Yelp Review…read more Jackie Cuneo at Exception Lending is a gem to connect with--even before any formal business is done, she treats you with care and respect. Her advice is incredibly professional yet warm, and it gave me real clarity during a stressful home financing journey. If you're looking for someone who listens and truly supports your long-term goals, Jackie is that person. I'm excited to continue this path with her. -- Rohit Behera

Working with Jackie has been an absolute pleasure from start to finish. As a first-time homebuyer,…read moreI had a lot of questions and uncertainties, but Jackie was incredibly patient, informative, and extremely knowledgeable throughout the entire process. She took the time to explain everything in clear, understandable terms and always made sure I felt comfortable and confident with each decision. What really stood out was her ability to break down complex mortgage details and guide me through each step without ever making me feel rushed or overwhelmed. Jackie's calm and professional approach turned what could have been a stressful experience into a smooth and even enjoyable one. When I was looking into buying a second property, there was no question in my mind about who to turn to. Jackie continued to be just as responsive, insightful, and supportive as she was the first time around. It's clear she genuinely cares about her clients and wants the best outcome for them. I can't recommend Jackie enough to anyone in need of a trustworthy, experienced mortgage broker who goes above and beyond.

We needed a loan for a home and I decided to go to Jeremy instead of directly to a bank. They were…read moreable to find a better loan for us than what our bank was able to provide. Jeremy was available any time I had a question and my loan was approved earlier than I expected.

Oh what a disaster this place is. With so many other options I don't know why I put myself through…read more"working" with Jeremy Forcier and his awful assistant Elizabeth Rantissi (whom you will only be working with). Jeremy made it sound like it would be easy getting our mortgage with him and that he would take care of us every step of the way. I spoke with him once when he sold me on this and then again about 6 months later after I'd been through hell dealing solo with Elizabeth his assistant. He was no where to be found during the entire process! He would just always refer me back to assistant. He's one of those Tony Robins followers trying to act like he's successful and has all these lofty sales goals but provides ZERO support during the process. Now onto his assistant Elizabeth, she is completely cold and demanding. We were so excited about buying our home and she made the process a nightmare! She wasn't helpful with any questions, I literally had to figure out the process online and watch Youtube videos because she just requesting more docs and more docs. She literally could give a crap if you get funded, I've never dealt with someone so unprofessional. In conclusion we were able to close no thanks to Jeremy or Elizabeth, there are so many brokers that are begging for business right now save yourself the pain from working with this guy!

When I have questions I come to AHL. Scott is one of the most knowledgeable people in the biz. He…read morehas no problem telling you everything you need to know in a very no-pressure kind of way. They are always finding new ways to improve their business, stay on top of the market and know exactly whats going on the the real estate business. Whether you are looking to refinance or purchase a new home, talk to these guys first!

When we were trying to get our first home, choosing Scott was the best choice we could have…read moremade...he was able to answer any and all of our questions and was so patient in dealing with 1st time buyers... His experience guided us in cleaning up our credit... His advice was crucial in getting us the best interest rate and we strongly recommend Scott to anyone who needs a competent resourceful mortgage broker!!!

Brent and team were great, really proactive super fast and will literally call the listing agent…read moreand work a 14 day turnaround to help secure you the property you want. Brent was patient and gave me a great overview of the process, how the rates are determined etc- he really made an overwhelming process manageable and I would recommend him to anybody.

Poor communication and poor follow up…read more We looked into a loan program through this office and while the initial contact was good, after they received all our information, communication fell short. Very disappointing.

Shawn was fantastic to work with from start to finish. He was able to close our loan in under a…read moremonth with a very competitive rate. Even during Covid, the turnaround time for reviewing documents and answering questions was very quick and most importantly he was always transparent and honest when having discussions about the mortgage process. I would definitely recommend reaching out to him if you are looking to finance a property in California. Thank you again Shawn!!!

From the owner: As your local home loan specialists, we offer Low rates & Fast service . Offering Residential &…read moreCommercial Mortgage Loans featuring FHA/ VA/USDA/Conventional 30 yr / 15 yr fixed rate programs, First Time Buyer Down Payment Assistance Programs, 30 yr and 15 yr fixed rate Refinances. Pre-Approvals/Pre-Qualifications available within 60 min.

