As first time homebuyers, we knew nothing about the loan process. Mina was recommended to us by our…read morereal estate agent and many of our friends used her when purchasing their homes. Working with Mina was a dream! She explained everything simply for us and showed us different options to financing our loan that could help us save money up front. Mina is quick and responsive. She turned around our preapproval within 24 hours! I highly recommend working with Mina and her team fo your mortgage needs! We will be referring her to our friends and family.

Mina was absolutely amazing to work with. We were referred to her by our agent, which turned out to…read morebe one of the best decisions we made. From our very first call, we were extremely impressed with her knowledge and professionalism. She took the time to truly get to know us and understand our homebuying goals. As first-time homebuyers, the process was entirely new and, at times, overwhelming. However, Mina has a calming and reassuring presence that helped alleviate many of our concerns. She was able to help us close on a very tight timeline, which made our offer stand out. She also turned around mortgage scenarios quickly for multiple properties we were interested in, with varying financing options--sometimes even multiple times in a single day. Every time we spoke with her, she was transparent about the process and clearly communicated next steps. Thanks to her diligence, she was able to lock in our rate just before they increased significantly, which we are very grateful for. She was always available when we needed her, and we truly could not have asked for a better lending partner. We look forward to maintaining our relationship in the years ahead as we settle into our new home.

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.

After I contacted them they sent me this email From West…read moreCapital Lending in CA One gets these emails encouraging you that you can get a Heloc/Equity line of Credit when the final decision from the underwriters you can't. Hi Marylou, Killian Kidd at WCL has started a HELOC application on your behalf. WCL helps you access the cash you need by tapping your home equity with a HELOC. Here's what's next: Customize your offer Choose from a variety of rate, term, and payment options. Complete your application Digitally verify your identity, income, and speak with an eNotary*. Voila! Funding in just a few days! The process is fast, easy and only takes a few minutes to complete 100% online. Continue your application The application was continued over the phone explaining all they needed to know to determine a equity/Heloc only to find out this company based out of California and their underwriters did not approve going forward. This company knew where I lived in Florida and denied going further with my applications according to their underwriters. This company refused to take on the difficult circumstances of my son as co-owner and living in NY as I live in the residence in Florida. I would not consider to use this company.

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was…read morewith Tiffany who was incredibly informative, authentic, and responsive. After talking with Seth, there was zero doubt in my mind this is the team I want to be a part of. The group has been outstanding from beginning to end with getting the second home loan. It feels incredibly personal and they are most definitely there to hold your hands and encourage you. I had a bit of a panic attack one day during the process and reached out to both Seth and Tiffany. They were able to bring me back down to Earth, reassure me, and bring me back to feeling excited. This was exactly what I needed. Short term rentals are still very new to me but if you need a team to get you through this, this group is the one. Cannot wait to continue to do work with them.

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.

I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner,…read morePam worked with me and provided amazing service and high quality of work. She was able to answer every question I had and helped make the most of my money. Even a month after closing, she still answered any other questions or concerns I had. 10/10 would recommend

Pam was absolutely wonderful to work with. In my experience, there are only a few people I've…read moreencountered who are truly amazing at their jobs, and she's one of them. Working with her felt personable from start to finish. She made it clear our best interests were her priority the entire way through. She was incredibly helpful, guiding us through every step of the process and making it as simple as possible. She was always readily available to answer questions and lend a hand whenever we needed it. If anything, she works too hard! If I could give her 10 stars, I would. I highly recommend her.

Experiencing foreclosure has been one of the most difficult and overwhelming times in my life, but…read moreworking with Sam Garcia has made the process far less intimidating. From the very beginning, he has treated me with kindness, patience, and genuine compassion. Sam is always courteous, professional, and incredibly helpful. He takes the time to explain what is needed, what each step means, and what to expect throughout the process, making complex information easy to understand. His guidance has given me clarity and confidence during a time filled with uncertainty. Outstanding customer service is hard to find, and Sam consistently goes above and beyond. I am truly grateful for his support, empathy, and dedication. If you're working with NACA, I highly recommend Sam Garcia. He has made a meaningful difference during one of the most challenging experiences of my life.

If I could give Luis six stars, I would. He said he would help and then actually did it, which…read morealready puts him in the top one percent of humanity. Luis didn't just show up. He came through in the nick of time like a nonprofit superhero who doesn't need a cape because he has paperwork skills and compassion. Thanks to him and the Non Profit Alliance, my home stayed out of foreclosure. I learned that human kindness is still alive and well in a world that keeps trying to convince us robots are taking over. Meanwhile Luis is out here proving that real people still show up, still care, and still do exactly what they promised. If you need help, call them. If you need hope, Luis already brings it with him.

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and her team kick a$$! Mike helped us with a HELOC and I'm glad to say from the moment we…read moreconnected it was a wrap. Not only was the process made easy to understand, it was completed from the comfort of our home and our schedule.The team is flexible, quick, knowledgeable and most importantly explained it in a way that made sense to us. Our HELOC closed in a little over a week. Mike was in communication with us which felt like 24/7. If anyone is looking for a reputable lending team look no further.

