The worst experience possible. Where do I even start. I guess plain and simple, Ana doesn't know much about home loans. First Ana was giving us incredibly inaccurate expectations of loans we could use. She didn't know that loans were different based on a stick built home vs a manufactured home. This is huge change of interest rate from what she has originally quoted us. Next as rates were climbing rapidly, after several percent increases, Ana asked us if we would like to lock in the interest rate. Where is the common sense and common decency? Integrity? She clearly doesn't care about her customers. We found the home. Made the offer. Got accepted. In contact. Our interest rate we locked in at was feeling good but tight. A week before closing Ana realized a huge detail SHE overlooked. We didn't actually qualify for the loan she had us ready to sign. This was after several docusigns had been signed and thousands off dollars had gone into contract. Now we either lose our down payment or are forced into a loan with a higher interest rate by a whole percent more! Ana doesn't know simple math. She tried telling us several times that this monumental mistake she made would only cause a $30 change over the life of the loan it's over $210 per month price difference. I spoke with John the manager and he was nice enough but no help. It's insane to me that a company like this even exists. How can they put their customers in the position of losing so much by mistakes made by their employees and have zero accountability? Save yourself a ton of time, money and headache and go elsewhere. read more

USE SOMEONE ELSE! We decided to use them (we were the buyers) because the seller was offering a credit if we did. In the end..it was NOT worth it. Bad communication, seemed as if every corner they were trying to force hidden charges to the buyer. BAD experience, lack of communication within their team and the seller...felt like they were only trying to make a buck at our expense (elderly on fixed income) Even the inspectors, repair cos. involved were frustrated with them. So glad we are done with them. read more

If you are looking for quality service and detail in getting your home loan -- please go here! Ask for Maureen Torretto. She has helped me every step of the way in getting into my first home. She has not only been helpful and answered every little, silly question I have had, but she has been accessible by phone and email continuously. Her assistant Ana is also absolutely amazing and knows the business as well as Maureen (senior loan consultant). Maureen is nothing short of outstanding! I think in the business world today it hard to find care and patience with the common person in the strange land of mortgage loans, but Maureen and her team have that "mom and pop" feel, with that Wall Street business sense! I can say nothing but THANK YOU for making my home buying experience easy. read more

Maureen, Ana and Mary, This trio went above and beyond to make sure that we closed on time. Every email and call was answered promptly. After hours, weekends, it didn't matter. They were on the ball. They were all very knowledgeable and took the time to explain everything. They went through everything with great detail to make sure the we had everything we needed in order for our loan to go through. I would highly recommend iMortgage (specifically the three named above) if you're looking for a new loan. A big thank you to them! I would give them 10 stars if I could! read more

Our realtor had suggested that we use iMortgage, he works with them often and as a local company it would make our transaction here in Mountain House much easier and run smoothly. We were initially introduced to Amy, who took the time to answer all of my preliminary questions and get the ball rolling on our pre-approval. When we found our home and our offer was accepted, Cindy Diaz took over and was with me at every step of the way. Her communication was spectacular, and she took the time to ensure that any questions that I had were answered and any concerns addressed. There were some days where I would literally e-mail her about 6-8 times, and she was responsive to every single one. She even took the time to call me to update me when she had to leave the office to take care of a personal matter. Overall, I had a great experience with Cindy and am thankful that I had someone who took the time with me and understood that this was our first time going through the home buying process. read more

I wouldn't recommend this place to anyone. I dealt with Amy and she made my life a living hell. She took forever to return my emails (days and sometimes weeks), never returned my calls, she was unclear about what I needed, and she lost my information several times. I know others in my area who have had the same experience. There are many excellent loan officers in the area. I had the money and the credit...so it's their loss. I walked away from this place and found someone who was able to close my loan immediately. read more

This review has been long overdue! First off, I want to thank Celia and her whole team for helping our family with the refinance. We were stuck with a really bad loan last year when we met Celia. I remember speaking to her over the phone and she promised that she would do everything to help us get a better loan. You can really tell when you speak with her that she genuinely wants to help you and that she loves what she does because she loves helping people. She stayed true to her word. They worked with us for over a year. The whole process was smooth. Her team was on point (the lag time was more from my end most of the time) and turn around was fast. They were able to help out get out of that horrible loan. My parents, who are now retired, don't have to worry about losing their house. Thank you Celia and team! read more

Great coming out of the gate.....not much for stamina. iMortgage picked up the ball and finished our transaction in record time when a competitor of theirs stumbled, fell and couldn't recover. We are grateful for their finesse in this instance. Since we've had this loan though - what a mess!! We have payments deducted from our account without authorization; payments increased without notice (and in error - their error). We continue to have issues with their processes. At this point we will refinance to avoid further disruption to our finances - but what a pain this has been!! Unacceptable in this day and age. read more

Debbie and her team are on it. They helped us purchse a home and refinance another all at the same time. They are extremely professional and work fast. They are worth the cost! I will always use them from now on. read more

Keep it moving. Find another mortgage firm. I had a very bad experience with these people. Customer service sucks. I dealt with Celia. Slow to respond, lot of excuses. OMG, just one excuse after another for her lack of response. She is not thorough at all. She is very dry and lacks basic customer service skills. She jacked up the numbers on the initial estimate from the start. I should have known then not to deal with these people. These people also cost me $400 dealing with a non-credible appraisal company. (Apple Appraisal), check them out on Yelp, 100% true. I'm glad to have spent the $400 bucks then to be stuck in a long term mortgage with these folks. There are much better companies out there. Don't be sorry like I am. Updated 8/12/15 Adding an additional star because once this was escalated to the corporate office they resolved the situation to my satisfaction immediately The company was very apologetic and stressed how important it is for their company to provide superior customer service. Unfortunately, Amy and Celia did not provide the level of superior customer service required by imortgage. imortgage deserves a chance, but stay away from the Tracy office. read more

