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    Jason Smith - Ladera Lending

    5.0 (8 reviews)
    Open 7:30 am - 8:30 pm

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    2 years ago

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    Thanks Elizabeth! I really appreciate the 5-Star review!

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    Ask the Community - Jason Smith - Ladera Lending

    The Insight Team of NEO Home Loans

    The Insight Team of NEO Home Loans

    (193 reviews)

    My husband and I recently purchased a home with the help of Byron, Jinny, Derek and Russell. I…read morecould list a hundred reasons why I love this group so much, but a few that stood out are: 1. From day 1, they've been very honest and transparent and there was never any surprises that could push back our escrow. If they thought that we would have possible issues, they told us upfront and so we were always prepared for anything. 2. If it's your first time purchasing a house, terms and numbers are confusing. But they've explained everything to us so well. And if we found a house that we liked, all we need to do is send Byron the address and he would email us with the numbers which really prepared us for anything! 3. They're all easy to reach. I could email now and get a response in less than an hour, and if it's important, I could get a call back in minutes. 4. Customer service skills is unparalleled. 5. They give you cookies from Cravory cookies (which is to die for). And once Russell found out that we loved the cookies, they sent us another box! So if I could give them 10 stars, I would. We've had such a great experience with this team, and would highly recommend them to our friends and family.

    Came here on a Monday evening to discuss and start to understand the (first time) home buying…read moreprocess. I had been receiving detailed instructions and assistance from Byron Watson and his team on how to find the place - and they're located across from the Irvine Spectrum, on the 7th floor of the Smile Brands building in Irvine! As I was ushered into the office, I quickly saw that they were ready for my visit. I was greeted pleasantly by the staff and noticed a welcome board with my name on it - wow, impressed already. After some pleasantries, we got some water and got to work. Byron was extremely helpful and patient when explaining every detail of the home buying process that we could get to in our two (2) hour time frame. This meeting definitely increased my confidence and willingness to buy a home, and I'm glad Byron and team were there to show me the first step! Will remain in contact with Fairway and Byron throughout the purchase and financing process. A very professional and informative experience that is really valuable - definitely recommend to anyone that's new to this stuff as well :)

    Mike Lee - Mortgage Broker

    Mike Lee - Mortgage Broker

    (5 reviews)

    Mike was awesome to work with during my home refinance. As a new homeowner (and one that is always…read morelooking to save, yet doesn't know exactly how to do so), Mike was incredibly helpful all throughout the process. He educated me on the pros and cons of doing so and also made it very applicable to our specific situation. It's important to note that this all happened during the first six months of the pandemic where there was just so much uncertainty. All in all the process took maybe 3ish months from start to finish and we have been happily locked into our new rate the last year and a half or so. Throughout this time he was incredibly responsive, sending text replies within minutes of me sending off any questions (but not so responsive that it became unmanageable). Communication is so important and doing it right means you always earn my business. I plan to continue discussions with Mike for future similar inquiries. Thanks, Mike!

    Our amazing financial journey with Mike Lee began in the first quarter of 2021. He was referred to…read moreus by an amazing Real Estate company, Livingstone Realty Group. We were looking for ways to reduce our debt. Mike was and is very professional. He guided us through the process and offered personal professional assistance at anytime of day and the few times that we needed questions answered late into the night, he was there for us both times. Yes, that's not a typo. He facilitated our cash out refinance and the last quarter of 2021, he facilitated a refinance to further reduce our interest rate!! He is an amazing mortgage broker and we highly recommend him for anyone who needs an honest, thoughtful, professional, and genuinely caring person whom you can trust has your best interest at heart. As we move forward into semi-retirement, we are relatively debt free thanks to Mike and his guidance while facilitating our financial needs. He is simply the best of the eight mortgage brokers we have used in our property purchases and refinances. Gail and Rufus Thompson

    Full Circle Home Loans - First time buyers and Veteran (VA home loan) after we closed on their purchase. Our clients are our family.

    Full Circle Home Loans

    (165 reviews)

    Seth and his entire team were absolutely amazing to work with. Just really top-notch people…read more We explored several options, and Seth was incredibly patient the entire time-helping me run numbers more than once, compare different scenarios, and think through what would actually make the most sense for our situation. I never felt pressured, and he always took time to answer questions and explain things clearly. What stood out most to me was how accessible and responsive he was. No matter how many questions I had, he was always willing to help. Even when he was going on vacation, he reached out beforehand to let me know, made sure I had another point of contact if needed, and even said he'd still be checking messages while away. That level of communication and follow-through is rare. I'd genuinely recommend Seth and his entire team to anyone looking for someone knowledgeable, patient, and invested in helping people find the best fit-not just get you a loan. I wouldn't hesitate to work with Seth and his team again or recommend them to friends and family.

    The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

    Tri-Emerald Financial Group

    Tri-Emerald Financial Group

    (13 reviews)

    Worst company out there in Mortgage industry. No culture, no values, Tri- Emerald isn't a company-…read morehad to lose there company name before they do fraudulent things and now there Lend Plus. They have people make sure up there reviews, comments. I feel sorry for the investor that invest in there make believe company and numbers they fake. They will never give you give you a call or email back. They don't pay their employee's what they own them. I could go on... but it's a waste of time and energy.

    Bottom line: the young, eager staff works very hard to get their customers loans, but the…read moreTri-Emerald Management team can't close the deal. We attempted four concurrent refinances and our mortgage banker (i.e. low man in the chain of command) worked extremely hard to sort through our complex applications to find loans for us. Of course, we also worked extremely hard to provide reams of documents for their underwriter to give in-house approval but we finally (supposedly) got that approval for loan packages that we approved. We paid for four appraisals and waited. And waited. And waited. When things were going well, our mortgage banker (and his boss) promptly returned all calls and answered all emails. As soon as there was a problem, they wouldn't return calls or emails. When things were going well again, calls and emails were promptly returned. More problems, unreachable. When I could actually reach the M.B. (they ALL use Caller ID to NOT answer calls when they are in avoidance mode), he gave us effusive assurances and guarantees and said the loan was in underwriting and we would fund within days. (I swear, three out of four months our loans were bouncing around in underwriting, despite having been supposedly approved and re-approved, and always 3-4 days from funding.) In the end, the branch VP send a memo to the group working on our loans saying that "by the client's own admission", a payment to an existing lender was not made for the month of April and they had to deny all of our loans. She totally lied!! They had all of our bank statements showing each and every payment for one entire year. We got jerked around, lied to, and were finally completely avoided - no calls taken, no calls returned - just because they somehow botched four fundable loans (we promptly got four loans through BOFI). We missed out on rates 1/2 point lower and paid two thousand dollars in wasted appraisals. And, we will never know exactly how they screwed up and why they lied to cover it up. There are many other qualified lenders and brokers out there - use one of them and avoid Tri-Emerald.

    Jason Smith - Ladera Lending - mortgagebrokers - Updated May 2026

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