Outstanding Refinance Experience I recently refinanced with National Pacific Lending and had an exceptional experience. They monitored the market to advise me on the best time to apply based on my situation, then handled every step of the process for me. The entire refinance was hassle-free, seamless, and quick. Their team was professional, responsive, and genuinely invested in my success. They made what could have been stressful into a straightforward and manageable experience. I highly recommend National Pacific Lending. They deserve five stars. read more

Amazing company, I have been back 4 times to Reem! She has saved us so many times and has got us the rate we wanted and protected us from the unknown. I will never go any where else for my financial needs. Just amazing! read more

I had the pleasure of working with Reem Misto - she was just awesome. She is a true professional who is very knowledgeable and really knows how to navigate thru complex tax matters and lending. I would strongly recommend her to anyone without hesitation as she is straight forward and delivers what's she promises. She funded on time on a 30 day escrow despite numerous bumps on the roads as she worked tirelessly to find unique and insightful workaround. A true professional and delight to have on your team. read more

I highly recommend this company to anyone that is looking for a lender. Reem Misto made my life easier and I appreciate everything everyone that worked on my account did. Very professional and very experienced. Super happy and thankful to them! Hope to do many more transactions together. read more

NPL - Reem specifically, has always been very professional and prompt to address all needed to finalize home loans. I highly recommend the team. read more

My mother in law and myself refinanced our homes with Reem. We had such a great experience. I'm usually skeptical when it comes to refinancing and I'm afraid of hidden fees, etc. Reem was really patient with us and explained to us everything that would happen. The process was so easy and we refinanced our homes at the best rates. We're saving so much money in interests. I highly recommend Reem. She's the best! read more

My experience was good with them especially with Reem and her Team. She answered all my questions. She make it easy and fast all the refinance processing for me. I totally satisfied and recommend. read more

Working with Reem has been great & she provides 5 star service. Reem will direct clients to the right direction to secure the loan side of things when it comes to real estate loans. She will fund on time & make sure to explore all of client's options. I would highly recommend to my clients every chance I get. Thank you Reem for her high standards for my transactions. read more

3rd timers here. Reem always finds the best rate and things run smooth and quickly with their streamlined processes. Will be going back in 6 months now that our credit scores will improve greatly after our cash out refi. Thank you again Reem & company! read more

We worked with Reem Misto to arrange a mortgage loan for the home that we bought in Dana Point. Reem did a fantastic job and we couldn't have wished for more. Excellent service, always available and outstanding response times. Reem took us always by the hand along the process and it was very smooth. Truly professional at its best. She closed the loan in record time. Thank you, Reem and team! read more

I highly recommend Reem and the team at National Pacific Lending. We have utilized Reem and the NPL team for the past 8 years for multiple loans. Reem's expertise and professionalism is second to none. She has always gone above and beyond for us. NPL helped us find the best loans, with the best rates & fees and with great lenders. The entire experience from start to finish is quick and easy. Our most recent loan took less than 2 weeks to close! Do yourself a huge favor and check with them before you close on a loan with someone else. read more

When they say this process is easy, they mean EASY! We've refinanced before with other institutions (Wells Fargo, first republic) and it's taken between 4-6 months. NPL had our refinance done in 12 days. 12 DAYS FLAT FROM END TO END!!! Are you serious?! Where have they been all our lives. I have never ever ever worked with a more professional, kind, patient, informative, and well versed group of people. I am referring everyone to them because taking 4-6 months to do a refinance is absurd. Do yourself a favor, contact the team at NPL and get yourself straightened out with speed and efficiency. read more

We have refinanced 3 times with National Pacific Lending. Reem and her staff are great! They are very knowledgeable, helpful and friendly and provide great service and get you the best loan to fit your needs. read more

Had a terrible experience with them on the 2nd time refinancing. First, they misled us by saying they had all our information so the refinancing process would be simple, keep in mind, they contacted us, not the other way around. After we started the process, they were way move invasive and were asking for our information back to 2016 and tons of documents. After I questioned this, I was told "that's just what you're going to have to do". The manager Resa (sp) was incredibly arrogant. We stopped the process with them and went with Rocket Mortgage. Who by the way, we're up front with what they would need (and not income info for 3 years) and process is going great. And bonus, NPL wanted to charge us $2900 Rocket mortgage half of that. read more

This is our second time using National Pacific Lending and both times we've been extremely satisfied. We live in N. California, but the distance was not an obstacle. Reem was very courteous, responsive and was able to get me excellent rates on our refinance. In addition to the excellent rates and service we received, she noticed that we were paying a high rate on our home owner's insurance and found us a significantly lower rate. This saved us $800 a year! I highly recommend Reem and National Pacific Lending! read more

Amazing!! 5 stars, they know their business! I am one happy camper, they got me a loan right a 4 percent, totally helped me with my credit and saved me thousands of dollars a year with my refi!! Love them, I will forever be their customer . read more

Reem Kurdmisto helped us last fall to secure a great rate, faster than anyone else who has ever helped us refinance. I'm not exaggerating--she was speedy, efficient, easy to communicate with, and helpful when we had some anxiety about all the details. She's absolutely a dream to work with. read more

Best company to assist with home refinancing by professional staff (Reem Kurdmisto). My experience was outstanding and the process was completed within a very short time frame. I would definitely recommend this company and was extremely satisfied. I was contacted with frequent updates and plan to use this company in the near future. read more

I used Reem with National Pacific Lending for my mortgage and I could not be happier. Reem was always very responsive, professional, and timely. I truly felt like she had my back every step of the way. I would definitely recommend National Pacific Lending and will use Reem again if I buy another home. read more

