This is my first home and my first "ReFi", so even though I'm a pretty competent person, I was very green, cautious, and nervous about it. So I really did my due diligence when looking for a mortgage company to do my refinancing of my home. I had narrowed it down to the company I currently had my mortgage with- and two others (Interactive being one of them) and was Alex ever the right choice!!! Alex Reyes was patient, kind, knowledgeable, experienced, and EXTREMLY  professional. He went above and beyond explaining (and reexplaining) the processes, and all the legalities associated with doing a Refi. Alex made me feel comfortable and confident that I had chosen the right lender (over and over again! Poor guy! LOL) and he streamlined the entire process (making it SO easy for me to get him what they needed) and assisted me time and time again. I never once felt "handed off" to anyone or "just a number" (especially during these times when I know EVERYONE and their dogs are getting refinanced)... instead, I felt as though he was virtually holding my hand through the whole thing and feel sooooo grateful and blessed he was referred to me. I really can't say enough good things about Alex Reyes and Interactive Mortgage. Best part: I was successfully funded in record time. Clearly, I HIGHLY recommend Alex Reyes and Interactive Mortgage to ANYONE requiring funding or refinancing. "Awesome" doesn't come close to the experience I had with them. read more

I think they're out of business: Phone has an introduction, then disconnects. Website goes to an empty domain. Originally it was Winnpointe Dba Interactive mortgage - read more

Thank you! We just got confirmation of our the due date for our first payment for 1-March! Am really happy of getting the chance to refinance to just 2.375% (from a high of 3.5%)... Start-to-end - Dec 21st to Feb 1st... And it was made much better of having a seamless experience with both Tene and Gabrielle. Although there was a single hiccup - they were all prompt and professional. Again, much thanks! read more

I just completed a refinance on both my second home and on my primary residence, claiming a 2.375% rate, 15 year loan on both. Terms were exactly as advertised. I already had great rates on both properties (3.875 and 2.875%) so if it weren't a "NO COST" refinance, I would have had to do the calculations on ROI and "years to break even". I had already initiated the 3.875% loan refinance through COSTCO who gives members a flat low rate, but when I saw this ad and followed up with Thomas Kim to confirm it was legit, I asked the other mortgage company to match the rate and terms and was told that they could not. So, I abandoned that effort and went with Thomas Kim at Interactive. He and Mardell were extremely professional, competent, and transparent at every step. I was able to add my daughter as a co-borrower on the 2nd home. Took some cash out on the primary home to meet the minimum loan amount. Had to get a release from the solar company. Lots of work and THEY did it all promptly and professionally. The application and signing were on the weekends and both were generous with their availability and personal cell phones. Overall, we will save $84K in interest over the two loans. People need to understand that escrow funds are not LOAN COSTS. Those are your taxes and insurance that you have to pay. Also, the loan had to be in a very specific dollar amount and come in at a specific % of the value of the home. Likely, you needed a great credit score as well, which I do. If you hit these targets, you WIN $$$!!! Thomas offered his direct number if you want to get going; I know he will not disappoint. Thomas Kim: direct number, 949-385-8273 read more

Interactive Mortgage - Pay attention to details: loan amount, %value of home. - Mortgage Lenders Near Me - Orange, California

They never answer the phone I called several times it went to an extension and then it just hung up and disconnected l. I finally gave up

Had a phenomenal experience working with Eric Park (loan officer) and Crystal Hale (loan processor) on my recent refinance. To be 100% transparent, I was a bit doubtful the refinance would be truly -zero- cost, as they advertised, but they fulfilled their promise. The only reason I was doubtful is because there are usually some fees that get charged while refinancing. They delivered a truly '$0 closing cost loan' (no fees at all and nothing rolled into my new loan amount.) The other benefit is I got to work with two professionals who are efficient, respond quickly, and most importantly, got the job done with zero friction and within two weeks from start to finish. Couldn't be more happy with my experience with Eric and Crystal at Interactive. read more

Eric is so helpful and he did let me know for better deal of refinance Also processed well any delay Absolutely recommend to my friends read more

