Tom is great but all you need to know is that he probably has more experience than anyone you will…read moretalk to. He's been doing this for 4 decades. He personally handles all loans from initial contact to completion. Where are you going to find that?

I was first introduced to Tom & Pam of Bixby Knolls Mortgage a couple years ago and ever since…read morethen, I knew why they were the go-to mortgage lenders! They are such wonderful people and the team is so on top of things! Tom has been in business for over 30 years and is very knowledgeable. He will explain everything in detail and will handhold the first time buyer's (or any buyer) hands like a father or coach. Pam is just a bubble of goodness and sunshine and she brightens up your day with her positive energy! They always do their best for us agents and our clients & I promise to use them when I get my first home. :-) Thank you guys and your team for your hard work in getting our escrows closed and always providing such amazing programs for our buyers!

We were looking for low interest loan to buy a house in March 2022 and I was referred to One True…read moreLoan by a friend. Their website was not very encouraging. It could be updated to look a bit more modern. Once you get past the initial feel of the website, everything else is just amazing. I submitted a quote online and within hours I got a call from one of their reps, Christine. Christine is an absolute joy to work with. She's amazing at her job. Unlike other lenders and big banks, you don't get passed around from person to person. Christine was there throughout the entire process. We were bidding on home after home and the rates were changing by the hour and somehow she was able to get us pre-approval letters within a few hours! After one of many of our offers was accepted, Christine worked with me, my agent and the seller's agent to put together a plan to close in 17 days! This isn't normal, but One True Loan was willing to go above and beyond to help us get the house. I can't thank everyone at One True Loan enough for going out of their way and their normal business model just because one of their clients needed it. During the escrow process Christine introduced me to Joanne. You think there's no way there could be two awesome, experienced and pleasant people in the same company but you'd be wrong. Joanne was so great and so helpful. I would get daily, if not hourly updates. I know they are super busy but they make you feel like you're the most important client they have. I don't understand why anyone goes to other companies or banks for buying a home or for refining. They have the best rates, lowest closing costs and the best customer service I have ever seen. I can't say enough good things about One True Loan. Please update the website.

We had an excellent experience with Christine and One True Loan! She made the mortgage process so…read moreeasy from start to finish. Communication was clear and consistent. She always took the time to explain everything and answer our questions. What could've been stressful ended up being smooth and straightforward. Highly recommend them for their professionalism and outstanding service!

Steve Hill did a great job on my loan. This was the first time I worked with him.. He's always…read moreavailable, a nice guy and did a great job at clearly answering my questions about the confusing parts of the mortgage process. He also explained the possible loan options and the pros and cons of each. My transaction was a tough one since my income for the past couple of years was inconsistent, but he was able to work around that and use the strong parts of my profile to get my loan approved. The loan process is always nerve wracking but Steve was awesome at keeping the process calm and focused. I definitely plan on working with Steve in the future!

Bryan and Michelle are understanding, hard working, and step in to help when everyone else says no…read more They are very personable, easy to speak with, and very efficient at finding reasonable answers money issues. I strongly recommend them to help you!

This was my fourth loan process that I have gone through and I can't say enough how pleasant and…read moreeasy it was. My loan officer was Mike Jarvis and he checked every box for me with satisfaction. Anytime I wanted an update he replied within minutes, straightforward, and with no delays or excuses. I am in school and work full time so I was hesitant to start a refinance because it can be so hectic. This go around it was so smooth and straight forward. The fees were minimal and the rate was with market rates. It was a please to work with HomeLoans and I honestly would recommend to anyone I know. Also, let me add that I got the cutest closing gift!