Patricia and her group did a fantastic job helping us through very complicated financial…read moresituation. everyone involved was so professional and pleasant. Sandra says "they're awesome!"

Run, don't walk away from the most unprofessional people I have ever dealt with…read more They ran our credit 3 times which In one month is very harmful to your credit. This was after being incredibly unresponsive. Then they offered us what can only be described as the worst loan terms currently available. We left and went to Exchange Bank and were offered fantastic terms immediately and just closed on our dream home today. I don't know who their target demographic is. But we came in with $180K and fair credit and they treated us like pariahs and damaged our credit. Needless to say, the "friend" who recommended them are no longer trusted.

STAY AWAY liars work here!! This loan broker lied about quick 21 day close causing me to…read morecontinually wonder about the status of my loan. When COVID19 hit, no communication about my loan or how it would affect acceptance. Two months into process my lock expired snd rates crashed. Naturally i wanted to renegotiate. I was ignored on multiple calls and emails for two weeks! (CAUSING RATES TO GO UP) I had to get my husband involved. Of course HE GOT prompt assistance. This would upset anyone. Then they refused a major source of income at almost the end of the underwriting process causing us to pay off $20k in credit cards with our mortgage after ignoring multiple documented sources of income and free capital! When i sent an email expressing my displeasure in a professional manner, i get an irate call attacking ME for my "tone"! This is a common attack by a sexist! He went on to blame me for all my problems in the "relationship" it became uncomfortably personal and he spent 20 minutes blaming me. Furthermore, who attacks their customers? To top off the whole awful process, they sold our mortgage to some no name servicer with a horrible customer service rating, lawsuits and CFPB complaints for false foreclosure proceedings! This after he lied and said he sold mortgages to WellsFargo, Chase or other REAL BANKING INSTITUTIONS! PLEASE STAY AWAY!!

Martin and his team are outstanding! Great communication throughout the entire escrow process!…read moreMartin took the stress out of buying my home! As a Realtor, I can refer him to my clients knowing he will get the job done. I trust him 100% and refer him to my friends, family and clients.

I would give more than 5 stars if I could!…read more Scott Lawson is an incredible mortgage broker. As a first time home buyer, he made the process so seamless. I had absolutely no idea what the home buying process entailed, and Scott did an amazing job helping me through the entire thing and answering the dozens of questions I would call and ask him almost every day. He was extremely communicative and kept me in the loop which helped ease my nerves, and was always willing to explain everything in an easy way for me to understand. I would highly recommend working with Scott to anyone looking to purchase a home. It was an incredible experience and I feel so lucky to have had him to help through the whole process!

If anyone is looking for a straight killer in the feilds of home loans Scott is your guy!…read more This man worked day and night for me. Met with me at my home at 8 o'clock at night twice. Worked around my schegual. He went to offices of poeple he needed my info from. This man is best described as a Robot working non-stop to get you your loan hitting all targets with precision and accuracy. Thank you for everything Scott

Brenda really went above and beyond in trying to get my refinance approved. Unfortunately at her…read moreprevious employer they were not very flexible, and my complicated financial situation required someone willing to understand the explanations I provided. She says that her current employer is much more applicant-friendly. I did refinance with someone else before she changed companies, but I would definitely use her again as a loan agent. She really worked hard for me. Thank you Brenda!

From the owner: Mortgage Loans - Purchases and Refinance. I work closely with you to maximize your purchasing…read morepower and to determine the best product available to build your financial future.

My wife and I moved from the bay area down to San Diego. Although we were not in the area Terry…read moreCole was the man. With everything going on with the move the easiest part was the loan. He took care of everything. I've gone through 6 previous loans and this by far was the best. We had a strict deadline and he finished it earlier. AMAZING!!! I will always use Terry going forward. Thank you for everything.

I have done business with John and Terry Cole at Golden Gate Financial for over the past 15 years…read more They were able to get me the financing to purchase my home at a time that I was not sure if I would even qualify and they were able to get me approved and at a very low interest rate. They have stayed in contact with me over the years to make sure that all of my mortgage questions are answered as well as keeping me updated on any trends in the industry that could benefit my financial position. If you are in the market to buy a home or refinance your current mortgage I would recommend Golden Gate Financial to anyone as I know that you will be handled in a professional manner and they will do their very best to make sure that your interest rate and closing costs are the lowest they can possibly be based upon what other mortgage companies can offer.