The first time I was introduced to Babak was in August of 2016 during our first home offer. In comparing, CPLC rates were significantly better tha 5 other lenders I reviewed. When the home purchase fell through due to other reasons, I kept Babak's contact in mind for future offers. Life happened and we were out of the home market for a while, but during that time, Babak kept us on his mailing list so we could be updated on how the housing market was doing. Forward to September 2021 and we were finally back on the housing market. We found one that we liked and checked with Babak along with a few other recommended lenders for rates. Only Babak and one other lender asked more questions, which showed me lenders just throwing out "low" rates vs those actually working to give the best rates. But Babak took the edge due to timelier responses; never having to wait more than a business day. This was crucial because of how hot the market was at the time with offers being reviewed within a week. Pre-Approvals and Desktop Underwritings needed to be included, so that Sellers would not reject offers due to questionable loans. So I asked Babak if PAs and DUs could be completed to include with the offer and he worked diligently to provide them within a day (that evening actually). Unfortunately, we were outbid and the next offer was a similar scenario where the sellers were reviewing offers within a week. Babak promptly delivered the PA and DU within a day, and again our offer was rejected. This vicious cycle happened a total of 12 times over 10 and a half months. But I can impressively say that all the offers had PAs and DUs included. Babak would often follow up and when we broke the news to him, he would reply with encouragements like "Hang in there!". These were great, especially when you just lost the opportunity to purchase a great home and you start wondering if you'll ever buy a home. In July 2022, we finally found a home in a new community and were ready to move forward with our home loan. The Builder's Home Loan Department gave us their rate first since we had to prequalify through them and assured us that their rates were the most competitive and that shopping around would be pointless. The Builders Loan Agent (BLA) said they would include a possible builder incentive (cashback), a 1pt reduction from the interest rate, a 120 day rate lock, and a rate renegotiation at the date of closing (if the interest rates had dropped). I took that information back to Babak and after he reviewed the home and finance details, advised that even with the 1 point reduction, the BLA rates weren't competitive at all. He could easily provide the same rate with 0 points and urged me to verify if there were any actual builder incentives, additional fees for the renegotiation, and to be cautious of any inquiries that were taking long to answer or being ignored (meaning they may be hiding things). I took Babak's advice and emailed the BLA and all that advise bore truth when after WEEKS of waiting for a reply, the BLA finally responded that there were NO BUILDER INCENTIVES AT THIS TIME and that A RENEGOTIATION WOULD INCUR A HALF POINT FEE! When I asked why this was not told to us up front, he stated that IT WASN'T COMMON PRACTICE and HE DIDN'T THINK HE NEEDED TO MENTION IT. While this was all occurring, Babak was already working on getting me a 90+30 day rate lock, closing date renegotiation with no fee, and sending me the interest rates twice a day! Even more so, Babak didn't use force to pressure me into doing business with CPLC. He sent one kind reminder that he had been providing services to me for many months and that he was really looking out for my best interest. I wholeheartedly agreed, but just asked for his cooperation as I explored the builder home loan option for due diligence. His reply was that of a true professional... "Completely understand. Will wait to hear from you." He didn't push me into a corner, he didn't bully, and he definitely didn't guilt me to move forward with him because he had provided 10 months of service to me at all hours of the night. He showed true UNDERSTANDING and PATIENCE! When I decided to go with Babak and told the BLA the rate quoted, he replied with, "THERE'S NO WAY! YOU HAVE TO SHOW IT TO ME IN WRITING! EITHER WAY, WE CAN MATCH IT! JUST GIVE IT TO ME IN WRITING!" At this point I was done and replied, "Why would I go with you to 'match the offer', when MY LENDER already did all the work?!" From that point forward, everything was smooth sailing with constant communication from Alissa and Babak. Even after dealing with Builder delays and our rate lock nearing expiration, Alissa kept calm and helped us stay calm. When the final approval was received and we only had 5 days before the rate lock expired, Alissa rose to the challenge and finished everything we needed in 2 days! Definitely recommending my friends and all of you to talk to Babak and Alissa! read more

Babak has guided us through escrow on our first home and was on top of things when it was time to refinance for the first time. He is professional, knowledgeable, incredibly prompt and an overall a pleasure to work with. Not to mention he has help save us thousands of dollars! 5 stars! read more

