I have used Veterans Home Finance several times over the past few years. Each time they not only…read moreprovided the best rate to match my goals, but followed the entire process from start to finish. Their staff from loan officers to processors are top notch and have excellent communication skills. They kept me up to date through the entire process. If you are a veteran or even non-veteran please give them a call. Their wholesale rates are the best out there and their network of lenders is impressive. Most importantly what you agree upon is exactly what you get. No games or run around. Great company!

My husband and I did a refinance through Enrigue F. He did an amazing job, omg! Our transaction…read morewas smooth from beginning to end. Refi's can be a little tedious getting paperwork, etc...Enrigue walked us through the whole process and it was an overall good experience for us. I will be recommending him to all my friends for sure. Great person to work with, professional, patient, and courteous.

Purchased my first single family home with Derric's help in November 2015 with a VA 30 year fixed…read moreloan at a very low rate and great terms. The terms and rate were better than the USAA and Navy Federal loans I had been researching. It was refreshing to deal with someone honest and straightforward. Derric was always available and his turn around on paperwork is appreciated. 8 months later rates had dropped, so Derric contacted me and lowered my payment almost $200 month. The refinance was easy and painless. After a miserable experience with another broker when I bought my condo in 2006, I know that nothings worse than driving back and forth to a disorganized brokers office when they forget documents.

As a real estate agent, it's important for me that my homebuyers and refi clients are taken care…read moreof. I've worked with other loan officers but nobody can match the kind of service Derric gives to my clients. He goes out of his way to make sure my clients understand the process and status so my clients can make better decision. On top of that, he is pretty honest and will tell you the truth of where your loan stands, no sugar coating. He also worked wonders on my financing-challenged clients - the ones turned down by big banks. He does his own research on how to make it happen while still within the guidelines - no tricks, shortcuts or gray areas. Another thing I like is that he responds pretty quickly either by phone call or email. He is hands on with all the clients he works with unlike other loan officers who pass the files to their loan processors/assistants. I've been working with Derric for several years now and have helped my business grow.

Erik at NGG Mortgage is the man to call for your mortgage needs. He handled my VA cash-out refi,…read moreand beat out PennyMac's rate (who I had been with for years) by a landslide! I asked a ton of questions during the process and he was always prompt and knowledgeable in his responses - rest assured, this man knows what he's doing. He and his team were even able to lock me in at a great rate just before rates surged up (mid January 2022). If you're looking for a no nonsense, straightforward loan, refi, or streamline - get ahold of Erik and the team of professionals at NGG Mortgage. Thanks again Erik!

I was able to close my first refinance with Eric and he was able to give me some competitive rates…read morecompared to other lenders. I found Eric through my investor friends when he heard about the estimates I have been getting and was able to beat it without hesitation. I was able to get my refinance within 2 weeks and was very professional throughout the process. I recommended him to my other friends because this guy knows how to do hard money loans and bank statements / no income loans.

Brett is the best for home financing in San Diego County!…read more He handled my VA loan with expertise. He kept in constant communication and things went as smoothly as possible (VA loans require much more paperwork and other tedious details than conventional loans.). I had many questions, and they were all answered in terms that I could understand. He even explained to me the differences in conventional vs. VA home loans. Brett does his best to get you locked in at a low rate and will let you know if there is a way to refinance as soon as it's available. I will call him immediately if I sell my current home or buy another in the future. I highly recommend Brett Alderman for his expertise in mortgage loans!

Big thanks to Brett and his team for helping me secure a Veterans backed mortgage in December. He…read morewas very attentive and took the time to explain the terminology and process to me so that I felt comfortable with the deal. Brett went above and beyond and notified me of an even better rate 6 months later and helped me with a VA Interest Rate Reduction Refinance Loan (IRRRL) to save me hundreds of dollars a month! Smart guy with a great team, recommend you give him a call!

