This review is long overdue! John and his team absolutely killed it!…read more We closed our transaction in late July, John is a Type A -go getter, responsive and attentive to detail! He made the purchase of our first home absolutely easy! He was able to help us get a better rate than the national average due to their access to multiple lending companies and brokering out the deal. I will use John again for any future transactions, thank you John!

John IS exceptional customer Service. He is always there to help you through the process . He is…read morehighly recommend in my book Arpad P.

Our family was about to expand in a matter of days, so our home needed to expand as well. In crazy…read moretiming, as we welcomed our third child into this world, buying our new home fell into place as well. Michael and Mandy at Harbor View Funding who we had been working with weeks prior, took charge and handled all. They made the process of qualifying for a home loan ABSOLUTELY painless. We chose Michael and Mandy to assist with our loan process for many reasons. A couple being, the positive reviews they have and the fact that they are this amazing Husband and Wife team who understand the busy schedule and at times stress of todays life with a family of 4 becoming a family of 5. They were always on task to get us the best rate and to get us where we needed to be to reach that closing day on our forever home. All while being considerate and compassionate to the fact that we had our hands full with our children as we welcomed our baby girl. I am Forever thankful to Harbor View Funding, for helping us with this next chapter in our lives. For making what I thought was going to be a long, tedious and stressful process, anything but that. Thankful to them for letting me just be a Mommy that had to do a couple Docusigns here and there. I will definitely recommend to them all!

I spent months learning about searching for a home, watching videos, doing monthly payment calcs…read moreand preparing for a rough market in 2021. Probably a typical first-timer mistake, most of my time was spent on the home-finding side of the process, assuming the lending process was straightforward with some bank or FCU system. At some point in November, a realization happened and it clicked "hey! why even bother looking at a home without money?!" and I frantically started diving into lenders. I learned basics of the financials involved, and most advice was to start speaking to lenders early. What I thought was months early actually only turned into... weeks early. I clicked a handful of yelp high rated, local brokers / lenders in my purchase area. Out of the few lenders who responded to my inquiries, my first call with Michael was all about education and familiarity with the loan process. Most lenders get your info and tell you a possible rate. Michael is wonderful to talk to and always provides valuable insights. This has benefits beyond direct customer service, for instance having every seller agent LOVE him, putting a stamp in their mind when sorting through 40+ offers (most 10s of k over asking). With some short discussions, it was clear we could move faster than I had anticipated back in 2021. We were very well qualified, but lacking larger down. Some ideas I had about the funding process were not correct, and money is basically made up anyways, so... When looking for an agent, I talked to several. Ultimately, based on my gut feel with Michael, I went with a recommended agent that he was familiar with, Autumn&Cassidy. They were a very efficient team to work with, and this was a great coordination move. Starting the home search in Jan 2022, the market was molasses slow, rates were OK but hikes were looming scary. With assurance from Michael, this seemed like "the time" to move forward. We went through 2 aggressive offers before winning the 3rd in early March. Getting paperwork sorted with Michael was painless, and he stitched together a handful of very messy bank accounts which eventually equaled my closing cash. Employment history was OK, but that too required some finesse (hey, life is complicated). He took care of our DU instantly once things started getting serious with offers. During the counter and acceptance of our winning offer, Michael was on top of it. Frequent communication, late night texts, locking fantastic rates only hours before increases. I was able to effectively do my entire escrow while out-of-state with Michael's and our agents' help. Not but days into escrow (which was less than 15 days by the way, light-speed), some poor financial logistics put me in a solvable, but tough spot for closing the purchase. Michael was up doing research with me Sunday night after hours, completely responsive and, quite frankly, stable and put together which I was not. Gladly, that was solved, and we moved on to a low appraisal! This is all too common right now, and unfortunately we ended up coming up with the difference out of pocket. This is the market we are in, its not the best but the small difference over time is still worth the purchase of a home in Southern California. Getting a great rate during such an unstable time offsets momentary pain of an out-dated appraisal system in the long term. The lender and escrow that Michael ended up recommending were fast and flexible with our timeline, allowing a crazy fast close. Escrow provided a mobile notary, which was also very convenient. The only speedbumps in the entire process were self-inflicted. I think my largest disappointment in the process has been COVID making it difficult to meet Michael in person, which will happen in the very near future! Michael and his family have personalized this experience and made us feel totally and completely comfortable borrowing existentially large amounts of money. One thing I was not looking forward to was shopping for lenders. Having a broker to essentially work for you to get you the cheapest money is totally worth it, especially when that someone is as effective, personable, and professional as Michael and his family is. I'm sure there are a million other fantastic things Michael has done for our benefit, and as a first time home buyer I would do it all again with Michael. Too bad I can only give 5 stars. I will be coming back to him for refi when the time is right.

