Natalie was recommended to us by our relators. Due to the COVID-19 situation, we were in a…read morecompetitive market but didn't want to sell our existing home until we secured our new one. After explaining our situation to Natalie, she explained to us our options. It was amazing how creative she was in identifying a solution that perfectly fit our needs. Months later, one of our offers was finally accepted in this crazy market! Every step of the way, Natalie was responsive and super fast at communicating. She knew exactly what we needed and answered our questions promptly. If she wasn't able to answer our phone call, we would get an email response within the hour. She was super supportive throughout the entire process and even informed us of our backup options if cards didn't play in our favor. With everyone working from home during this pandemic, getting a hold of people was super difficult, but this never happened once with her. Natalie was always quick at picking up calls and responding to them whenever we had a question. She ensured that we felt well-informed every step of the way and were making educated decisions instead of just going along with the pressure of the market. I would recommend Natalie to anyone I know! She definitely knows her field of work and cares for her clients. She's super on top of things so if you're looking for a reliable mortgage loan consultant, look no further. We'll definitely be reaching out to Natalie if we ever have future mortgage needs in the future. I'm sure she will treat you with the utmost care as she never lost patience on us even when I was on my 1000th question of the day.

My real estate agent recommended Dave Mingione, Senior Mortgage Agent.... he's a precious gem. The…read moreguy is on it.... one step ahead at all times and 24/7 fast response. His assistant Peyton keeps pace with him... dynamic duo. Rates are monitored, and forecasted rates are logical and current. The mortgage process was very easy, extremely organized, and the signing was as relaxed as a visit to Starbucks... I purchased in Livermore, CA, and Dave works out of the Livermore office... like the company... Love the Dave... he is one of those super high performers...unequaled excellence... and no I'm not related and simply relied on him for a smooth and effective mortgage service. If you work with Dave Mingione then you are taken care of at every step, every corner, and through the deal...and likely well after the deal.

Envoy completely disregarded the fact that i had an agreement with the tax company since July. They…read moretook it upon themselves to pay a debt that i was paying on my own so they can extort me

After three refi attempts, we thought we would never be able to qualify. We stared talking to Matt…read moreand Kacey and they assured us that we wouldn't have any issues.....one month later, we successfully refinanced our house! They made the process so easy and were friendly every step of the way! Thank you so much! Envoy Mortgage is the best!

A big beware to Flagstar Home Loan customers. You could end up like me, a great customer for…read morenearly 10 years and now apparently at the mercy of an apparently predatory loan collection agency. Flagstar dumped my loan off to "RoundPoint Mortgage servicing". The "welcome" paper work came with the declaration "we are trying to collect a debt owed to Fannie Mae". As if I was in collections rather than a spotless payment history. It's a nightmare. Flagstar did the absolute minimum in notification, and if they cared at all they would have made sure to sell to a reputable company, instead of one with terrible ratings for customer service and Better Business complaints quite serious in nature. In my opinion, Flagstar is unethical, failing to make sure a customer has a safe place to do business once they have gotten all the money they needed from me. It's disgusting that I now have to worry about keeping my credit great, my home paid for and my finances safe from predatory financial problems.

Judy Bickell and her team are the best! Judy and Joan have been our go to for everything mortgage…read morerelated (questions, original loan, re-fi, re-Fi with home equity) for 10 years now and have never been anything less than stellar! Easy to reach, quick to reply, hard working and FAST processing! C CCD ant recommend them highly enough!

My girlfriend and I were referred to Patti and Kathy through our builder as they were offering in…read morehouse incentives. From the very beginning when we submitted our application to the day we closed The Loan Ladies and their team were there for us every step of the way. Patti kept up with me and even showed us what is needed to up our credit scores to get a better interest rate and even got us financing through government programs that we don't have to pay back. Holly kept me at ease when through the middle we had some minor complications with the credit beureaus. Also Simone. Simone and I were in constant contact till the very end of closing. She would follow up with me on a daily basis, and responded to every call and email quickly. She helped with all my questions regarding the loans and even helped me set up an appointment with the notary to come to us as my girlfriend and my schedule is very hectic. Then while I was at work, Patti gave me a call and said "Jeremy, congratulations! Everything is closed and recorded!" I nearly burst into tears with joy and excitement. Thank you Loan Ladies for all your hard work and assistance in helping us get into our first home!

If you want to watch your dream home slip away then this is the company to call. Kathy gathered all…read moreour documents and gave me a preapproval letter to shop for a home.. We found a home and made an offer that was accepted. Kathy and staff had us send in documents again and was told it was all go! I was told to pay the earnest deposit (over $4300) pay for appraisals ($500) and take first time buyers course($99 and 2 days to complete online). And 3 days before closing of escrow, she says due to my employment change months ago the loan wasn't approved. My real estate agent recommended us to Caliber Home Loans and got us appoved for the same home!! BEWARE!! They will waist your time and not even apologize!! They are nice good people.. but nice doesn't get the job done.

