Ashley and her team went above and beyond to ensure we had all the information we needed to make the best decisions during our home buying process. They made everything quick and easy closing on our home in just 17 days. We would highly recommend them to anyone needing a lender. We will definitely be using them again in the future. read more

Honesty and integrity are what I look for when dealing with lenders. Michael closed the loan, but my clients had to pay double the signing fees. Michael said he'd reimburse them, but has not. Michael even went as far as telling me "the check's in the mail". I personally don't like dealing with untruthful people. read more

This review is on behalf of my husband who did all the communicating with Michael and his team. Up until this point, my husband and I have had a terrible experience with anyone involved with lenders. We've experienced dishonesty, snake in the grass, and very manipulative actions. Michael and his team turned that opinion all around with our refinance! Michael over delivered on his promises to provide us with white glove, transparent service. We look forward to many more mutually prosperous opportunities with M.Rosenbaum and his team! read more

This is the most friendly and inviting group of professionals I've come across, especially in this industry! Lending can be such a complicated and sleep-inducing subject, but Michael Rosenbaum speaks about it passionately, breaking it down in simple terms. His support staff is young, energetic and super attentive and they always greet me with a smile making me feel so welcome. I swear Michael is attending a client nearly every time I see him, always on the phone addressing any problems and finding solutions to ensure a fast and smooth transaction - client satisfaction is his main motivation and it's easy to see why repeat customers and referrals are responsible for his great success. For a 101 introduction to financing a home purchase, I highly recommend Michael and his team, he's incredibly knowledgable and gives his clients great guidance and service whether it's buying a new home, refinancing or helping educate a fellow industry professional. It's always a pleasure Michael! read more

Michael is highly efficient, responds to your calls immediately, I would highly recommend using Michael for your loans. Carol K read more

After looking for a few years for the right refi, I stumbled across American Pacific Mortgage and Michael Rosenbaum. After discussing my refi with 3 other lenders in the same week, I decided to go with Michael. I'm so glad I did! Excellent service, friendly conversation, and ultimately delivered what he promised. Started the process in April and it took a bit longer than I expected. However, unlike all of the horror stories I'd heard about other lenders promising low rates, taking longer to process, and then coming back with a higher rate, I was very pleased to find the rate was just as agreed to in our initial discussion. Especially considering the delay was due to a snag on my end. A pleasure to work with and will be holding on to his information for the next time. read more

I've had the opportunity to work as a vendor for Michael and his team for the last couple of years, watching their team grow, move offices and continue providing excellent service and lending expertise in Downtown area. I highly recommend Michael and his team ! read more

Wonderful lender. Very knowledgeable, high expertise. He doesn't stop and works very hard to close the loans. HIGHLY recommend, Michael! Real Estate Supergirl at Pacific Sotheby's International 619.808.7064 read more

We just purchased our first home and we had the pleasure of working with Michael Rosenbaum as our broker. At the beginning, Michael was very thorough in explaining how everything would work. Along the way his team kept us updated and they were always eager to answer our (many) questions. Michael locked us in at a great rate...and then he secured an even better rate right before we closed! Michael provided the highest level of honesty & professionalism and we highly recommend him. Thank you, Michael & team!! read more

Being from Northern CA, I was trying very hard to find a lender that knew my local market the best. I found that in Michael and his team at First Cal. Michael was very professional and was able to beat my bank's rate on my re-finance. I was constantly kept updated through each step of the process and was able to reach him whenever needed. There really is no-one more knowledgeable about the industry. I learned a lot from his RosenRant series on Youtube. Check it out! I highly recommend Michael and his team. read more

I have done several transactions with Michael and his team. Excellent, well informed and a pleasure to work with. I would highly recommend Michael and American Pacific Mortgage. Looking forward to many more wonderful experiences. Gerry Burchard Willis Allen Real Estate read more

Thank you, Michael, for taking your time to explain getting my 2 real estate loans merged into one. You are generous with your time and expertise, sharing the big picture with me. While I'm currently unable to work with you in creating the loan I was hoping for, rest assured you will be the one I call when I'm closer to being ready to make this happen! read more

Michael was so helpful and professional!!! He guided us through every step and question we had, provided us with a prompt and timely reply. Gave us time to think when we needed it and provided us with multiple options!! I will definitely recommend him and his team to any of our friends looking for home financing. read more

I work with Michael and his team of professionals all of the time. I consistently recommend Michael and his services to my clients who are looking to purchase a Downtown San Diego loft or condo. Michael lives and works Downtown, and knows more about the buildings and neighborhoods better than anyone. I refer clients to him, because I know that he and his team will provide great service and follow ups. Anyone who knows Michael personally knows that he walks around with the "Bluetooth" always in his ear. He will always take calls. The last several deals we have done together have all been smooth transactions on the financial side and have closed earlier than expected. If you are considering shopping for a loan or looking for information on financing, I would recommend checking in with Michael and see what he can offer. read more

