I've worked with JJ and his team for over eight years, and there's a reason I continue to…read moreconfidently refer my clients to them. Real estate transactions are rarely perfectly smooth -- and it's in the complex, time-sensitive moments where true professionals stand out. Time and again, JJ and his team have navigated difficult files, solved problems before they escalated, and delivered results when it mattered most. They communicate clearly, anticipate challenges early, and remain steady under pressure. More than once, they've stepped into situations that required creative structuring, tight timelines, or last-minute adjustments -- and they've simply handled it. My clients consistently feel informed, supported, and protected throughout the process. That level of consistency over eight years is not accidental -- it's a reflection of expertise and integrity. I trust them fully, and in this business, trust is everything.

We had a great experience with Zach, John and everyone we dealt with in The Mazzo Group throughout…read morethe whole process. Timely communication, accurate information and swift execution were the highlights of our transaction.

Our family can't speak highly enough of our experience with Cubie, Jon, and Gigi. Earlier this…read moreyear, when the housing market was particularly tough, they went above and beyond to ensure our home was sold quickly and at a great price. From the very start, the team demonstrated an impressive knowledge of the market and a keen eye for detail. They helped us stage our home and got us a new home. Throughout the process, they were consistently communicative and always available to answer our questions or address any concerns. They negotiated effectively on our behalf and kept us informed at every step. In a market where many homes were sitting unsold for months, the team's dedication and expertise truly made all the difference. Rarely, you might find a realtor who focuses more on high-volume sales rather than personalized service. We would wholeheartedly recommend them to anyone looking to sell or buy a home!!!

I used Mares Mortgage to purchase my home. They made the entire experience so easy. They explained…read moreevery step of the process, helped me find vendors like the home inspector. The whole home purchase and loan approval process with Mares was effortless and gave me peace of mind that I was in good hands. I highly recommend the whole team at Mares. Monica helped with so many questions and Cutberto helped explain many details in finalizing the loan. Thanks again! I will definitely use Mares for my next home loan.

Was referred to Christian at Mares by a friend who had done Work with him in the past. This was one…read moreof the smoothest transactions with the mortgage company I have done. No delays no headache. Christian was quick to explain everything and the process along the way.

I've been a realtor for approximately 30 years. I worked with many lenders over the years. Mares…read moreMortgage is one of the best! Responsive, professional and easy to work with. Immediate response to emails. I highly recommend Christian and Cubie!! Mares Mortgage is awesome!!

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

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.

Nathan is exceptional, very attentive very professional took care of all my needs and even got me a…read morebottle of water. I recommend the Mission Viejo branch to everybody and see Naethan.

Extremely disappointed with the mortgage underwriting team at OCFCU. Despite providing clear…read moredocumentation and citing specific Fannie Mae guidelines (B3-3.7-02) regarding business cash flow, the underwriting team ghosted me for a week, and their manager Monica Partida refused to apply standard industry add-backs, resulting in a wrongful denial. OCFCU went back on their word after I was promised by my loan officer Jennie Jacobson. that OCFCU would apply standard industry add-backs to my income. While she promised to use standard industry add-backs to secure my application (and Hard Credit Pull), they then fundamentally changed the "rules" during underwriting to deny the loan. Indeed, the entire culture at OCFCU is decayed with failed communication at each level. Even after escalating my credit appeal to the executive board, I was ghosted for two weeks with zero accountability or rebuttal. The executive board (Kathy Jumper, Donald Carazo and Jeff Harper) never sent me a single message acknowledging my escalated complaint and appeal. My appeal was affirmed and singed by OCFCU fourteen days after the fact and coincidentally the very same day I told them: "Too late, I will be publishing my bad experience with OCFCU online." Although, instead of simply emailing me an update, they claimed to have snail-mailed me the response to my appeal--nothing was ever received in my mailbox. If you are self-employed or have a complex income, save your credit score and go to a lender that actually understands modern secondary market requirements. UPDATE (May 13, 2026): After escalating this matter to the Executive Board and the NCUA, the Chief Lending Officer Jeff Harper personally intervened to make right on the misrepresentation of underwriting standards. The Credit Union has since facilitated the removal of the hard credit inquiry. While I appreciate the eventual accountability from leadership, I do believe the initial process for self-employed members remains flawed. 3 stars for the resolution, 1 star for the experience.

