Getting a loan is more complex than buying a loaf of bread. It's more than financials. You need…read moreservice -- knowledge and availability. Austin's team was there to help me pull my financials, to identify which credit bureau hadn't released our credit freeze, knew about FAIR homeowners insurance, and helped get the correct format of the account wire histories required by the underwriter. We had a short 10-day contingency window for our escrow, to improve the odds that our offer would be accepted. We were willing to do it without a loan, but it would have been bad financially. My financial advisor was pushing hard for me to get a loan with a large lender, so I applied with them too. But they didn't care about my 10-day window. They didn't tell me about my credit freeze, probably because they hadn't run my credit yet. Turnaround for answering my emailed questions about early payoff and ARM timeline was two days. They must have bigger deals to attend to than a homeowner loan. Go with a local person who cares.

Austin and her team are wonderful! They get the job done and are always responding to any questions…read morein a timely manner. This team cares and they do a great job. Thank you Austin and Amber!

I wanted to say thank you Kelly for the help you gave my Mom and I on her refinance. It was super…read moreeasy and everything worked out perfectly and QUICK. Even through the holidays! She was kind of stuck in limbo with her situation before I called you. Now she has some cash in the bank, one monthly payment with everything included, and you even saved her money. And as a long time retiree on a fixed income, that is HUGE. Add to it, she has the Cornerstone app on her tablet and bank account linked and she's all set to make her first payment! Easy Peasy! You are the greatest and I appreciate all the umpteen times you have handled things for me in the past with my own mortgage. You and the entire team are truly a pleasure to deal with, and I can't recommend you enough.

Kelly and her team (Dawn is amazing) helped us secure our home in San Diego. This is the second…read moretime we have worked with Kelly and there's just no one else we would choose to work with than the Kelly Marsh team. Kelly was ALWAYS available and answered every question we had. Her advice and wise counsel helped us finance our new home in Oceanside, CA. Thank you Kelly for your patience, your availability, and also to your wonderfully kind team! We couldn't have done it without you!!

David and his team are amazing! This is the second time that I've had the privilege to work with…read morehim. David is incredibly professional and goes the extra mile in every step of the real estate process. We worked with him to purchase a new home and sell our old house in SB. David is also very well connected in SB, and this really helps in a town that values local connections so much. I would highly recommend David and his team and will work with him again if there ever is a "next time".

I can't say enough good things about David Kim and his group. Selling a home can be overwhelming,…read morebut they made the entire process smooth, professional, and stress-free. From the start, they went above and beyond, coordinating staging, cleaning, and even last-minute touch-ups to make sure everything went smooth. His knowledge of the Santa Barbara market was clear from day one. Communication was always prompt and clear, and I always felt like I was in the loop from not only David but from everyone on his team (Devon & Sofia). If you're looking to sell in Santa Barbara, this is the agent you want in your corner. Thanks again!

Jeff was a pleasure to work with! He was very knowledgeable about the market and responsive to our…read moreneeds. Most importantly, he got the job done!

Jeff was great! He was always available to answer questions regarding my loan. He worked…read morediligently to get the best rate and also went above and beyond to get the loan through in time. He was always helpful in explaining the process to me and made the entire loan process much easier. Highest recommendation.

We cannot recommend Michele highly enough! From the purchase of our very first condo to its…read moreeventual sale and the recent purchase of our first house, she was with us every step of the way--and truly went above and beyond in every possible sense. She helped us deal with a complicated insurance issue and was very responsive the entire time. Michele and her colleagues took the time to walk us through every step of the mortgage process, explained all our options clearly, and always made sure we felt comfortable and confident in our decisions. Thanks to Michele, we are now closing on our first home--and we couldn't be more grateful. If you're looking for someone who's knowledgeable, trustworthy, and truly committed to your success, pick Michele!

