Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

Devon Doan did an exceptional job from start to finish. He is professional, knowledgeable, and…read morehighly responsive. He worked late hours around my schedule and made the entire process seamless. The loan was underwriting approved within 24 hours, which was impressive. He explored all options and delivered even better results than originally quoted, which exceeded my expectations. Having purchased multiple homes, this was the best experience I had. I highly recommend Devon Doan and Advanced Horizon Lending to anyone looking for a top-tier lending experience.

Long story, short: I wouldn't have been able to purchase my parents' dream home without Devon and…read morehis team. Long story, long: working with a traditional bank was a nightmare--they wouldn't preapprove me for a loan high enough to put in a competitive offer, let alone even purchase the home, and offered me absurd interest rates. They also used scare tactics to try to get me to work with each of them. They didn't care at all. While ranting about the process to a friend, he recommended and referred me to Devon, who is now one of my favorite humans on the planet. He answered my calls day and night (sorry, Devon!), answered all my technical questions since I was new to the home buying process, calmed me down and provided me with reassurance when the other party was being difficult, and was always readily available to go above and beyond. He was not just a lender but a friend, confident, and jack of all trades. He jumped in wherever needed to communicate with realtors, title companies, etc... not his job! But he truly cares about his clients and does this for each and every one of them which is truly amazing. I saw it first-hand when I went into his office in person to sign my paperwork. He did everything he could to make sure I was able to purchase this house. He scoured through different programs and loans that I could be eligible for and made them work for me. Throughout the process, I would receive emails at 2am, a phone call that same morning at 7am, texts throughout the day--he would even answer my phone calls while he was eating dinner at 7pm and calm me down when there were fires at 11pm. The issues we faced were not due to the loan itself but more so the process of working with and communicating with the other side. Nothing to do with Devon, but he was always the one jumping in and putting out the fires. At the end, he was able to calm everyone down and get my loan underwritten within a couple days (unheard of!! everyone was so impressed). I honestly don't know where I would be without Devon. He's like an uncle to me now, he's invited to the housewarming! It wouldn't have been possible without him. I'd have had to settle for a much cheaper home, that my parents didn't really want. I can't thank him enough and I've already told all my friends--when they purchase a home, I know who they need to call. Hopefully I get the opportunity to purchase another home in the future, perhaps for myself, because I know who I am going to call!

I used Mountain West Financial to do a streamline refi a couple years ago and had a great…read moreexperience working with Joe Moore. Because I live in Northern California, everything was done via email or fax, but every step of the way, I'd get a detailed email or phone call on exactly what I needed to do. Sure enough, the steamline refi went through, my interest rate lowered, and Joe saved me a couple hundred dollars a month off my mortgage. I was very pleased with how professional and efficient Joe and his staff were to help me out. Fast forward to a couple of years later, I was unaware that my property gained a lot of equity. It was Joe that called me to let me know and also went over some options. Imagine that, someone over 300 miles away informed me of this with a phonecall. This shows me that Mountain West Financial goes above and beyond to help their clients. I hadn't been in contact with them in over a couple of years, and they are still looking out for my best interests. In a nut shell, he was able to change my FHA loan into a conventional loan (no more PMI payments! Woohoo!) and cash out to help my wife and I take care of some debt. Again, everything was done via email or fax and everything was taken care of. At the very least, I am very pleased with Joe and Mountain West Financial. I will definitely use them again and recommend them to any of my friends.

