Well he has done it again. I have been doing business with Paul for several years. About 8 transactions so far. Found him online and since then he has been my to go to guy. Why? Straightforward. Does not beat around the bush. Great communication. He follow through with what he states. No switcheroo whatsoever. Responds within minutes. You can be Straightforward with him and he will bebhonest with you. No hidden fees or surprises. Everything ia done online except of course the final loan document signing. In a few words; If you are like me and do not like to procrastinate, have high expectations, and are on top of your game then Paul is your guy. I was in the real state industry many years ago and because of that I have knowledge of the process thus my expectations are really high. Paul never disappoints. There is really nothing bad I can say about him. I guess I if really had to say something it would be stop getting me accustomed to getting responses from you within minutes. You are disrupting my sense of reality and now I expect excellent customer service from the whole customer service industry. Now in days I find my self muttering under my breath, "I wish I was dealing with Paul Campos," every time I have an interaction in the service industry. Thank you Paul! read more

Are you just coming across Paul for the first time ? Then I would say you are in amazing hands. Paul is straight forward and shows you everything up front so you know what you are looking at. This is the 3rd I think time I have used Paul we were able to close in two weeks ! That is a turn around you just don't see. When gathering documents and any items needed to purchase a house he is on it to make sure you gather everything needed and whatever the underwriting needs. Thank you Paul again I know I'll use you in the future. The Wise Family. read more

Instant Capital - A Kind thank you - Mortgage Lenders Near Me - Anaheim, California

Paul helped us close on our first house in just 2 weeks. His guidance, responsiveness, and attention to detail made a stressful process feel smooth and manageable. We found Paul after submitting a request online for mortgage quotes from several brokers. It was a Sunday night so we didn't expect any responses until Monday morning, but Paul replied immediately to our inquiry. He remained responsive and prompt the entire time we worked with him. When you're making offers on houses and especially when you're looking to close on a home, you want a loan officer who works fast and is readily available like Paul. We actually vetted several other mortgage brokers before finding Paul, but did not feel that they were forthcoming or transparent. When you're looking for someone to help you get the best deal on a loan and potentially save you thousands of dollars, you want to feel that you can trust them to have your financial interests in mind. Paul was honest about rates, costs, and what we qualified for. He guided us on our best options while also never being pushy - all while also helping us get a better rate and lower closing costs than competitors. From the early rate discussions to the final steps of funding, Paul was always on top of everything and made sure we understood what to expect at each stage. We especially appreciated how patient he was with our questions and how proactive he was in helping us meet every deadline. We've been recommending him to friends and family and will happily work with him again when it's time to refinance. read more

Had a great experience working with Paul on a mortgage refinance recently. He has a very efficient system in place, very responsive at all hours, had our best interest in mind, and works quickly. Overall it was a 2-3 week process from us submitting paperwork to the loan being funded. On top of that, Paul was able to get us the most competitive rates. The other companies I had initially reached out to were either not able to offer the rates Paul got us or it came with very high additional costs making it not worthwhile. I will definitely be reaching out to Paul again for any future mortgage needs. read more

Paul Campos was great to work with!! He was very professional and excellent with all the details, and staying on top of everything! He kept everything on track, and well ahead of time Plus, he was able to provide us with a very good interest rate. read more

World Class Experience. Paul at Instant Capital provided a seamless, transparent and top notch professional attention too all of my families needs. Highly recommend Paul and his team!​ read more

If I could give more stars I would. We worked with Paul Campos at instant capital. He helped us every step of the way, he answered every question we had and explained details very clearly and thoroughly. I'm not kidding when I say his average response time is less than a minute, day or night. He's basically the Michael Jordan of mortgage lending. There's a reason he received nothing but 5 star reviews. read more

Paul was extremely helpful and knowledgeable, he walked me through the process very efficiently and explained every step of the process.

