Just the other day I was commenting to a friend that I was going refinance my home loan and told her the great rate I was getting at no cost. She said that sounded wonderful but felt sorry for me because of the hassle it was to refinance. I laughed and said you obviously haven't met John at American Security Mortgage. Over the years I have owned several homes and have refinanced my loans dozens of times. I have never met a broker as savvy, professional, down-to-earth as John. The best part is that nobody can beat his rates. I shopped around before I locked in with him, and not only did I not have to pay a cent, I also got a "kick back" that lowered the principal of my balance. We all know there is a lot of paperwork that goes with refinancing a loan, but John assists with that to make the process easier. If you supply the information to him up front, he has the documents ready to sign when you get to his office. He provides a list as to the exact documents one will need, and once you do business with him, your documents are stored with him and you don't have to provide them again. I have to honestly say that I thought I knew a lot about the market, having refinanced as often as I have, but John has a way of educating his customers that allows one to clearly understand the market. He lays out choices for you and thoroughly explains each option and let's you make the choice. It's usually a no-brainer - best rate at no cost. I have refinanced with John a few times now. The first time I did, I had gotten the runaround from a bank, and two months later they denied me. I went to John and in three weeks we had the documents signed and I got a better rate at no cost and with a kick back. I would advise anyone not to even think twice when they are going to either purchase a home or refinance to call John. I encourage them to shop around first so they know the kind of deal they are getting. John is #1 and I have become a one broker man. It's John. Not only is he my broker, I consider him a friend. read more

Looking for a financial team who will not only get you the best rate, but who you can also trust to have YOUR best interests in mind during your home search? John Olbrich and his team are second to none! As first time homebuyers, my partner and I had a lot of questions, were extremely cautions and critical of agents and brokers (based on the current market and our countries history), and also we didn't know what we didn't know. We received a referral from Next Door to reach out to John, and were glad we did. When we first met with John he took more than an hour to answer all of our questions, as well as run through some scenarios. He explained not only his philosophy, but also his view of the market. After meeting with others, it was easy to go with John and his team. As we made offers, John was always available to take our calls, answer questions, and give us estimates. When it came time to opened a 30 day Escrow, John was communicative with all parties, kept us in the loop when necessary, and closed the deal in time! Even as we/they navigated issues with other parties that were out of our control, this team was a bunch of rock stars and still closed on time. To top it off, John was able to get us an amazing 3.75% rate AND a lender credit that took care of closing costs, which was a deal maker for us! We have agents that we knew had our back, and they also were very impressed with John, and were happy to work with him. Besides giving 5 stars, you should know I started a YELP account just to make this review. THAT's how impressed we were working with this group of folks. A sincere thanks to John and the team at American Security Mortgage! We look forward to working with you all again in the future! ~Daniel, Cara, Sophia and Kona read more

This is an update to my prior posting about John @ American Security Mortgage: John let us know just as soon as the rates dropped again and we are refinancing at the moment... Doing business with John is always a pleasure and his professionalism is outstanding. He is very organized and caring. 2014: I found John Olbrich at American Security Mortgage through a postcard to my home a few months ago. I liked the pitch and I called the office because I was looking to do a fast, easy, no cost mortgage and was not pleased with 2 other agent's customer service or response time. I talked to John and made an appointment for the next day with my husband. He advised what documents to bring and by the end of the meeting we had our numbers and our path to refi. We closed approx. 3 weeks later and every step of the way was a breeze. The notary even met us at a Starbucks to sign loan papers. It was the easiest home financing transaction I have ever been involved with. John worked hard and fast to make it happen for us. We are saving over $400 a month with a lower rate and we got rid of our PMI costs. I would do business with American Security Mortgage again in a heartbeat. I have referred friends and will continue to do so. John's office and staff are lovely and very responsive with great customer care! Thanks loads! Lyn & Dennis read more

I first learned of American Security Mortgage in 2001. I was immediately impressed with the straight forward talk, no pressure and professional environment. I have no financial education or training, I've been a Marine for 20 years. Learning about interest rates, repayment schedules and escrow accounts was made easy by American Security. Through the past 11 years, I re-financed twice with American Security and paid off 35% of my college tuition. In 2008, I didn't listen to the sound advice of American Security and by 2010, I almost lost my home. My family and I will NEVER utilize any other broker, lending institution or bank when it comes to buying a home. At American Security you get what you pay for: honest, professional service, peace of mind, INTEGRITY and top notch professionalism!!! I have referred 4 different people to American Security Mortgage. They were also treated with respect, professionalism and great service. My friends thank me everytime they see me for introducing them to American Security. If you are ever thinking about buying or re-financing a home, there is only one brokerage in San Diego to go to: American Security Mortgage! read more

