I want to start off by informing everyone reading this review that Erick Cisneros at Pacific Home Loans rocks at noon!!! My name is Elsa Leon and the following is how I got to work with Erick. My good friend received advertisement in the mail from Erick's office. She was curious and thinking about possibly refinancing so she gave Erick a call. Erick answered her questions and gave her some estimates however, she still felt like I had to speak to him because she wanted a second opinion on his offer. Shortly after that, she set up a 3- way conference call where I got the opportunity to listen to Erick's offer. I was immediately impressed with him for 2 reasons. First of all his communication style was very unique. He explained everything with great detail in layman's terms. It's extremely unusual to find a professional in his realm of business that understands that the common civilian may not understand the mortgage world lingo. Secondly, his level of knowledge absolutely stunned me. He answered every question with a great degree of security that only an experienced individual can do. We were sold! Therefore, immediately after our 3- way conference call ended my good friend sent Erick all the paperwork he requested to get her home refinance rolling. As for me, the 2 reasons mentioned above were the deciding factors in giving Erick a call on a possible refinancing on my home. After Erick explained all possibilities on my refinancing I was a bit slow at deciding which term I would take. Erick didn't pressure me, on the contrary he made sure I understood my choices and made me aware that regardless of my decision he was there for me. If there was any information I didn't quite understand or needed explained again he was always available and more then happy to assist. After finally deciding on the terms of my refinancing Erick got right to work and made sure my transaction ran smoothly from beginning to end. Furthermore, I appreciate how Erick made the whole process pain-free and quick. Erick definitely made the process as simple as possible by explaining each step in a clear concise manner. Needless to say that he was always available for questions or clarification up until the end of my funding. I truly appreciate his responsiveness and integrity. He made a scary, unknown process very smooth and clear. I have shared my refinance experience with many people and everyone I've talked to have been impressed by the interest rate on my refinance and how organized and fast things went. I won't hesitate to refer his great service if given the opportunity (which I have already done so). Erick is definitely one of your company's greatest assets. Please convey my appreciation to Erick Cisneros for a job well done. I hope that he may assist me with future transactions. Overall, I thank PH Loans for doing such a terrific job securing financing for me (and my good friend). You got me an excellent rate that was competitive with the very best offers out there. Once again thank you Erick Cisneros for going the extra mile for me. It was definitely a pleasure working with you! read more

I'm pretty thorough when it comes to researching products to purchase, or in this case, a lender to refinance my home. In fact, my wife would say I'm a bit obsessed when it comes to my research on products or companies. As I was researching lenders to refinance with, I spoke to almost a dozen companies and asked them about the interest rates, paying down of points, what the companies charge for their cut, whether they could lock the interest on the loan and for how long, and how long it took to close the loan. All the lenders pretty much had the same numbers: interest rates, points to buy down the loans, the typical 1% fee that is charged by the lender, etc. Except for PH Loans. They gave me an interest rate quote almost a half point lower than their competitors and they charge a flat fee of $895, which saved me $2,605 on that portion alone. I'm a big skeptic when it comes to something appearing to be too good to be true. I contacted several of my friends who are realtors and even reached out to some of PH Loans competitors to ask them what they thought. They said the same thing - it looks too good to be true. Then I looked through the reviews of PH Loans and they were stellar, so I decided to take a chance and go with them. In my case, I was doing a home refinance to position myself to purchase more property when the housing market crashes...as I think it will in the next year or two. So, to be fair, it wasn't an emergency that I needed to refinance for an immediate reason. I say that because if it was a scam, I could have cancelled with them, even past the closing and gone with one of the other lenders. We just closed yesterday, I see the debt has been paid off and the remainder of the funds are in my bank account! The overall closing costs were literally more than $4,000 less than the competition and the interest rates were better. They told me it would take 3-4 weeks to close (again half the time of all the other lenders) on my VA loan. It actually took closer to 7 weeks, but I chalk some of that time up to the Covid-19 situation. The only thing that was more expensive was my VA appraisal, which most companies charge $450-$550 and again, generally takes them 3+ weeks to show up. For PH Loans, it cost me $750 and the appraiser was there in three days! Totally unheard of and I'm guessing it's because I paid a premium. I was okay with that because I wanted to make sure the process didn't go over the 60-day lock, which I was only 40 days into before the loan. So, I would highly recommend PH Loans. I worked initially with Shawn, who is one of the owners, and then with Maricela Burboa who is their senior loan processor and they were efficient and responded very quickly to any questions I had...and I had a lot! I would have liked to have them initiate more of the correspondence, but every time I contacted them, they responded within hours to my requests. read more