May be a scam. I talked to one person and they requested a…read morecopy of my current mortgage statement and they said they would get back to me next day. A week passed and no response. I followed up again in 2 weeks and they said they call back shortly and they never did. Look elsewhere as even based on Google reviews there may be some shady things going on: https://www.google.com/maps/place/Ladera+Ranch+Home+Loans+DBA+Hometown+Loans/@33.6691919,-117.8554116,17z/data=!3m1!4b1!4m5!3m4!1s0x80dcdf0a5a134bad:0xad92618db5cc1109!8m2!3d33.6690455!4d-117.853383

In September 2017, I refinanced my home using United Finance Corp. located in Tustin, California…read more My broker was Mark VillaGomez. The reason I chose United Finance Corp. was because of the information I received in the mail, and the biz was related to my original home purchase financing. I called the number on my literature and Mark VillaGomez. From the onset, Mark was courteous, helpful, knowledgeable and professional. He provided me with information regarding the refinance process and explained, in detail, and what I needed to get to him. I or provided him the info he needed, that day, and we started the process. Everything went according to plan, as he told me, which was awesome. We did come down to the wire when it came to diving the documents; the notary notary came to my house at 8:30pm, and again the following morning as she'd forgotten a document. Funding made its way to me a week and a half later or so. Mark and I communicated by email and phone throughout this process. Great customer service, no hiccups, according plan. I paid off my debt with some of the money I pulled out. Since the closure and pay off, my credit has gone from fair to excellent in a short period of time. Thank you Mark! I will refi again in 6-8 months, hopefully, to get rid of the PMI. United Finance Corp was great. As a side note the home appraiser, someone contracted from my area, posted photos on my appraisal documents which were not my house. That's my only concern with the process, Tanya please send me an updated copy as we discussed. The gray and White House pictures on last page of report are not my home. Mine is the one at the beginning of the report.

I love love love love United Finance. I was buying a house and a truck and they were able to help…read moreme out. I must say Juan, and Tiffany are AMAZING and outstanding in their customer relations, I absolutely give them 5 stars. Bonnie the front desk is sweet. I did not give them 5 stars as they are super out dated and inefficient on payments. They have no payment portal, or online pay services, or app based payments. I travel for work and have to be fast and electronic on payments. I wouldn't hesitate to use them again if caught in a pinch. It is no surprise this company is either at or over 100 years old, its all about customer service!

These guys are the best and the fittest in all of Inland Empire. So far, Jose Luis and his Team…read moreprocessed two loans for me. Both times, the entire process was smooth and easy. They will get you the best deal in the market, and explain the whole process step by step. I recommend them 100%.

Top Tier Service from Start to Finish - Thank You, Jose!…read more Working with Jose to secure my mortgage loan was an outstanding experience. From the very beginning, he was welcoming, professional, and incredibly easy to talk to. Jose made a complicated process feel simple with his clear communication, fast turnaround, and above-and-beyond attitude. He was always available--whether it was answering the phone right away or promptly calling me back. No question ever felt like too much, and no task was ever too difficult. He jumped through every hoop necessary to help me close on my home, and he did it all with grace and speed. What truly stood out was how personal and genuine he made the experience. On the day my home officially closed, Jose actually came out to the house to meet me in person. Really speaks to his character and care for his clients. If you're looking for someone who will go the extra mile (and then some), who communicates clearly, and who gets the job done fast--Jose is the one you want on your side. I'm so grateful for his help during such a huge milestone in my life.

Highly Recommend! Wayne Wang is a great refinance loan…read moreofficer from Just Funded Mortage. He is really willing and able to take care of his client and fulfills his responsibilities. Then, he can handle some processes professionally. If he had not helped me with my loan process I would have had to spend more time buying a home. Truly Recommend!!!

Wayne Wang and the entire team at Just Funded Mortgage are amazing! I have never had such a quick…read moreand painless process refinancing. Plus, the communication was stellar. I've dealt with other companies who take days to return calls and emails. Not so with Just Funded Mortgage. My calls and emails were always taken or returned immediately. I can't say enough good things about Just Funded Mortgage, specifically our sales manager Wayne Wang. He really went above and beyond in every way. Highly recommend!

