Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Third time we've used Aragon. Closed in record time. Her team is always always on top of…read moreeverything. I'll be back for a fourth time.

ZERO STARS!!! THEY GIVE MORTGAGE BROKERS A BAD NAME!…read more The other Yelpers validate my review. TJ Financial is INCOMPETENT! Yelper "M R." is probably directly associated with TJ financial, so I wouldn't trust his/her review. I recently refinanced my loan with Victoria Financial, in San Gabriel. The experience was much better. The best part about it was the experience. Serena's staff was much more attentive. Unlike the security guard clerk, a.k.a. the receptionist, at TJ who makes sure no client comes in direct contact with TJ's staff. Victoria Financial truly gave NO POINTS and NO FEES!

My fiancée and I recently bought our first house in the city of Arcadia, and we are EXTREMELY happy…read morewith the service that T&J Financial provided. We were able to obtain our loan within 2 weeks! T&J Financial approved, removed our loan contingencies, and issued the loan docs within Week 1 after we sent in our applications, and we were able to close escrow in Week 2. Initially when we applied for our loan, our loan processor picked a lender that she has been working with for the last 10 years. Unbeknownst to my fiancée and I, this lender was in the process of being taken over by a well-known Wall Street investment bank, and no loan was being processed until the take-over deal is finalized, which takes about 3-4 weeks. We had 17 days to remove our loan contingencies, and I called our loan processor on a daily basis to get an update on the status of our loan without getting any news/update. When we had only 6 days to remove our loan contingencies, our loan processor called us and asked us if we wanted to apply with a 2nd lender because she got the official confirmation from our 1st lender that they were not able to process any loan until the take-over deal is completed. Our loan processor suggested that we went with T&J Financial for our 2nd lender because she had just submitted a loan application with them for another customer of hers on a Friday, 8/7/15, at around 9pm PST, and T&J Financial approved of the loan on the following Tuesday, 8/11/15. (And from what I have heard, that customer's loan was funded 2 days prior to ours.) As this point in time, we were desperate so we went ahead and submitted our loan application at around 8pm PST on Tuesday, 8/11/15. On Wednesday, 8/12/15 at around 5pm, our loan processor called to let us know that our loan has been approved. After our loan was approved, we worked with our loan processor to provide T&J Financial with the paperwork that they asked for so our loan contingencies could be removed. After we have satisfied all the conditions that T&J Financial asked for, our loan docs. were issued on Friday, 8/21/15. The seller's agent was very surprised when we informed him on Monday, 8/24/15, that escrow was going to be closed around the end of this week. Needless to say, he was caught in a bind because he thought he had more time to order a termite fumigation. LOL... We have just been informed today, 8/26/15, that our loan has been funded, and escrow will be closed tomorrow, 8/27/15. Honestly, when I read the negative reviews that T&J Financial has gotten from their past customers, I was really apprehensive because we had been burned previously by our 1st lender, who just let us hang. I was stressing out about the delays that we would run into with T&J Financial based on the previous customers' reviews. However, upon reflections when I heard that T&J Financial has funded our loan today, I realized that as long as your credit history is good, you provide T&J Financial with valid proofs of income/tax refunds, and you have honest cash to cover the 20% down payment and fees in your bank account, the whole process of obtaining a loan with T&J is very simple and straight forward. The staff at T&J Financial works very fast to make sure that you can secure your homes, and I truly want to thank our underwriter, Sue, for processing our paperwork with lightning speed so that we can obtain our loan within 2 weeks after submitting in our loan application. All lenders want to lend you their money because they make a good amount of profit from the loan's interest, but in order for them to lend you the money, you have to provide them with bullet proof evidence of your financial standing so they can fund you your loan. Nobody wants the housing bubble crash to happen again. Hence, you need to do your part to secure your loan. You cannot just blame the lender if you have unknown/shady incomes and dirty money in your bank accounts that cannot be explained. Also if the lender wants you to buy a certain insurance for your home, it is due to the findings within the hazardous report. If you think about it, the lender owns 80% of your home. Hence, they need to cover their asset in case of any disaster that arises. You cannot blame them for making you to buy flood insurance if your house is located within the flood zone. Read through your house's hazardous report if you want to get an idea of what type of insurance your lender will ask you to get so that you will not be caught by surprised when they ask you to buy the insurance as a condition prior to funding. AND NO, I DO NOT WORK FOR T&J FINANCIAL if any of the negative reviewers want to raise the validity of my review. I do not write review unless I feel a very strong need to, and in this case, I wanted to write the review for T&J Financial because I do not want other customers to be scared and worried like I was when I read the previous negative reviews that T&J Financial has received.