Had a wonderful experience refinancing on our home! We received a mailer advertising low rates and it seemed like a good time to refinance with the value of homes skyrocketing the past year. We interviewed a few other companies and interactive was the most competitive offering no fees to close (escrow, appraisal, etc). John Kanpour (loan consultant) and Dominique Nguyen (loan processor) were always available for any questions we had. They even kept us up when documents were ready and their deadlines to achieve the quickest funding we've ever experienced, 15 days! Our rate was 0.75 lower than what we had previously and we got some cash out to improve the house. Closing was very easy, they have digital signing and sent a notary to our home to wrap up the documents. Would recommend them to our friends interested in refinancing or a new loan. read more

I received a mailer saying that Interactive Mortgage could lower my interest rate on my new mortgage. I called to see what they might have to offer. The man who answered the phone asked me for my loan amount, and when I said I didn't know the exact number off of the top of my head but I would get the paperwork out, he said, "You don't know your loan amount?" That was already irritating, but then he asked me how my credit was, and I said it was good. He asked me for my score number. I honestly don't know what it is at the moment because I just bought a house and things have been changing rapidly, when I said I didn't have the exact number, but maybe one of us could look it up, he started telling me that he couldn't help me if I didn't have the numbers for him, and that anywhere I call they're going to need this information in order to give me an accurate rate, etc, like I was stupid. I hung up on him. Of course I know that they will need information about me to move forward with a loan, and there is no reason to talk to me like I'm stupid. I will not be calling back. read more

We locked in a great rate at the end of January 2021 then rates started going up. We proceeded to complete every step afterwards and finally got to signing scheduling two, three days before rate lock expired. However, after they said they would call to schedule date and time, they never followed up again until the rate lock expired. When contacted again, they simply said we could start over with the higher new rate!?!? This was with Ravy Pov. read more

This is my second amazing refinance with Interactive Mortgage. This time I worked with Diane Kim and Kirin Rector who were absolutely wonderful. From start to finish everything was smooth and transparent. The loan closed quickly (much quicker than I was expecting). I have had many home loans and refinances over my life. My experiences with Interactive Mortgage are by far the best for these reasons: amazing rates, no hidden fees or unpleasant surprises and I got to work with extremely competent individuals. Diane and Kirin were kind and professional throughout the entire process and I couldn't be happier with the loan process and end result. Again, this is my second refinance with Interactive Mortgage and I highly recommend them for the reasons above. read more

We worked with Eric Park on our Refi and he was very professional throughout the entire process. He was patient with all our questions and provided clarification on all the documents (very knowledgeable!). The entire process was quick but Eric provided updates on status when requested and even tried to keep things moving. Overall very happy working with Eric and recommend contacting him to start saving money now (see attached). read more

Interactive Mortgage - Mortgage Lenders Near Me - Orange, California

Worked with Alex and LisaAnne on my refinance. They were very professional, transparent and prompt throughout the entire process. One day before signing, Alex was able to get me a lower rate! Would strongly recommend to anyone looking to refinance. read more

Don't go to this mortgage. Adrian Monzon is cheating with customers. I was provided a 2.5% rate for 30 years fixed. After I provided all materials, several weeks later he called me and want to raise uo rate to 2.675%. It's a dishonest company. DONT WASTE YOUR TIME HERE. Especially with Adrian Monzon. read more

I reached out to Interactive Mortgage to refinance my home. I'm a very well qualified borrower with 750+ credit score and good income. I supplied every requested documentation and signed everything with a notary. Then they started making mistake after mistake, delay after delay, then refused to honor the rate even though all the delays were on their end. They said even though I signed the final paper work with a notary, it's not legally binding. The notary that came to my house said that Interactive Mortgage gave her 5 loans that day and I was the only one that signed because the other 4 had problems with it. Buyer beware. read more

I had a really good experience with IM, Thomas was great, very efficient and quick, you could tell he was dealing with a lot of Refi's at the time as the rates were at the bottom. Very happy, cannot believe the $0 closing costs and the rate could not be beat. read more

