Marty Yeghishian helped me complete a very challenging refinance that involved complications with…read morethe HOA and documentation requirements. Many lenders would have walked away from this file, but Marty did not. He remained patient, persistent, and solution-focused from start to finish. There were delays and obstacles that felt overwhelming at times, but Marty kept the process moving, communicated clearly, and worked through every issue step by step. Because of his experience and determination, we were able to close successfully and improve my mortgage situation. What stood out most was his integrity and commitment. Marty truly cares about his clients and does not give up when things get complicated. I am sincerely grateful for his guidance and would confidently recommend him to anyone looking for a knowledgeable and trustworthy lender.

We can't say enough good things about Marty and the Option One Lending team! He helped us buy our…read morehome in 2023 and just refinanced our rental property this month--both times were smooth, stress-free experiences. Marty and Suzy are amazing! Super responsive, no surprises, and always made sure we understood every step of the process. Everything was done on time and we closed exactly when we were supposed to. If you want a lender who actually makes the process easy, Marty's your guy!

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and team have been so wonderful to work with!! Not only are they incredibly knowledgeable,…read morebut they made us feel so comfortable through the whole process. Never once did I wonder if our team knew what they were doing because I was CONFIDENT that they knew exactly what to do. Plus, as someone who likes frequent communication and updates, the team was really great about that. I would highly recommend the team to anyone looking for a home loan.

Very professional loan officer that work with a digital approach but also have the paper based if…read moreyou prefer that. Nicole Melgar helped me get pre-qualified and pre-approved so I was able to get my home when I found it. She works for you and I can only recommend her as your next loan officer.

From the owner: We specialize in tailored mortgage solutions to meet unique financial situations…read more Whether you're self-employed, investing in real estate, or need fast access to capital, we offer a wide range of Non-QM and alternative lending options, including: DSCR Loans Bank Statement Loans Jumbo Loans Commercial & Residential Financing Bridge Loans & Hard Money ITIN Loans Se habla español — providing expert service to both English and Spanish-speaking clients.

When it comes to getting a mortgage you want to work with someone who is Knowledgeable, has…read moreintegrity, tenacious & communicates with all parties involved. Kelli Morgan is this & more! I have been referring my clients to her for 15 years, she has closed every loan and the clients come back over & over and refer her business as well.

Lenny is a superb broker and a great human being. He walked me through the mortgage process and…read moreexplained how everything has changed over the years. With professionalism and humor he made the process as streamline, clear, and quick as possible and got me a great rate. Mitra in his office exhibits equal professional integrity and follows up each issue with care to details and a bit of urgency. Getting a mortgage ain't what it used to be so I recommend having Morlend Financial Services in your corner. THE BEST!

What an incredible team Nelly has. We absolutely loved working with them. Nelly and the team made…read morethe stressful process of buying a home a little less stressful on the mortgage front. Anytime we had any questions or concerns they were on it and immediately responded to us. Highly recommend Nelly and her team for any of your financial needs.

We absolutely loved working with Nelly! She was always available to ask questions and we always…read morefelt that she had our best interest in mind at every point. She was also just fun to work with and we know were given the best service and financial options for our mortgage throughout the process. We will definitely be coming back to Nelly for any needs in the future!

I don't use the word "extraordinary" lightly, but David Lerman and the CalUnion Funding team earned…read moreit. I came to David with a complex transaction -- purchasing a $2.7M owner-occupied property in the Coachella Valley that required creative financing, fast execution, and a team that could handle curveballs without flinching. David delivered on every single one. What sets David apart is not just his knowledge of the mortgage industry -- it is his character. When obstacles came up (and they did), David did not just solve them, he anticipated them. He moved mountains quietly, kept me calm, and never once made me feel like the deal had challenges even when the pressure was real. His team -- Lauren, Vicky, Ryan, and the entire CalUnion crew -- matched his energy every step of the way. Professional, responsive, and genuinely invested in getting this done. I closed on a stunning 5-acre estate in the Coachella Valley that will change my family's future! That does not happen without David Lerman and this incredible team. If you are looking for a lender who is a true partner -- not just a transaction processor -- stop looking. You found him. Five stars is not enough.