- Unorganized - Constantly being handed off from 1 person to…read moreanother - The 21 day closing promise is a joke - we had to file an extension, which added 2 weeks because MWF was so backed up. - Joe Moore was often argumentative in his emails about what we wanted - Sarahi was pleasant, yet forgetful, and didn't always seem on the ball - Constantly being asked for paperwork we had already submitted - Constantly filling out the same documents over and over again - I constantly received fliers in my school mailbox for this company and I figured they would be a quality company because of how they promise they work with teachers. I could have gotten the same rate going anywhere else and not had all of the runaround. I have reported MWF to my union to make sure these fliers don't end up in our boxes ever again and to make sure other teachers don't have to go through the mess I had to put up with. TEACHERS AND PUBLIC SERVICE EMPLOYEES STAY AWAY

Peter was the most accurate, efficient, and responsive professional I worked with throughout my…read moremortgage process. After going through multiple agents and even changing mortgage officers twice, I was under significant stress and time pressure--but thanks to him, everything moved forward smoothly without any issues. I truly appreciate all of his help and professionalism, and I would absolutely recommend him to my friends and anyone going through the home buying process. Thank you so much!

I recently worked with Peter as my mortgage lender to purchase a home in California. I had…read morestruggled with 4 other lenders who couldn't make it work. He combined high-level competence and expertise with genuine compassion and positive energy, all while maintaining full professionalism. He was knowledgeable, highly responsive, and navigated the complexities effectively to get my loan approved smoothly. Thanks to his expertise and dedication, we closed on time and I was finally able to buy a home to start my family. The entire process was stress-free compared to what I had experienced before. He's is truly exceptional, the magic man! Thank you, Peter!

They were the biggest mistake of my life!!! I was charged over $10-15k for a refinance and was…read moregiven the worst loan EVER!!!!! I was a first-time homebuyer who was refinancing for the very first time. I can't believe the nasty mess they got me in and once I signed (not knowing the nightmare that was coming) believing all their lies. This was 18 years ago... and I was scared for LIFE!!!!! I never ever forgot their name (and not in a positive way).

Can't say enough good things about Thomas and the folks at Ameristar! I tried 3 others before…read moreThomas and each one gave up quickly due to my high debt, and lower scores, and complicated income. Every other place wanted to make a quick buck, but Thomas worked hard to get my refi. Stayed with me even when it looked like it wasn't going to happen. Coached me on improving my scores and my finances. He was always optimistic and had a great attitude. They have made a client for life. They got me the largest cash out for my condition, with the best interest rate and almost no cost to me. I rarely get amazing experiences, but this was definitely one and I am recommending them to all friends and family. You just need to trust Thomas and he'll honestly do the best he can for you!!

A few months ago I was thinking about refinancing my home to free up some extra cash to take care…read moreof some other bills. After talking to numerous companies, I came across Ameristar Capital Mortgage. Thomas took his time to explain the process to me and was straight to the point. He found out what my needs were and made his recommendation accordingly. He was never pushy or agressive like some of the other companies I spoke to. Big thanks to Thomas and Ameristar Capital Mortgage!!

I can't say enough great things about working with Amanda and Kylie! This is my second time working…read morewith Amanda, and once again she exceeded every expectation. She is incredibly easy to work with, always responsive, and communicates clearly every step of the way. The entire HELOC process felt smooth and stress-free, which is something I didn't think was possible! Uploading documents was simple and straightforward, and both Amanda and Kylie made sure everything stayed on track without any confusion or delays. Their professionalism really stands out--they are knowledgeable, organized, and genuinely care about getting the best outcome for their clients. What impressed me most is that even after we had already started the process, they were able to secure us a lower rate. That level of dedication and follow-through is rare and truly appreciated. If you're looking for a team that makes the process easy, keeps you informed, and goes the extra mile, Amanda and Kylie are the ones you want to work with. Highly recommend!

Process HELOAN loan with Kylie and Wade, very quick and smooth process. Really appreciated your…read moretheir prompt response. Answered all my questions and concerns. I would definitely considered using them in the future and referring to others.

I almost refinanced with my (then) mortgage lender, but I decided to get a second opinion after…read morethere seemed to be too many costs. THANK GOD, I reached out to Steve. The rate he locked in for me was so much better than the other one I almost took, and I had no out-of-pocket costs. His assistant, Brianna, was so helpful and kept in contact every step of the way. We're thinking about buying a bigger house in the next couple years, and I will definitely use Steve and his team again if we do.