I just got my late filing of previous LLC penalty removed of $5040 via the negotiations with IRS…read moreby Kyle Cao, CPA manager. He is a true professional and I appreciate this alot.

A insurance company that is unable to provide paper copies and keeps telling me it is electronic…read morefiled after over 3K payment cleared . Asking for so many time and ended up sending me a blank one...!? How incrediable this company trained and educated their staff!?

This is our 2nd time working with Tracy. She was our buying agent years ago when we purchased our…read morefirst home back in 2013. She was very knowledgeable, professional and patient through out our year long home buying process. so when we knew that she's a loan officer now, we didn't hesitate to contact her to help us with our loan for our new home. With her background and experience in the real estate and home loan industry, the whole process was just smooth and effortless. We didn't even need to meet with her in person. everything was through minimum email/text and phone calls. She is very responsive and patient with all the questions we have(whether it's loan related or home-purchasing related. yes, she will answer them all because she pretty much knows them all, and she will explain to you very well), she understood exactly where we are at and guided us step by step throughout the process. one thing i like the most is that she's always on top of the communication and prepares us for the next step. she would email and text/call us just to make sure that we are updated through the process. she let you know what she needs ahead of time so you can have plenty of time to prepare the documents. and most importantly, the rate we got is awesomely low! beats all the major banks or credit unions out there. she first let us know the recent market rate and gave us idea about where and when is the best to lock the rate. and They are DIRECT LENDER. loan app was approved very fast. We really want to thank Tracy for saving us a lot of money and time. We highly recommend her.

Tracy is an excellent lender. I highly recommend her if you're looking for a mortgage. She was very…read moreresponsive to all questions and concerns. Tracy listened to my client and came up with solutions that fit their needs. I am very appreciative for Tracy and her team! We enjoyed working with her because of her kindness, professionalism, knowledgeable advice, personable demeanor and availability throughout the entire process.

ZERO STARS!!! THEY GIVE MORTGAGE BROKERS A BAD NAME!…read more The other Yelpers validate my review. TJ Financial is INCOMPETENT! Yelper "M R." is probably directly associated with TJ financial, so I wouldn't trust his/her review. I recently refinanced my loan with Victoria Financial, in San Gabriel. The experience was much better. The best part about it was the experience. Serena's staff was much more attentive. Unlike the security guard clerk, a.k.a. the receptionist, at TJ who makes sure no client comes in direct contact with TJ's staff. Victoria Financial truly gave NO POINTS and NO FEES!