Thanks to John Gillis and Steve Chizmadia for bringing me out of Yelp semi-retirement to let those…read moreout there know what to expect if they are considering having ACHL handle their home loan. As a neophyte to the refinance process I was recommended to American Capital Home Loans by a friend and I dove right in to get a great deal for my home refinance completed in an expeditious manner. I was encouraged to opt for a VA loan for which I didn't know that I even qualified for since I was a reservist (as it turns out I do qualify...no thanks to them though). It was a good interest rate for the time and my financial advisor with Merrill even indicated he couldn't match the terms, so I didn't shop it around any more. Initially things were progressing after we provided the herculean amount of financial documentation required to complete a loan these days, but then we ran into the snag of questions regarding my ability to qualify for the VA loan. Nonplussed, I took it upon myself to undertake this investigation since Steve Chizmadia and the underwriting team were unable to establish what documents were actually required nor how to acquire them. Finally after expending the better part of 20 hours of my own time researching sitting on hold, faxing, emailing and speaking with the VA, Naval Personnel Records, and the ACHL underwriters, I was able to attain the Certificate of Eligibility (COE). By the way, during this entire process, I was constantly asking if this loan was going to "go bad" because of how much time it was taking. I was reassured that if we completed all necessary documentation by December 23 then we would be whole and the loan would proceed as indicated. On December 23rd I was informed that the loan was never locked and that the terms of the loan as I had understood them had changed. I was deftly handed off to John Gillis who acts in a managerial capacity for ACHL. He told me that I was "being emotional" and that he "didn't pay people to do loans"...I would never speak to my customers that way, and certainly not ones who had lost thousands of dollars based on the flummoxes of my staff. He said he would get back to me by the end of the Holiday week with options. John called me on Saturday to discuss the terms of the new deal, but refused to accept anything resembling accountability for the issue with the lack of locking, nor did he disclose what the difference between the terms of the original loan were and the one he was proposing (I know there was a difference, but he wouldn't do the math for me). He called the lack of locking and change in loan terms a communications mix up. Long story very long, I elected to go with another lender (whom I will in fairness write a review about separately and not mention here). They offered much better closing terms, the same rate, and they didn't have the baggage and ill-will that were the result of the repeated lack of customer service and undelivered promises that John Gillis and Steve Chizmadia delivered to me and my family. I do not recommend this loan provider and strongly recommend shopping around and comparing terms as a home loan is a huge commitment.

Everyone at this Company are positive, up beat and truly care about the way their clients feel…read morebefore, during and after the closing of their home loan. It is a rarity in today's age of "fill out an application on line and we will let you know next week" mentality. Carl & John were fast friendly and they even got me better terms on my financing package than originally agreed upon. :)

I have inquired to many VA home loans around and I even went with the nation's #1 VA lender and a…read morelocal one to the desired area, but I must admit they weren't at all helpful. My husband and I are both veterans and with no so great of credit score to begin with, even though the VA themselves don't really have a minimum credit score to qualify, unfortunately these other major companies do. So we were out of luck! We have-been wanting to a buy a home for the last 5 years and finally qualified by income but not by credit score it sucks. One of the local companies actually penalized us for having a lower score and added almost 10k to our closing costs. We quickly realized they were not trying to really help us. We actually were in the process of bettering our score. It just took months to show to technically qualify with these major companies. We were ready to just call it quits and I decided to try one more time and search another company. That's when I saw MLH and they even give you credit as a thank you towards closing costs which is a great help when you don't really know the process of buying a home and get surprised by closing costs LOL. Eric Edwards our Loan Officer contacted me right away and asked questions about me and family and the whole home buying situation. I told him everything especially about our score and he told me that the minimum and I was definitely not that bad and that there were no penalties for having a lower score. From there forth I went them as our lenders. Eric picked almost every-time I called with questions whether it was big or small or really stupid ones that I just didn't really know and he educated us and explain things to the T! He gave us options and gave great advice. Even my realtor agent loves this company's communication. They are on top of everything in the process of home buying. I may be a first time home buyer but the energy and care and support they provide is beyond the standard. I am truly amazed and thankful to these guys especially to Eric Edwards and Shiraney Sims for the communication and quick answers. My real estate agent and I definitely recommend them. Great rates as well! But just customer service I cannot boast enough. Continue to be awesome. Love the team that we, the Sims Family have. Thank you as well for your service to us Veterans!!!

Very responsive and professional organization. Easy to work with and they explain every step of the…read moreprocess. I never felt rush to make a decision. Great customer service and you can tell they really value their customers. They provided me with detail loan options and made sure I understood every item. I was comfortable asking questions and I enjoyed how they presented the information. I really enjoyed the videos and the team effort to ensure I was always taken care off. I honestly don't think they have customer service hours because they were so responsive. Quality of work was impressive. Highly recommend!

I have dealt with several loan officers and made several different attempts to refinance my home…read more Finally I came across Mr. McCoole. He was professional, accurate, and honest. He showed interest in my situation and explained the refinance process and was extremely thorough. I got a great deal and now I am extremely happy and comfortable with my new mortgage payment. I highly recommend this business and his service.