Mr. Chris Wagner is one of the top 2 Loan Officers I have worked with over the past 30+ years. As a former Loan Processor (working directly with Chris) and Underwriter, I can truly attest to Chris's abilities and care he gives to each and every client. Chris takes the time to meet with his clients, evaluates their home buying or refinancing needs, gathers the documentation needed and is a professional at all times. He communicates with his clients during the entire process, from application to the funding of their loan. Imagine how many folks that Chris has placed in not only their first home, but many after that!! Chris has "Staying Power," and experience in all types of financial markets. He has built his book of business on caring, experience, gaining knowledge and applying the ever changing guidelines to each client for their benefit. His mortgage knowledge is, well, "off the charts." In any given scenario, Chris has the ability to work with the Processor or Underwriter to remedy a scenario that may not be an easy one. He takes on the challenges and works through them, but to the client, it is "a walk in the park!! As a Branch Manager, Chris has the know-how to train and assist Loan Officers to build their own book of business and with hard work to be successful. read more

I have been a professional Realtor in the San Diego market for the past thirty-three years. I have known Chris Wagner for the past twenty-five years. When it comes to Lenders-I have very high standards-and Chris is the very best Lender I know. His customer service is second to none. He is truly excellent at what he does. He has great systems in place and sees loan problems before they arise-and when they do-he always seems to have a solution and handles them seamlessly-to the benefit of his clients. Delays in closing escrows, unfortunately, is a very common occurrence in our business-and often times this is a result of Lender delays. However, this is not the case when working with Chris. I have been quite impressed by his ability to not only close on time, but by the fact that he is typically ready to close early. Aside from all of these great attributes that Buyers receive when working with Chris-he is also an all-around great guy. He has a great personality, a friendly and caring approach that sets him apart from many of his competitors. If you are considering obtaining a home loan-or refinancing your existing loan, I can recommend Chris highly-and without reservation. Don Pelletier The Don Pelletier Group, Inc. 'One Home Sold-Every 4.5 Days For Over 30 Years' read more

It was such a pleasure working with Chris that I offered to write him a review to express my gratitude. Upon logging into Yelp I was not surprised to see FORTY TWO five star reviews here! He deserves every one of them and then some! Chris and Phil were phenomenal!! They make a great team!! Chris is an outstanding communicator!! Not only does he explain everything so easily but he's also very organized and thorough! Chris was excellent about following up and circling back around to remind us and make sure all our "homework" was done on our end. He has a very calming presence about him which was so helpful during the stressful process of buying, packing and moving! And Chris is so polite, what exceptional manners!! He was always so friendly during e-mail correspondence, always thanking me and saying it was a pleasure to help us etc. I know it might seem like I'm exaggerating, how could somebody be this good, call him up, you'll see what I mean right away! The customer service and knowledge are off the charts! I'm so thankful my realtor referred me to you Chris! I'll continue to use Chris in the future for any home financing needs! Thanks a million! read more

I sincerely wish I could give him 100 stars! To say that Chris and his team are amazing is an understatement. From the first phone call and throughout the entire process Chris was informative, helpful, and extremely patient with my questions and moments of panic. He was unbelievably quick to reply to my emails (like ridiculously quick, made me wonder if he had special powers) and made the entire home buying process so smooth. My real estate agent, who used to be a mortgage broker herself, was so impressed with him she referred a client to him. She even commented to me "where did you find this guy, he's awesome." He promised a smooth close and he more than delivered. The best thing about his company is they are a direct lender so you're not dealing with a middle man. He is the money! And I never once felt he was shady. He was kind, kept us within our mortgage budget, and genuinely seemed like he cared and was excited for our family. I would use him again and again, and when it comes time to refinance he will be the ONLY ONE I call! Don't hesitate, call him, I promise you won't be sorry. He and his team truly are awesome! read more

Chris and his team are the best in the business! I have used them now twice for funding to buy homes. As most people know, the process is long and tedious but you can rely on Chris and his team to never drop the ball. Here are some reasons why I recommend Chris to everyone: 1. Chris provides constant updates so that his clients are never left in the dark. 2. Chris keeps it really simple for his clients. (Other brokers will just send you forms and say sign these. That's when you ask: sign where? what is this for? why do I need to sign these?). Chris will never put you in a position like that. He makes everything clear and easy. 3: Chis goes above and beyond. Many parties are involved in the processes of selling and buying homes (e.g. realtors, loan officers, etc.). Chris stays up to date on all of it. He even monitors the other parties work to ensure that the situation best suits his clients needs. Look no further, Chris is the best! I guarantee you won't find anyone better, just look at his rating. read more

Chris is an excellent mortgage broker. I've worked with many mortgage brokers and Chris is the only one I am more than happy to refer to anyone I know in the market for a mortgage. At this point, I've probably done about five deals with him and I can honestly say his service delivery is consistently excellent. He and his team are incredibly professional, responsive, and diligent. They are 10-steps ahead throughout the process. They anticipate what needs to happen and are on top of things throughout. In my past experiences with other brokers, there seemed to always be last minute fire drills requiring me to pull all kinds of detailed information for underwriting (which in many cases should have been anticipated). With Chris and his team, these types of requests simply don't happen. it seems almost too easy. If not my review, look at all the other reviews. It's no wonder he's getting 5's across the board. read more