Debbie George @ imortgage is great. Extremely professional and experienced are two words I use to describe her. Her knowledge in mortgages helped put me at ease knowing I was in good hands. Thank you for your help Debbie read more

As a first time home buyer I really appreciated how responsive Celia was to all our requests. She explained the process in a way we could all understand, and highlighted various pros and cons of a bunch of financing options she prepared. I always found Celia to be responsive and I got the sense she really cared about what was best for our family. Although iMortgage rates were competitive, we went with another provider who were able to remove PMI insurance because of where I work. read more

I will never go back to them again. We bought one house through them and, although financing always seems to be somewhat painful, everything worked out. A month later we decided to also buy a condo. Since they already had all of our information, it seemed like a no brainer. After weeks of attempting to contact them, unanswered questions, un-returned phone calls, and an all out unpleasant experience (yes I have it all documented), we came down to the last few days before the deal closed. I repeatedly asked if financing a condo would be a problem. I was overwhelming assured that they had it handled. When the final day arrived, we were told that we could not be financed because it was a condo and not a house. We lost almost $10k in penalties, additional taxes, and lost deposits. These people really have no idea what they are doing. Sorry Debbie, but the truth hurts. read more

Maureen and her staff are the best! They made our loan happen when two other companies could not. Just when my wife and I had given up hope, we contacted them and our problems were solved! They are one of the most professional, caring, ethical and knowledgeable companies we have ever dealt with in any business. I have recommended them to family and friends without hesitation, and even though we moved to the San Diego area, I still would never use anyone else. Thanks for making our dream home a reality Maureen! Like someone else said, you are a 10 star company but 5 is all they will allow here. read more

After searching for several months for a home, my Realtor recommended I use imortgage for my home loan, as this would help to stregnthen my offer when submitting locally in Tracy Ca. I was hesitant because I did not know of imortgage. Now I am so happy I trusted his advice, I was introduced to Amy Costa and I have been blown away by her level of professionalism & knowledge of the mortgage industry. She has walked me through the process of buying my first home...without her I wouldn't be a home owner today. I have been so happy with the way she replies to my emails so quickly and always has the answers to my questions. Now I know why she came so highly recommended, Amy Costa is the BEST! I am looking forward to working with her again someday :) read more

Maureen Torretto was our phenomenal Senior Loan Consultant! She assisted us in purchasing our home, that was very difficult for us, but a breeze for her! She is extremely professional, gets all of the needed information to make the transaction happen! Mary Keehan eased the transaction for being our astonishing Loan Specialist! Having Maureen & Mary providing extravagant time pleasing results as a team they both sure enlightened our home buying experience! Imortgage in Tracy certainly gets 10+ stars!!! Thank you Maureen Torretto and Mary Keehan! read more

These people eventually closed the deal, for about $200 a month more than their final written estimate, after more than 2 months of incompetence. They asked for documents 2-4 times, including some they were informed, in writing, did not exist. I recommend Mike Bott at Summit Funding. Summit will get the loan done correctly, honestly and timely. Andy read more

My wife and I bought our 3rd home a few months ago, but with all the hustle and bustle of enjoying the summer months and as they are coming to a close, I would like to to take moment and graciously thank Maureen Torretto and her team! We needed to move quickly and we sure did...closed in a short amount of time and Maureen and her team were great and easy to work with. We truly appreciated the constant communication through the entire process. Working with Maureen and her team isn't just a transaction, she provides a personal touch, and extensive knowledge about the mortgage business you wouldn't think to consider. We both chuckle about how we wish we worked with Maureen before! Thank you again Maureen Torretto! read more

Worked with Debbie and her staff and had a great experience. I purchased my first home on my own (previously with a deceased spouse) and was a little nervous, Debbie and her staff were great, walked me through the steps and made me feel comfortable. Got to know Linda really well because she is the one I worked with the most and I was treated with great respect and she was very professional in all my dealings with her and Debbie. I would highly recommend iMortgage. read more

I contacted Debbie at imortgage when I was thinking about buying a house. I told her what I was looking for and the location where I wanted to live. She instantly knew a house that would be perfect for me and my daughter. She was right, it was perfect. Linda started emailing me and calling about the paperwork she needed from me. Linda was wonderful. She was on top of everything the whole time. She answered any questions I had and explained things to me that I didn't understand. Both ladies made sure I had a 45 day close with no big issues. These ladies were very professional and genuine at the same time. I never felt like I was just a client. They treat you like family and when the process is over they are truly happy for you. It was a very positive experience and I would recommended anyone to these ladies. Thank you imortgage for everything! read more

Everyone knows that buying a house can be one of the most stressful purchases a person can make. If you would like the stress and anxiety involved with buying your home to be exacerbated by your mortgage lender, then by all means call imortgage. If you prefer to be treated like a competent adult by a broker who is upfront and honest, telling you the truth vs. what they think you want to hear; doesn't overpromise and then avoid you when they can't deliver; and instills the confidence in you that you need to make a strong offer on the house you want, then I would highly suggest you contact another lender. read more

Worst mortgage company in Las Vegas. Not sure how they run in other cities but I was supposed to close over a month ago and even though imortgage gave approval before I put all of my savings into the house, when it came down to closing escrow, nobody returned my calls or emails and the only people I could get a hold of told me that I wasn't approved for my loan. Now I not only lost my new house but my savings as well. STAY AWAY FROM THIS COMPANY! Use your own bank instead. read more

find someone else, they even don't know the pre-qualification process. they ran my credit without my permission first before doing their homework and add up numbers for loan. read more