My wife and I were looking to purchase our first house about a year ago and we were unsure how much…read moreof a loan we would be approved for. We kept blindly looking at houses until we met Iranga and he gave us a calculated estimate of the loan we would get based off our income, other payments, etc. After finding the house we wanted to call our new home, everything else was a breeze with Iranga's help. He made sure that everything was ready to go well ahead of time before we put in our first offer and thoroughly went through all the financial paperwork with us as we neared closing the deal. Iranga was also readily available anytime we had questions and definitely made the process a lot easier. Fast forwarding to today, we just refinanced our house and Iranga came through once again. Told us how much we needed upfront to put down for the refinance and broke everything down for us so we know exactly what we are paying for. Iranga did an amazing job and made life a lot easier for us!

I recently closed on my first home utilizing the services of Pacific Lending and Mr. Dehipola. As a…read morefirst time home buyer, I was not experienced in the complexities of obtaining a mortgage loan and purchasing a home. Having recently completed the process, I have so much more respect and appreciation for the work they do. I say this because of the guidance and support I received from Mr. Dehipola. Mr. Dehipola went above and beyond. He assisted me in getting prequalified, processing my loan, and explaining every step of the process in detail. Additionally, he fielded many of my phone calls/text messages throughout this process. Mr. Dehipola worked tirelessly to get me the best interest rate. He also advised me on the estimated closing costs and how much closing cost credits I should ask from the seller. He ran dozens of payment scenarios and even helped answer my questions during non working/weekend hours. He did all of this graciously and with kindness. Not once did I feel he was frustrated or annoyed with the amount of questions I had, or the number of times I contacted him. He is a pleasure to work with and I feel extremely fortunate to have worked with Mr. Dehipola and Pacific Lending.

Elite Global Lending was recommended to me from a friend. Lisa help me get a refi. She is very good…read moreat what she does. I think I had my faith in her the whole process. It was a lot of unknown and at times, it felt like the whole process would fall through. But, everything worked out in the end.

I called around and this was the rudest broker I had the pleasure of calling. After sending…read moredocuments I didn't hear back for months. She barely responds and is seemingly always busy. When I finally got a chance to talk to her she started screaming at me. Use this company if you like being abused.

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.

We have worked with SB Home Loans twice in the past ten years. Each time it was such a positive…read moreexperience. Aide and her staff is very professional and communicates every step of the process. This past time we had decided to work with our existing lender thinking it was going to be easier, boy we're we wrong! Aide ended up putting together a great refi package for us twice as fast as our current lender ever could. I would highly recommend her services.

My Husband & I have worked with Aide on several occasions & can honestly say that she has always…read moreworked diligently to close our loans timely & get us the BEST rate possible. We highly recommend SB Home Loans to all who are looking to purchase or refinance.

I have known Diane Luongo-Gazich for 16 years and have the utmost trust and confidence in her…read moreexpertise and abilities to provide the best rates and painless process whether it is a loan for purchase or a refinance. Diane's attention to detail and understanding of what the lenders are looking for in order to ensure the most favorable terms is one of the many qualities that put her on a level that has no competition. I recently applied for a loan through Diane in order to take advantage of the low rates available and she was able to work with me to navigate through unique challenges due to my occupation income as well as working with a solar power system lender to complete the process in record time. Thank you, Diane! My family and I are your biggest fans and will be clients for life. Call Diane at (714) 349-8890 or email diane@c2financialcorp.com

Had the pleasure of working with Diane AGAIN! She is such a professional and really knows her…read morebusiness. The process was easy and fast. I was able to refinance at a much lower rate. This is the third loan Diane has done for me and I'm sure it won't be the last. Wouldn't deal with anyone else. Jill Bogle

Sandra is super knowledgeable and has all the qualities you'd want in a lender! I was so impressed…read morewith how creative she was with how to help my friends in their quest to qualify and purchase a home in this crazy market. I really appreciated her taking the time to educate me on the things that I had no idea of so that I can ask better questions going forward. Sandra truly cares about you and I love that she always just "gives it to me straight."

Between the housing market and rising interest rates, so much is changing in the real estate world…read more Sandra is totally on top of everything that is happening and is so great about explaining it all. If you are in the market for a home loan or need to refinance, I highly recommend that you give her an opportunity to help you!

Alan from first lending solutions helped me and my husband out tremendously with regard to securing…read morea mortgage/VA loan with a low rate. Considering that market rates were above 7%, when we were going through escrow, with Alan, we were able to secure a rate significantly lower. Our closing costs were also lower than anywhere else we had looked. The communication from Alan and Wendy, the closing manager, was almost instantaneous every time we had to submit or sign documents or if we had any questions. I had a really great experience, and I'm so glad that our realtor recommended that we work with them for our mortgage. I highly recommend working with first lending solutions if you're looking to buy a house. Also, this is a veteran owned company, with Alan being a Marine Corps veteran, so it was really awesome to be able to support a veteran owned company to get our VA loan.

It was a pleasure working with Becky Matus and her team. She was quick to answer any questions and…read morehelp make it a smooth process. I would recommend her and her team for your lending experience.

Judy is truly amazing! We thought that rocket mortgage or Chase have the best rates, but we were…read morewrong. Judy helped us secure a better rate and advised us to lock which we did. We are glad we listened to Judy's advice. Judy helped every step of the way. We were late on securing our loan, but she helped us with our application will into the late night. She always made herself available to answer our questions. Also, we ended up closing early as well. The entire process is stressful, but Judy made our closing smooth and seamless. We felt supported every step of the way. We're incredibly grateful to have had her on our side and highly recommend her to anyone looking for a knowledgeable and hardworking professional! Thank you, Judy !

Judy is the best loan officer, period. The paperwork to…read moreapply is simple. The process is easy. And Judy will guide you through and keep you updated. There are many available programs to choose from. Judy customizes it to fit our unique needs. Very flexible. What's even better? She really keeps her promise! If this is no point no fee, even the credit check fee will be refunded! We did our original purchase and 2 times refinance with her over the last 2 years! Will do it again once the rate is lower more!