It didn't take long to realize that Todd's highest priority is to his clients. Whenever I had a…read morequestion or concern related to the refinancing of my home, Todd would address them either by phone or respond via email as quickly as his time allowed. His knowledge and professional demeanor were outstanding and we so much appreciated his willingness to make us feel at ease during what can be a somewhat stressful experience as a homeowner. Thank you Todd for all your tireless efforts to ensure our refinance went as smoothly as it did. They didn't go unnoticed or unappreciated.

Todd, Amie and the rest of his Team are amazing. Quick in their response to questions, efficient in…read moretheir timing of getting a great rate locked in, professional and easy to work with. They communicated with me all along the way. I got a great rate and in a very short time. I must tell you that this has been the easiest no hassle/frustration free time in getting a refinance on a home loan that I have ever had!              I have been through this a couple of times and this was by far the easiest time I have had with any company. I would highly recommend Todd and his company to anyone interested in refinancing their home. His Team also beat out 3 other competitors quotes. Thank you for help through the process and your team deserves a big THANK YOU for all of their work.

Harbor View Funding was referred to me by a friend who had used them recently to refinance his…read morehome. I used Quicken Loans for my last loan and it went fine, but I was constantly bouncing from person to person in multiple departments over there and I felt like just a number. After working with Michael and the care and attention he gave me, I honestly wouldn't choose any other company. Sure there are tons of mortgage companies, but not with this sense of attention and customer service. Michael and his team always respond quickly to my emailed questions and concerns, often within minutes, even on the weekend. I doubt you will find that with the huge mortgage companies; I sure didn't the last time! Any time there was a form to sign, Michael walked me through each page explaining everything and making sure I was comfortable instead of just rushing me through it. I appreciated that because even though this was my second time getting a mortgage I am still not familiar with everything. Thank you again for making the process as easy as possible and minimizing the stress of getting a mortgage.

My wife and I really enjoyed working with Michael at Harbor View Funding! We were first time home…read morebuyers and he clarified all the questions and concerns we had about the process every step along the way. We felt like we could really trust him and he helped to make the our first home purchase a positive experience. Thank you Michael!

Just finished college and received my first position out of school! Brian helped me get qualified…read moreto buy my first home! I have an approved loan through Brian at Unity West and I am now on the market shopping! I want to thank Brian and the whole team for helping me out as a first time buyer! Will be recommending to all my future home buyers!

Had the best refi experience and I can't thank you enough for taking the time to hear me out and…read morehelp me. I really felt like a close family member instead of just another client. Thank you again!!

If you want a home during this very difficult time for buyers, you NEED Douglas and his team!…read more My husband and I purchased our first home in historically the worst buyers' market ever. My parents are realtors (30+ years) and they referred us to Douglas as they do all their clients. A year before actively shopping we reached out and he gave us advice on our savings, our credit score requirements, market conditions, and more. He thoroughly responded to all my first-time home buyer questions over this time. Then once we were ready to pull the trigger on an offer he jumped in to ensure a same day submission. I have several friends who are shopping right now that have complained about not reaching their lenders on nights/weekends and have missed out on opportunities. In this market you NEED someone who is responsive, goes above and beyond as an industry expert to give you trusted advice, and who acts fast. This is everything Douglas and his team brings. We could not be more grateful for all their work in helping us become homeowners.

Doug was incredible and made every step of the home buying process stress free and seamless. So…read morethankful for him and all he did to help us buy our home. Doug and his team were extremely communicative and responsive to all of our questions and I could not have asked for a better experience.

If you are considering taking advantage of the low interest rates for a home loan or refinance,…read moreconsider contacting Danny Macovei of Candor Mortgage. danny@candormortgage.com 714-503-8234 My PT suggested I contact him after hearing me vent about my refi frustrations. I was pleasantly surprised overall, service and cost-wise. He was very responsive to phone calls and emails even answering the phone with and hour of dental work. Despite that he had a professional and calm demeanor. Good for interacting with when the stress goes up with all the things a person has to collect to get a loan these days. He responded to my emails and calls over the weekend and into the evening hours. A hard worker. I am so happy to be saving a good chunk of change after working with him.

Danny was outstanding…read more Friendly, knowledgeable and always did what was best for his client Worked hard to get best rate and made process smooth and efficient No reservations on recommending to friends and family

Jack was incredible to work with and simplified the entire home buying process. He is responsive,…read moreinnovative, and hard working. Initially, we reached out to him for pre-approval and had a lot of moving parts (re-fi on a house out of state, new job, etc) which he took the time to understand, decided on the best course of action, and gave us a realistic plan moving forward. We were a little nervous about a short 21 day escrow that our sellers requested, and Jack not only hit that time-point, but was all set and ready to close a few days early. We purchased our house down in San Diego, and Jack coordinated from Long Beach seamlessly. I would strongly recommend utilizing Jack as a mortgage advisor to anyone in California, and will absolutely be using him in the future for any mortgage needs.

I am extremely pleased with Long Beach Home Loan's communication, perseverance, and dedication…read more Jack handled our home loan refi, and despite our complicated finances throwing more than a few curveballs, they stuck to it, and we completed our refi. Highly suggested.