It was such a pleasure working with Tim and his team. He is a true professional at what he does and…read morenever hesitated to answer any questions that we had. His communication skills kept us apprised every step of the way. After finding our dream home, he made the preapproval happen instantly. We were able to come in with an aggressive offer and still kept cash in hand from our previous home sale. He made the numbers make sense, especially using the VA loan, and scored us a very competitive interest rate. I am so grateful for Tim and his hard work to reassure the seller's agent that we were strong buyers and not to worry about funding-- especially since the deal was contingent on the sellers finding a replacement home. This made us such a strong candidate helped us secure our forever home. I highly recommend Tim at The Joy of Lending for any home purchases or refinances!! The process was so smooth and easy!

As a realtor I highly value and appreciate a lender that is responsive, on time, and can perform…read moreunder pressure. These qualities exemplify my experience with Tim. My experience with Tim was excellent and I will definitely be recommending him to my clients in the future. We were a head of schedule the entire escrow period, he made sure to follow up and keep me and the client on the same page, and he made the process very smooth and hassle free. Highly recommend him to prospective buyers as well as other agents.

My financial package had to be sent on three separate occasions(lost?) over the 80 days I attempted…read moreto refinance my home. Great at making promises like calling me that did not happen especially at the end when trying to get status reports. And yes I was always professional and patient.

John Heil and his staff did a great job on our mortgage. Dealing with all the paperwork is…read morestressful but his team made it as painless as possible. I was able to sign documents electronically which made everything convenient and did not get in the way of my busy work schedule. I would recommend John Heil. My husband and I were very pleased.

Golden Coast Loans is a fantastic company to do work with. Josh and his team are very responsive…read moreand jumped through every hoop I asked for to make sure that everything went as smoothly as possible. They make you feel like you are their only customer with how much personal one on one time they spend to make sure they cover all the bases. They are all very knowledgeable and I couldn't be more happy with my choice to utilize this small local business. They brought up some potential issues that no one else had brought up to me, and we had a plan of attack before even moving forward. All of that said, you would think that they aren't getting as good of rates as other larger companies, but in fact the opposite is true. Personalized service PLUS the best rates I could find anywhere by at least a quarter point. Do yourself a favor and call them up!

I had a few opportunities recently to work with Carl Streicher. He helped my clients with their…read morehome loans. I have been a Realtor for 20 years and was extremely impressed by Carl's even keel and ability to get these loans done. Carl went out of his way to meet with one of my clients two times in Orange County to help collect her documents as she was not really familiar with doing things on the computer. Carl was also instrumental in helping me get offers accepted by talking to the listing agent and assuring them we could get the loan done in a timely fashion. In a world where many just rely on the computer--Carl really connects and that sets him apart from from many lenders out there today. Thanks Carl for your top notch service and communication.

Carl is the absolute best!! We have had 2 seamless home loans during this crazy pandemic time…read more Both went off without a hitch. Carl is awesome and I will definitely use him again!

I stumbled on to Ryan by accident as I was looking for another broker I had talked to in San Diego…read more I am so glad I hooked up with Ryan. The guy does what he says he will do...closed our loan in 21 days with our loan costs being exactly what he told us they would be. Ryan has a great support staff, everyone returns phone calls emails immediately and overall turns a usually stressful situation into a very manageable one. We would use Ryan Gelardi again with no hesitation.

Ryan is amazing... Seriously. I have done a couple loans through him and I cant imagine ever…read morefinding anyone quicker, more knowledgeable, or professional. Lets cut to the quick: We initially bought our house in June of 2010. It was a short sale and the sellers bank gave us 17 days to close our loan or they were going to foreclose. Ryan was able to do a full doc, FHA, short sale in less than that... With a SMOKING rate. Unheard of. Did I mention it was really EASY? And on to the knowledgeable: Ryan reached out to us when a couple opportunities came up to reduce our rate and get rid of our PMI. So Ryan helped us through a couple refis. Since buying the house initially we were able to reduce the cost of our mortgage by $500 per month. Keep in mind we started with a smoking rate, but we also bought at a great time. Getting rid of that garbage PMI in under 2 years was amazing!!! (Thanks again Ryan) Our refis were done within a week or two (no joke). Again the process was too easy. Lastly, the professional: I was referred to Ryan after I reached out to several other loan officers and had yet to receive a call back. The first time I spoke with him he was at the airport returning from a family vacation... Can you find a loan officer to pick up the phone let alone while on vacation? That will NEVER happen. Then around the time my loan was closing he was returning my calls from the hospital while his wife was having their second baby... True story. I have referred tons of friends and family to him, after they hear about my rates and how I was able to get rid of my PMI in under 2 years. A friend of mine was able to save a ton of money with a better interest rate through Ryan. And she said the same exact thing: Way too easy, under 2 weeks, I love this guy.

Russ is the BEST! As a first time homebuyer with LOTS of questions, Russ patiently explained things…read moreto me. He is a wealth of knowledge! I never felt like a burden whenever I would call to ask a question or get clarification on something. It is clear that he wants the best for his clients and isn't in the business just to make a buck. I highly recommend Russ and his team for your lender needs!

We had such an amazing experience with Russ. After working with two mortgage brokers and disliking…read morethem with passion, we found Russ very responsive, super easy to work with and refreshingly honest. He took us over mid-escrow and still was able to help us close on time (in fact, he was ready earlier than promised). His tips were amazing and his cool and calming presence relieved a lot of anxiety in this stressful process. Highly recommend to anyone!

I had every kind of support and help possible. We closed our jumbo loan about a year ago and the…read morewhole crew was upfront and very helpful with every complication and technicality. I would recommend alan Fine and his entire crew for any refinance, equity loan, or other financial advice, after our very successful loan.

We were referred to Alan Fine from a close friend many years ago. Alan and his team, are our goto…read morefor all of our home financing needs and questions. They go above and beyond, working seamlessly together to provide professional, friendly and objective financial guidance and support. We highly recommend C2 Financial and Alan Fine for all of your home finance questions and services.

Brian is AMAZING! I was trying to get a loan for my first…read morehome purchase and was originally referred to a broker by my realtor--which is pretty common. Then a friend recommended Brian at Rancho Costal Funding, and I'm so glad they did! Not only did Brian get me a better rate than the original broker, but he also made the entire process incredibly easy. I can't thank him enough for all his help, and I'll definitely be going through him for any future home loans!

One stop funding. Brian has helped me with my home loan and multiple investment properties over…read moremany years. He has arranged financing when rates are low and when rates are high and makes the process easy, efficient and effective. His pricing is as competitive as I have found. Brian keeps his overhead low and passes the savings on to me. Before I sign an offer to buy I contact Brian. After I sign an accepted offer to buy I contact Brian. Brian makes satisfying the money needs of funding an escrow quick and simple.