I had a very pleasant experience during our refinance transaction. The loan officer patiently…read moreexplained the pros and cons of different options and qualification criteria. He followed up when we needed it, and kept the application moving. Even our appraisal was fast. At times it looked like we may not reach the finish line, but he made it happen.

emortgage capital representative clark livingston made the refinance process easy and saved me from…read moremaking a bad decision. he is a pleasure to work with and who i will refinance through, henceforth. thanks clark. john weyers.

I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner,…read morePam worked with me and provided amazing service and high quality of work. She was able to answer every question I had and helped make the most of my money. Even a month after closing, she still answered any other questions or concerns I had. 10/10 would recommend

Pam was absolutely wonderful to work with. In my experience, there are only a few people I've…read moreencountered who are truly amazing at their jobs, and she's one of them. Working with her felt personable from start to finish. She made it clear our best interests were her priority the entire way through. She was incredibly helpful, guiding us through every step of the process and making it as simple as possible. She was always readily available to answer questions and lend a hand whenever we needed it. If anything, she works too hard! If I could give her 10 stars, I would. I highly recommend her.

Although we ended up choosing another lender for our refinance I had to write this review!…read more I emailed James and spoke to him over the phone a couple times during our refi process. In short, I felt like I was talking to an old friend. He was clear, patient, easy to talk to and incredibly helpful through the process. For any future loans he will be the first person I will call. Thank you James - you are sincerely appreciated!

Steve Lopez at Clear Mortgage Capital caught my attention because he advertises lower rates…read more Unfortunately, that turned out to be misleading, as there was no follow-through once I actually engaged him. After I sent him my financial documents to get pre-qualified for a property I was submitting an offer on, he stopped responding. I followed up multiple times by email, text, and phone. When he did respond, he repeatedly said he would call me back, but he never did -- this happened twice. Because of this lack of follow-through, I lost the opportunity to move forward on a triplex I was trying to purchase. He only reached out again after I contacted one of his colleagues. When I later called him back, he again said he would call me in a few minutes and never did. At that point, I stopped reaching out because none of his promises were kept. This experience was extremely frustrating and unprofessional, and it cost me a real opportunity to purchase a property. I will not be using this lender for any future transactions.

As first time homebuyers, we knew nothing about the loan process. Mina was recommended to us by our…read morereal estate agent and many of our friends used her when purchasing their homes. Working with Mina was a dream! She explained everything simply for us and showed us different options to financing our loan that could help us save money up front. Mina is quick and responsive. She turned around our preapproval within 24 hours! I highly recommend working with Mina and her team fo your mortgage needs! We will be referring her to our friends and family.

Mina was absolutely amazing to work with. We were referred to her by our agent, which turned out to…read morebe one of the best decisions we made. From our very first call, we were extremely impressed with her knowledge and professionalism. She took the time to truly get to know us and understand our homebuying goals. As first-time homebuyers, the process was entirely new and, at times, overwhelming. However, Mina has a calming and reassuring presence that helped alleviate many of our concerns. She was able to help us close on a very tight timeline, which made our offer stand out. She also turned around mortgage scenarios quickly for multiple properties we were interested in, with varying financing options--sometimes even multiple times in a single day. Every time we spoke with her, she was transparent about the process and clearly communicated next steps. Thanks to her diligence, she was able to lock in our rate just before they increased significantly, which we are very grateful for. She was always available when we needed her, and we truly could not have asked for a better lending partner. We look forward to maintaining our relationship in the years ahead as we settle into our new home.

Impeccable Communication & Professionalism!…read more Jennifer was instrumental to having our offer accepted. She guaranteed a quick turnaround for closing and was immediately available for help during the entire process! If you look at all her other reviews, it's a no-brainer that you reach out to have her represent you. She's transparent, knowledgeable, easy to work with, and will provide you with as much information possible to make informed decisions. If she's unable to answer your questions, rest assured that she will find someone for you! It's impressive how she maintains the same level of service for all her customers--you won't regret it!

Jennifer was instrumental in helping me purchase my first home. I cannot say enough great things…read moreabout her and how easy she made this process!! She helped me lock in a great rate and helped make any hurdles or bumps in the road as smooth as possible. I cannot recommend her enough!!! Thanks Jennifer!

Honestly, this was a much smoother process than I expected. Nicholas Falini and Mari Ungos were…read moreboth great to work with and made everything feel pretty straightforward. Nicholas was super quick with everything and didn't waste time going back and forth. He explained things clearly, got right to what mattered, and that made it really easy for me to make decisions without second guessing. Mari stayed on top of everything behind the scenes and kept things moving. Anytime something came up, she was already on it, which took a lot of stress off my plate. Overall just a really solid experience. If you're going through a loan and want people who are responsive and actually make things easier, I'd definitely recommend them.