I tried a refi about 7 months ago with the worst service I have ever had and chalked it off as 1 bad apple at this company. It was the worst service I have ever received, after giving all my info including credit info I got zero response back from the associate after multiple attempts but got all kinds of robo calls saying my ss# had been compromised and I just wanted answers but couldn't get a hold of the guy I shared my info with. I then got hooked up with someone else there and requested to work with them and the service was better but not by much. I understand it was and is likely a very busy time for them but being in sales I have never treated a potential client like this nor have I been treated as such. Our credit is not bad and around 720 mid scores at the time for me and over 800 for my wife, income well over what was needed to qualify with no derog credit nor lien or bad real estate history and Ltv around 70% on our property. I was told to wait till January due to switching jobs early last year yet stayed in the same career. I have spent the last week trying to contact 2 people there to no avail. I just called in asking for 3 people who have been raved about in Yelp reviews and while asking for the 3rd person I was cutoff buy the gentleman and told "I cant help you you have to call back on Monday." It's not what you say, it's the delivery. I specifically have refrained leaving a review in hope's of doing business and salvaging the relationship but after being treated like crap multiple times when quite honestly I could pay the house off today if I wanted to, obviously I would rather keep my money, refi and still have my tax write off's on both our homes. I inquired yesterday over the phone with another lender and have gotten great service so far though I wanted to try 1 last time to shop for my loan to make sure I am getting the most for my money in a loan. I am through with attempting to work with interactive mortgage. I can only hope a few people see this review and learn from my experience and spare themselves an absolute waste of time. At best hopefully they can use this as constructive feedback and grow from me sharing my experience. Don't bother, horrible service and disappointing which in this situation was absolutely unnecessary. I have a pic of the timeline of the initial contact with them from an e mail draft but did not send this because I was not out to bus roll anyone and did not send it when I should have. It just is a refresher of what I had to deal with after my 1st experience with Interactive. I should have followed my gut instinct from the start. Lesson learned. I have blacked out the names as to not get anyone in trouble. read more

Interactive Mortgage - Mortgage Lenders Near Me - Orange, California

This was my first time refinancing, and just closed and funded with IM. Overall, great experience working with Tim Baulch (loan consultant) and Mardell Maskrey (loan processor). Tim gave me a 45 day rate lock, and we funded well ahead of schedule. I went to various companies, and ultimately chose IM. Unlike other companies where I had to really deal to get low cost, IM gave me straight no cost offer. I got a bit nervous due to some negative comments posted here, but IM kept their rate lock commitment, even after rates climbed significantly. They said my file was straightforward with no complications, so maybe that helped with the overall speed of closing. I would definitely recommend both Tim, Mardell and IM to friends and family. read more

Interactive Mortgage DISCRIMINATES against self-employed individuals. I reached out to them to refinance my primary residence and an investment property, but after they found out my income is all business income, they said they can't process my application. It's weird that they don't because other brokers are able to give me quotes knowing that I'm self-employed. I wish I had a better experience with this company, but if you're self-employed, don't bother with them and look elsewhere. read more

With the mortgage rates hitting historic low each week during this covid era, I knew I had to take advantage and refi asap. I contacted Eric Park, a loan consultant who I was referred to many years ago by a close friend of mine. I have had the opportunity to refi with Eric 4 different occasions in the past few years (for my previous home and my current one). I still shop around for best rate, but I always end up going with Eric. Here are some reasons why: (1) He has been able to give me the lowest and current refi rate with little to no closing costs. (2) He patiently answers my questions and will reply my emails/calls almost immediately and/or within a reasonable time. (3) He is professional and knows his stuff. I've learned a lot from him over the years about refi and finances in general. (4) He really does care for you and tries hard to help you save money. Eric has gained my complete trust and confidence with the whole refi process. He is my go to guy. As he always says to me, "I will get you to the finish line." He has kept his word every time. I have referred my friends to him and all of them have told me they had great experiences. If you are looking for a trustworthy loan consultant, Eric Park is your guy. Here is his contact info: Work phone (949) 635-4019 Email eric.park@interactivemortgage.com read more

