I recently had a refinancing doen by the Loan Nerd. John and Corky are incredible. They make sure…read moreall the I's are dotted and T's crossed. They are trust worthy for all your needs. I highly recommend them.

Everyone has different outcomes especially in loans but if you are a buyer or seller this is just…read morereview and others can make their own opinion, our Experience with JCristoff and the Loan Nerd as a seller has been a utter nightmare. We accepted a offer in less than 10 days that our house was on the market from a buyer who used John with the Loan Nerd as the lender and provided us with a loan ( Approval ) a full approval and a 21 day close.the approval letter stated all the Taxes, income and Funds were ( Verified ) and with a quick close we were lead to believe they were through the first round of underwriting, unfortunately this was not the case, now we do not know what the buyer presented to John with the loan Nerd during their initial application but once we went under contract we believe there was no reason to flush out any issues with income and taxes during the 7 day options period at least every lender we have spoken to has told us that should have been known in the first few days. we never heard of any issues and was repeatedly told everything was on track by John and the Loan nerd fast forward to 3 days before closing we were only told there was a small issue in dealing with the VA and it would be resolved on a day , we were due to close on 11/12 after a couple of more days they came back with they needed to clarify something with the VA and they were closed as it was veterans day and asked us to extend for 1 week we agreed since it was already past the point of no return, it was right after the extension only a day we were told the actual truth that the buyer Amended their taxes and those taxes cant be used for 6 months. at no point during the previous 30 days was it relayed any to me or my Agent and possible issues on taxes. as a matter of fact we were re assured all was good. then a few more days later John with the Loan Nerd told us they could not qualify for VA and switched to FHA and that he already SECURED ANOTHER APPROVAL AND SENT To UNDERWRITING AGAIN ( not a Qualify but approval ) This on FHA loan we reluctantly agreed to allow this to go on since we have lost some much critical time and the house has been listed as pending and lost easily one or 2 buyers in that time since 7 houses in the direct tiny neighborhood on the canal went pending in the same criteria since we accepted this offer . well the FHA approval went to the underwriter then needed some clarification and a audit on the Buyers P and L since they were a small Business and needed another week. i want to stress that John with the Loan Nerd has been repeatedly telling my agent multiple times he was 100% confident he could get this across the finish line and promised it was going to close and to trust him and not cancel , this went on for a few days then told us they were waiting on the CPA for their Audit, each time they kept blaming the CPA for the delay in the Audit over the weekend on 12/7 we were finally told that in fact they cant use their 2024 taxes and have to wait to use their 2025 to try and RE-qualify in jan/Feb they have tried to blame the CPA for not being approved due to the delay in the audit but that does not fly with us since they tried a couple of other lenders beside the loan nerd we were told and those lenders said he could not qualify. it was only John with the loan Nerd who kept telling us he was 100% confident he could get the buyers approved and push this across the finish line, in the end We had to cancel it all together and move on at a time when there is not alot of activity and out thousands and thousands of dollars and potential buyers due to John and the Loan Nerd verifying what the buyer presented to him. going forward if we as a seller ever see a offer with the approval letter from the loan nerd we will not be accepting it. we have 0 Confidence in the loan nerd when telling us he can get someone approved

I initially was trying to do business with other mortgage companies but after a while of searching…read moreI ended up looking at the reviews for this company and was pretty intrigued at the high ratings so I decided to give this a shot. Afterwards I was referred to this mortgage company by my realtor and was connected to Derek Mass. My experience from offer to closing has been nothing short of amazing! Even through times of doubt to almost backing out to eventually negotiating for higher escrow credit, Derek has been with me through every step of the way. He was always receptive and punctual with all my questions, and when it came to the difficult ones he met up with the rest of his colleagues to try to find the best possible answer for me. He was always supportive and respectful of my schedule and availability and really tried his best to give me what I wanted in terms of getting my interest rates fixed, extending the deadlines, etc. His attitude was top notch as well. Would recommend this to ANYONE looking for a mortgage lender in California. Make sure to hit up Derek Mass, he'll make sure to give first timers like me a very accommodating house buying experience.

