By far the best lender I have ever worked with! Jared is a stand up guy, he always answer the…read morephone, always answered any of our questions or concerns! Our escrow was scheduled for 45 days, with Jared it took 26 days from start to finish! A lot of lenders you have to go back and forth with, which is a pain, but Jared was straight forward, honest, and found the best deal for us! Jared has earned us as a repeat customer for years to come! And for anyone reading this, you would be a fool not to use Hayward Capital! THANK YOU JARED, NIKI, and HAYWARD CAPITAL TEAM!!

We have used Hayward Capital for many years for refinancing different properties. Jared Hayward…read moreand Niki Hayward are very professional, efficient and friendly! They always find the best deals for us and thoroughly explain our options. They make refinancing easy and effortless, guiding us every step of the way. I would highly recommend them! See for yourself and give them a call!

Excellent service. Fast, responsive, explained the process well, answered any questions I had. And…read moreabove all, very caring and supportive. Highly recommend.

Mike and his team were phenomenal from start to finish! From pulling our credit to finalizing the…read moreloan approval, they checked in every step of the way. As first time home buyers, we were grateful for excellent and professional customer service. They made the process seamless and ensured we had all our questions answered. If you are in the market to buy or refinance no look further. Mike, James and Joe got you covered!

Nathan is exceptional, very attentive very professional took care of all my needs and even got me a…read morebottle of water. I recommend the Mission Viejo branch to everybody and see Naethan.

Extremely disappointed with the mortgage underwriting team at OCFCU. Despite providing clear…read moredocumentation and citing specific Fannie Mae guidelines (B3-3.7-02) regarding business cash flow, the underwriting team ghosted me for a week, and their manager Monica Partida refused to apply standard industry add-backs, resulting in a wrongful denial. OCFCU went back on their word after I was promised by my loan officer Jennie Jacobson. that OCFCU would apply standard industry add-backs to my income. While she promised to use standard industry add-backs to secure my application (and Hard Credit Pull), they then fundamentally changed the "rules" during underwriting to deny the loan. Indeed, the entire culture at OCFCU is decayed with failed communication at each level. Even after escalating my credit appeal to the executive board, I was ghosted for two weeks with zero accountability or rebuttal. The executive board (Kathy Jumper, Donald Carazo and Jeff Harper) never sent me a single message acknowledging my escalated complaint and appeal. My appeal was affirmed and singed by OCFCU fourteen days after the fact and coincidentally the very same day I told them: "Too late, I will be publishing my bad experience with OCFCU online." Although, instead of simply emailing me an update, they claimed to have snail-mailed me the response to my appeal--nothing was ever received in my mailbox. If you are self-employed or have a complex income, save your credit score and go to a lender that actually understands modern secondary market requirements. UPDATE (May 13, 2026): After escalating this matter to the Executive Board and the NCUA, the Chief Lending Officer Jeff Harper personally intervened to make right on the misrepresentation of underwriting standards. The Credit Union has since facilitated the removal of the hard credit inquiry. While I appreciate the eventual accountability from leadership, I do believe the initial process for self-employed members remains flawed. 3 stars for the resolution, 1 star for the experience.

I've worked with JJ and his team for over eight years, and there's a reason I continue to…read moreconfidently refer my clients to them. Real estate transactions are rarely perfectly smooth -- and it's in the complex, time-sensitive moments where true professionals stand out. Time and again, JJ and his team have navigated difficult files, solved problems before they escalated, and delivered results when it mattered most. They communicate clearly, anticipate challenges early, and remain steady under pressure. More than once, they've stepped into situations that required creative structuring, tight timelines, or last-minute adjustments -- and they've simply handled it. My clients consistently feel informed, supported, and protected throughout the process. That level of consistency over eight years is not accidental -- it's a reflection of expertise and integrity. I trust them fully, and in this business, trust is everything.

We had a great experience with Zach, John and everyone we dealt with in The Mazzo Group throughout…read morethe whole process. Timely communication, accurate information and swift execution were the highlights of our transaction.

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

I highly recommend Melissa and her team at Mortgage America! They have done two Loans for me and…read moreboth were executed expertly. My most recent refinance closed early, terms were exactly as we had discussed, no surprises, just a seem less transaction! I really appreciate Melissa's commitment to service. She really cares for her clients needs.

My dream was to own a home again but I didn't think it was possible. A friend referred me to…read moreMelissa Tooker and said she has years of experience and will be very honest with me. Initially I was embarrassed to have her run my credit, but I did have to start somewhere. Melissa was so professional and non-judgmental, I instantly felt relief that I could finally share with someone my financial situation. She advised me on the steps I needed to take to prepare me for home ownership. I knew it would take some time but she kept in contact with me offering any help or just to check in and say hi. One year later, I am sitting in the most beautiful home in Laguna Niguel. She pre-qualified me so I knew exactly what I could afford and locked me into a rate before it went up. Melissa Tooker gave me hope again. I have referred several of my single friends to her, encouraging them not to give up hope. Melissa changed my life and I am so grateful to have met this wonderful, intelligent and trustworthy woman. Thank you Melissa, you have changed my life.

Can't say enough good about Elenna - she helped us buy our dream home (which we still can't believe…read morewe own) and sell our previous house all while we were about to have a baby and two weddings in the family. She kept her cool when our emotions got high and treated us as if we were her only client. She was extremely professional, yet personable and made sure we weren't taken advantage of by any other party involved. She guided us, then backed us in all decisions, we never felt like we had no clue what we were doing, thanks to her taking the time to explain every detail. HIGHLY recommend using Elenna for all real-estate transactions - we won't be using anyone else but her!

In these times getting a loan has become a nightmare for me. My wife and tried for the past year to…read moreget funded only to be disappointed! Well thanks to Jason and Elena at "1st Pacifist Capital", I felt like I actually had someone on my side! They were very personable and extremely knowledgeable! They knew exactly how to handle my particular situation. They anticipated every little hiccup we came across and made adjustments to make things move forward! To me it's like having two of the best financial people in your corner! And trust me when I say these are good people, family oriented and hard working! You cannot go wrong with "1st Pacific Capital" Use them with confidence and own the home of your dreams!!

I had been looking for months to refinance my condo and finally found someone that knew just what I…read morewanted. I would recommend Paul to anyone that is looking for a hard working, honest lender.

I am having problems getting a loan modification from Caliber home loans, but at the same time they…read morehave a sale date on my house. 6/26/2018. I have asked for this modification for almost a year. I keep sending in the paperwork that's requested. The one piece that they say I didn't returned 4506T. They moved forward with the sale date. They won't accept a payment, just want all of the rears. I am a widow of a Vietnam veteran, I used my husband's V A to get the loan. My husband was so proud to buy this house and move into 6 weeks before his death. I just want Caliber to give me the chance to make the payments. I can afford to. Loan #9703150301

Chris, Thank you so much for the comprehensive explanations and for the creative solutions to help…read moremeet the goals of home ownership and remodeling. I appreciate the plain speak that is understandable. I would not hesitate to recommend you to anyone trying to get a loan. There is no reason in my mind to go through a bank or someone that does not have the experience or wealth of knowledge you possess. Thank you!!

Chris is a wealth of information and what a great person to work with! Honesty and integrity are…read morethe words that I think of when it comes to him. A real stand up guy!