Over the past 9 years, we have had 3 CalTap/CalPath loans. All of the loans were done through Joe…read moreMoore and his associates. Our first loan was a new home purchase, we were barely able to make happen! It was our dream home, and barely in our reach, but with the credits from the Calpath program, we were able to make it happen! Next, rates dropped. We were able to refinance that home loan at a rate in the 2's!! Again, seamless process with great credits. This one wrapped up within a couple weeks. As life continued , the house needed improvements. Because our mortgage loan on the house had such great terms (rate and payment) we did not want to refinance our first mortgage. We sought a second mortgage to make the upgrades to our house. We were not aware that Joe Moore (Secure Choice Lending) and his staff did second mortgages. We saw commercials for Rocket Mortgage. A coworker was doing a second through them as well. We contacted Rocket and initiated a second mortgage through them. The loan quoted by Rocket Mortgage had decent terms so we moved forward. As the process went on, the terms repeatedly changed. Unfortunately, every few days, there was a reason that our rate or the fees went up. It was very frustrating. We felt like they were talking in circles. Things like "well, technically the rate shows changed on paper, but actually it's the same rate you were quoted". Having employment of over 25 years with one agency, low debt ratio, and a very high credit score, it didn't make sense. But our credit had already had a hard pull and we had lined up multiple contractors - so we continued with the process. We found out later that our friend had the same thing happened to him (increasing rates and fees that didn't make sense and explanations that felt like people talking in circles). as that loan closed, we found an investment property in a different state. I reached out to Joe Moore to see if we would be able to use a Caltap loan for out of state properties. I also mentioned the fiasco with Rocket Mortgage- At which point, wefound out he DOES do second mortgages! **should have checked!! Anyways, Joe refinanced our Rocket loan-that we had had for a week. Literally, the loan was closed before our first payment was due on it. He got us a lower rate, and an overall cost savings. Not to mention, we prefer working with Joe and his staff, and not giving our money to a company that lies to get you in the door, and continues changing terms throughout the process. Also, if you do a loan with Joe, there is something else that you get in the process -a lady named Kathy. Kathy is smart, articulate, kind, and everything else you could possibly think of that you would need from someone, while going through a stressful situation. Kathy gets every piece of documentation she could need from you right away. She works behind the scenes and truly keeps everything moving smooth. She thinks of hiccups, and gets the documentation from you, before it ever pops up on anyone else's radar. Once you have worked with Joe and Kathy, you won't want to work with anyone else. Your first 10 days or so can be busy with gathering and providing documents, but the rest of the time you sit back and watch everybody else scramble to get their job done so you can close :)

Highly Recommended! Working with Javier Brito has been a great experience and I can't thank him and…read morehis team enough for their support and services. When questions arose, answers were delivered. The team was very attentive and always available to help when needed.

I just want to start off by saying I 10/10 recommend Alex Rojas to everyone! I started my home…read moresearching process in March of 2026 with no idea what I was doing, I just had a dream. We were referred to Alex by our real estate agent, and we sat down and spoke to him. Immediately he answered every single question, made us feel so comfortable and confident we were making the right decision. We left that day with so much knowledge, we started looking for homes immediately! Alex stayed in touch during the home searching process, and checked in constantly! He even reached out to the listing agent when we put the offer in our dream home, and he was on it! We had such a SMOOTH and easy home buying process because of our team. Loan Officers / Mortgage Brokers never get the credit they deserve, and I can just say Alex was wonderful. We will definitely do business with him again and will refer him to everyone! Thanks to his help, we are in our dream home as of May 6th, 2026. Thank you Alex!

As many of us who purchased right after the greatest rates in years, we were stuck with purchasing…read morehigh in the hopes of refinancing later. That later took a while. But throughout that time, Alex continuously kept us informed with the current rates whenever they reached a significant difference for us. He made sure that he had all he needed to make the move for us when the time came especially since rates change so rapidly. We were able to achieve our goal solely through his help and guidance. We will continue to use Alex in the future as not only did he help us save a lot of money, but he was also very friendly, personable, considerate, professional, and all around just wonderful to work with.

I had Movement Mortgage for one year. Here's my experience:…read more The company was quick and helpful when setting up the mortgage. They were communicative, and made things as clear as possible for me. Their web portal is very intuitive and has a lot of tools that are helpful to homeowners, however there is no option to arrange for bi-monthly automatic-payments. No issues arose around payments, escrow, etc. Altogether I was very pleased... but, like most companies, everything changed after they got me locked in. The extreme level of detail they went into to figure out my financial picture was frustrating, to say the least. For example, trying to get the representative to understand that my shift schedule is arranged around a 36 hour week followed by a 48 hour week (8 hours of 1.5x pay) took the better part of a week. It was just incomprehensible to them that I didn't work a regular 9 to 5. I had to explain my pay in every way I possibly could before finally getting them to understand. Shortly before closing, I was sent a closing cost estimate. This estimate was roughly $7,000 less than what I was expecting. When speaking to my representative (Movement Mortgage loan officer Nick Swain) I asked about this discrepancy. I was told they double checked everything and they were CERTAIN the number they gave me was accurate. Come closing time, lo-and-behold they needed an extra $7,000 because they miscalculated, which I reminded them I brought up before we were here. They took no responsibility for the amount due, but helped me arrange to roll it into my mortgage. I wasn't very happy, but my apartment lease was coming due and I didn't have the leverage to play chicken. During the initial discussions, I was told very clearly and specifically by Mr. Swain that "Movement Mortgage will NOT sell-off my mortgage to another party", it was made out like selling mortgages to other lenders was not an honorable thing to do, and Movement Mortgage was above such disdainful acts. I wasn't exactly sure why he was so adamant about not selling the loan, as I never mentioned it as a selling point for me. Well, exactly 11 months into my mortgage agreement, I was notified that my loan was being sold to a third party. Surprise, surprise. Lastly, I have reached out to Nick Swain maybe three or four times since Movement Mortgage got my money, looking for assistance in minor mortgage-related matters and clarifications. Not once have a received a reply. The extremely attentive and helpful customer service that I got prior to closing was nowhere to be found once I had no other way to provide them profit or Mr. Swain commission. Altogether, in my opinion, Movement Mortgage is a shady business, hiding behind a guise of helpful faces and a polished user-interface.