I was referred to Michael from a work friend at city of hope . A previous lender kept in contact…read morewith me past three years with no commitments on my part and full transparency I'm looking for the best fit for me and how I go about decisions . From initial introduction it was a pleasant professional educational experience with great communication, support and unbeatable value for the quality ! His rates with service plus unbeatable fee I was impressed and that is not often . I had a third and fourth lender all interested in doing business . I'm so thankful for my work friend for her referral . Michael also connected me with home insurance that I compared with wawanesa, AAA, State Farm , as advised and I saved over 1k with some agencies quotes . From finding my home to getting my home it was all within one month and I'm a first time home buyer . Cardinal escrow I do not recommend if you have a choice ...honest review . I highly recommend Michael's services , he can communicate effectively, gives you support on decisions you make , accessible, email savvy , and can answer or assist you with any inquiries. Him and his team are worth writing a review .

Best agent in services that I have work with. Michael is absolutely amazing. Michael is detail…read moreoriented and always make the best recommendations.

Just closed on a HELOC with the best rate I found (by far). The process was super easy- I kept…read morewondering what the catch was. Justin was very responsive and easy to work with. I highly recommend this company!

Great team and very professional They are really…read moreinformative too and quick to follow up

This is our 2nd time working with Tracy. She was our buying agent years ago when we purchased our…read morefirst home back in 2013. She was very knowledgeable, professional and patient through out our year long home buying process. so when we knew that she's a loan officer now, we didn't hesitate to contact her to help us with our loan for our new home. With her background and experience in the real estate and home loan industry, the whole process was just smooth and effortless. We didn't even need to meet with her in person. everything was through minimum email/text and phone calls. She is very responsive and patient with all the questions we have(whether it's loan related or home-purchasing related. yes, she will answer them all because she pretty much knows them all, and she will explain to you very well), she understood exactly where we are at and guided us step by step throughout the process. one thing i like the most is that she's always on top of the communication and prepares us for the next step. she would email and text/call us just to make sure that we are updated through the process. she let you know what she needs ahead of time so you can have plenty of time to prepare the documents. and most importantly, the rate we got is awesomely low! beats all the major banks or credit unions out there. she first let us know the recent market rate and gave us idea about where and when is the best to lock the rate. and They are DIRECT LENDER. loan app was approved very fast. We really want to thank Tracy for saving us a lot of money and time. We highly recommend her.

Tracy is an excellent lender. I highly recommend her if you're looking for a mortgage. She was very…read moreresponsive to all questions and concerns. Tracy listened to my client and came up with solutions that fit their needs. I am very appreciative for Tracy and her team! We enjoyed working with her because of her kindness, professionalism, knowledgeable advice, personable demeanor and availability throughout the entire process.

I just got my late filing of previous LLC penalty removed of $5040 via the negotiations with IRS…read moreby Kyle Cao, CPA manager. He is a true professional and I appreciate this alot.

A insurance company that is unable to provide paper copies and keeps telling me it is electronic…read morefiled after over 3K payment cleared . Asking for so many time and ended up sending me a blank one...!? How incrediable this company trained and educated their staff!?

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.

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.

She is amazing! She has done several loans for me in a quick manner. The most competent and always…read moreavailable loan officer you will meet!

I met her through a reference. She did my HELOC. She took almost 2 months or more for a simple…read moreHELOC and during that process, she managed screwed up HELOC on my another property. It was a huge financial hit for me. I have no problem with her dedication, availability. However, if you want someone competent and someone who can get the job done, she is not the person.

Eddie is extremely knowledgeable and helpful. He's always easy to reach and took the time to…read moreanswer all of our loan-related questions, no matter how small. Very nice guy, too!

It was great working with Eddie throughout my whole process of buying a condo. He was very patient…read morethroughout, easy to work with, and responsive. Would definitely recommend to anyone and will go through him in the future when I buy again!

Working with Vivian through the mortgage application process was exceptionally easy and stress-free…read morefor me. Despite this being my first home purchase, Vivian was able to give me a pre-approved loan on the same day I provided her with all the relevant financial documents. What makes Vivian an extremely efficient mortgage lender for a novice home buyer like myself is her prompt response and rich knowledge of the entire process. She executed all of the backend logistics professionally and flawlessly. It has been a great pleasure working with you, Vivian, thank you.

Vivian is amazing! If it's not for her, I am sure our deal…read morewon't closed. I just had a very bad purchase experience due to the seller's side, dealing with incompetent Escrow office appointed by the seller. They literary screwed up my loan by ignoring closing date, let alone didn't care about any schedule along the entire process. If not because Vivian went above and beyond to get it done for me, the transaction won't be able to close. Vivian is not an ordinary loan officer, she is knowledge and experienced. Also, she does not treat you as a number; she treats you as a friend and she really cares. She is honest and trust worthy, you are in good hands with her. Thank YOU Vivian!