HM McKinsey is one of the best!!!! I have been around many lenders and Realtors. I have both heard and experienced some scary stories about Lenders and the ubiquitous underwriter. The team she works with is fantastic...HM is conscientious and a hard worker. As a Representative for both buyers and sellers, I have no problem referring her. read more

Want to get ghosted after you send all your paperwork and they run your credit?! Come to MMC Lending!! They will ghost you, bait and switch, not trustworthy. Don't waste your time!!! read more

Things started off good. But it became clear I was being slow ghosted. I was working with Corey and she started super sweet and helpful at first. Super knowledgeable and showed me how to improve my credit. No problem. Over the next couple months, Corey's communications skill started lacking as I would text and call and leave voicemail but get no response or a constant "can I call you back?" Only to not here back. When I did get a hold of her, she would tell me she would call at a specific time, only to not hear from her. It finally got to a point to where I found another lender. After I made one last attempt to reach her, she sent me straight to voicemail and sent me a text and asked to call me back. I very politely told her it wasn't necessary and that I had found a new lender and thanked her for her time. She responded in an unprofessional and nasty way. She trashed my credit score, which improved 45 points since we started, and listed all the reasons why I'm not gonna get approved. While i chose not to respond, my co-borrow decided to reach out and ta-da! Corey emails me all the information I've been asking for for the past month. Not being interested in working with her (my co-borrow didn't want her credit reran which is why she reached out), I let her know that her lack of communication is why I looked elsewhere and I need more communication to continue. She in turn tries to gaslight me and tell me I missed multiple in person meetings. I asked her tell me when these meetings were and to check her messages because I had no idea what she was talking about and haven't heard back since. As a Senior Loan Officer, I expected more professionalism and courtesy. read more

I would advice anyone if you are seeking to purchase a home and looking for a lending company....run. Run to anyone else besides MMC Lending. Dealing with this company is a pain. You will be subject to rude customer service reps and incorrect items listed on your credit report....only to have them take their time to issue a correction letter and for removal from your credit report. read more

Absolutely incompetent. 30-day mortgage refund check is taking 6 months++ They do not communicate with each other, customer service reps just bounce you along to "supervisors", and nobody ever gets back to you. read more

Working with someone once and they do a good job, you think they are good. Working with someone twice and they do an even better job, you know they are great! That is Jamie Borne with MMC. I've now used her twice to purchase a house and she has been amazing to work with. During the COVID Pandemic where refinances are at an all time high, she still managed to work with me and her team along with underwriters to get our loan funded and closed on time. With underwriting needing more time than usual because of the workload they had she had all of our information ready to go in a timely manner. If you are looking for a lender that doesn't just work 9-5 and is there for any question you may have with prompt answers Jamie is the one for you! It's been two times now, and she doesn't disappoint! Thank you Jamie!! read more

Rodney Jacobson has helped my husband and I so much. He is always a phone call away and he will answer all your questions and concerns ASAP. He helped us with our first home purchase and we are forever grateful for him and his staff. Thank you, and we highly recommend him and and his team! read more

When I think of MMC lending and my hellish experience I had with them words like: Inept, unprofessional, rude, ignorant and slow just to name a few come to mind. Giving this house of morons even one star is one star too many! As a result of their stupidity my thirty day escrow lasted nearly seventy days! If your slick, shyster real estate agent, (and most of them are) recommends this joke of a lending company run for the hills! read more

Avoid this place, customer service is horrible. Forget about refinancing with these people, as they will just brush you off.

Great experience, very knowledgeable people. My home purchase was very smooth. Thank you MMC Lending, Rodney Jacobson.

I can't even calculate how many frustrating hours I've wasted dealing with these people. They've kept me completely out of the loop, don't mail me monthly statements, don't send 1098 forms. Make it impossible to access your accounts online. read more

Called to speak to a representative about making a mortgage payment over the phone and both representatives that I spoke to (one transferred me to the right person) were extremely helpful and sweet. The second representative that I spoke told me that if I wanted to save $11 (phone processing fee) that I could make my payment online: paymmc.com. THANK YOU so much! All about saving some $$ and not having a late fee. P.S.: if you want to pay your bill or speak to a rep about delinquent accounts or claims the number is 877.230.0502. You can also get a copy of your year end tax info here. read more

Andy Lara and his team are wonderful to work with. They go above and beyond. They work really hard and try their absolute best even in difficult situations. I highly recommend them!!!! read more

I have had two home loans through them and they take FOREVER to get anything done and then won't even compensate you when you have to stay in a hotel for 2-3 weeks because they dropped the ball on escrow paperwork! I sold my house and had to move into a hotel and wait to move into my new house because they could not meet the deadlines they set. Then they refused to even pay half my hotel bills! I highly recommend using someone else..anyone would be better then them read more