Excellent experience - re-financed my house with minimal effort. Paul Campos is very honest, knowledgeable and professional. Most importantly, I trust that he looked out for my best interest. I would highly recommend Paul to anyone. Frank C. 909.265.3352 read more

Paul Campos is phenomenal! He helped my out-of-town home buyer client close on an investment property incredibly fast and smoothly. Everyone at title was shocked at how quickly he got the deal done. As the buyer's agent, I was extremely impressed by his efficiency and professionalism. Highly recommend! read more

I have used the services of Instant Capital for my last home purchase and most recently for my home refi. The process was incredible with their online tracking tool. I was able to get my loan funded in less than 3 weeks and it would have funded quicker had I not had to wait for my home appraisal. My Agent Paul Campos is phenomenal, his customer Service and attention to detail is impeccable. I definitely recommend Instant Capital read more

Instant Capital - Mortgage Lenders Near Me - Anaheim, California

Paul Campos is knowledgeable, efficient, has great communication and overall gives an exceptional experience. Thank you again.

Excellent service! Impressive timely correspondence. Smooth closing! Will definitely use again!

Instant Capital and specifically loan officer Paul Campos were great. Paul was very responsive, 99% of the time he answered the phone and when he didn't he sent a quick text advising he would call back. He keep me informed and updated by communicating by text, email and telephone. He was on top of things and worked well with the Title Company, Realtor and Insurance Company. There were no problems whatsoever. We were even able to close 5 days early. I would highly recommend Paul Campos for anybody wanting great service on a loan. read more

The very BEST Paul Campos from Instant Capital Home Loans made Easy!!! From the very start of my contact with Paul things just started to round fast and right. He kept me updated on all matter every step of the way. He responded to all my questions and email right away. I have done refinances in the past that took so long, but with Paul always on the trigger always on the look out for my best interest. Refinancing was like a blink of an eye it was done fast, effortlessly, and painlessly. He is very professional, knowledgeable and an efficient broker. He is a dream to have on your side now that the interest are so low. Thank God for Paul and the people who recommended him to me. I definitely will highly recommend Paul Campos going forward. Thank You Thank You Instant Capital Home Loans For Paul Campos!!! read more

Had Paul Campos completed another loan for me inDecember. Paul offers quality customer service, will keep you informed of the stages of your loan. Paul is quick to respond to inquiries and his customer service and knowledge are second to none. This is My third loan w Paul. I shopped around, each time for Rates etc, only to be bombarded w either forgetful or aggressive sale tactics. Quality still counts. My home is my largest assets, it's a lot to put in one persons hands. Trust brought me back to Paul, Competitive rates and quick closing. Thanks Paul! read more

Paul is extraordinary in his business. I'm so glad worked with him. So professional, organized, persistent, and on time. He will bombard your email inbox with follow-ups and updates. My home loan case was not straightforward and many lenders said No but Paul fix it. I'm 100% sure Paul is one the best in this business and highly recommend him. Thank Paul! You deserve to grow. read more

Paul is a true professional. This was our second refinance with Paul in 5 years. With rates being so low and Paul's incredible follow through we were done in 3 weeks. Almost painless as almost everything is online. We had our son and his wife use Paul at the beginning of the year for their first home loan and it was a great experience for them as well. I have recommended him to neighbors who also had the same 5 star service. How can you say more that what I have said. The most efficient and communicative professional I have ever had the pleasure of working with!! 10 stars!!! read more

If you are looking for a lender that will do what is best for you, Paul is that lender. He thought 5 steps ahead and anticipated our needs. He is very responsive and made sure we understood each step in the process. We are beyond grateful with the rate we received. It is rare to meet someone like Paul that goes above and beyond their job. Paul is incredible. read more

I have worked with Paul Campos and Instant Capital for several years now. He has always taken care of me and made the process super smooth. I recently refinanced my home and in the past we've worked together on some investment properties. Every time the process is simple, efficient, and he goes above and beyond to update me and keep me informed at every step in the process! Thanks Paul! read more

This is my second refinance with Paul. He has always been very straight forward and concise with his communications. He is also very patient and always response very promptly. Which is very rare in this days and age. He also keep you posted on your loan process do it took the stress out from the whole process. He work extremely fast that both of my refinance was under 30 days. My current refinance was funded within 3 1/2 week period (10/26/20 initiated the process and locked in the rate to 11/20/30 loan funded). This is exceptional compare to lots of stories that I read online that it could takes up to 6-9 months in some cases. I highly recommend Paul to any of my family and friends. Contact Paul for your mortgage needs and you will be able to tell that he is best in the business right in the instant. Paul, thank you for another exceptional refinance experience. It was no stress, no guessing, and smooth transaction from beginning to the end. read more