Rheem and her associates get my 5 star vote not once but twice. I have always had the best experience because of her professionalism and honesty. She will be on top of the process from beginning to the very end in more than a timely manner. Talking to Rheem makes you feel like your a friend not a customer, she cares. Thanks Rheem look forward to doing it again! read more

I recently completed a refinance on my Town-home. National Pacific Lending does a good job in making the process of refinancing smooth. It took some time to conclude the order but it was done none the less. Reem Misto; she was professional and urgent to complete my refinance. She kept me up updated on the progress and followed through. I highly recommend National Pacific Lending for Refinancing and/or Home Loans. :) read more

What can I say about National pacific lending, they are a 5 star company! From the moment Reem got involved, I felt like I was being treated like family! Between the calls and emails updates, Reem and her team kept us informed and glided is to the best mortgage for us. Reem and her team were very responsive to us. If you are looking for a lender, this is the place to come to, ask for Reem, you can't go wrong. read more

We just refinanced our mortgage with Nation Pacific Lending. This was the easiest process when it comes time to dealing with a lending company. Reem and her team knocked it out of the park with their service and efficiency. Looking for a lender? Look no more! You have found the best company in town! read more

This is the third time we are going through them and received amazing treatment all three times! Even the last time was during quarantine & it was painless. They responded immediately to any questions/concerns I had during this time. They go above and beyond to make things happen for you. I would highly recommend them. read more

Utilized them as our lender for a new home loan. Reem is fantastic to work with. She always checked in and was available to answer any questions we had. Will definitely work with her again in the future! read more

Predatory lender. This company gave me a quote that seemed better than their competitors but after I chose them they changed the fees. Initial quote had loan origination fees totaling $945. By closing the fees went over $5574 (NOT including any title, escrow or appraisal etc. fees. NPL's final closing cost went over $9000 for a consumer with Excellent credit scores?!). During loan processing I asked loan officer Mike why are the fees different than his initial quote. His reply was they are just estimates by his underwriter & they are always over inflated. Told me not to worry, pushed me to sign & he can change it later. Mike said the fees at closing will be the same as he quoted me initially. He never wanted to communicate in writing & always wanted to call. Good that I followed up in emails & still have emails where he sent the initial quotes. I contacted him & the owner Reem several times but got no solutions. He forgot he left paper trail. I guess they got my money & they believe there's nothing I can do. As I am pursuing consumer protection actions, I'd like to warn others of their unethical & predatory practices. Their rates turned out to be not better than others. In the end, their fees are the highest. Also, look at how many reviews their 5 star reviewers had written before NPL's review. NPL has been in business for many years & only a handful reviews. read more

I can't recommend Reem and her team highly enough. They helped us with our 1st home a couple years ago and refinanced with them last year. They are always right on top of things and really working hard to get the best deal possible. read more

As a first time homebuyer, Reem made it really easy for us. And 2 years later, she again came through for us with refinancing our home. Highly recommended! read more

This is our second time using National Pacific Lending. Reem is very knowledgeable and searched for the best refinance option for us. We wanted a loan for no cost, no points. After Reem found us a lender, we closed in less than 10 days! Reem was also very accommodating, my wife is immuno compromised and with Covid 19 concerns her Dr told her not to go out, so we did most of the process electronically and at closing she sent the notary to us! Great customer service! We highly recommend Reem and her staff at National Pacific Lending! read more

What a great service, Reem and the team at National Pacific Lending are the best, this is my fourth mortgage with them and as always only AAA service. read more

Excellent and competitive rates that you can't find any where else. Excellent customer service and closing right on time. Have done financing and refinancing with them for over 16 years. Wouldn't go any where else. Reem and her crew are the best. Thanks for the great service over the years. read more

National Pacific Lending and Reem helped us with our mortgage for our first home, and we could not have found better service. She made sure we got the best rate and was always very responsive and helpful the entire time. Reem made the process so much better than I ever expected it could be. read more

5 stars all the way! I had the pleasure of working with Reem and NPL for my mortgage for our new home and I could not be more pleased. Reem kept me updated, was very responsive through phone calls or text when I was working and couldn't answer the phone, and kept me informed on any upcoming deadlines. I completely trusted Reem and her team throughout the process which is very important as this is the biggest purchase of our lives! I highly recommend Reem and will be using her again if I buy another home in the future. Thank you NPL! read more

I recently refinanced my mortgage with NPL and couldn't be happier with their fast and professional service, I worked with Reem and she was very pleasant and honest to work with, I definitely recommend NPL to everyone and I will use them again in the future. read more

If I could I would give Mike Shah and his team at National Pacific Lending in Irvine 6 stars! Mike made the process so seamless and fast. He got us the lowest possible rate and kept us in the loop on costs all through the process. To our surprise he gave us a written loan worksheet the same day we spoke to him. Other lenders wanted to wait until after the appraisal. They earned our trust. read more

We have refinanced with Pacific Lending 3 times in past 10 years, and have sent family and friends to them. They do all the work, and made It so easy on us with all the paperwork. We will continue to do business with Pacific Lending, we've been very happy every time. They always try to get us the lowest rate, without being pushy. Reem is the best at what she does, and will trust her with any other refi in the future... read more

I've used National Pacific Lending on a number of re-fi's and for first mortgages, and the service and value has been excellent. I've worked with Reem and her team for many years and have always found them professional, helpful and very communicative with the nature and schedule of the process. I believe that they truly did get me the best loan and value for my investment. read more