Our family was about to expand in a matter of days, so our home needed to expand as well. In crazy timing, as we welcomed our third child into this world, buying our new home fell into place as well. Michael and Mandy at Harbor View Funding who we had been working with weeks prior, took charge and handled all. They made the process of qualifying for a home loan ABSOLUTELY painless. We chose Michael and Mandy to assist with our loan process for many reasons. A couple being, the positive reviews they have and the fact that they are this amazing Husband and Wife team who understand the busy schedule and at times stress of todays life with a family of 4 becoming a family of 5. They were always on task to get us the best rate and to get us where we needed to be to reach that closing day on our forever home. All while being considerate and compassionate to the fact that we had our hands full with our children as we welcomed our baby girl. I am Forever thankful to Harbor View Funding, for helping us with this next chapter in our lives. For making what I thought was going to be a long, tedious and stressful process, anything but that. Thankful to them for letting me just be a Mommy that had to do a couple Docusigns here and there. I will definitely recommend to them all! read more

I spent months learning about searching for a home, watching videos, doing monthly payment calcs and preparing for a rough market in 2021. Probably a typical first-timer mistake, most of my time was spent on the home-finding side of the process, assuming the lending process was straightforward with some bank or FCU system. At some point in November, a realization happened and it clicked "hey! why even bother looking at a home without money?!" and I frantically started diving into lenders. I learned basics of the financials involved, and most advice was to start speaking to lenders early. What I thought was months early actually only turned into... weeks early. I clicked a handful of yelp high rated, local brokers / lenders in my purchase area. Out of the few lenders who responded to my inquiries, my first call with Michael was all about education and familiarity with the loan process. Most lenders get your info and tell you a possible rate. Michael is wonderful to talk to and always provides valuable insights. This has benefits beyond direct customer service, for instance having every seller agent LOVE him, putting a stamp in their mind when sorting through 40+ offers (most 10s of k over asking). With some short discussions, it was clear we could move faster than I had anticipated back in 2021. We were very well qualified, but lacking larger down. Some ideas I had about the funding process were not correct, and money is basically made up anyways, so... When looking for an agent, I talked to several. Ultimately, based on my gut feel with Michael, I went with a recommended agent that he was familiar with, Autumn&Cassidy. They were a very efficient team to work with, and this was a great coordination move. Starting the home search in Jan 2022, the market was molasses slow, rates were OK but hikes were looming scary. With assurance from Michael, this seemed like "the time" to move forward. We went through 2 aggressive offers before winning the 3rd in early March. Getting paperwork sorted with Michael was painless, and he stitched together a handful of very messy bank accounts which eventually equaled my closing cash. Employment history was OK, but that too required some finesse (hey, life is complicated). He took care of our DU instantly once things started getting serious with offers. During the counter and acceptance of our winning offer, Michael was on top of it. Frequent communication, late night texts, locking fantastic rates only hours before increases. I was able to effectively do my entire escrow while out-of-state with Michael's and our agents' help. Not but days into escrow (which was less than 15 days by the way, light-speed), some poor financial logistics put me in a solvable, but tough spot for closing the purchase. Michael was up doing research with me Sunday night after hours, completely responsive and, quite frankly, stable and put together which I was not. Gladly, that was solved, and we moved on to a low appraisal! This is all too common right now, and unfortunately we ended up coming up with the difference out of pocket. This is the market we are in, its not the best but the small difference over time is still worth the purchase of a home in Southern California. Getting a great rate during such an unstable time offsets momentary pain of an out-dated appraisal system in the long term. The lender and escrow that Michael ended up recommending were fast and flexible with our timeline, allowing a crazy fast close. Escrow provided a mobile notary, which was also very convenient. The only speedbumps in the entire process were self-inflicted. I think my largest disappointment in the process has been COVID making it difficult to meet Michael in person, which will happen in the very near future! Michael and his family have personalized this experience and made us feel totally and completely comfortable borrowing existentially large amounts of money. One thing I was not looking forward to was shopping for lenders. Having a broker to essentially work for you to get you the cheapest money is totally worth it, especially when that someone is as effective, personable, and professional as Michael and his family is. I'm sure there are a million other fantastic things Michael has done for our benefit, and as a first time home buyer I would do it all again with Michael. Too bad I can only give 5 stars. I will be coming back to him for refi when the time is right. read more