After getting quotes from a different lender, I decided to call Paul based on a referral from a friend. He not only beat their rates, but with lower fees as well. Paul is a professional and came through on two loans for me done concurrently. He was always responsive even on weekends and late at night, as I had a lot of questions through the process. In the end he closed both loans on time as he assured me from the beginning he would, and helped get us into a beautiful new home. Highly recommend. read more

I've used Paul about 4-5 times for my home loan needs over the passed 6-7 years. He is unequivocally the most efficient broker I have come across. His rates are second to none, and working with him has saved me tens of thousands of dollars in interest payments. I'm happy to add another 5 star review to a business that provides 5 star service. Thanks Paul. read more

As a first time buyer Paul Campos made this experience super smooth for me and the rate he got me is unheard of. Thank you Paul.

Paul made the my re-finance easy and seamless. He was patient and answered all my questions and made the process go through with ease. This was my second re-finance with Paul and if it's possible the second time was even easier. Kudos to Paul and his team. read more

Paul was so efficient with my refi in 2016, so when i heard that the rates for 30 year loans were down again, i did not hesitate to call him. It was done so quickly and painlessly, and I always got a quick response. I highly recommend Paul Campos. Thank you! read more

Paul helped me with my original loan when I purchased a house in 2016 and I couldn't be happier with how he worked with me at the time. That said, when I saw the historic low interest rates this year, I didn't hesitate to contact him for refinancing. He is knowledgeable, patient, and extremely responsive. We primarily communicated via emails; what I'm very impressed about is that he responded to all my emails, no matter when they were sent, within 15 minutes. He is meticulously organized and made no errors. He was fast, accurate, and offered me the very low interest rate I was looking for. I can't see how my refinancing process could've been any better. Thank you again for your help, Paul!! read more

This is my second time working with Instant Capital and Paul has continued to exceed my expectations in every way! As always Instant Capital offered the most competitive and amazing rates plus low closing cost. My refi only took approximately 2 weeks from start to finish. Throughout the process, Paul kept me in the loop daily with multiple updates so I always know what to expect next and can be prepared for it. I don't know how Paul does it but I'm amazed at his work ethics and his dedication to his customers. 5-STAR professional and company! And I have recommended his service to multiple friends and colleagues. Don't just take my words for it - reach out to Paul so you can experience it first hand! read more

I wouldn't normally write a review before a transaction is completed, but in this case, I feel I absolutely must. I almost made a catastrophic mistake using another mortgage company. With them, I started process last November and waited TWO MONTHS for an approval. The were young, inexperienced and it seemed like every time I had a question or needed help, they had to call me back so they could ask an adult. Sometimes not call me back at all. They made many mistakes. And the mistakes weren't small. They were huge. I wasn't comfortable with them and I knew I had to learn everything I could as quickly as I could. This will be the single largest purchase I'll be making in my life and the last thing I want to do is make a mistake. Thank Goodness I found PAUL CAMPOS at Instant Capital! I don't know how I got so lucky being that he contacted me after I filled out a random online application that normally would result in spam. Instead I received a call on a Sunday morning (!) and spoke to Paul who was knowledgeable, professional and gave me the fuzzy warm feeling I was looking for. What a relief!! Paul beat the other company's interest rate by a lot AND gave me three different options. I was able to get a pre qualification letter from him in 24 hours...the same letter it took the other company two months to give me. Paul Campos has gone above and WAY beyond what his part is in our home purchase is. He has become a part of my "team." He emails me or calls back no matter what day or time. I'm a bit crazy obsessed with this and 11 pm emails seem to be the norm for him (btw, if you're reading this, Paul...sorry about that). He is helping us right now with a very difficult seller and had currently taken a huge load off of me. He tells me not to worry, he will handle it...and he did! He is following up to find out if they decided and getting information before my realtor is! He is literally fighting for us to get this home!! They are being extremely difficult. Thank goodness he didn't get offended when I used the "F" word in an email while dealing with those people (sellers). He doesn't have to do ANY of this. He knows he has our business no matter what house we buy. I could not recommend him enough. All I could say...simply AMAZING. Thank you so very much. My family and I owe you a debt of gratitude...along with the debt of our new home. :-) UPDATE.... We found -and closed on- a different home. As expected, Paul was nothing short of AMAZING. He had my loan READY TO CLOSE IN 17 DAYS! But because of a few items the seller had to take care of (we asked sellers to install a new air conditioner) it took 21. He even went on vacation somewhere in South America on days 14-20 and I would have never known! He kept in contact, stayed on top of everything and still had us close early. Oh yeah....did I mention we had an interest rate of 3.75 when the national average was above 4??? Paul, you ROCK! I'm just really happy with Instant Capital. And I know you will be too.. read more

