JJ, Lindsay and everyone at American Pacific Mortgage have been absolutely amazing to work with!…read moreThey are incredibly friendly, knowledgeable and willing to help by any means necessary. They took the time to answer all our questions and concerns. This is our first home buying experience and APM made sure we were comfortable every step of the way. Thank you all for your professionalism and willingness to help us!

The JJ Mack Team made the home buying process surprisingly easy. The whole process took about a…read moremonth or maybe a bit more from the time I initially applied to closing (not including the leisurely time taken to browse homes). The team was adaptable and added a coborrower mid process. Shout out to Lindsay who was great in the process! They were very clear about next steps each time.

This is the second time in approximately 5 years that I used Cary Brooks of Mortgage Express to…read morehandle my mortgage needs. He and his assistant, Tracy Hunsicker, are a marvelous duo and made this refinance experience a delightfully easy one. I thank Mortgage Express for securing a low 15 year mortgage rate and for answering all my questions along the way. In addition, the First American Title Company and the Notary were professional and personable. Since it was SIP due to Covid-19, the Notary, Amber, came to my house in full protective gear to ensure we were both safe. All in all, this refinance process was smooth and carefree thanks to Cary Brooks and his Team! I recommend Mortgage Express without reservation~

From the owner: Will beat all local lender rates and fees or pay you $250. read more

We had a friend recommend Sheldon when we were considering buying our first home. We know nothing…read moreabout the home buying process other than being told how stressful the entire process can be by friends and family. Sheldon explained everything in detail and went over numbers with me so we could understand what we were looking at. When the interest rates changed, he again reached out to go over how it would affect our payments and what our options are. We found a home not long after beginning the process with Sheldon and had our offer accepted 10 days ago. We will be signing at the title company tomorrow; I cannot believe this has happened so fast! The entire process has been incredibly easy, it has surprised my friends and family as this was not their own experience buying a home. Lisa, the loan processor has communicated everything along the way, keeping us updated as things progressed. I really did not think the home buying process would go this smoothly or stress free for us. We will be recommending Sheldon & Lisa to our family and friends and wouldn't go to anyone else in the future.

El Sheldon helped me get a great interest rate with this silly market. I got %4.5 VA on my wife and…read moremy dream house. He is always there to answer questions (no matter how trivial) and really breaks down each cost analysis, easy for soccer moms and dads to understand! Everyone situation is different for reasons to buy a house, in our case, we sold the old one and upgraded to a much nicer one. We doubled our mortgage, but doubled our house.

Ryan was amazing. Very responsive to questions and requests for clarification. Whole process was…read morevery smooth. Would recommend him to anyone considering a loan.

Ryan Wagner was fantastic to work with for both our original mortgage and later refinance. He made…read morethe entire home buying process smooth, fast, and easy. Ryan has a deep understanding of the interest rate market and took the time to clearly explain the numbers and options so my wife and I could easily understand everything. One thing that really stood out was how well he worked with our real estate agent. Ryan helped us structure a strong offer while competing against 16 other buyers, and he was instrumental in helping us close on our first home in just 16 days. The underwriting process was surprisingly simple compared to the horror stories we heard from friends and family working with other lenders. When it came time to refinance, Ryan made that process just as seamless and was able to lower our monthly mortgage payment. He truly makes the lending process straightforward and stress-free. Highly recommend working with him.

I've been a lender for nearly 2 decades and have worked with many realtors in that time. Carla is a…read moregreat combination of pleasant and prompt. She was the listing agent on the deal we recently closed together and she got me all of the required disclosures right off the bat, scheduled the appraisal promptly, and was quite helpful all around.

Review of Carla Ferrante. Realtor Extraordinaire…read more I had been considering selling my country vacation home and vacation rental for several years. It had been my cherished piece of paradise for 25 years; the place I would go and bring family and friends to relax and recharge together. But I knew that if I would ever get to retire, I would need to sell this precious property. When I met with Carla the first time, I let her know that I didn't know that I was ready, but I knew that I needed to sell. Carla was amazing from the beginning. She said if I changed my mind, we'd pause the listing, and we wouldn't sell it until I'm ready. In the meantime, it was time to start giving away and getting rid of lots of stuff that would not be needed in my already furnished city home. I wanted the home furnishings to go to families who had been unhoused but were getting into their own home finally, and needed stuff. Carla found out that there was a local sherif's program that did just that, and she picked up my large loads of stuff and drove away with them, 3-4 times! Poof! problem solved. Carla hired a photographer to show off the house in its best light including drones to capture a video of the bird's eye view of the house on its 11 acres of foothills. She "staged" the house with a professional eye knowing how to help buyers imagine their own stuff in the house, without having me remove all my stuff. Carla put away several things for me when I wasn't there. (I will warn you: if you have a favorite decorative or functional item that you leave out and don't want to lose track of, put it way yourself! I never did find my dog's bowl.) My house was almost a mile down a BUMPY dirt and gravel road. Lots of people came to see it and said, the house is fantastic but the road is awful. Month after month we got our hopes up because people liked it, and then. . . no offer. Carla was steady and over the 8 months it took to sell, she was there for me to talk to and calm my nerves. Meanwhile, in the background Carla arranged for every inspection that would be needed when someone showed real interest. The fire, well, septic system, termite and others I can't remember. Also, she secured a quote for insurance for the potential buyers that was lower than other homes in the area and not on the state sponsored Fair Plan. She worked with me to gather my information about every capital improvement I had done over those 25 years and there were many. Near the point of sale, I freaked out over the disclosures form I needed to fill out online. Carla calmly sat on the phone with me for almost 2 hours to help me get it done. In the end we found the perfect buyer! A family with a dad in the road building business! And they said I could come and visit so I wouldn't have to drive away for the last time knowing I'd never see that place again. I don't know how I would have been able to let go without Carla's help. She was way beyond competent and thorough. She was my real estate whisperer.

Jeanine's service is defined as "excellence as the only standard"! She assisted me on my first…read moremortgage and this time the refi. She is very honest and transparent. Look no further, she is the real deal! I highly recommend her. Thanks Jeanine for all of your help!

If I could give Jeanine more than five stars, I would…read more Buying my first home at 63 years old after a lifetime of renting felt exciting, overwhelming, and at times downright terrifying. From the very beginning, Jeanine was so much more than a mortgage broker, she became a trusted guide through every step of the process. No question was ever too small. She patiently explained things I didn't understand, kept me informed every step of the way, and somehow made a very complex process feel manageable and even possible. Whenever a new document, underwriting request, insurance issue, or unexpected question came up, Jeanine was there with calm reassurance, knowledge, and practical solutions. What impressed me most was how deeply she cared. I never felt like just another client. She worked tirelessly behind the scenes, coordinated with my realtor, escrow, insurance broker, and lender, and always had my best interests at heart. I truly not only felt, but knew she was advocating for me throughout the entire process. Thanks to Jeanine, I am now the proud owner of my very first home. Looking back, I honestly don't know how I could have navigated this journey without her expertise, patience, encouragement, and unwavering support. If you're looking for someone who is knowledgeable, responsive, compassionate, and willing to go far above and beyond, I recommend Jeanine without hesitation. She helped make one of the biggest dreams of my life come true, and I will always be grateful.