Andrew Q. and his team were instrumental in getting my loan approved for my small business. He…read moreworked with me well, got me approved, and made it happen, after other mortgage brokers said they could, and could not. I strongly recommend him and his team.

I can't thank Andrew and his team enough. What once felt impossible--owning multiple homes--he made…read morepossible for me and my son. We closed on two properties this year, and the entire process was smooth, professional, and stress-free. He goes above and beyond, always available to answer questions, explain details, and guide me step by step. His knowledge, patience, and dedication show he truly cares about his clients' success--not just closing deals. Because of him, I've been able to build generational wealth and give my son a better future. I'm already planning for the next property with full confidence he'll get it done. If you're looking for someone trustworthy, hardworking, and results-driven--this is the person you need on your team. Highly recommend!

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.

Danny Arriaza and his team were very attentive and meticulous about getting the proper paperwork to…read morepurchase our family home from my siblings. He knew it was an emotional time for us, and not something we would be familiar with. What could have been an overwhelming situation was a very positive experience. Their patience and availability was most appreciated. Highly recommended with many thanks!!!

Great company for work with. Customer service it's excellent and always willing to go the extra…read moremile.

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

If anyone is looking for a new place to call "Home" ask for Agent Crystal! She made this whole…read moreprocess of finding a home easy and not stressful at all! She is there to help with whatever it is you're looking for! She is reliable and responds back!! We will be back whenever we decide to find a new home! Thank you again so much Crystal! We appreciate your services!!!

Esemerald helped me with my loan and all the loan doc. She is great, I mean she is perfect! Very…read morehelpful, quick response. This is my first time buying house, she provide me very details information and instruction as well.

Always the best service! So grateful for Dawn and her team of experience staff. We have used them…read moretwice to purchase homes and I'm they will be only choice for any future needs.

I'm a customer. When you need to move on a refi or having…read morefinancing ready to go on a loan, you've usually made up your mind and these days, delays will cost you more. Acquiring solid financing, meaning your lender is anticipating your borrow begins with those people like Tom, Dawn, and Renae and the rest of C&S crew who can get you there by utilizing their knowledge and experience; and I mean really good experience, but yet staying connected and educating themselves and each other daily on the trends of the mortgage market. Their diligence to stay ahead of the game will be to your benefit. You can't just borrow anymore. If you don't know this, you should because you can lose your one chance at getting what you've worked so hard for by letting your loan app get run through the mill, so to speak, and it affecting your FICO. Some of us run real close between a decent score and a mediocre score, so don't throw away your FICO points on loose ends. Let this company package it nicely and most attractively. There is a lot of professional advocacy involved and intermingling between those colleague specialists involved in getting you that loan, and trusted relationships are at play in their circle of "know how's and know what's and know when's" so your loan application isn't flying around Willy Nilly in someone's internet space who cannot remember who you are by tomorrow. Many other companies have no personal interest nor liability to your securing money safely. It's a big risk and it's a real risk because your paperwork is moved via the internet to anyone they do not know. So it's not about speed as much as it is about completion. I myself, am not a wealthy borrower, but I am what you call a Quality Cheapskate; I want the best I can get for a fair price and Tom's humor and ability to communicate to me how to I can do that has given me a home that I thought I would never have again after divorce. Forget that; I'm better off than before. I have been a customer of this company for 10 years and Tom has never let me waste money because he does find the best way for his clients, and he's a guy who likes the big puzzle so a little maze never got in his way to bring a loan to completion. The one thing I do want to say, though they carry the complexities of accomplishing a good loan, as a client, it is soooo easy and most of your work you can do by scanning. There's very little or no running around. I have lived throughout the San Gabriel Valley as well as South OC and everything is done at home or on the phone and their system is very securely encrypted. Even the Notary can come to you if you want. I've met my Notary in front of a food truck in LA during lunch hour in DTLA while being a train commuter from Irvine. I just simply did not have the time so they sent the paper to me. I highly recommend this company and thee nicest people who work hard everyday and know how to relate to their diverse customer lifestyles, so there is no reason to think it will be impossible for you. Nancy Snyder PS I'm not correcting any grammar...

Not having met the staff at Gem Mortgage in Solvang, CA, I am writing a review from a business…read moreperspective. As the seller of a recent property transaction for which this lender provided 'pre-approved' funding to the buyer, I was not impressed with how the loan process was handled. Delays because of insufficient underwriting staff, caused needless anxiety and expense to both parties. At a time when mortgage rates are at an all-time low, and demand for new and refinance funds high, this lender was not prepared to handle the load thereby passing their inadequacies on to the customers involved. This is not good business. In light of the demands on essential businesses and those who were forced to cut staff or close completely in response to COVID-19, mortgage banking business increased. Lenders should have been hiring staff to meet demand, not the opposite. It's not likely I would recommend Gem Mortgage in Solvang, CA however, the banker did offer to "speak with the Seller" to explain the delays to our realtor, thus two stars. Thank you.

We found Mr. Chris Haun through the Housing Authority website because GEM is familiar with the MCC…read moreand other first time home buying programs. Turns out Chris is extremely knowledgeable in his field. Getting to know him in a few weeks solidified my trust in him as a person and his company. We were only browsing homes but quickly got an offer received. Chris switched gears quickly from the pre-approval process to the getting the actual loan. From our first meeting with Chris until the end, the level of service and professionalism was truly a 5 star experience. He took the time to educate us on the home buying process from start to finish. When our offer was accepted and we went into escrow, Chris was extremely resourceful every step of the way. Chris was always available if we had questions or concerns. The overwhelming process of home buying seemed to subside as Chris was sure to carefully explain each document with responsive emails and phone calls. Seriously, I'm not recommending to do this but if you were to call him at 2am , he would probably answer! That's how responsive he is. We are first time home buyers and I can't thank Chris enough for making this long and complicated process more enjoyable and become an amazing learning experience! Chris will be a resource for life as we will have questions about the housing market in years to come whether we refinance or take out a loan equity. Chris' rates are very competitive but not the absolute cheapest. I'm as cheap as they come but Chris and his expertise is worth every penny. You do not want to be cheap in your first home buying experience.