I first worked with Pacific Home Loan a few years ago when I lived in Washington state and was very pleased with the work done by Lou Montaino; in fact, Lou was the reason I came back. I had needed since moving back to Las Vegas another home loan so who do I call, only to find that Lou is not Licensed in Nevada. Lou told me that there were many good and capable people in his office that could do business in Nevada. I received a call a later that same day from a gentleman who introduced himself as Patrick Scanlan. Patrick and I spoke for a while and it appeared he would be able to handle my transaction. As a former Real Estate Agent of four yours in another state I can tell if you are being handled; Patrick was straight forward and never committed to anything he could not deliver; cautiously I moved forward. From start to finish the loan was completed in the agreed-on time frame. With markets being what they are now with very low rates, Patrick was able to get me a better rate than what I started out to receive. Patrick had to leave for a week on a family emergency but his manager Dean Lob was able to step in and cover for Patrick, answering any questions that I had and Dean was able to contact me instead of waiting for Patrick's return thus saving time on both sides. While Patrick and Dean are very important to the company's management and through put, without great support staff backing them up NOTHING would get accomplished. Without Ms. Maricela Burboa, their Senior Processor, none of rest of the fine work at Pacific Home Loans would get done. Her long hours and in-depth knowledge of work flow, makes her an absolute necessity to this company's long-term success. She has always been accessible to answer a question and give guidance on what was to happen next. I never felt left out of anything that had to do with my transactions or in other words no surprises. No real estate transaction is ever completed without a solid Title company and Pacific Home loan works with a great one in First American Title Company, their rep was Susan Cho. Again Ms. Cho was always there to answer any questions that came up. Pacific Home Loan is a well-Managed, Educated, and Compassionate company who works with a top-drawer Title and Closing company. I will recommend to all of my friends and family the services of Pacific Home Loan and First American Title company. There may be those older folks that have concerns about a portion of their transaction being technology driven on the web instead of sitting down in a brick and mortar building; In dealing with the folks at Pacific Home Loan and First American Title they are able to put those concerns aside. Well Done Pacific Home Loan, I look forward to our next transaction. M. Scott CWO-3 USA (retired) read more

I will try to be brief. Most people are satisfied I see. Are people perfect? Of course not. Think of restaurants, automobiles, airplanes, ships and many other items or services that one uses. Look at the reviews on ebay, thousands of positive ones on a seller yet a negative one slips through. Many times the customer's expectations are not in Sync. with reality. Anyway, a bad apple can slip through. I started by buying a home on a V.A. loan 2 years ago, 4.25%, 30 Yr. fixed. It took a long time as my credit history is not the best. I succeeded, Yippee. 6 Mos. later I refinanced with an outfit in Utah. It took a long time, the left hand did not know what the right one was doing. I finally got a 3.75% 30 Yr. fixed. 6 Mos. later I Refinanced again. 3.25% 30 year fixed. Much smoother. Now I have been asked "why put $6,000.00 on top of your principal"? Duh...because the monthly payment goes down and over 30 years I save over $15,000.00 total. So, now comes Pacific Finance, They offer me a 2.75% 30 year fixed. I tried my military federal credit union. They came close but Pacific was lower overall. I am now the master of the refinance. This being my third in just two years. Derek Torok and his accomplice ( just teasing ), his co-worker were absolutely amazing. From day one both Derek and Michael communicated with me very clearly and were honest in their dealings. Look, after all, I had the ball in my court. I had paperwork to back up any and everything they promised me. One thing that amazed me was that when I phoned Derek or Michael was that they answered the phone. No receptionist, no voice mail....it was them. Now, I KNOW that sometimes during the day that these gentlemen must use the washroom or go to lunch or Heaven forbid, take a day off or even a vacation. But for me, it was like magic. I started the loan process at the beginning of March, the loan funded and paid off my old mortgage company yesterday March 29, 2016. Wow...i really never had to call Michael or Derek that many times anyway. You see, Derek explained in English exactly what I was going to receive or exactly what he wanted. THEN.......being a computer literate senior citizen I scanned and emailed exactly what they wanted. Perhaps if more customers would have their ducks in a row the loan process would go smoother. I give five stars, 5 being the highest, a ten point rating with ten being perfect, a 100% on their ability, courtesy, customer, and loan savvy, I would recommend these two men over anyone else anytime. I know that employee turnover can be high sometimes, it is a fact of life. But for me, now, I recommend Pacific Home Loans for your loan. I told you that this would be brief. Respectfully, Jim Cook, Loma Linda, California. read more

