Derek Torok and the team did a fantastic job working on behalf of my family and I to get the…read moreabsolute best deal that they could get for me. My wife and I decided to do a cash out refinance, and we worked with Derek and the team to get some solid numbers together. I spoke with maybe...5-9 different lenders and their offers weren't as good as Derek's offer. I'm not sure how they're able to get the pricing they do but they really knocked it out of the ballpark regarding the rate, cash back, and streamlining the process as much as possible. My family and I did not end up completing the process with America's Moneyline but that doesn't change the fact that this team handled every challenge that I threw at them, were responsive to my needs, and constantly worked and reworked the numbers to fit my family's needs. Thanks guys!

I recently finished a cash-out refi with America's Moneyline and had an incredibly smooth and…read morepleasant experience - primarily due to my super awesome loan officer, MICHAEL SAADATI - who I truly can't say enough great things about. Having refinanced multiple times in the past, I know how stressful, and anxiety-ridden this entire process can be... back-and-forth emails, countless docs, phone calls, credit reports, all the while trying to make a deadline that only seems more impossible by the day. But fortunately for me, MICHAEL SAADATI was the consummate professional: extremely knowledgeable, very kind, and graciously willing to hold my hand, every step of the way. At no time did I ever feel like Michael was pressuring me, or trying to sell me something that he didn't believe in. In fact, at the very beginning of our correspondence, when rates were less than stellar, Michael suggested that I wait for a better deal rather than commit to something that he knew was less than ideal for me (even at the risk of losing me as a customer). What I most appreciate about Michael was his consistent responsiveness - even when he was unavailable to talk (and I would call him, often frantically, just about everyday), he would reach out immediately after. He never made me feel underappreciated, or that my business was less than significant, as many loan officers have in the past. On the contrary, Michael was unceasingly patient and understanding. I'm sure Michael deals with many clients simultaneously - as all loan officers do - but he never made me feel that way, not once. Everytime I spoke to Michael or asked him a question, or even went on about whatever, he recalled exactly the loan in question, and each time I had an inquiry about some minute detail, whether in the Disclosures or elsewhere, Michael would find the right answer for me. Even when I had a minor glitch with the home appraisal, Michael told me not to worry, that he would absolutely take care of things... like I said before, I can't say enough great things about my man, MICHAEL SAADATI. He's everything you'd want in a loan officer, and more. If you're looking for great rates from a no-nonsense company, pick AMERICA's MONEYLINE. And if you want stellar, top-notch, A+++ service, choose MICHAEL SAADATI as your loan officer. A true, legit 5-star professional who truly wants what's best for you.

This is a very much needed firm for anyone seeking a mortgage on a Laguna Woods co-op…read more My experience was positive with this group, from interface with the CEO to individual staff members. Carolyn Behrens went to bat for me when the lender insisted on a 25% down payment instead of 20%, which I actually put down. From start to finish, this group is professional, efficient, and best of all, on your side.

Responsive & Helpful. THE place to call if you're looking for financing on a Co-op - especially in…read moreLaguna Woods.

I am a real estate Transaction Coordinator and work with many lenders. We just closed and escrow…read morewith David and I found him to be very professional, knowledgeable and easy to work with. I would highly recommend David for your home lending needs!

From the owner: The Adequate Mortgage Service Team is your premier VA mortgage team located in Aliso Viejo,…read moreCalifornia. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution. Located in Aliso Viejo, California, Independent Home Lending works with veterans seeking VA Loans in Los Angeles, Orange County, San Francisco and San Diego.

My wife and I just closed on our first home and we have Andy to thank for skillfully guiding us…read morethrough the process. We originally started the process with another lender, but didn't feel that we were getting the level of attention we deserved. We also had concerns about the interest rate and lender fees we were quoted. Andy was recommended by a co-worker and I am so happy I called him. He immediately pointed out errors another lender had made with my file, found me a lower interest rate, and cut lender fees and closing costs by nearly half. It seemed too good to be true, but as of today we are proud homeowners with the keys in our hand. What stands out the most about Andy is his communication skills and attention to detail. He was always available to us (and to the other parties involved) for questions, but better yet, he gave us a heads up about everything coming our way. We never felt blindsided about anything in the whole process. He took a very stressful situation and turned it into something manageable and comfortable. I look forward to working with Andy again and will proudly recommend him to anyone looking to purchase or refinance a home.

I'm a repeat customer. Matt and Rebecca are very knowledgeable, incredibly responsive and make it…read moreso easy. Thanks!!

