I worked with a childhood friend, Chris Cadiz, on my first home purchase and I can say that he was one of the main reasons I'm able to call myself a homeowner today. He was patient enough to walk me through the entire process and even before that, gave me honest answers on what I would be able to afford. He was extremely responsive throughout the whole escrow process and there were times I called him after hours on a regular basis. During the scary ordeal, Chris helped me gain confidence in the decisions I was making without any fluff. Chris is an outstanding person to work with when it comes to your home loan! read more

Not quite being upfront with me in the beginning, good rates, broker compensation is only 1.25% at Rocket Pro, while the average broker charges 1.5%-2.5%. so definitely competitive rates, but not the lowest on the block. great service despite not being completely transparent about their no cost loan. All in all, definitely Lower in closing costs than most brokers (1.25%). So I got a good rate with decent fees but not the lowest as I encountered a brokerage only charging 1% at rocket pro charging their lowest and best right out of the gate. read more

Terry helped me on my first home purchase. There was a lot of anxiety and uncertainty as a first time buyer, but Terry is knowledgeable, honest, and responds quickly to my needs. He goes the extra mile to make sure all of my concerns are met in a timely manner. Now that I'm a proud owner of a brand new home, I would definitely recommend Terry to anyone with their home purchase. read more

IHL Direct - My beautiful new home, thanks terry for making home buying smooth. - Mortgage Brokers Near Me - Fountain Valley, California

Michael Davis is our go-to guy for loans. He has been providing loan services for our rental business for many years now. Thorough, honest, and patient. Highly recommend read more

SCAM: Our philosophy is Homeownership Guidance for life! They call in, brainwash you for 40 minutes, explain what "Homeownership Guidance for life!" while offering no-closing-cost mortgage, and when suddenly and very briefly letting you know about fee(s) of multiple Ks, what isn't closing cost, they charge it for the service. Stay away folks! read more

What a great experience working with Terry. I couldn't be happier to have him help refinance my family's home. One day we were talking and he was mentioning that interests in mortgage is relatively low. I asked if he can help me refinance to get some cash out to pay for credit cards and other debts. He quickly took out his laptop and was able to analyze the current situation on his laptop. . Terry was patience by taking the time to explain everything thoroughly. He has is very responsive when ever we need to ask him something. The whole process took about 3 weeks and the process with smooth. Thank you Terry! read more

Let me start off by saying that I take my reviews VERY SERIOUSLY. There are people that I've known for years that have asked me to write a good review for them, but out of good conscience, I just couldn't do it. I've also been offered money for my reviews. Turned that down, too, by the way. It's just not in me. Why taint something so simple and then feel like a super liar for it? Uh, no thanks. I write my reviews just like I use my reviews -- to either HELP or WARN people about the experiences I've had. Let me start by saying, I got my initial home loan through Bank of America. Typical stressful situation that everyone warned me about. Big mistake. Automated phone calls. Unorganized paperwork. And I literally felt like I was a number and not a person signing away hundreds of thousands of dollars to them. Not the experience I wanted. Maybe a year ago, I was recommended to talk to CHRIS CADIZ at IHL. I did. We did the back and forth e-mail thing. I didn't think what he was offering was any better than my weekly e-mails from the lenders who somehow got my e-mail address, so I moved on and didn't think much of it. A few weeks later, I get a follow-up e-mail from Chris. Mind you, I did not ask for this follow-up e-mail. Chris remembered us from the first e-mail exchange that we had, and he was writing to us to let us know that through comps that he knew about in our area, the market, and how the rates were doing, he thought it would be a good time for us to refi. As I read the e-mail, it sounded too good to be true. Well, let me tell you, it wasn't. This guy knows his business. Before working with Chris, I did my research -- on him, his company, and I even reached out to other loan people that I knew in the industry to see if what he was saying was true. I had one friend tell me, "If he can do that, then that's a great deal." I sat down with multiple people to go over the refi that Chris was proposing and I asked them to break everything -- every number, every term -- down for me. HOW CAN THIS BE A NO COST LOAN? HOW DOES HE MAKE HIS MONEY? Every responding voice said, "Cheryl, if this were my loan, I'd go with him." So we decided to move forward with the refi. The process was simple, straightforward, and I totally felt like I was "safe" the whole time. Every time I felt like something wasn't adding up, Chris was right there to explain what was going on. Now, that's a good feeling. I had a professional going to bat for me to put money back in my pocket. AND I had other professionals -- competing professionals tell me that what Chris was doing was impressive. Our loan funded. It was an exceptional experience... But somewhere between then and now, I got so busy, I didn't have time to write a review for Chris. *************** Fast forward a year. Rates just went down again. I call Chris this time. I ask him what our options are. Chris is straightforward with us. He says what we want isn't impossible but more realistically we should expect this. He sends us a bunch of different options. One sounds acceptable. We move forward. Chris makes the impossible possible. He locks us at the exact moment the rates hit their lowest before they started to rise again. Like I said, this guy KNOWS his business. He knows what he's doing. All in all, Chris has saved us $550 per month since we've started working with him. And over the course of the loan, he will be saving us hundreds of thousands of dollars. Thank you, CHRIS. Like I said, I take my reviews VERY SERIOUSLY. And I CAN HIGHLY, HIGHLY RECOMMEND CHRIS CADIZ to all of you. read more

