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    Christiansen Capital

    5.0 (1 review)
    Closed 9:00 am - 4:00 pm

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    Services - Christiansen Capital

    Investment management

    Mortgage services

    Mortgage refinancing

    1 More Service

    Home purchase

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    6 years ago

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    Brad Yzermans - Patriot Pacific Financial - Brad Yzermans NMLS #315238 Murrieta-Temecula Mortgage loans

    Brad Yzermans - Patriot Pacific Financial

    (25 reviews)

    My active duty husband and I are in the process of refinancing with a HERO loan.. something we…read morelearned a little too late is an extremely difficult thing to do in California without having to pay the loan off in full first. (Seriously feeling buyers remorse and a little scammed by the HERO salespeople who actually encouraged us to put off our refinance until AFTER we finalized our HERO loan! But I digress..) After hitting brick wall after brick wall, I found Brad online through his extremely informative blog post on refinancing with a HERO loan. While discussing my issue with one of my clients over coffee, they also recommended Brad! It was fate! I immediately reached out, and Brad's response time has been stunningly prompt, and his professionalism is off the charts. He is so patient with me as I ask a bazillion questions and more regarding the whole process. Being so new to all of this (we are first time home owners!) I have been pestering Brad's inbox with question after question, but Brad has been gracious and kind and has walked me through the whole process step by step! While we are still in the process of refinancing with the help of Brad, I just had to give a shout out, since he is really going out of his way to be a superstar and help us get the refinance that we want as quickly as possible. I am due with my third child right now, and we have a number of upcoming expenses looming ahead of us (needing a car that will fit an extra car seat, medical bills and so forth..) and the refinance would / will be a HUGE blessing for our family... I was feeling so helpless until we contacted Brad, and while I am still impatient and antsy with the normal wait times involved in refinancing, I am feeling so much more peace knowing we have a knowledgeable, helpful and able person on our case! UPDATE: Not only did Brad get us our loan that EVERY OTHER loan agent said was impossible, but he went out of his way to get us a low interest rate, and a lower home insurance rate. While the immediate savings are awesome, the long term savings are staggering.. SUCH a HUGE blessing to our growing family!! Thank you so much Brad! I only wish I could give this review MORE stars!

    My lender sent me an email about a down payment assistance program. I quickly Googled it and…read morestumbled upon the Home Loan Artist website. I filled out what appeared to be a waitlist for the program itself, but I received an email from this Brad individual saying he was going to contact me to go over prequalifying for a mortgage. I responded back saying no thank you and that I was apparently mistaken as to what I filled out, so no need to contact me. Attached is the (completely unnecessary) response I received. I just wanted to put this out there for other like-minded people who want to know the kind of person they are dealing with when making what is, for most, the biggest purchase of their lives. As to his response on this review - I was neither upset nor seeking his assistance. This email and his responses to other negative feedback speak for themselves. Judging by some of the other negative reviews, it sounds like he is quicker to respond to someone who ISN'T interested in his services than others who are. Good luck to you and that chip on your shoulder.

    The Home Loan Coach

    The Home Loan Coach

    (18 reviews)

    Hands down, John was on it from the get go. Helping us out with our mortgage loan and getting us…read morethe lowest possible rate seemed way too easy. Buying a house is a stressful thing to do...unless you work with this guy. All transactions were smooth, flawless and stress free. If you ever need help with a loan or mortgage, I definitely recommend Mr. John Klein, The Home Loan Coach. Thank you for all you done for us! D&L in Murrietta 2022

    It was an absolute pleasure working with John from start to finish…read more He is so thorough and knowledgeable in his field that it allows you to feel more comfortable with all the decisions and details involed with getting a loan for a house. My husband and I worked with John for about 6 months during our home buying process and we were completely pleased with his service the whole time. John is straight forward, conservative, and so informative that it really helped us with our first home buying experience; and I feel prevented us from making any type of sudden impulse mistakes. I truly appreciated his honesty the entire time instead of trying to feed us ridiculous, unrealistic ideas just to speed up the process that I know we could of got from someone else. John always encouraged us to ask qyestions and never seemed annoyed by the many emails he would receive from us as well as our realtor. He is very good at maintaining communication and someone that you will feel comfortable talking to. I really enjoyed working with him and look forward to doing so again with my next home.

    Frontwave Credit Union - Wildomar - Storefront

    Frontwave Credit Union - Wildomar

    (24 reviews)

    The Wildomar location is fantastic, and I like that there are real people with desks and not a…read moretraditional bank counter. The app is fantastic. I docked a star for the stupid Elite Checking fee, which is $6 per month. I don't really use Frontwave as a bank, more as a placeholder in case I need a loan, so I don't leave much money in my checking. Having at least $2,500 in one's checking waives the fee. I called to have the Elite Checking Account downgraded to "Everyday Checking" but after a half-hour wait the person was unable to access the computer, allegedly. I wonder why there's so much call volume? Maybe it's that sneaky upgrade and $6 a month charge? Either way, it's a good credit union overall with GREAT people at the Wildomar location, but upgrading everyone to the "Elite" checking account without asking was not a good move. They should have left me with the fee-free checking since I obviously don't use the account at all, hardly. **UPDATE** I drove to the local branch and the nice employee not only switched me to free checking, she refunded the $12 I paid unwittingly for the upgraded checking account I didn't upgrade. She said that anyone can get their money back if they show up at a branch as they can make the initial Elite Checking "promotional", post hoc. Still not glad that they upgraded my checking account but all's well that ends well, right? Thanks!

    I had trouble with my new debit card that I have never used, I got redirected to the fraud…read moredepartment who couldn't even find my account in their system, then got disconnected from another person, and finally got help by Kai, everyone else who "tried helping" me with my card trouble truly sucks at their job. Thank you Kai for your help.

    Christiansen Capital - investing - Updated June 2026

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