I would highly recommend using Pacific Home Loans for a VA refinance. LOU MONTAINO assisted me in this process and I would have to say he went above and beyond. First and foremost I was highly skeptical when I received a letter stating the interest and APR on a fixed 30 year and talked with him. I probably called and emailed Lou more than an average person going through the refi process and took the time to explain and probably re-explain the process and steps along the way. The timeline that I was given by Lou was pretty spot on he worked with multiple movie notaries so I could sign my documents in South Lake Tahoe when I was on vacation and when I was visiting family in Nevada he was able to dispatch another notary at a time that was convenient for me. I have never refinanced a home and he assured me that he could honor the interest rate with a very minimal underwriting fee which I thought was odd. I had a loan with USAA and they could only offer me a rate that was over 1% and I had to pay nearly $11,000 for the loan and more to buy the rate down that Pacific Home Loans was offering. My loan is now serviced by loandepot and I thought that if I could go straight to the servicer I could get a better rate. I called them and John Presto in their Scottsdale, AZ office assured me that he could get the same terms. He was misleading and said if I wanted that rate i would have to spend about $26,000 to buy down the interest rate. He didn't believe the rate and terms and told me there is no way that Pacific Home Loans could offer this rate, I emailed the terms of my offer in writing and he had no clue how I could get such a low interest rate without spending a significant amount to buy the rate down. I also had my friend who works at Quicken Loans and tell me there is no way they could offer the rate, without a huge buy down and then it wouldn't even be cost effective or make sense to refi with them. If for some reason I had to refinance again I would call Lou with Pacific Home Loan. I am very satisfied with the customer service and I was always able to talk/email Lou when I had a question. read more

I just did a refinance with PH Loans and lowered my rate from 4% to 2.75%. Mortgage companies were coming at me left and right with refi offers, and none came close to offering 2.75% like PH Loans did. From the flyer I received in the mail, I gave them a call and Lou Montaino was assigned as my Loan Officer. Lou is a straight shooter and I felt like he wasn't adding any fluff that I have felt when going through other refis. I told him what my intention was-- to pay less interest over time and decrease my principal as fast as possible-- and he kept that in mind the rest of the way. Other mortgage companies were trying to get me to rush the process so I would be able to "skip the upcoming payment", even when I had informed them that I wasn't looking to decrease my monthly payment (just add more principal payments) or get cash back from the loan. Lou understood this which made the process go smooth as possible. I completed the refi with Lou and his colleague Armita Fazeli, in very good time, with no headaches or surprises. Every time I called they picked up, or called back in 10 minutes. They sent a notary out to my house and the refi was completed with no out of pocket costs. My refi will pay for itself in a year and I'm saving nearly $11,000 in interest in just three years. And with my monthly payment savings being rolled back into the principal, my 30 year loan will be paid off in 21 years. Couldn't recommend them more highly-- work with Lou and Armita! read more

As a U.S. Army Veteran I would like to take a moment and express my sincere gratitude and appreciation for the wonderful team of folks who work for Pacific Home Loans who assisted my family with the refinance of my VA home loan. First and foremost, Gilbert Duran who went out of his way to always recognize and thank me for my military service throughout the entire process, this type of honor and respect I truly appreciated. Secondly, Bella Jacobs became involved towards the end of our loan process however it was the most difficult hurdle dealing with the underwriters. Bella took charge and she demonstrated to me a quiet confidence that she would ultimately deliver getting over all hurdles that the underwriter presented. Bella did this in short order and with the utmost professionalism and candor I might add. I personally have served the citizens of our nation for 7 years and the citizens of Washington State almost 22 years. During this time, I have been blessed with many opportunities to learn and develop exactly what it means to provide dedicated and committed service. In my eyes, both Gilbert Duran and Bella Jacobs demonstrated just that and I will be forever grateful. On behalf of my family I wish to thank you Gilbert, Bella and the entire Pacific Home Loans team for your exceptional customer service and for making sure you delivered exactly what we always hope for. Respectfully, Mark Glenn read more

Buying a house is a very exciting experience, and even moreso when you know you have a competent, hard-working mortgage advisor. Ken Howard is an example of such an advisor. Submission of documents is a rigorous part of the application process and keeping in touch with your advisor is essential. Ken clearly and effectively communicates which documents are due for submission, and maintains contact on a daily basis. In 2013 we purchased a home with Ken and in 2014 we refinanced that same home with him. The processes were seemless both times. Most recently we purchased another home and his process won us over again. This most recent time we double-apped (applied with Ken and another mortgage company at the same time) to achieve the best interest rate for the purchase of a short sale home. The process of purchasing a short sale alone is at best complicated, the added request of the close to occur in 14 days put an additional pressure on the process. Nevertheless, Ken stepped up to the plate and knocked the ball out of the park. He secured all documents, worked weekdays and weekends, closed on time, and got us the best interest rate and down payment! My husband and I recommend Ken Howard of Pacific Home Loans for all of your home financing needs! read more