I applied for a refi during the last week of a December 2020. They had the best rate in town, the process was very quick and simple from the loan officer Richard to the processor Miguel M. I received my LE promptly after applying and was greeted by Richard to provide details and the time line of the closing. We closed our refi outside the time line due to an error on the notary side. Overall, the process was pleasant and Miguel have been very helpful and communicative throughout the entire process. I was never left wondering what's my loan status. If you end up getting Miguel, you'll be in good hands. Highly recommended! read more

TL;DR: For all those skeptical about"no fee" refinances, Interactive actually gets it done. Great rate as promised! Ask for Thomas Kim, he will be upfront about everything with you. We were referred to Thomas Kim by another mom, after we had started the refinance process with another company (this first company seemed disinclined to discuss or go into detail about anything at all, so we were looking to switch). She said she had referred a ton of people to him and they were all very satisfied! 2.5 on a 30 year fixed with no fees? Count me in! We figured it couldn't hurt to reach out to Thomas and I am SO glad we did. First off, he was completely upfront: about important things like impound account for your taxes and insurance (FYI if you opt to have an impound account, this can amount to quite a bit especially if you're approaching your property tax due dates, BUT this is NOT a fee. You would have paid your taxes and insurance anyway.) He was also completely upfront about what fees we might pay (for us, it was only the HOA certification fee) vs what fees Interactive takes care of (everything else!) We had all of our documents ready and he was able to lock in a rate for us quickly as well. When it came time to e-sign the documents, Thomas offered to be on the phone with us as we did the e- signing, so that we could ask if we had any questions. I was beyond impressed at this level of service and dedication! Colleen Hartford was our loan processor and she was the point person for any questions once the loan is sent out for underwriting. We felt she was usually fast and to the point in responding to questions. The waiting is always a slightly anxious process no news is good news! We finally heard back that underwriting had approved us; the notary was then sent to us and a couple of days later we were informed our loan had funded. Total time from reaching out to Thomas to funding was around a month. My only gripe would be the length of time it took to fund the loan, but with the sheer volume of refinancing happening now I think a month is pretty normal. read more

I would give them negative 1000stars if I could! Applied for a refinance back in January. After weeks of emailing and calling, found out that my loan officer didn't get things done in time, so I applied when the rate was 2.375. Manager said in February that I could get a rate of 2.5. It's now March. More failed emails and calls later, the manager tells me that I can't get that rate either, so now I have to stay at my 3%. He said it's not his fault and there's nothing they can do. USE ANY OTHER COMPANY THAN THIS ONE!!! read more

We refinanced with Interactive Mortgage after a referral from a close friend. Start to finish took 6 weeks. The process was mixed relative to previous refinancing(s). The team from Interactive Mortgage was Markus Woods+Erin Gray. 1. Communication is sparse and has to be initiated from your end. That said, all of our emails and calls were returned, majority of them promptly. 2. The process for documentation and signing is straightforward. 3. Notary signing and funding happened very fast. 4. Increased the rate after a rate lock. -1 star for that. I have never seen this before. In our case, the increase didn't affect us much, but delayed the process by a week. Summary: We are very satisfied for the rate we got and the responses by Markus Woods and Erin Gray (especially). I will recommend Interactive Mortgage. read more

We've been getting regular promotions in the mail from this place, touting a very attractive APR, with "NO CLOSING COSTS!" and "ZERO lender points!" So when I call, I'm asked a few questions and then told that neither the rate nor the terms are actually available. The main problem with this is that we meet the terms and conditions on the mailing piece, in terms of FICO, LTV and so on. So I have trouble understanding how this can be anything other than bait-and-switch false advertising. Just out of curiosity, I asked the guy who took my call exactly how much the closing costs would be. His response: "I can't tell you until after you've completed a full application." Brings to mind that C+C Music Factory number from 1990, "Things That Make You Go Hmmn ..." read more

