We were looking to refinance our home. We started the process with another lender but something didn't feel right. Our son had previously referred us to Joseph. We gave Joseph a call and told him how we weren't feeling too confident about our current situation. Joseph was straight up honest with us. He told us he'll review our documents and if everything seemed on the up and up, he'll tell us. We LOVED that! Joseph worked tirelessly to get our refinance completed and funded. We were impressed with how he took care of us! Emails, text messages, phone calls (even on weekends!) to keep us abreast of our refinance. If we refinance and/or sell our home in the future, we will definitely give Joseph a call. Thank you Joseph! read more

Joseph did an excellent job in assisting with my VA purchase In San Diego while still working and residing in Hawaii. Other lenders denied us what Joseph made Possible. On top Of this long ordeal, he was able to lock us in on a great interest rate and made our home Purchase a working miracle! I strongly recommend anyone to work with Joseph because he is willing to go beyond the limits to help you out in any situation and to give you your dream home. You will NOT regret working with him and his team! read more

First, let me say that I've held all of my mortgages with B of A in the past. Though, it is convenient to have all my loans in one place, I was so fed up with the lack of service I received that I decided to look elsewhere. Boy, was I happy I did. Michael and his team were always available...even through a time where his wife was delivering a newborn! Can't tell you how hard it can be just to get a B of A officer on the phone sometimes! I also checked on rates with other lenders when I was first "shopping", and he was able to beat the competition. In addition, he is very personable, and provides the personal touch that is so lacking in many financial transactions. It was great to work with a "real person"! Michael was true to his word throughout our transaction, and he is quick with advice while holding to deadlines. He is a true pro, and takes pride in offering "service" to his clientele. He understands how to EARN your business. I would definitely use him again in a heartbeat! read more

Michael Hendidzadeh is a consummate professional! On top of that he's very personable and you'll grow to like him very much just as I have over time I've gotten to know him better. From the time I met him in early 2019, he has been nothing but a pleasure to work with throughout the financing of a couple projects. Even in the rare situation where something unforeseen might come about, Michael intervenes and orchestrates his dutiful team to perform and resolve any issues. He even personally attend the notary appointment to oversee the final step of the process. I have only good things to say about Michael and his company and I would recommend anyone to work with them for any financing needs read more

Once again Joseph and his team come through. Five years ago it was my first home purchase, this year it was my first refi with cash out. I took care of what was asked of me and within a week and a half to two weeks the process was 90% done. Within another week and a half I had my bread. Thank you very much for a job well done. read more

I'm not sure who these other reviewers are talking about, but I dealt with Garret. Garret was completely professional and amazingly available. He would get back to me within minutes after I left a message, but most of the time , he answered, even after business hours. I'm sitting in my new home in Calabasas, with me feet up on the ottoman right now thanks to this guy. I would recommended Garret to anyone. read more

Thank you Garrett Todd for helping me out with my purchase loan!!! I'm happy I found you and am looking forward to an ongoing relationship! Garrett always answers the phone or at least calls back within a few minutes (before and after business hours). Very professional, and goes above and beyond. I couldn't thank you enough for the excellent work, honesty, and guiding me every step of the way. read more

Actively efficient .. That's what makes a lender standout . And so far this kid has shown that . He hustles for the client .

This was the easiest refinancing process I've experienced. It can be a major pain to refinance or get a loan but thanks to Garrett it was painless and easy! I highly recommend his company to anyone. Thank you Garrett! read more

