1. Jomar Financial

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West Covina, CA

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Jomar Financial

5.0 (1 review)
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Meridox Real Estate and Mortgage - Linh Tran - Broker

Meridox Real Estate and Mortgage

(126 reviews)

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.

Ernesto Garcia - Elite Fundings

Ernesto Garcia - Elite Fundings

(55 reviews)

Could not recommend Ernesto and his team more. He recently helped guide/strategize a significant…read morehome purchase during a really tricky time for home-buying. We couldn't be more grateful for his expertise in helping us find and land the best possible loan for our situation. We believe that his understanding of the current lending landscape helped lock in the best rates, saving us so much money over the life of our loan. Ernesto and his team went above and beyond collaborating with our agent, the sellers representatives and everyone in between. Ernesto was responsive, thorough, thoughtful, knowledgeable, kind, and patient. He answered all of our questions in a way that felt relevant in these tricky times. He had our best interest in mind every step in the way. We felt safe with him and his team and wouldn't go to anyone else in the future!

Here's a polished ~100-word review you can use:…read more Ernesto was absolutely fantastic to work with for both my initial mortgage and later refinance. From start to finish, he was knowledgeable, patient, and incredibly responsive. He took the time to explain every option clearly, answered all my questions without rushing, and made what could have been a stressful process feel smooth and manageable. Ernesto worked hard to find the best rates and terms for my situation and kept me informed at every step. His professionalism and attention to detail truly set him apart. I wouldn't hesitate to recommend Ernesto to anyone looking for a trustworthy and dedicated team.

Thomas Rios Real Estate Broker - Thomas, my wife and Me. First time homebuyers!

Thomas Rios Real Estate Broker

(32 reviews)

Our homebuying experience was a wild one due to Covid. Thomas throughout the whole process was very…read morepatient and above all else compassionate and understanding of our situation. We never felt pressured and we always felt that he had our back, and was always at the ready when we saw a house on RedFin and were acting like children in a candy store, and also handled my wife's neurosis beautifully and with patience. Because of Covid we were having trouble getting any traction on our offers, and Thomas went above and beyond in the process and did his best in helping us submit our best offers. The house we are now going to call home, almost didn't happen because I was tired of the process and had lost hope in finding a home. Thomas gave us a gentle nudge and just kept his optimism on and sure enough, the next day we saw the house/condo and a few days later we were in escrow. Part of that was his great communication, being on top of things and also helping us work through so many obstacles we faced because of my 401K's rules. Throughout the home buying process Thomas was right there by our side, making sure things were taken care, and our loan docs were all in order and that all our questions were answered. I consider Thomas a part of our family now.

I met Tom while checking out a home in West Covina where I live. I want to sell my house and buy a…read morebigger home, he was able to answer my questions and offered to give me a free report of comparables so I know what my home is worth first. He also explained the mortgage process, and knows people that can preapprove a loan for my complicated transaction, although I think I got the mortgage part covered thru my credit union. Since I work long hours, I dont have a very flexible schedule to view homes, so he's been patient with me and my family, showing homes at my convenience at odd hours and short notice, now that's customer service. I now have him helping me sell my home so I can get a bigger home!

Jomar Financial - mortgagebrokers - Updated October 2026

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