I have had the upmost amazing experience buying my first home ! Huge thanks to Virtuallending for…read moresuch a smooth process

I did not have a good experience with this company. I am surprised and suspicious of the recent 5…read morestar reviews. Though I will say that those reviews are referencing a person named Janet with whom I did not work. I agree with the review of Mike G of 4/2/24. This company drags the process and leaves customers in the dark. As Mike G states, their business ethics are terrible. The people who worked on my loan application did not follow through and did not respond to phone calls, or email and text messages in a timely manner. Even when I was sending them documents and information that they had requested. I was often left in the dark for weeks at a time. I have refinanced my property in the past. Every other lender with whom I have worked, was in regular contact. Every other lender was on top of the process and kept me regularly informed. I had confidence in the other lenders with whom I have worked. It was like we were working together to get my loan funded and approved. My experience with virtual lending was the complete opposite. It was 180 degrees different. One of the people assigned to my account, the lender's assistant, would regularly tell me to be patient and to bear with them. Yet this person set up her cell phone so that customers could not leave voice mail messages. If she did not want to take the call, I would get an outgoing message stating that she was not available and to call back later. Accordingly, I was at her mercy as to whether or not we would connect. It should also be noted that they all seemed to have different phone numbers. In order to reach my lender, I had two phone numbers for him. Which he never answered. When my lender did not respond, I called the phone number listed on their website. A different person, who identified himself as a supervisor, always answered that phone. Then the lender's assistant had a different phone number. Notably, none of them were ever in the office at the same time. I am of the impression that they are all independent contractors who work remotely. That virtual lending is not a real business entity or company. There is no hierarchy and no accountability. In fact, about six weeks ago, I asked the person who always answers the website phone number to have someone from upper management call me. He said he was the only person available at that time. I told him it was fine if management got back to me in a few hours. He agreed to have someone from "upper management" contact me. Here we are approximately 6 weeks later, and I never received a call from upper management. Probably because they do not exist. During that same phone call, I mentioned that my lender was not returning my calls. The person who always answers the website line, and who identified himself as a supervisor, became argumentative. He told me that my lender had signed on many new clients. I explained to this person that it is not OK to abandon existing clients for new clients. That the lender still has an obligation to do competent work for his pre existing clients. I said the same thing to the lender's assistant, mentioned above. When I did not hear from her for over a week, I messaged her and told her that in my profession we have an ethical obligation to respond to client inquiries and to keep them informed. And, that it is an ethical violation to take on more work then we can handle. I told her I wondered if there were similar ethical obligations in the mortgage lending industry. Shortly thereafter, she contacted me and told me that my loan was not approved. My loan had been conditionally approved weeks before. The alleged reason for the ultimate non approval was because of litigation of a run of the mill slip and fall on the condominium complex where my condo is located. The complex is in litigation with the plaintiff in that slip and fall matter. That reason does not make sense. I supplied the lender's assistant with evidence that the condominium complex has $11,000,000.00 of insurance available to cover that law suit. The includes a $1,000,000.00 general fund for personal injuries. And, a $10,000,000.00 umbrella policy. I also supplied a letter from the insurance company's lawyer stating that they will cover the complex in that litigation, and that it should be settled within the policy limits. I may never know the true reason why my loan was not approved. Whether it was because I complained about their lack of communication and follow through. Or because of the slip and fall law suit on the condominium complex where my property is located. What I do know is that these lenders dragged their heals and gave me a false sense of hope that my loan would be approved. I lost time and money waiting on them. They knew that getting this loan funded was important to me. As Mike G says, they have terrible business ethics. This goes beyond bad customer service. It is customer abandonment. It is best to stay away from virtual lending.

Armando and the whole team were so helpful during the loan process, specially Melanie, thank you…read moreMelanie for helping us with all the paperwork requirements. Armando thank you for the communication, and all around smooth process. Im Definitely recommending you guys to anyone that is the the process of buying a home. A++ customer service! Thank you Super Mortgage Bros! Ray.

You want Armando in your team today!…read more He saved us a lot of headaches getting a pre-approval form BEFORE we shopped around for property. Other loan officers do it wrong and just let their clients go out with just a pre-qualification form, which isn't an accurate number of what a person can afford. Armando also helps keep all the necessary paperwork submissions stress-free. The truth is that part of the normal process of getting a home requires a lot of back and forth about income and bank statements, but Armando's great attitude makes these communications easy to have. He is very knowledgeable about the industry, organized, adaptable, and responsive to help clients navigate the complex loan process smoothly and build trust. As a non-citizen, I cannot give my trust away so easily. But Armando earned it. He even helped us get a better interest rate right before closing escrow, saving us thousands over the years. I am now the proud owner of a multi-family home in Los Angeles. The whole process took two months - si se pudo! And Armando is still available to answer any questions even after closing. Thank you, Armando. In two years, I will be circling back for more property once I can make another downpayment. But I am recommending everyone I know to him today. :)

Alex is a stellar loan officer who always does a tremendous job. I highly recommend Alex to anyone…read morelooking for a home loan. He's helped some of our first time buyer clients and seasoned investors build residential real estate portfolios. Highly recommend!

He was highly recommended to me from my agent. We closed earlier than expected and gave me a great…read morerate !