Personable and helpful with a custom loan for each individual's needs. I'm pre-qualified but I haven't found my property yet and its no problem as the money will be there when I make my offer. read more

10/10 would recommend. We were first-time homebuyers and we worked with Lauryn F. and her team throughout the whole process. If you don't read anything more, stop here and ask for Lauryn. What stands out most to us about Lauryn was her knowledge sharing, promptness, CLEAR communication, and just general bedside manner. We had an interesting thing happen when we were in escrow and she was with us every step of the way with helpful information. Like the other reviews here, Laury at CCL is great and we'd definitely use her again and recommend her to any friends or family that are in need of a loan. read more

Mike Poyntz was extremely dedicated to getting our loan to the finish line. For a multitude of reasons, it wasn't easy but Mike stayed the course. And he did it with a great sense of humor and kindness. All the people they used along the way were great to work with! Very thankful to Mike! read more

10/10, would absolutely recommend. I'm the woman with a million questions, because I believe knowledge is power and won't follow someone just because they say so. Lauryn was FANTASTIC. Answered approximately 1 million questions. Like I'm not kidding. She is so knowledgeable and loves to share and teach, which is important in the situation of purchasing your first home. My husband and I are forever grateful for her hard work, full communication, and patience. Lauryn and her team really know the ins and outs of the VA loan! She also saved us thousands of dollars, THOUSANDS. So there's that. She rocks! Love you Lauryn! read more

I had such a great experience refinancing with Mike Belezzuoli and his team. They worked through all the hiccups...finding other avenues to make this loan happen when we hit obstacles, assisting me at all times. Wonderful customer service with people who truly want to make it happen. read more

I had to take a non-traditional lending approach given my circumstances, but Lauryn guided me through the whole process - and probably worked way harder than necessary, to secure my loan. Great communication and wonderful to work with - thanks so much! read more

Mike Poyntz helped me get the family into a great house. We originally started looking in SLO county but eventually shifted to Northern California. I thought the location change would be an issue, but Mike handled it no problem. Mike was always available for a phone conversation and was generally good to talk to for advice on any financial issues even beyond the real estate transaction. I felt like Mike really took time and cared about us which was a great improvement from our previous lender experiences. I would recommend Mike Poyntz at Central Coast Lending. read more

Great experience with this Company! I highly recommend Lauryn for all your lending needs. Lauryn is really amazing at what she does, she's a great communicator, and explains the process to make it as easy as possible. I've been through several escrows in my lifetime and none have been as smooth as this one. She was also able to lock me in at a great rate! read more

Thank you Central Coast Lending for guiding me through the pre-approval process and treating me like a VIP! It was a privilege working with you in autumn 2020 and I would gladly recommend your services to others. read more

Big shout out to Lauryn Francisco for making it happen for my family and I. We had a few interesting situations with paperwork throughout our home purchasing (not because of Lauryn) and Lauryn took care of it like a champ. She gave us a lot of confidence in purchasing our first home and couldn't have asked for a better experience. Always readily available and a great teammate. I highly recommend Lauryn Francisco! read more

My wife and I worked with Pat Carter, and it was the easiest process. We were first time home owners, so he gave us tips well before it was buying time and he helped us pull the trigger the moment we found our house. We got the house, we got plan much gratitude from the selling agent, and we closed nearly a week early. I would highly recommend you give Pat a call and refer your friends and family to him- the guy knows his stuff. read more

Very, very, very, happy with Will Barnaby at Central Coast Lending. We were in escrow for three months, denied by two lenders, then met Will. He stood out from the rest as someone who was knowledgeable and professional and he got the job done. We closed escrow and are now living in our home. I highly recommend working with Will. read more

Pat Carter is efficient, knowledgeable and very prompt. Communicated articulately in all communications and was thorough throughout the review process for my loan. His phone is always on and he isn't the typical 8am-5pm Loan officer /representative . Professional in every aspect of the process of applying for a re-finance loan. Pat was recommended to me by a family member who had experienced great customer service and I was not disappointed with Pat at all as he is customer focused. read more

Mike (Michael Belezzuoli) once again has helped us refi our house to take advantage of lowering interest rates. Mike has helped us out with two home purchases and multiple refinances. Always smooth and easy compared to the competitors. The whole team at Central Coast Lending is professional and reliable. There's no question that these guys are the ones to use for home purchases and refinances etc. on the central coast. read more

Lauryn Francisco was incredible to work with. Beyond our expectations in every way. We are so grateful we found her! Thank you Lauryn for all of your hard work we really appreciate it!! read more

Lisa Renelle is the best! She is ethical, prompt, thorough, and understanding. I have had the pleasure of working with her several times and it is always an easy fluid process. Thank you :-) read more

Doug is the BEST!!! Very knowledgeable. Always available to answer your questions. If he didn't know the answer he would find out quickly. The whole process was extremely smooth. Would definitely recommend working with Doug at Central Coast Lending. read more

Working with Jason and Team has been a dream! We stumbled into Jason's office fresh out of college with no idea where to start in the home buying process. Jason gave great feedback and within a few years we purchased our first home. We've since refinanced and purchased a new home with Jason's help. We can't recommend the Central Coast Lending team enough! read more