We just finished our refinance with FCMC. I'll try to summarize the experience: Careful consideration of all options with clear concise pros weighed against cons at the start left me feeling secure with my decision. Communication was never lacking, every time a new situation arose or action needed to be taken we were promptly contacted and advised. I would term every single interaction with staff as stellar, blown away by the customer service for sure! I highly recommend FCMC to anyone considering any service they offer. P.S. this is coming from a skeptic who read horror stories about other companies, we were not expecting things go as smooth as they did. We are not the easiest folks to please. Ben T. San Diego born and raised, since 1977 read more

Found Michael on Yelp, after dealing with couple "not so great " mortgage/refinance guys. We had pretty complicated mortgage ( two loans with 5 year arm and bunch other little things) We were pretty desperate to get this refi done but no one seemed to be able to complete the refi. We wasted 6 month with 2 other people who promised a lot but delivered nothing. Michael actually delivered what he promised and today our refi was DONE !!! I feel relived and happy !!! Michael was professional easy to communicate with . I would recommend him to all my friends ! read more

So impressed! Was able to get an incredible rate and although it took a little bit of paper work, it didn't cost us anything. I would have never thought of refinancing (thinking it would mean spending $) until I met Michael. His team made it a smooth process and he delivered as promised. Highly recommended. read more

I was very lucky to have Jeff & Janet in my corner for my home purchase. We were not in the market to purchase a home but got a unexpected notice from our landlady. We had some credit issues and were unsure if we would qualify for a VA loan. Jeff was able to work his magic to get us an approval. Janet was on top of our paperwork and timelines and kept us on track with our 30 day escrow. The team was so efficient that we were able to close 3 days early!!!! Both Jeff and Janet were always accessible through phone, text or email whenever we had a question or issue we needed addressed. They are truly a "dream team". read more

I'm an L.A. realtor and Michael is one of the best Mortgage Brokers I've worked with. He has excellent follow through, is a straight shooter, provides your client with stellar customer service so it makes you look really great and can get a deal done in record time. I didn't believe him at first when he told me it would be ok for my buyer to shorten the mortgage and appraisal contingency to 14 days. We were in a multiple offer situation and having this ability is what gave my buyer the winning offer. I've seen a lot of brokers in L.A. say one thing and then not be able to execute. Michael actually can get it done. You're in good hands working with him. read more

Just had a very successful transaction with Michael Rosenbaum. There was good communication throughout and I always knew what was going on. I would definitely recommend Michael and hope to do business with him again. read more

Michael is the consummate professional. His team runs like a well oiled machine and with his oversight, nothing slips through the cracks. The proactive communication he provides always keeps my clients in the know on their loan status and possible hurdles that we'll encounter. While many lenders make excuse after excuse for why things aren't moving smoothly, Michael just handles business. I'd recommend him to any prospective borrower, he's an A+. read more

Michael and his team are amazing! I had a client that didn't get final approval through another lender and he stepped in and took over asap. Unlike most lenders, whenever I had a question or concern he would respond right away. He always kept me in the loop during the entire process and when I asked for documents, etc. he got them to me. It is very scary for clients to get an honest, dependable and hard working lender but Michael fits the bill. The only reason I gave him four stars instead of five is because the clients ultimately didn't get approval from him either but he did his best. read more

Mr. Rosenbaum and his team were easy, fast and professional. We've done 3 refi a with Rosenbaum each the lowest rate 0 point loan around. Their new downtown office is also easy to get to has a great view! read more

As a nearly 30 year veteran of the mortgage industry here in San Diego I know a few things about mortgage lending. Take it from me, Michael is a fantastic loan officer. He has experience, integrity, and he can help you in your next mortgage transaction. read more

Michael is a senior mortgage broker whose vast knowledge and experience serves his clients tremendously well. As a realtor, I have no hesitation in recommending Michael to my clients. read more

Tried to get a loan directly from a bank. Cut out the middle man, am I right? WRONG. I had the worse service at "name your generic big bank" possible. You are stuck with 1 bank and their particular rules and lack of caring. Michael and his staff are on point. They get things done and match the right lender to you. They actually care, and that makes a huge difference. read more

Michael was able to refinance us to an appropriate loan (and interest rate) when others were not. He and his team were pleasent to work with and always professional. read more

Not only was Michael my mortgage broker for my recent home purchase, he was a very insightful business advisor and provided other helpful tips regarding my transaction. Michael took the time to connect with me as his client and put in the extra effort to better understand my needs. Michael helped me to come up with a loan structure that best suited my circumstances and proved to be the best fit. Lastly, the industry relationships that Michael has established proved to be invaluable since the Seller's agent had more confidence in Michael's ability to close my loan vs. other offers on the table that were for more money. In other words, the Seller took less money on the sale of their property because of the belief they had in Michael to pull through successfully, just as he ultimately did! read more