One of my friends has referred me to interactive mortgage. To be frank, I was a little hesitant as I have never heard about this company prior but I had the best experience ever while doing a refinance. I contacted Eric and he was very prompt and crystal clear. The whole process was like a breeze and also it went pretty fast as well. Eric is very knowledgeable and patient and answered all my questions. He has provided me the best rate. Thanks Eric for all the help. I would definitely recommend Eric and interactive mortgage. I did refer few friends and all of them are really happy with their experience with Eric. read more

Thomas Kim was my loan officer, and he was amazing from start to finish. He was very clear about every aspect of the refinance- even though so much of it was online, he wanted to call me and walk me through the information over the phone- which was so helpful. He communicated clearly about timeline and what the next steps were. Highly recommend you contact Thomas Kim for your next mortgage! Definitely one of the smoothest (if not THE smoothest) refinance I've gone through. And they had rock bottom rates to boot! Colleen Harford was my loan processor, and she was also great through the entire underwriting process. read more

Very good mortgage refinance experience. They were very efficient in getting all the information and forms as needed. I got to work with JOB SUAREZ, MATT MAHJOUB, and CHAD DAVIS. In all instances, they were very professional and handled everything with care. Communication was great and I always knew what was happening. I understood from the beginning that this process would take a little longer during Covid. I loved their lack of fees policy and easy appraisal approach. I am so happy that I saw their tv advertisement. I would highly recommend this firm for a refinance. Thank you! read more

It was an absolute pleasure working with Justin Burt and Melissa Hamilton - they processed and pushed my refinance through in just 3 weeks. Even the mobile notary was a pleasure to work with. I will always call Justin for my mortgage refinance needs. I have already referred several of my friends and family to Justin and will continue to do so. Thank you Justin and interactive mortgage team!!! read more

Update I got ghosted then received a call from a possible manager who quoted, "Markus Woods (the person who strung us along for several months) is no longer with and your rate will expired. Do you want to continue with us?" No empathy, no explanations. And that's what you are working with with this company. Started in Sept of last year, then got ghosted in February this year. Still shocked. read more

I would leave negative stars if possible. Communication was absolutely horrible. I will never respond to a flyer in the mail again. I sent documents for underwriting on the same day requested but when I asked what was taking so long more than 2 weeks later, the processor said that these documents were *STILL* pending. The next day, I asked for an update on the status of my loan. They replied and said they would update me in a few minutes...but then I didn't hear anything from them at all... It's been over 2 weeks now and I haven't heard a response and I've moved on with another company. This is completely ridiculous. My interest rate by .5% because of the lack of organization at Interactive Mortgage. read more

I can't believe it. 0 cost . A big zero wow... These guys mean business . Thomas Kim and Amy got it done in nick of time . Got approved , notorized and funded in less then 20 days . What more you want . I am a happy camper . Very professional. Highly recommend this company and a special thanks to Thomas and Amy for being on top of everything . They updated me to every little detail and made sure it happens . And they stood by there commitment and delieved on time . 5 . read more

UPDATE 11/22/19. If I could give a lower star rating, I would. I was told by both Colleen Harford and Kevin Noyes that I would not have a first-month mortgage payment because it would be rolled in. Colleen sent me a payment coupon saying I owe for December. I sent Colleen the email that she typed out stating that my first payment is due 1/1/2020 and her reply was "sorry for the confusion. Your first payment is in December, not January" I told her I am not trying to be rude but I would appreciate what they told me which was 1/1/2020 ... she then replied, "You are trying to be rude. Please do not contact me anymore". That's a pretty expensive $1400 "mistake" that they both made. DO NOT USE THIS COMPANY. Kevin called me every day when I first contacted them. Then when you sign, they disappear. He just doesn't respond. Kevin is full of excuses. He has been sick, at the dentist, on vacation ... I was hoping this company would live up to the positive reviews on Yelp. They have not. I'm trying to refi my home and this has not been an easy process with Interactive Mortgage. In the beginning, they were responding very quickly and calling and communicating. Then after I gave them my info they disappeared for almost a week... ignoring my emails and calls. They were sick, out of the office, on vacation etc... Now that it is down to the wire with my lock rate and they are saying "your locked rate is going to expire and you may lose your interest rate and it may go up". Hopefully, they pull through but it's not looking positive. I suggest staying away from this co. read more

