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.

It feels so good to have timed the interest rate market right! It is so difficult to do that and I…read morecan honestly say that we did it thanks to Chris Matsuoka from Catalyst Mortgage. We brought our dream home in December 2023 at a great price but not so great rate. In September 2024 our mortgage company offered us to refinance with zero lender fees so we felt it was a great deal to go from 7.375% to 6.5%. We were pretty far into the process when my husband received a text from Catalyst Mortgage offering us a rate in the high 4% which we knew was too good to be true but decided to call. After having a quick conversation with Chris, he offered us a more realistic offer which was 5.875% with zero points, some reasonable lender fees. We decided it was still worth it to save more money on our monthly payment. Chris was very responsive and made the whole experience seamless. He locked our rate one day after the fed rate cut. Mortgage rates actually went up instead of down and he honored his initial offer of 5.875%. He took care of us even during some hiccups with closing and tax bills from the previous owner that increased our closing costs. Chris talked to the right people at the title company and in the end, we didn't have to pay the previous owners bills and also gave me guidance on how to go about getting that issue resolved. We closed in record time. 7 business days after our application was submitted and we just made our first payment. It feels great to see that we made the right choice in switching lenders as the rates have continued to increase and we are so happy we got to save $360 on our mortgage payment. That is such a blessing now days!! I will definitely work with Chris and Catalyst Mortgage in the future!

Catalyst Mortgage operates several scammy operations including MyLocalRate.com. They will spam call…read moreyour phone number 3-4 times a day. They even said text messages like this: "Hey [Your Name], this is Sommer with MyLocalRate.com (real person). We partner with TransUnion, Equifax & Experian Preferred Lending. Based on your profile, you qualify to refi & pull CASH OUT-lower your rate, save thousands yearly! Rates as low as 5.477% APR 30 TERM, skip 2 payments, up to 100% CLTV. Get your quote now in minutes-no credit check. Call or text me at 916-606-0219, I hope to hear from you soon!" They rotate their phone numbers every few days and there is no way to opt-out. I've filed a complaint with the both the FTC and the CA State Attorney's office.

TERRIBLE!!!! MY RECOMMENDATION on this company is to RUN THE OTHER DIRECTION!!! Submitted my…read moreinformation for a refy and was treated like I was not worth their time.

Not all lenders are built the same--Manuel Tobias stands out…read more As a Realtor, securing a popular floor plan took a strong effort, and he delivered. He helped close my client's deal and stayed ahead of every deadline--I never had to chase updates. I trust him enough that I used him for my own home purchase too. Definitely worth a call.

I continue to feel the same as I did when I first wrote this review. Even years later, my husband…read moreand I reach out to Greg S. for guidance when it has anything to do with our mortgage loan or new home related interests. Greg is always kind, caring, and available to answer our many questions. He has helped us explore various avenues and again we appreciate the educational component he generously offers.

As first time home buyers, we were generally intimidated by the process. Chris took the time to…read morebreak down home buying costs line-by-line to help us understand what could afford and provided useful tools. We didn't get the opportunity to work with him through closing but can definitely recommend the Xpert team based on the interactions we had.

This company is a scam, especiallly if you are miitary family. After 3 different calls with a…read morelender, and then filling out the application, we were asked for our credit card information to pay for our credit report. I was told we were going to get charge $100 per person on our home loan pre-approval application to run our credit. FOR A PRE-APPROVAL. Insane. Scammy vibes and the lender talked to us like we were stupid and didn't know what we were talking about.

My wife and I worked with Katie last year to refinance our house. We were very impressed with…read moreKatie's knowledge of all the different types loan programs, and her ability to explain which loan would work best for us. I really felt like she was looking out for our best interest when it came to her advice and I really appreciate that. I have also refereed many of my friends to Katie and they have all had experiences similar to ours.

From the owner: I feel that I can make a crazy real estate market into a smooth transaction. I adore working with…read morebuyers and homeowners to strategically place them in the loan that fits their situation.