After I contacted them they sent me this email From West…read moreCapital Lending in CA One gets these emails encouraging you that you can get a Heloc/Equity line of Credit when the final decision from the underwriters you can't. Hi Marylou, Killian Kidd at WCL has started a HELOC application on your behalf. WCL helps you access the cash you need by tapping your home equity with a HELOC. Here's what's next: Customize your offer Choose from a variety of rate, term, and payment options. Complete your application Digitally verify your identity, income, and speak with an eNotary*. Voila! Funding in just a few days! The process is fast, easy and only takes a few minutes to complete 100% online. Continue your application The application was continued over the phone explaining all they needed to know to determine a equity/Heloc only to find out this company based out of California and their underwriters did not approve going forward. This company knew where I lived in Florida and denied going further with my applications according to their underwriters. This company refused to take on the difficult circumstances of my son as co-owner and living in NY as I live in the residence in Florida. I would not consider to use this company.

Erik Board understood from the beginning that we were well-qualified buyers that were going to shop…read morearound for the best rate, as this was not our first home purchase. Erik was willing to compete to provide the best rate, terms, and guaranteed on time closing. He provided a quick pre-approval letter that was needed to make a more competitive offer to the house sellers. He was transparent on budget and the money down that would provide the pricing. Following the home inspection and our intent to proceed with staying under contract, he provided the best loan estimate and fixed rate with no points from a pool of five different lenders that were all in competition for my business. Optimum First won out with a loan estimate that the other lenders couldn't beat. Everyone at Optimum First was very responsive, even at odd hours or weekends. We were moving from Virginia to Texas and with Optimum based out of California, the time zone difference played to our favor since we could email and contact them after work on the East coast and they would respond the same day with the three hour time zone difference. Make sure they lend in the state you are considering on buying. They are CA based and cover a lot of states, but I am not sure if they cover all of them. After we committed to using Optimum First as our lender, we generally had no issues with loan processing and providing necessary documentation or follow-up info for underwriting. However, one word of advice is I would recommend as soon as you know you want to stay under contract (likely after your home inspection) and proceed with the house you want to purchase, obtain your final, bound homeowners insurance policy with your preferred provider (not just a quote, the policy) as soon as possible. This will be needed with Optimum First for your clear to close letter and any buyer financing requirements stated in your contract. It will help make sure you close on time to make sure the policy is in place as soon as you can get when you commit to Optimum and go into underwriting.

The loan officer who assisted me in obtaining my mortgage did an adequate job. Not great, not…read morebad, adequate. I was notified by Optimum several months after the mortgage was written, that they had failed to secure my identity and financial data, putting me at risk for credit fraud. Given the a voluminous amount of financial & identity data which mortgage processors require, its very disconcerting that Optimum did not take adequate precautions to ensure the security of my data.

Worked for Kind Lending at Glenn Stearns' estate (owner of Kind Lending) in Pelican Hill. Behind…read morethe luxury is a cold, careless operation. Leftover party food is handed to staff like it's a perk. Employees are forced to work in the rain. People are hired and fired without warning--no regard for families or livelihoods. The so-called "Chief Kindness Officer" is anything but. There's nothing kind about Kind.

I suggest avoiding them at all costs. My loan was transferred twice but they still had it as theirs…read moreso their servicing agent Loan Care was borderline harassing me about non-payment (even though I've been paying their assignee). I opened a case with their servicing agent and submitted all the paperwork. Weeks go by without any results (while they were still calling me about payment). When I gave them the case number and asked to speak with someone higher up, they just say my case has been transferred to an expert to resolve without providing any further info. Weeks go by before my mortgage broker finally called his contact at Kind and things seem like it was getting resolved. Then I receive a correspondence that they were transferring my loan to the first lender they transferred to but it should have been the 2nd one, the correct one. Here we are, good 4 months later...

Helen Kim is an amazing loan officer!…read more Two weeks before the closing date on my first dream home, my initial loan application was declined because my prior agent forged documents and fraudulently used another officer's name. I was terrified of losing my first dream home. Helen stepped in, took control of the situation and worked tirelessly to get me fully approved in just two weeks! She fought hard to correct the previous agent's misrepresentations and made the entire process incredibly smooth, fast and completely flawless. She truly saved my dream home purchase and fought for me when I needed it most. I highly recommend her at New American Funding -five stars is not enough!

Helen and her team go above and beyond. Helen is very responsive and honest. She was patient,…read moresupportive and understanding of our unique situation. We met about 13 years ago, she helped us get our house for the 1st time. We reconnect just last month and fortunate and happy we did. We are happy with the outcome and will continue to do business with her. Thank Helen! Blessings!

From start to finish, Michelle and her team were awesome to work with! She made sure I got the best…read morerate. They were prompt and responsive to any questions I had. I appreciate that they took the time to explain what was happening every step along the way to reassure me and makes me feel comfortable. This team is very organized and detail oriented. I had to change in the middle of the process and there was no questions or hesitation to my request. She also gave me great suggestions to make sure I would not pay additional fees. We were still able to close pretty fast to the original commit date. I worked with many brokers and they exceeded my expectations. I look forward to working again together some day.

I have been trying to get a hold of someone at Loansnap but nobody returns phone calls or email…read more Website is down since Aug of 24. Can someone please reach out to me please. Brian D