I have to admit this place is awesome. My daughters dad went in for a loan so he can buy my daughter a house and got his pre approval letter in minutes. He dealt with Rodney Jacobson. He had to call him a few times and on one call Rodney was ready to go to lunch and he still had time to answer all his questions. Rodney is very friendly and helpful. These folks are the best in the AV!! I highly recommend this place for anyone buying a house. Thank you Rodney for all your help. read more

I contacted a home via realtor on 5/23 when I was in the area and wanted to view a home. Shortly after I was contacted by Cedrina Herrera. I explained I was a first time home buyer and I was pre approved for xxxxxx amount. Before she could even review my pre approval she began to sell me on a colleague of her her named "Edgar Aguilar" from MMC lending. She went on to sell me on her colleague stating he could get me a better rate, higher buying power, better pre approval. She connected me with this gentleman and I spoke with him via phone and he advised me to submit all my documents, credit, etc. I went ahead and submitted all documents to be given the run around for the next 3.5 weeks. I even went as far as to go view a home 1 hour from me with the Intent that both the agent and lending officer were aggressively working hard to comply with their job in a efficiently manner and getting me that promised "better pre approval". I also did a buyers consult with Cedrina Herrera where she broke down the market to the best of her ability and knowledge which left me a little confused as certain questions could not be answered, her response was "Edgar will explain that" mind you Edgar was not returning phone calls, text, emails. I really had hopes that this was just first time home buyer jitters and everything would work out. The last week I was working with both the agent and the lending officer I was asked for proof of "reserved funds" on top of my closing cost and down payment, which I provided. Almost 4 weeks later from my initial contact with Cedrina I received a text message from the agent NOT the lending officer congratulating me on a pre approval with no documents to support, just a simple text message that stated your pre approved for xxxxxx amount. I found that to be extremely unprofessional and caused red flags. I shortly withdrew from Cedrina and Edgar. First time home buyers have such great opportunity, and it can easily be sabotaged by employees of this nature. Do your research before you waste credit points, time, and energy. Look for reviews, history on both the lending officers and agents/realtors. read more

Where do I even start. Andy Lara and his team at MMC. Lending are crooks. My insurance document was forged by them so we could close escrow. The insurance I ended up with was California fair plan which was not the same as State Farm that was in my escrow paper work from MMC. I closed in the middle of November of 2014 and my first payment was due Dec. 1 2014 although I was told my first payment would be due Jan 1. I found out they made me pay the Dec. 1 payment so they could quickly sell my loan to themselves in 2014. I would recommend using Quicken Loans, which is who I did my refinance through a year after signing with MMC. Lending. MMC are very unprofessional and requested I use there inspectors, roof, home and septic. I am now selling my house 3 years later and having to do a ton of repairs because they bought off the inspectors. (see my roof review for Apex roofing). I found out the roof was junk 5 years ago, the septic tank has a riser missing and more. Learn from my mistakes and if you are buying a house hire your own inspectors and pay them yourself so you know that they aren't being bought off by the seller or the finance company. The agent and seller requested I use MMC lending to expedite the process and that it would save me time and money. It ended up costing me a lot more in the long run using MMC lending because of their shadiness. I would not recommend anyone do business with this company. read more

Terrible lending company. Hard to get in touch with and they are very unprofessional on the phone. Their under writers ask for a ton nor paper work because the lenders have no idea what they're doing. Find any other loan company but MMC lending. Thanks for nothing. read more

I've had the opportunity to work with Joseph Fernando at MMC Lending on several mortgage loans and can honestly say he is one of the BEST LENDERS IN THE BUSINESS!!! Joseph is knowledgable of all the different Loan products available,honest,professional,and straight forward when it comes to closing time frames and fees associated with obtaining a loan. Joseph's customer service skills are exceptional as he is always available,face-to-face or by phone to answer any questions or concerns that may arise throughout the loan process. Joseph' and his team at MMC lending are extremely knowledgeable, efficient and simply an Amazing group of people to work with. The loan process working with Joseph and his team is always effortless. I would Recommend Joseph Fernando to anyone in California looking to obtain mortgage financing. He is simply The Best!! read more

Joseph Fernando is the best!!! Joseph is extremely knowledgeable and professional. He knows the different loan products and is very helpful in choosing which is best for you. We had the pleasure of working with Joseph years ago while refinancing our mortgage. So when we decided to sell our home and downsize, we contacted Joseph to start the process of purchasing a new house. In the meantime a job offer came in on the Central Coast so we dropped everything and moved. Joseph stayed in touch with us and when we found our home he was right there to start the loan process even though we were hundreds of miles away. The loan was handled so smoothly you would never know we were not right around the corner. Joseph and his team are very thorough, we highly recommend them for a mortgage or refinance. Kevin and Vicki read more