Working with Babak was one of the best parts of my home-buying experience. From our very first call, he was patient, clear, and incredibly knowledgeable. As a first-time buyer, I had a lot of questions and occasional worries, and Babak walked me through every step with honesty and calm confidence. He was always available, quick to respond, and proactive about anticipating what I might need next. Every timeline and estimate he gave me was spot-on, and I never felt rushed or pressured--just supported and informed. His professionalism and genuine care made the process not only smooth but actually enjoyable. If you're looking for someone who combines deep expertise with true integrity and heart, Babak is the person you want on your side. I can't recommend him highly enough. read more

Our experience with Charter Pacific Lending was amazing. We worked with Babak to identify our loan amount, all the necessary paperwork, and successfully secured a loan with a great interest rate all within a 21 day closing period. Him and his team were so professional, helpful, and communicated everything we needed in a very timely manner. I highly recommend Babak and his team for securing a loan. He is really smart and made sure we were well taken care of. We will continue to work with Babak and his team to refinance or to secure another loan in the future! Thank you so much Babak and Tyler!! You made this process so easy for us! read more

We've worked with Babak twice now -- first when buying our home in 2023 and again for our refinance -- and both times he made the process smooth and stress-free. He takes the time to explain everything clearly, looks out for your long-term goals, and makes you feel like more than just a client. Couldn't recommend him more! read more

If you are looking to refinance, Babak is the person to call. He provided us with everything we needed to start the process immediately and kept things moving smoothly. What impressed us most was his responsiveness; he was always there to answer our questions without delay, even during off-hours. He is knowledgeable, friendly, and made us feel like a priority. read more

We have used Babak and Charter Pacific for two mortgages and a refinance, and I would happily use them again and again. Truly incredible service. In a very stressful, overwhelming transaction, Everything was clearly explained to us and we felt taken care of every moment. Babak and his team go above and beyond what I'd ever expect- working for us at hours I couldn't believe. Truly stellar service, would recommend in a heartbeat to everyone. read more

I can't say enough great things about Babak and his team. I've known him for years, was finally able to purchase a home 2 years ago and just completed a refinance, all with a very complicated financial history. I don't think I could have done it without Babak's help and guidance. He is immediately responsive to any communication, very knowledgeable and professional, very patient and empathetic. He was able to get my refinance pushed through at the last minute, with a great rate and no cost. I would not hesitate to recommend Babak and Charter Pacific. read more

This is a great company to work with. Mr. Babak Moghadam helped us with a reverse mortgage. Although reverse mortgage is a complicated process, Babak was great, made it easy and delivered above our expectations. We definitely will work with him again in the future and recommend him to all who might be seeking a financing or refinancing. read more

Charter Pacific Lending did an amazing job helping me through the purchase of my house. This was the second time I have worked with them and will be their customer for life. The team did an excellent job addressing all my needs and concerns throughout the home buying process. I have recommended them to all my friends and family and would encourage anyone to use them! read more

Babak and his team just helped us with the purchase of our home. We had a terrific experience thanks to Babak's professionalism, knowledge ,efficiency and dedication! We highly recommend Mr Babak and his team at Charter Pacific !! read more

I had a recent experience with Babak and his team at Charter Pacific Lending. We had a deal with a short closing period and Charter Pacific delivered on time and without drama. They are honest and hard working. I would give them 10 stars if I could. A group of professionals to deliver the best product possible in the most efficient way. read more

I got a residential loan for my first property through charter pacific . Babak and his team were really great in guiding me step by step for acquiring the best rate and condition read more

Babak is wonderful to work with. We had an exceptional experience buying our condo thanks to Babak and his outstanding team. I Strongly recommend working with him to find the perfect rate for you. He stays on top of everything, ensuring that no detail is overlooked. His sense of urgency and commitment to his clients' needs make him an exceptional Loan Officer. One aspect that stood out was the speed and efficiency with which his team operated. They not only met all our deadlines but often completed tasks ahead of schedule. Thanks again dear Babak for everything. read more

HIGHLY RECOMMEND!! I've worked with Babak and his team from refinancing my condo to purchasing a new home. Every step of the way was stress free and helped us close on time. I won't hesitate to continue to work with Babak and recommend him to all my family and friends. read more

Babak Moghaddam got my loan fast and smooth. He was on top of everything and knew the best approach in every step. I can't be happier... His assistant, Alissa, was always very professional and super pleasant. I highly recommend Charter Pacific lending. read more

