Here's a polished, smooth version of your review that keeps your tone and meaning but reads more professionally: I'm leaving this review for Yanelly Rochin, our lender. She is truly amazing and a complete professional at what she does. My husband and I were so impressed by how responsive she was at all hours of the day whenever we texted her with even our most random questions. Yanelly always took the time to break everything down for us in detail so we could fully understand each step of the process. She made complex information feel simple and manageable, which meant so much to us as first-time homebuyers. She was also incredibly willing to go above and beyond to help with paperwork--even when it wasn't directly part of her side of the home buying process. She even met with us in person at a coffee shop to help us fill out forms properly. That kind of dedication and personal care is rare these days, and we truly appreciated it. As visual learners, my husband and I especially valued how clearly she explained things both in person and through her detailed, easy-to-understand emails. She was patient, supportive, and genuinely committed to making sure we understood everything. Since this was our first home buying experience, having Yanelly guide us through every issue that came up made all the difference. Another lender we spoke with didn't even attempt to provide that level of support. We will absolutely be recommending Yanelly to anyone in need of a lender. She is professional, knowledgeable, and one of the kindest people we've had the pleasure of working with. Yanelly, I now consider you our friend, we cherish all you have done for our little family and you are always invited to the carne asadas! read more

We recently completed a refinance on our home and had the pleasure of working with Marty and his team. Marty truly went above and beyond to make the process as smooth and stress-free as possible. From the very beginning, Marty demonstrated exceptional professionalism, expertise, and a genuine commitment to helping us achieve our goals. Marty's communication was outstanding--he was always available to answer our questions, provide updates, and explain every step in a way that made us feel confident and informed. He was incredibly patient, detail-oriented, and proactive in addressing any potential issues before they became problems. His ability to navigate the complexities of refinancing with such ease and precision was truly impressive. Thanks to Marty's dedication and hard work, we were able to secure a great refinance deal on our home, and the entire experience far exceeded our expectations. It's rare to come across someone as knowledgeable and professional as Marty, and we are so grateful for his efforts. We highly recommend both the company, Marty and his team to anyone looking for exceptional mortgage services. Thank you for making what could have been a daunting process feel effortless! read more

Being honest, we had lost our home and blew up our credit during the real estate melt down five years ago. I doubted we could get a loan, let alone a fairly substantial loan for our dream home by the beach in Ventura. I wrote Marty Smith and the team at CMS and within hours we were pre-qualified and on the path to home ownership! Because of our unique financial situation not every lender was willing to work with us in the tightened regulatory market, but Marty and the CMS loan officers fought and scratched and kicked to make sure we would get our loan. And while they worked for the best deal possible, the kind and patient staff reassured us at each step of the way like they were serving a family member. I can't speak highly enough of the CMS team. If Marty Smith prequalifies you and you stick with CMS you will get your loan at the best possible terms. So glad we acted while interest rates are low! THANK YOU CMS!!! read more

I have to give a lot of credit & kudos to CMS and Marty Smith. They are not overbearing in their presentation of loan options. Marty has the skill to KNOW what the best options are for each individual borrower and advise them as to the best route to take. Marty has, on more than on occasion, saved my clients from losing a house - my clients had their own lender who ultimately could not provide a loan for a purchase; after referring them to Marty, he was able to provide a good quality loan to my clients to complete their purchase. Marty's vast knowledge of the myriad of details of hundreds of loan options is absolutely incredible. I would highly recommend contacting Marty for his opinion of your individual situation in obtaining a loan. read more

Capital Mortgage Services was the reason why my fiancé are officially moving into our dream home this week. Not only did they go above and beyond for us but they were also willing to take on a VA loan when plenty of mortgage companies would not even look our way. I would also like to give a huge shoutout to Jerry Avila for working closely with us throughout the huge process. Not only did Jerry answer all our questions, and we had plenty, but he also took the time to explain everything in detail when we did understand. Thank you Jerry for your help. We would not be in our dream home without your help! I would recommend Capital Mortgage and Jerry to anyone looking to purchase! read more

