The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly cares 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. read more

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

My husband and I purchased our first home in July, and what can often be a stressful and overwhelming experience was made incredibly smooth and straightforward thanks to Seth and the amazing team at Full Circle Home Loans. Their professionalism, responsiveness, and genuine care made all the difference. We truly cannot express how thankful and blessed we feel to have worked with such a dedicated team. Thank you for helping make our dream of homeownership a reality! read more

Great experience with Full Circle Home Loans. Made the process super easy, great communications, just outstanding in every way.

The house of my dreams fell out of escrow and my backup offer was accepted. The only issue was...the loan had to fund & the escrow close within 14 days or the seller would lose her new place! Seth & Bernie walked me through every step, going above & beyond to accommodate my crazy work hours & get all the puzzle pieces to fit in place in time. I'm so happy & excited to say my escrow closed on time & soon I'll move into my dream home! read more

Seth and his team have now helped us acquire multiple investment properties. Not only have they been super helpful throughout the entire process, Seth and I have become close friends. My wife and I are so lucky to have gotten to know him and his beautiful family. He sent me a closing gift for our last property, which was definitely one of the spicer gifts I've ever received! I highly recommend working with Full Circle Home Loans and I look forward to doing so again in the near future. read more

Full Circle Home Loans - One spicy closing gift from Seth! - Mortgage Brokers Near Me - Upland, California

Closed escrow in February 2025. As a first time home buyer, I was very concerned of the process, however, Seth and his team were very communicative and kept me updated on every step of the way. They provided a lot of new information and explained every step in the process of the loan application process. I would like to give a shout out to Bernie for the daily updates as that kept my mind at ease. Highly recommend FCH for anyone looking to buy now or in the future. read more

Full Circle Home Loans goes above and beyond in every aspect. Fast communication, extremely professional, making the process not feel stressful at all! They answer all questions kindly, if it's a rare question, they will find the answer! This is my second time going through FCHL and it will not be my last! These people work very hard for their clients! They are very positive and motivated to help every step of the process. They will even check in to see how you're doing a year after working with them! Seth, Tiffany, Bernie, Summer, and Spencer are phenomenal! This company is honestly hard to beat! read more

My husband and I are so grateful to have found Full Circle Home Loans to help us both with purchasing our first home and refinancing our loan afterwards. We love that Seth, Bernie, Summer, and Spencer were available for us at all times during our home buying process and worked very quickly to help us secure our home. They are all very knowledgeable and get the work done fast! I especially want to thank Bernie because she went above and beyond when we refinanced our home loan with them as well. She knew I was pregnant at the time and did everything in her power to make sure that the refinancing process was not stressful on me. It was a smooth transaction and we shared many laughs along the way. This happy family thanks the whole Full Circle loan team for everything! read more

Charles Nuno did an amazing job in closing two loans for me during the month of November and December. Despite closures associated with the holidays; Charles worked tirelessly to get these loans closed and funded. His ability to creatively come up with solutions, communicate the strategy clearly and execute on the action plan makes Charles the best in the business. Thank you Charles and Full Circle Home Loans read more

We are super happy with the level of support and professionalism that we received from Full Circle Home Loans. The level of communication was exceptional and that is important to me. We were on a tight timeline with no time to spare and they met all expectations and closed in only 14 DAYS!!! This speaks volumes about the efficiency and effort port forth by their office. Thank you so much Full Circle for being so friendly and helping us make our dreams come true! read more

The whole team at Full Circle Home Loans are a pleasure to deal with. After everything was recorded we received a call from Seth to ask us about our experience, I don't think that there is any other company that the owner of the business would take time out of his/her day to do that. read more

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was with 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. read more

We found Full Circle after doing some research online for who would be the best way to get a home loan. As a member of both USAA and Navy Federal, I assumed that they would have the best rates and mortgages, but not only did this turn out to not be the case, neither bank could compete with the amazing and transparent communication from Full Circle. Full Circle was so on top of things that they knew exactly when to reach out to work with us throughout the process of closing, and when it was necessary they worked directly with our realtor to ensure that closing went as smooth and painless as possible. A prime example of this is when they were able to take advantage of mortgage rates dropping over a one day period. Not only did they reach out to us in time, they were also ale to renegotiate for the lower rate in less than 24hrs. Hands down, I would recommend Full Circle to anyone. read more

This is our second property we have purchased with the Full Circle Team, nothing but exemplary service from Seth, Summer & Bernie! They make the process of purchasing (and refinancing) seamless. I had numerous questions, emails, texts, you name it and they were always very responsive and made sure I was fully informed. My husband and I are both very busy individuals and having everything done virtually was amazing. I highly recommend Full Circle. Seth & team - you have customers for life! read more