Although We didn't actually go through with our refinance, the experience we had with Cynthia and…read moreDelta Financial was phenomenal. Cynthia was very responsive, friendly, and professional. Her and my wife chopped it up for over half an hour when we dropped by.l the first time. The E-Mails we received were always detailed and well thought out. I highly recommend them.

We have no words to describe how grateful we are to have worked with Shelly and the Delta Lending…read moreGroup team. Shelly is the most caring, kind, sweet, and selfless person you could ever meet. The process of buying our first home couldn't have gone as smoothly as it did if it weren't for her! From the moment we began interaction, until the final day of closing, we felt the love and support from Shelly and her team. She recommended an awesome agent (Patricia Zuniga) and worked really hard together to ensure everything was taken care of in a timely manner. Thanks to their due diligence & determination, we were able to close two weeks ahead of schedule! Thank you from the bottom of our hearts, Shelly! You're a rockstar! EJ and I are blessed to have worked with you and your team!

Joel and his office staff are great! I've completed three mortgage transactions with him and I've…read morealways been happy! They are professional, reliable, trustworthy, and get things processed quickly and accurately. One thing that really stands out about Joel is that he provides honest answers and he won't put you in a loan or situation that isn't best for you. I have and will continue to recommend Joel to my family and friends!

Highly recommend Joel for your Mortgage needs. He is very knowledgeable in the market and follows…read morethe current interest rate fluctuations and will lock you in at the lowest available interest rate according to your credit score. He is friendly and his staff is easy to work with. Definitely would use Joel in the future.

The entire Mortgage Solutions team is great. We have used them for the purchase of 3 homes over…read morethe years. Most recently Wes guided us through the process from A to Z and help us find the best solution for our situation (which was very complicated). We have worked with Carol and Gene in the past and they are both fantastic. I cannot recommend them enough. A+

We recently bought a house in Napa. We had to act fast in order to make an offer and our situation…read morewas a little out of the ordinary. Gene and Wes made the process so easy removed the stress of acquiring a mortgage. They took care of all of the little details and were excellent communicators. I would definitely recommend their services!

My fiance and I first came in contact with Angela and her team in October 2020 who at the time was…read morestill with Alterra Home Loans. By the time we put in an offer on the home we recently closed on she had switched companies to Guaranteed Rate. We decided to make the transition with her as we had experienced great communication with her up to that point. As nervous first-time home-buyers Angela made us feel comfortable with the entire process from start to finish. She is highly responsive, reliable, easy to talk to, and overall professional. Throughout our home-buying experience, Angela made herself available to answer all our questions through text, call, or email all in a timely manner. Our experience with her was always clear and straightforward. Angela and her team helped make a stressful process easy and enjoyable. On the day we closed escrow we even got a surprise in regards to getting some money back from the closing costs which was an added bonus and speaks highly about the hard work and effort Angela puts into helping her clients get the best rate possible. We feel very lucky to have had the opportunity to work with Angela and her team. We honestly could not have asked for a better experience on the purchase of our first home. If you're looking to purchase a home or refinance and looking to have the same experience we had, I would highly recommend selecting to work with Angela. Please do not hesitate to contact her even if you just have questions, Angela also speaks Spanish. Our experience first began out of curiosity and now we are living in our first home all thanks to Angela, her team, and our amazing realtor Chris Strange whose contact information I will also list below. Angela was the one who connected us with him and together the two make an EXCELLENT partnership. I promise you will NOT regret working with Angela, Chris, or both. Contact Info: Angela Seminario Branch Manager/VP of Mortgage Lending Email: angela.seminario@rate.com Rate.com/angelaseminario O: (925) 272-2061 - C: (415) 640-7780 - F: (312) 824-0318 1070 Concord Avenue, Suite 105 Concord, CA 94520 NMLS ID: 339427 Chris Strange DRE#: 01931011 Phone: (925) 252-5193 Facebook: ChrisStrangeRealtor https://www.facebook.com/ChrisStrangeRealtor

Dealing with Angela and her team has been one of the most unprofessional experiences I have had to…read moredeal with before. We were excited to buy our first home but it went downhill quick after the pre-approval process. There was a huge lack of communication throughout the whole process, we ended up with an insurance policy we aren't happy with because of delays on their end, they cost us and the sellers money because of pushing the closing day back because of a lack of communication between her and her team, and they even wrote a check to the wrong person. I would definitely advise you to look into other companies.