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.

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.

My husband and I went through the process of buying a home from agent Chris Cervantez and the…read moreexperience was regrettable to say the least. Chris first attempted to sell us a house that we believed to be overpriced. My husband and I passed on the property and then asked the agent / developer if he had any additional properties for sale, and he said "No". But it wasn't long before we came across an even better property that was newly built and for a lot less. Then to our surprise, the 2-story house was also owned by Chris. After our offer was accepted, my husband and I contacted Chris and asked him why he didn't inform us about the new house that was available. Chris said in an irritated tone, "It slipped my mind". Seemingly embarrassed, Chris became angrier due to being confronted or caught. Despite how polite my husband talked to him, Chris was disrespectful and continued raising his voice and speaking over him. Chris told us that he would call us the next day, but he didn't. Though he accepted our offer for his house, he would end up not keeping his word. I am not in a hurry to buy a home and have nothing personal against Chris. I just wanted to tell our story because I believe it is a cautionary tale for others. Good luck!

This is our 2nd time working with Chris! He helped us buy our first home in Pasadena, CA and then…read moresell the home once we relocated out of state. He communicates very well and comes very highly recommended!

My family and I needed an experienced realtor that could navigate the potential twists and turns of…read moremy grandfather's trust. Meridox turned out to be the best choice we could have made. Trung and Linh were consistent with their communications with us and kept us informed on all aspects of the listing, negotiations, and escrow processes. From our first meeting, they were well prepared and did their homework. Comps and initial estimates were extremely helpful. The most impressive aspect of their services was the negotiations, with multiple offers received, Meridox carefully orchestrated another round of bidding, culminating in us receiving the highest and best offer. Disclosures, paperwork, and escrow were a breeze. I would highly recommend their professional services to friends and family, and I would use them again in a heartbeat!

I thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

Working with Thomas and his team made our first time home buying process a breeze! We always heard…read moreabout home buying always being stressful so we expected it to be the same but working with Thomas and his team really did not bring any stress or hardships. They made things so smooth. I will 100% recommend & if we ever buy again we'll be working with Thomas at GEM Mortgage!! Thank you for making our first home buying process the best experience!

We absolutely can not say enough about Thomas and Melanie! They were both so wonderful and…read moreknowledgeable at what they do! They made a stressful situation very smooth and simple. Take it from me listen to what they tell you and you will be extremely happy you did.

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

I have used Gem Mortage's services many times (both professionally and personally) and I have had…read moreexcellent experiences every time. Eric has been in the business for many years and his experience and knowledge are exceptional. My transactions have always closed either ahead of time or right on schedule and every time he has been able to offer options which he has explained in detail so I can make educated decisions. Do you need first time home buyer information? Eric is a top rated CalHFA approved lender and can guide you through all the steps to make your dream of owning your home a reality.

Eric and his team are amazing. I have refinanced my two homes with him and it was a great…read moreexperience. There were hiccups that came up with underwriting and his team was always on top of it. He was honest from the beginning and everything he promised took place. I would definitely recommend GEM Mortgage.

This is my 3rd loan with team Nestmade. If your shopping for a lender or a certain type of loan,…read morethese guys will advise you which loan is best for your situation. Initially I was not sure what type of loan I needed for this transaction, but as we spoke to Benson he walked us through which loan would work best for our current situation. I worked directly with Benson this time. And thank goodness for that. The loan started out smoothly however we ran into some issues with other parts of the transaction unrelated to just the loan itself. Midway into the process my partner and our accountant highly suggested I use their lender. Initially I said no. "I am familiar with Nestmade and had good experiences so I'm going to stick with them" But eventually I caved. The other lender however made promises he couldn't keep, so we called Benson back and he picked up or loan where we left off. What I appreciate about Nestmade is their clarity and expertise. They will not make a promise they can't keep. Everything is always transparent. The other part was also our realtor and trying to close on time. Gotta say, this purchase actually sent me to tears! Probably the 1st time the stress in home purchasing got the best of me. Benson came through and went to bat for us and made sure our loan closed timely. My partner said, I'm glad we stuck with Benson. :)

Erika Araujo made my home buying process so easy! She was very informative during the whole thing…read moreand created a financial plan for us to follow. She even helped raise my credit score! Erika doesn't pressure you on anything, and is great at explaining every detail! I highly recommend working with her! She even came to my new home on the day we received our keys ! She truly cares for her clients and helps achieve your goals!

I met Joel in 2020 during the pandemic. He is amazing, easy to talk to and trustworthy. I felt safe…read moreand comfortable in discussing my goals. He's amazing!