Michael Davis with IHL Direct helped me refi my condo. Got a very low rate and his communication was fast. He made it so easy. From start to finish was less then 30 days. I highly recommend him. read more

Like a previous reviewer, I found IHL through Google and decided to get a refinance quote because of their BBB rating. I was skeptical at first - the rates Todd Olsen gave me sounded too good to be true, their Trustlink.org reviews seemed fishy (96 positive reviews, all by users with 1 review each) albeit consistently personal, and they wanted to do everything online/on the phone instead of in person (except notarizing the escrow docs). But I figured I had little to lose since I could get a quote and get my rate locked in without paying any fees or committing to follow through. They use JMAC Lending, which has some pretty bad Yelp reviews. But most of the complaints against JMAC seem to be that they ask for "unnecessary" documentation, which I didn't find to be the case. Yeah they're thorough in documenting every funding source, but that's the new normal thanks to the housing crisis, folks. I imagine their degree of user friendliness is dependent on the borrower's assets and creditworthiness, which sucks if your credit isn't perfect but makes sense from a business standpoint. They're probably able to offer such low rates because their standards are so high. Anyway, here's a summary of why I recommend Todd Olsen and IHL Direct: 1) Todd was incredibly responsive and patient with me as I flipped out over the fluctuations in the market. In the end, he locked us in at the low rate he originally quoted us, hours before rates skyrocketed. Smooth! 2) When our appraisal came in lower than expected, he asked us how we wanted to proceed. At no point did he try to pressure us to go through with the loan - and mind you I wasted a LOT of his time pestering him with questions. 3) His Good Faith Estimate was spot on. There were no surprises at closing. I really couldn't have asked for a better refinance experience, all thanks to Todd's professionalism and honesty, and the thoroughness of the loan officers at IHL. I'm recommending him to all my friends! read more

Where do I begin? Chris has helped me out tremendously with my loan in purchasing my first home. He was easy to get ahold of and really straight forward. You can contact him via email, text or phone call. Honestly, my loan was rather complex for a multitude of reasons, but he managed to help me through it with easy steps. If anyone is in search of a home, Chris is the perfect gentleman to assist with that. read more

I have worked with Chris Cadiz and his team on numerous loans and it is always smooth sailing! I often recommend clients to him and I practice what I preach, because he also handles all of my personal mortgages as well. I have come across many lenders, yet the rates and terms that IHL provides are very strong. They can customize your loan terms according to your financial situation, and still remain competitive with their rates. I really love the straight forward no nonsense approach that Chris Cadiz offers to me, and I highly recommend his services. read more

This was my first home purchase and Terry helped me out with a VA loan. He was very responsive and present throughout the whole process. I appreciated his professionalism, courteousness, knowledge about the VA application and all other loan products. The most impressive thing is how prompt he is when it comes to responding to all my questions. Now I'm a proud owner of my first home. I would highly recommend Terry to anyone. read more

Just completed a VA IRRRL with Stanley Wu, he is the best. This company never fails to take care of their customers and make sure we are taken care of every step of the process. This is my second time working with Stanley and every time he never ceases to amaze I would recommend Stanley and IHL to anyone looking for mortgage assistance. read more

I was a mortgage lenders dream...didn't ask questions and asked for any changes. But when my husband and I decided to refinance our house, we were referred to talk to Chris Cadiz at IHL. And I'm so glad I did. Chris is definitely deserves 5 stars. Chris explained every detail and made us finally feel comfortable with the process. After our initial meeting with him, we felt confident enough to start the process. We knew he was trustworthy and that we were in good hands. Chris was direct and straight-forward but always with a friendly and helpful attitude. He always made us feel at ease and we knew that "no question was a dumb question". He went above and beyond, and I can tell that he puts his clients first. Chris is genuine and reliable. I have every confidence that even though the loan has gone through, Chris will continue to look out for us. If you are looking for a loan advisor, I would highly recommend Chris Cadiz. If you are still unsure, give him a call and see for yourself. You won't be disappointed. read more