I used Seth at Full Circle for a quad I purchased in January of 2020. His communication is unparalleled and his team made the process seamless. He was able to do it with 20% down owner-occupied financing. Only one other lender could (it was a local credit union) do it with less than 25% down and the other lenders rates were not as good as Seth. Fast forward to January 2021. I'm purchasing a single family home with an ADU. My agent requested I use his preferred lender (as all agents do!). I gave Seth, my agents preferred lender, and a 3rd high volume "YouTube" broker all an opportunity for this loan. This morning I asked for terms and rates from all three: Seth had the best terms and rates. Plus, I've used him before and I know he can close. FYI: your agent will tell you "local lenders" are better and request you use their lender. I highly recommend shopping around--and I very highly recommend Seth and Full Circle. Using Seth saved me money on closing costs and got me a better interest rate. Thanks Seth and the team at Full Circle read more

I reached out to a few companies to refinance my mortgage. I chose Seth and Full circle based on their great previous reviews and how quickly they responded to me and my questions. The process was seamless. Tiffany and Bernie were on top of every question or request that needed to be addressed. I got a great rate and I plan on recommending them to all my friends! read more

Seth and the team were on top of everything. Shout out to Bernie and Summer as well! Great Job!

My husband and I refinanced our home with Full Circle Home Loans. Spoke with Seth Anapolsky who let us know that Cavon would be our contact person. From our first meeting and every call after that Cavon was so helpfull, friendly and informative. Cavon always seemed happy to help and answer ALL of our questions. He made the process smooth and was a complete pleasure to work with. 10 out of 10 Highly recommend!!!!!!! Thank you Cavon. read more

I was a little rusty on the home buying process and didn't know where to start. The team jumped in, provided a checklist of what was needed to get my loan approval off the ground. They made it feel easy and manageable. I never felt alone in the process with regular check ins to make sure I was feeling ok and answering any questions that came up. Whenever I had questions they always put me at ease with their clarity, professionalism and knowledge. From pre-approval and getting us the best interest rate possible to signing final documents, it was invaluable to me to have the regular communication and updates from the Full Circle Home Loans team. They stayed in with us the whole time cared for us and made us a part of their family. We are now in our new home and so grateful for Seth, Summer, Bernie and everyone else who worked behind the scenes on our loan. This type of personal investment to a client is unique and you won't find it just anywhere. Thank you for your genuine desire to help us see our dream of buying a home become a reality. read more

Seth Anapolsky chenoa cortez Kaitlyn Le Are an amazing team!! My family was first time home buyers and had 100's of questions they did everything they could to answer us and promptly. They were all so helpful to get us what we needed to help us feel confident in this purchase and i'm thankful for each of them and the hard work they put in for our family. Thank you Full Circle Home Loans Team! :) read more

Full Circle Home Loans - Mortgage Brokers Near Me - Upland, California

During a time of such pain and grief, Full Circle Loans made us feel comfortable and reassured. We had received devastating news about my father who only had weeks-months to live. He had a prized-possession, his 1957 pickup truck. It needed a lot of TLC to get up and running and we were scrambling to make it happen while we still had him here with us. We have bought a few homes and refinanced before so this time wouldn't be any different. I wanted to make sure we had multiple quotes and so I called a few different places to see how we could do a cash-out Refi. When I spoke to Seth, he was very empathetic and gave me our options. Everything was up-front and he was so honest. He never pressured us. He did let us know that loans were taking much longer than normal, thanked my husband for being a veteran and told us what to expect. He has a great team in place and everyone kept up updated. Even when we did have questions, we received an emailed response usually within the hour but definitely before the day was over. We really appreciated all the hard work and how informed we were. We are very glad we chose FCL! Thank you Seth, Tiffany and Chenoa! You guys are awesome and we can't wait to do more business in the future. read more

Full Circle Home Loans is a great company and if I ever need anything for my home loan again, you can bet I'll be contacting them for their help! I dealt mostly with Andrea Thais and she helped me and my wife to refinance our home mortgage. We were able to drop our interest rate and get a lower monthly payment! Andrea and the Full Circle team were great and easy to communicate with. They made sure to contact at the least once a day to give any updates or answer any questions we had. They were even kind enough to give us a brief pause in the refinance process for a few days when my grandmother passed away. If you're looking for help with refinancing your home or anything to do with home loans, give them a chance and I know they will work very hard for you as they did with me! read more

