I'd like to take a moment to commend Alfred L. Smith for his exceptional service and support with the refinance of my home. I like to get an honest, fair deal... actually the BEST. "Best deal" to me means not only the rates and fees but also the service I receive. I desire that those with whom I work deliver exceptional follow thru and follow up. Al has been very helpful to me in the refinance of my mortgage. Intelliloan was the FIRST lender to respond to my online inquiry for refinance options. But I kept getting flooded with calls from others and so I began working with another lender who was unable to deliver what was promised. Additionally, "the others'" GFE included unnecessary fees which were "glossed over" during our initial discussion. The initial appraisal (with "the others") did not provide the anticipated results. Subsequently, "the others" (in order to save the sale) increased the rate while not fully meeting my needs. So began the quest for a better choice to meet my financial requirements. As I continued "shopping" for a loan, Alfred Smith ("Al) happened to be the one to follow up with me from my initial contact with Intelliloan. Al not only offered me a "meet or beat" deal (better than "the others") with Intelliloan, plus provided great potential future options at no charge to me. Al has done a fantastic job with "Saving the Sale" and earning an appreciative customer! Al has exceeded my expectations. Not only did he respond with a better offer, he called when he said he would and was always exceptionally timely, friendly, and gained my trust. I was exceptionally anxious & concerned about having a second costly appraisal performed (due to cost and the "unknown" and justification of such). He helped me get through that apprehensiveness and coached me on many aspects of the potential results. Al essentially "held my hand" (proverbially speaking) throughout the entire process and helped allay my concerns. He listened to my needs, fed me back his understanding of what I needed (with his exceptional communication skills) and helped guide me through the entire process. Al has remained positive, proactive and available for my questions at all times and has consistently remained polite, courteous, hopeful, positive and encouraging. Talk about a WINNER! Al's the man! Al "seals the deal" when it comes to his superior support and service. I'm thankful and impressed! Al is a valuable asset to your organization. He's a great guy! To Al, "Word is Bond" is not just a cliché ... but a way of life demonstrating his commitment to excellence! Al's service levels are unsurpassed by any other and he has far exceeded my expectations. The pricing was competitive and actually beat other offers. And working with Al offers all the convenience of being one call away! It has been a true pleasure working with Al! Intelliloan can be proud of the service you offer by having Al on their Team. Anyone looking to obtain mortgage financing should seek to work with Al, because he's truly the BEST. Customer Service, knowledge, empathy and the ability to listen, understand and communicate well are gifts/skills not offered by many these days. I so greatly appreciate the kindness and the service I have received. I will definitely refer others with whom I come in contact in need of mortgage services. I extend a heartfelt "Thank You" to Al Smith and Intelliloan! -Wendy read more

Great service, and fast, too! I was delighted with the service provided by Mortgage Specialist Michael Tang (mtang@intelliloan.com). I expected my situation to be a challenge: I had several months before attempted a re-fi with another provider; in that case it went on for about 3 months as they kept asking for more and more documentation, sometimes with some new participant in the process asking for things I'd already documented to someone else, and the fees were steep, too. It went so poorly and was looking like it was going to be so expensive that I had to call it off. a couple months later I got a mail solicitation from Intelliloan promising great rates, like all the mail solicitations do. But I figured maybe I'd just give them a call to assure myself that it really wasn't a possibility. I explained my situation to Mike, thinking it would probably make things difficult. My previous attempt was done just before I left my employer of 19 years to start my own business. I figured I'd better lock in a re-fi before I lost the employment status, but as I've said that foundered. So with Mike, I was in the position of having just begun a new business, with only 2 paychecks issued to myself to date. My wife is a 1099 self-employed salesperson, with 3 years at her employer. Our house is not under water, but our loan to value ratio is quite high. When Mike first ran the numbers, there wasn't an obvious solution, and he was straightforward about it. I was focused on a 30 year fixed loan, and the only possibility that could save me any was a 5 year ARM, so I figured I had hit another dead end. No big hard sell from Mike, which I was frankly a bit surprised by from a re-fi company, but we agreed that if he saw other possibilities he'd let me know. A few weeks later, the Federal Reserve took some actions that pushed mortgage rates even lower, and Mike gave me a call to let me know that a 30 year FHA streamline at 3.5% was now do-able. That was frankly even lower than I'd thought I could get, so I jumped at it and followed through with Mike and the "Green Team" to do all the documentation. It all went great, and I'm looking at several hundred dollars saving per month now when my new loan kicks in at the end of the month. I've enthusiastically recommended Mike to my friends, and figured I'd do him a good turn and recommend him here as well, since I really was genuinely surprised and pleased with the experience and the result. - Patrick O'Connor, Los Angeles, CA read more

