Amazingly very Professional-Courteous ! Timely and…read moreefficiently process ! Educated the detail oriented procedures !

We recently refinanced with Victoria Financial and would definitely recommend them. My parents have…read morebeen using them for years and we are now going to them too. The process was efficient, timely, and helped us lower our mortgage rate quickly. The team was great to work with and very detail oriented, helping give us ease. We are planning to go back to them the next time we refinance and looking forward to it. Thanks!

Working with Vivian through the mortgage application process was exceptionally easy and stress-free…read morefor me. Despite this being my first home purchase, Vivian was able to give me a pre-approved loan on the same day I provided her with all the relevant financial documents. What makes Vivian an extremely efficient mortgage lender for a novice home buyer like myself is her prompt response and rich knowledge of the entire process. She executed all of the backend logistics professionally and flawlessly. It has been a great pleasure working with you, Vivian, thank you.

Vivian is amazing! If it's not for her, I am sure our deal…read morewon't closed. I just had a very bad purchase experience due to the seller's side, dealing with incompetent Escrow office appointed by the seller. They literary screwed up my loan by ignoring closing date, let alone didn't care about any schedule along the entire process. If not because Vivian went above and beyond to get it done for me, the transaction won't be able to close. Vivian is not an ordinary loan officer, she is knowledge and experienced. Also, she does not treat you as a number; she treats you as a friend and she really cares. She is honest and trust worthy, you are in good hands with her. Thank YOU Vivian!

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.

Julie and her team kick a$$! Mike helped us with a HELOC and I'm glad to say from the moment we…read moreconnected it was a wrap. Not only was the process made easy to understand, it was completed from the comfort of our home and our schedule.The team is flexible, quick, knowledgeable and most importantly explained it in a way that made sense to us. Our HELOC closed in a little over a week. Mike was in communication with us which felt like 24/7. If anyone is looking for a reputable lending team look no further.

I was referred to Michael from a work friend at city of hope . A previous lender kept in contact…read morewith me past three years with no commitments on my part and full transparency I'm looking for the best fit for me and how I go about decisions . From initial introduction it was a pleasant professional educational experience with great communication, support and unbeatable value for the quality ! His rates with service plus unbeatable fee I was impressed and that is not often . I had a third and fourth lender all interested in doing business . I'm so thankful for my work friend for her referral . Michael also connected me with home insurance that I compared with wawanesa, AAA, State Farm , as advised and I saved over 1k with some agencies quotes . From finding my home to getting my home it was all within one month and I'm a first time home buyer . Cardinal escrow I do not recommend if you have a choice ...honest review . I highly recommend Michael's services , he can communicate effectively, gives you support on decisions you make , accessible, email savvy , and can answer or assist you with any inquiries. Him and his team are worth writing a review .

Best agent in services that I have work with. Michael is absolutely amazing. Michael is detail…read moreoriented and always make the best recommendations.

She is amazing! She has done several loans for me in a quick manner. The most competent and always…read moreavailable loan officer you will meet!

I met her through a reference. She did my HELOC. She took almost 2 months or more for a simple…read moreHELOC and during that process, she managed screwed up HELOC on my another property. It was a huge financial hit for me. I have no problem with her dedication, availability. However, if you want someone competent and someone who can get the job done, she is not the person.

Katia went above and beyond to get my refinance completed in less than 4 weeks. Despite several…read moreobstacles throughout the process, she stayed proactive, responsive, and committed every step of the way. Her professionalism, dedication, and persistence made all the difference. I highly recommend Katia to anyone looking for a loan officer who truly works hard for her clients!

My husband and I worked with Katia, she was easy to work with and was on top of everything. She did…read moreeverything for us, she was our realtor and helped us with the financing. We got a 30 day escrow thanks to her hard work. She is the best of the best, we highly recommend her.

I was so happy to have discovered and met Kent as a professional loan agent. Unlike numerous other…read moreloan agents who were rarely available and did not give me any of their time to discuss loan options, Kent took the time to explain the details and options available to me to finance a home I really hoped to own and urgently needed funding to close the deal. Kent helped me overcome some hurdles and complications with loan funding and diligently worked with me so I was able to obtain a loan promptly and complete my financing with the best interest rate possible. I greatly appreciate Kent's professional help and will seek him out for any of my future lending needs!

Kent has been with me every step of the way. Any questions I would ask Kent and he will try to his…read moreto answer them and as quickly as possible. When I received new documents or have any inquiries I did not hesitate to get Kent's opinion. Thank you Kent for making my process as easy as possible!

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was…read morewith Tiffany who was incredibly informative, authentic, and responsive. After talking with Seth, there was zero doubt in my mind this is the team I want to be a part of. The group has been outstanding from beginning to end with getting the second home loan. It feels incredibly personal and they are most definitely there to hold your hands and encourage you. I had a bit of a panic attack one day during the process and reached out to both Seth and Tiffany. They were able to bring me back down to Earth, reassure me, and bring me back to feeling excited. This was exactly what I needed. Short term rentals are still very new to me but if you need a team to get you through this, this group is the one. Cannot wait to continue to do work with them.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

If you're looking for a trusted real estate agent in the San Gabriel Valley, I highly recommend…read moreJulie Lai. Whether you're buying or selling a home, Julie delivers exceptional results. From the very beginning, Julie made the home search process easy, stress-free, and enjoyable. She took the time to understand exactly what we were looking for and guided us through every step with professionalism, patience, and expertise. What impressed us most was Julie's exceptional negotiation skills. In a competitive market, she was able to secure favorable terms and negotiate the best possible deal for us. Her knowledge of the local San Gabriel Valley real estate market gave us confidence that we were making the right decisions throughout the process. Julie is reliable, responsive, and truly cares about her clients' success. She was always available to answer questions, provide honest advice, and keep us informed every step of the way. If you need a top listing and buyer's agent in the San Gabriel Valley who will work hard for your best interests, Julie Lai is the one to call.

Julie Lai was an exceptional buyer's agent throughout our entire home-buying journey. We had been…read moresearching for a long time and honestly started to feel like finding the right home so close to our family might not even be possible. But Julie made it happen--she found us the perfect home just a few doors down from our parents, and now we are neighbors, which means so much to our family. What truly impressed us was Julie's negotiation skills. In a highly competitive multiple-offer situation, she successfully negotiated the best price and terms for us, and amazingly, our offer was chosen over several cash offers. Her strategy, market knowledge, and ability to present a strong offer made all the difference. Julie was extremely communicative throughout the entire process, always keeping us informed and making sure every party involved stayed on track. She was responsive, professional, and always available to answer our questions, which gave us a lot of confidence during such an important purchase. Most importantly, Julie made sure our escrow was smooth, stress-free, and successful from beginning to end. We are incredibly grateful for her dedication, persistence, and expertise. We highly recommend Julie Lai to anyone looking for a knowledgeable, trustworthy, and hardworking real estate agent who truly goes above and beyond.