We have had several homes which KD Capital Mortgage financed or refinanced for us. Kim Rivas and…read moreMonica Stephenson have always worked so hard and obtained great rates for us. We highly recommend them as the best mortgage company in town.

Our experience with KD Capital was outstanding, memorable, and 100% positive. Kim Rivas is an…read moreexpert in her field and leads an excellent team of professionals. Monica Stephenson her assistant provided top rate service, support, and peace of mind during a significantly meaningful time for us. We were given frequent updates, insights, and supportive and patient answers to all our questions. New to both the area and the home buying process, we were incredibly fortunate and blessed to have KD Capital on our side. KD Capital was dedicated and committed to our success - we know this because of how they made us feel during every interaction or conversation. We now own a beautiful house just within 30 days of our touring the very same house we wanted at first sight - and one day earlier than the estimated closing date. We are incredibly grateful for this beautiful house, and it was KD Capital who made sure we crossed the finish line!

I qualified for a loan with a 850 credit score as a single Mom in 2012, I trusted Tyson but he…read moresold me a predatory loan after a 30 day credit check. I finally confronted him over a decade or more later to explain how his deliberate actions affected my family and he was a salesman and wouldn't even talk to me about it. I was hoping he would respond as a local businessman who truly cared about his clients but unfortunately that is not how he responded. I trusted him and he took advantage of me and my family and chose money and the deal before his clients.

We have known Tyson for some time and he is serious about helping you with your mortgage or…read morerefinancing. He is so knowledgeable about what loans are right for you and your needs. He gets to know you and effectively works on getting you the best deal, the best rates and financing you can afford!

Christa is what I would describe as above and beyond professional. She came to my lending company…read moreafter another lender had left her and her borrower in the lurch. Time was running out. The borrower was about to lose the property. It was already in escrow but the other lender ate up a lot of the time. We worked together like a well oiled machine. If we asked for something it was in our hands within 10 minutes. She answered every phone call, every text and every email in record time. We were able to get the deal done with hours to spare thanks to her diligence. I highly recommend.

We just closed on our new home last week, and I cannot express enough how happy we are with…read moreChrista. First, she really knows her stuff. There was very little she didn't have right off her fingertips. Two: She ended up getting us better terms, more credits, and everything, even when we hit a small bump in the road. Everything was perfect and we closed right on time. My wife and I are thrilled to no end. If we ever need another home loan, we will only make one call.

Kathy made herself available, on a Sunday, to walk me, a first time home buyer through my mortgage…read moreapplication over the phone. She was patient and super helpful with everything. Kathy made sure I understood each step in the process. Kathy was wonderfully communicative through email, text, and phone calls. I felt completely supported through the whole mortgage loan pre-approval and approval stages. You want Kathy in your corner for your mortgage-she is fantastic!

Kathy is one of the hardest working individuals we've ever had the pleasure of working with - she…read morewill inform you every step of the way. We've come to her twice already and are impressed with her work ethic. Highly recommend :)

Sam was the best. He kept an eye on the process at each step and resolved problems as they came…read moreup. Sam is a very knowledgeable mortgage profession. Thanks for a job well done. ladonna

Mary Trudeau and her team in the SLO office are truly amazing and professional. If you have a…read morecomplex real estate transaction you need to obtain your loan here! Her years of experience and knowledge are invaluable.

Mr. Austin assured us in our initial consultation that our loan, while a bit tricky, should be able…read moreto be completed in 6 weeks. From the time we turned our loan docs in to the time we got so disgusted with his lack of communication and empty promises when he did bother to respond was 5 MONTHS. We went to another local loan broker, KD Capital, and had our loan finalized in about 10 days. I would never recommend Mr. Austin to anyone looking for a loan. Ask Realtors and Title Company Escrow Officers about him if you don't want to take this at face value.

When we were looking to buy our first home we wanted to make sure we had a low payment. We had…read moreheard of horror story's on some of our friends loans. We asked around if any one new a great mortgage broker. More than a handful of people kept bringing up the name Chris Austin. We gave him a call and he had us approved with a low interest rate we couldn't believe. Chris made everything so easy. He had us wait till the rates would drop and then locked it in. We will recommend him to whoever asks us if we know a good loan guy. Thanks Chris, for everything.

Simply amazing! John was the best. We were trying to get a loan for our home and we had very…read moreunusual circumstances. John worked hard after hours and even over the weekend. He pulled every string imaginable and he got us the loan and now we are in our new home! I can't think of anyone else who I'd recommend other than John Samsky. Thank you so much! Also, a pretty cool guy.

In the midst of the Covid-19 pandemic, my wife and I looked into buying a new home. Not because we…read morewere financially sound or because Mars was in Gatorade or whatever. Simply because it was in our best interest to move from the property we were at. We consulted a local realtor who had us call John Samski III at KD Capital. Now, I always admire someone who picks up the phone the first time you call them. That's what John did. From the start he was very informative and knowledgeable of all the loan products that were available to us. He walked us through the process, which was new to both my wife and I, and always took the time to explain what everything meant. We had a particularly long escrow which was nerve-racking. But John kept us abreast of everything that was going on and was patient and accommodating. John is as competent as they come and should be the standard by which all others are measured. The other day my wife and I were hanging out and out of nowhere she says..."Dang, I kinda miss John Samsky and his daily phone calls..." That's an impression not many make!

A most professional and competent company. They guided us through our options and and assisted us…read moreat every turn. we would highly recommend them.

Wow!!!! Cannot recommend them enough! The team at Equity Reach really went to bat for us. Because…read morethey are so knowledgeable in their industry, they helped us get the perfect financing for our home :) if you want a team to advocate and fight for you, it's them!

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

10/10 would recommend. We were first-time homebuyers and we worked with Lauryn F. and her team…read morethroughout 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.