We have never thought we could win the jackpot by finding an amazing mortgage broker on Yelp! But here we are; we found Michael on yelp! I still remember from the get go, how Michael stood out to us among all the other brokers by his very personal touch to our situation and his patience with all our questions. We instantly know this is the guy to work with. And he did not let us down! He's not only so professional (and was able to pull a very good rate and terms for us) but he also went so above and beyond to help us throughout the process to make sure we land our dream home. He was our biggest cheerleader throughout the process and we do not think we could have made it through the whole process without him. If we had to do it again or buy another home in the future, we wouldn't want to work with anyone else! Thanks again, Michael! And can't wait to hang out soon! read more

My wife and I really enjoyed working with Michael Mannino at Harbor View Funding!  We were first time home buyers and he clarified all the questions and concerns we had about the process every step along the way. We felt like we could really trust him and he helped to make the our first home purchase a positive experience.  Thank you Michael! read more

Harbor View Funding - Mortgage Brokers Near Me - San Pedro, California

We just closed on our house and Michael is THE BEST! As first time homeowners, we were overwhelmed but he was so kind and patient and knowledgeable. He was genuinely thrilled for us getting a home and we felt like we could really trust him through the entire process. He is on top of everything and helped us by closing quick and on time. I highly recommend going with him. Great person to have on your team :) read more

Michael at harbor view funding was incredible. He made our loan process very simple and easy. Buying and selling a home is stressful so making the funding process smooth was a huge advantage. Everything was done quickly and professionally. Michael is very personable and explains everything and gives you options. We feel very blessed to have found them and used them for our loan. Would highly recommend. read more

Harbor View Funding was referred to me by a friend who had used them recently to refinance his home. I used another big company for my last loan and it went fine, but I was constantly bouncing from person to person in multiple departments over there and I felt like just a number. After working with Michael and the care and attention he gave me, I honestly wouldn't choose any other company. Sure there are tons of mortgage companies, but not with this sense of attention and customer service. Michael and his team always respond quickly to my emailed questions and concerns, often within minutes, even on the weekend. I doubt you will find that with the huge mortgage companies; I sure didn't the last time! Any time there was a form to sign, Michael walked me through each page explaining everything and making sure I was comfortable instead of just rushing me through it. I appreciated that because even though this was my second time getting a mortgage I am still not familiar with everything. Thank you again for making the process as easy as possible and minimizing the stress of getting a mortgage. read more

Michael and his team made our home buying experience absolutely seamless. He was available to us around the clock, so quick to respond and on top of every last detail. He was truly a joy to work with even during a process that can be a little overwhelming, his support and direction was incredible. Not to mention Michael and his team sent the most thoughtful gifts along the way. Yes, gifts - plural. If you are in the process of buying a home or refinancing look no further. Harbor View Funding is an absolute gem, definitely a business I will be recommending to all family and friends. read more

Harbor View Funding/ Michael Mannino is a hidden gem - best rates and values, intelligent all-encompassing expertise in the market, genuine caring and personalized ultra luxury attention to detail, all wrapped up in a priceless experience that's a cut above. Once you find this gem you will never look anywhere else. read more

Michael was such a huge help in funding us on our new home. Michael took the time needed to explain how to handle upcoming hurdles and went over any points we wanted clarification on. He was very very patient with my husband and I. We never felt rushed or uneasy at any part of our experience with going into the escrow. He made it as painless as possible and was always checked on us to see how we were doing. I can't put into words how much we loved working with him and Harbor View Funding. If your looking for a Broker I could not recommend anyone better. Especially for us first time home buyers. read more