Chris Wagner has been my go to mortgage broker for over 20 years. He helped me with the purchase of my first home, second home, third home and finally the home that I live in now. What is great is that he can do Washington state loans, which made it convenient, since I currently live in Washington. I have heard horror stories about folks using other lenders and mortgage brokers. I have never experienced that. In fact, every time I have purchased or refinanced, the process has been worry free and hassle free. He is fair, honest and fast - a rare combination in the mortgage lending business. If you want the best in the business, Chris Wagner should be your only choice!! Thank you Chris for all your help and advice over the years! Sincerely, Keith Terry read more

Chris is BY FAR the best! Chris is extremely knowledgable, honest, hard working, and completely on his game 100% of the time. Anytime I email Chris for information, or help with a transaction, he gets back to me immediately. Having a lender who puts his clients first is key to making certain transactions move along smoothly, and as long as I have control over the issue, Chris is my go-to guy... hands down. When I am asked for recommendations on anything, I only recommend someone I would feel comfortable having work with my family and closest friends. Chris is it. I would never second guess sending anyone to him, since I know they will be taken care of like family. Thanks for all your help, Chris! read more

I have worked with Chris Wagner twice: once when I was buying a house and once when I was refinancing. Chris is always a pleasure to work with, and his expertise is impressive. He answered my emails promptly, and he went out of his way to explain various processes to me in plain language I can understand (I'm unfamiliar with much that goes on in the financial realm). He was always ready and willing to perform calculations to help me decide which avenue to pursue, and I had complete faith in all the advice and suggestions he provided. Chris never failed to deliver excellent results in a very timely manner, and I give him my highest possible recommendation. read more

Chris and his team have been great through multiple real estate transactions over the past 7 years. My husband and I were referred to Chris when we bought our first home in 2010. He clearly explained all of the complicated inner-workings of the lending process and we made it through! Fast forward to a few years later and he miraculously got us a pre-approval letter... on a Saturday, while he was on vacation, for our second home purchase. I have referred multiple people and never had a bad experience. They go above and beyond to make sure you understand what is going on and are prepared for what comes next. read more

I have been using Chris Wagner for 15 plus years and have done multiple transactions. He is with out a doubt the most knowledgeable professional I have ever used in the mortgage industry. As a previous owner of a large credit reporting company, I serviced hundreds of mortgage company's which is how I came across Chris. He was a client. From the first loan he did for me, I was convinced I would never use anyone else and would recommend him to my friends and family. So fellow yelppers, do not have any reservations about using Chris. He is honest and will work hard to close your loan. read more

5 stars on all points. Chris' communication was quick, and he made the process easy to understand. He had solutions for any road bumps we encountered, explained the details of the loan thoroughly and answered my multitude of questions with expert knowledge and relatable terms. Lastly, we wanted to close by a certain date and despite delays on my end he still managed to turn everything around with enough time to meet our goal deadline. Very impressed and pleased with his services. I would highly recommend him and would work with him again without hesitation. Natasha read more

I have worked closely with Chris for 20 years. He is honest, easy to communicate with and is able to get the best deal possible. Has access to most every kind of financing available. His experience in the industry is exceptional and he will use that to your advantage. He follows through with his commitments and communicates each step of the loan process, so you know what to expect. I strongly recommend Chris for your lending needs. I give his name out to all my friends and colleagues when they are looking for a loan. read more

Chris was a great pleasure to work with. He helped my wife and I navigate, as first-time home buyers, the financial aspects in a professional, prompt, and personable manner. We had many questions and were incessantly worried that we would not be able to be approved for a mortgage for various reasons. Chris and Phil were able to structure a loan that met our needs and now we are living in our own home with our 1 year old and two dogs. If you need a home loan, do not hesitate to contact Chris. You will not be disappointed! read more

All I can say about Chris is...top notch! I met Chris recently when his client (buyer) wanted to buy a house in Santa Cruz. As a real estate agent, I knew right form the start that I was dealing with a true pro. In todays fast paced digital get it done now world the lender is one of the most critical parts of the home buying process. Chris was very responsive and accommodating with me and more importantly with his client. I highly recommend Chris Wagner if you are looking for a lender who is a true pro! read more

This was the second time I had worked with Chris. When working with a loan, communication is the most important part to me. Chris did a fantstic job with my loan. I was delayed due to my own laziness and he was patient with me, answered all my questions almost immediately and gave me some great options. He advised me professionally. I will be working with him again in the future, in fact I specically told him to call me or email when rates went down in a year or 2. Great working with you Chris! read more

Chris did a fantastice job getting us refinanced, and he made the whole process seem effortless and painless! He was extremely knowledgable, always pleasant, and was able to clearly explain things throughout the process. It was all finalized in a surprisingly short period of time, and we even received more cash than we expected, which was icing on the cake! I would highly recommend him to my family and friends, and anyone who wants an easy experience with a process most of us dread. He is awesome! read more

My husband and I just closed on our first home and worked with Chris throughout the process. We could not have asked for a more helpful, informative, or responsive lender as we took the plunge into what could have been a really scary process! He always had our best interest at heart and was patient with our many questions. We would highly recommend working with Chris and his team to anyone in the market for buying a home. Thank you so much Chris - we appreciate you all more than you know! read more

I have worked with Chris both as a mortgage broker for my buyers as well as to refinance my own property. Chris always has competetive rates and he gets the loan closed. He is great to refer clients as he can explain the process to a first time homebuyer, answer questions of the most seasoned borrower and always keeps me informed of the approval process. Chris makes me look good to my clients - my clients are always happy that Chris handled their loan needs. read more