As suggested, I dealt with three or four lending companies and chose the best one. Andrew at Fifth…read moreThird was the obvious choice for me. He was: -friendly and knowledgeable -very responsive to texts and emails -totally helpful in explaining things I didn't understand as a first time home buyer -skilled in quickly knowing the best way to get the true number of my eligible income figured out as a self-employed person -tenacious in finding and pursuing possible grants to help me with my downpayment. I highly recommend him.

We financed a rental property with Soss, who was introduced by our fabulous agent, Lorri Quiett…read more The process was not only easy and seamless, but it was done remotely during the pandemic. Andrew was always responsive, even on weekends and holidays (the escrow closed on New Year's Eve). I love the instant update of a summary page for our loan approval process.

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

I thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

I cannot recommend them enough. Linh is an amazing service provider, and she will meet you at your…read morelevel. A little background: I did 2 house purchases, and 1 house sale by myself without a realtor before engaging Meridox. I didn't need handholding, because I was not a first-time buyer. I wanted an advisor who can give me an honest opinion as to pricing, knows the neighborhoods, and can negotiate with the seller's agent. Linh was so on top of things. She understood that I was busy and scheduled multiple showings for me on weekends. She mapped out our route, so we can be efficient with time. She never asked me to consider any property that was outside my price range or not what I was looking for. I was able to knock out many home viewings with her, and we put in a couple of offers. I saw a house that fell out of escrow. I messaged her, and she was immediately on it. She showed me the house, called the seller's agent, and basically convinced the seller to take my offer that was a tad below listing that either that same day or the next. (OC is a hot market, so this was an incredible deal! My other offers all sold above listing.) She was incredibly responsive, super sharp, and very easy to work with. I used Meridox as my mortgage broker as well and used them again to refinance a year later. Very seamless and easy transaction. Forget all the agents who claim to "treat you like family." Choose Meridox: the true professionals.

As a business owner with the majority ownership, the W2 i gave myself is hardly recognized by…read moreanyone, I shopped around for a mortgage and I barely got any reply from any broker, most of them wont pick up my phone again after I talked with them for my situation. A friend end up helped me with patience, but she may only do 24 month bank statement loan with very high interest and I have to purchase 1 point, I was going to suck it up, but I end up not able to come out with the high downpay her company requested. I decided to try Stephanie out since she is the designzted mortage broker with the seller. She is even more patient with me than my friend, and she is so knowledgeable that she is able to come out with a contruction solution customized for me. I end up getting the fannie mae loan approved with her assitance! And no points! And only 20% down! She is simply works out wonders, if not miracles. highly recommended, especially if you have a complicated situation.

Stephanie was everything anyone would want in a mortgage broker! She was meticulous with the…read morenumbers, searched for endless hours for the best deal, and walked through every step, putting pressure where needed to get it done so quickly. I closed in under 3 weeks, unheard of for new construction. Two thumbs up! I don't trust the mortgage industry, but I trust Stephanie. God bless her, without her I wouldn't have a roof over my head! God bless!!

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was…read morewith Tiffany who was incredibly informative, authentic, and responsive. After talking with Seth, there was zero doubt in my mind this is the team I want to be a part of. The group has been outstanding from beginning to end with getting the second home loan. It feels incredibly personal and they are most definitely there to hold your hands and encourage you. I had a bit of a panic attack one day during the process and reached out to both Seth and Tiffany. They were able to bring me back down to Earth, reassure me, and bring me back to feeling excited. This was exactly what I needed. Short term rentals are still very new to me but if you need a team to get you through this, this group is the one. Cannot wait to continue to do work with them.

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.

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and her team kick a$$! Mike helped us with a HELOC and I'm glad to say from the moment we…read moreconnected it was a wrap. Not only was the process made easy to understand, it was completed from the comfort of our home and our schedule.The team is flexible, quick, knowledgeable and most importantly explained it in a way that made sense to us. Our HELOC closed in a little over a week. Mike was in communication with us which felt like 24/7. If anyone is looking for a reputable lending team look no further.

Can't say enough good things about Alan and his team!!…read more As a first time buyer, there was a lot of unknown and many questions. They were able to answer all of them and walk me through every step of the way! I would recommend him to anybody in the market.

Alan Cipolletti helped me finance my new home. He was very professional, friendly, and very…read morehelpful. He made my 1st home purchase easy and a great experience. No matter what time of day, Alan answered my phone call and answered all of my questions promptly. I would highly recommend Alan, and Finance of America.

Jill is AMAZING. I would give her a thousand stars if I could. She has been our loan consultant on…read morethe past two homes we have purchased. She really goes above and beyond for you and takes the time to ensure you understand everything, gives you helpful advice during the process and is SO on top of it. We even had comments from both our agent and the seller's agent about how great she was and she certainly made everyone's job so much easier. Buying a home is stressful and the most important thing is to have someone in your corner who truly cares about doing what's best for you. Jill is that person and we are so thankful to her.

Jill is incredibly helpful and consultative throughout the entire home buying process. I felt at…read moreease the entire process, knowing Jill was looking out for my best interests. As a first time home buyer, I would definitely recommend working with Jill! Thank you for all your help and hard work :)

Outstanding experience. Ryan and his team were highly attentive and professional throughout the…read moreentire process. They made the experience smooth and enjoyable, kept us well informed at every step, and addressed all of our questions promptly. Ryan valued and made sure our concerns were answered. I highly recommend this company.

I totally get how looking for a home can be intimidating, especially the loan process, but Ryan is…read morejust the guy we needed to explain all the details that come with the financial aspect of things. He's extremely knowledgeable and helped guide us in which direction to go. Just like many will say, it's always a good idea to shop around, but even after doing my homework, Ryan's service and rates were unbeatable in my opinion. Besides that, we literally had someone by our side the whole time carving the path to our success in home buying. We worked with Ryan over a year, and he was so patient with us the whole time. I'm sure at some point he was probably exhausted over us not finding our home, but it was really hard to find a home at a reasonable price the last few years. Ryan stayed calm and just let us know to reach out when we were ready, which one day, we were! Definitely consider Ryan if you are ever looking for your mortgage lender!

On top of seamlessly getting me through the financing process buying my first home--Chris is also…read morejust a likable guy and fun to work with. As a first timer I can tell you there's lot of feelings of uncertainty. Are the numbers going to work. What are the numbers? What about this, what about that? I had more than a few questions and Chris did a great job of helping me understand things, which is important to me. I also felt like he understood where I was coming from. I have some internet coins and I'm trying to hang on to them. I wanted to do the house deal while sell as few (or none) of this investment. And Chris helped me find a way to make that happy. I'm very pleased with the entire experience. Thanks Chris!

Our realtor recommended Chris Hanly when we suddenly found ourselves looking to purchase a property…read morewith no pre-qualification for a mortgage. Not only did Chris pick up our phone call at 8am on Sunday of Memorial Day weekend, but he started the process straight away. We were qualified for a loan in a matter of days at a great rate and when our offer was accepted, we were closed 21 days later. Chris kept things pleasant and positive during a stressful time. Thank you Chris! We're so grateful for your help. Put Chris Hanly and New American Funding at the top of your list if you're in the market for a lender.