Let me start off by saying, me and my wife hand picked Joel based off of his amazing Yelp reviews,…read moremaybe that was our mistake. We reached out to him with a few places that we wanted to see. He got back to us in a timely manner and told us there were no showings yet for some of the homes. We sent him some more that we wanted to see, and Sunday was our first time meeting him in person. We met him at a new construction build, and me and my wife were pretty excited. Yes, we were three minutes late, we can take responsibility for that. We got out the car and approached Joel, who was waiting by the front. Mind you this is our first time meeting, and he never formally introduced himself. He said our names to make sure it was us, but that was it. There was no "Hi, nice to meet you," or "Hi, how are you, I'm Joel." It seemed as if he didn't care who we were and that we were going to be his clients. We never had a formal sit down to discuss the process, what we were looking for, or asked if we had any questions. We never even got a business card from him, but he was sure quick to leave them at every place we saw. Once we started viewing the homes, me and my spouse were talking amongst ourselves about the things we liked and didn't like. We aren't picky but we would like a few things. He never asked what we wanted or did we like any of the properties. Once we found one that property that he suggested, he didn't even ask how we liked it. He just told us the next step is to put our names on the list and fill out the required paperwork. He definitely wasn't big on small talk at all. It seemed as if he just wanted to get rid of us, and he had other places to be. He didn't even TRY to get to know us personally. If you can't build rapport with your clients, why should the clients trust you enough to buy a home with you? First impressions are everything and this first impression sucked. While we were looking at one property that we really liked, the sales rep was in the office with another client after we came back. Joel told us we could go see the other model while we waited. We came back and he was having a long conversation with another realtor there. He saw us and continued on with his conversation. He never asked us how we liked that one or what we thought. Just kept talking away and never said a word to us. He talked to this guy more than he talked to us! At the end of this visit, Joel said the next step is to fill out the paperwork to get on the list with the builder and then he said goodbye. Excuse me but how did YOU know we really even liked the place? Don't think you're about to get a pay out for 5 minutes of work. If we are going to have to know you for the next 6 months while waiting for the home to be built, you better treat us like you give a crap about us. Let me tell you, Joel suggested ONE property to us. He never sent a list of other available listings or did any of the leg work. We found the places and all he did was meet us there. We didn't have any appointments or anything. The people in the sales offices spoke to us more than he did. We don't need a "communicator," we can talk to people ourselves. I even waited to tour places, so that Joel could receive the commission, because a realtor needed to be present on the first visit. He didn't talk about any of the properties or what was included. I'll say this, there's many real estate agents in the area, we definitely don't need you if you don't care. This was going to be a for sure sale using the VA loan, but someone else will meet our needs. We are also NOT first time home owners, so we do know what to expect when it comes to a realtor and what good customer service is. Would not recommend him, unless you're searching for your second million dollar home in the Inland Empire. He just wants the easy money and does not care about the client. S/N: Attached is a text from Joel, in case he tries to dispute us ever working together.

I cannot recommend highly enough. Even though I decided to hold off on selling due to personal…read morefinancial situation. The service and care I received from Erika and David are exceptional. Most agents only care about the sale, but they truly care about what is best for me. When I was going though a nightmare eviction and didn't even have possession of my own house yet, they were there. They listened to my worries and showed genuine concern for my situation before there was even a house to sell. That kind of heart is very rare to find. Once I finally got the house back, they guided me through every step of repairing the damage that the renters left behind. They are so serious about their work. They are punctual, they keep every single promise, they do things the right way. Even though I have decided to hold off on selling right now because many personal uncertainties, I feel so grateful for their guidance. Their personality, their caring nature, and their professionalism really stand out. I will go back to them without any doubt the moment I am ready to sell. Thank you Erika and David truly from my heart.

After searching through yelp and google, we decided to give Erika Shinzato a chance at selling our…read morehome based on her many positive reviews. She and her husband David were both amazing and professional from the get go. She sold our +$1M home in 7 days with multiple offers. Their marketing, photography, advice, and guidance through my home selling process made everything a breeze. I would not hesitate to recommend Erika and David to anyone. I would give her 6 stars if I could. Great job!

We interviewed five agents, but John Abril stood out. He was the only one who genuinely cared about…read moreour move, asking 'What are you looking for?' and 'What do you expect from me?' This personalized approach, combined with his calm guidance through a stressful sale, made him the perfect agent. John was always responsive, professional, and his strategic plan delivered excellent results. We couldn't be happier. Thank you John!

From the owner: John Abril the Realtor broker real brokerage technologies and birdeye loans inc…read more Looking to buy or sell a home in Upland CA or Ontario CA With 24 years of experience as a top realtor real estate broker and mortgage broker I specialize in helping homeowners sell for top dollar and guiding buyers through smooth successful transactions For home sellers in Upland and Ontario Want to sell your home fast and for the highest price My strategic home selling plan includes expert pricing professional photography home staging social media marketing and direct outreach through door knocking and networking I aggressively market your home to attract the right buyers and negotiate the best terms for you For home buyers in Upland and Ontario Whether you are a first time homebuyer upgrading to a larger home or investing in rental properties I help you find the perfect property and secure the best mortgage rates From FHA VA and conventional loans to investment property financing I handle the entire process For homeowners needing mortgage solutions As a licensed mortgage broker I provide expert home loan guidance for purchases and refinancing ensuring you get the lowest rates and best financing options in todays market If you are searching for a trusted experienced realtor in Upland CA or Ontario CA I am here to help Lets discuss your real estate goals and create a winning strategy