As a first time home buyer I knew nothing about who to go to and what to do so I rely on the realtor for recommendations. The first realtor I used before I let him go referred me to Jon Dobbel and I stuck with him for the second house after the first house didn't go through due to a pest report. I stuck with him because... why?.... I don't know, because I didn't know who else to go to. When I went into contract on a Thursday I received a call from his colleague to congratulate me because he was gone on vacation and didn't go back to work until the following Monday and didn't get to my file until Tuesday. During this time I was shopping around and found a better deal with a lower APR, lower interest rate and a credit of $1500 towards closing costs. Jon didnt offer me a credit of any kind, but assumed that I wanted to pay points for a lower interest rate without asking which choice I would like. I asked if he could give me a credit for something that I didn't have to pay for- meaning a higher interest rate because I never stated I wanted to pay points for a lower interest rate. And the Bank was offering me something way better. He tried to make it sound better by saying that they are paying for more than half the points to get me that interest rate. That I never asked to pay for! He is saying it like he is doing so much for me. He didn't budge until I seriously was going to just stress and go with the better deal even though I was already 6 days wasted getting closer to closing due date. He then said he could give me a credit if 858. And my written estimate stated 858 clearly. But when I signed my closing disclosures I noticed that the numbers changed to 658. Thinking I didn't notice. Oh I did. But it's like pulling teeth with him. I didn't want to bother arguing more. So instead I do a review. Lesson learned!!! Shop around even if you don't know what you are doing!! Because you will figure it out. Go with your gut feelings. I should have gone with mine. It's worth the stress to go with people who actually care. read more

It would be a hard no. I would never recommend Summit Funding to any of my friends and family. Also, if you are your family is of color, run for the hills. I personally did not receive the care that my family and I deserved. During the process we were strung a long. Therefore I wasted a lot of time. I had to go to another lender just to be treated fairly. read more

I have had over 10 loans on investment properties and my personal residence from Summit Funding Elk Grove, CA. Summit Funding has always been excellent. They are professional and they always explain things so I can understand all the issues. I have always dealt with Jon Dobbel and he has been great 100% of the time. He is a person that I trust and I will not go anywhere else when I need a loan. read more

I have used this company many times in the past. Recently I noticed a choice of words in an email that I was not happy with. "Ladies...he was going to CANCEL...I spent all morning getting him to see the reasons to complete the refi. So now he is coming in at 3 pm to sign. SORRY. He is SUPER ANAL so I really want to get a matching CD balanced for this signing. PRETTY PLEASE?" Jon For this reason, I will not use this company in the future or refer to my friends. read more

My husband and I are so grateful our real estate agent referred us to Blair Chapman and his team. From the first phone call to the closing Blair and his team made the whole process smooth and easy. Everyone worked fast and because of Blair and his efforts our offer was accepted. This was our first purchase and the thought of everything at first was nerve wrecking and scary however after meeting with Blair we felt like we were in good hands. I would definitely go through Blair and his team again for our next home loan needs! read more

Summit Funding were great to work with. Jon and Denise were always available and got the job done for us. It was easy to work with them and I definitely would recommend them. read more

My husband and I cannot thank Jon, Michelle, Rhianna and all of Summit Funding in Elk Grove enough for all their dedication and hard work on our loan process and getting it funded and escrow closed so quickly. This is the fastest and smoothest escrow we've had with a home/condo purchase. We closed escrow 8 days ahead of schedule. We are so happy to be back with Summit Funding in Elk Grove and we truly appreciate everything Summit Funding has done for us with our previous home purchase loan process, then the sale of our home and now our most recent condo purchase and loan process. We've never experienced such excellent and reliable customer service with any other lender. We truly believe Summit Funding is #1 in the mortgage industry. read more

I had the unfortunate experience of meeting Jon Dobbel of Summit funding when the agent who listed the house I bought recommended him to me. Jon was very pleasant and professional when we talked and we reviewed the loan I wanted to use to purchase the home we had decided on. Jon then quoted me a rate for the loan along with the points on the loan and the rebate from the lender as it was a FHA loan. I got off the phone with him and thought it seemed a bit higher than I was seeing on other websites but he had said it was the best rate possible I could find anywhere. The next morning I decided to try one other lender before moving forward with Jon...I choose Quicken Loans and their offer was way way lower than the rate quoted by JON...the Points I had to pay were way less and the rebate I would get back from them was almost 4 times more cash in my pocket!! I called Jon back and said I had found a much better rate and could he come close to matching it so we could do business...his reply was he was offended and he didn't know I was going to go shopping for other rates and sounded very unhappy with me....he said he would get back to me with his better rates and hung up...the next day I got a message on my voice mail from him saying he said he does not to do business with people like me that shop around for a better rate!!! The deal I got from Quicken Loans saved me almost $10,000 in additional rebates and points over Summits offer and another $10,000 savings on the interest rate differences over the course of the loan. So on a simple $387,000 loan I saved almost $20.000 over the rate and fee's Jon Dobbel quoted me and said that was his best deal and a great rate!!! I found Jon to be dishonest and rude and quite unprofessional once I questioned his rates and fee's. WARNING SHOP THIS COMPANY'S RATES AND FEE'S BEFORE YOU DO BUSINESS WITH THEM AND ESPECIALLY JON!! read more

