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    Alterra Home Loans - Downey

    4.0 (4 reviews)
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    Dave Soza - Powerhouse Mortgage - Happy Cinco De Mayo!

    Dave Soza - Powerhouse Mortgage

    (83 reviews)

    Dave is the real deal! He got me and my partner pre approved after a good 1-2 hour conversation…read morewhere he never asked for any financials until we were ready! Which is a breath of fresh air considering as soon as you contact any lender, they won't give you the time of day until they see financial docs, which I understand but the way Dave worked. He wanted you to feel comfortable with him prior. The best part was is that everything that he said was exactly the same leading up to when we close our docs, which was our monthly payment plus the down payment, no surprises, and if there was, he worked with our agent to make sure that what we discussed was honored! It is now the new year and we celebrated in our new home. Thanks so much, Dave!

    Dave and his team were awesome. Same day I called we had an in office appt. That was nothing but…read moreeducation which I appreciated so much! On a Saturday morning nonetheless. After we were done going over all our options and all the info we decided Dave was our guy and we got our preapproval done with him on the spot and we were looking for homes the next day. It was seamless. He kept us updated throughout the process which made everything so easy. We never had a minute or stress. We never once signed something without getting a call to make sure we were confident and comfortable. The level of care and support was absolutely incredible. Thanks Dave!! BBQ at the house soon!

    Powerhouse Mortgage - We Don't Just Do Loans, We Create Solutions!

    Powerhouse Mortgage

    (7 reviews)

    To say that Powerhouse is 5 star... Well that rating is too low for them!!! Melinda, Maribel, Lupe…read moreand Rosie and their entire staff is not only professional they are the hardest working mortgage company that I've had the pleasure of dealing with. I cannot recommend them enough!!! They made the purchase of my first home kit only exciting but stress free. They worked their butts off to do my first and second refinance!!! I will go back over and over again. They made the process easy and even when I was having difficulties. They walked me right through it and made it so easy for me. I will scream it from the rooftops. If you need a new home loan or a refinance. Go see my girl Melinda Estrada and she will get you funded!!!

    We did a refinance cash out so we could add our son to the loan. It's just so expensive for young…read morepeople to purchase a home. We wanted to help Our son now instead of waiting until we are gone. David gave us the option of gift in equity or refi. David is so knowledgeable he did our refill to a shorter term a few years ago. I naturally called him about our plans. We want to cash out retire in Hawaii but help sons now give them sons money and use the proceeds to move to Hawaii. Our oldest owns a home but the youngest is still Single and can't afford to buy anything. We did what any loving parent would do looked at all our options from Helping the youngest buy something or gift in equity to buy our home. In the end we decided to refi add our son to The loan cash out rent back from Him for a year and then move to Hawaii. We will give our oldest his fair share to use to remodel his home or rent his home out and buy another house. Our youngest gets a deal on the house with no down we get the left overs. We don't need much we can't take it to our grave everybody is happy. None of this would have been possible without David's expert and honest advice. I totally trust David and will utilize his services next year when we buy our retirement home in Hawaii. My youngest will eventually refi this house in his own name and he already knows he will only use David for the refi. David is like family I can trust his advice he is honest and he won't steer you wrong. I trust David with my life he got us approved in one day and we closed in -6 days that has to be a record. Also his notary Belen is awesome exactly like David can't say enough about David and his team they deserve more than 5 stars they go above and beyond. I will refer them To everyone I know.

    PRMG

    PRMG

    (26 reviews)

    We closed on our first home today! We loved working with Rose & her team over at PRMG. We had…read moreexpedited contingencies so needed everything to be done in a very timely manner. PRMG did not disappoint! Everything was explained quite well before eSigning all the docs, Rose was available for questions and concerns all the time. All around we're happy with the service and the lack of smoke & mirrors! We're now proud owners of our first home!

    TL;DR - 90 days to close refinance for 50% of home value. Poor communication and lack of…read moretransparency from the loan officer, Ben Mireles, led to missed timelines and never ending underwriting requests. Leaving two stars for PRMG so that others take this review seriously and stay away from this company. My spouse and I have refinanced in the past and are familiar with the process. However, we are exceptionally regretful for giving our business to PRMG. This entire refinancing process has been one of the most painful experiences of homeownership. Our loan officer Ben Mireles, never clearly laid out for timelines or underwriting expectations/scrutiny. Ben promised 30, then 45, then 60 day close windows but none were ever met. We are currently at 90 days. We were actually unable to reach Ben for over two weeks. I had to reach out to his regional manager just to get in contact with him. Customer service and communication with Ben could not have been worse. This company appears to be incapable of processing applications in a reasonable timeframe for anything other than bog standard first time home purchases. It truly felt like we were dealing with a JV team throughout the process. Expectations were never established for their strict underwriting thresholds, leading to lots of confusion and consistently delayed closing dates. Further, basic requests for our account statements and employment verification weren't made until the 45 day mark, slowing the process even more. We were constantly promised "this will be the last condition prior to final approval", but then came another handful of requests for statements and documents without any communication other than "underwriting needs these documents". The lack of transparency from all parties at PRMG left us feeling frustrated and in the dark. We wondered if we would ever be given approval or if we were being strung along. While we are on the brink of finally closing, I'm more thankful that this process is almost over. I do not recommend PRMG and will not do business with them in the future.

    Alterra Home Loans - Downey - mortgagebrokers - Updated June 2026

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