Michael Rosenbaum & his team are a pleasure to work with! Michael is so thorough and efficient. I have used him for more than one loan and have been so happy with our results. We will be using him again and again for years to come. read more

I have worked with Michael on a few occasions, he's smart, reliable, and a great communicator. Michael impressed me mostly by the weekly status update letting my client and I know exactly where we were in the loan process and what was still left to be completed. I have great experience's when working with Michael and his team and will continue to refer him to my clients! read more

Michael Rosenbaum and his team are great people who are really good at what they do. I had the pleasure of working with Michael when he closed the loan on one of my condo sales in downtown San Diego. He was professional, very informative and played a huge part in making the transaction a successful one. As a Realtor, I come across a lot of lenders, some are good and some not so much. Michael is one of the best. If you are thinking about using Michael for your loan, you can feel confident that you will be in good hands. read more

Just called Michael Rosenbaum for Rental Management information due to his name coming up under this search on Yelp. I called due to the many positive comments on his Yelp page, even though it was sounding like he might not be what I was in need of, a property manager company. He personally answered his phone and I can tell you, Michael's friendliness and willing to take his time to hear my needs and to explain this was not what "he" does but was willing to take the time to give me a lead on someone who does was just great business!! When I am in need of a loan I will most definitely be giving Michael Rosenbaum a call!!! Thank you Mr. Rosenbaum for just doing down to earth good business care! read more

This is an amazing company!! Jeff and Janet really helped me out to get my VA loan and are an amazing team! They are super friendly and always available to answer questions and help you throughout the process. I can't thank them enough for everything they did. Even now after closing out they still check in to make sure everything is running smoothly and back me up. Thank you Jeff and Janet for all the help. You helped relieve stress and smooth out the process. read more

I have had the pleasure of closing several loans with Michael Rosenbaum and his team at American Pacific Mortgage, formerly First California Mortgage Company. Attention to detail, patience, integrity, professionalism, and knowledge, competence, and results all come to mind when I think of working with Michael. For me, it's critical that my clients are happy and in good hands not only during the duration of the transaction, but also afterward, as it is a reflection on my business, as well. That is why I'm happy to have Michael on my side; I feel very comfortable referring my clients his way, as I know he will do a great job and get the job done every time. I look forward to working with Michael again! read more

i don't usually write reviews, but Michael Rosenbaum deserves to be the exception. Michael took time on Saturdays and at night after business hours to take my calls and carefully research and advise me without rushing me. It was the same in-depth customer focused attention Michael is known for. Plus Michael is highly experienced and you would be hard pressed to find someone more honest or knowledgeable. I highly recommend Michael. read more

So I just closed on a new mortgage (my second purchase in San Diego) and I'm so glad I again chose to work with Michael Rosenbaum (now with AP Mortgage) and his team (especially his completely awesome assistant Corinne.) From the first call (on a weekend no less) he met me in his downtown office 30 minutes after I called and had me pre approved in about another 30 minutes. Incredible. Everything I wrote before is still true - Michael understands the underwriting process like no other mortgage broker out there and knows how to give the best possible service for his clients. Granted with all of the new regulations (I happen to work for an unrelated bank) it's a tenuous process to close a loan so the bank side of things was longer than last time but that is the norm these days. Everything has to be double and triple checked. Nevertheless, Michael was on top of the details all the way and I still give him and his team the highest of recommendations. Choosing the right broker matters and when you work with Michael he makes himself available 24/7 - highly recommended. read more

Michael Rosenbaum kicks ass! He is one of the most professional, energetic and friendly lenders in the business. I was blown away by Michael and his team. I met Michael last summer and he sat with me for hours as we discussed mortgages, neighborhoods and schools. 10 months later... I found a house and gave Michael a call. He actually remembered me and our entire conversation from the summer. Mind. Blown. He got me a great rate on an 80-10-10 loan and closed very quickly. The process was smooth mainly because Michael made sure that every detail was taken care of. I have worked with several lenders/brokers and not one has given me anywhere close to the service that Michael gave me. He just killed it! He has my highest kick ass recommendation. read more

Michael saved my hide. I had a "quick" preapproval letter from my bank but they left me in the dark as to what loans I would really qualify for. From the get go Michael asked tons of questions and was very clear and thorough. I am confident that I made the right choice in loan because of the level of communication Michael & his assistant had with me. read more

Jeff and his team were very helpful! Stayed on top of everything and walked us through every step of the process!

Jeff has done many loans for me in last several years and his service and time-scheduled closing is remarkable. NGG mortgage is transparent from beginning and they keep everything informed and clean. I recommend Jeff to many of my friends and relative and they were really impressed with his speed and clarity on loans. In fact my real estate agent also used Jeff service and now Jeff is his first point of contact for all his business. I definitely recommend Jeff for any real estate loans read more