1. Francisco Salazar - GEM Mortgage

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Oxnard, CA

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Francisco Salazar - GEM Mortgage

5.0 (4 reviews)
Open • 9:00 am - 5:00 pm

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David Valle - Mortgage Lender - First time buyer event I put on every month

David Valle - Mortgage Lender

(17 reviews)

No Loany, No cry I…read morerecently bought a house and had a decent rate for a loan. As the market got better rates were dropping it thought it best to get a Refi to use it to my advantage. I spoke to several mortgage companies and they egged me on to get one, Dave was the only loan officer that had the integrity to tell me it wasn't wise, it wasn't the time and it would cost me more on the long run. That was the move that sold me on his business cause he put people before this OWN profit. Not only did he teach me what to look for, he took his time to explain all the details that I didn't understand. Time passed, Dave was able to get an even better rate and minimise my costs out of pocket even more. Thanks Dave!

We had an exceptional experience working with David on our home loan. As first-time (and family…read morepurchase) home buyers David was invaluable. From the very beginning, he was extremely informative, patient, and thorough, making sure we understood every step of the process. What really set David apart was how proactive and dedicated he was--he went as far as calling the county assessor and working tirelessly to help us navigate Prop 19, which made a huge difference for our family. His knowledge, communication, and willingness to go the extra mile gave us total confidence throughout what could have been a stressful process. We truly felt supported and well taken care of the entire way through. I would highly recommend David to anyone looking for a trustworthy, hardworking, and outstanding loan officer.

CSMC Mortgage - We love our CSMC family!

CSMC Mortgage

(1 review)

Trusted this company to represent me buying my first home. Was told by Miguel that he would…read more"protect me" and so I trusted him. It was very much a push to close from the beginning which I suspect that is the nature of the beast. However, the rush and his lack of thoroughness cost me $4800.00. He neglected to inform me of the sellers condition and even after I had direct conversations in regards to this $4800.00. At the end of he day I am being threatened by the sellers lawyer and all Miguel can say is sorry but you have to pay. I would never consider using this company again!

From the owner: Customer Service Mortgage Corporation, dba CSMC Mortgage, is an independent, non-bank mortgage…read morelender and broker established to serve the forward and reverse mortgage loan communities with a diversified platform of products and programs. We live and breath our service philosophy while utilizing a combination of online technology and local branch offices to serve consumers and real estate professionals. CSMC Mortgage has put together a team of experienced management, sales and operations staff with one mission in mind - treat each loan like it's our own with service done right. We have built a strong reputation as an outstanding mortgage lender and broker, serving the lending needs of first-time and experienced home buyers throughout our community. We work closely with our local real estate professionals and builders, as well as escrow and title companies, to ensure a smooth transaction. We pride ourselves on giving our customers an exceptional service experience.

Francisco Salazar - GEM Mortgage - mortgagebrokers - Updated October 2026

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