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    Santiago Financial

    4.0 (73 reviews)
    Open 8:00 am - 5:00 pm

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    Photo of Lisa S.
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    3 months ago

    The whole team was very helpful in making our first time home buying experience very smoothly with their knowledge

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    6 months ago

    Santiago Financial Services is Fabulous! Cindi and her team are professional, helpful, knowledgeable, and great to work with.

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    6 months ago

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    6 months ago

    Cindi Lilly is incredible attention to detail, great to work withnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

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    6 months ago

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    5 months ago

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    6 months ago

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    6 months ago

    Cindi is great and responds in a timely manner. She has helped me out several times and has always taken care of my questions.

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    6 months ago

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    3 years ago

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    Info S.

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    2 years ago

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    5 years ago

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    3 years ago

    Quiero elogiar a Diana Fernández. Ella nos ayuda mucho . Ella es muy amable y servicial y la recomendaría.

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    3 years ago

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    3 years ago

    Cindi Lilly is professional and knowledgeable lender that takes care of your client's. Not a better lender in the business.

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    5 years ago

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    3 years ago

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    Byron L.

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    4 years ago

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    Byron L.

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    3 years ago

    Very poor response time, kept asking me for the same items over & over, still no refinance after 90 days. Do not recommend them.

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    6 years ago

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    Page 1 of 2

    Ask the Community - Santiago Financial

    Review Highlights - Santiago Financial

    They have a number of Rockstar's but a quick shout out to Daisy, Savanna, Joanna, Javier, Shannon and Colleen.

    Mentioned in 6 reviews

    Read more highlights

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    Pamela Herrera 1 review * 1 photo…read morestarstarstarstarstar 7 weeks ago As a first-time homebuyer, the process can feel overwhelming and even intimidating--but working with Carlos Medina at Vision One Mortgage made all the difference. From the very beginning, Carlos was patient, professional, and genuinely supportive. His warm personality made me feel completely comfortable asking any questions I had along the way, no matter how big or small. Carlos was always more than happy to explain everything in detail and guide me through each step of the process. He made sure I felt informed and confident throughout the entire experience. I truly appreciate his dedication, responsiveness, and the care he showed during such an important time in my life. I'm incredibly thankful for Carlos and the service he provided. I highly recommend him to anyone looking for a trustworthy, knowledgeable, and kind mortgage professional. Adolfo Aguirre (Adolfo Realtor) 6 reviews * 0 photos starstarstarstarstar 8 weeks ago Carlos Medina is an outstanding lender and a true professional. He guides you through the entire loan and mortgage... View full review Emmanuel Alatorre 1 review * 0 photos starstarstarstarstar 10 weeks ago Working with Carlos M. was such a blessing! He answered all of our questions no matter how small and really went the... re- view

    Exceptional service, I'm a very busy person they got everything done for me! Hit me into my new…read morehome within 30days! Thank you hector and vision one!

    West Capital Lending - Zillow's top reviewed loan officer for West Capital Lending

    West Capital Lending

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    I had several prior lenders that wasn't as interested has me to purchased a home, so after working…read morewith Barry Taylor for several years from a different county, he gave me a lender that would listen to my financial goals to be able to manage an affordable home, he made it happen from westcapitallending.com named Eric Freiboth, he is great at his job and has wonderful manners to his clients and it would be a honor to give him a 10 star not 5 because he truly is good at want he does along with Mari Ungos from West Capital Lending. If you want great service, day and night, go to them. they know their stuff. Thank you both for a wonderful experience knowing I was in good hands Thank you, Victor & Davalyn Garcia

    Honestly, this was a much smoother process than I expected. Nicholas Falini and Mari Ungos were…read moreboth great to work with and made everything feel pretty straightforward. Nicholas was super quick with everything and didn't waste time going back and forth. He explained things clearly, got right to what mattered, and that made it really easy for me to make decisions without second guessing. Mari stayed on top of everything behind the scenes and kept things moving. Anytime something came up, she was already on it, which took a lot of stress off my plate. Overall just a really solid experience. If you're going through a loan and want people who are responsive and actually make things easier, I'd definitely recommend them.

    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (715 reviews)

    Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

    ​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

    Santiago Financial - mortgagelenders - Updated May 2026

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