Omar, of Mission San Jose Mortgage offered some good pricing for the refinancing, and took care of…read moreall the items on-line, so well streamlined. It took a bit longer, as lots of loans in process due to the lower rates. Thanks to their team for all the hard work!

Mary Lee is great to work with. We did a new home construction loan with her. We were building a…read morehome on our own land. Mary did a new construction loan, and then after the home building job was completed with the custom home builder we did a second closing. The processes went very smooth on both transactions.

Professional, experienced, and reliable, Torrey worked round-the-clock, making sure everything fell…read moreinto place for us. From the early stages to the finish line, Torrey got things done lightning fast, always making sure we were educated & informed along the way... Thanks to Torrey's help, we were equipped to make a strong offer and 100% confident we could close ahead of schedule! Stellar service!

Rubbish. Absolutely terrible, unprofessional, third-rate mortgage broker. Network Funding approved…read moreour buyer's mortgage and gave them clearance to close on the purchase of our home one week prior to the scheduled close date. One business day prior to closing they notified our buyer that they were no longer clear to close and that close would be delayed 11 days. Their negligence almost blew up the sale of our home which would have ruined our home purchase and left our buyers homeless. I would give 0 stars if I could. Do not recommend.

This is a great mortgage company. They offer great products for so may people. I am a realtor and…read moreit's always easy to find a good rate for people with stellar credit and income. Security national helps me find home loans for my most affluent customers but also the customers who have experienced trouble, divorce, self employed, itin, and so many people. Julia Agusto is one of my favorite loan officers and she is so good at finding loans and programs that get my clients into homes. I love this lender.

Cliff and his team helped us purchase our 2nd home 10 years ago. This year, they helped us…read morerefinance our home. They were extremely helpful in guiding us through the process. They are very professional and courteous. They communicated with us and made sure we understood each step of the process. My wife and I highly recommend him for any of your real estate needs.

From beginning to end, the service I received from NRL was a simple yet pleasant experience…read more Everything was always properly communicated to me , there was nothing that was over looked and if I ever had any questions or concerns there was always someone available to assist me in a timely manner. I don't believe I ever had a time that I felt ignored but I will admit there was definitely times I thought I was annoying them lol. I tested them on their claims of always being available and willing to help me and they delivered . I don't believe I'll ever buy another home, but I also said I never thought I'd buy my first home so never say never and if you need help going through the home buying process, definitely go to NRL because if I ever do buy another home, this is where I'll be coming.

Nicole is knowledgeable, experienced and detail oriented. She's always been readily available to…read moreanswer my questions throughout the whole process, and anticipated most of the required steps to keep me prepared. She's also gone the extra mile after closing with tips and reminders about what to not forget when it comes to tax, mortgage, etc.

Was buying my first home and Nicole was all around fantastic for helping me secure a mortgage!!…read moreVery transparent and competitive with the pricing while also being incredibly responsive, which was a huge plus. Given that it was my first time going through the process, she was patient and willing to discuss all the terms and items that were foreign to me. Would definitely work with her in the future and recommend her for any lending/mortgage needs!!

Thank You HK Lending! Harold and Karen made sure our home…read morebuying process was smooth and painless. Their personal attention to our financing needs is deeply appreciated. We love that they had many buying options for us to choose from and we love that they answered every question we had in a timely fashion. They were with us from the beginning to the end. They even surprised us by driving an hour or two (during rush hour) to join us at closing. Oh by the way, thank you so very much for our special gifts! We love you, we pray for you and your business and we will definitely be calling on you again.

More stars needed! Harold and Karen were the best! Guided us through the process of finding the…read moreright loan for us! Moved from Georgia to Texas and couldn't have done it without HK Lending!!