This is a superb customer service! Here is my experience story: When I called First Wholesale Lending in October 2017, Michael made me feel welcomed. After I explained my situation, he told me with confidence that he is there to help with my refinancing needs. It took me a few more weeks to get my act together, prepare paperwork, shop around, learn the terminology, and by that time, my existing loan was expiring with a balloon payment due in February 2018. I requested a one-time, 90-day extension from my lender by paying a hefty fee, which they accepted hesitantly. It took me another month of procrastination to restart the conversation with Michael. At that time, I put him on a tight schedule to apply for a new loan, get the best interest rate and close in 60 days, before the lender demands the payoff. Michael emailed me a few documents and worksheets to fill & sign. Since I am very detail-oriented and technical, I had so many questions. Email communication didn't feel very effective for me. He suggested we speak for 15 minutes to get all questions answered. I printed the documents & emails, and met him at his office. Michael efficiently walked through all of the issues, responded fast and efficiently helped provide a response for every detail. This encounter proved his experience and professionalsm. He made me feel at ease with the entire process. By the time I gathered additional required documents to complete the massive paper trail for the loan application, each and every obstacle was handled by Michael up until the last day, with quick emails and phone calls. We closed escrow and got funded on-time, many upfront fees waived or refunded, and I also got approved to cash out some amount that I asked for, a week before closing! Throughout my refinancing process, Michael always kept his sense of humor and made me feel that my application is the top priority. Although, I knew he has so many other customer files to work on. On the last day for document signing with the notary, my whole family was at his office, and felt comfortable as if we are at a friend's home. Now, I am relieved regarding my financial situation, and extremely satisfied with Michael's work helping me obtain what I needed. read more

First Wholesale and Garrett Todd are great to work with. The first loan Garrett did for me was a refinance that saved me close to $1,000 a month on my then mortgage. He helped me even though I live in Northern California - I was referred to him by a friend of his and the distance proved to not be a problem at all. I moved a few years after that deal (in 2012) and Garrett provided another mortgage for my current home. I got a great rate and the process was easy breezy beautiful... Recently I got engaged and my fiance and I are looking at houses - Garrett will be the first call when we find one! read more

Thank you Joe for your hard work and helping me get an excellent interest rate, ensuring I understood the process and always keeping me on track. I really couldn't have asked for a better lender! Joe was thorough and always followed up to make sure we were working at the proper pace. As a first-time buyer, Joe made sure I felt comfortable during my 30 day escrow by providing me details of all fees and charges; he sat down with me for a couple of hours and walked me through every detail! I am extremely impressed with the level of service received and would recommend Joe and his team to any buyer, especially those looking to purchase their first home. read more

I worked with Michael on getting a loan to an investment property, it was easy and quick. He made it painless. Will definitely work with him again! read more

I worked with Garrett Todd, what a great guy. He alerted us to the fact that we had a HELOC loan that was goint to come due in about 4 months time and would have doubled our mortage. We were unaware of that. He litterally saved our home. He was able to do our refi and our paryments virtually stayed the same, we came out of it with cash to pay our bills. After being stressed about the whole situation Garrett reassured us and came through with flying colors. read more

Garrett is awesome! After a year of going in circles with another lender I thought I would not be able to refi. I called Garrett and within a month my refi was done! I couldn't believe how quick and smooth the process was considering the hell I went through with my prior lender. Give Garrett a call! You will not regret it! read more

Garrett Todd and his team at First Wholesale Lending are efficient, helpful and knowledgeable. I always felt I was being treated professionally and Garret made himself available to me at any time! Garrett and his team worked with us through every step of the process with our loan and they did it in a timely manner. Garrett was a whiz at helping us figure out how to raise our credit scores and which loan would work best for us. After being extremely concerned about our financial situation, Garrett set our mind to rest and came through for our family outstandingly! read more

Being first time home buyers we were a little bit intimidated at first. Michael never left any questions unanswered and always responded promptly. He got us a very good rate and helped us close in 30 days, we are incredibly impressed by his goal oriented action and will recommend him and first wholesale lending to anyone looking for an outstanding lender. Thank you Michael read more

Garrett is a unique loan broker. I have many loan reps that I refer clients depending upon their need. Garrett I usually reserve for that client with "special circumstances" for one reason or another. The unique qualities that Garrett has to get these loans through, is why he is in my database. His strengths are matching the client with the loan and making sure they stick - the process can be torturous - but for the client that otherwise would not be able to purchase a home - can! Garrett Todd is a problem solver, yet not the best communicator in the world, so be aware of this going into the application process. I will say that he can do magic with many of the clients I have referred. And that is what I want - Magic! read more