This could not have been easier. I have owned my home for a few years now, and I have put off refinancing because it was such a hassle to get the loan in the first place. Not this time however. I heard a radio ad with the President of the company stating they had a new way of doing things (I usually ignore these types of ads, as they usually what is advertised is not available) so I thought I would give it a try. On my first call all of my question were answered, and they quoted me a really low rate. I said I would think about it and shop a little, and the representative suggest I should, and he sent me a short list of items he needed should I decided to move forward. That was refreshing, no high pressure sale. I made a couple of calls to the tarp bailed out banks and found that my tax dollars had gone to banks that were much less competitive then Intelliloan. When I called back the next day to tell them I was ready to proceed, my mortgage specialist voluntarily informed me that rates had dropped and I was eligible an even lower rate than I was quoted the day before. I decided to move forward. I was given a target closing date of 3 weeks, which I thought was not possible, and then Intelliloan surprised me by closing 4 days ahead of schedule. I got the exact rate I was promised, but the fees were $28 less than I was originally quoted. This was a great experience, but what I was most impressed about is when it came time to close, I had a question and the Notary was not able to answer it, so we called the company, and I actually spoke to the President, Darryl C Preedge himself. He explained that since it was after hours (9:30pm) that everyone was off and he was at home covering calls that night. He quickly answered my question, and was very interested in my experience with the company. I told him it was great and I would recommend Intelliloan to anyone. If you need a home loan for a refi or purchase, call these folks, they get it done, treat you fair, and give you a great deal to boot. Bravo, Intelliloan read more

I have recently completed a cash-out refinance with Intelliloan of Costa Mesa. I started with multiple lenders in an effort to get the best rate. I had some issues with two other companies which included a lack of honesty with the rate being locked, lack of communication and transparency and one of the companies being absorbed by a new company. I was referred to Intelliloan by a co-worker who had similar issues with the companies I'd originally started with. I contacted Intelliloan and needless to say they were straight forward, honest, and transparent. The entire team was very professional (Sarah, Adam, Cassandra and Ella). Whether someone played a huge role or small role with email updates or phone calls it made the process GREAT! I want to say I started my process around 020221 and signed my docs and closed 030121 and funded 030521. The process was quick, easy and very smooth. This has enabled me to lower my monthly debt, and complete my home upgrades. If you have ever bought a fixer upper you know how amazing this is! I will make this my dream home and come home daily and not worry about fixing or doing anything! I owe it all to INTELLILOAN! Give them a try - you won't be disappointed. Oh,,, almost forgot my rates were great too... lower than that of the other companies. read more

I heard an ad on the radio announcing refis as low as 3.25%. I was sceptical because I've tried to consolidate once before with my banking institution, and they said my loan to value was to high. In other words , no they could not assist me. I called and reach Kemo Smith at Intelliloan. We talked at length, and was able to resolve my request of consolidating a first, and a line of equity loan into 1 lower interest new loan. I went from 5.25%, on my primary, and from 5.50% on the LOE to 3.625%. That saved us a substantial amount of interest we were paying out to two different institutions. We were able to save $1300.00 a month by working with Intelliloan. It was all done by e-mails, and phone calls, and very little mailings, which they picked up the cost for. It took less than 45 days, even through the holidays. My wife and I are so pleased, we are able to save $1300.00 a month, in fact we are going to use that money to paydown on the principal, which will save us even more $$$. I must say that it was hassle free, very simple, and they even travelled to our home to close the final docs. Thank You Kemo Smith, Von Duong, Calvin Nguyen, and Mellissa. These folks are true professionals, no gimmicks, and even return your phone calls. Regards Maurice Groux read more

I saw their ad on TV and called for information on a refinance. I spoke with a very polite and knowledgeable loan rep. When I first called I was initially skeptical that I would not get their advertised low rate at no costs that was lower than my bank and other lenders, however, after providing some preliminary information over the phone on my transaction I was told I was eligible for the advertised low rate @ no cost. The loan representative introduced me to his team and I was guided through the process professionally. I was provided a list of the detailed information that was needed and a timeline for the loan closing. The actual process was very modern and straightforward. I uploaded my information onto a secure on-line portal. I was able to track as the information was received and confirmed. The transaction was done entirely on-line via Docusign with the exception of signing the closing documents which happened in person with a notary. The loan closed within 30 days - on time, at the agreed upon rate and at no cost. I have refinanced a couple of times before and this was the most straightforward, honest and easy process to undertake. Not too mention cost free. I highly recommend Intelliloan if your considering a home loan. read more