Babak and his team made the entire dreaded mortgage process a total BREEZE!. Starting all the way from pre-approval stage to the end when my loan was funded, Babak was with me in every stage (response time unbelievable) and explained everything very patiently and thoroughly. He is extremely knowledgeable, professional and proficient. I can definitely feel that he cares a lot about his clients. I will absolutely recommend his firm to all my friends and family. read more

Babak was amazing to work with, and great at what he does. He helped throughout the entire process and made things super easy on our end. We definitely recommend him! read more

Thanks to Charter Pacific Lending Corp, we are now proud homeowners, and we couldn't have done it without Babak and the entire team's support. If you're in search of a mortgage lender who truly cares about your success, look no further than Charter Pacific Lending Corp. They have earned our trust and gratitude, and we wholeheartedly recommend them to anyone embarking on their own home buying journey. read more

We were so happy with Babak throughout the whole process. When we were home shopping, he was so responsive and helpful with the process and always available on short notice to explain things like the paperwork needed or more complicated real estate things like what it means to waive the appraisal contingency. We would always hear back from him so quickly. During the escrow process our escrow officer and realtor were both pretty flaky, but with Babak and his loan processor, Alissa, on our side, we felt so supported because we knew they were watching the whole thing and keeping everything moving! We got our loan way faster than expected and closed our escrow ten days early with a fabulous interest rate. I could not recommend Babak and Charter Pacific more highly. This process is such a stressful one and Babak made everything so easy and seamless. He was responsive, communicative, and helpful in every way. read more

Babak and his team are simply the best. Their communication and knowledge helped us close escrow ASAP. They were always available to call and answer any questions we had. Can't wait to to refinance with them! Thank you!!!! :) read more

Babak and all the team did an amazing job! Very professional, knowledgeable and focused on a client's needs. We had a very tight time frame, needed to close our escrow really fast. Babak & his team did the job in no time. We love our new home and definitely recommend them! read more

I have worked with Babak since buying my first home 20 years ago.  He has helped me with new mortgages as well as refinances over the years.  He is warm and easy to deal with and also incredibly professional, organized and trustworthy.  And he really knows the loan market and works to get the best rate for his clients.  He and his associates always make the process smooth and stress-free.  I wouldn't go to any other mortgage broker! read more

Working with you folks was similar to experience with a swiss-made watch...precision, accuracy, reliability and trust worthiness to name a few... Many Thanks for making my refi process headache/hassle free...also, for great customer service, timely updates and prompt replies to my emails/messages to address my questions/concerns... read more

Working with Babak was a real treat, he makes sure that all your worries are addressed, explains all the process of the loan and dose his best to get you the best loan, I'm extremely satisfied with his work and will definitely use him again, read more

I've never used Yelp to review but I am absolutely compelled to commend Babak for the INCREDIBLE job he's done in guiding me throughout my mortgage process. I'll start with the spark notes: (1) this was my first home purchase, (2) I am in my first year of practicing law (so I had an extremely heavy workload during my mortgage process), and (3) I was trying to close in the middle of a pandemic. Babak made what usually would be a tedious financing process a valuable and enjoyable learning experience as he was graciously committed to guiding me through each step of the way, making himself available at all times and promptly responding to any questions or comments I had. He touched based every day, from Day 1 to Day 30, he never missed a beat. I felt as if he was right next to me at all times, that's how quick he was. Obtaining financing can be complicated as it is so circumstantial. This is why it is extremely important to work with a broker who can think outside of the box and prompt creativity. This is your GUY. Babak has perfected the art of a service led business and more so mastered his technology to replicate this. Charter Pacific's platform for uploading documents and accessing information is innovative, informative, and seamless. Babak's guidance, expertise and professionalism is consistent and impeccable and the resources he's crafted to provide knowledge to his clients are invaluable. Babak got my loan approved IN 30 DAYS at the height of unprecedented global instability during the COVID-19 pandemic. He is a true artist of his craft. Babak, Alissa and the rest of the team at Charter Pacific are quality human beings who take immense pride in their work and welcome you to their family. What a pleasure it was working with them. I look forward to many more experiences together! read more

Babak is the best! They are on top of everything, organized, and made the process smooth and stress-free. Thank you!

I worked closely with Babak and his team and they made the entire home buying process so smooth. They made sure I was informed every step of the way and checked with me about all the vital decisions before proceeding. read more

Awesome team and very knowledgeable. Easy to reach out to for any queries. Highly recommended.

