1. Fitzpatrick Capital

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    Carlsbad, CA

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    Fitzpatrick Capital

    5.0 (9 reviews)
    Closed • 9:00 am - 7:00 pm

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    Straight Forward Mortgage

    Straight Forward Mortgage

    (12 reviews)

    Rik did an awesome job of helping us refinance our home, getting us a great rate and making the…read moreprocess quick and easy! He was great at communicating the steps along the way and very fast at replying to any questions. I feel like the entire process was so fast and that Rik took care of everything. We just did some paperwork online... and a few weeks later we were all set! I definitely recommend using this company if you are looking for someone who will help you get a great rate, is good at communicating, and makes the home mortgage process less stressful!!

    Well, I'm happy to say that I finally found someone I can trust after purchasing a home and having…read moreit refinanced. After refinancing the first time, I was referred to Rik by family members. I had Rik look over my Closing Disclosure for a refinance that I signed with a notary the day before. Not only did Rik let me know I was seriously being ripped off, he offered to beat the rate and price that nobody else could match and to expedite the process immediately and close my loan within 2 weeks. I happen to be living in Northern California and he was in Southern California which made no difference whatsoever.   After completing my online application, I can tell you that Rik and his team worked around the clock to close my loan in 2 weeks just like he said. The communication I received from Rik and his team was friendly and professional of the highest standards! I never felt like there was any lack of communication. Any little problem that happened like problems with my home or flood insurance, Rik and his team went out of their way to handle them immediately and it was amazing!  All I can say it that you want Rik on you team, and I will be contacting him for future purchases and referring him to everyone I know. I would highly recommend him as being the first person to call for a home mortgage or to refinance. If he wasn't the first you called already, it's never too late or to get a second opinion because I did, and it was the best thing I could have done!

    MortgageOne

    MortgageOne

    (28 reviews)

    I had the pleasure of closing my mortgage refinance recently with Bryce at MortgageOne. A month or…read moreso back, I received a letter in the mail from Mortgage One saying that I could get rid of my rotten PMI that I was way paying monthly to FHA (it was something like $445 per month). I talked to Bryce over the phone and was impressed with his service and explanations so I thought I would take them up on the offer. Less than thirty days later, we were closing on a loan saving me about $550 per month with a lower rate and no PMI! I was very impressed as they came through I what was promised. Several pieces of documentation were required throughout the process but I always felt like Bryce was in control of the situation and had complete confidence in him. Getting a loan can be tough as I know from past experiences, but this was a pleasant surprise. I am already recommending family members and will send more friends their way. Give them a try!

    Warning about Mortgage One…read more I want to share my recent experience so others don't go through the same thing. In July 2025, I started working with Mortgage One through loan officer Mark Butrus. On July 31, I gave my credit card information to his processor to pay for an appraisal. The appraisal was completed, and Mortgage One even told me they would cover the cost of the follow-up visit. A short time later, I decided to switch to Turbo Mortgage because their rates and fees were much better. After that, things took a very troubling turn. On August 18, I received a fraud alert from my credit card company: a $496.55 charge attempt to the City of Warren (Michigan electric company). I live in Georgia and have no ties to Warren, MI. The only people who had my card information were at Mortgage One. When I questioned Mark about this, he denied any involvement, but the timing and location are extremely suspicious. Using a customer's credit card information for unauthorized charges is fraud. I am considering filing complaints with the Better Business Bureau, CFPB, and law enforcement. I'm posting this to warn others: be very careful who you trust with your personal and financial information. My experience with Mortgage One has been extremely disappointing and concerning.

    Fitzpatrick Capital - mortgagelenders - Updated October 2026

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