I started my refinance with Interactive by just applying online, back in September 2020, after hearing of their competitive rates. I worked with Andres Chavarriaga, my loan officer who was patient and friendly. He set an expectation early on that the refinance would take quite a bit of time due to the sheer volume of loans that they were processing at the same time. I later worked with Carlee Gunderson, my loan processor. She was super friendly, diligent and helped in closing the loan without any hiccups. I am very grateful to both Andres and Carlee for the super smooth experience I had and I highly recommend them to anyone wanting to refinance. read more

This is my second time working with Interactive mortgage refinancing my home. ALEX and ED are the ones helping me. Very professional, efficient and love to work with them. Looking forward to working with them again in the near future. If you have any questions about refinancing your property, here's the one I recommend; Alex Reyes 714-922-9992 alex.reyes@interactivemortgage.com. read more

Our process was made very easy. Both Michelle and Connie were great to ensure a timely close. Very friendly, I have already recommended to my family and friends. Thank you Gene Heise read more

Fast and efficient. Got a great no cost refi with this outfit. I shopped and shopped till I found them, pfwheh, what a relief. Carlee G and Diane K were great to work with! read more

I refinanced my loan with Interactive Mortgage about a year ago to reduce my interest rate. I was pleasantly surprised when they tried to reach me again to lower my rate...FOR FREE. Ok, like most of you, I was very skeptical at first. I mean, nothing is for free. In fact, I was so skeptical that I almost missed out on the opportunity. I worked with Kevin N. and he was very clear to me that there will be no cost out of pocket for loan fees. (You would still have your typical daily interest loan pay off and escrow). In my situation, I did not have to do another appraisal. I've worked James B. both times and James is very helpful. I've been burn with past mortgage loans so I'm very careful to ask a lot of questions until I am absolutely sure I understand. James was very patient and answered all my questions. Both times, they sent someone out to me to sign the documents, according to my availability, very convenient. The only downside is that they get the loans and transfer it to a servicer, both times have been before I even made my first payment. AND both times, the servicer transfers it again before I even make the first payment. It gets a little confusing. read more

I applied for a refinance online. Within a half hour I was called by Alex, who walked me through the application process that took maybe a half hour tops. Once we got the qualifications in order, I submitted the rest of my application online. The website was a little picky on how to submit documents, but I didn't make any mistakes that needed to be followed up on. After that, I was handed off to Cynthia who guided me the rest of the way, including setting up the appointment with the notary. All-in-all, it was a rather straightforward and painless experience and I have Alex and Cynthia to thank for that. They were friendly, courteous, and answered all my questions on what to expect next. The entire process took about a month from application to final approval. read more

Interactive Mortgage (CMG financials as the servicer) refinanced my house within 17 days, thanks to my loan officer Richard Le. The fastest out of the 6 lenders I started my processes with, and also the lowest rate from the first quote. Most others give you a high quote, and if you don't know to negotiate or bring them a lower offer, they'll rip you off. Richard not only quoted me the lowest, but also said he will match anyone even lower on our first call. This is the transparency, honesty, and easiness you need when you deal with a loan company. If you can use interactive Mortgage, please do, and stay away with brokers who usually make commission based on your interst rates so they quote you 3.7% whereas direct lenders like IM would quote you 2.8% from the get go. All the one-stars are the ones that don't qualify for loans. If you have clear income trail, W2s, you are very quick. I also got IM from a mail they sent out. I called them and got my loan closed 3 weeks later! Some other lenders told me don't trust mailers, well guess what, they're the best. Trust your gut about the person the company, read the reviews, and think for yourself. Anyway I appreciate Richard and IM. Good luck to you guys!!! read more