My husband and I wanted to refinance our mortgage. We wanted a company that we can trust, provided excellent service, and was very well versed in the field. We are referred to Babak and his team from our real estate agent. Once we saw the 5 star review on YELP, we for sure wanted to go with this team. After our first conversation with Babak, we knew he was the right fit for us! From the very first email to the last, the communication was AMAZING!! Communication is VERY important to us, and they went above and beyond in that. Babak and his team were so quick with their email and phone responses. We never had to wait less than a day to hear back. It was almost always right away! When you are going through a anticipated stressful process, you want a company that can help ease all that. The whole process was smooth. We never felt worried, (if we were, Babak and his team always guided us , answered questions, and helped us). We were very happy with Babak, Sarah, and other team members. We will for sure recommend Babak and his team to all our friends and family. Thank you team!!!!!! You guys rock! read more

We used Mr. Moghaddam for the mortgage on our home purchase in 2016 and a refinance of a previous property at that same time. Of all the players in that home buying experience -- realtors, inspectors, etc. -- he was the only one we'd ever use again or recommend to anyone else. This time around I did get competitive quotes from another broker, but their rates and fees weren't any better and their process was comparatively error-prone and slow. I was waiting overnight for a manager to review something over there when Mr. Moghaddam emailed to say our application was ready to send to underwriting (and with a slight drop in the rate!), so at that point the choice was easy. We were frankly surprised to get email communications from Mr. Moghaddam and his team late into the evening, but with rates fluctuating around all-time lows, the application process was time-critical and they were clearly putting in extra hours to get things done. This was a A-1-level experience from beginning to end; it would be wonderful to find other professionals performing at this level of competence to rely on for other areas of our lives. read more

Babak and his team at Charter are great! As a first time home buyer, they made everything smooth and easy. Would highly recommend their services. read more

This was my first time working with Charter Pacific Lending and I couldn't be happier with my experience. From beginning to end, the process was very smooth and effortless. Babak was always a phone call away and answered ALL my questions quickly, and I asked a lot! He was very patient and attentive throughout the process. Buying a home is so stressful, but working with Babak made it so much easier. I would highly recommend working with Charter Pacific Lending if given the opportunity. read more

As a realtor, I have always recommended my clients to work with Babak as he is big on education and always clarifies any questions/doubts for the buyers. Buyers can confidently navigate an unfamiliar process with a partner like Babak. As a recent first time home buyer, Babak and Chart Pac were an absolute pleasure to work with. He is a professional who makes you feel extremely supported. He was always timely and tentative to our needs and had a positive attitude. Even after we closed, he made sure to reach out and sent us a lovely present to congratulate us. There is no one else I would rather work with than Babak. I highly recommend his services. read more

Babak and his team were wonderful and we had a great experience during the refinancing of our home. He answered all of my questions and everything was done swiftly and with no issues. Even though we never met in person there was never any confusion or difficulty. I highly recommend his services! read more

Recently I had my loan work done with mr amir Nader at charter Pacific lending . He was very professional ,and helpful , most loan documents were ready ever before the due date . Great job Mr Nader . read more

Babak and his team are extremely knowledgeable. They were able to get my loan approved and closed in less than 30 days on a house that we were looking to close in an aggressive amount of time. They also got us a great rate. Their entire process is automated through a secure portal where you can upload your documents and check status of any remaining open items. Babak also provided valuable advice as we were going through the negotiations process. This is exactly the expertise you need. read more

We worked with Charter Pacific Lending Corp. for couple loans. We worked with Babak Moghadam and his team. They're very responsible and professional in their business. They walk you through every step of the way and follow through to make sure your Loan gets the best possible results. We definitely give them 5+ star!!! read more

This is the 2nd time I've used Charter Pacific for a home loan. First time was a refi. Most recently I went back to charter pacific for a new home purchase. Both times I had constant communication and an abundance of help through the loan documentation process. I was amazed that a New home loan could be completed in 30 days; in fact we could have closed early if we wanted!! They have the process down. Babak was able to find me the best loan for my situation and Sara went the extra mile to drive 100 miles round trip to facilitate the signing of closing documents. Needless to say, I will return to Charter Pacific if and when I again have the need for a mortgage broker. read more

Working with Charter Pacific Lending Corp was an absolute pleasure. As someone who's already gone through the refinancing process multiple times, I cannot overstate how amazingly smooth our refinancing process was. We've worked with enough service providers to see the difference that makes the difference. You'll be in great hands with Babak and team for your refinancing needs. You'll see nothing but integrity, care, promptness and professionalism. read more