I've used Heather a couple of times now for obtaining pre-approvals and I have been impressed with…read moreher speed and efficiency! She always responds back as soon as possible, whether it's email/phone/text. Sometimes I will text her and get a response back a minute later! I am also impressed her with knowledge of the market. No one has a crystal ball but she is not afraid of sharing her opinions on where rates might be heading and she has good analysis to back it up. In my experience lenders may try to push you into things not in your best interest, this is definitely not the case with Heather and her team. Valerie was also super helpful and knowledgeable!

Highly recommend!! Heather and Valerie were above expectations in all aspects. Very communicative,…read moreknowledgeable and supportive. The whole process went very smooth. P.S. this is the second deal to close with Heather and will definitely do more with her.

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.

I've had more than half a dozen transactions with Paul over the past decade and I am so impressed…read morewith his proactive professionalism. He GETS IT DONE!

Great experience with Paul. He explained each step of the process and there were no surprises. He…read moregave us a great rate and we got our money when he said we would.

If you're looking for realtors who truly go above and beyond, look no further than Amy Balsz and…read moreMegan Malstrom. These two are more than just top-tier professionals -- they are the heartbeat of the neighborhood. Amy and Megan are neighborhood specialists who pour their time, energy, and hearts into the community. From thoughtful updates and handy notepads on doorsteps, to flags on every yard for the holidays, to delivering cookies at Christmas -- they consistently show up in ways that go far beyond the real estate transaction. It's that personal touch that sets them apart. They always do what they say they'll do -- and often more. Whether you're buying or selling, you'll have two of the most knowledgeable, trustworthy, and caring professionals in your corner. Their communication is clear, their marketing is sharp, and their follow-through is unmatched. The entire process felt smooth and stress-free thanks to their guidance and support. Amy and Megan make you feel like family -- and that's rare. This isn't just a job to them -- it's a calling. We're so grateful for all they've done, and we wouldn't hesitate for a second to recommend them to anyone looking for expert, heart-first representation. Thank you .... thank you so much!!

My parents needed to sell their home of 40 years so they could afford assisted living. We…read moreinterviewed a number of real estate agents. Amy was the only one who shared her market analysis with us and answered all of our questions, plus was able to handle significant elements of project management. My parents packed up one or two suitcases and we had movers take some furniture, but otherwise they left everything and it was up to Amy and me to sift through and give away or throw away over 40 years worth of stuff that they had accumulated in their 3,500 sq ft house. Over the next two months, Amy oversaw almost all of the reno work (pest inspection and clearance, interior/exterior painting, cabinet refinishing, new landscaping, a number of repairs, new carpeting, and more). She put in an enormous amount of time finding, overseeing, and troubleshooting with contractors so the house would be showcase ready when we put it on the market. Two months later, we were ready to list it, but the market had softened considerably, so choosing the right price point was critical. Amy helped us find the right number and we got several offers above asking (6 days after putting the house on the market). Amy helped us navigate the inspection, repair credits, and how much to offer to pay for the buyer's agent's commission. It was a huge job and Amy did an incredible job; she was professional, patient, communicative, and tremendously hard working. I would recommend her to everyone and anyone who needs to sell or buy a home.

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 have worked with Matt before on another loan and after working together on two loans now, I will…read moreexclusively continue to work with Matt and NAF in the future. Response, customer service of the overall team, as well as making the process simple and seamless, are reasons to work with these guys. Rate and closing costs were lower than expected and overall experience of the loan process was excellent.

Our experience with Matt Moore and the team at NAF was exceptional. Matt was very knowledgeable…read moreand attentive throughout the mortgage process and was always available to answer any questions we had along the way. Highly recommended Matt to anyone seeking a reliable and trustworthy mortgage broker that prioritizes the client's needs and deliveres outstanding service. We will definitely be using Matt's services in the future.

Don't recall how I found this site but i ventured. Turns out that they are nowhere near competitive…read morein financing terms. Not much else I can add....

THE WORST AND MOST EXPENSIVE MISTAKE I MADE WAS TO TRUST VANCE! Absolutely true account and all…read moredocumented in emails...After giving several of my loans to Vance, in spite of the fact that his prior mortgage company had very poor reviews (Might be why he changed his company name from Legendary Funding). I told vance I wanted to consolidate my loans into one loan, and pull some cash out for a total loan of approx. 3.3M. I would go with a private loan until I cleaned up some banking statements and then refinance later at a better rate. All good so far. Vance told me he got me a loan for one year at a specific rate that I agreed to. He touted the loan as being perfect for me and that I should take it for the meantime until he could get me into a lower rate. He gave me the terms, so I thought, and I agreed. When the notary showed up with the large stack of documents, I went through them fairly quickly rather than to read each page. I just looked for the highlighted terms as most people do. After all, I trusted Vance to tell me if there was anything unusual, or detrimental to me about the loan before having me sign it. So the loan funded and I made my payments. In the last few months of the loan, vance's office and I worked to get me a new institutional loan. In short, it didn't happen in time and my loan came due. I am not blaming Vance for not getting me approved in time, for that was not within his control. I am blaming Vance for not warning me that there was a 10% Late fee on the total balance of 3.3M if I didn't pay the balloon in time. And if you were to see where it states this, and how un-emphasized and ambiguous it appears, you would be shocked. So YES, I had to pay approx. 330k in penalty for being 15 days late on paying the balloon. The lender was Athas Capital and I suggest you stay far away from them. I was horrified and angry. This is the guy (Vance) that always says to me "don't worry, Im here for you" or "I got your back". Tell me this then Vance... How are you helping me if you didn't tell me about this $330k penalty? Did you not know about the penalty? And if not, then you should probably know your loans better that you do. Im sure your clients would need and want to know about such enormous penalties. Or was it that you knew and didn't want to tell me and lose the loan? Either way, you come out looking either deceitful or careless in protecting your clients. I blame myself as well for not reading each page. In all the years before I never had a problem. After dealing with Vance, I will forever reach each page. Im surprised that he had any good reviews after his last company profile which you research. However, Im not going to say anything about his other dealings, for thats not my place nor would it be factual. But in my case, I have all the evidence that he failed to disclose material items to me that ended up costing me hundreds of thousands. And to most that makes him someone you can't trust. If interested, take a moment to read about these excessive balloon payment penalties and the numerous complaints about them, similar to mine. This is when you'd expect your broker to know enough about these hazards, to make sure you weren't walking into one. Feel free to contact me if needed. Update: It appears they may have had "Legendary Funding" removed from Yelp. Most likely due to the bad reviews

Was referred to Christian at Mares by a friend who had done Work with him in the past. This was one…read moreof the smoothest transactions with the mortgage company I have done. No delays no headache. Christian was quick to explain everything and the process along the way.

I've been a realtor for approximately 30 years. I worked with many lenders over the years. Mares…read moreMortgage is one of the best! Responsive, professional and easy to work with. Immediate response to emails. I highly recommend Christian and Cubie!! Mares Mortgage is awesome!!