I'm a Realtor here in the AV, and surrounding San Fernando Valley . I have closed a few escrows with Joseph Fernando and I highly recommend Him ! He is professional and knowledgable on all the loan programs available . My Clients were extremely satisfied with MMC and the care that they received . Buying a home is stressful and sometimes there can be a few bumps to work out , But having a great Realtor and Loan officer working for you is the key for a successful close. read more

Funny, because we had a very similar experience as R.W.'s. We were told our loan was 'good to go', and we were prepared. I sold my home, and began concurrent escrows to move into our new home. The morning we were supposed to recieve our new keys, we were told we were 'golden'. That afternoon, we were moving our furniture into storage because they suddenly realized everything was at a standstill. It was a surreal experience to move my 6 month-pregnant wife, pets, and household into a hotel for a week. We came insanely close to losing the house entirely. MMC told us we didn't qualify for the loan anymore. This upset me, because I had started the entire home-sale by stating that the only way I'd sell my home was with the knowledge that I could buy another. So, telling me the day I closed escrow of selling my home that I might not be able to get a loan of any kind, was incredulous. After raising APRs and amounts without my knowledge, we finally got our home. And yes, MMC did pay our hotel and storage fees at our request. I can't say we were thrilled with the changes, (felt pretty ripped off actually), but we got our home. P.S., They also held the loan on the house I bought, and miscalculated that seller's post-sale amount, leaving him thousands of dollars short of what he was promised. Edit, it was brought to my attention that it was not MMC that comp'ed our expenses, but the clerk that was terminated. Apparently, MMC would not take responsibility for the corrupt handling as doing so would assume liability. read more

Joseph Fernando has closed several loans for my husband and I, as well as for close family members and friends. Joseph has always been extremely knowledgeable and professional. We have called on him for guidance on many occasions and he has always steered us in the right direction. He even helped my daughter with a check-list in preparation to reach her goal to become a first-time home buyer. He always goes above and beyond our expectations! I recommend him every chance I can, as he has come through for our family on multiple occasions, loan after loan. Thank you Joseph!!! The Ramirez Family read more

My wife and I had the pleasure of working with Joseph Fernando from MMC. We coul not ask for a better mortage loan officer, he answered every question we had, called back every time we couldn't reach him, and was always patience with our questions. He took the time to walk us step by step in a very complicated process. And when we could not go to him he came to my work to help me understand some of the paperwork. Joseph and his team provide world-class customer service and I would highly recommend them - my wife and I will be returning to work with them on other projects. read more

I have used H. M. McKinsey at MMC Lending for my last 2 home loans, she is absolutely the best. I recommend her to all of my friends and family that are looking at purchasing a home. On the last loan she got it done and processed in record time. We had sold our home and started escrow on another home, but the inspection reports showed concerning issues with the new house, so we backed out. We had to find a new home and complete the loan/purchase in less that 30-45 days, because our escrow was closing and we had to move out. H. M. was able to get us done in time. I was a very stressful situation, that was made much easier thanks to her. read more

I recently had the pleasure of working with Joseph Fernando and the MMC lending team. During my time with Joseph, he showed me that he really is the best in the business. Not only is Joseph knowledgeable, but he's also very honest, and professional. Joseph, always made sure he was available to his clients and was always upfront regarding any fees that may be associated with purchasing or refinancing a home. I would definitely be purchasing my first home with Joseph as I wouldn't trust anyone else to handle the process as effortless as Joseph and his team can. read more

Joseph Fernando was the absolute worst to work with. He was very rude and did not act like he had our best interest are heart. The customer service in this office was horrible. Very hard to get through and everyone blamed someone different for all the Mix-Ups and delays and it became too much. I wull never use or refer Joseph Fernando and I will never use this company again. read more

My husband and I were referred by our real estate agent to Joseph Fernando at MMC Lending when we bought out new home. We couldn't be happier with the knowledge, time and attention we received. Joseph is a true professional and works to make sure you completely understand the home buying process. He made himself available at all times which is saying a lot considering our crazy schedules. To top it off he locked us in a great rate! Also, for those who have credit issues, Joseph is a great resource to help you on your way to buying a home. read more

Joseph Fernando recently worked on my refinancing. He was super responsive to my questions, contacts, voice mail, texts and email messages and I never had to wait for longer than five minutes to receive his responses. He is a courteous, diligent and reliable loan officer and I recommend Joseph to anyone who is interested in refinancing. read more