Nicole is absolutely the best! We have used her to purchase and refinance homes several times. We…read morewould never consider using another broker! Nicole is honest and has never encouraged us to refi just "to make a sale" so to speak. In fact she has actually turned us away when refinancing was not in our best interest. We have referred friends to Nicole and the response is always the same ~ she knows her stuff! And she's pleasant and easy to work with also! Nicole truly is one of the best. Yes, I am partial and jaded. Our experiences with Nicole have left us no choice! Thank you Nicole for all you've done and continue to do. Your dedication to your clients is appreciated beyond words...!

As a realtor, I came to Nicole after our original lender started to ignore our phone calls and he…read moredidnt give us the confidence to believe that we could close on time for our 30 day escrow. After 2 weeks without even ordering an appraisal, no promise on an interest rate, no contact for several days at a time, we decided to cut ties with the original lender and we went to Nicole to save our transaction. Nicole was fantastic and instantly gave us reassurance that all was not lost and we could still close even with half of our escrow period gone. Nicole was very professional and patient with my client and sure enough as promised, we closed on time! Not only was Nicole excellent in doing her job, but she was supportive and understanding of our situation and gave us the confidence we needed to pull through the deal. Now, thanks to Nicole, my client was able to move out of her small apartment and into her new spacious house where her 8 month old baby can crawl around as much as he wants!

Brad helped me and some friends find our first home and was super easy to work with. Any questions…read morewe had, Brad was fast and efficient to answer them. This process went by fast because of how easy he made things. I would HIGHLY recommend anyone to use Brad and his team in any type of purchase or refinance of a home.

I used Brad and his team at Cross Country Mortgage for property purchases and refi's since 2018…read more They have always made my experience and transaction easy smooth and kept me up to date on activity and progress. Brad, Katy and Brendan were a great team to work with. Highly recommended! Thanks!

I've used Heather a couple of times now for obtaining pre-approvals and I have been impressed with…read moreher speed and efficiency! She always responds back as soon as possible, whether it's email/phone/text. Sometimes I will text her and get a response back a minute later! I am also impressed her with knowledge of the market. No one has a crystal ball but she is not afraid of sharing her opinions on where rates might be heading and she has good analysis to back it up. In my experience lenders may try to push you into things not in your best interest, this is definitely not the case with Heather and her team. Valerie was also super helpful and knowledgeable!

Highly recommend!! Heather and Valerie were above expectations in all aspects. Very communicative,…read moreknowledgeable and supportive. The whole process went very smooth. P.S. this is the second deal to close with Heather and will definitely do more with her.

I have worked with Matt before on another loan and after working together on two loans now, I will…read moreexclusively continue to work with Matt and NAF in the future. Response, customer service of the overall team, as well as making the process simple and seamless, are reasons to work with these guys. Rate and closing costs were lower than expected and overall experience of the loan process was excellent.

Our experience with Matt Moore and the team at NAF was exceptional. Matt was very knowledgeable…read moreand attentive throughout the mortgage process and was always available to answer any questions we had along the way. Highly recommended Matt to anyone seeking a reliable and trustworthy mortgage broker that prioritizes the client's needs and deliveres outstanding service. We will definitely be using Matt's services in the future.

Kristin is always ready to help with escrow questions, provide information related to demand…read morestatements, applicable charges related to subject properties and a willingness to go above and beyond your request for assistance! Truly the right choice when looking for a very qualified and competent escrow officer!

Lisa, Caitlyn, and their team just helped me close a transaction on my new home. They are all…read moregreat to work with - very professional and efficient! 5 Stars!