1. Iris Villa - Point Mortgage

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Chula Vista, CA

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Iris Villa - Point Mortgage

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4 years ago

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Point Mortgage

Point Mortgage

(58 reviews)

Start by saying it was of the most easily Refinance I ever done …read more.... My loan officer Javan Francisco Carboneno Is a blessing to know him He took the time to walk me through the process step by step highly recommended that if you are trying to buy or just refinance ,I don't ever put my personal business out there but what I have to say is the truth I purchased my house 2 years ago and monthly payment was $3,089 ... When I tell you that My experience was amazing and after Francisco was able get get me a 3.25% now I pay only $2,239.00 a month it's crazy good Francisco and the entire team at point mortgage so believe me ask for Francisco Javan $850 plus two free months of free living my first payment Thank you Javan Francisco respect and love

Deeply disappointed with: Tyler Crisci…read moreNMLS # 231073 I am a real estate broker representing the Seller involved in a transaction with the above-referenced loan originator. It seems that the loan originator DOES NOT read the contract and gives buyers bad advice?!! In our transaction, Buyers and Buyers' Agents were well aware that the solar financing WAS NOT assumable. The parties agreed, in writing (the Real Estate Purchase Agreement), asvto how they would pay the balance on the solar loan. The loan originator apparently did not read the contract and unilaterally told the Buyers they didn't have to pay off the solar financing, that the solar loan could be assumed. WRONG!! Due to this, we were delayed in closing and of course, the loan originator would not even consider helping the Seller with any damages he was incurring due to the delayed closing of the escrow on the sale of his home. I would recommend NOT using TYLER CRISCI in the future. He also poorly communicates updates on the transaction which doesn't help either.

The GreenHouse Group - Jesse Ibanez and Jeremy Beck of The GreenHouse Group, combining real estate and mortgage strategy to help San Diego clients move smarter.

The GreenHouse Group

(445 reviews)

Normal Heights

I honestly couldn't have asked for a better experience buying my home…read more From my very first conversation with Jesse, I could tell he was a go-getter and a great negotiator. He was friendly, down-to-earth, and confident without ever making me feel pressured. That was a big reason I decided to go with him. Then I met Desiree, and she was just as amazing. She was so sweet, easygoing, patient, and genuinely enjoyable to work with. I got to tour all the homes with her, while Jesse was working behind the scenes, giving us his expert advice, thoughts, and strategy along the way. I felt very safe and trusted them instantly because they really worked for my best interest. And when I say we looked at houses... we LOOKED at houses!! We toured MANY homes in such a short amount of time and they made it happen for me and worked with my schedule to accommodate my time. We submitted offers, backup offers, multiple offers, and went through all the ups and downs that come with trying to find the right home. Then one day... BOOM! The seller accepted our offer! Not only did they help me get the house, but Jesse and Desiree were able to negotiate a huge discount for me, along with credits toward closing costs. That made such a difference, and I'm incredibly grateful for how hard they worked on my behalf. Throughout the entire process, they were supportive, helpful, responsive, and always there whenever I needed something. But honestly, what stood out to me the most was that it never really felt like I was working with real estate agents. It felt like I was working with old friends and family who genuinely cared about helping me get into my home, and now they're friends to me. Much love and respect to them And when we finally got the keys , they even surprised me with some really thoughtful little gifts, and a surprise at home. Such a sweet way to finish an already amazing experience. So, thank you, Des, for being so patient, kind, and easy to work with. And thank you, Jesse, for being such a great negotiator and for always having our back throughout the entire process. I truly appreciate everything you both did for me, and I'm so happy I chose you guys to help me through one of the biggest purchases of my life. Thank you, Jesse and Desiree! If anyone is looking for a real estate team that will actually be there for you and make you feel like more than just another client, I'd definitely recommend giving them a call!

I rarely if ever write reviews, but Jesse, Lori, Lex, and Renata made my home selling process as…read moresmooth as I could have imagined. I give them the highest rating possible for their care, responsiveness, advice, and attention to detail. I would also note that some people say they will treat your money like their own. But Jesse lived it...fighting harder than I was for seemingly small amount of money...he's a hell of a negotiator! I highly recommend Jesse and the Greenhouse team if you're looking to buy or sell.

Iris Villa - Point Mortgage - mortgagelenders - Updated October 2026

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