Michael is amazing. I've never gone through a more stress free, fast and efficient loan process as I did with Michael. He was so patient taking his time to explain everything to ensure I was completely comfortable. I would recommend him to anyone and will definitely be a repeat customer. Thanks again Michael. read more

I worked with Michael when buying a house recently, and had a really positive experience. He presented different loan scenarios and their nuances in an easily understandable way up front, helping me to choose the best option for my situation. I could count on him to stay on top of the loan process during escrow, and I appreciated the way he explained things along the way - going line by line through the closing estimate, for example. He was always quick to answer questions throughout the transaction, and I appreciated the little personal touches as the deal proceeded (and after closing). Highly recommended. read more

I can honestly say that I very rarely write reviews, unless I really truly mean what I am am reviewing. Having Mike be our broker for our Refi is by and far the best decision we made in 2020. He is so attentive, responsive, patient, and helpful, and he honestly made a long and tedious process so easy for us! If you are looking for an amazing, detail oriented broker, please reach out to Mike. He was there for us every step of the way, and we are truly grateful to him for that! read more

It was great working with Michael Mannino. He is professional, efficient, and he addressed our questions and concerns in an expeditious manner. He helped us receive the best loan for our refinance needs. We highly recommend Michael Mannino to anyone considering a home loan. - Mattis Family read more

Michael recently helped us close on our very first home here in Los Angeles! I don't think it can be overstated just how much and how often Michael went above and beyond for me and my husband. The process was a little intimidating for us, but he took the time to make sure that we understood everything, and he was available for every single follow-up question we had. Toward the end of the process, we were dealing with somewhat inept seller's agents and an Escrow business that didn't seem particularly interested in doing any actual business! I know that if we hadn't had Michael helping us out, the process would have lasted much longer or may have possibly fallen apart. I can't emphasize enough just how lucky we were to have Michael on our team. read more

Mike was fantastic to work with! He is very attentive, quick, and on top of everything we needed to get our house refinanced. We have refinanced twice with him and cant imagine working with anyone else. He even sends little gifts! read more

If able, I'd give Michael and company 10 stars! To say Michael went above and beyond to help my family get into our new home would be a huge understatement. He was there for us (at all hours/night & day) every step of the way with solid guidance, knowledge, patience, and an excellent rate. Whereas my family is definitely glad to have that part of the home journey over with, I can honestly say we'll miss interacting with him. A true professional that felt more like family once closing day finally rolled around. Do yourselves a favor folks, give Michael and Harbor View a shot! You can thank me later. read more

Michael helped my wife and I purchase our first home. While family and friends who had already been through this kind of thing told us horror stories, Michael made it so easy. If I knew buying a house was this easy, we would have done it years ago. He was always available when we had questions and his knowledge and experience really helped us get through what can sometimes be a very stressful event. I look forward to working with Michael again in the future. read more

Michael is such a delight to work with. He helped my husband and I refinance. He was very honest, and gave us a lot of options. We absolutely loved working with him and would recommend him to anyone looking to refinance or any mortgage needs. Thank you! read more

Our real estate team has now been working with Michael for over 2 years. He has distinguished himself as one of the top lenders in the industry with his performance time after time. With his background in finance and superb technology, he provides a different but clear/great approach to our clients in understanding the process throughout. His care and attention to detail to his clients is top notch from start to finish. In addition to this, with his team of Mandy and others, they form a perfect balance in marketing to clients and providing tokens of appreciation that are timely throughout the buying, in escrow and even after closing the transaction. Its a great feeling to know that when you recommend someone, they are in good hands, every time. Here is to years of more success! read more

Harbor View Funding was extremely helping in the home buying process. I am a first time home buyer and I'd have to admit, I was a bit overwhelmed at the whole process. Thankfully, the team at Harbor View Funding was super knowledgeable, insightful and guided me through the entire process making it an enjoyable experience. I'll would highly recommend to reach out if your in the market to purchase a home! read more