I just purchased my first home and Chris Cadiz made it easy. From the beginning he was informative, proactive, RESPONSIVE, and best of all trustworthy. He was always quick to answer my many many questions and was patient and positive despite my many newbie concerns. With his help I was able to complete the loan process from application to underwriting approved in less than 3 weeks! Amazing! P.S. They got me a great interest rate too. I work in a demanding industry and can attest to how Chris and IHL stand out for stellar customer service and true professionalism from beginning to end. Go with Chris, and rest assured you'll be in good hands. Thank you Chris Cadiz and IHL for being one of the good guys. read more

I was very pleased with the service I received from Megan Chan on my loan application at IHL Direct.  The company's website states, "Our mission is to serve our customers with honesty, integrity and competence."  Many companies make statements and claims such as this, but on my loan application, Megan proved herself worthy of those ideals.  The process of applying for and obtaining a mortgage can be confusing, but Megan patiently answered all my questions along the way, making an opaque process more transparent. She derives satisfaction from helping her clients save money, and goes out of her way to find the lowest interest rate and maximum credit for her client.  She also goes above and beyond what is expected, working late and on weekends to expedite the processing of your application.  During my application, she discovered an alternate option which would save me significantly more money than my original quote, and she patiently helped me through that process even though it was a lot of extra work (and no additional benefit) for her.  She truly puts her clients' interests first, matching their specific situation with the best possible solution. I have dealt with a few other loan advisors previously, ranging from very bad to good.  But Megan is the best of any I have interacted with.  From the initial call, Megan struck me as genuine and trustworthy.  I am glad that my interactions with her throughout this process confirmed that first impression.  If I ever have a need for another loan, I would seek her directly, with the confidence that no other loan advisor would be able to get me a better rate or provide me better service.  I would highly recommend her for anyone in need of a home loan. read more

Michael Davis is our go to guy for our loan needs. Very helpful and efficient. He is always available and willing and able to help in any way he can. read more

Review to come..... Stanley is the absolute best when comes to getting things done on time and sufficient. He does not play games and is straight forward to how it is. He haves us our fees right up front and was able to close our house with a loan before we left for vacation. I would use Stanley over and over again. Thank you very much for everything and our first home!! read more

It wasn't a totally perfect experience, but I'm giving 5 stars because of all the money we are saving! I found IHL via Google. I decided to take a chance because it is rated A by BBB. We got in touch with Todd Olsen, who said he could get us a low fee loan at the rate we were targeting. There was a minor mistake on our part and our complete forms with sigs were sent after the close of the business day... but the next day we could magically get NO fees instead of lower fees! Todd locked it on the spot and called us. I was glad that we could do almost all the business online, via phone, and via scans. We did have to do the final signing in person, but they sent a notary over to our house at a relatively convenient time and we were done within 45 minutes. We got the appraisal done and loan funded - refi complete in about a month, and this was over the holidays. Todd answered all our questions in a timely manner via phone, text, and e-mail. The imperfect parts of the experience were: 1) Todd did not always remember to reply all and cc both spouses, and 2) (perhaps) because of that there was a mildly stressful scheduling snafu that ended up being cleared up (I DID have to skip the gym that day, but that's okay to save so much money! LOL.); and 3) we did have a few unanticipated expenses that were NOT the fault of IHL, and that we would have liked to know going in (like we had to pay our property taxes two months early because of the bank's schedule). These are fairly minor complaints considering he saved us a couple thousand in fees by locking us in as soon as he saw the great deal, and a couple hundred per month by locking us in at a low rate. Timing is everything in refi: a deal can change hour to hour, so having our agent lock that (with no cost to us if we later decided it wasn't what we wanted) was crucial. I recommended Todd to my dad, who has been talking to other brokers for months and getting much worse offers than what he ended up with with IHL. I understand - I called our original broker and several banks and no one came close to matching the offer IHL gave us. The nearest offer was $3K higher fees at the same rate, and our bank said we could only refi at a rate 0.25% higher than what IHL offered us PLUS $5K in fees. On a NorCal loan, 0.25% is a college fund. We saved a lot of money. read more

My wife and I recently refinanced to a VA loan with IHL and Dan Soto was a godsend the best loan officer I have ever had. He explained everything and helped us over a few hurdles. To all you Vets out there use IHL and Dan Soto. read more