I recently refinanced my home through IntelliLoan after receiving their mailing with a very low interest rate. Having refinanced twice with Quicken in the past 3 years (which also was the current servicer of my loan), I initially approached Quicken to see whether they could match the interest rate. They could not and tried to discourage me from moving forward, citing all kinds of "scams". Quite frankly, I was a bit concerned - as the rate seemed almost "too good to be true". I ultimately decided to proceed and am glad I did. The entire refinance process was incredibly easy and efficient - every bit as easy as my prior experiences with Quicken. The person assisting me, Michael Tang, was incredibly responsive, addressing all my concerns and answering all e-mails very quickly. I was very, very impressed. He did everything he could to make the refinancing process as stress free as possible. The IntelliLoan agent, Michael Tang, and his crew were just superb. His willingness to answer all of my concerns and provide timely information about the status of my application was very reassuring. He was extremely professional. The people working with him were also very responsive. read more

I was extremely satisfied with my refinance performed through Intelliloan, as they were the only company out of 8 major financiers that would take on my request of a VA loan. The professional and personal service provided by Julia Restrepo and Daniella Lamarque was exceptional. The BEST element of the transaction was that Julia was able to fight for me and find me an underwriter to accept my challenging financial circumstances and offer me a market competitive loan. She thought I was worth the risk and I intend on proving her right - everyone wins. The communication and real-time feedback provide by Julia and Daniella was essential and calming during some white-knuckle moments during the process. The only opportunity I found is I would ask for a little deeper explanation on the "funding" process and timing following the closing of the loan. My expectation following my loan closing and funding was that my bank account would be credited. My money landed 7 business days following the funding, but now understand the entire process and can set expectations for any future transactions. Thanks again. read more

I refinance my loan with Daniel from Intelliloan. The process was smooth and was online which I preferred. I got my loan refinanced in 2 to 3 weeks. Being online made it much easier then my last refinance with another company where I had to come in during my lunch hour. If you are busy it is worth it.bThe electronic signatures are much better. I spent 4 months contacting and researching companies. The most important thing for me was a low rate and decent reviews for a company. I believe the rate is close to the best I could get. I got 2% with about a 2.38% APR at the week of July. APR is what I looked at. I had a competitor who tried to do better or match by going to his VP. He could not and told me I got a great rate and should take it. I saw few companies that offered lower rates a few weeks after I refinanced (2.1 APR with one and 1.875% with another), but I am not sure if they are actually rates since one of my coworkers contacted them and decided to go with Intelliloan in August. I would recommend anyone who is refinance to do it before December before Fannie Mae adds an extra 0.5% to your rate. read more

Inteligent Lending, Exceptional Service I was glad I choose Inteliloan amongst the so many lenders out there and offers I kept getting-actually piles on my desk. Holly Darsch at Intelliloan was always very good about explaining the complete process so that I could understand the process and know exactly what to expect. Holly continued to demonstrate a caring attitude and responsiveness throught the the loan process ....and came through with an exceptional loan value with the "extra mile service". I called my bank first to give them a first look- they are a household name bank, the top banks and when I told them what Intelliloan offered me- they couldn't beat it!!!! Clearly, Intelliloan was a great choice and in fact the best choice out there. They are a broker and find the right loan for the individual. I've done a re-finance before and I can tell you that from start to finish Intelliloan does it right, they do it quick, and they do it for the best rate in the market place. I'm glad I picked Intelliloan and Holly Darsch to get it done. THEY ARE GREAT. read more

Larry Honn was the person who helped me refinance my loan. Overall it was great experience to work with Larry - he made me understand all the aspects of refinancing over phone and email, he made sure to answer all my queries and also provide detailed explanation for any question with respect to GFE. He even compared the GFE with other company's GFE that I was offered to prove that intelliloan is the cheapest and best. He made sure I got the lowest rate (with very low closing cost) which helped me reduce my monthly payments by 225$ :). The whole process was so quick (right from obtaining GFE, signing edocs followed my signing paperwork by notary) that it took less than a month to complete the refinancing, which is very fast when compared to other companies taking nearly 2 months. Larry is very professional, honest and knowledgeable. I highly recommend Intelliloan and Larry Honn for your financing requirements. His email id is lhonn@intelliloan.com and direct extension is 820. Thank you Larry for all the support you provided. Best Vinod T read more

We refinanced with them last month. Both representatives we worked with were professional and understanding. We have refinanced a couple of times before but this experience was by far the best. Everything was handled online as far as submitting your documents. The representatives were very responsive to our questions. The fact that there were no points or fees was definitely a plus. We had locked in at a higher rate and few days before we were to sign the rates dropped! Omar (from Intelliloan) did not hesitate about giving us the lower rate - even though he had to redo the documents. The company arranged for a Notary to come to our house to sign the documents which was very convenient. Additionally, we have the comfort of knowing that if the rates drop within the next three years, Intelliloan gives their customers the option to adjust the rate one time at no cost. I would definitely recommend them if you are in the market to re-finance or get a mortgage. read more