I've had my refi with Garret Todd more than once and he has always been true to his word. He doesn't promise what he can not deliver. He is always just a dial away even after office hours.He will even fly or drive to where you are just to have the paper works done.I referred him to a friend and he did the same excellent job like he always has. read more

Very satisfied again with another loan on a multifamily property we bought in Brentwood, CA. Michael, Joseph, and their team were great in following up with me and the bank for a smooth and relatively quick transaction(this is our 5th loan from First Wholesale). I do recommend them as great, hardworking, honest and dedicated loan brokers if you buy or refinance. read more

Really nice guy. Garrett helped us get into our new home in Reseda before she had the new baby on a super time crunch. Thank you so much, would recommend his services to anyone. read more

Joseph and his team are as good as it gets when it comes to loans. They are on top of the game and know the ins and outs of how to get you the best rates and the best deals. No only did they help me refinance, but my brother as well. They are quick to get back to you and help explain everything every step of the way. Thanks! read more

As a Realtor I know that there are tons of lenders out there that I can use. 5 years ago I got lucky & was introduced to Garrett & since then I've been sending clients to him. If Garrett promises you something, consider it DONE! It's hard to find a good lender that protects your buyer/seller but Garrett with out a doubt will get the job done. I guarantee you you'll be sending your friends & family to him after he closes your deal. Thank you Garrett & your amazing team for all that you do. read more

Garrett Todd is an impeccable individual who puts people first which is why he's among the best of the best in the industry! He took care of my extremely complicated refi for my deceased mothers' property (extremely complicated process) like he'd done it a thousand times. In the end, he helped my family cut the mortgage in half & got us money to do a lot of much needed upgrades. Garrett literally saved the Farm for myself & for my family & for that I'll be eternally grateful! read more

We were referred to Garrett Todd in November by a close friend for one of our properties, and are now working with him on 2 more. Not only is he extremely trustworthy and attentive, but he will work day and night to fulfill his clients requests. No matter what time or day you call, Garrett never lets his phone go unanswered- even after business hours. I highly recommend Garrett. read more

Garrett Todd has now been my lender for 2 refis and can say he gets the job done better than anyone else I have ever dealt with! He got me spectacular rates in an extremely quick and professional manner. I have recommended him to 3 friends and all have been completely satisfied as well! Keep up the great hard work good sir!! Update: has done 3 refis for us now and the 3rd was just as good as the others!! read more

I had the pleasure of working with Garrett to buy a house for my mom in Orange County. Although it was out of his area Garrett tool our case and helped us out all the way. We were almost done with buying the property when Garrett (not my agent) discovered that the property had lost its Fanny Mae contact and it would be a huge mistake to purchase a property that You can hardly resell. He was always on top of things and also fixed my brother's credit within days. Thank you Garrett with all your help and extreme professionalism. read more

Garrett did a fantastic job getting us in our home in Woodland Hills. I would gladly recommend him to anyone!

So my review is for my experience a few years ago so maybe the people have changed. I contacted Garrett based on the positive reviews and in initial meeting and first month went fine. Then the follow up emails and return phone calls dwindled and pretty soon I felt like I was calling all the time to get a follow up on my refi status. It took 4-5 months before they finally told me that it wouldn't go through and another credit inquiry without my consent. When I finally talked to Joseph, he was rude and not helpful in explaining why it took them so long to inform me and why I never received any responses to my messages and emails. I have since refied with a great rate, did it less than a month, and extremely responsive. read more

I was in a high interest loan for 8 years and my bank and credit union would not refi me. I had never been late on a payment. I went to First Wholesale and after a short time Joe Hendizadeh had me approved. Soon after I had a new loan and that is 2.00% lower than my original loan, saving my family over $900 per month. The charges were very reasonable too. The savings really change our lives as we were so much less stressed. I have since referred my mother to them and would refer others. I will stay away from the big banks from now on! read more