I cannot thank David Lerman and Cal Union Funding enough. They didn't just process my application;…read morethey acted as a trusted advisor, helping me to understand my options and secure the best possible rate. I have had the opportunity to work with this knowledgeable team for both a home purchase and refinance. If you are like me, you are skeptical of dealing with professionals from an industry that by history has exploitative or deceptive practices. David and his team did a wonderful job to keep open communication for transparency and make a complicated process feel manageable. They were incredibly patient, answering every question I had (no matter how small) and keeping me updated at every step. Their attention to detail ensured there were no surprises or delays and they went above and beyond to assist in identifying solutions when I needed to overcome a specific challenge related to my unique income structure. Additionally, their speed and efficiency helped me to lock in a good rate during this very challenging economy and keep everything on track for a closing on a tight timeframe. I'm so grateful for their expertise and working with them a second time gave me peace of mind that I was in capable hands. David and his team always made me feel like a priority, despite my awareness of the team's busy schedule. I wouldn't hesitate to recommend this team or to work with them again!

I had a great experience working with Judy throughout my loan process. She was professional,…read moreresponsive, and incredibly organized from start to finish. The transaction involved many moving parts, but Judy kept everything clear, on track, and well coordinated, which made the entire process much less stressful. I really appreciated her transparency, attention to detail, and willingness to follow up proactively to keep things moving. Thanks to her guidance and efficiency, the loan funded successfully and smoothly. Highly recommend Judy and California Hard Money Direct to anyone looking for a reliable and knowledgeable hard money lender. Thank you again for all your help!

We were in a tight situation where the Broker we were working bailed on us and the Lender was no…read morewhere to be found and closing Escrow was in a week for 2 commercial Properties deals. We were recommended to Judy by our Real Estate agent and She was an Angel sent from Heaven. She really came through for Us and in 3 days we had all the transactions done and Closed Escrow with no Problem on Both Properties!! If it wasn't for Her we would have lost over 100K and 2 properties because of Incompetent Broker. Great Communication and responsive when we needed her. I have the Outmost respect for her and her Company and can't recommend them Enough to Anyone looking for a Lender in Real Estate Transactions and Funding. She is AAA+ in my Book. Thank You Judy for your Help!!

i had the pleasure of working with Sarah M. earlier this year. She was beyond incredible. it was my…read morefirst experience with a purchase of this size and she gave us so much reassurance every step of the way. she was very informative and most importantly available. her patience made us feel secure with the process. she provided a service i don't believe we would have received with anyone else. we are so happy with our home purchase and thankful to have been able to work with Sarah and her amazing team! Will absolutely reach out to her in the future when we are ready to make a new purchase in the future! Thank you again Sarah!

I have worked with Artin and his team twice now. Once back in 2014 for the purchase of our condo…read moreand again this year for the purchase of our home, and you simply won't find better than him. He's incredibly responsive, very patient in explaining his process, and perhaps most important of all, he's fast, which in a competitive real estate market can make all the difference in either scoring or losing out on a home. I really don't think we would have been able to beat out all the other bids we were up against had it not been for him and his team. Real estate agents across LA know him and recommend him for all the reasons stated above. I'd often hear about him from others who were in the stressful throes of the home-buying process as THE go-to for home loans.

Just closed on a HELOC with the best rate I found (by far). The process was super easy- I kept…read morewondering what the catch was. Justin was very responsive and easy to work with. I highly recommend this company!

Great team and very professional They are really…read moreinformative too and quick to follow up

A friend recommended Lantern Financial to me in 2023 as I needed a loan for a large renovation I…read morewas embarking on regarding my commercial property. My first encounter was with Ken Carmona, President, who was extremely knowledgable, professional, patient, honest and responsive. Following is the impressive team---Barry Judis, Lusine Hayrapetyan, Nadia Garcia and Lucy May. Each of them are impressively professional, knowledgable, honest and responsive and deserve to be acknowledged for their contribution as well. Thank you again, Lantern Financial! Wishing you continued success in all your future endeavors.

We are return clients with Lantern Financial and I am so thankful to work with a professional team…read morewho made the process a pleasant experience. The terms were very fair for our situation, Ken and team were so prompt with responding to our needs and we worked great together to accomplish our goal. We are clients for life and highly recommend Lantern Financial! Ken Carmona and team, thank you, thank you for everything.