Excellent company to work with, my contact person, Bob Moss. was absolutely the best! Will recommend this company to anyone who is looking to refinance. Bob, thanks again for the great job! read more

My wife & I recently startted our new home buying by talking with Jason from Central Coast Lending. He took us through the whole experiewnce with straight talk and really good advice. He helped make the numbers work for us and helped make a confusing process understandable. I highly recommend Central Coast Lending and Jason in particilar. Thanks guys! read more

I can highly recommend Heidi Kimbrell for her work with my on a refinance recently. She walks you through each step, breaks it down in easy to understand language and keeps you in the loop the whole way! She anticipated questions before I even had a chance to ask, because she's been doing this for so long she clearly knows exactly what to expect. When we hit a couple of minor paperwork hiccups, she had options and solutions that solved the problems quickly and painlessly. Central Coast Lending has some decent online tools which makes signing many of the required docs fast and easy. Overall I can highly recommend them and especially Heidi! read more

Marilyn Moreno at Central Coast Lending is the best. I've worked with Marilyn since 2003 -- that's 19 years -- and have done nearly two dozen purchases and refi's with her, even when she ran her own business. She has always come through. She's always given me rock bottom pricing when it comes to rates and fees. Even when I've shopped around at other mortgage brokers who came highly recommended by my friends -- no one could touch Marilyn. Not only has she sometimes compromised her own compensation to meet original expectations in an everchanging mortgage environment, she is a crackerjack problem solver. On my most recent refi, I frankly did not think that the loan would happen because I recently retired and did not have a traditional W2 to show income. But, Marilyn knew how to satisfy the underwriter and worked my application like a pro. As with previous transactions, I saved significant money with this refi. I am so grateful to Marilyn and her team. Highly, highly recommend! read more

What a great refi experience from start to finish. We were referred to Michael Poyntz by some friends and it worked out perfect. He was great at communicating via text and email, and he picked up the phone anytime we had more detailed questions. We had a few curveballs along the way, but Michael had a solution for everything we brought his way. I would gladly refer my friends and family his way. read more

Jason has helped us with one purchase and two refis over the past six years. He has always been patient as we gathered our documents, and been willing to discuss any and all options. Closings have been smooth, with no surprises. We appreciate that we can talk to the same person throughout the process. Definitely recommended. read more

Jason was a rockstar. He was patient with all the questions we had as first time home buyers, and supported us through the entire process. We were referred to him by our fabulous realtor, Christie Giaquinto, and they were a great team. 100% recommend. read more

CCL is the best! I have purchased two homes and have done one refinance with them and I plan to use them for my next investment. They are always very professional but their communication style is so easy that I feel like I'm talking to a friend and can ask any question along the way. My favorite thing about CCL is that they prepare, prepare, prepare. They push me to get all my documents in early so that as we move through the process there are no delays. From the first day I let them know I'm buying a home until a week after closing, I hear from them. They ask me questions, send me lists, communicate the schedule, talk with my agent, and even send me reminders when I forget to submit something. They are exactly the kind of team I need to help me with my projects. Dan, Alli, Jason, Melanie...thank you guys, you're the best!! read more

Just wanted to say that Pat Carter is the most amazing Loan Officer ever! We've been working together for the past 3 years and he has helped me multiple times with my first home loan to refinancing process. Every single experience has been WORLD CLASS! Most individuals are stressed during this process "because it's a BIG transaction" but when you have PAT as your Loan Officer, it's a walk in the park. Literally! He does the stressing for you! As far as Central Coast Lending "the business" it has been a great experience as well. Everything about them has been WORLD CLASS that even my younger brother currently is in the process with Central Coast Lending with Pat Carter for his second home purchase! read more

Never on the same page with us, alternated between adversarial and lackadaisical in attitude. Lots of big promises with little or incorrect action, including saying they sent our transfer request when we found a better, faster deal when in reality not sending it as confirmed by the bank. I called the bank, after being told by our rep that it wasn't possible to directly contact them, to inquire on the status of the transfer of our FHA to another lender and had what took ccl a week to NOT finish handled in 2 minutes. They have folks working there who do really well and are the reason they've enjoyed a good reputation. However, our representative told his boss one thing as indicated by misinformation contained in owners response to our concerns and told us completely different things over the phone or by text. He was the sole reason closing on our home was delayed. read more

Thank you for making buying our first home more understandable! We had lots of questions and CCL was always happy to answer them for us, no matter how big or small. read more

WOW totally blown away by their service. Amazing amazing amazing!!!!!!!! Will went above and beyond our expectations today. He was so willing to help us, and we feel confident in him that this whole process will work out. It was so nice to have someone really look into all possible options. I would highly recommend Central Coast Lending to anyone. Such a wonderful experience. read more

Central Coast Lending is a team that gets things done, a pleaure to work with. Very pleased with Lisa Renelle. She has worked with us on a couple different home loans and it has been a breeze. Thanks again!! read more

Really enjoyed working with CCL and especially Mike Poyntz. Mike really took the time to understand where we were financially and showed us multiple options for what we could afford. He also really understood our timelines and was also very attentive to questions that we had or things that we needed to clarify. As first time home buyers I can't say thank you enough to Mike and the rest of his staff to make our first home buying experience as easy and painless as possible. read more