It is absolutely incredible how incompetent these people are. I called to make a partial payment…read moreeffective thay day and schedule another partial payment for the end of the month and the first payment never happened, instead, JMJ charged me the payment I scheduled for over 2 weeks out. I called to have this payment reversed as it caused me to go overdraft. The person I talked to was no help and delayed the process more. The representative could see I had the payment scheduled the payment for 9/30 but said the phone call would need to be revied to be certain I never authorized that payment to come out on 9/16 or some earlier date. The representative opened a ticket and said I would hear from by the end of the day. The day came and went with no response. I called back first thing the next morning to find out that the ticket had been opened incorrectly. I asked for a supervisor everything I called because clearly nobody knew what they were doing. The second representative told me I would get a call back within 24 hours. I finally received a call from a supervisor 30 hours later and they told me they made the decision to refund me and the money would be transferred into my account within 24 - 48 hours. 6 days later I got a call that I was later told was JMJ and they needed to know the account information to send the money to, I was at work and could not answer and they did not leave a message so they closed the ticket. I finally spoke with someone who verified my bank information and told me they would refund the money within 4 days. They still managed to tell me that they will report me to the credit bureau if I did not have my payment on time.

I have had an amazing experience doing all my taxes with Peshke Financial. The team is organized…read moreand gets everything filed and completed in such a timely manner. Makes this time of year beyond easy. Thank you!!!!

Chad and his team are awesome. Super quick, organized, and on top of everything. Chad gives solid…read moreadvice, and the whole process is smooth and easy to follow. Honestly, I'm so glad I found them.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Dino and Mario are simply the best. I can't imagine a Southern Californian lender offering a…read morebetter customer experience. When you combine the most knowledgeable, the friendliest, the quickest... the list goes on. So helpful in guiding us along the way and making the home buying experience easier. THANK YOU!

Everyone was infor.ative and friendly. The process went smoothly and I would highly recommend.read more

My husband and I recently purchased a home with the help of Byron, Jinny, Derek and Russell. I…read morecould list a hundred reasons why I love this group so much, but a few that stood out are: 1. From day 1, they've been very honest and transparent and there was never any surprises that could push back our escrow. If they thought that we would have possible issues, they told us upfront and so we were always prepared for anything. 2. If it's your first time purchasing a house, terms and numbers are confusing. But they've explained everything to us so well. And if we found a house that we liked, all we need to do is send Byron the address and he would email us with the numbers which really prepared us for anything! 3. They're all easy to reach. I could email now and get a response in less than an hour, and if it's important, I could get a call back in minutes. 4. Customer service skills is unparalleled. 5. They give you cookies from Cravory cookies (which is to die for). And once Russell found out that we loved the cookies, they sent us another box! So if I could give them 10 stars, I would. We've had such a great experience with this team, and would highly recommend them to our friends and family.

Came here on a Monday evening to discuss and start to understand the (first time) home buying…read moreprocess. I had been receiving detailed instructions and assistance from Byron Watson and his team on how to find the place - and they're located across from the Irvine Spectrum, on the 7th floor of the Smile Brands building in Irvine! As I was ushered into the office, I quickly saw that they were ready for my visit. I was greeted pleasantly by the staff and noticed a welcome board with my name on it - wow, impressed already. After some pleasantries, we got some water and got to work. Byron was extremely helpful and patient when explaining every detail of the home buying process that we could get to in our two (2) hour time frame. This meeting definitely increased my confidence and willingness to buy a home, and I'm glad Byron and team were there to show me the first step! Will remain in contact with Fairway and Byron throughout the purchase and financing process. A very professional and informative experience that is really valuable - definitely recommend to anyone that's new to this stuff as well :)

Was looking through all the possibilities of a teacher loan. I am very particular about who I talk…read moreto. For some reason I answered Paul's emails and phone calls. He initially made me feel comfortable and trust worthy. I quickly completed my application and documents, he pulled our credit, which tanked our credit scores and then we never heard from him again. I called, emailed, text no response. Luckily I found someone quickly who could use those credit reports and got us a loan the next week. I would not suggest this type of professionalism.

Paul and his team were so incredibly thorough and helpful through our entire loan process. From…read morestart to finish, they were always available to answer any questions we had and constantly kept our minds (as first time home buyers) at ease. We cannot be more grateful for such a great team and would recommend them to anyone in need. Thank you Paul, Rico, Emily and everyone else who helped us through our home buying process!