I have used John Olbrich and his team at American Security Mortgage numerous times over the past 20 years. There is a reason that we keep coming back to John and his team. That reason is the professionalism, personal attention and expertise that we have experienced every single time. Just when I thought we were done needing his services, our financial advisor suggested that we might be good candidates for a reverse mortgage. Once again I went to John for his advice and found that the reverse mortgage products currently available have changed significantly, even dramatically over recent years. John and his team provided outstanding educational information and resources to help us make our decision. Once we made our (difficult) decision, John's team effortlessly and seamlessly guided us through the process, and connected us with the correct resources. Our reverse mortgage was completed recently and it has provided everything we expected it to with no hidden surprises. Once again we thank John and his outstanding team. It is a pleasure to deal with them and I have recommended them to several friends who may be candidates also for a reverse mortgage. read more

John helped us by our first home last month and I don't think we could have done it without him. Our agent put an impossible loan contingency in our offer that we didn't realize at the time and quite frankly didn't even know what was standard. The loan contingency was something another lender that our agent worked closely with had promised they could do. When we went to John he was blown away that our agent put that loan contingency and went as far as calling him out for it. We knew right then that John was 100% on our side and we were glad we had chosen him. John loves working with first time homebuyers and goes out of his way to make you feel comfortable with every step of the loan process. It also helped that he was able to beat the other lender with a lower rate and a good size lender credit. He even used up some of favors and was able to do the impossible and get our loan fully approved before the loan contingency deadline! We will use John for as long as he is around and not even bother trying to shop around. He truly cares about his clients and goes above and beyond to help them with there loan needs. read more

I'm writing this review on behalf of my mother, who started the refinancing process on March 7, 2016. She originally financed her home through John in December 2014. Since John had her information from the previous transaction he was able to quickly complete her application after she provided new bank statements and income verification. She signed loan docs for her refi via a mobile notary on April 4, 2016 (less than a month later!). She's beyond pleased with John's efficiency and dedication to help bring down her rate, and save her money. Best of all she didn't have to come up with any cash to close and she's getting cash back from the Lender. My mom speaks so highly of John that she's convinced me to reach out to him for help since my husband and I are getting ready to buy a home of our own. Knowing how pleased my mom was with John and his team I will definitely trust her word and give John a call soon to start putting my dreams into action. Thanks John for taking care of my mom, and I look forward to working with you soon! read more

Five Star-Plus for American Security Mortgage and their amazing personalized service with the best rates in the market, at any given time. Mr. Olbrich and his team have processed at least five different loans for me, in the past 25 years. These loans were for new homes, resale homes or for refinance. Every person in Mr. Olbrich's team is an expert in their field. It is an absolute pleasure to work with each one of them because 1) they aim for perfection (best loan for each client,) 2) they are extremely efficient and effective, 3) always making me feel safe and comfortable because of their experience in the field, 4) and most importantly, because Mr. Olbrich works with an impeccable level of integrity. Finally, 5) I trust Mr. Olbrich with his counsel, and to me, trust is paramount. Thank you for always exceeding my expectations and going beyond the call of duty to make our transactions smooth and successful! God bless you all! read more

Being a first time homebuyer, I wanted to work with someone who had been in the industry a long time with a proven track record of success. A broker whose clients are his priority and always puts them first. I read all the wonderful reviews on Yelp about John Olbrich and opted to go with him. John Olbrich, president and owner of American Security Mortgage, worked with me on the various finance options for my home purchase. He showed me how a reverse mortgage would fit my scenario best. I am now a very happy homeowner having no mortgage payments with a great rate. The entire loan process from start to finish was fluid, flawless, and seamless with John and his professional and friendly staff that kept me informed and confident thoughout. I just knew that I had chosen the right broker. John Olbrich has my highest recommendation as a great broker and all around wonderful person to work with. read more

I have been a client of American Security Mortgage since 1998 when I refinanced my first home to get out of my PMI. I was in my 20s at the time and had been referred to them by a colleague. Honestly, at that point in my life, I was drawn to them as much by their low rate quote as I was the enthusiasm with which my colleague gave the referral. I was so impressed with John Olbrich's level of service and professionalism, however, that I have never even contemplated using anyone else since. Now, in my mid 40s, between purchases and refinances, I can't even remember how many times I have used them, nor how many friends and family members I have referred to him. Everyone I have referred has become a repeat customer. Simply stated, John Olbrich and the group at American Security Mortgage are terrific! read more