Ruben Arellanes is one of the most helpful individual I've come across in the service industries. He worked with me for weeks on a house I was looking to buy. He not only provided excellent service but also gave very sincere advice and guidance, which helped me learn a lot about financing. Unfortunately, the deal didn't go through. However, I'm still in the market to buy a house and will be contacting Ruben at Instant Capital when I find that house. Ruben thanks for all your help and wonderful advice. read more

I just finished at my closing table in Texas an hour ago, and the first thing to cross my mind was not to tell all of my friends and family, but instead to come online and write Paul Campos the glowing review that he deserves. It is the least I can do after all he has done for me. I approached Paul after being strung along by a different lender for almost four months. I am self-employed with an otherwise strong applicant profile, and was very upfront about my situation. With less than a month to closing, the other lender blindsided me with a sudden "reversal" of what I had been led to believe was as solid of an approval as they come. When I contacted Paul, I was back at square one feeling confused, vulnerable, unsure of whether I'd even qualify for a conforming loan, and certain that my original closing date was no longer a reality. Paul did not make any immediate glowing promises. He was very upfront about the process, time, and nuance necessary for him to determine whether he could make my loan work. But, he was also firm that once he got an answer, it would be the final answer; there would be no blindsiding. Paul returned to me with an answer much more quickly than I'd imagined such things were possible, and from there, his word was indeed good as gold. In fact, Paul not only met, but entirely beat every expectation he set with respect to underwriting decisions, paperwork he had to repeatedly issue and reissue, and his role in driving all the mysterious goings on in the 'back room' that is integral to getting a loan approved and funded. One thing I noticed immediately about Paul is that he is PROMPT, thorough, and a man of his word. When I asked him a question, I knew I could count on a timely response that actually answered my question. When he said he would do something, I knew I could count on him following up with a resolution or solution. It was so refreshing to work with someone who did what they said they would do, when they said they would do it. Not once did I have to remind or petition him to move forward. He was actually the one keeping everyone on track and schedule, including my chosen disaster of a title company. In this whole home buying process, Paul was the ONE person I knew I could rely on. Furthermore, with respect to day-to-day dealings in life and business, Paul is perhaps one of THE most responsive, effective, and work ethic-driven professionals I have ever dealt with in any industry. In today's age where communication is cheap and instant, it has also become paradoxically more difficult to have high quality and productive interactions. People like Paul are nearly extinct. The outcome: Paul got me to the closing table FOUR DAYS EARLIER than I'd asked for - on a loan that I started from scratch with him less than a month ago - a loan that took a different lender almost four months to figure out they could not do. As an aside, I'd like to also mention the terms Paul offered me were some of the best I received in the extensive mortgage shopping I did. I highlight this point last because it is now apparent to me that, after a certain point, it is no longer worth stressing over a few hundred dollars in difference from one 'top offer' lender to the next. I learned that the experience and integrity of your loan officer mean EVERYTHING when it comes to getting your loan both actually APPROVED and CLOSED. Without Paul's commitment to getting my loan closed, with his almost superhuman level of followup, the comedy of errors created between my local title company and appraiser could have easily dragged my closing out to the next month. He nipped every hiccup that came his way in the bud! That his loan terms were so good was just the very, very sweet icing on the cake. Finally, I would classify myself as a pretty needy client. Because of how badly the previous lender burned me, I needed constant reassurance at every step, probably annoyingly so. Paul reassured me patiently in a very concise, tell it like it is, manner, even interjecting some humor. The sale price of my home was below the median for the USA, and yet Paul's level of service made me feel like I was his most important client of the year. Thanks Paul for sticking with me and for making my home purchase possible. I am still sitting here in disbelief at what you so professionally accomplished in this short a time frame. I feel extremely lucky to have been your client, and would encourage all to choose Paul Campos of Instant Capital for a loan officer who will go above and beyond to make your home purchase go as smoothly as possible. read more