My fiancée and I recently bought our first house in the city of Arcadia, and we are EXTREMELY happy…read morewith the service that T&J Financial provided. We were able to obtain our loan within 2 weeks! T&J Financial approved, removed our loan contingencies, and issued the loan docs within Week 1 after we sent in our applications, and we were able to close escrow in Week 2. Initially when we applied for our loan, our loan processor picked a lender that she has been working with for the last 10 years. Unbeknownst to my fiancée and I, this lender was in the process of being taken over by a well-known Wall Street investment bank, and no loan was being processed until the take-over deal is finalized, which takes about 3-4 weeks. We had 17 days to remove our loan contingencies, and I called our loan processor on a daily basis to get an update on the status of our loan without getting any news/update. When we had only 6 days to remove our loan contingencies, our loan processor called us and asked us if we wanted to apply with a 2nd lender because she got the official confirmation from our 1st lender that they were not able to process any loan until the take-over deal is completed. Our loan processor suggested that we went with T&J Financial for our 2nd lender because she had just submitted a loan application with them for another customer of hers on a Friday, 8/7/15, at around 9pm PST, and T&J Financial approved of the loan on the following Tuesday, 8/11/15. (And from what I have heard, that customer's loan was funded 2 days prior to ours.) As this point in time, we were desperate so we went ahead and submitted our loan application at around 8pm PST on Tuesday, 8/11/15. On Wednesday, 8/12/15 at around 5pm, our loan processor called to let us know that our loan has been approved. After our loan was approved, we worked with our loan processor to provide T&J Financial with the paperwork that they asked for so our loan contingencies could be removed. After we have satisfied all the conditions that T&J Financial asked for, our loan docs. were issued on Friday, 8/21/15. The seller's agent was very surprised when we informed him on Monday, 8/24/15, that escrow was going to be closed around the end of this week. Needless to say, he was caught in a bind because he thought he had more time to order a termite fumigation. LOL... We have just been informed today, 8/26/15, that our loan has been funded, and escrow will be closed tomorrow, 8/27/15. Honestly, when I read the negative reviews that T&J Financial has gotten from their past customers, I was really apprehensive because we had been burned previously by our 1st lender, who just let us hang. I was stressing out about the delays that we would run into with T&J Financial based on the previous customers' reviews. However, upon reflections when I heard that T&J Financial has funded our loan today, I realized that as long as your credit history is good, you provide T&J Financial with valid proofs of income/tax refunds, and you have honest cash to cover the 20% down payment and fees in your bank account, the whole process of obtaining a loan with T&J is very simple and straight forward. The staff at T&J Financial works very fast to make sure that you can secure your homes, and I truly want to thank our underwriter, Sue, for processing our paperwork with lightning speed so that we can obtain our loan within 2 weeks after submitting in our loan application. All lenders want to lend you their money because they make a good amount of profit from the loan's interest, but in order for them to lend you the money, you have to provide them with bullet proof evidence of your financial standing so they can fund you your loan. Nobody wants the housing bubble crash to happen again. Hence, you need to do your part to secure your loan. You cannot just blame the lender if you have unknown/shady incomes and dirty money in your bank accounts that cannot be explained. Also if the lender wants you to buy a certain insurance for your home, it is due to the findings within the hazardous report. If you think about it, the lender owns 80% of your home. Hence, they need to cover their asset in case of any disaster that arises. You cannot blame them for making you to buy flood insurance if your house is located within the flood zone. Read through your house's hazardous report if you want to get an idea of what type of insurance your lender will ask you to get so that you will not be caught by surprised when they ask you to buy the insurance as a condition prior to funding. AND NO, I DO NOT WORK FOR T&J FINANCIAL if any of the negative reviewers want to raise the validity of my review. I do not write review unless I feel a very strong need to, and in this case, I wanted to write the review for T&J Financial because I do not want other customers to be scared and worried like I was when I read the previous negative reviews that T&J Financial has received.

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

Mr Chau (Donavan)is extremely professional and responsible…read more Donavan helped me with one home purchase loan and 2 refinances, he was able to finalize and close all loans fast and smooth. also extremely polite, professional and persistent with a difficult loan and many showings in different cities Trust me when I say I highly recommend him for all of financial service need and loans He responded immediately to all of my questions. Over all, fantastic loan officer and made the experience stress free Nd worry free.

My wife and I are first time buyers and we both work full time so time and energy were not…read moreresources we had in abundance. Looking back, Donavan's biggest gift was being the catalyst we badly needed to taking initiative in buying a home. If my wife and I hadn't met Donavan, we would still be going nowhere, still looking on Redfin and sending each other listings as we had been for months and months. His knowledge of the Los Angeles market gave us confidence in him. Donavan held our hands through the purchasing and loan process and made it super easy for us by maintaining daily communication and staying on top of our loan process while we were both at work. I come from a commercial financing background and he knows his stuff so I was super comfortable working with him through this process... He was in our corner the whole way and even had some veteran tricks up his sleeve as our RE agent and loan officer that gave us negotiating leverage (read til the end) and favorable loan terms and pricing. I shopped around for loans and still went with him in the end. THIS GUY REALLY CARES. He even read our HOA Docs and gave us cliff notes, gave us ideas for aesthetic, impactful, and value-add renovations. WHO DOES THAT?? I'll wait.... Anyone who has an opportunity to be represented by Donavan as an agent or loan officer will be extremely happy. I will be recommending him to my family or friends going through selling, buying, or financing. For those who are curious... we viewed the home on a Saturday, submitted a competitive offer and after some negotiating our offer was accepted by Wednesday. Then we opened escrow and closed in 3 weeks. From viewing the home to closing escrow took only 4 weeks. He even had seller cover closing costs and some repairs. I know this is a glowing review and he deserves it.