The first time I was introduced to Babak was in August of 2016 during our first home offer. In…read morecomparing, CPLC rates were significantly better tha 5 other lenders I reviewed. When the home purchase fell through due to other reasons, I kept Babak's contact in mind for future offers. Life happened and we were out of the home market for a while, but during that time, Babak kept us on his mailing list so we could be updated on how the housing market was doing. Forward to September 2021 and we were finally back on the housing market. We found one that we liked and checked with Babak along with a few other recommended lenders for rates. Only Babak and one other lender asked more questions, which showed me lenders just throwing out "low" rates vs those actually working to give the best rates. But Babak took the edge due to timelier responses; never having to wait more than a business day. This was crucial because of how hot the market was at the time with offers being reviewed within a week. Pre-Approvals and Desktop Underwritings needed to be included, so that Sellers would not reject offers due to questionable loans. So I asked Babak if PAs and DUs could be completed to include with the offer and he worked diligently to provide them within a day (that evening actually). Unfortunately, we were outbid and the next offer was a similar scenario where the sellers were reviewing offers within a week. Babak promptly delivered the PA and DU within a day, and again our offer was rejected. This vicious cycle happened a total of 12 times over 10 and a half months. But I can impressively say that all the offers had PAs and DUs included. Babak would often follow up and when we broke the news to him, he would reply with encouragements like "Hang in there!". These were great, especially when you just lost the opportunity to purchase a great home and you start wondering if you'll ever buy a home. In July 2022, we finally found a home in a new community and were ready to move forward with our home loan. The Builder's Home Loan Department gave us their rate first since we had to prequalify through them and assured us that their rates were the most competitive and that shopping around would be pointless. The Builders Loan Agent (BLA) said they would include a possible builder incentive (cashback), a 1pt reduction from the interest rate, a 120 day rate lock, and a rate renegotiation at the date of closing (if the interest rates had dropped). I took that information back to Babak and after he reviewed the home and finance details, advised that even with the 1 point reduction, the BLA rates weren't competitive at all. He could easily provide the same rate with 0 points and urged me to verify if there were any actual builder incentives, additional fees for the renegotiation, and to be cautious of any inquiries that were taking long to answer or being ignored (meaning they may be hiding things). I took Babak's advice and emailed the BLA and all that advise bore truth when after WEEKS of waiting for a reply, the BLA finally responded that there were NO BUILDER INCENTIVES AT THIS TIME and that A RENEGOTIATION WOULD INCUR A HALF POINT FEE! When I asked why this was not told to us up front, he stated that IT WASN'T COMMON PRACTICE and HE DIDN'T THINK HE NEEDED TO MENTION IT. While this was all occurring, Babak was already working on getting me a 90+30 day rate lock, closing date renegotiation with no fee, and sending me the interest rates twice a day! Even more so, Babak didn't use force to pressure me into doing business with CPLC. He sent one kind reminder that he had been providing services to me for many months and that he was really looking out for my best interest. I wholeheartedly agreed, but just asked for his cooperation as I explored the builder home loan option for due diligence. His reply was that of a true professional... "Completely understand. Will wait to hear from you." He didn't push me into a corner, he didn't bully, and he definitely didn't guilt me to move forward with him because he had provided 10 months of service to me at all hours of the night. He showed true UNDERSTANDING and PATIENCE! When I decided to go with Babak and told the BLA the rate quoted, he replied with, "THERE'S NO WAY! YOU HAVE TO SHOW IT TO ME IN WRITING! EITHER WAY, WE CAN MATCH IT! JUST GIVE IT TO ME IN WRITING!" At this point I was done and replied, "Why would I go with you to 'match the offer', when MY LENDER already did all the work?!" From that point forward, everything was smooth sailing with constant communication from Alissa and Babak. Even after dealing with Builder delays and our rate lock nearing expiration, Alissa kept calm and helped us stay calm. When the final approval was received and we only had 5 days before the rate lock expired, Alissa rose to the challenge and finished everything we needed in 2 days! Definitely recommending my friends and all of you to talk to Babak and Alissa!

Babak has guided us through escrow on our first home and was on top of things when it was time to…read morerefinance for the first time. He is professional, knowledgeable, incredibly prompt and an overall a pleasure to work with. Not to mention he has help save us thousands of dollars! 5 stars!