HANDS DOWN BEST BROKER AROUND! Worked round the clock non stop for our family to get us the best…read moremortgage loan for us. Melinda is very professional, experienced, and is such a wonderful caring person. We were blown away at how fast she responds to any concern or question that we had along the way. Always having our best interest in mind. Look no further you have found a gem! HIGHLY RECOMMENDED!

Melinda is so awesome! I started working with her before the COVID-19 pandemic and she got me…read morethrough everything very smoothly as if the world never even shut down. She kept in contact with me and made sure I was getting the best rate possible. Never once did I feel like she was trying to make money off of me or benefit in any way. She's definitely a genuine and honest person, and those kind of people are very rare in business dealings. The only thing I'm sad about is that I never had a chance to meet her in person to give her a great big hug!

Jeff Anderson is the most professional and helpful person I've ever met in this business. After…read morecalling several local lenders, I was fortunate to find this company! Thank you Jeff !

My experience with Rancho Capital was great! As a first time home buyer the entire process can feel…read moreoverwhelming. Thankfully, we had the guidance and experience of Danny Espinoza. He was extremely clear in explaining to us our loan options. He made the entire process as simple as it could be. We are confident that choosing Rancho Capital was a great decision. We definitely recommend and especially recommend Danny's assistance. (Also, Danny closed on our home sooner than expected which was a huge plus).

I just want to start off by saying I 10/10 recommend Alex Rojas to everyone! I started my home…read moresearching process in March of 2026 with no idea what I was doing, I just had a dream. We were referred to Alex by our real estate agent, and we sat down and spoke to him. Immediately he answered every single question, made us feel so comfortable and confident we were making the right decision. We left that day with so much knowledge, we started looking for homes immediately! Alex stayed in touch during the home searching process, and checked in constantly! He even reached out to the listing agent when we put the offer in our dream home, and he was on it! We had such a SMOOTH and easy home buying process because of our team. Loan Officers / Mortgage Brokers never get the credit they deserve, and I can just say Alex was wonderful. We will definitely do business with him again and will refer him to everyone! Thanks to his help, we are in our dream home as of May 6th, 2026. Thank you Alex!

As many of us who purchased right after the greatest rates in years, we were stuck with purchasing…read morehigh in the hopes of refinancing later. That later took a while. But throughout that time, Alex continuously kept us informed with the current rates whenever they reached a significant difference for us. He made sure that he had all he needed to make the move for us when the time came especially since rates change so rapidly. We were able to achieve our goal solely through his help and guidance. We will continue to use Alex in the future as not only did he help us save a lot of money, but he was also very friendly, personable, considerate, professional, and all around just wonderful to work with.

After having such a great experience with Victor Santos on my first home, I recently worked with…read morehim again to purchase my second--and somehow he managed to exceed my expectations again. Victor truly goes above and beyond for his clients. He was constantly looking for the best rate and terms for me, and even if I double checked his recommendations or looked at other options myself, Victor always came out on top. I never felt pressured, and I always felt like his advice was based on what was actually best for me. This purchase also came with some challenges tracking down hard to find tax forms, and Victor worked around the clock to help me keep the loan moving. He was always easy to reach, professional, and willing to answer any question I had--even after we had already closed on the property. Beyond being a great mortgage broker, Victor is seriously just a great guy. After two home purchases with him, I wouldn't hesitate to work with him again. 100% recommend Victor Santos and OnPoint Mortgage!

Victor was amazing and a pleasure to work with…read more He provided loan support prior, throughout and after escrow. Victor provided guidance when we were uncertain and would ensure he was available! Many people know that buying a home is VERY stressful, but having someone like Victor on your team makes the biggest difference! Thank you Victor!

I thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

I cannot recommend them enough. Linh is an amazing service provider, and she will meet you at your…read morelevel. A little background: I did 2 house purchases, and 1 house sale by myself without a realtor before engaging Meridox. I didn't need handholding, because I was not a first-time buyer. I wanted an advisor who can give me an honest opinion as to pricing, knows the neighborhoods, and can negotiate with the seller's agent. Linh was so on top of things. She understood that I was busy and scheduled multiple showings for me on weekends. She mapped out our route, so we can be efficient with time. She never asked me to consider any property that was outside my price range or not what I was looking for. I was able to knock out many home viewings with her, and we put in a couple of offers. I saw a house that fell out of escrow. I messaged her, and she was immediately on it. She showed me the house, called the seller's agent, and basically convinced the seller to take my offer that was a tad below listing that either that same day or the next. (OC is a hot market, so this was an incredible deal! My other offers all sold above listing.) She was incredibly responsive, super sharp, and very easy to work with. I used Meridox as my mortgage broker as well and used them again to refinance a year later. Very seamless and easy transaction. Forget all the agents who claim to "treat you like family." Choose Meridox: the true professionals.

I have worked with Jonathon twice. Very knowledgeable and answers questions quickly. Keeps you…read moreinformed throughout the process. Also made the entire process easy.

I had no idea what I was doing. I had no idea where to start. When Mr. Cole came into our lives he…read moremade things so easy. No question was a stupid question. He was there every step of the way and didn't make you feel uneducated regarding questions on our loan. Buying a house was scary. Then refinancing that house is even scarier. You just never know now a days who you can trust, and I am so happy we finally found our person we trust. He was patient with our hectic schedule and never got upset if we didn't call back for a day or so. I would recommend Mr. Cole to every person that needs help buying a house or just a loan. Thank you for being there in our time of need. -The Cortes Family

Tina Mitchell helped me and my family find our perfect home a couple years ago. We met through her…read moremom and ever since day one, she has been extremely helpful with any questions we have regarding our home and more. As most people know, home buying is never easy.. it was quite challenging for us as we had a lot of different opinions in the household, but Tina was very patient and did her very best to have us look at every single house we wanted.. and in the end, we found the best home for our family and it's just a few blocks away from Tina's. The Mitchells are now like family to us.. and we definitely recommend her and her team to everyone we know.

Tim and Tina are not timely. They do not respond promptly to real estate inquiries when they're the…read morelisting agent. They do not answer calls at their office either. What type of business do they run to be able to not answer or return business calls within a reasonable amount of time? You should think twice before you put your trust in this firm.

It doesnt get any better than Aron for your lending needs, he made my entire house buying process a…read morebreeze. He will be the go to guy for my lending needs for the foreseeable future. Thanks Aron!

Aron & His Team are wonderful at what the do! I was referred to then by our Agent and I'm so glad…read morewe were! Our initial consultation he answered every single question we had and definitely didnt cut around in his answers, gave us the good, the bad and the realistic scenarios which we greatly appreciated. Aron and his whole team made sure to communicate every step of the way with us on the biggest life decision we've had to make! We had a short 17 day Escrow and they took on the challenge and had no hiccups on the way! They trully delivered and made it as smooth as possible. We're so happy with their work, dedication, & overall the experience they gave us! Aron and his team were great at following up with us to answer any questions we mightve had! Definitely recommend them for all your loan needs! Thank you Aron, Orlando, Crystal , Emely! You guys are amazing!