tearing my hair out. I am retired and have several income sources. Having to document each source was the biggest sticking point. He was able to extend my lock, and we closed the day before it was to expire. Lucky for me because rates had started to climb. He also got the bank to waive certain requests. Luckily, I live very close to their office. So I was able to provide whatever was asked for in a timely manner. I can't express how grateful I am to Steve for all his help. What a difference from trying to go through any of the big banks. By the way, the office can be a little hard to find. It's next to the Bodine Building on Eagle Rock Blvd. You can't go wrong if Steve Kim handles your loan. read more

David is an absolute professional. His knowledge and expertise are second to none. He always tries to get the best loan for his clients. By far he is one of the best Loan Officers that I have ever worked with. I highly recommend David for all of your lending needs. read more

David is very professional and very knowledgeable about many different types of loans, he always wants to get his clients the best deal possible and goes out of his way to make sure clients are taken care of. I highly recommend using his services. read more

David worked the refi on our house and really moved mountains to help us after Chase told us there was nothing else they could do. He is the epitome of professionalism. I highly recommend his services. read more

Legit honest person to work with , purchased my first home after using David loan services , everything went smoothly (it's overwhelming). Would definitely recommend work with him . read more

I CANNOT say enough good things about these guys! If I could give them more than 5 stars I would. I have NEVER had such a pleasant experience with ANY loan! We had (after several months of trying) given up on an attempt to refinance with another company, because it was so difficult and they kept running into problems. I assumed it was because my husband works in the film industry, and our income varies year to year. On a whim, I decided to give it another shot before interest rates started to rise, although I was discouraged and honestly didn't expect it to work out. I found EquitySmart on Yelp. From the moment I called and spoke with David, it was a pleasure. I told him exactly what I wanted and he did not try to sell me on any other type of loan. I was then contacted by Steve, who was incredibly friendly, helpful and professional. Literally, every time Steve called me, he was calling with good news! He got me an even lower rate than the rate he was hoping for. He made everything incredibly easy, NEVER gave me the runaround and never made any false promises. He kept me updated every step of the way. I believe I first contacted them on July 30th and our loan funded on September 2nd!!! They got us an incredible loan with a great interest rate, and we paid off our credit cards! The appraiser that came out was friendly and professional and we got a higher than expected appraisal and paid a lower than expected appraisal fee! The notary, Kelly from Central Escrow, came to our home and was also very professional and a pleasure to work with. These guys are really great. AND, we did all of this via fax and email! I never even met either of them in person! (although I'm sure it would have been a pleasure!) Highly, highly recommended!!! read more

This review is a bit late but after going through a few residential deals after David Diaz I can truly say that nobody is on top of things as much as David. The guy is a professional who will not rest until the deal is closed. It is inspiring to see such dedication in the real estate business. Use David for all your lending needs and then sit back and watch him work his magic. read more

Omg! Steve and David were so great! Steve helped me tremendously in every step of the way through my refinancing! EquitySmart team is truly a life saver! Steve made it happened for me. Thank you so much! I highly recommend Steve! I am now saving so much money. ---Lynette read more

Working with David was a great experience. David helped my family refinance our home. This was a new process for me, and David provided great customer service by explaining each step of the way. Throughout the process David and his team were communicative, honest, and very professional. The entire process was quick and went very smoothly. My family and I are happy with our new loan and look forward to working with David again in the future. I highly recommend David's services!!! read more

Steve Kim was great. He was able to get me a loan with a good refinance rate, where others couldn't because of my high debt to income ratio. (I'm a teacher, so don't make a ton of money, but own a house with a sizable mortgage.) He worked very hard, and was there for me through every step. I highly recommend Equity Smart. read more

My escrow officially closed today, and I have to say, David and Steven were great! I had such a hard time finding a lender who could qualify me but these guys made it happen. I am super grateful. Steve was able to get me $600 credit and got my closing costs super low, couldn't recommend more! Thanks again guys! read more

David Diaz and Steve Kim are amazing! They are professional, they communicate with you every step of the way, they make it stress free to supply documentation, and they are kind and friendly. I've done 2 loans with them. A home purchase and a refi on a rental. They got me the BEST loans and both times they were able to qualify me for rebates so by the time we closed I really paid VERY small loan costs. I would never take my business elsewhere. Why would I when I've found the best! Feel confidence in choosing them. I highly recommend them! read more

SmartEquity was absolutely terrific! They took my call the day before Thanks Giving and handled my matter that day when no one else would. Then they helped me again. David Diaz was friendly, efficient and took extra special care of me, making sure there were no mistakes. He was especially informative and helpful. He'l be my go-to for notary and mortgage brokering services. read more

Frank Pita was incredible. When it comes to fully understanding the home buying business Frank is your man. Frank answered every question I had, kept me fully informed as to where we were in the process, worked through the small pitfalls that we ran into and was able to quickly take action when needed. When my anxiety was getting the best of me Frank was able to bring me back from the edge. Through the whole process I felt that Frank was putting his heart and soul into helping me to purchase my home. I highly recommend that you contact Frank for a new purchase or refinance. read more