Marty and his team are absolutely the best! With Marty's assistance I was able to purchase a starter home in 2007. The lender I was working with had a hard time securing my loan. Half way through escrow I decided to contact Marty, and he was able to secure my loan with fewer conditions. Marty made the process easy, convenient, and stress free. This year when I purchased my dream home, Marty once again came through for me! 100% recommend Marty, I can not speak highly enough about him and his team. Marty, thank you very much!!! read more

Capital Mortgage Services (CMS) is amazing! Buying a house can be very stressful, but everyone at CMS was helpful, caring and professional. Marty was particularly helpful; he returned phone calls quickly, answered all our questions(and there were many), and went out of his way to make sure that we were not stressing. He made our home buying experience the best it could be. I wouldn't go anywhere else for our mortgage needs. I have already recommended Capital Mortgage Services to all my friends and family. read more

As a first time homebuyer, Capital Mortgage Services could not have made my experience more pleasant. What I valued the most about my experience with them was their response time, anytime I had a question about what I was signing, the loan documents or anything else for that matter they were there to walk me through it. At the end of the day they created a stress free experience and I was a very happy client. Thank you Marty, Jenna and Sarah, you were great and we are loving our new home. -Mario read more

I knew when we searched for a home mortgage specialist this person had to be very knowledgeable, honest, and straightforward. We got more than we bargained for. Not only was Marty Smith a loan expert, he also advised us on how to prepare and manage our debt once we completed the refinance. He taught us how the credit bureaus review credit and how lenders qualify borrowers. His staff is thorough, efficient, professional and our loan closed 3 days early. He has our business for life. Thank you CMS! read more

CMS has treated us well for years. We have used them multiple times and have always provided accurate exceptional service. Marty is honest and has always gone above and beyond for us. CMS admin and support staff is excellent and has performed above and beyond any other lender that I've dealt with. We will take all of our business to CMS in the future and have always recommended friends and family to them. Hands down Marty and CMS is the most professional and dedicated lender I've ever used. read more

I refinanced my home with Marty and his team at CMS. Marty's team, Sarah, Jenna and Shandi are the best! The process couldn't have been smoother, they answered all my questions quickly and thoroughly and were always available. I highly recommend Marty and his team at CMS, I've already told all my friend and family to call them! Thank you Marty for everything you guys have done, getting me into a great loan with a super awesome rate where others couldn't! read more

I have to say my husband and I were really impressed with Jerry A.'s help with our refinance. His advise and patience was great. He always returned my calls regarding my questions and concerns. He was on top of things and made this transaction seem so easy. We would recommend his services to anyone who is not satisfied with other bank's services. I know that Jerry A. will definitely do all in his power to make your loan go through. read more

Marty and the entire CMS staff are amazing! They are always available to answer questions and guide you through the entire loan process. Whether you need to refinance or obtain a new loan you should definitely call Marty and his team! I have used him several times, and I have referred him to many people because they are the best. You can count on honesty and knowledge with them. read more

Capital Mortgage rocks! Marty and his team are the best! Everything was 100% smooth. It was by far the easiest and least stressful mortgage application that I've ever been through. I would recommend them without hesitation. Professional, friendly and efficient. The home buying process is stressful enough. You owe it to yourself to pick the right lender. And they are the best! read more

Marty Smith and the team at CMS helped me buy my first home, and the service was great. My calls were always answered and emails were responded to in a timely fashion. Marty was even willing to meet with me on a minutes notice to explain the lending process making sure I understood my options. Thanks! read more

Always a pleasure working with Marty and his team. Marty was always available to answer any questions we had first when we purchased our home and again when we refinanced. Marty is so knowledgeable, he makes mortgage issues easy to handle. Marty is our go to guy, always!! read more

Marty at CMS is an expert at what he does. He made home ownership a dream come true to us a few years back and helped us again about a year ago with a refi. I've referred him to several of my friends and all have had great things to say. I'd refer him again and again. read more

Marty at Capital Mortgage Services helped us with our original loan and again with our recent refinancing. Marty and his team are excellent communicators, efficient, honest, and friendly. CMS is our first stop when shopping for loans or refinancing. read more

We went to CMS for a refinance loan. They explained every step of the way and made it easy to understand. They helped us find the best rates available, with options to choose from. The whole process was quick and painless, thanks to the CMS team! read more