Like some of the other postings, I too have had the pleasure of working with Pacific Home Loans a second time now. Oh, did I mention the fact that I can be a nightmare customer because I am moody, cranky and controlling and want things done my way and NOW. But, Lou Montaino of Pacific Home Loans, for the second time around treated me with the utmost respect despite my yelling at times, and always had time for me as if I was his only customer HANDS DOWN! He was patient with me and if ever I had a question he would not only explain, he would ask again and again if I understood what was taking place regarding the loan process. Who goes away on vacation to spend time with their parents but says to you "feel free to call me no matter what of you have a question.? RHETORICAL. BUT Lou Montaino did and he proved himself true because I bothered him by mistake one evening he not only responded to my request for information at 8 pm, while on vacation, he made sure that I had all the information that I needed. I ONLY HOPE THAT HIS BOSS KNOWS THE TYPE EMPLOYEE HE HAS ENTRUSTED HIS COMPANY WITH. Awesome, Lou and Cindy both. I honestly hope they don't run from me the next time I call on them; and there will be a next time. Thank you Lou Truly Grateful read more

I contacted Rafael Pimentel to help me accomplished my goal to refinance my existing VA loan to a new VA loan. He was always courteous and helpful in his conversation with me. My loan was closed in less than 30 days due to his full time and attention . I must say that you as the consumer must be committed to responding to all of his requests for information without delay. I was not a novice to the refinance procedure in that I have refinance more than once in the passed, therefore, I can tell you that my experience with Rafael was certainly the smoothest I have ever had. There Is one bit of advise that I might add is that if you have the opportunity to choose your own title company do so. For example a referral from someone you know has had personal experience with the title company you use. The company that Pacific used in my case fell short of my expectations and could have caused a delay in my settlement had I not handled the situation myself. It would have caused an unnecessary delay of perhaps another week, to include the weekend. Of course this was no fault of Rafael's, he was not directly responsible for researching the title. Having said that I direct all 5 stars to Rafael Pimentel and his conscientious practices. read more

I am so elated to have had the pleasure of working with Anissa Robinson. She's an amazing young lady/loan officer. Anissa walked me through the loan process every step of the way, and iv'e learned soo much from her. No matter what time of morning,day, or night she was always available to service your needs. I mean, this women dont skip a beat. She explains everything in detail that's going to take place from beginning to end, you are never left alone. Anissa worked really really hard for me to get into my home and i appreciate her dearly cause she never gave up, and now today i'm a home owner for the first time in my life. When i thought it could not be done, she made it happen very smoothly. Anissa is stellar! great personality, excellent customer service ,excellent comunicater and very professional. On top of all that!! after home closing and receiving my keys, Anissa is still teaching and stressing the importance of the next phase. So, anyone looking for a stellar knowledgeable loan officer. Anissa's the one. Thanks again! read more

Gilbert Durand was is the person I talk to and after a few minutes I had made my mind up to trust them. It seems like Gilbert Duran remembers everyone of his customers and about their families especially veterans. It Felt like we were long time friends. I mean he gave us three different loan options and went through everyone plus and minuses he cared about us not the bottom line. And after picking a loan company. After two weeks Gilbert noticed the rates went down and immediately called us on Saturday and give us the choice to relook the lower rate and lower fees. Gilbert seems to work all the time I mean I could call his cell or work at anytime and he would pick up. Marshell Romero Is also very detailed working with Gilbert, is a team player and is always giving praise to others behind the scene . they seem to be the perfect team. I like them so much I may have to just refinance to get to work with them again lol. The only thing I wish I could do was write a better review for their company. Roy Starling read more

Normally I don't do business with people who send me junk mail; however, when my "trusted" lender sent me a letter offering to refinance our mortgage for a considerably higher rate than the lowest rate available, I decided it was time to look around for someone else. I grabbed the refi offers that had come in the mail that day and called the ones with the lowest offers. The first person I spoke to was Rafael Pimentel. He gave me a quick estimate and then emailed me his proposal. I then called a couple of other companies and was disgusted to find them to be pushy and just as untrustworthy as my original lender had been. In the end I chose to go with Rafael at Pacific Home Loans and I couldn't have made a better choice. Rafael was honest from the beginning, kept in constant contact, and had everything processed and funded in record time. He was up front and honest about everything he did, and he was also extremely kind and personable. I enjoyed working with him and would gladly do so again. read more

