Waste of time! Went in for a mortgage loan, came in with a list of things to do. After I took of everything, James and team gave me a run around. Every time I called James wasn't in and or in a meeting: they would say they would call back but never did. Don't bother with them, go somewhere else. read more

Perl Mortgage had always answered my questions and are so helpful when I call. The Burbank office and the Century City offices have all helped me and my family and I recommend them to anyone. read more

The whole team at Perl is stellar in my opinion. James always takes my calls & returns my texts promptly. He always has an answer for me and knows his business. Karen is always amazing and on the ball. It seems to me that the negative reviews are to blame on the clients/reviwers, not James or anyone at Perl. They've all gone above and beyond for me on multiple occasions. And I really appreciate that kind of personalized attention. read more

Even though I was totally qualified and with a stellar credit rating, it took them six months !!!!! to finally get the papersthe day I was leaving town for a long trip I had told them about. I heard every excuse along the way from "I forgot about your application", "sorry, it was christmas", " i had a cold" to "this is unacceptable". I dont even know why I let it dragged for so long except that it was so beyond unprofessional that I wanted to see how far they would go in their ineptitude. All this was very polite and with big smiles. read more

I was referred to a Mortgage broker called Perl Mortgage in Yaka Valley. I then Directly spoke with a guy name James. As I asked about our options he advised me to get an FHA loan, because that was the best option with my income and my girlfriends bad credit. He assured me that we will qualify for at about 115k once or twice in our initial conversation. However, after pulling our credit and submitting the application, he insisted, if we want to be qualified now we need to settle with 3 Credit collection agencies to move forward in my girlfriends credit. (my girlfriend worked as a collection agent for years as well and knows a lot of people in the industry who is the second borrower on the application). He was convincing so it took me few days with complete dedication to call this agencies and negotiate. These negotiations are real hard work, being on the phone with these agents for hours going in circles, it is nerve racking to say the least. The first company was easy, but the last two Nissan and Cavalry was a total battle, but I did this for my gf and me and it was for us to buy and own something of our own together. These last two that we had to pay to settle, one was $1600 we settled for 800$, the other was $6900 and we were able to bring it down to $2600 when they spoke last with my girlfriend. T. kondzoyan. I paid $1000 of my own money to help her settle.NOTE the accounts were old almost 7 years, and would have fallen off in months When we called back with these settled letters, James said we qualify for 115k. After we made trips to Indio ca 2 whole day trips to indio ca, looked at 11 different condos, when we liked something we wanted to offer a price, we ve beed told that the building is not FHA approved by Perl Mortgage, James or Zack. Well ok fine, are there any? no there arnt any In indio and just a couple in surrounding cities Way of our price range 115k. Little upset and later got mad as I was thinking about not being informed and just waisted days to look at condos. "its the real Estates Fault" they said. OK fine.. I spend another 3 full days of trying to get FHA approved buildings in our price range (condos). And I m letting james know all my steps, step by step. SO I finally found one that was close to our price range, one was listed 114k, the other one 130K so we could've made an offer. So I planed my trip in detail to meet my real estate agent at that property 120miles away from my home. At the last minute my real estate realizing the illusive nature of my Mortgage broker, asked me some questions and one was did James Included the hoa in his calculation, when I called James, he said No he didn't that may "kill my debt and income ratio" oh really. So when he said that i wanted to make sure that he didn't miss anything else.. and I said " ok James so you did include everything else, all my expenses like my car payment. He said Oh i need to look at your file, and came back to me saying that we didn't put that in my application (file) and this will definitely with the HOA kill my debt to income ratio. But, he texted as I was getting furious at this point that I still qualify, but for a lesser amount. Note: we could hardly find one building with HOW approved at THAT 115k, price range. So after all that time effort and money we spent trusting Perl Mortgage, 1k of my own cash and all of my time on the phone with collections, real estate agents and Perl Mortgage, who had no trouble talking and explaining things for more then an hour on our first conversation alone, and I was 100% honest with them, we are put in a position where we don't have the 20% down payment for a reg loan, and can't find anything at that price HOW approved read more

I appreciate the time the Perl employees all took with me, helping a senior through all the options and taking the time with me each time I called. read more

James at Perl Mortgage is the best! James, his wife, and staff are very friendly. James is very knowledgeable, professional, patient, and he is honest. His word and handshake actually means something. He was always available to answer our questions and he always returned our phone calls quickly. We had been trying to help my disabled mother from Nevada purchase a home in Yucca Valley and the good people at Perl Mortgage made it happen. My mother is on a fixed income from social security and has okay credit. We looked at several homes for months. When we finally found what we wanted, the process went very quickly. We had issues with out original loan type and James helped us navigate into a different type of loan. At the last minute the loan qualification changed and they wanted my mother to have another line of open credit. We were frustrated and my mother was upset, she thought her dream of owning her own home was lost. James really came through and he fought for my mother. Without his help and determination she would have never gotten her house. James made it happen, 100% his effort. If there is any way possible, James and his team will get you into the property you want. I would highly recommend James and the great people down at Perl Mortgage for all your real estate and mortgage needs. (I have already referred friends to James) read more