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    Recommended Reviews - Harbor Lending

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    17 years ago

    Harbor Lending, Inc. has the best in the business. Great customer service and an experienced, knowledgable staff.

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    15 years ago

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    Central Coast Lending

    Central Coast Lending

    (9 reviews)

    If I could give more than 5 stars, I would. Working with Pat…read moreat Central Coast Lending was nothing short of a miracle. From the very beginning, our situation was tough -- the kind of file most lenders would've walked away from or told us wasn't possible. We initially DID have a loan officer completely ghost us right before, but not Pat! He stayed patient, persistent, and focused the entire time. Even when it felt like the odds were stacked against us -- with hiccups in paperwork, last-minute surprises, and a tight timeline -- he somehow made it happen. He communicated every step of the way, always kept us in the loop, and fought hard to get us across the finish line. Because of his commitment, we're now officially homeowners. That still feels surreal to say! I can confidently say we wouldn't be holding these keys today without him. If you're looking for a lender who actually cares and gets things done no matter what, Pat at Central Coast Lending is the one you want in your corner. We'll be recommending him to everyone we know

    Mike and his team are great! I used central coast lending initially because a friend recommended…read moreit. Mike ended up getting me the best rate out of everyone I filled out applications with. That was our first time purchasing a house. Mike was very informative and patient. Mike was extremely professional and proficient in his craft. We now have used Mike for the second time.This time for a refinancing of our home while we have even better rates available. Give them a try!!!!

    Landon Spitler - Certainty Home Lending

    Landon Spitler - Certainty Home Lending

    (40 reviews)

    First of all, buying a home is STRESSFUL! And, to top it off, we had the worst escrow ever...and…read moreNOT because of our lender. But, that's another story!! We worked with Carly Smith from Certainty and from DAY 1, she made the process as smooth as possible, with our impossible situation. We actually were able to get a 14 day close (which is super fast) and Carly made sure that everything was done right on her part and on Certainty's part. We fulfilled all of our obligations, although the escrow did lag behind and finally closed in 45 days. However, Carly's sense of urgency, her communication skills, and her reliability all made the process so much easier to swallow. PLUS, she's knowledge and FUN to work with! You feel like you're working with someone you've known and trusted for years, even though we just met her (via a recommendation from a trusted realtor friend). We just can't say enough about Carly and Certainty Mortgage. In total, this is our 10th home we've bought and hands down, Carly is the best mortgage broker EVER!

    I have known Landon for many years through my real estate business. My wife and I recently acquired…read morea new home and got a loan through Landon. He is the ultimate professional in handling all of the details in acquiring the best loan product to suit his clients individual needs. He makes the process easy to understand and covers all the details in a smart and seamless manner. He will get the job done in a timely and efficient way with your best interests in mind.

    Mechanics Bank

    Mechanics Bank

    (5 reviews)

    If I could give mechanics bank branches in San Luis Obispo County a - 0 rating i would. That goes…read moreon par with all banks located in slo county. You stand in these lines foreverrrrrrr. They all work at a sloth pace at these banks. I have been trying to open up a business account when I already bank at these banks for over a week. They are all "booked out solid " Why? Takes weeks to open up a business account on a wait list?!?!! Huh???? That's insanity. It instills ZERO confidence that if I'm in a crisis and I need to get my money out of a bank it will never happen. all the banks in San Luis Obispo County have horrible customer service. Drive-throughs take 30 minutes of your time. Going into the bank's to make deposit takes even longerrrrrrrr. They have no staff AT ALL OF THE BRANCHES. Zero stars. Bank elsewhere

    Man, this branch Broad St, is super dull. It's literally like stepping into the DMV. And let me…read moretell you, I've heard the manager straight up talking down to customers and employees more than once. Also, half of the time I go there, she's nowhere to be found! Her own staff even mentioned that she's out there having breakfast, lunch, dinner with her "customers." Not to mention the reputation she's worked up for herself is very telling. This bank used to be all about that community bank vibe, but not anymore. I don't see why I should keep banking here. American Riviera has been wonderful and have gained by present and future business.

    Harbor Lending - mortgagelenders - Updated May 2026

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