Although we did not end up refinancing our home (circumstances unrelated to Full Circle), I feel like i must write this review after dealing with Seth. I reached out via Yelp late in the evening on Tuesday requesting a virtual consultation. Within an hour Seth responded to me and got me scheduled for the next day. I was not expecting to hear from them so soon, so I was pleasantly surprised. Seth called me the next day, just as he said he would, and was an absolute pleasure to speak with. He took his time explaining EVERYTHING, and even discussed some options that we were unaware of. His level of knowledge surrounding the industry and numbers is impressive. I felt totally confident that we were in good hands and that we'd have a smooth process. Way different than the experience we had when we first refinanced. Like I stated previously, we did not go through with the refinance at the time because of other circumstances, but we will definitely be using Seth in the future for any of our mortgage needs. I am so grateful that he took the time to help us and not make me feel bad when things didn't work out the way we wanted them to! I wish this company all the business in the world! Looking forward to working with you soon. read more

Charles, Seth, and the team at Full Circle Home Loans made buying my first home easier than I ever imagined it being. Not only did they lock in a better interest rate than I could find anywhere else, the customer service and communication was outstanding throughout the process. Charles was always responsive and available via text any day of the week. He answered all my questions thoroughly and took the time to make sure I understood everything each step of the way. I would recommend anyone who is looking to purchase or refinance to contact the amazing team at Full Circle Home Loans. Can't thank them enough! read more

As a real estate broker myself I need to make sure that my clients who are in need of a loan are well taken care of with a team who communicates and genuinely cares about each individual. I would like to acknowledge the exceptional service that all my clients receive during the entire financing process. Seth's team professionalism and knowledge of the industry is always impressive and truly appreciated. They go above and beyond to ensure that all of our needs are met and that everything is handled thoroughly and efficiently! Their knowledge of the local and national market and the commitment in finding clients the best rate help several families in the search for their dream home. I have and will continue to recommend them in the future. read more

I am so glad I used Full Circle for my refi. They were friendly, informative, and fast. Any questions or concerns were answered efficiently and with confidence. Their customer service is off the charts amazing. Constantly in contact with information every step of the way. They are a top-notch mortgage company that truly is there to help you in any way they can. I can't recommend them highly enough. Thank you Seth and Tiffany! Thank you so much for the congratulatory Tiffany Company glass flutes they are beautiful! What a way to celebrate my refi! read more

What a great experience I had with Full Circle for my purchase and refinance the process was very quick. Seth and his team are awesome to work with, they keep me updated and answer any questions I may have in a timely manner. I would highly recommend Full Circle to family and friends. read more

I recently got an investment loan through Full Circle & the process was simple the entire way through. Nick was great and was available to answer all my initial questions. Would definitely use them again in the future & would recommend their services. read more

So you're searching for a home lender or broker, right? Are you a first-time homebuyer or looking to refinance? Well, we have great news for you and trust me when I say you'll thank us later. We've done your homework and the research, and we can confidently tell you that your home lender/broker search is over if you are reading this post. You've landed at the perfect place and you should really just stop reading this post and pick up the phone, send a text, or email the Full Circle Home Loans (FCHL) team now. One of the many wonderful individuals at FCHL, including Seth, Tiffany, Bernie, Angie, Spencer, and Robert will be happy to help you. So you want to know more? Okay, no problem! My wife and I began looking for a home this year and in the process, we interviewed about 8 lenders/brokers and decided to choose Full Circle Home Loans from a very diversified pool of lenders/brokers. So I was not lying when I said we've done the homework and research. We interviewed the direct lenders that are considered "big banks", retail lenders, correspondent lenders, and brokers. Among all of them, Full Circle Home Loans came out on top for various reasons. 1. They are based out of Southern California and have several locations. I'm not sure if they service loans for other states but I wouldn't be surprised if they did. Often times with the "direct lenders/big banks" you're having to speak with a lender that lives out-of-state. Do you really want to speak to someone in a different time zone that may have never lived in California and/or does not understand the local market taking care of your loan docs? We sure didn't - instead, we wanted a local team 2. They are just a phone call, email, or text away - literally almost every hour of the day. There were times I messaged Seth in the evening and he still took the time to respond back. He could have waited until the next morning or business day, but instead, he didn't hesitate to respond back and answer my questions. Although it may seem like a simple gesture, as a first-time homebuyer this definitely helped to ease any feelings of stress or anxiety that comes with making one of the biggest financial decisions of your life. 3 They truly embody the definition of a successful team. Everyone on the FCHL team is integral to this team and they all work together to get your home loan processed as efficiently as possible. 4. As a broker, FCHL has a wealth of products available and can match you with the loan product that fits your specific needs. Unlike some lenders that can only offer you one or two products, they work to find you the best loan product for your specific situation. 5. Customer service is beyond perfect! FCHL is always there to answer your questions and to keep you informed every step of the way. You'll know exactly what to expect and what documents or information are needed to keep the loan process moving. 6. They are extremely efficient - our loan was cleared to close in about 10 calendar days - yes you read that right, 10 days and this also included an appraisal. We were so efficient that in the end, the seller's side was lagging behind with closing since they didn't expect us to be ready to close so fast. As long as you do your due diligence and provide FCHL with the required documents and are proactive about getting docs signed and sent, you can expect they'll be working extremely hard on your side to close the loan. In the end, there are so many reasons why FCHL is great but as I said earlier, waste no time and contact them. You'll be happy you did and you'll know you made the right decision! Thank you, Seth, Tiffany, Bernie, and the rest of the FCHL team! You are all so awesome! read more