After I applied for information online about a mortgage; Casey Mykel Finan, Loan Officer with Metropolitan Home Mortgage, dba Intelliloan, was the first phone contact I received. Casey was polite, professional and very interested in helping us get a mortgage. We had been turned down 3 times over the past 3 years due to extenuating circumstances, but Casey was confident and encouraging. He said we should try one more time. Our loan was approved in less than a week. During the next 3 weeks we had the pleasure of working with Daniella Lamarque to process the paperwork. Her patience and level of competence was at its best! She was honest, knowledgeable and extremely helpful in resolving any problems we had. Thank you, Intelliloan, for the awesome opportunity to work with these terrific members of your team. Our loan funded in 27 days, in spite of a coast to coast time difference! Pretty remarkable work guys!! Again, thanks and Godspeed! read more

Having done multiple loans in the past with my bank. I had moved to a commercial bank that didn't do home loans. I kept hearing Intelliloan on the radio and figured they must be OK (so many years) My only compliant was that they sent me digital disclosures that seemed "clunky" After this everything went great. The loan closed on the day to the penny they quoted. I am a engineer AND READ EVERYTHING. I believe the rate I got was better than my previous bank offered but with better service. I think they are trying to become a sort of Progressive Insurance of home loans by showing and comparing themselves to the rates from other larger lenders. I would rate 4.5. Not a 4 but not a 5. Yelp doesn't let you do 4.5. Make the disclosures easier to understand (not so many pages) and I raise to a 5. I think the large packet of disclosures are now required by law so not really their fault but figured I would mention. Beyond this very EZ read more

I've refinanced mortgages many times over the years and can honestly say that this was the most flawless and painless experience to date. We worked with Morgan who was extremely pleasant to work with, straightforward and clear. She responded to questions promptly and moved the process along very efficiently. The online portal is easy to work with and all documents are easily uploaded. In addition, Intelliloan was extremely competitive and I ended up with an amazing 15 year fixed rate, after doing some considerable shopping around. Oh and with zero closing costs. Zero! I'm always a little skeptical when mortgage companies advertise zero closing costs. But in this case I can vouch that it's true. This company is very transparent and clear about both their rates and closing costs, which unfortunately isn't always the case in the industry. I without a doubt wholeheartedly recommend Intelliloan to anyone looking for a home loan. read more

Because I have bought and refinanced houses quite a few times, I know the amount of paperwork that is expected, which can perhaps be intimidating to some people. Intelliloan made it easy by letting me send all the documentation they requested electronically, i.e. pictures of documents I took with my mobile phone or downloaded PDFs from websites that provided them. From my perspective, the amount of documentation requested was not excessive. They also worked with me on resolving a rather sticky item on my side during the whole process. Throughout the whole deal, they were very responsive by e-mail and phone, at any time of the day. Finally, Intelliloan beat the rates quoted by all other lenders I tried, including all local credit unions, by a good margin. Given all that, I was surprised to read some of these other negative reviews on here, because compared to any other refinancing experience I had, this was among the best. read more

We had a truly awesome experience with Intelliloan. After going through the entire process with another company and already paying for an appraisal, we spoke to the people at Intelliloan after we got a referral and not feeling so great about all the fees being charged by the other company... In less than 3 weeks we were closed on our loan and funded with money in hand for the cash out refi we did. Amazing!!!! Not only did we get more money back, it was a lower rate than other company and the closing process was super easy (And less fees at closing too!) The whole team was super on top of everything, always followed up and we received phone calls right away if there were ever any missing paperwork or anything needed so we could close fast like we wanted to! Couldn't be happier and SO glad we risked doing another appraisal to go with Intelliloan. Saved us thousands in the end!! Highly recommend! read more

I wrote a review about my experience with Inteliloan which was less than flattering and it got removed after they petitioned the review (truth hurts business when its less than flattering I suppose). I firmly believe the removal from Yelp which was a real disservice to those who could have benefitted from the information. However . . . I thought I put the painful experience behind me when my home FINALLY got refinanced after a long and PAINFUL process. But surprise, surprise, over a year later they I keep finding hard inquiries on my credit score bringing my FICO score down as if I keep trying to qualify for a new home loan (which I'm not); but that doesn't stop all the junk mail from Inteliloan telling me rates are low and I should refinance again. If your anything like me, you'll regret the decision during, and after the business relationship has run its course. Don't walk, RUN AWAY! read more