We reached out to Michele many months ago to get prequalified. In this crazy market, this was just…read morethe first step to get "seen" by any seller, of course. Because things were so competitive, it took us a long time to find something that was the right fit and in our budget. (Michele helped us know exactly what our budget was.) When we finally decided to put an offer in, I called Michele and asked her how long it would take her to get her letter in for us. She had it to our real estate agent the next morning ready to go! When our offer was accepted, she helped us figure out how to maximize our loan and gave us very clear and well-explained options for moving forward. She was readily available to speak to whenever we needed- even in the evening because of our crazy work and kid schedules! I would highly recommend Michele for your loan endeavor!

Was not impressed by my experience with Guy. Felt like a throwback from the sleazy old mortgage…read moredays. Do yourself a favor and work with a local broker that actually knows the area and will see your loan to closing. Before leaving town on vacation.

I have no complaints whatsoever…read more Guy and Yukiko helped me put a plan together and we easily executed the plan shortly after. They did not offer erroneous solutions and steered me away from frivilous spending, which in the end benefitted everyone involved. Will definately refer and use their services moving forward.

Craig has helped us obtain mortgage loans on two occasions already. He always looked for different…read moreoptions to find the right product that suited our needs. Throughout both times, Craig has followed through each step of the way to make sure we understood the process and the documents sent, tirelessly explaining all of the details and what should be expected. His professional dedication is well appreciated and hard to find. Working with him twice speaks to our trust in his exemplary service.

Craig makes it look easy. With his experience and professionalism, he helped us find the right…read moreproduct and terms for our situation. We thought we knew what we wanted, but we were wrong.. and Craig knew instantly. We got fantastic terms and great financial advice!

We have been seeking Corner Stone Home Lending guidance for…read morenumber of years now. We always go to Kelly and the Team for our finances. The knowledge and supportiveness of Kelly's Team is outstanding! We would like to congratulate Kelly and her team for providing such a distinguished home lending services for this area. Thank you very much, and all the best!

Cornerstone was the key to help me go through the whole and long process of buying my very first…read morehome! They have a very specialized group to help from beginning to end. They were all very responsive every time I had a question. They were always very on time with the deadline for a fast 30 day escrow. You should choose Cornerstone as your local lender! Thank you Kelly Marsh, Heather Ntem and Chelsea Kootstra, you ladies rock!

If you haven't applied for a mortgage loan lately, you're in for a big surprise -- on the heels of…read morethe last banking crisis, it's a grueling process and you need a strong professional to get you through mounds of options, paperwork, and lender requirements. McAdams Financial Services just secured a fantastic loan for us, and I can't say enough about the their efforts on our behalf. They are thoroughly knowledgeable, responsive, service oriented, and highly respected in the industry, which I believe is how they get the best rates and lenders eager to acquire their clients. Gail McAdams keeps a close watch on the prevailing economic indicators and has an uncanny sense of knowing which mortgage companies to pursue and when to lock. This is the third loan we have gotten through Gail McAdams, and each experience resulted in securing terms that beat any of the other offerings out there at the time. I have referred multiple friends to McAdams in the past who have had equally successful experiences.

From the owner: Family owned mortgage brokerage serving Santa Barbara for over 40 years.read more

Peter is from a family of trustworthy mortgage brokers. Helpful, patient service is the old…read morefashioned kind of service that probably is hard to find these days. Over the years have kept in occasional contact with Peter and one can depend on his being there to help without further hidden agendas, as what happened with one of my friends who had a negative experience at a local bank. Home town guy who upholds a tradition of professional helpfulness. Recommended highly, especially over slick banks who are beholden to their bosses far away or overseas.

I was very pleased to have partnered with Peter Trent for my home mortgage financing. He's an…read moreexpert who works hard to find the best rate with reputable lenders. His communication skills are top notch, he's very clear in explaining the process, necessary documents required and providing timelines. He is patient and will answer any questions (I had a lot!) at any point in the process. There are a lot of choices when searching for a loan provider and I wasn't comfortable using an online service. I wanted a real person to be my guide. Peter delivered and found a great financing program for me. I highly recommend contacting him to discuss your loan.