Erik Board understood from the beginning that we were well-qualified buyers that were going to shop…read morearound for the best rate, as this was not our first home purchase. Erik was willing to compete to provide the best rate, terms, and guaranteed on time closing. He provided a quick pre-approval letter that was needed to make a more competitive offer to the house sellers. He was transparent on budget and the money down that would provide the pricing. Following the home inspection and our intent to proceed with staying under contract, he provided the best loan estimate and fixed rate with no points from a pool of five different lenders that were all in competition for my business. Optimum First won out with a loan estimate that the other lenders couldn't beat. Everyone at Optimum First was very responsive, even at odd hours or weekends. We were moving from Virginia to Texas and with Optimum based out of California, the time zone difference played to our favor since we could email and contact them after work on the East coast and they would respond the same day with the three hour time zone difference. Make sure they lend in the state you are considering on buying. They are CA based and cover a lot of states, but I am not sure if they cover all of them. After we committed to using Optimum First as our lender, we generally had no issues with loan processing and providing necessary documentation or follow-up info for underwriting. However, one word of advice is I would recommend as soon as you know you want to stay under contract (likely after your home inspection) and proceed with the house you want to purchase, obtain your final, bound homeowners insurance policy with your preferred provider (not just a quote, the policy) as soon as possible. This will be needed with Optimum First for your clear to close letter and any buyer financing requirements stated in your contract. It will help make sure you close on time to make sure the policy is in place as soon as you can get when you commit to Optimum and go into underwriting.

The loan officer who assisted me in obtaining my mortgage did an adequate job. Not great, not…read morebad, adequate. I was notified by Optimum several months after the mortgage was written, that they had failed to secure my identity and financial data, putting me at risk for credit fraud. Given the a voluminous amount of financial & identity data which mortgage processors require, its very disconcerting that Optimum did not take adequate precautions to ensure the security of my data.

Bill Zigler of Williams financial helped me do a cash-refinance on a VA loan in April of 2015. The…read moremarket was right and I needed money for a new roof/solar panels/ and ACs. With Bill's excellent customer service I was able to work out a better rate than what I had. In fact I think Bill and I agreed on 3.5 over the phone and he sent me the docs via email, and then he worked hard on getting me even better at 3.25. With his help he beat all the larger banks that I had tried to work with (I think they were quoting 3.75%), with no hidden fees. That said here is the rub, whenever you work with a mortgage broker, they will eventually sell your loan to a bigger financial institution, they sold mine to https://stearns.myloancare.com/ Now if you read the yelp reviews of this company they are anything but good, and I was rather scared, and paranoid that in the end this was gonna hurt me more than help, in fact I didn't leave a yelp review right away because of it. That said, per yelp, most of the problems seem to stem from people making payments with checks and being late on their payments or sending to the wrong address and getting hit with heavy fees, or requesting documents and being charged big fees, I have used auto-e payments since day one and after 8 months, I haven't had any issues. So that said, now that I sort of trust Stearns, I can fully back Williams Financial and specifically Bill Zigler. Thanks Bill for your help, I haven't had an electric bill in 6 months.

William was top notch, he was connected at all times, answered all my questions, process was…read moresmooth, GREAT customer service! He came to my house to deliver some holiday cash as a promo he was running. Fees were very fair for a streamlined VA IRRL. I would highly recommend him to service your financial needs. I know I will be using him in the future. Reach out to me if you have any questions.

first heard about CashCall on my local radio station. I decided to call and get additional…read moreinformation. When Jared answered the phone, he gave me a warm greeting. I told him what I was trying to do and he immediately began taking down my information. I asked about the loan terms and different options available. I also asked about credit scores and closing dates. We had a good, long and detailed conversation. He was very knowledgeable and answered all of my questions. I decided to move forward with the application process and over the next week or two, forwarded my financial information to Ana, their loan processor. Ana is very knowledgeable as well and answered additional questions about the loan and where we were in the process. At a certain point, we were able to lock-in the rate which is a good thing. As we got down to the wire, and through no fault of their own, I had to cancel the loan. However, throughout the process, both Jared and Ana was above board and did everything correctly. In summary, I found that both Jared and Ana are a good team and do an excellent job at taking care of their customers. I highly recommend them to anyone looking for an excellent rate and quick loan process. Give them a call, you will be very satisfied! Lu Jackson III

Working with CashCall Mortgage was an outstanding experience from start to finish. Everyone I spoke…read moreto were very knowledgeable and responsive and it was one of the better mortgage processes I have been through. They always took the time to explain every detail clearly and seemed to tailor the best loan options for what I was looking for. I would recommend CashCall Mortgage to anyone who is looking to get a loan.

They caused me to miss 3 closing dates. I am still trying to buy my house after 3 monthsread more

After 14 days of delays for abnormal requests, I came here to check their reviews, and all of the…read morebad reviews confirm everything that is currently happening to us. This is the 7th mortgage/ refi we have applied for in our real estate history, and I've never had an experience like this. Thankfully they aren't making us homeless since we are buying a rental property (with 780 credit and over 1/2 down). I agree with another reviewer, they probably don't have funds to cover, so they are stalling til then do. I don't think it's personal, but that doesn't make it any less horrible as a potential consumer. Stay away from this lender.