I have been wanting to do this review for a while. After trying to refinance my house with several companies that were not that honest on my options a good friend from work recommend this company to me. John Olbrich was honest an work with me to stir me on a good financial path. This company is honest, friendly and personal. Thanks to their help It was possible to manage a very stressful situation and now I will be able to pay for my son's college . I highly recommend them try a consultation and see for your self. I will refinance with them any day with no need to check others. As an additional comment the guy that referred me to this company is very strict and discipline with his finances so you can say the reference was checked all the way. read more

I have been working with John and his team for almost twenty years now. Over that time, his company, American Security Mortgage, has helped me with many types of single family residence and income property financial services. New loans, refinances, lines of credit, etc. Each and every time, they have been tirelessly responsive and available to meet whatever escrow timelines are needed. They work rapidly with me through complications to get solutions through the busy process. And just as importantly, they stand by their original numbers, or in some cases, even beat them, if the market conditions are there. It is few and far between that one finds organizations, in any capacity, as good as this. I highly recommend without hesitation. read more

When friends (and clients of mine) decided to purchase a home in San Diego, they contacted John Olbrich because of the challenging nature of the loan they were seeking. It was a VA Loan for a married couple with a very short escrow time-frame. John is amazing with his communication and care of those trusting him with their home purchases. He successfully completed their application over the phone and had the final loan documents to the escrow office within 16 days! Without John's help, their home purchase would have taken much longer than agreed on the contract. Not only is John professional, he's also very personable. John Olbrich gets from me 6 out of a possible 5 stars. read more

Since our first loan with John and his team at American Security Mortgage we have gone nowhere else. Looking back at my records that is now 19 mortgages or refinances on our home and an assortment of residential rental properties. Our kids now use John as well which adds another 7 mortgages to date. The quality, attention to detail, openness about the process, options, costs and service are the best. My confidence was recently affirmed when I had to go to a large bank for a commercial loan not offered by American Security. The difficulty and lack of timely response nearly cost us the deal which has NEVER been an issue with American Security. read more

John Olbrich recently helped my husband and I purchase a home in Escondido, CA. His service was impeccable and the loan process went very smoothly. He answered all of our questions, and there were a lot! John promised us a loan with very low closing costs and boy did he deliver! We literally only paid $200 in closing costs over our down payment as he was able to offer a very large lender credit. This speaks volumes about his relationships with the lenders he works with. John also called us the morning of the loan funding to say congratulations. I recommend John and his team to anyone purchasing a new home, especially first time home buyers! read more

We have been working with Johns Olbrich and his team at American Security Mortgage for over 21 years. He has helped guide us through several transactions. He and his staff are extremely knowledgeable and up to date, and have always dealt with us in the most professional way. He is always most patient in taking all the time we need to fully understand the pros and cons of the process. Currently we are in the process of investigating a Reverse Mortgage and he is doing a tremendous job of making sure that we fully understand exactly what's ahead of us as we explore this complicated and often misunderstood decision. read more

I have chosen to work with John Olbrich and American Security Mortgage on several occasions because of John's honesty, professionalism, knowledge and high standards which set him apart from other mortgage brokers. In addition, I have recommended him to many of my friends and colleagues who have been very pleased with the entire process and their loans. He will go the extra mile to get his clients the mortgage that's right for them, and will save them the most money. If you are looking for the very lowest interest rate with the best service possible, I recommend that you give John Olbrich a call. read more

John Olbrich has worked with our family since 2001. We were initially referred to him by one of my trusted friends at work. After all of these years, he is the first person we turn to when making financial decisions. We trust him and his team at American Security Mortgage. He and his team have decades worth of experience. They are friendly and efficient. Lee works with John and she keeps all of the paperwork organized. She is simply the best! John and Lee make a wonderful team! Thank you for taking care of our family for all of these years! read more

John Olbrich, John S. and the whole team at American Security Mortgage made buying a home as fast and smooth as possible. They were knowledgable, quick to respond and got us an amazing rate. Honestly, I never imagined I'd have a favorite Mortgage Broker, but I definitely do now. I'd never dream of working with anyone else. I can't recommend American Security Mortgage (San Diego) highly enough. Oh, and I'll just throw in there, that they helped us close in less than 3 weeks!!!! It was a virtual miracle made possible by John and his incredible staff. read more