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    Full Circle Home Loans

    5.0 (163 reviews)
    Closed 9:00 am - 5:00 pm
    Updated 2 months ago

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    Response time

    10 minutes

    Response rate

    100%

    Services - Full Circle Home Loans

    Mortgage services

    Mortgage refinancing

    Home purchase

    Full Circle Home Loans Photos

    Recommended Reviews - Full Circle Home Loans

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    Reviews With Photos

    One spicy closing gift from Seth!
    Kory O.

    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.

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    5 months ago

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    Seth A.

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    7 months ago

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    Seth A.

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    Photo of Paul D.
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    10 months ago

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

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    Seth A.

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    11 months ago

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    Seth A.

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    1 year ago

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    Seth A.

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    2 years ago

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    1 year ago

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    1 year ago

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    Seth A.

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    2 years ago

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    Seth A.

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    2 years ago

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    Seth A.

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    2 years ago

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    Seth A.

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    1 year ago

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    4 years ago

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    Seth A.

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    3 years ago

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    Seth A.

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    3 years ago

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    Seth A.

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    3 years ago

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

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    Seth A.

    Thank you, David our team greatly appreciate you!

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    5 years ago

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    5 years ago

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    5 years ago

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    7 years ago

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    Seth A.

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    5 years ago

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    Seth A.

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    Photo of Ryan C.
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    6 years ago

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    Seth A.

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    6 years ago

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    Seth A.

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    6 years ago

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    6 years ago

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    Seth A.

    Likewise Xoel. Thanks for recommending us! Stay safe :)

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    5 years ago

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    4 years ago

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    4 years ago

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    5 years ago

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    4 years ago

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    5 years ago

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    Seth A.

    So happy for you Carissa! Congratulations on being a homeowner!

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    5 years ago

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    Seth A.

    Thank you very much Chris!

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    7 years ago

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    Seth A.

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    4 years ago

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    5 years ago

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    5 years ago

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    Seth A.

    Appreciate working with you. Thanks Michael and chat again soon.

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    3 years ago

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    5 years ago

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    7 years ago

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    Page 1 of 5

    Ask the Community - Full Circle Home Loans

    Hello, after a recent messed up low appraisal during a cash-out refinance, I'm wondering if having an appraisal done before engaging in the refinance process would be better or beneficial.?

    Sometimes a pre appraisal inspection can be done. We do have some clients that we order appraisals for and if it comes in where we need it to, we move forward. I have a few options typically with appraisals.… Read more

    Hello, I was wondering what are the refinance rates are right now. I currently own a 4plex, worth 1m with a mortgage of 665k. City of upland. Credit score right over 700. Can you help?

    Hi there. Pricing changes multiple times a day from Freddie Mac and Fannie Mae but give Full Circle Home Loans a call if you need assistance.

    View All 3 Questions

    Review Highlights - Full Circle Home Loans

    Not only have they been super helpful throughout the entire process, Seth and I have become close friends.

    Mentioned in 100 reviews

    Read more highlights

    John Abril - Upland, CA Home Dinning Area

    John Abril

    (1 review)

    We interviewed five agents, but John Abril stood out. He was the only one who genuinely cared about…read moreour move, asking 'What are you looking for?' and 'What do you expect from me?' This personalized approach, combined with his calm guidance through a stressful sale, made him the perfect agent. John was always responsive, professional, and his strategic plan delivered excellent results. We couldn't be happier. Thank you John!

    From the owner: John Abril the Realtor broker real brokerage technologies and birdeye loans inc…read more Looking to buy or sell a home in Upland CA or Ontario CA With 24 years of experience as a top realtor real estate broker and mortgage broker I specialize in helping homeowners sell for top dollar and guiding buyers through smooth successful transactions For home sellers in Upland and Ontario Want to sell your home fast and for the highest price My strategic home selling plan includes expert pricing professional photography home staging social media marketing and direct outreach through door knocking and networking I aggressively market your home to attract the right buyers and negotiate the best terms for you For home buyers in Upland and Ontario Whether you are a first time homebuyer upgrading to a larger home or investing in rental properties I help you find the perfect property and secure the best mortgage rates From FHA VA and conventional loans to investment property financing I handle the entire process For homeowners needing mortgage solutions As a licensed mortgage broker I provide expert home loan guidance for purchases and refinancing ensuring you get the lowest rates and best financing options in todays market If you are searching for a trusted experienced realtor in Upland CA or Ontario CA I am here to help Lets discuss your real estate goals and create a winning strategy

    The HLC Team - Cornerstone Home Lending

    The HLC Team - Cornerstone Home Lending

    (74 reviews)

