AMAZING AND SMOOTH PROCESS....Special thanks to Larry Reyes and his team for helping me get through this roller coaster off a process! I am thankful for all their help and knowledge and getting me into my dream condo! I definitely recommend them for your next home purchase! Very helpful and knowledgeable got me in at a great rate! read more

Smart Home Mortgage - Mortgage Brokers Near Me - Oxnard, California

We paid our account off about a month ago. We were told this company did not receive the pay off check for FULL amount due. We sent a second check to pay the account off. One of the checks should have been return but NO it was not, only PART of the money was returned to our bank account. I would NOT recommend this terrible company to anyone! If I could give a "0", I would have. read more

Outstanding service! Smart Home Mortgage always does an excellent job processing our loans, best rates, fastest, quality service! read more

Larry and his staff were very helpful during this long process for us. They were always knowledgeable and open to questions we had. I loved the updated check list they sent every time we had a new step closer to our goal. We had a few bumps which they handled quickly and made it possible for our loan to close. We would definitely recommend them and will be using them for any future loan ventures Thank you read more

My fiancé and I bought our first house in Ventura, CA through Smart Home Mortgage with Staci Aguiar and she was great! She responded quickly to all of our emails and made it a simple process. The whole process of buying our home only took us one month. They even gave us a Home Depot gift card at the end of the process! read more

They were really helpfull and we are gratefull to have them part of our team!!! 100% recommended! Fast communication, responds quickly. Very easy to talk to and reliable. We were able to close in less then 30 days with them. read more

Had the best experience I could have ever imagined using these guys!! They always got back to you so quickly and promptly, always send you email updates so you always knew where everything was every stage of the way. My husband and I are first time VA loan home buyers and had NO clue what to expect, and Larry called us directly and gave us so much amazing and digestible information. We not only got a great rate but felt really taken care of as well. And when we came down to the wire they rushed everything for us no problem to help meet our escrow close dates! I was so happy with everything from start to finish and God forbid I ever move again I would definitely use them again!! read more

Larry Reyes is amazing! He has helped us on a refi of our old home and a new purchase! He made miracles happen and got the loan done quickly even though there were some issues. I highly recommend them and will use them again in about 5-7 years! read more

Larry and his team at Smart Home Mortgage were very professional and helpful. Any questions I had were quickly answered with an in depth explanations. I wouldn't imagine using any other mortgage company in the future. I can't thank Smart Home Mortgage enough! read more

Larry with Smart Home Mortgage was recommended to us by our realtor and we had the best experience. Larry had great communication throughout the process. He and his team were able to help us close the loan in less than 10 days and make our dreams come true! We highly recommend to use Smart Home Mortgage and would recommend them to our friends. We are so happy we worked with Larry and his team! read more

We have used Larry and his team several times now and they have always provided excellent customer service. From start to finish they make the process extremely easy and provide transparent communication. We would highly recommend their services. read more

Larry Reyes was awesome! He made sure everything was in on time and even helped close earlier than expected! He was on top of everything! So great to have a great experience since it was my first time buying a home. Thanks again guys!! read more

We couldn't be happier with the Smart Home Mortgage team. We were told by two other lenders that there wasn't time to get a loan approved. We had a very short escrow and the Smart Home Mortgage team was totally focused on making sure that our loan was approved in the limited time that we had to work with. The team used an easy-to-understand checklist that helped us stay on track and we knew exactly where we stood throughout the loan process. The team's communications were FANTASTIC - we received super fast responses to our emails and our calls. Everyone was very professional, efficient and friendly. We highly recommend Smart Home Mortgage! read more

Had a bad experience trying to refinance my home loan. It seemed like everything was good to go, I submitted every document they asked for but then there was no communication. I contacted them and they asked me to give them a few more days after not hearing back I contacted them again and they told me they could not find a bank to do the refinance. It was just a waste of time. I found another lender and everything went so smooth with good communication. read more

I cannot recommend Larry enough! My husband and I were buying our first house in 2011 and the lender we were working with was taking so long and after several extensions she said she couldn't make it work. Luckily we got a recommendation to talk to Larry and he made it work, no problem! We've since worked with him on a refinance and the purchase of a second home, an investment property. My mom and sister have both used Larry for the purchase of several homes as well! Larry's team is always quick, accessible and happy to answer questions. read more

I have never, ever, ever worked with such an incompetent company. I started a refinance in March 2020. I've submitted everything that was required. Each month since they've requested more information. If they had been actually looking at the paperwork, they could have answered their own questions. Unfortunately, my husband just passed away two weeks ago. They then wanted more paperwork, which I provided. Now, since my husband passed away, they say everything needs to be resubmitted. Do not do business with this company. I guess they don't know how to work with people who have "Trusts" read more

Great company. Super friendly, thorough and responsive. Walked us through the entire process.

