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SmartRate Home Loans

5.0 (7 reviews)
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LRG Lending - Placer Herald Best of the Best 2024

LRG Lending

(42 reviews)

From the very start, Carl stood out - not just as an exceptional mortgage broker, but as an honest,…read moretransparent, and refreshingly relatable human being. He didn't win us over with flashy gimmicks; rather, he stood out with his candor, clarity, communication, professionalism, and especially his transparency from the start - which is exactly what you need when making one of the biggest financial decisions of your life. That transparency and integrity is why we chose Carl and LRG Lending over competitors. Working with Carl remotely for our Bay Area home purchase had us initially concerned, but I'm happy to say those fears vanished fast. Despite the distance, he was always available, communicative, and clear at every step. Not only that, but he also has a great ability to make complex topics easy to understand, and above all, he doesn't rush the process - a remarkable way to show us that he values us as a customer. The entire process was as seamless and stress-free as can be, proving that even a first-time homebuyer can feel confident working virtually with LRG Lending. We also want to give a big shout-out to John and the rest of the LRG team. Their support, responsiveness, and coordinated teamwork made all the difference.  Overall, if you're looking for a mortgage partner who genuinely cares and delivers, Carl + LRG Lending is the team to choose.

My experience with the team at lrg lending was exceptional. Carl and Ayalete were so patient and…read morekind. They had their work cut out for them with my loan, however, they went above and beyond for me. I will not go anywhere else for my future loan needs. Thank you for making my dreams come true. Natasha.

The Mortgage Lab

The Mortgage Lab

(3 reviews)

We recently purchased a new home and had the absolute pleasure of working with Conrad as our…read moremortgage broker - a truly five-star experience start-to-finish. From our very first conversation, Conrad impressed us with his professionalism, responsiveness, and knowledge of the process. He communicated clearly and consistently, making every step of the mortgage journey feel smooth and stress-free. He was also always available and returned messages in a very timely fashion. What truly sets the Mortgage Lab apart is Conrad's attention to detail and genuine care for his clients. Even after closing, he went above and beyond by catching an error made by the mortgage company that we would not have caught for months. Thanks to his sharp eye and quick action, it was corrected immediately - saving us time, money, and potential frustration. Conrad is a rare find: reliable, thorough, and truly invested in doing what's best for his clients. We can't recommend him highly enough, but we will absolutely work with him again in the future. If any of the above sounds like the experience you are looking for, there is none better than the Mortgage Lab!!!

I have worked with Conrad Engler four times in the last 10 years. I used him for the first time…read moreback in September of 2011 for the initial purchase of our new home. After being in our new home for a little over a year I received an email from Conrad stating that rates had dropped significantly and he wanted to know if I was interested in refinancing? After running a bunch of calculations and seeing what I was going to save not only monthly but in total interest over the life of the loan I went ahead and refinanced again. Fast forward to March of 2020 I was seeing rates starting to drop again so I reached out to him this time and I told him I wanted to convert from a 30 to a 15 year loan and also consolidate some things and he was able to give me a phenomenal loan with exactly what I wanted. Now here it is in February of 2021 and rates have completely dropped to levels unheard of and I was able to refinance one more time using Conrad to a new 15 year loan that is so low it feels scandalous ;o) Over the last 10 years of working with Conrad I have had nothing but a fully professional experience. If I remember correctly he's been in the business 25 years or so and it shows in how he treats his clients and his knowledge in all portions of the original home loan and refinances. Also over the years I have handed out his name and number to dozens of my friends, family and co-workers and not one person has come back with any type of negative experience from working with him. If you or anyone you know is looking to do any type of home loan or refinance I can say without a single doubt that you will have a great experience working with Conrad. He is very personable and goes out of his way to get you the best rate he can at the best price point that makes sense for each loan. Over the last 10 years of home loans and refinances Conrad has to have saved me hundreds and hundreds of dollars per month off of my monthly payment and probably at least a couple hundred thousand dollars in interest over the life of my loans with all the consolidations I have been able to do. Conrad if you read this I just want to say thank you for always taking care of me, my friends and my family over the last 10 years. You are appreciated ;o) Jason S.

Azure Mortgage Group

Azure Mortgage Group

(39 reviews)

I have done refinance loans over 40 years and Dan Klevenskiy…read more from Azure mtg corp is the best Loan officer I ever work with. He is honest, authentic professional, knowledgeable, and very patient. Dan guided me step-by-step and even gave me computer tutorials how to retrieve require documents. He always respond to my text right away and explain every questions I asked. Therefore the entire refi process went smooth and I was able to secure the great loan with low interest. Because I was so satisfied with the refi results, I chose to do a HELOC with him as well. Once again, he completed everything in less than a month and found the best option for me. I definitely recommend Dan to my family and friends because he made the entire process easy and smooth. Thank you Dan for your excellent service, I Look forward to work with you again.!

As a first-time homebuyer, I was nervous about the process and had so many questions--but Dan made…read moreeverything simple, clear, and stress-free. He always took the time to explain every step in plain English, never made me feel rushed, and made sure I felt confident in all of my decisions. Dan went above and beyond to guide me through the loan process, keeping me updated and on track the entire way. Thanks to him, my loan closed on time and without a single hiccup. If you're a first-time buyer (or even a seasoned one) looking for someone who is patient, knowledgeable, and truly cares about his clients, Dan is absolutely the person you want on your team. Highly recommend.

SmartRate Home Loans - mortgagelenders - Updated May 2026

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