I am a military veteran and a police officer who has done 2 refinancing and a cash out with Derek. To simply describe Derek, I would like to say that he is a Professional, straight to the point and no nonsense guy. From the very beginning Derek explained me everything and what I liked was that he never made any promises that he could not keep. Derek was very patient with me when I had millions of question. My first experience with refinancing was so positive that I have recommended few of my military friends to him. During my refinance I went to several different companies to find out what they were offering, but Derek has always offered me a better deal. I just closed my refinancing at 3.25% yesterday. Derek, thank you for helping me out. I can always count on this company and more importantly "Derek" You are a true professional sir. You truly are for the average everyday home owner and not for the big mortgage companies. Thank you Derek and the crew Great Job!!! read more

After receiving a flyer, I have talked to Patrick over the last year looking for a good time to re-fi my VA home loan (original loan not PHL). Patrick has always been helpful either checking in with me or answering my questions when I called...even when I wasn't ready to re-fi. I just closed my VA Refinance and the PHL staff have been very professional. Patrick and Maricela are the best...but so are the other staff I worked with as my re-fi loan closed. As a veteran, I prefer people who are honest, straight-forward, and tell you the pros/cons of each option. I also had a lot of questions which Patrick and Maricela always answered...sometimes early in the morning, and most times late at the night the same day. My biggest pro is PHL, Patrick, and Maricela explained each step and delivered exactly what they said they would. I never had to worry about the amounts changing during the process. Would definitely use PHL again and recommend them to others. read more

I can't praise Jeff Bertonneau enough! I am a widowed senior and Jeff walked me through my loan processing every step of the way! He told me from the beginning what he could offer me for my loan refinancing, and he didn't pull any punches either! He told me the LOWEST rate he could get for me, and he stuck to that promise! He was SO PATIENT with me and couldn't have been a better friend and confident throughout the process. He is knowledgeable and professional and, most importantly, understanding of my situation. He is AMAZING, and I will highly recommend him to anyone I meet who needs a home loan for any reason. I felt confident and safe with Jeffrey, and his personality is amazing. He encouraged me almost every day until the closing of my loan. Thanks to Pacific Home Loans for hiring and training an outstanding employee like Jeffrey. Again, I will highly recommend him to others and am SO THANKFUL for being able to work with him! read more

I would like to send a special heart felt thank you to Gilbert Duran, Phong Duong, Cindy Duong, Shana Nguyen, and the Pacific Home Loans (PHL) Team for assisting my family and I with our VA Home Loan. The PHL Team worked wonders in making the loan process quick and seamless. This was our third VA Home Loan and it was by far the best experience that we have had with a loan process. The PHL Team initially gave us a list of items that we would need to provide and PHL gave us a complete list of projected time frames for the loan process from start to closing. PHL met these deadlines and our loan was closed in approximately 30 days. PHL's loan process was the most efficient home loan process that we have ever experienced. Gilbert Duran, Phong Duong, Cindy Duong, Shana Nguyen, and the PHL Team are truly magical and we are extremely grateful for all of their assistance. Thank you PHL for all that you do and for going above and beyond. read more

In this complex world, you encounter many problems that can be avoided if people would be honest and use due diligence when doing their jobs. While doing a refinance of my property I was fortunate enough to have one of the few honest and sincere people to deal with. Rafael Pimento is that person who will give you his word and will not deviate from that. Here is someone you can trust in every sense of the word and he does his job professionally while maintaining respect for his clients. I would encourage any and everyone to remember his name and reach out to him when you need to have a great experience in this difficult arena. Rafael Pimento, I commend you on a job done with excellence form start to finish and I promise to call on you in the future whether it's for myself or friends and family because you are one to be trusted. Thank you my friend for making it happen and keep up the good work, Frank B. read more

My fiance and myself had the pleasure of getting our home loan through Dean Lob. Let me tell you something. This is our first home and if you are buying a home for the first time I am sure you feel lost in all the paperwork and understandings of how this all works. It is a lot to learn and understand and is scary to say the least. Dean was our SAVIOR... He made it so easy for us to understand exactly what was needed and what was going on. We had a couple of situations that came up he guided us in the right direction and any time I needed advice I just called him. I got the truth and the real answers. He guided us through everything with such confidence it was refreshing to know you had a friend on your side. I hope everyone that gets a loan gets the pleaseure of working with Dean. No doubt when we decide to move forward in life Dean will be the first person I call. Thank you DEAN! We love our new home... read more