I was recommended to Michael by my realtors Autumn and Cassidy, and I can't thank Michael enough for all his help with buying my first home. I am a disabled veteran woman of color who is suffering from chronic kidney disease and lupus. Michael was so empathetic with my condition and made sure that the home buying process was smooth and easy. My financial situation was quite complicated and given that I'm using a VA loan, he made sure that every house I submitted an offer for was going to be VA approved. Michael also educated me about the various rates and suggested options that would help me financially long-term. He has a great relationship with my realtors that we were in a group chat together as I was house shopping. Michael is quick, efficient and very easy to get along with. So far, I have recommended him to all my friends and family, and they cannot be anymore happier. He's a really nice guy, very thoughtful and extremely helpful. It's really rare to find someone in finance who's genuinely a good human being! Jokes aside, he really made home buying stress-free, closed escrow less than 21 days, and still responds to all my messages. Thank you Michael for always being available and helpful throughout my home purchase. read more

Michael made our refinance such a smooth and easy process. His knowledge and professionalism made all the difference for us! He really goes above and beyond for his clients and we always appreciate how honest and trustworthy he is. We look forward to using Harbor View Funding for our future needs. Thank you, Michael for all your hard work in making our refinance such a positive experience. read more

My wife and I looked around for awhile before we found Michael. Right away you could tell he was genuinely interested in helping us. Almost everyone else told us our expectations were too high and we expected the same here. But Michael gave us by far the lowest rate and saved us over 2x the amount on our refi as our next best offer. Don't normally do reviews on Yelp but had to for this. Will definitely be using Michael in the future. read more

Michael helped me close on my new condo recently, and I cannot express enough how helpful, kind, and patient Michael is. He was always quick to answer any questions I had throughout the process and made it enjoyable along the way. Highly recommend! read more

Michael has helped us refinance our home twice and it was so easy! He's informative, patient and knowledgeable and we wouldn't hesitate to use him again or refer him to a friend. read more

Michael made the refinance process so easy for us, especially in these uncertain times during Covid19. He kept us informed every step of the way. His honesty and attention to detail is so appreciated! I will refer everyone I know. Thank you Michael! read more

Wow! Michael was great! Refinance with subordination is not easy these days but Michael was in constant communication and got the job done fast. I've already recommended him to others. Better rates than big banks too! read more

Michael and his team were a dream to work with. As first time home buyers, we had lots of questions and needed guidance we could trust- especially in the current crazy housing market. Michael literally answered all our questions and held our hand through each step of the buying process. He had our best interest in mind at all times and communicated with us at each step. He was quick in handling paperwork and transactions, easy to work with, well versed and knowledgable, trustworthy and transparent. Micheal and his team walked with us and celebrated us at every milestone-from the beginning to end. We were able to buy our dream home in this crazy housing market and we could not have done it without the help, support, guidance, professionalism and knowledge of Michael. We highly recommend Michael at Harbor View Funding and can't thank him enough for all his time, help, patience and hard work. read more

Michael Mannino made my refi an easy, stress-free experience. All my questions were answered and I was kept updated at every step. Not to mention the great rate he locked in for me. I recommend him to everyone!! read more

I am a Realtor in Long Beach with 18 years of experience and am in my company's Hall Of Fame. I've worked with Lenders of all skill levels. It's a bit worrisome to enter Escrow with a Lender you've not built a relationship with or had experience with closing deals. Well, Michael put that worry to bed very quickly. From the onset he was readily available, pro-active, extremely competent and very personable. He was willing to do whatever it took to land my Buyers their home. And that continued through the transaction. It was a very quick Escrow but he ran ahead of schedule the whole way, keeping myself and my first time nervous Buyers updated as we went along. By mid transaction I knew we were in excellent hands and that we would close in a timely fashion with no hiccups. He went above and beyond in helping the Buyer through the paperwork, taking calls at night and weekends and I gave my Buyers keys last week. They are ecstatic! I absolutely will keep Michael in my contacts and reach out to him if I need a helping hand on another transaction. read more