While researching about buying a home that we could use as Short-Term Rental, we were recommended to Seth's team at Full Circle Loans. The team at Full Circle Home Loans are superb! When we first reached out Seth walked us through the loan process for a second home. He even gave us some tips on the Short Term Rental Market as his wife Tiffany is an Airbnb ambassador. While still researching, Seth made himself available through text and was super responsive. His accessibility and friendly approach made us move forward and work with his team and we are so glad that we did! The whole team at Full Circle Home Loans are superb! Buying a home is stressful enough but all the people we interacted with were knowledgeable and friendly. The provided guidance about the process, followed up on all of the many questions we had and went above and beyond. As we approached closing, Bernie from Full Circle Home Loans helped us make sure we understood exactly what documentation the loan underwriters and resolved issues that came up in order for us to close on time. Even after closing, Seth's wife tiffany met with us to give us tips and advice for running a short term rental. We truly couldn't have chosen a better mortgage company. read more

Great company and good people working there. They always answers emails and are on top of everything that is essential so you do not have to worry about deadlines. As a first time home buyer, they explained everything well and in detail. They are also reliable and supportive of your choices. I am glad I supported this small business. I will be back if I need their services in the future. read more

I'm a Realtor and have been referring clients to Full Circle for about 4-5 years now. I've always been pleased with their rates and their customer service is unbeatable. I never have trouble reaching them when I need them and their communication is always outstanding. I can text at 8pm on a Friday night and I'll get an instant response every time. My clients all love them and I'm happy to have them as a referral partner. read more

Very unorganized group of individuals with no communication... be careful giving your info to them... they don't keep you updated and when you follow up.. their excuse for not responding was that they were "under the weather"... not professional at all. read more

This was my 3rd time working with Full Circle home loans. Excellent service before, during n after the loan process. Seth, Summer, Tiffany n the whole team were extremely helpful n provided insight that most companies do not provide. Excellent team n I would highly recommend. read more

As a Realtor, I've worked with Seth and his team on multiple transactions and their speed and communication are second to none. Would highly recommend their services for a home purchase or refinance. read more

I wanted to write this review to thank my lender Bill. Bill, Seth and their team went above and beyond my expectations to help me close on a 21 day escrow. Bill is incredibly patient, knowledgeable and communicative. He not only kept me in the loop throughout the transaction, he also took the time to thoroughly answer all of my questions. I would absolutely recommend Bill, Seth and the team at Full Circle Home Loans. read more

Agent review: Seth and Tiffany were absolutely amazing. Responsive, direct, intuitive, and ahead of schedule at every turn. Teamwork is an understatement with Full Circle Home Loans on the file. Every call, text, and email responded to in minutes. A buyers agents dream. They consistently kept the listing agent updated throughout the contract. Abounding in ease, I highly recommend reaching out to Seth and Tiffany. You really couldn't ask for more in a lender. ~ Michael Slate ~ Founder ~ Elevate Palm Springs Real Estate. read more

A+ they get the job done. I was in the process of working with multiple lenders until I found Full Cirlce. The whole start to closing was very upfront and I received all the information I needed to close. I loved how upfront Seth was and his team were very quick with their responses to my questions and concerns. read more

"THE BEST OF THE BEST" Seth and his team of experts are the most professional group of people,who honestly care about their clients best interests. Full Circle Home Loans staff becomes almost like a family. Chenoa was one of the hardest working as well as patient woman to work with. As is with any loan company, the questions are of the most sensitive and personal nature...each and every person I worked with made me feel completely comfortable with my personal information. They all work in a very forward and positive manner. Most importantly at the end of it all Seth makes sure that you receive the best mortgage for your specific needs. Full Circle Home Loans is a very appropriate name for the company, they do exactly what the name say's, from start to finish they support you until the deal is closed. I cannot express how happy my wife and I both are with Full Circle Home Loans. read more