Movement Mortgage has a large group of very pleasant people to associate with should you ever need…read moreto. I call every month to make sure they have my cashier's check number. This company has been great the first two years I have been with them. I recently got divorced and got a couple months behind. They make it nearly impossible unless you only send Cashier's checks or checks through the mail. The app won't let you do anything once you login and they no longer want any kind of payment over the phone. The people you talk to are still very pleasant, but all they can do say they are sorry and agree they think it's stupid how Movement Mortgage by Service Mac makes it so hard to make a payment. It seems to me they don't want your money. They want you to default so they can sell your house to another person. I do also want to include that I have never had any issues with them "losing" a payment or anything like that. They must have good record keeping in their company. When I catch back up, I do and will still recommend this company. They really just need making a payment much easier.

Alan from first lending solutions helped me and my husband out tremendously with regard to securing…read morea mortgage/VA loan with a low rate. Considering that market rates were above 7%, when we were going through escrow, with Alan, we were able to secure a rate significantly lower. Our closing costs were also lower than anywhere else we had looked. The communication from Alan and Wendy, the closing manager, was almost instantaneous every time we had to submit or sign documents or if we had any questions. I had a really great experience, and I'm so glad that our realtor recommended that we work with them for our mortgage. I highly recommend working with first lending solutions if you're looking to buy a house. Also, this is a veteran owned company, with Alan being a Marine Corps veteran, so it was really awesome to be able to support a veteran owned company to get our VA loan.

It was a pleasure working with Becky Matus and her team. She was quick to answer any questions and…read morehelp make it a smooth process. I would recommend her and her team for your lending experience.

HANDS DOWN BEST BROKER AROUND! Worked round the clock non stop for our family to get us the best…read moremortgage loan for us. Melinda is very professional, experienced, and is such a wonderful caring person. We were blown away at how fast she responds to any concern or question that we had along the way. Always having our best interest in mind. Look no further you have found a gem! HIGHLY RECOMMENDED!

Melinda is so awesome! I started working with her before the COVID-19 pandemic and she got me…read morethrough everything very smoothly as if the world never even shut down. She kept in contact with me and made sure I was getting the best rate possible. Never once did I feel like she was trying to make money off of me or benefit in any way. She's definitely a genuine and honest person, and those kind of people are very rare in business dealings. The only thing I'm sad about is that I never had a chance to meet her in person to give her a great big hug!

Cristina helped and guided my mom and I purchase our first home a couple of years ago. She is…read morereally amazing! She always made time to answer all of my questions and constantly kept me informed with the progress of my loan, and updated my mom in Spanish as well

From the owner: NMLS #483686 With…read moreCristina Martinez, you will receive: - Access to the most competitive rates and the most complete line of products. - Industry-leading closing times and strong technological infrastructure. - Strong client focus and desire to win your business. - The peace of mind that comes with an incredible level of post-sales support. - A prompt, professional, and courteous response to your inquiries. - An ongoing commitment to excellence and service.

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 built a house in 2019 and had two loans. I was told that no one could help me to refinance my…read moreloan with the additional loan. However, my realtor introduced me to Cody and stated that he was knowledgeable and would work hard to refinance my home into one conventional loan. When I contacted Cody, he was friendly, understanding, kind, and a great listener. He took his time to answer all my questions and concerns. Cody was able to make it happen and refinance my loan into a conventional loan and lower my mortgage payments. Since then, I have sent Cody's information to all my family and friends, who are here in California. In addition, he helped my good friend from the East Coast, buy a home after renting in California for 6 years. She's a proud homeowner and recommends Cody to others. Recently, Cody helped me again to add some upgrades at my home, and he came through again. Thank you, Cody. You are forever my loan officer, and I will ALWAYS recommend you.

I had a great experience working with cody... he kept me informed about each and every step of the…read moreprocess... I would and will recommend his services to my friends and family...

As first time buyers, we had so many questions and concerns. Can we afford this? How much can we go…read moreover asking? What are the next steps?... Nicole was able to walk us through each of these questions in a way that made sense. She responds in a timely manner and communicates with the realtor, her team and both my husband and I throughout the process. We don't think we would have been able to get our home without her efforts. Thank you Nicole!

From the owner: Nicole Sandoval, Loan Originator, NMLS #2086050 Cherry…read moreCreek Mortgage, LLC NMLS #3001 Arizona Mortgage Banker License #BK-0904024. Licensed by the California Dept. of Financial Protection and Innovation under the CA Residential Lending Act License 4130289. Ohio Residential Mortgage Act Cert. of Registration #RM.850096.000. Oregon License #ML-4807. Texas Consumer Complaint & Recovery fund go to (www.cherrycreekmortgage.com/licensing). Licensing Information go to (www.nmlsconsumeraccess.org). Equal Housing Opportunity.