    If you are in the market for a mortgage loan, Tim Harrison at Cornerstone Home Lending is the…read morefirst, second and third person you should call. He is honest, direct, extremely talented with "the numbers," and most importantly, he genuinely wants to help people. As a testament to this, by Tim's own advice, my husband and I ended up getting a loan from an entirely different lender! I was very impressed with Tim's honesty when he identified that a particular bank had access to a rate and rebate package (due to that bank's partnership with the builder) that he simply couldn't offer. Even then, that didn't stop him from giving us great financial advice. There is no question in my mind that we would not have been able to afford our house if it were not for Tim. He spent a great deal of time listening to us and educating us on how if we restructured our borrowing strategy, we could access rates and lower fees that somehow none of the other lenders were telling us about. When you speak with Tim, you can tell his mind is running at maximum strength, coming up with ways to save you money - not just at the closure of Escrow, but months and even years later. It was like watching one of those expert Rubik's cube solvers. Again, we did not ultimately end up getting our loan from Tim and the HLC Team at Cornerstone Home Lending, but the service we received there was just so outstanding and beyond our expectations, we just had to write something. I will continue to refer Tim and his team to anyone looking for a mortgage lender. Five stars!

    Our loan could not have gone more smoothly. They were always available which in today's world…read moreisn't the case. I would highly recommend them.

    Teresa Tims - TDR Mortgage & Real Estate

    Teresa Tims - TDR Mortgage & Real Estate

    (90 reviews)

    Buying our first home felt like stepping into a maze with moving walls, and Teresa was the one…read moresteady light guiding us through every twist. She is an incredibly hard worker. Truly relentless in the best way! Teresa answered every single question we had as first-time buyers without ever making us feel lost or naïve. What surprised us most was how deeply she cared about us as people, not just as a file to process. She got to know our life, our quirks, our hopes, even our karaoke nights. She knew our area, sent us homes she thought fit our style, even recorded videos to sellers on our behalf. She made sure we were fully underwritten before we started making offers, and ultimately it was her relationship-building and reputation that helped secure the deal we're genuinely thrilled about. Even now, long after closing, she checks in as interest rates shift, thinks about our refinance options, and makes sure we still feel supported. It's rare to meet someone in this industry who stays in your corner after the ink dries, but she does. There so much value to her because she's committed to making sure we get a no-cost refi and giving us advice on how to get our PMI gone quick! If you want someone who will be honest, direct, and fiercely on your team from the first conversation to the last signature (and beyond), she's the one. We couldn't imagine going through this process with anyone else.

    Being new homeowners Teresa has made the whole process smooth from start to finish. She kept us…read morewell informed w our options and always explained in depth things we had questions on or were not familiar with. She was readily available from videos to phone calls through out the whole process made things feel more at ease .We appreciate her connecting us with our agent Clyde who was also on top of things and went out his way to make sure the home we got was something that we were looking for. Definitely glad to have both of these expert people not only there for the process but making sure it's something that worked for us which makes a world of difference they didnt make it seem like we were a transaction but genuinely keeping our best interest as well.

    Erika Shinzato - Re/Max Time Realty - Erika Shinzato: Realtor Specializing In Residential Home Sales. Direct (714) 485-3998, www.ErikaShinzato.com

    Erika Shinzato - Re/Max Time Realty

    (191 reviews)

    I cannot recommend highly enough. Even though I decided to hold off on selling due to personal…read morefinancial situation. The service and care I received from Erika and David are exceptional. Most agents only care about the sale, but they truly care about what is best for me. When I was going though a nightmare eviction and didn't even have possession of my own house yet, they were there. They listened to my worries and showed genuine concern for my situation before there was even a house to sell. That kind of heart is very rare to find. Once I finally got the house back, they guided me through every step of repairing the damage that the renters left behind. They are so serious about their work. They are punctual, they keep every single promise, they do things the right way. Even though I have decided to hold off on selling right now because many personal uncertainties, I feel so grateful for their guidance. Their personality, their caring nature, and their professionalism really stand out. I will go back to them without any doubt the moment I am ready to sell. Thank you Erika and David truly from my heart.

    Stop searching! You've found your realtor. Erika and her husband David are the coaches you need to…read moreplay ball in the complicated game of selling or buying a home. They know the rules, they know the plays, they set us up so well - the whole process was so smooth it was fun! Our house sold from listing to close of escrow in a month. Wonderful warm people, easy to talk to, they break down the tasks and are transparent in their recommendations. Fast communication and timely updates, our questions always addressed same day. David is was able to anticipate and handle issues with our trust sale before we did. 10/10 - I'd recommend Erika to my best friend, my mom and my most picky uncle who I'll see at Thanksgiving

    Full Circle Home Loans - mortgagebrokers - Updated May 2026

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