What an amazing contrast when comparing our refinance experience with David G. Gramse of Compass Home Lending and Mona Lyons of Home Plus Mortgage. We have exactly the same borrower profile in our simple/straight-forward loan application such as income, assets, excellent FICO credit score, retired couple, and the pandemic still in effect . . . provided needed documents from the outset and yet our loan process with David is like driving on a bumpy road versus a very smooth ride with Mona. Our loan application with David of Compass Home Lending started on May 22, 2020, and as of Aug. 27, 2020, when I canceled, the loan is still pending with no closure in sight, 95 + days from the initial loan application. Meanwhile, our experience with Home Plus is truly a reflection of the hundreds of 'high/5-star reviews' on Yelp/Google/Lending Tree/Bankrate.com /rated 'A' by BBB. These are the reasons I chose them, https://www.zillow.com/lender-profile/Home%20Plus%20Mortgage. May I also add that I was able to get 1/8 % less interest with Home Plus than Compass. It is almost with a similar cost, closed and recorded in 9-18-20, just 27 days from loan application; 27-days versus 95-days and counting, and no resolution in sight with David. If I did not cancel, I wonder if we are even going to close. We filed a complaint with Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ If you are looking for a loan officer that is consumer-oriented and more importantly, an empathetic professional, I highly recommend Mona Lyons/Home Plus Mortgage: https://homeplusmortgage.com/ . read more

Denny is the man! He helped me close in a matter of weeks after I realized their low rates compared to my original lending choice. I had 'trusted' the first company I went with, with them claiming that as a borrower you either get good rates OR good service -- but with CHL, you get both. I am really glad I came across this company on that "last chance" moment before appraisal; where you basically have to pick a lender and stick with them to the end. Great experience. A+ read more

My wife and I refinanced our previous residence twice with David Gramse (951) 858-7103 and he also helped us secure our home loan for our current residence (short-sale). We found Compass Home Lending through bankrate.com due to their high rating and low rates. While shopping around for brokers, I discussed my situation with a competitor. When I shared what they were offering, David provided me a few questions to ask them to clarify what I was trying to achieve and learn more about the limitations of the program the competitor was proposing. Turns out the competitor firm admitted David was correct in his assessment, which saved us the time, money, and hassle of going through a loan process with another company that ultimately would not have funded our home. I am not a finance guy, but I wanted to save my family money every month. David always returned my calls and emails, explained (patiently) the process or details so I would understand what was happening with the loan and, more importantly, have information to make decisions with my wife, and the financing rolled out the way we wanted - during all three transactions. He told us to be patient with the process and be willing to provide the information the lenders wanted (even if they just wanted updated statements) and everything would work out - and it did. He helped guide us to understand what types of transactions (and dollar values) attract attention of lenders and how to provide explanations and documentation to streamline the underwriting process. I really valued David throughout the entire process and saw him as a key partner in helping us land our dream home. read more

We wanted to add a few thoughts about my family's experiences working with Compass Home Lending and with their outstanding employee Marco B. We had refinanced our home approximately 5 times (hard now to remember the exact number so it could be 6!) over the better part of the last 10+ years or so due to dropping interest rates. In all cases, we did not take any cash out and eventually moved to a 10-year loan to get the best possible rate. In addition, our financial situations had been essentially stable so each time that we went through the process, it was not very exceptional nor too complicated. We worked with Marco exclusively in all the refinances and could not have been happier. Marco's customer service and attention to detail is exemplary and unrivaled and we would unequivocally recommend him and his company to anyone considering his hire. Furthermore, if additional information is needed by those contemplating this type of financial transaction, please feel free to get in touch with us directly and we would be more than happy to elaborate (Marco can get you the contact information). Finally, as a side note, nonetheless clearly one that is extremely comforting, Marco's voice on the phone is one that you cannot help but appreciate with respect to its tenor especially when dealing with high finance issues for the very first time when it is easy for panic to set in when things do not go quite as expected! read more

David Gramse is the guy you want to do your financing for homes. His personal number is (951) 858-7103. He will take your call anytime and he knows his stuff. My refinance went really smooth and I got the best rates available. I looked at a number others before choosing David. He fully explained the process and was flexible with my work schedule. He recommended a better deal for me than I first thought was what was best, but after we ran the math, I saw he was getting me the best rate for my situation. The fees were all low and reasonable. The escrow company was very good as well. I am extremely pleased with David! read more

I had canceled my home refi through quicken loans due to several lies, I was really hesitate to go through the process all over with a new company. I went to bankrate.com and found Compass Home Lending, I called and David Gramse picked up the phone, we chatted of where i stand and he was very upfront and honest. All I can say what he said was going to happen, happened! I can't ask for anything else, I called him when I had any questions, if he didn't know the answer he got back to me within 24 hours. I highly recommend David, call him 951.858.7103, you won't be disappointed read more

I refinanced with this company in 2012. I found this company through bankrate.com, and the person who answered the phone was not very helpful. He had me speak with Jacquelyn Nguyen, and she seemed pretty knowledgeable and thorough. I wasn't ready to refinance at the time and decided to hold off for a short period. A few months down the road I called Jacquelyn when I was ready to refinance. We went through the entire process and hit a few bumps. I initially had a credit score in the 800's when I first called Jacquelyn, and I didn't realize it dropped to the low 700's due to errors on my part during the time I waited to refinance. About a week before I was supposed to close, she told me I was going to have to pay an extra 1/8th of a point. She didn't recheck my credit and assumed it was the same credit rating as when I first called in. That was totally unexpected and didn't have enough time to dispute the issues with my credit card company. A few days later with a couple of days left to close, she informs me I needed to bring in an additional $15,000+ to closing. This was a serious oversight on her part. I will never use this company again. read more

I have done 2 refinances with Compass Home Lending. Both times, they delivered exactly as promised. I did a LOT of researching before I did my first refinance with them. I called many different banks and brokers researching costs and rates and nobody could compare to Compass. I wondered if maybe it was too good to be true, but it wasn't. Both of my loans closed within the 30 days. My first loan was handled by Marco, Kim Nguyen, and Kristin Douglas. It was so easy I couldn't even believe it. Kristin Douglas handled everything for my 2nd refinance. She kept me informed every step of the way and worked hard to make sure that everything closed on time and I was able to get the best rate possible. All the details were very clearly laid out and there were no surprises in the end. If a lower rate becomes available or if I ever purchase a different home and need a home loan, I would definitely call Kristin at Compass Home Lending again! read more