I recently refinanced my condo with Chris Cadiz from IHL Direct (referral from a co-worker). It was probably one of the most stress-free experiences I've ever had. In a nutshell, he did all the work, got me a lower interest rate, covered all the closing costs, recommended homeowners insurance, and even sent a notary to my house. I basically just signed new paperwork and saved hundreds per year (thousands over the span of the loan). Again, no out-of-pocket cost to me and Chris handled everything with the highest professionalism and responsiveness. I'd highly recommend Chris... hands down the best. Keep up the great work. read more

Yeah just finished my Refinancing today!! Infinity Home Loans was recommended by my sister who had used Michael Davis for her Refi, he did an amazing job for me as well!! Thanks to Michael I will be saving some cold hard cash each month! Timing is everything and I know Michael knows his stuff!! I would recommend him to anyone especially my family!! Thank you Infinity home loans & Michael Davis. read more

We recently bought our first home with the help of Chris Cadiz and we could not have been happier. He was helpful since day one. He understood our situation and provided the best guidance possible. We just want to tell Chris how much we appreciate all his hard work, long hours and obstacles he had to jump through to help us make our dreams of becoming home owners a reality. We are very lucky and fortunate to have Chris and his team working with us during this whole process and we could not have asked for a better team to work on our behalf. Additionaly, we just refinanced with Chris and we got a great rate, paid zero out of pocket, and the process was very very quick. We honestly had no idea what we were doing but Chris walked us through the whole process explaining everything and making it extremely clear what we were doing. He did a good job keeping us informed when we had a lots of questions about the process. Chris was recommended to us via good friends and likewise we highly highly recommend Chris to anyone looking to buy, sell, refinance, etc. Thanks Chris. You guys Rock ! read more

I recently did my refi with Chris Cadiz. He's very professional, meticulous and transparent in his work. He explained everything and every single step of the way. During the process he answered all my texts and emails almost immediately. He made the process very easy and painless! Thanks so much Chris Cadiz! You rock! read more

I gave these guys a call based on rates they were offering. I always get three quotes for big things. I worked with Michael Davis on my refi and he was incredibly responsive. He would call just to check in. The rate was great, the service impeccable and everything went through smoothly. I've passes his card to my sister and some friends, something I rarely do. He delivered what he said he would and answered every question I asked. I will come back to Michael in the future. read more

Meggie Chan was my loan officer and she was very professional. I work long hours and sometimes 6 days a week but I can always get a hold of her even in the evenings or weekends. She was really nice and helpful. I feel bad because this was my first refinance and I had a lot of questions but she took the time and answered each and every single question. She made me feel really comfortable throughout the whole process. I highly recommend her to others. read more

Stanley and the team at IHL are nothing short of professional and attentive! We've had 2 refinances with them and our family refinanced with them and the process was smooth and without issues. In addition Stan was great about keeping us aware of pending trends in rates and when to lock in a great rate. He also helped me with advice on improving my credit rating to guarantee a better loan. I give this company an A+! read more

An excellent experence, excellent rate and fees. Save a few thousands dollars (Total cost of refinance) compare to refinancing via my bank. A few comments about my HARP refinance expience with Nathan in IHL. 1. Better rate than my bank. 2. Lower rate than my bank. 3. Excellent and responsive service (return calls after hours and reply to email within the same day). 4. Completed refinance in ~3 weeks (a few delay on my part since I was travelling). 5. A lot of documentation is required, but I like the details. 6. Document requirements were communicated upfront via email, but a few unexpected document requirements came up; additional document requirements for HARP. I will definitely recommend IHL for my friends and contact Nathan again for similar needs. Sunny read more

Todd from Infiniti was extremely helpful and had a wealth of knowledge. Which was a big reason I was able to close out my loan in a timely manner, eventhough I had some difficult situations going in my life. I thank him for his dedication to see me through the whole process. I would recommend him to anyone looking to get a loan. Both my father and brother have used Todd to close loans for their own homes. Thanks Again!! Jamey M. read more

Don't even think about going anywhere else. Anyone shopping for a home loan can tell you what an incredible pain in the butt it is, especially if you don't know what you're doing. I've been through this process with several different companies through several different times and here's the bottom line: FIND. SOMEONE. YOU. CAN. TRUST! Due to the fact that the rates change on a daily basis and that different banks require a plethora of different documentations, there's no way to know for sure if what you're getting is really the best rate or not. They can promise you one thing and change their mind and blame the market the next day, and this can either be totally legit or a total scam. How can you know?? Meggie Chan helped me out with my refinance this time around, and let me tell you that she went above and beyond every step of the way. She followed through every annoying question I had and was responsive at all times of the day, of every day of the week. She found me THE best quoted rate among the companies I shopped through, and not only did she continue to watch the market everyday for me, she managed to lock it at an even lower rate. There was apparently a county problem with regards to my property holding up my refinance - she went out of her way to contact the county and got it expedited. No way she had to do that, but she just did. She also closed my loan a whole week faster than expected. Seriously, I can go on and on. Make sure you ask for her - you seriously won't find anyone else that is more transparent, more hard-working, and more trust-worthy. read more

