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

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.

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.

Jason is an expert at his craft. He will comb through all the possibilities and present you with…read morethe best approaches to consider. He is very detail oriented and very easy to get a hold of. I would highly recommend Jason and will work again with him in future opportunities. - Wilson

I don't even know where to start. Paid double for an appraisal that took months to happen. The…read moreagent I worked with, Matt Winkle, told me that Ladera Lending only works with one appraisal company, which charged me an obscene amount and again, didn't assess the property for months. I followed up constantly and Matt would always say he was just about to reach out. Then in the end, they couldn't offer us a loan because our house was an older structure. A couple thousand dollars later we had no loan and had to start from scratch with BofA. We almost missed the lower rates we were trying to secure with a refinance. BofA came through. Ladera was a massive waste of time and money.

I have had an amazing experience doing all my taxes with Peshke Financial. The team is organized…read moreand gets everything filed and completed in such a timely manner. Makes this time of year beyond easy. Thank you!!!!

Chad and his team are awesome. Super quick, organized, and on top of everything. Chad gives solid…read moreadvice, and the whole process is smooth and easy to follow. Honestly, I'm so glad I found them.

Thank you very much David for the help our loan approved in 7 days. I will highly recommended you…read moreto anyone!!

Their advertisements that they send in the mail are very misleading and predatory. I called to…read moreinquire. The woman on the phone suggested I refinance my current mortgage at 2.125% with only 10 years left to a 30 year mortgage at 4.75% with an APR of 5.9% and take cash out that I don't need or want. Closing costs would be about $30,000. This is the definition of predatory lending. There are federal laws that state a Net Tangible Benefit must exist to refinance. No benefit exists but this company doesn't care about the law.

What a great team to work with. Thank you Armin Afshar. You have made the process go very smoothly…read more Your professionalism was beyond words. Armin was always available to my questions. He provided excellent updates and status reports throughout the whole process. He communicated with me on a weekly basis and kept me in the loop on every step from first day to the closure. Thank you again

As a first-time buyer, I had the pleasure to work with Armin (Guardian Capital) regarding my…read moreproject. I have exchanged probably 40+ emails,Calls and SMS (my preferred communication method) with him asking a lot of questions, and to run different scenarios over 3 months! Armin went above and beyond to always provide top quality responses. As most (first-time) home buyers, I have inquired to various mortgage lenders (banks, brokers, etc.). I did send the exact same email - to introduce myself, describing my project and asking questions - I can tell you that I was deeply shocked by the contrast between the responses... some banks were clearly unprofessional: did not respond to the questions... and even worst... providing their opinion about the real-estate market and their own preferences for various neighborhoods ... some always had excuses to postpone a detailed answer (broken laptop, business travels, etc.).... Armin was simply amazing... always spot on in all his responses, explanations... always suggesting what would be in my best interest... always responding... he was simply outstanding...! I cannot stress enough how satisfy and lucky I was to have chance to deal with Armin regarding my project. Armin is a great, friendly, and honest person... if you have chance to work with him... go ahead, you wont be disappointed!! As far as I am concerned, and I was able to witness a lot while shopping for lenders, Armin is a gold-standard reference in terms of Loan Officer and best advisor..., he's in a league of his own! Highly Recommended! Thank you Guardian Capital (Armin)

Highly recommend Professional, timely, Awesome customer…read moreservice! Tabitha is so easy to work with. I have done business with this company twice & what I'm impressed with most is as soon as an email or phone call is made they follow up immediately.

Cory is very knowledgeable about the market and can help you secure a loan at the lowest interest…read morerate available at the time.

Our real estate agent referred us to Franklin Direct, and we worked with Justin Walsh…read more We thought getting a loan would be super stressful--tons of paperwork, digging up old documents, slow responses... just a lot of back and forth. But Justin made the whole thing way easier than we expected. He answered all of our questions fast, kept everything moving, and helped us close in just 15 days. What we thought would be a headache ended up being the smoothest part of buying our home. We're really glad we got connected with Franklin Direct and Justin. We'll definitely recommend them to anyone buying a home.

From the get-go (the pre approval process) to the actual loan process and finish and even now AFTER…read moreloan closing and escrow, Justin and Christel have been there every step of the way. They gave us a checklist of items they needed, when they would be needed, when the next steps and process would be and were great at keeping track of, following up and just to answer all of our questions. Could not have asked for a smoother loan/escrow process with them and our realtor. They explained everything and gave us all our options even if they were time consuming for them to research/formulate, just so we could go with the best loan for us. Christel especially... you were amazing to work with and so thankful for always checking in and making sure this was as stress-free as possible.

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.