I am a first time home buyer. After talking with company after company, including all the big ones like Quicken and Discover, and even local lenders, everyone said, 'the loan Instant Home Loans is offering you CANT be done,' they wont close on time, you wont get the right appraisal...blah bloody blah! I am here to prove them wrong! Not only did Ruben Arellanes get me THE BEST deal, with a lower rate then all others, they included Lender Credits that paid for ALL of my closing costs. To top it off, Ruben was the most patient, knowledgeable, responsive and hard working person throughout the entire process! From first phone call to getting my keys! The choice is crystal clear in my mind, go with Ruben Arellanes and Instant Home Loans. I did all my research on every company and loan officer I talked with. When it comes down to it, you, as a home buyer need to feel comfortable with your loan officer. Ruben proved himself to me. I really hope you get the opportunity to speak with this professional. An absolute professional in every way! I know exactly who I will be working with for refinances and future home purchases! I have already referred family members and coworkers for refinance to Ruben. read more

Paul just helped us with our refinance. He was also our broker eight years ago when we first purchased our house. I cannot imagine a more pleasant experience. Paul was incredibly efficient and worked quickly and accurately. His rates and closing costs are unbeatable. read more

Decided to look into refinancing since rates have dropped during COVID. My co-worker recommended Paul, who had just done his refinance. I contacted him a few days later and he was very helpful and very responsive. We were basically able to get the entire process done start to finish in 2 weeks because Paul was so good at responding to emails and giving us the information we needed. read more

I have used Paul Campos several times for home financing. I'm self employed and have complicated tax returns spread out over two separate corps. The loan approvals were not easy but he stuck in there and got them approved. Since then my father had used him twice as has several friends. I'm a landlord with 14 years of real estate expertise and without a doubt Instant Capital and Paul are top notch. read more

I have been watching the rates for the past six months and I heard about Paul Campos from a co worker. I contacted Paul and he promised a rate that I had been hoping for. I forgot about something on my credit report that I took care of years ago, although I forgot to get it recorded. Paul asked about it and had me present it to the notary when I signed. Paul had arranged to have it recorded for me. That was amazing! I have never worked with anyone more professional and straight forward before. I am forever thankful for having had this opportunity to refinance and save so much money. Thank you so much for helping me and my family during theses trying times. read more

Paul Campos with Instant Capital facilitated my home re-finance with expediency and professionalism. I recently lost my husband and so the process could have been very stressful for me. Instead, Paul kindly and quickly assisted me through the entire process. I felt supported and valued as an individual, not just another set of paperwork for him. I highly recommend Paul Campos for anyone seeking personal, productive service. If you're questioning a re-fi because of the possible headache, do not wait! Contact Paul. read more

This is my third loan with Paul. He is the best. He amazes me with his quick response time. He stays on top of the details and makes the process manageable. I recommend him to all of my friends. read more

First a bit about me: I own several properties and have went through the refinance process for all of them a couple of times. I am not new into the world of refinances and loan brokers. With that being said, Paul is the absolute best broker I've had the opportunity to deal with. His response times (at all hours of the day and night and weekends) is usually minutes. His attention to detail, great communication and straight forward approach earn him a seat as my favorite broker. I will work with him in the future and he has earned my trust and business. And of course, his costs and interest rates were as promised, every loan process has hiccups and Paul worked diligently to mitigated any risk associated with those issues. If you have any hesitation working with Paul, I hope this review pushes you to move forward, you will not regret it. read more

I am totally frustrated with the service that I took. I uploaded a lot of documents and right after that they just said that they can't do it. No further explanation, no alternative choice. A total dissatisfaction! read more