We purchased our home 3 years ago with the help of Garrett. We didn't think we would qualify to purchase a home as our credit was less than stellar. Garrett worked hard to get us back into home ownership. He's easy to work with and works hard to get you the best possible loan. He's working on our refi right now. I'm keeping my fingers crossed that he can pull this one off! I would recommend him to anyone I know. read more

Worked with Garrett Todd x3 loans. Found him to be professional, trustworthy and had great follow-up. Was impressed that any time of day was OK to contact him. At times, he dropped by the house to pick up paperwork. Would not hesitate to recommend him to family or friends. Definitely a great find. read more

My family and I recently moved from Florida and had a difficult time finding a home in our price range that we truly loved. Once we found one we had terrible luck with our lenders, despite having great credit and a sizable down payment. Garrett Todd was nothing short of amazing. He quickly gathered all the paperwork he needed from us, reached out to us as soon as he needed a signature or anything else, and was available any time we called. This is our first home and even though the process was bumpy in the beginning working with Garrett made us positive that we had someone we could count on with any future purchases. Thanks Garrett!!! read more

Garrett is a true professional. I had the opportunity to work with him and one of his clients that he recommended to me who was relocating to AZ. He creates awesome relationships with his clients and I can see that in the way his clients talk about him. He cares for them not only as clients but as a friend. He was always available to talk with and very fast at returning calls or messages. This guy works all day and night for his clients, getting done what needs to be done. As a Realtor, it is very important that I know the lender will get it done. Garrett has my vote of confidence to anyone looking to do business with him. read more

GREAT EXPERIENCE!!! I contacted them for a Cash out Refi and they delivered! I tried going straight through the bank and oh boy was that a mistake. The bank was trying to do my loan for 6 months and they kept asking for more documents. They did my cash out refi in one month. Joe was very honest and knowledgeable about everything. I highly recommend them for all your mortgage needs! They got the BEST rate possible and i know that because i shopped around LOL. read more

I could not recommend this company enough! After dealing with various other lenders who tried to rip me off, Garrett did an incredible job being CLEAR, straight forward, and honest about the entire process. A+ for being incredibly responsive on the phone and answering all the questions I needed answered. A+ for not selling me some BS about my credit scores and how I would need to do this and that to purchase my new home. Garret landed me in my dream home and I cannot recommend this company enough if you are in the Santa Monica area. 6 Stars in my opinion. Thanks again garrett! read more

Micheal helped me get my loan in a very short amount of time with the best rate locked in. I got out of my fha loan and into a conventional loan with his help. ( i had tried to do this with another broker and citibank but i was unsuccessful.) He was there for me everyday to help me with my questions every step of the way meanwhile he was doing all the work. Thank you from the bottom of my heart. i highly recommend first wholesale lending. read more

Garrett has helped us with refinancing and drastically improving our finances. He works quickly and always keeps us updated and informed about every aspect of the refinancing process. He's always made sure to return messages and emails quickly and with information that is direct and informative. I have recommended his services to several colleagues and I've only heard good things about their experiences with Garrett too. read more

FANTASTIC PEOPLE AND FANTASTIC RESULTS!!!! I just closed two loans with these folks in the past 4-months and was absolutely amazed by the results. In today's complex and difficult lending environment, they were able to deliver in a short period of time. The first one was a complicated refinance that two other lenders couldn't handle and FWL closed in under 30-days. The second was a jumbo mortgage and they closed in about 40-days. These results were particularly impressive because both transactions had quite a bit of nuance to them. My representative David worked with me tirelessly to get the job done. I can unequivocally recommend to anyone and look forward to working with them again. A+++ read more

Garrett Todd has refinanced my home twice and he is simply great. Garrett genuinely cares for his clients and is passionate about his life and work - which shows through when you work with him. I have referred him to past coworkers and they have been happy as well, which speaks volumes about the work he performs on your behalf. Highly recommend! read more