Beware. Don't be fooled by the marketing and feel good tactics. A loan is about one thing, getting the lowest rate possible with the least amount of fees possible. Use summit and that will not happen. You will pay excessive fees. They are nice at first but after they hook you in service drops dramatically. There are a lot of complexities and traps in this industry and summit (as well as a lot of other brokers) take advantage of this. Your probably better of going to a traditional bank or mortgage banker. Learn from my mistake and stay away. read more

My experience with Greg Stillwell has been superb. We have been taking our time with him and he has been 100% upfront and clearl in explaining the process every step of the way. We see where every penny goes and where the money is made. This is serious part of people's lives when looking at getting a new loan. Greg has made me feel at ease and informed. I would recommend him always. read more

Our experience with Summit Funding was absolutely fabulous! Our lender Eddie Fairchild is the BEST. He prepared us before purchase and during the whole process, going above & beyond all expectations! We couldn't have had better team. Thank you Eddie & Summit Funding! read more

Jon Dobbel is a great Loan Consultant/ Branch Manager for Summit Funding. He is very professional, organized and efficient. Jon has always handled tough situations with ease. He always comes through and does everything he can to help and satisfy our clients. read more

Hands down Greg Stillwell is the best you can get, he even came to my signing and I am all the way in Vacaville. The title company said in all her 23 years only one time did she see the Lender show up. My closing fees were next to nothing, my realtor was shocked and thought he was kidding! He took all my calls, even on the weekends and helped me understand my debt ratio, ways to save on the lifetime of my loan, how to repair my credit and so on. I would advertise for this man for free whatever company he is with. I am not crediting Summit although I hear they are great, I am crediting Greg. He will go above and beyond for you, my experience was amazing because of him. read more

I just successfully closed my first loan with Summit and could not be more impressed. Right from the outset Greg Stillwell was highly professional, knowledgeable, transparent and extremely responsive which I appreciated as that's not always the case these days where everyone are so busy. Greg not only responded in a very timely manner but kept me updated on the process and offered his expert guidance where needed in a supportive and helpful way to get to contract close. Their rates are very competitive and backed up by their high level of service as the process worked seamlessly, they almost made it enjoyable and as someone who has been through the process many times that's a big achievement! Summit have gone the extra mile in not only hiring extremely top talent like Greg but invested in the overall customer experience with slick portals and the small things. For example when I visited the office I was welcomed by a warm and friendly assistant who made sure I was comfortable and did not have to wait long. They even were thoughtful enough to send my family a box of handmade cookies on loan closure which is a nice touch and again demonstrates their commitment and focus on their customers. For all these reasons I would have no hesitation in using Summit and Greg Stillwell for my next loan or recommending them to others. Excellent job Greg and team and I look forward to working with you again soon. read more

We LOVED our experience with Karen Dunn at Summit Funding! Karen, was very professional, easy to work with and made our home buying process painless. Her communication throughout the process was always timely (as in minutes), and informative. She not only executed her job well, but she also cleaned up several jobs from our real estate agent (who made various mistakes). We recommend her services to anyone in the home buying process. read more

Chad and his assistant Christina were very clear about what they needed from me and wouldn't deviate from it. Now I see why. It made the process very smooth. Although I was excited that I qualified for a higher loan amount I asked to lower my loan amount to make my monthly house payment affordable. Chad really understood my needs and was more than willing to accommodate me. By the time my package went to the title company, nothing else was requested from me. Everyone has told me that they were surprised how quickly the purchase process went for me. I can appreciate that! Thank you Chad and Christina! read more

My experience with Summit Funding was amazing, I had Belinda Cadena and she was very helpful and good at explaining everything. I am glad I was referred to Summit Funding because without them I wouldn't have made such a great buy! They approved me for a good amount, unlike Wells Fargo. I recommend everyone to come to Summit Funding if they're being rejected elsewhere because Summit is much more flexible. read more

Do not go to this place. Especially Blair. First time home buyer and he screwed us over. TWICE. HE TELLS YOU ONE THING AND THEN WHEN ITS TIME TO SIGN ITS ANOTHER THING HE ACTS LIKE HE NEVER SAID WHAT HE SAID. MADE ME FEEL LIKE I WAS CRAzy!! Claims he disnt know what we were really asking. It's his job to know. Found out he did the same thing to my two other friends. One was smart enough to cancel the whole loan with him. Do not. You will regret. I filed a complaint and I'm heading to my CPA AND MY ATTORNEY. ITS THAT BAD!!! read more

If I could give zero stars I would. Fayyee worst loan officer ever. Will lie to you to get your money and then won't answer you back.

I had a very terrible experience working with Belinda Cadena and Michelle Reed on securing a loan on a home purchase. They made the entire escrow process drag on longer than it should have. They are very disorganized and dishoveled and do not have their act together. I am very disappointed. I do not recommend them to anyone. WORST EXPERIENCE EVER! read more

I had the recent pleasure of working with Chad Focht and his team from Summit Funding. Chad did an excellent job from the beginning of the loan application to the funding of the loan. My family and I could not be happier. We received a great rate with no hidden charges or dubious fees. Chad was available to answer each and ever question, and was clear in his communication. I would highly recommend Chad and his team to anyone interested in obtaining a mortgage loan or refinancing. read more