I worked with Meggie Chan on 2 of my refinances. She's very hard working, positive, helpful and most importantly caring and customer service oriented. She enjoys helping others and very patient throughout the long process. I would highly recommend her to anyone out there looking for great service. Very responsible and will always try to do the right thing and will be transparent and informative. She's now my go to person for home loans...I hope your company will soon service Texas, as I will be purchasing a property in the near future. :) Thanks Stanley for recognizing and hiring a great person to be part of your team, it speaks to your dedication on customer service and good leadership is always a good foundation for a great company! read more

What can I say about Meggie? Amazing, efficient and kind. She made everything so easy and we got 2 properties refinanced and closed in record time. You have to do your part and get her the paperwork she needs and if you do that then it's smooth sailing. I would work with her again in a second. read more

20 Days from first contact to signing closing documents! I first emailed IHL about a cash out refinance on May 25 and received a response from Barry Miller within the hour. I had already spoken to another company but after speaking with Barry I went with IHL. Better off than my credit union also. IHL's offer from Barry was identical to the first off I received from another Broker but having done this several times over the last 25 years I could tell Barry was more straightforward about the process and honest about the time period. He told me 30-40 days for closing not knowing anything about my financial status. He said it would depend on my qualifications and how quick I respond to his requests for information. I also read all the reviews for IHL and most importantly, they have a local office...it's not an internet company. Barry even suggested I come to the office and meet the owner if I had any concerns. So the process began on the 26th and I kept my end of the bargain over the next couple weeks by getting the needed docs to Barry by the end of day that he asked for them. I signed the closing docs on June 14 and had a check in hand five days later. 20 days to close and the rate I was first quoted was the rate I got with no closing costs! Keep in mind every customer is different... it helps to have a clean package and all your paperwork in order prior, but IHL definitely held their end of the deal and I never had any problems with contacting Barry and he kept me updated throughout the process. Thank you Barry and IHL read more

After spending (and wasting) two months trying to refinance my home I finally gave up on Infinity Home Loans. Johnny Cramer was less than straight forward, he changed facts and figures at every turn. I do not recommend this company! read more

Go IHL and ask for Anthony! I am a teacher and my husband is a surgery resident, which comes some hearty student loans. Other companies, who shall remain nameless, wanted to nail us with high percentage rates and lengthy, painful process. IHL found a way to work with us while giving us a fabulous loan package and comparatively painless process. Anthony Ricks was straight forward, easy to contact, and very efficient. Our loan closed in less than a month! We will be recommending IHL to all our doctor and teacher friends for sure! read more

Once again, Chris Cadiz has gone above and beyond for me and my family. As my realtor, he was able to get my condo sold in less than 2 weeks! My neighbors had their condos listed for at least 30 days before mine, but they were still without buyers even after I closed escrow. read more

You'll give them 5 stars too if you work with Michael Davis. I have refinanced many times but never with someone as professional and service oriented as Michael. He was consistently patient, informative with great follow through. I got a terrific rate and closing; and he was completely engaged throughout the entire process. Always easy to get a hold of and very quick to respond. I would encourage anyone to use his services. You won't find better. read more

I recently sold my house and everything was taken care of by Christopher Cadiz. It was quick and stress free. He took care of all the paperwork and transactions and I couldn't have asked for a better person to take care of me. Chris is smart and good at what he does. He is very personable and friendly. read more

There is people in the world who have pride and passion about their work. Chris Cadiz is one of them. He is an honest man who we have not met in person yet, but who has helped us to buy three investment properties in the LA metropolitan area in the last two years. He helped us understand financial data and make the best decisions based on the equity of our home and our current income. He even helped us set goals and time frames for these purchases. He also helped us to refinance two previously purchased properties with excellent terms. Chris is totally on the ball all of the time. He explains things clearly and helps us with the paperwork. He acknowledges that he works with a great team, it is hard to find a humble man in L.A. Chris and his team were able to spot previous shoddy work done in the paperwork of one of our properties. He helped us avoid headaches. Chris is the best and we definitely recommend his services. BTW English is our second language and we arrived in the US 12 years ago, we do not have relatives, therefore finding a person we can trust is very difficult. read more

I just completed a refi for my home. I worked with Meggie Chan. Although the process took quite a while with many documents flying back and forth; Meggie was instrumental in keeping things moving and driving the refi to closure. I highly recommend her and he company. read more