I called on Mike and his team to assist with our recent home purchase and so glad we did. From start to close in less that 30 days. We locked in a great rate and his team made sure all docs and info were in fast and correctly. I would highly recommend to Smart and Mike to anyone needing a home loan. read more

What can I say? Larry and his team are wonderful at making dreams come true. 12 years ago he helped us finance our first home, then refinance when interest rates dropped a few years later. Fast forward to last month... he and his team worked very hard to finance our second home. His level of expertise, professionalism and care for the client exceeds anyone's expectations! Larry is always available and is great at communicating with the client. He definitely goes above and beyond to meet his clients' needs. read more

Good customer service and closed my home loan very quickly. They answered all my questions in a timely matter and made it easy to get paperwork needed in time. Need a quick close on a home with great service, this is the place. read more

Buying a home can be very nerve racking and is a emotional roller coaster for first time buyers like my wife and I. Larry helped us out and answered all the questions to ease the transaction even with some curveballs thrown at us. Larry and his team made it all happen so my wife and I can have a house called our own. Thank You All read more

Smart Mortgage was great! Larry and Derek were very helpful and kept me informed every step of the way, loan closed and funded in a timely manner, I would definitely use Larry and his team again. Thanks Smart Mortgage! read more

We started the loan process with a different lender, who was dragging his feet. After months of getting dangled the lady selling us the house asked if we would mind if Larry took a look at our file. Larry had us in his office later that day and we were signing papers and he got us the loan we wanted and the other loan agent said we would not qualify for. Larry was GREAT, he was knowledgeable and never gave us a line of BS. He had us in our home in about two weeks time after we first talked to him. I would recommend Larry to any one who is looking for someone to help in the loan process. read more

This is the 2nd time I have refinanced with Larry and both times have been exceptional. I never have to wait very long for a response to my questions and the team he works with help the process go quickly and efficiently. I highly recommend Larry Reyes and Smart Mortgage! read more

Larry is awesome. I've worked with him twice already and both times have been excellent experiences. He really looked out for us and got us the best rates possible. He is dependable and gets the job done on time. Another plus is that his wife Valerie Reyes is a realtor and together they make an amazing team. I will definitely continue going to Larry in the future. read more

Larry is AWESOME, he gets things done fast. I have referred all my clients to him.

I was in the process of buying my first home which is a HUD home with a 203k on top and had 90 days to close from the day they accepted the offer. I was originally using a different lender and they fell through half way through the time line saying that I worked too far from the house I was trying to buy and that it was impossible for it to work. I then found Larry Reyes through a friend of my wife. Larry went above and beyond and even though we exceeded the original time line, Larry helped me close on the house. Without Larry, I would not have gotten the house of my dreams that I now own and live in. read more

First off, I want to thank you Larry for doing such a wonderful job! Larry was absolutely great to work with. He was always available to answer any and all questions we had in the process of buying our home. He was a pleasure to work with and we have referred Larry to many of our friends and family. Keep up the good work! You are the BEST!! Sincerely, Yvette Lopez read more

Their professionalism and work ethic is second to non!! They often had paperwork ready for me in hours, not days. changes to my paperwork were processed within 24hrs and they maintained constant communication with me and my realtor. ALWAYS available regardless the time of day. Truly an incredible experience with Larry and his team. Thank you! read more

Larry and his team are the best at what they do. You are in good hands for new and/or refinance of your home. Thanks for taking care of our family. You guys are awesome!!!! read more

Easily one of the finest loan officers I've ever met. Could not possibly give a higher recommendation as a person and professional, you won't find a one better!!! read more

Larry is your go to guy if you have any questions about mortgages. Very respectful and relaxed and extremely thorough. For a first time home buyer and hearing the horror stories of how difficult it can be this was not the case. It was the easiest experience my husband and I have ever went through not once but twice with Larry. He is very knowledgeable with VA loans. Will highly recommend him to all my friends. Thanks Larry for making our home buying dreams a reality and not a nightmare read more

I've been working with Larry since 2009. My friend's loan officer couldn't get me a loan for a non HOA approved condo. Larry was able to salvage the deal and got me approved. I've been working with Larry ever since, purchasing real estate and refinancing loans. Larry and his team will hold your hand throughout the real estate rollercoaster, answering emails and phone calls at 10pm on a Sunday if needed. I have referred several friends to Larry, all of whom have been 100% satisfied. read more

We have been working with Larry for the past five years. He has helped us finance two houses and two refinances. He has always responded to are questions quickly. And his responses have always come with explanations. Larry has always found us the best rates. Larry and his team have made the finance part of buying and owning a home less stressful. We highly recommend Larry and his team. We will not use anybody else. read more