I was referred to Michael from a work friend at city of hope . A previous lender kept in contact…read morewith me past three years with no commitments on my part and full transparency I'm looking for the best fit for me and how I go about decisions . From initial introduction it was a pleasant professional educational experience with great communication, support and unbeatable value for the quality ! His rates with service plus unbeatable fee I was impressed and that is not often . I had a third and fourth lender all interested in doing business . I'm so thankful for my work friend for her referral . Michael also connected me with home insurance that I compared with wawanesa, AAA, State Farm , as advised and I saved over 1k with some agencies quotes . From finding my home to getting my home it was all within one month and I'm a first time home buyer . Cardinal escrow I do not recommend if you have a choice ...honest review . I highly recommend Michael's services , he can communicate effectively, gives you support on decisions you make , accessible, email savvy , and can answer or assist you with any inquiries. Him and his team are worth writing a review .

Best agent in services that I have work with. Michael is absolutely amazing. Michael is detail…read moreoriented and always make the best recommendations.

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.

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.

Stop calling me from all different numbers!!!!!! Remove me from your list!!!!!…read more This Manny Salinas kept calling me and leaving me a message. I kept blocking its number and it still manages to contact me from a different phone number. I didn't inquire about refinancing with you. I'd appreciate it if these calls would stop!

Cannot stop the calls from coming in on a weekly basis. Never pick up but flood my inbox with same…read morerecorded voicemail. This is Manny Salinas with....yada yada yada. Once I block one number, it just comes through on another number. STOP CALLING ME!! TIME TO SERVE YOU THE SAME MEDICINE, GOING TO SPAM YOU WITH REVIEWS SO EVERYONE SEES this is a SPAM CALL

Diane helped us with our first home loan. As first time home buyers she was extremely helpful in…read moreensuring that we were educated about the process. She was always willing to pick up the phone to answer our questions, no matter how silly they seemed. Plus, she made herself available at all hours in order to accommodate our busy work schedules. It's been a year since we bought our home and Diane is still a resource for us whenever we have questions. I highly recommend this team and will definitely go back with any future purchase needs.

From the owner: Specialties PrimeLending is a national mortgage lender that…read moreprovides a wide array of loan products, including fixed- and adjustable-rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. We offer a variety of home loan programs for a range of credit scores and with various down payment options. Since 1986, we've helped over 500,000 homeowners buy a new home, fix up a current home or refinance. If you are in the market for a home loan, we can help you make the right decisions and have a rewarding experience along the way. For us, it really is Home Loans Made Simple®. Equal Housing Lender. History PrimeLending is a national residential mortgage lender with nearly 300 locations across the U.S. and the ability to originate loans in 50 states. Offering hundreds of home loan programs to cater to a variety of needs, PrimeLending is dedicated to making the home loan process simple, clear and timely.

There is nothing more reassuring than to know that your financial house is in order. After 20 years…read moreof working with our former CPA, it was time to make a change and we could not be happier. Manny Sacdalan and RMD have provided us with the attention to detail and outstanding service that we have always needed. With two businesses and our personal accounting, RMD have organized our books, provided us with clean and complete financial reports, and helped us provide our mortgage broker with the necessary documents for our refinance very promptly. We could not be happier Rudy and Susanne Hayek

Manny is awesome. Listens to my question carefully, very responsive, clearly cares about the work…read morehe does, really helped me out in a big way. I'm sending a couple of my colleagues your way. Thanks again